Showing posts with label business. Show all posts
Showing posts with label business. Show all posts

Sunday, November 3, 2013

Euro witnessed a sharp decline after the contraction signal

fell close to its lowest level in two weeks during the session Asian trading on Friday after the decline is expected in the inflation numbers, which led to the recovery of expectations that the European Central Bank may see that the road in front of him and clear for action to stimulate additional in order to give support to the Euro zone economy . According to the data, index of consumer inflation to its lowest level since 4 years at 0.7% last month, against expectations that the data will be flat at 1.1%, while inflation is essential, and that goes a plug-volatile, such as energy and food, fell to 0.8% . decline in the EUR / USD to $ 1.3538, which is the lowest level in two weeks, before returning to the $ 1.3554 level, still 0.3% lower through deliberative today, which adds to the sharp decline of 1.1%. There is a key support level at $ 1.3550, which is a 76.4% decline in the middle of the month of October move. The EUR / Japanese yen reached a new low during the two weeks at 132.985 yen.

Will the European Central Bank intervenes to stave off deflation?

One analyst pointed out from Tokyo to the significant decline to below 1% indicates that there is more that may come, where the outlook in Japan, at least in Japan is that when it imposes style deflation himself, be difficult to reverse. The feeling is that the ECB will probably referring strongly that it is ready to provide stimulus measures when he sees that the time is right.

Sunday, September 29, 2013

The Science Behind Using Online Communities To Change Behavior



Editor’s note: Sean Young is a family medicine professor and director of innovation at the center for behavioral and addiction medicine at UCLA. He writes about topics related to psychology, technology, and public health/medicine at seanyoungphd.com.
Is it just me, or is it impossible to talk to technology entrepreneurs without mentioning user engagement and behavior? I’m a behavioral psychologist, so that might be why I keep having conversations about engagement, but I don’t think that’s the only reason. I think it’s because entrepreneurs have realized that behavior change and engagement is critical to technology development (and to everything else in our lives). Whether we’re trying to get people to download or keep playing our fantasy sports applications, convince ourselves to avoid that extra scoop of ice cream, or get our neighbor to stop hitting her snooze button at 5:00, 5:10, and 5:20 a.m., we understand how difficult it can be to engage people and change behavior.
Before talking about how to do this, it’s important that we’re on the same page that being able to change behavior is a powerful skill that could be used for good and/or evil. As entrepreneurs seeking to improve the world, we first need to make sure that 1) the products we are creating will benefit (rather than harm) society, and 2) the behavior(s) we want to change to be able to help us achieve those objectives. Once we’ve gotten past those steps, how do we change behavior?
Fortunately, there’s a science behind how to change behavior, and the answer to engagement and behavior change lies in understanding people’s psychology. By addressing people’s psychological needs and reasons for not changing behavior (including their social environments, cultural values, and emotions), we can be more effective at behavior change. Once we understand people’s psychologies, then technologies — online communities in particular — become really useful as platforms to rapidly change behavior.
CHANGING BEHAVIOR ONE SOCIAL NETWORK AT A TIME
Although social media and online communities might have been developed for people to connect and share information, recent research shows that these technologies are really helpful in changing behaviors. My colleagues and I in the medical school, for instance, created online communities designed to improve health by getting people to do things, such as test for HIV, stop using methamphetamines, and just de-stress and relax. We don’t handpick people to join because we think they’ll love the technology; that’s not how science works. We invite them because the technology is relevant to them — they’re engaging in drugs, sex and other behaviors that might put themselves and others at risk. It’s our job to create the communities in a way that engages them enough to want to stay and participate. Yes, we do offer to pay them $30 to complete an hour-long survey, but then they are free to collect their money and never talk to us again. But for some reason, they stay in the group and decide to be actively engaged with strangers.
So how do we create online communities that keep people engaged and change their behaviors? Our starting point is to understand and address their psychological needs.
In most of the studies, we first need to answer their questions about privacy issues (what is being done with their data) and then build a trusting community. Unlike other communities, where people typically join out of interest, we need to create their interest and keep them engaged enough to want to stay and participate. To do this we have to slowly educate them about behavior change so that they feel comfortable and not pushed into changing. Little things such as liking a comment saying, “Everyone having a good day?” help them to feel safe and let them know they can be themselves and have fun connecting with others, without being forced to talk about health. After addressing these needs, we can then educate them and provide concrete, easy steps for how they could change their behavior.
You might think that most people wouldn’t actively participate in an online community unless they wanted to be there in the first place and thought it was relevant to them. Well, results from our three-month study released this September in Annals of Internal Medicine, found that over 80 percent of people who joined our groups were actively involved, and people in the intervention study groups were more likely to change their behaviors compared to people who were not. Interestingly, we keep finding that these research groups become actual online communities; in our first study, the actual intervention ended over two years ago, but people continue to actively use the community to reach out and support each other.
The Core Components
Throughout our research, we find that newly created online communities can change people’s behaviors by addressing the following psychological needs:
The Need to Trust. Sharing our thoughts, experiences, and difficulties with others makes us feel closer to others and increases our trust. When we trust people, we’re more open-minded, more willing to learn, and more willing to change our behavior. In our studies, we found that sharing personal information (even something as small as describing what you did today) can help increase trust and change behavior.
The Need to Fit In. Most of us inherently strive to fit in. Social norms, or other people’s attitudes and behaviors, heavily influence our own attitudes and behaviors. Each time a new online community or group forms, it creates its own set of social norms and expectations for how people should behave. Most people are willing to change their attitudes and/or behavior to fit these group norms and fit in with the community.
The Need for Self-Worth. When people feel good about themselves, they are more open to change and feel empowered to be able to change their behavior. When an online community is designed to have people support and care for each other, they can help to increase self-esteem.
The Need to Be Rewarded for Good Behavior. Anyone who has trained a puppy knows that you can get him to keep sitting as long as you keep the treats flowing to reward him, but if you want to wean him off the treats and really train him then you’ll need to begin spacing out the treats to make them less predictable. Well, people aren’t that different from animals in that way and can be trained with reinforcements too. For example, “liking” people’s communications when they immediately join a network, and then progressively spacing out the time that their posts are liked (psychologists call this variable reinforcement) can be incorporated onto social network platforms to encourage them to keep posting content. Eventually, these behaviors become habits.
The Need to Feel Empowered. While increasing self-esteem makes people feel good about themselves, increasing empowerment helps them know they have the ability to change. Creating a sense of empowerment is one of the most powerful predictors of whether people will change their behavior. Belonging to a network of people who are changing their own behaviors, support our needs, and are confident in our changing our behavior empowers us and gives us the ability to change our behavior.
Throughout my research career I’ve found that understanding psychological needs is the core of behavior change and engagement across all domains. People are complicated, so this list is by no means comprehensive, but addressing these needs should get you a long way toward how you can use technologies to change and sustain behavior.

