Anthony Bourdain’s Manhattan condo is on the market for $3.7 million

Anthony Bourdain’s posh Manhattan pad — and its custom kitchen — is up for grabs for a cool $ 3.7 million.

The Upper East Side condo, at 40 E. 94th St., was scooped up by the late celebrity chef and travel show star and his wife Ottavia Busia in 2014 for $ 3.35 million, city property records show.

Life Style – New York Daily News

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Avoid mental mistakes that could hurt your 401(k) savings when the market is near record highs

A heads-up to anyone with a 401(k): WA heads-up to anyone with a 401(k): With the stock market near record highs, the biggest threat to your hard-earned retirement savings could be you, according to USA Today. 
Health and Science

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Budget-Friendly Ways to Market Your Business

As someone who works in the construction industry, you already know that marketing is an essential part of owning your own business. This is particularly true for contractors, where competition is stiff and it can be difficult to secure new leads at various points throughout the year.

The trickiest part of marketing for many small business owners is the cost. It can be expensive to run ads and print up marketing materials, and every penny counts for small businesses. Thankfully, there are plenty of ways you can get the word out about your business without breaking the bank. Here are our top tips for budget-friendly ways to market your business.

Close up portrait of civil engineer using laptop to planning project schedule., Engineering and construction concept.

Be Active on Social Media

 

As a business owner these days, it’s essential to have social media accounts that are up to date and informative for potential clients. But having an online presence isn’t enough—being engaged and active is what drives the successful businesses who attract and retain loyal and/or repeat clients. Being active means directly responding to messages, comments, reviews, and questions in order to satisfy your current and potential clients, as well as to grow your lead base.

There are hundreds of social media platforms around, but these are the best for construction industry professionals:

  • Facebook & Twitter– This is where you will post information and updates,  respond to and interact personally with clients, and run ads.
  • Twitter- Use this account for finding and interacting with clients and other industry connections.
  • Instagram– Utilize the photo-first format to showcase your work. Customers especially appreciate before and after photos.
  • LinkedIn– Show off your expertise and experience here, both through your own business profile and also by linking to those of your employees. It’s also a valuable tool for sourcing new contractors in your field.

While the pros of online marketing are obvious (such as instant status updates and a widened search radius for clients), some contractors can be put off by the techy language and unfamiliar processes of social media updates. If this is the case, you can enlist the help of friends or other professionals to guide you through the basics or search for tutorial videos online. You can also hire a social media professional to run your online marketing for you, but this will cost you.

Boost Your Online Presence

Once you’ve signed up for and updated your social media accounts, you will have significantly increased your potential client base just by being online. If you want more people to see your updates, you can opt to boost your posts or run sponsored ads by paying a small amount to the social media platform of your choosing. This option isn’t exactly free, but is still much cheaper than hiring a full time staff member to run your marketing department.

Of course, the Internet is about more than just social media. If you want to increase viewership on your business website or other online pages from outside the platform, you can also run ads on search engines. Many ad companies run on a pay-by-click basis, so you can run online advertisements while staying in budget: you can check out Google’s AdWords for more information on how this kind of marketing could work for you.

Use Sales and Offers to Increase Your Client Base

If your construction business is experiencing a slow period, one of the best ways to boost sales is by offering special deals for existing clients. This technique can also be used to bring in new customers when you want to grow your business – after all, everyone loves a good sale!

There are several ways to go about running a sale in order to market your business, but we have a few personal favorites that we think will help you bring in new leads.

  • Offer online discounts for social media followers (eg. 10% off service for Facebook followers)
  • Host giveaways for your clients (across online platforms or in person)
  • Give incentives for clients who recommend your services (via refer a friend schemes or by sharing your social media posts)

Although giveaways and discounts will slightly lower your profit margin initially, we think the benefits of these customer-friendly practices will more than make up for any losses in the long run. Clients love to be cared for, so they will not forget that you thought about them and will come back to you time and again – and recommend you to their friends!

Tweak Your Brand

Sometimes, all you need to boost sales—and company morale—is a bit of something new. Updating your brand is a great way of making everything feel fresh and new in your business, and potential leads will definitely appreciate the effort you put into your marketing materials.

A brand update doesn’t have to be a complete overhaul; you can often completely revive the look of your brand just by changing the color scheme or font on your logo. We also like the idea of using infographics as a marketing tool, but unless your graphic design skills are excellent this could take some time.

If you decide you do want some help to make your brand look better, you can hire a graphic designer to create a mock-up of the designs you would like. While many graphic design companies will charge you an arm and a leg—hourly—for this kind of work, you can save money by finding a friend who could help you for free. Another way to find help is by advertising your design job online. Websites like Fiverr allow you to post your requirements online and freelancers will bid for your job, so you can choose how much you pay and who you work with.

 

The post Budget-Friendly Ways to Market Your Business appeared first on Modernize.

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Concept Korea Expands Support for Korean Designers in U.S. Market

Concept Korea wants to help Korean designers beyond New York Fashion Week.
The organization, which is formed out of Korea’s Ministry of Culture, Sports and Tourism agency, came to New York 10 years ago with the goal of providing Korean designers with the resources to have a show during New York Fashion Week. Successful alumni from the program include Kai, Beyond Closet and Juun.J.
But according to Misun Song, project director of Concept Korea, the designers have requested more help in the U.S. market, which is why Concept Korea is launching The Select, a showroom that opened this week that will feature the spring collections from 10 Korean designers including Nohant, Lie, Wnderkammer, Bmuet(te), Kye, Beyond Closet, The Centaur, SWBD, Hidden Forest Market and Heohwan Simulation. The showroom is located at 62 Greene Street in New York.
“We allow designers to do a show twice a year and then after that they disconnect from the market,” said Song. “We heard from a lot of designers that they would like a more permanent space in the U.S.”
The showroom will serve as a space where buyers can discover brands and conduct business, but it will also be a venue for pop-ups that will be open

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FDA puts e-cig makers on notice: Fix ‘epidemic’ teen use or products may be pulled from market

The FDA said it cannot tolerate "a whole generation of young people becoming addicted to nicotine as a trade off for enabling adults to access these products," and so it has launched a crackdown on sales of e-cigarettes to teens. 
Health and Science

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US-China trade war could cause a bear market, stress test shows

Running a series of different scenarios in the U.S.-China conflict, experts at FactSet have come up with a worst-case scenario, one in which the U.S., along with a few others, would see a bear market emerge.
Economy

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A focus on ‘affordable quality’ has helped amid housing market slowdown, says property company CEO

Mark Steinert, CEO of Australian property company Stockland, says the company has been largely insulated from the slowing down of the housing market in Australia.
Real Estate

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Market won’t crash if Trump is impeached: Wall Street insiders

Stocks will not crater if President Trump is impeached, Wall Street insiders told The Post on Thursday. Although his supporters have credited Trump with giving a lift to stocks because he has rolled back regulations and successfully pressed for a tax cut last year, his steady hand is not needed to keep stocks at their…
Business | New York Post

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Kudlow on why the stock market is ignoring Cohen, Manafort news: ‘The economy’s everything’

Chief White House economic advisor Larry Kudlow weighed in exclusively to CNBC on the market's reaction
Economy

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The Legal Marijuana Market Is Catching Up to Beer and Wine

The legal marijuana market is booming in the U.S., and is catching up to beer and wine sales, Business Insider reports.

“The legal cannabis category [in the U.S.] is set to grow at a 17% CAGR over the next decade to as much as $ 47 billion in annual sales (this compares to the current diaper category at $ 4 billion in sales),” RBC Capital Markets analyst Nik Modi wrote in the company’s note to clients sent out on Wednesday.

The growth in sales is mostly thanks to recreational marijuana use, and specifically products such as edibles and concentrates. RBC estimates suggest that in the U.S. alone, illegal and legal marijuana sales amounted to $ 50 billion, compared to wine at $ 65 billion, cigarettes at $ 77 billion, and beer at $ 117 billion.

Recreational marijuana has been legalized in nine states so far, with four more states adding it to the ballot this November; and medical marijuana is legal in 30 states and Washington, D.C.

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“We believe further US decriminalization of cannabis including for recreational use is very likely over time,” RBC said, according to Business Insider. “It ultimately starts with US voters who across demographics are supportive of cannabis legalization.”

Anti-marijuana laws were introduced in the early 1900s, targeting Mexican migrants and Mexican Americans in the Southwest and Midwest, according to the Drug Policy Alliance. Later, in the 1980s. marijuana prohibition became a federal initiative, and as prohibition increased, so did incarceration. Between 1980 and 1997, the number of people incarcerated for nonviolent drug offenses jumped from 50,000 to more than 400,000.

Today, 57% of people behind bars for a drug offense are black or Latino, and the U.S. spends over $ 50 billion annually fueling the war on drugs.

As the marijuana economy grows, legislation in favor of decriminalization has also become more popular. Support for legalization has reached a record high, with 64% of Americans in favor, according to a Gallup poll.

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Case Study: Empowering Scalable Growth and Market Share with Sears Home Services

In 2012, Sears Home Services partnered with Modernize to grow their HVAC, windows, and roofing revenue profitably by increasing their digital footprint. In a recent interview, Sears Home Services’ Senior Marketing Manager, Janice Barbosa, and Senior Director of Marketing, Collette Ivanov, discussed the impetus to partner with Modernize. “If you think of Sears in the digital space, we’ve established our position in search and email and a variety of places where we are capturing homeowners that are looking for and select Sears. There’s also the opportunity to work with partners like Modernize who also are attracting homeowners – homeowners who may not know who they want to work with. We want to make sure we have the opportunity to talk to those homeowners as well,” Barbosa explains.

Read the full case study by filling out the form below!

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Market wants ‘decisive action’ so Turkey needs to raise rates: Yale economist Stephen Roach

Turkey's central bank needs to raise interest rates to contain the country's financial crisis, says veteran economist Stephen Roach.
Economy

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Mejuri Is Hiring A NYC General Manager / Market Lead

Looking for a bright and sparkling new role? Mejuri is looking for a naturally charismatic leader with exceptional service and sales acumen to be their new General Manager and Market Lead in New York City. You will drive the growth of Mejuri in our newest market; New York City and be a …

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Oil market braces for ‘major supply shock’ — and it could propel crude prices skywards, analysts say

Oil prices could soon rally above $ 90 a barrel amid growing concerns over the prospect of steep declines in Iranian crude, according to industry analysts.
Energy

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Market suggests China will blink first in a trade war, but US political pressures hint otherwise

Chinese market moves suggest China may be the first to blink in the trade war, but strategists says there's much more to it than that.
Top News & Analysis

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Seattle housing market is under pressure as Chinese buying ‘dries up’

The Seattle housing market has benefited greatly from strong Chinese buyer demand, but now weakness in the Chinese yuan, as well as tighter restrictions on money leaving China, are cutting into that demand. 
Real Estate

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As the Fed meets, the specter of pressure from Trump and the market looms

Mr. Market probably still carries more weight with the Federal Reserve, but Mr. President is likely to maintain a presence when it comes to monetary policy.
Economy

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Cramer Remix: This former market darling has an equation for gains

Jim Cramer calculates how health-focused conglomerate Danaher could still get its groove back.
Health Care

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US housing market needs more supply to tame prices: Expert

U.S. home sales fell for a third straight month in June but a shortage of supply pushed up house prices to a record high, sidelining some potential buyers. Lawrence Yun from National Association of Realtors weighs in.
Real Estate

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A Farmers Market on Wheels

When you think of the kind of food you might find on a food truck, kale, carrots, and strawberries probably don’t come to mind. But that’s what you’ll find onboard the Freshest Cargo truck. Freshest Cargo is a mobile farmers market that serves 12 San Francisco Bay Area cities. It’s a program of the nonprofit Fresh Approach. Watch the short video above to learn how the mobile market is making it easier for residents to eat healthier.

The post A Farmers Market on Wheels appeared first on Kaiser Permanente Share.

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Amazon.com’s stock market value hits $900 billion, threatens Apple

Amazon.com’s stock market value reached $ 900 billion on Wednesday for the first time, marking a major milestone in its 21-year trajectory as a publicly listed company and threatening to dislodge Apple as Wall Street’s most valuable jewel.


Reuters: Technology News

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Uber returns to Finnish roads after taxi market deregulation

HELSINKI (Reuters) – Uber Technologies [UBER.UL] will re-start its ride-hailing business in Finland on Wednesday after a one-year pause, it said, seeking to benefit from the country’s transport law reform.


Reuters: Technology News

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OSRAM Adjusts FY18 Forecast On Market Slowdown, Project Postponements

OSRAM Licht AG (OSAGF.PK) announced its Managing Board now expects a comparable revenue increase of 1.0 – 3.0 percent (previously: 3.0-5.0 percent) and adjusted EBITDA of approximately 570 million-600 million euros (previously: approximately 640 million euros) for fiscal 2018. The new projection for earnings per share is 1.00-1.20 euros (previously: 1.90-2.10 euros). Negative free cash flow is now expected to be in the range of 150 million to 200 million euros (previously: negative free cash flow of 50 million to 150 million euros).
RTT – Earnings

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Market whiplash over Trump trade policy: ‘They’re making this up as they go along’

Investors are getting whiplash from watching the back-and-forth happening among Trump administration officials who can't seem to agree on a trade policy.
Economy

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Google May Be Looking To Do More Than Crack China Market With JD Deal

This article first appeared in Data Sheet, Fortune’s daily newsletter on the top tech news. To get it delivered daily to your in-box, sign up here.

In the political world long-held alliances are fraying, at least those among the United States and many countries it once called friends.

In the business world, especially in technology, fascinating alliances are forming. Witness the tie-up announced Monday by Google and JD.com, the No. 2 Chinese e-commerce player. U.S. media predictably played the move as a bid by Google, which invested $ 550 million in NYSE-listed JD, to inch its way into a China market that has blocked it for nearly a decade. JD will join Google’s shopping platform, and Google will have done a solid for a Chinese company, presumably pleasing Beijing.

But look closer, and the deal speaks volumes to important alliances. JD’s major corporate shareholders include Tencent, which counts JD as an extension of its retail-technology strategy, and Walmart


wmt



. The U.S. retailer, in turn, has been noodling on alliances with Google for the better part of a year.

The alliances at play are worthy of a 21st century Bismarck of global commerce. Google and Walmart are allied against the arch-foe of Western businesses everywhere, Amazon


amzn



. Tencent and JD


jd



are allied against China’s dominant e-commerce player, Alibaba


baba



.

Could Google


googl



, prevented from selling ads in China, view Tencent as its entr?e into the Chinese search market? Tencent operated a search engine for years but sold it to Sogou, a small competitor to Chinese search leader Baidu. Does this create an opening for Google?

It’s a tangled web. And an interesting one too–especially given the state of the political world, including the tenuous conditions of U.S.-China relations

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HELLESSY IS SEEKING RESORT 19 SALES INTERNS FOR PARIS MARKET WEEK

Founded in 2012 by Sylvie Millstein, Hellessy is a womenswear brand that redefines sexy American sportswear through a French viewpoint. Functional yet elevated, the fabrication, cuts and colors are juxtaposed to achieve architectural fluidity. Millstein melded her multi cultural background and …

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American companies in China don’t care about the trade deficit — they want equal market access

Among G20 countries, China remains the most restrictive in terms of openness to direct investment.
Economy

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Investors should take risks in a hot economy: Market expert

While the economy remains hot, market expert Katie Nixon says now is a good time for investors to take risks.
Economy

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Apple Watch still dominates the market, but there’s a surprising amount of competition

Apple Watch

It’s now been more than three years since the original Apple Watch hit store shelves and Apple still hasn’t disclosed any sales figures for its increasingly popular wearable. While Apple isn’t likely to change its strategy in this regard anytime soon, company executives over the years haven’t been afraid to boast about the popularity of the Apple Watch while avoiding any mention of precise sales figures.