Wednesday, September 4, 2013

How To find the Best Secured Loans ?

How To find the Best Secured Loans ?

Best secured loans are those loans, where a borrower requirements to place collateral against the loaned amount. The collateral might be within the form of home or any other valuable assets of borrower.
There are a number of lending options accessible in the mortgage marketplace. But how many stand up to your expectation? You require everything good in a loan but really few facilitate these.
Nevertheless these days you can access a mortgage, which is marked for providing innumerable facilities to a borrower. Moreover, because of its unique nature it earned the title ‘best’. Read these lending options as ‘best secured loans’, the most well-liked mortgage in USA.
Best secured loans provide a borrower low rate of interest. At the same time, these loans could be repaid over a period between 5 to 25 years. No problem if a borrower fails to repay the loaned amount in time. Because under best secured loans lenders offer a wider and extended period for repayment of the mortgage.
Best secured loans can be utilized to fulfill any of your personal needs. Be it your home improvement, buying a new vehicle or business improvement, you are able to use these lending options any time for something you want. These loans can even be used to consolidate all your unpaid debts.
Thus, best secured loans are remarkable for providing a number of advantages to a borrower. You can get these loans during your monetary urgency, you can utilize these for anything, and you can repay the loaned quantity easily.
Now as long as the availability of these loans is concerned, you are able to access these from World Wide Web. This method is considered fastest of all prevailing method and is the best way to meet trusted lenders.
As you already know now, the best secured loans on the marketplace could be yours, even if you have bad credit. Of course, precisely which are the best lending options depends entirely on your circumstances and the purpose from the mortgage.
A lender will take many things into account prior to deciding to pay out a mortgage. Similarly, you ought to look at many factors when you compare lenders. For example, you will have to know about:
  • The amount you would like to borrow.
  • The purpose of the loan.
  • Interest rates.
  • Terms and conditions.
  • Arrangement fees.
In hard financial times, lenders are frequently less likely to pay out loans. However, this does not mean that you won’t be able to discover the best bad credit loan for you personally.
While you will find several methods to get the best lender for your circumstances, using a broker may be one from the greatest. Guaranteed loans from hundreds of companies will be compared rapidly and very easily. On the other hand, you may wish to compare the various lending options and lenders manually.
Should you contact a single loans company, you will only be able to compare the various loans available from that one organization. Contacting numerous businesses, nevertheless, will rapidly become arduous, time-consuming and complicated.
A broker will do all the legwork for you personally, comparing each and every aspect from the deals available to get the very best secured mortgage for you.
When you’re applying for a mortgage, a lender will want to know what the purpose from the mortgage is. This could be almost anything, such as:
  • Home improvements.
  • A car purchase.
  • University and school fees.
  • A family holiday.
  • Wedding expenses.
The best bad credit mortgage for you depends on what the purpose of the mortgage is. Nevertheless, no matter what your mortgage is for, you ought to be able to find the right loan for you personally by working with a broker.