Case in point: Tim Cook during an earnings conference call this past March said that Apple Watch Sales during the 2017 holiday quarter were record-breaking, no doubt fueled by the popularity of the Apple Watch Series 3 and the inclusion of LTE connectivity on select models.

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  1. Amazon has a wireless keyboard that’s better than yours because it never needs to be charged
  2. Samsung’s fastest 64GB and 128GB microSD cards have never been cheaper on Amazon

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  2. If Apple made a car, this is how it would have done it
  3. This year’s iPhones will have a component like no other smartphone

Apple Watch still dominates the market, but there’s a surprising amount of competition originally appeared on BGR.com on Thu, 24 May 2018 at 08:49:14 EDT. Please see our terms for use of feeds.


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Hedge fund Third Point increases short bets against market

Billionaire hedge funder Dan Loeb is seeing more opportunities to bet against the market this year. Loeb’s $ 18 billion Third Point fund said Thursday that it has increased its short bets amid increased “disruption” in stocks. “An important shift in markets happened in the first quarter,” Loeb said on a call with analysts of his…
Business | New York Post

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Black Market for Views Booms After YouTube Changes the Rules

Photo Illustration by Kelly Caminero/The Daily Beast

Making money from YouTube has become a whole lot harder in the past few months, forcing some towards a black market trading in subscribers and accounts.

New rules around monetization, which were announced in January and came into force in February, require YouTube channels to have been watched for at least 4,000 hours in the last 12 months, and to have 1,000 or more subscribers, to be eligible for the YouTube Partner Program.

The Program allows users to monetize their YouTube channels by selling ads on their videos through Google’s AdSense brokerage scheme. In short, if you don’t reach the two thresholds, you’re not going to make any money from your burgeoning YouTube career.

Read more at The Daily Beast.

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Cryptocurrencies and blockchain are becoming a hot trend in the job market

CoinDesk, a source of cryptocurrency news and organizer of industry conferences, has launched an online "Career Center."
Economy

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BofA market analyst Hartnett pins ‘simple reason’ for market woes on the Fed

Bank of America Merrill Lynch strategist Michael Hartnett sees the Fed as the real source of market volatility.
Economy

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Kaiser Permanente Purchases Land in Wailuku, Solidifying Presence in the Maui Market

HONOLULU — Kaiser Permanente Hawaii has purchased 6.2 acres of land under its Wailuku Medical Office. The investment allows the state’s largest integrated health care organization more flexibility as it considers future renovation plans and the expansion of services at the facility. The purchase also demonstrates Kaiser Permanente’s long-term commitment to the Maui community and provides greater certainty around future operational costs.

The Wailuku Clinic has served the Maui community since 1983 and currently provides specialty care services to over 58,700 members, along with pharmacy, imaging and laboratory services.

About Kaiser Permanente
Kaiser Permanente is committed to helping shape the future of health care. We are recognized as one of America’s leading health care providers and not-for-profit health plans. Founded in 1945, Kaiser Permanente has a mission to provide high-quality, affordable health care services and to improve the health of our members and the communities we serve. We currently serve 11.8 million members in eight states and the District of Columbia. Care for members and patients is focused on their total health and guided by their personal Permanente Medical Group physicians, specialists and team of caregivers. Our expert and caring medical teams are empowered and supported by industry-leading technology advances and tools for health promotion, disease prevention, state-of-the-art care delivery and world-class chronic disease management. Kaiser Permanente is dedicated to care innovations, clinical research, health education and the support of community health. For more information, go to: kp.org/share.

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It’s still a bull market, even as tech stocks tank: Analyst

Even as tech stocks tank, the market remains bullish, says one analyst.
Economy

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NFL free-agency reset: Best remaining players, teams still in the QB market, more

Who are the high-end players still on the market? Here are the top 10, plus more on the new benchmark set for contracts and teams that still will be looking to draft quarterbacks in April.
www.espn.com – NFL
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This could get ‘very ugly, very fast’ for Boeing, says one market expert

With so much political uncertainty surrounding trade policy, Boeing's pain could grow.
Top News & Analysis

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Fitness-Preneur Jenelle Salazar Butler Documents Removal Of Black Market Butt Injections

After a few unflattering photos of Nicki Minaj and Kim Kardashian in which their backsides appear to take on a life of their own on top of their thighs, admittedly I have mixed feelings about booty enhancements. While I’m all …

MadameNoire

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Quicken Loans CEO on housing market concerns

Jay Farner, Quicken Loans CEO, discusses where he sees the biggest risks to housing as interest rates rise ahead of the spring buying season. Seventy-percent of people reaching out to us are first time homebuyers, says Farner.
Real Estate

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US drillers are spoiling OPEC’s oil market strategy for the second time in three years

OPEC's goal of shrinking crude stocks may be delayed by surging U.S. oil output, the International Energy Agency warned.
Top News & Analysis

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Money Mondays: Stock Market Ups And Downs And What It Means For You

What’s going on with the stock market after last week’s ups and downs?

It was a bumpy ride last week. On Monday, we watched the market extend a decline it started the week before. On Tuesday, the indices recovered some of the losses, and Wednesday was pretty call. Then on Thursday and Friday, the selloff continued, and officially became what we call a market correction, which is a decline of 10 percent. All of this movement has some people feeling a little queasy, so today I want to talk about why we are seeing this turbulence on Wall Street.

Why are we seeing this volatility?

There are a number of factors at play here. In recent days, strong wage growth and low unemployment have sparked concern about inflation fears, and concerns about higher interest rates and high stock prices have investors skittish. On top of that, I think we are watching the market digest some of the global volatility we continue to see around the world.

In the last few years, the world has seen numerous unsettling developments – we have seen Brexit, serious nuclear rhetoric with North Korea, a government shutdown, partisan gridlock in Congress and increased potential for trade wars, among other things – and yet the stock market has been remarkably calm and unaffected. Together, all of these factors increase uncertainty, and dampen some of the unbridled optimist we have seen until now. As a result, investors have grown more cautious, and the stock market has entered a correction.

We are now seeing correction. Does that mean we are likely to continue to see the market decline?

 It is a fool’s errand to try to predict the markets. And I do not think that we are necessarily going to continue to see a decline. That said, I do think we will continue to see volatility. The last few years have been unusually calm on the markets. In 2017, there was not one day of trading during which the market declined more than 2 percent. Not one. In 2011, there were 21 days.

This week, the volatility index hit the highest level since 2011, so I expect we will see more bumps going forward. And yet, while there are some reasons for caution, the fundamentals of the economy are strong. We continue to see steady GDP growth here and abroad, and the earnings reports so far this quarter have been great. Of the half of the S&P 500 who have reported earnings, 80 percent have beaten Wall Street’s expectations! The companies in the index are on track to grow revenue 7.5% and earnings 13% from a year earlier. Bull markets do not last forever, and this correction was bound to come. That said, do not think investors should be worried.

What does this tell us about the current economy?

Stock market performance and economic performance are correlated, but they are not necessarily linked. Investors look ahead to the future, and over the last week, investors seem to be expecting higher levels of risk on the horizon, whether it is high stock price to earnings ratios, political issues such as higher deficit or gridlock in Washington, or geopolitical issues like North Korea. All of these factors can affect the markets while not necessarily affecting the economy. Put simply, the stock market performance is an indicator, but not a measure of the economy.

What is your advice for our listeners at this point in time?

 Keep your eye on the horizon and ignore the waves. We are likely to see a period of ups and downs on the markets in the coming weeks and months as investors and companies adjust to the changing circumstance in the economy. In tumultuous times, the best thing that you can do is stay the course. You want to continue to regularly contribute to your retirement plan and resist the urge to make changes or react to the daily changes. Remember, you are invested for the long-term. Short-term volatility should not be part of your calculations.

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What You as an Investor Need to Know About the Stock Market Plunge

On Monday, the Dow plunged more than 1,500 points throughout the day, finally losing 1,175.21 points, placing the stock market in correction territory. According to CNN, the drop in the market made it the single worst day ever for the Dow since August 2011.

The Dow lost approximately 4.6% in value and impacted the stock markets around the globe, causing many global markets to decline.

Reason for the Drop

There is not one single reason, but a few things rolled into one.

First things to consider, the economy is strong and healthy. A recent jobs report indicated wages have increased approximately 2.9%, up from the previous year and more than 200,000 jobs were added to the workforce. In addition, the unemployment rate has remained steady overall (although black unemployment went up to 7.7%).

Because of the healthy economy, the Federal Reserve is expected to raise interest rates throughout the year. When interest rates increase, the cost of borrowing increases as well. As rates rise, stock prices begin to fall.

Also, bond yields have risen, which could be disturbing news for stocks. Investors are likely to pull money out of risky investments such as stocks and bonds when there is turbulence in the market.

Lastly, the Federal Reserve has just sworn in the new chairman, Jerome Powell, to replace Janet Yellen. This also brings slight uncertainty to the market.

What Should Black Investors do?

Stick to your retirement goals. You have to understand your long-term purpose. If you are investing in the stock market for retirement and it will be several years or more before you will need the money, then you should stay put and keep the money invested. The market has seen corrections and declines before, therefore it is important to stay the course.

Make certain you are well diversified – The next thing to keep in mind is to make certain you are well diversified, meaning that you don’t have all of your eggs in one basket. And, of course, this will depend on your risk tolerance, but if you are a younger investor, you should consider investing in a portfolio that consists of a higher percentage of stocks and a smaller percentage of bonds. However, if you are moving toward retirement, it may be a good time to review your portfolio to ensure you are not investing too aggressively, since you may need your money soon.

Finally, this is a great time to meet with your financial adviser. Discuss any concerns you have regarding your investments and what steps you should take.

The post What You as an Investor Need to Know About the Stock Market Plunge appeared first on Black Enterprise.

Money | Black Enterprise

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The market hasn’t been this crazy since the Great Recession

The bears haven’t come out of hibernation — but they may be stirring just a bit. Investors white-knuckled themselves through stocks’ worst week — capped by a 1,000-point swing in the Dow Jones industrial average on Friday. For the week, the Dow and the S&P 500 fell more than 5 percent — their worst weekly…
Business | New York Post

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Fed’s Dudley: Market drop is ‘small potatoes,’ economy still strong, rates going up

The tumult in stocks has not changed New York Fed President Bill Dudley's views on the economy.
Economy

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No, The Stock Market Isn’t Crashing. But The Dow Is in Correction Territory

Amid continued volatility and worries about rising interest rates, the S&P 500 and Dow Jones Industrial Average both entered correction territory on Thursday–closing down 10% from the all-time highs that each hit roughly two weeks earlier.

For the day, the 30 stocks in the Dow shed 4% or 1,032 points during trading, closing at 23,860, while the S&P 500 fell about 100 points to 2,581. The biotech- and tech-heavy Nasdaq has been slightly more resilient–it’s down about 9% since its late-January high.

The selloff comes as investors grow worried that the stock market may have run up too much too fast in anticipation of the impact of President Trump’s tax reforms. One of the most likely triggers of their concerns: Bureau of Labor Statistics data from Friday, pointing to higher-than-expected wage growth in December. The information fanned fears that inflation would soon tick upward, leading regulators to raise interest rates. Since Friday, markets have been choppy. The VIX, an index that measures traders’ expectations of market volatility, was coming back with a vengeance. After falling as low as 9 in 2017, it rose as high as 36 on Thursday.

The Bank of England likely also fueled some concerns that central banks worldwide would boost interest rates. On Thursday, the bank’s leader said British regulators may have to ease off of the economic stimulus faster than expected. “It will likely be necessary to raise interest rates somewhat earlier and to a somewhat great extent than we had thought,” Gov. Mark Carney said during a news conference.

Ten-year Treasury yields now stand at 2.8%, nearly their highest point since 2014. Bond yields rise as prices fall, another sign that traders expect inflation to rise.

As scary as those developments may sound, a correction–technically, a drop of about 10%–can be considered healthy, or even a buying opportunity for investors who think the market may still have further to run. Higher interest rates, meanwhile, give central banks more leeway to stimulate the economy; should it fall into a recession, banks can trim rates again. The current bull market has run on for nearly nine years now, making it the second longest in history.

Despite the fears the correction may fan, economists and analysts generally point to recent strong corporate earnings figures among other indicators as a sign that the current slide won’t deepen.

Seen over a longer period the correction in the stock market is relatively small and is likely to have no impact on the macro economy,” said Torsten Sl?k, chief international economist at Deutsche Bank, in a statement.

That said, don’t think Thursday will be the last day of volatility.

“You’ve had a change in the environment; people were positioned for low volatility, low interest rates and low inflation,” said Brent Schutte, chief investment strategist at Northwestern Mutual Wealth Management. “Now you have people moving portfolios around. I don’t think one or two days of selling is going to clean house. I think we have a few more days to go.”

Fortune

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Resetting the 2018 QB market: The Kirk Cousins sweepstakes has begun

One of the wildest offseasons — a trade in January? — is just getting started. And the guy who will benefit the most could start a bidding war. Here’s what’s next for Cousins and the rest of the QBs on the market.
www.espn.com – NFL
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Stock market sell-off a wake-up call for investors

Fear is back in fashion. After getting lulled into a nowhere-but-up frame of mind, investors were violently jolted into reality on Monday as the US stock market tumbled to two-month lows. The 1,175-point decline on the Dow Jones industrial average erased all the gains of 2018 — and returned the index to early December levels….
Business | New York Post

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Bank of America CEO: People with this skill will be successful in the future job market

To succeed, you'll need to find the signal in the noise.
Economy

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London’s ‘almost toxic’ housing market might not give investors the returns they are looking for

London housing has become less attractive for investors as they see limited room for prices to pick up in the U.K.'s expensive capital city, according to analysts.
Real Estate

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Cramer: I’ve never seen market FOMO like this in my life

Jim Cramer said an overload of buyers in the stock market is resulting in dramatically rising stock prices.
Health Care

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Must Read: Nike Faces Challenges in the U.S. Market, Confessions of a Beauty Influencer

These are the stories making headlines in fashion on Friday. Nike faces challenges in the U.S. market Nike isn’t doing too hot in the U.S. as rival brand Adidas has given it a literal run for its money and market shares. In addition, Nike’s U.S. revenue is sinking. Moving forward, the company …

Continue reading

Fashionista

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Cramer’s game plan: Be ready to play this unstable market

Jim Cramer asked investors to be prepared for volatility going into a week with bitcoin and tech front and center.
Health Care

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Cramer: GOP tax cuts good for the stock market — working Americans not so much

"I said on Friday that it may not be good for the workers, but boy is it good for the stock market," Jim Cramer says.
Economy

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putthison: The Put This On Holiday Market! Sunday, December…

putthison:

The Put This On Holiday Market! Sunday, December 10th

It’s that time of year when stockings must be stuffed and menorahs must be lit, so please come one, come all to the Put This On Holiday Market. 

We open our doors once a year for you to check out our shop’s huge collection of vintage jewelry, eclectic notions, and, of course, our handmade pocket squares. Plus some special extras! If you’re in the LA area come by and have a nice Sunday. There’s ample street parking and we’re really close to Langer’s if you want a nosh after shopping. Hang out, have a snack, and peruse some of the finest menswear gifts you could hope to find. 

RSVP on Facebook RIGHT THIS SECOND!

The Put This On Holiday Market

Sunday, December 10th, 11am-6pm

2404 Wilshire Blvd, Suite 9A

Los Angeles, CA 90057

(and thanks to our illustrator Ryan for the flyer image)

Put This On

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The Put This On Holiday Market! Sunday, December 10thIt’s that…

The Put This On Holiday Market! Sunday, December 10th

It’s that time of year when stockings must be stuffed and menorahs must be lit, so please come one, come all to the Put This On Holiday Market. 

We open our doors once a year for you to check out our shop’s huge collection of vintage jewelry, eclectic notions, and, of course, our handmade pocket squares. Plus some special extras! If you’re in the LA area come by and have a nice Sunday. There’s ample street parking and we’re really close to Langer’s if you want a nosh after shopping. Hang out, have a snack, and peruse some of the finest menswear gifts you could hope to find. 