Tuesday, September 3, 2013

Will Public Radio Survive Music Streaming Apps?

Npr
ahmed 
The print industry has long had to deal with disruptive aggregators, but for radio, this conflict is just starting to take shape.
Promising mobile apps like Swell and AGOGO launched this summer, representing a new challenge to legacy media companies like National Public Radio. These apps create new listening experiences for consumers of talk and news because they tie together segments of audio into customizable and curated streams.
AGOGO combines podcasts with segments from NPR, the BBC, audio from videos and text-to-speech versions of newspaper articles. And Swell has been dubbed the “Pandora for news.”
I’m a producer at an NPR member station, and these are frightening words in my world. Pandora dealt a massive wound to our cousins in music radio. The advertising dollars Pandora sucked up will likely never return to the table for terrestrial radio. That's just the new reality.
Despite the presence of podcasts and a handful of radio-streaming apps already on the market, talk and news distributors have largely been spared a Pandora-style disruption. Yet Pandora is still the elephant in the room, the boogie-man we know is out there.
“The monopoly advantage of the radio tower will begin to fade,” former NPR Chief Executive Officer Vivian Schiller said. “New digital-only startups will enter the marketplace in audio, and you will find yourselves longing for the days when the competition was that public radio station that overlapped with your broadcast signal.”
Outgoing NPR CEO Gary Knell, who announced his resignation Monday, has echoed these concerns as well. In a July Wall Street Journal interview, Knell said NPR was working on a “Pandora for news.”
“It’s a work in progress,” he said. “But we're all over this, because if we don't do this we're not going to last.”
In the world of terrestrial radio, aggregation is new, but curation is not a foreign concept. At my radio station, we curate a mix of NPR national news and locally produced content for a local audience of about 40,000 listeners a month. You can hear Michelle Norris in the mornings and Ira Glass on the weekends, but you’ll also hear news that we think is relevant to the local community.
Its strength is that it’s a one-touch solution that allows you to multitask while you consume the content. Of course, it’s not a personalized solution since it doesn’t react to the user.
A savvy consumer can already buck the system a little. They can download podcasts of "This American Life," and they can stream national content directly from NPR.org. But the reason why my employer still exists is because local matters to people. This, anyway, is the party line. And it’s what I told JD Heilprin, CEO of AGOGO when we sat down for an interview.
I said we know that our listeners want good national content, so the station carries NPR programming. But we want to give them things that are relevant to their surroundings, so we mix in some local news and talk, too. In a world without signal monopoly, that’s the value proposition of the local radio station.
“Which is precisely the way that we look at it as well,” Heilprin told me.
AGOGO acts a little more like a local radio station than the blank slate Pandora provides. Like Pandora, it will react to your specific input by saving content that you like and giving you more of it. But if you provide it with your commute information, it’ll give you traffic and weather for your area. Location data helps it find news and sports scores for your area. It’ll even provide your horoscope for the day.
It’s still Pandora-like in that you can either sit-back and listen, or you can actively curate your streams. But Heilprin doesn’t talk a lot about Pandora. He talks about Twitter.
“We’ve quickly become a Twitter-enabled world where the world changes and it changes very quickly," he said. "Things like radio and satellite radio are not really equipped to service that world.”
Developers at NPR know that “Pandora for news” isn’t the end-all-be-all solution it sounds like.
“‘Pandora for news' is an easy way to explain to the public the breadth of our ambition,” said Demian Perry, head of mobile for NPR. Perry is responsible for the Infinite Player, a little-known digital experiment that offers a continuous shuffle of NPR content and reacts to your up or down votes.
“We want to create a listening app for the spoken word that is as elegant and addictive as Pandora's solution for music,” Perry told me.
The Infinite Player is only optimized for the chrome desktop browser, although a beta app for iPhone has been available since May. Recent additions have included “channels” not unlike AGOGO’s, which stream topic-based content like “Music in Performance” and “Just the News.”
Perry also thinks Twitter has some good lessons for audio apps.
“Twitter finds ways of surfacing content that is trending now," he said. "That’s something that’s interesting to us."
But he’s quick to shoot down the notion that any one model will “crack the code” of digital audio in the talk space.
"For us to succeed we need to be open to the ideas of the whole tech community," Perry said. "It's not a problem that we can solve alone.”