RSVP on Facebook RIGHT THIS SECOND!

The Put This On Holiday Market

Sunday, December 10th, 11am-6pm

2404 Wilshire Blvd, Suite 9A

Los Angeles, CA 90057

(and thanks to our illustrator Ryan for the flyer image)

Put This On

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Vanguard: 70% chance of imminent stock market decline — here’s why you shouldn’t care

If you’re a fan of money expert Clark Howard’s style of investing, you’re probably familiar with Vanguard, the $ 5 trillion asset manager that is a huge proponent of passive investing.

Not familiar with that particular term? Passive investing is a hands-off strategy centered on low-cost index funds that track broad market indices. Investors can buy and hold these investments for long periods or even a lifetime.

Passive investing has revolutionized the way we save for retirement and eliminated the need for a fancy stockbroker with a cigar to pick the hottest stocks for you.

So when a market heavyweight like Vanguard weighs in with a prognostication of stagnant growth over the next five years and a pronounced possibility of a market decline in the near term, you listen!

RELATED: Wes Moss on the great debate between active and passive investing

Is a 10% drop in the cards? Maybe — but who cares?!?

According to Vanguard’s research, a market correction could be close at hand. The asset giant now believes there’s a 70% chance of a correction in the near future.

(Editor’s note: A correction is defined as a 10% decline in the value of the overall stock market, while a bear market indicates a decline of 20% or more.)

Now, you may throw your hands up and say, “Well, that’s the nature of the stock market. There’s always a chance of a correction looming.”

And you’d be right.

However, Vanguard’s research notes that there’s a 30% higher-than-average risk of correction right now than there’s been at any time over the last 60 years.

In addition, Vanguard chief economist Joe Davis is forecasting tepid stock market returns of between 4% to 6% over the next five years.

All of which is cause for concern — unless you understand that investing is a long game and staying the course wins that game.
“In our view, the solution to this challenge is not shiny new objects or aggressive tactical shifts,” Davis writes. “Rather, our market outlook underscores the need for investors to remain disciplined and globally diversified, armed with reasonable return expectations and low-cost strategies.”

Long-term investing is about tuning out the noise

Clark Howard has often talked about tuning out the noise of the day’s headlines and keeping your eye on the goal.

For some people, that goal is financial independence as early as possible, long before your peers do. For many others, it’s a well-funded retirement so you can quit working when you want, on your own terms.

If you’re putting in money through a retirement plan at work and have a lengthy horizon until you have to use that money, just keep going along paycheck by paycheck with your investing. That’s called dollar cost averaging, and it can make you a fortune over time.

But the thing about tuning out the noise is of no use to you if you’re retiring very shortly.

If you plan to retire in the next three years or so…

In your case, it might be a good idea to rebalance your portfolio and take some money out of the game if you’ve had a nice run-up in the value of your 401(k) at work.

The basic idea as you age is to progressively shift more of your money away from stocks and move it into bonds, which are generally less volatile than securities.

If you’ve built up substantial assets over a working lifetime, it’s also a good idea to check in with a fee-only financial planner.

A fee-only financial advisor earns a flat fee to structure or restructure a portfolio for you. They don’t work on commission, so they shouldn’t steer you toward investments that might have a high commission for them, but that are only marginally suitable for your investment goals.

But for everybody else…

If you don’t need the money for seven or more years, then just ignore the frothy valuations of stocks and the looming correction and keep on investing!

You can’t time the market —but time in the market is what makes you money over the long haul.

RELATED: These investment companies offer you the best bang for your buck

Big investments start with small steps


clark.com

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5 Tech Trends That Could Change the Home Building Market As We Know It

 

future-of-construction

As technology advances, almost every aspect of the building process adapts to incorporate newer and faster ways of getting jobs done. Because it’s important for every professional should keep up to date on the latest technology trends in the market, here are five of the top tech trends that could change the home building market as we know it.

3D-printing

3D printing

When the first 3D printer was invented in the 1980s, it was difficult to imagine that this particular machine would someday form a crucial part of the construction industry. Today, 3D printers are used for a wide variety of projects to replicate prducts with new materials. Architects and builders now regularly use computer programs to create scaled models of homes and small parts such as nuts and bolts.

The future of 3D printing is wide open. As the technology behind these computer-generated objects progresses, it will be possible to mass-produce 3D printed versions of furniture or larger building materials. It will even be possible to use 3D printing for different roof types and even entire homes. The pre-fab home market is still thriving, so incorporating 3D printing to save time and creatively use materials is the next logical step here.

flying-drone

Drones

Once thought to be the domain of military intelligence and gadget lovers, drones are now a key part of the home building industry. From cross-site materials delivery to aerial imagery for site surveys and obscured areas, drones benefit construction projects in a variety of ways:

  • Streamlining building projects
  • Saving time and money
  • Keeping clients interested with cutting-edge technology

The future use of drones in the home building industry will most likely see links to robotics, communication, and more hands-free building practices. Keep your eyes to the skies (and the news headlines) for the latest developments, and consider using drones for your next building project if you want your business to stay ahead of the game.

virtual-reality

Virtual and augmented reality

Both augmented and virtual reality simulators have been around for several decades, but their popularity is still steadily growing as mobile phone and other connectivity technologies advance. Virtual reality (VR) allows users to create and view an imaginary world, while augmented reality (AR) takes existing spaces and fills them with things that could be—including furniture, landscaping, walls, and even entire homes. Currently, professionals across the home building market are using augmented reality simulators in order to visualize a building in its completed state without spending hundreds—or thousands—on prototypes and expensive models. During the building process, this tech is particularly relevant for:

  • Architects: using AR as a high-tech alternative to blueprints and scale models
  • Contractors and site managers: making decisions on placement of walls, fixtures, and fittings, and more
  • Interior designers: selecting furniture, color schemes, and decorative accessories for homes
  • Marketing teams: showing completed renderings of homes to clients during the sales process

Future uses for AR include the widespread use of virtual tours of homes and communities. This could further streamline both building and sales processes, as well as the development of AR products—including headsets that allow both professionals and consumers to see products as they are built and placed around the home. AR use could even include the possibility of designing homes with holograms (yes, like Tony Stark).

Robotics

The use of robots in industrial environments isn’t new. In fact, thousands of large industrial plants and production companies make use of automated assembly lines to mass-produce products on a daily basis. Robotic machinery is gradually being introduced into the home building market to help contractors and other industry professionals design, build, and install parts of homes. Someday this could even include building entire homes far quicker than is capable of human hands.

Because programmable bulldozers and other autonomous equipment can speed up building projects and cut down on labor costs, the next logical step here is linking robotics to some of the other tech processes mentioned in this article. Once tech-savvy contractors find a way to create machines that can visualize, transport, and create products on their own, the productivity and quality of building projects will skyrocket.  

social-media-app

Apps and virtual programs

Ask any of your professional colleagues about their business technology use, and chances are that they use mobile apps and online programs to make their lives easier. Apps and Internet-based programs are invaluable these days for many reasons, including (but not limited to):

  • Communication
  • Service and production speed
  • Billing and invoicing
  • Ordering materials

Generally speaking, if you name it, an app can make it happen—both efficiently and reliably.

As tech users become more confident with their online skills, increased efficacy and speed become top priorities. The Internet of Things (IoT) and smart technology allow users to link programs and products in order to streamline processes and keep things working as fast as possible. Homeowners have already embraced this idea with their houses full of smart gadgets and products, so it only seems fair that the home building market should adopt these practices as well. In the future, apps will control all sorts of contractor-friendly tech—including robotic machinery, drones, and every aspect of site maintenance—while more homes will be equipped with IoT-friendly devices in order to keep everyone connected in our increasingly tech-centered world.

The post 5 Tech Trends That Could Change the Home Building Market As We Know It appeared first on Modernize.

Modernize

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Grailed Opens New Market for Classic MenswearGrailed has been a…

Grailed Opens New Market for Classic Menswear

Grailed has been a great new marketplace for menswear enthusiasts. While we’re longtime fans of eBay, it can be hard to find stuff there without using pre-designed search filters (which is why we have our eBay roundups, to help readers find the good stuff). There’s also a bit of trading still happening on the buying-and-selling sections of menswear forums, but they can be hard to navigate – sort of like trying to find a cool jacket on Craigslist. 

The great thing about Grailed is that it’s a user-driven community of menswear enthusiasts, with a sizable team on the backend to help sort listings between the site’s mainpage, Core, and Hype subsections (the last two being for basics and hyped streetwear, respectively). The site’s unique interface also makes it easy to serendipitously find things you may not have known about as you’re scrolling through the site. All in all, the site just makes it easier to find find great things for your wardrobe. 

Today, Grailed is launching their newest subsection, Sartorial, which is for tailored clothing and classic menswear. Brands such as Alden and Crockett & Jones have always thrived on the site, but the marketplace has been generally geared towards the casual side of the spectrum – more niche designer jackets from Japan, rather than something you can wear to a conservative office. Grailed’s new Sartorial subsection is looking to change that by consolidating all the tailored and classic menswear into one place. And they’ll be supporting it with editorial content on their blog (the first photo above is a preview of their story on Cucinelli, which is scheduled to go up tomorrow). 

Note, as with any of these sites, you’ll want to smartly employ the search filters in order to drill down on things that’ll work for you. Grailed also allows you to save your searches so you don’t have to click through all the options the next time you visit. You can see the Sartorial subsection here.

Put This On

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Pfizer Lifts FY17 Adj. EPS View Above Market As Q2 Profit Tops Estimates

Drug giant Pfizer Inc. on Tuesday raised its forecast for fiscal 2017 adjusted earnings per share, above market estimates, while narrowed revenue forecast after reporting strong third-quarter results. In the third quarter, attributable net profit more than doubled, and adjusted profit topped market estimates, while sales were in line their view.
RTT – Earnings

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Weekly US jobless claims rose less than expected as the labor market continued to tighten

The number of Americans filing for benefits increased less than expected last week, suggesting the labor market continued to tighten after recent hurricane-related disruptions.
Economy

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Internet scammers are now infiltrating housing market on closing day. Here’s how they do it

CNBC's Diana Olick takes a look at how some digital schemers have been able to target real estate agents, title companies and homebuyers with fraudulent emails in an attempt to divert down payment money to other accounts.
Real Estate

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Kris Jenner’s Stand-In House From ‘Keeping Up With the Kardashians’ Hits the Market

The home that was used as a stand-in for Kris Jenner‘s house in Keeping Up With the Kardashians is up for sale.

The property, named the Iredell Estate and located at the Fryman Canyon Estates in Studio City, California, is listed for $ 7.8 million with Brandon Assanti of Rodeo Realty Beverly Hills.

While only the home’s facade was used on the show, there is certainly a lot to see inside the home.

Featuring Italian architecture and design, the house has seven bedroom and nine bathrooms and is situated on almost one-acre of land behind large gates.

NICK SPRINGETT
NICK SPRINGETT

The Mediterranean-inspired house also has a gourmet chef’s kitchen with a breakfast room, which also comes with two chandeliers and three sinks.

NICK SPRINGETT
NICK SPRINGETT

A dining room, a screening room, a wine cellar and an outdoor kitchen perfect for entertaining are also amenities.

NICK SPRINGETT
NICK SPRINGETT

The estate also boats polished wooden floors, as well as an enormous master bedroom featuring a walk-in closet with glass display cases.

NICK SPRINGETT
NICK SPRINGETT

A four-car garage and a fountain round complete the property’s luxurious amenities.

While the KarJenners never lived in the estate, it has been featured on other shows such as Chelsea Lately, True Blood and American Horror Story.

The home was listed earlier this year for $ 9 million, according to Curbed LA.

In March 2014, Kim Kardashian West explained that exteriors shots of different homes were used in KUTWK for “security purposes.”

“I would get people showing up at all hours ringing my gate & had to call the police on several occasions,” Kardashian responded to a fan question on Mobio Insider. “People hoping [sic] the gate & scaring me. It was so unsafe. The Hollywood Star Tours would stop by too, bc they recognized my home from our show. After that we realized how unsafe it is to show the exterior of our homes. So now we use different homes for the outside for security purposes.”

This article originally appeared on People.com


Entertainment – TIME

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Fed’s Williams sees a calm market reaction to reducing its huge balance sheet

U.S. central banker John Williams said on Friday he does not expect any market turbulence as the Fed gets underway with reducing the huge balance sheet.
Economy

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Confusion hits consumer market over US ban of Kaspersky

NEW YORK (AP) — Worries rippled through the consumer market for antivirus software after the U.S. government banned federal agencies from using Kaspersky Lab software on Wednesday. Best Buy and Office Depot said they will no longer sell software made by the Russian company, although one security researcher said most consumers don’t need to be alarmed.
Technology Headlines

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INPP H1 Pre-tax Profit Declines; Says Market Outlook Remains Positive

Infrastructure investment company International Public Partnerships Limited (INPP.L), or INPP, reported that its profit before tax for the six months ended 30 June 2017, on IFRS basis, was 57.1 million pounds, down from 109.6 million pounds in the year-ago period. Earnings per share were 4.89 pence, lower than 11.14 pence a year ago.
RTT – Earnings

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Campbell Soup Sees FY18 Earnings Below Market After Q4 Results Miss Estimates

Campbell Soup Co. Thursday said it expects fiscal 2018 adjusted earnings per share to be flat or slightly higher than last year, but below market estimates. The company also warned on sales for the year. In its fourth quarter, adjusted earnings and sales missed market view. In pre-market activity, Campbell Soup shares were losing 1.13 percent.
RTT – Earnings

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Cramer Remix: Don’t trust this market maneuver during a sell-off

Jim Cramer explains why investors should be wary of stock buybacks during market-wide pullbacks.
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David Tepper says booming market still has room to grow

As the stock market continues to hover near all-time highs, billionaire hedge fund investor David Tepper sees a bit more room for growth. “I’m not saying stocks are screaming cheap, but you’re nowhere near an overheated market,” Tepper said in a TV interview on Tuesday, noting that comparisons to the 1999 rally were “ridiculous.” “Because…
Business | New York Post

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TJX sees revenue rise amid lackluster market for retailers

As shoppers continue to flee department stores, more often than not they are running straight into the arms — and aisles — of off-price giant TJX Companies. TJX, which runs the TJ Maxx, Marshalls and HomeGoods chains, remains among the bright lights of retail — seemingly picking up more than its fair share of the…
Business | New York Post

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The latest market to go berserk in China: Steel prices

Chinese steel prices are falling after spiking last week as a series of curbs targeting speculative trading kick in.
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Ex-Jet wants to market pot-derived painkillers at youth games

A former New York Jet is kicking up a cloud of controversy with a plan to market marijuana-derived products at Pop Warner youth football games. Marvin Washington, who played 11 seasons in the NFL — including eight years with the Jets — is the managing partner of Isodiol, a company that extracts a little-known chemical…
Business | New York Post

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Anthem pulls out of Virginia Obamacare market, citing volatility and uncertainty

Anthem announced Friday it will not participate in Virginia's individual insurance exchange next year.
Health Care

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North Korea tensions are just an excuse for a market looking to sell off, says strategist

The market is looking for an excuse to sell off after a year of gains, one market strategist told CNBC.
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Readers Have Their Say … On Pain And Who Stands To Gain In Drug Market

Letters to the Editor is a periodic KHN feature. We welcome all comments and will publish a selection. We edit for length and clarity and require full names.


Surgeons AWOL In The ER

While performing surgeries simultaneously is supposedly justified on the grounds of teaching residents and fellows, it wasn’t always this way (“Double-Booked: When Surgeons Operate On Two Patients At Once,” July 12). The surgeon was expected to stay and oversee and advise the resident as they worked. The real reason surgeons double- and triple-book in teaching hospitals — and the hospitals let them — is that it jacks their income into the stratosphere. That is one way teaching hospitals attract and keep some of the more talented (if somewhat avaricious) surgeons. I have been a hospital and medical group executive for over 40 years.  I know this is true.

— Richard V. Stenson, Forest Grove, Ore.
MHA, MBA, FACHE, FACMGA


The Other Side Of The Opioid Crisis

Chronic migraines forced me to go on disability after 15 years of working as an RN in the NICU. I tried every medication suggested by my neurologist. The only medication that had any effect was gabapentin. Every day I read a new article about the abuse of an alternative to opioids, like gabapentin (“New On The Streets: Drug For Nerve Pain Boosts High For Opioid Abusers,” July 6). A new medication to vilify, restrict and cross off the list of alternatives to opioids. While I understand there is the potential of abuse for gabapentin, there is for all medications. In the efforts to fight the “opioid epidemic,” those of us who live with chronic pain have been ignored. Don’t be surprised if next time you break your leg, they give you an aspirin.

— Kristine Bell, Calgary, Alberta, Canada


Hammering Home The Message

There’s no better proof your recent video carries the drug lobby’s message than the PhRMA CEO’s two-word compliment: “Nailed It.” We take exception to the video (“Middlemen Who Save $ $ On Medicines — But Maybe Not For You”), which we think confuses the roles of drug companies, wholesalers, drugstores, payors and pharmacy benefit managers (PBMs).

First, payors (employers, unions, government, health plans), not PBMs, decide what to do with the rebates that PBMs negotiate on their behalf. While PBMs are typically directed to pass through 90% of rebates, an increasing number of payors choose to have all rebates passed through. This is a transparent negotiation between PBMs and their clients. Likewise, it’s incorrect to say “consumers don’t see the savings” from rebates. Payors use rebates to reduce premiums, deductibles and copays for consumers.

Second, the video confuses the roles of PBMs, wholesalers and drugstores. Wholesalers and drugstores are the ones that buy and resell drugs. Whether those industries “pocket the difference” or include a “mark-up” is a question for them, not PBMs.

Third, the video confuses the role of drug companies (which set prices) and PBMs (which negotiate discounts off those prices). PBMs have no control over whether “prices for some drugs keep going up.”

It’s also a non sequitur to say PBMs favor competing drugs with higher rebates and discounts “instead of the cheaper drug.” By definition, the drug with the lowest net cost is the cheaper drug. In any case, 90% of the claims PBMs administer are generics, which involve no rebates at all.

Rising drug prices make coverage harder to afford for payors. Benefit design is not the cause but the effect. Payors try to cope by raising deductibles to continue offering coverage. It’s surprising that an established news organization would peddle such a misinformed video that so closely mirrors drugmaker talking points.

— Mark Merritt, Washington, D.C.
President and CEO of Pharmaceutical Care Management Association

Shaky Logic?

A recent KHN article (“5 Ways White House Can Use Its Muscle To Undercut Obamacare,” July 24) reports that various reputable entities suggest that Obamacare’s subsidized exchanges are “stabilizing.” But, a subsidy is money that bolsters that which is “unstable” by virtue of its being incapable of standing on its own. Are “Obamacare” exchanges requiring smaller and smaller subsidies, as time goes on, while delivering more and better coverage and care? Only then would “stabilizing” be an accurate description of their health and prospects.

— Larry Powers, Philadelphia


You Get What You Pay For

I am grateful for the attention Kaiser Health News brought to the extremely high sticker price of Spinraza. When assessing the cost of rare-disease drugs, one must look closely at the benefits the drug provides, and unfortunately the article (“Drug Puts A $ 750,000 Price Tag On Life,” Aug. 2) vastly undersold Spinraza’s benefits.

By any metric, Spinraza is a major breakthrough for spinal muscular atrophy (SMA) patients. In addition to the data you cited, over 70 percent of the infants saw a four-point or greater increase in The Children’s Hospital of Philadelphia Infant Test of Neuromuscular Disorders score, another motor-skills gauge. And it cut the risk of death or permanent ventilation by 50%. Infants dosed before symptom onset show even more profound benefits, with many hitting motor milestones when expected and some even walking. The data also show Spinraza benefits patients on ventilators.

You state, “It was tested only on children, most under age 2, though it was approved for pediatric and adult use.” However, over half the patients in the pivotal trials were ages 2 to 12. The drug showed incredible benefit in these patients as well — a four-point difference in the Hammersmith motor function score compared to placebo. This a meaningful change in these kids’ lives. And because the drug worked in two different patient populations, it would be unethical to withhold it from older patients.

With respect to the cost to develop the drug, Ionis Pharmaceuticals, the developer of Spinraza, has spent over a billion dollars over 30 years developing the novel class of drugs Spinraza is a part of (antisense oligonucleotides). This is Ionis’ first commercial success. Implying development started in the early 2000s with public money does not tell the whole story. Without Ionis’ decades-long efforts, Spinraza would not exist.

— Nate Uhl, Greenwood, Ind.

[Editor’s note: The FDA provides this “drug trial snapshot” and summary review to detail who participated in the clinical trials that led to the approval of Spinraza and provide information about whether there were differences among sex, race and age groups.]


Benefits Vs. Risks

We would like to clarify a few points in “Denial, Appeal, Approval … An Adult’s Thorny Path to Spinraza Coverage” (Aug. 2). Kaiser Permanente is strongly committed to providing safe and effective care for our patients based on the patient’s clinical condition, physician expertise and evidence-based research. At this time, there is no published clinical evidence that nusinersen benefits adults with spinal muscular atrophy (SMA). While the Food and Drug Administration did approve nusinersen (Spinraza) for adults, the clinical trials tested nusinersen only in children up to age 15. This puts the responsibility of doing the research on the efficacy of nusinersen on health plans and delivery systems, while potentially exposing patients to side effects and harm.

Kaiser Permanente physicians have prescribed the drug for patients whose age and clinical condition indicate they are most likely to benefit from the treatment based on medical evidence. We encourage the FDA to re-examine its drug approval process to ensure that pharmaceutical companies have actually conducted research on the appropriate populations to prove their drugs are safe and effective.

— Dr. Sameer Awsare, Campbell, Calif.
Associate Executive Director, The Permanente Medical Group

[Editor’s note: Kaiser Health News is unaffiliated with Kaiser Permanente.]


Cutting To Heart Of The Data

Of course — if you demonize the cardiac surgeons with high death rates, then those surgeons will improve their rate by turning away patients who are likely to die (“Calif. Hits Nerve By Singling Out Cardiac Surgeons With Higher Patient Death Rates,” July 17). Those patients will die without surgery, but at least the reported numbers will improve! It happened in New York and will happen in California in proportion to how much demonization goes on.

— Dr. Bruce Bodner, Taunton, Mass.


What Readers Want: More Digging

When telling a story and someone says, “Obamacare was too expensive,” don’t stop there. You need to dig into why the person is saying that. We need to know whether:

  1. The person has income too low to be eligible for a tax credit to help pay for the plan and thus would have had to pay the full price.
  2. The person has income too high to be eligible for a tax credit to help pay for the plan and thus would have had to pay the full price.
  3. The person is eligible for a tax credit to help pay for the plan but they looked at bronze plans and decided the deductible was too high to be worth it. They weren’t aware they were eligible for a cost-sharing reduction with a silver plan.
  4. The person is eligible for a tax credit to help pay for the plan, looked at both bronze and silver plans, considered cost-sharing reduction if eligible and it still was more than they could afford.

These are different problems and we need to know which it was.

— Mary Schneckenburger, Litchfield, Maine


Poster Child For The New 90s

Your story “How To Put The ‘Non-Age’ in Nonagenarian” (June 26) is a big deal! When I was 97, I was writing plays and producing them. Since my 90s, I’ve been writing books and have published five books. I dance, but I have to hold onto my walker. I travel every year to somewhere warm … and my memory is excellent. I take each day as it comes and find enjoyment in simple pleasures. I enjoy a good laugh and good conversations — my daughter says I’m very funny and should do sit-down comedy! I find life very interesting — even at my age. (I am going to be 103 on my next birthday.)

— Estelle Craig, Toronto


Kaiser Health News

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Unemployment claims higher than expected as labor market continues to tighten

Initial claims for state unemployment benefits increased 3,000 to a seasonally adjusted 244,000 for the week ended August 5.
Economy

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The generic drug market ‘is at risk now’ from deflation, trade group says

An imbalance in supply and demand is the cause of recent pain in the generics industry, said trade group chief.
Health Care

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Anthem to leave Nevada’s Obamacare market

U.S. health insurer Anthem will no longer offer Obamacare plans in Nevada's state exchange.
Health Care

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Goldman sees unemployment below 4%, job market getting so good it could ‘overshoot’

Goldman Sachs economists say the unemployment rate could go as low as 3.8 percent next year.
Economy

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A portfolio manager warns there’s a ‘supervolcano’ beneath the market waiting to erupt

There's a correction that's waiting to erupt in the market, says one portfolio manager.
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Dow cracks 22,000 ahead of Asia market open; Caixin services PMI due

The Dow closed above the 22,000 level and the dollar remained pressured ahead of the Asia's Thursday market open.
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How (And Why) To Market Your Business on a Shoestring Budget

Budget

One of the most critical, and most challenging, aspects of running a small business is marketing it.  Most entrepreneurs have little to no background in marketing, and often lack the resources to hire the talent that could make a difference in this area, especially early on.  Failing to market your business and its products effectively can be costly; poor marketing can limit your company’s exposure to new customers, and can leave you vulnerable to more market-savvy competitors.

However, it doesn’t have to be this way. Even if your company lacks resources, it can get its message out and create product awareness. Here are four great tips for marketing your company effectively, even when the money is tight.

 

Leverage Social Media

 

There are billions of people on social media, and access to almost all of them is absolutely free. Establishing a presence on social media is one of the best, and most economical, ways to reach new customers and maintain contact with existing ones. Used correctly, social media can be a powerful marketing tool for a small business.

There are some basic rules to effective social media marketing. First, the content you create should be high quality; your potential customers have to want to view it. It should also be current, meaning that you should update your social media presence routinely. Your company’s Facebook page is worthless if the last time you updated it was eight months ago.

You should also remember to share and share alike on your social media platforms. Be willing to link to content that other people create or provide you, especially if it is related to your niche industry. This will help spread your social media presence further in the long run, and enable you to reach more potential customers.

Finally, your social media presence should foster community. Your company should interact with customers and potential customers there, and foster a climate where your customers also talk to one another. If your social media presence becomes a place people come to interact with one another, you will be creating the kind of brand awareness that you cannot buy at any price.

 

Create Buzz with Online Content

 

Another way to establish your brand and market your products and services economically is by creating great online content. Content marketing involves producing valuable or interesting information that helps generate interest in your company.  All types of businesses and nonprofits have pursued this strategy; it is simple, and it works.

Interesting online content provides a service to current and potential customers; they may gain greater understanding of how to use your products or services more effectively, or greater information about the niche in which your products and services are used. Due’s blog, for example, has great information relevant to small businesses and entrepreneurs.

Other small businesses have built their entire marketing strategy around providing interesting content. Jenna Woginrich, for example, owns the Cold Antler Farm blog. She has built an entire lifestyle industry around this blog, selling everything from homemade soaps to books on homesteading to an ever-growing audience eagerly awaiting her next blog post.

Much like social media, the key to effective content marketing is providing useful, interesting content, and doing so on a regular basis. Doing so ensures not only that people will read what you produce, but also that they will be able to find it in the first place.

 

Become a Public Commodity

 

One of the best ways to get your business noticed, directly and indirectly, is to increase your engagement with the public. There are many ways to do this that won’t break the bank; some of them may even pay you for your troubles, too.

If you are an expert in the niche in which your company operates, consider writing an article about it in a magazine or local newspaper. If you can indirectly discuss your company’s products or services, all the better. The more exposure you get in venues like these, the better chance you have of reaching new customers.

You could also consider speaking in public forums, such as conventions based around your particular products and industry. A presentation in one of these forums can help raise your company’s awareness; they may also offer you a venue to showcase your products and services to potential clients as well.

Another way to attract customers, and keep new ones, is to offer free classes on use of your products. Retail giants like Home Depot and Lowes often do this, teaching would-be customers how to use the tools and materials they sell to improve their homes and yards. Other than the preparation and execution time required, this marketing technique can be done relatively cheaply.

Finally, you could consider sponsoring, or supporting, popular events that potential customers might attend. Events like 10k races, or a “tough man” style obstacle course, may be a perfect venue if you run a sporting goods store, for example. Supporting any event in your local area may help to generate positive buzz, and lead to more clients in the long run.

 

Throw out the Rulebook and Go Guerrilla

 

Another way to market your business on a low budget is to think wildly outside the box, and establish an attention-getting guerrilla marketing campaign.  Guerrilla marketing often involves taking unconventional, and at times controversial, direct action to create awareness of your company, its products and services. Done well, it can be a highly effective promotional tool for your company.

Guerrilla marketing can involve major indoor and outdoor promotions, user experiences that create brand awareness, or even stealth campaigns that indirectly lead people to think about your company and its products. These types of campaigns typically rely on surprise or even shock value to grab people’s attention.

There have been some truly great, and funny, guerrilla marketing campaigns lately.  One such example is the paper towel company, Bounty, creating surreal messes, which included eight foot tall discarded popsicles, and 55 gallon spilled coffee cups in public places; people with, you guessed it, rolls of Bounty paper towels subsequently moved in to clean up the messes before an amused public audience.

Even movies use guerrilla marketing to create buzz.  Marketing for The Dark Knight Rises, for example, included releases of heavily redacted CIA documents concerning several of the film’s major characters. These obscure documents, released early during the film’s marketing campaign and prior to major trailers coming out, no doubt left moviegoers hungry for more.

Guerrilla marketing can be done on the cheap, and often requires nothing more than a little theatrical creativity. The key factor for success in these campaigns is ensuring that the outcome of any such effort leads to greater awareness of your company, its products, or its services.

 

Final Thoughts

 

If you don’t develop an effective marketing strategy, the success of your company may be at risk. But that doesn’t mean you have to go broke raising your brand’s awareness, either. Effective marketing campaigns can be executed by any company that is willing to put in the effort, even those on a tight budget.

Effective social media presence and content marketing can help you hold on to current customers, and reach new ones as well.  Taking advantage of public venues can also help you build goodwill, and connect you to people interested in your company. Finally, for entrepreneurs with low budgets but high levels of creativity, a guerrilla marketing campaign may be the way to go. So if your company is looking to raise awareness and attract new customers, consider these marketing techniques, and put one of them to work for you today.

 

 


William Lipovsky owns the personal finance website First Quarter Finance. His most embarrassing moment was telling a Microsoft executive, “I’ll just Google it.”

 

Small Business – Black Enterprise

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Are money market rates worth looking into?

Dear John, I suggest you mention to your readers the much higher yields available in money market accounts — 1.3 percent at CIT; 1.24 percent at Popular Community Bank; 1.11 percent at Everbank and others — compared with the abysmally low rates in regular checking accounts, such as JPMorganChase’s .01 percent or Wells Fargo’s .03…
Business | New York Post

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Brooklyn Cultural & Market Tour in New York

Brooklyn Cultural & Market Tour in New York


From farms to pushcarts to markets to the kitchen table, Brooklyn’s culinary and cultural environment is constantly changing. This Cultural and Market Tour will give you an insider’s perspective.Once known for its pickles and kosher meat, East Williamsburg, Brooklyn now serves up herbal teas from Mexico, the sounds of salsa music, and traditional foods and products from various Latin American countries.You will explore the history of Brooklyn’s “Avenue of Puerto Rico,” an area that was once the heart of a Jewish community and is today at the center of the Spanish-speaking community.You will get an insider’s look at the Moore Street Market that was built in 1941 to mark the end of the pushcart era and continues to be an important institution to the neighborhood today. Enjoy meeting the vendors, sampling their delicious foods and beverages, and learn about Ecuadorian, Mexican, Dominican and Puerto Rican dishes.The tour will also make a stop at Anibal Meats Market where you will learn about the history of butcher shops along Moore Street.This cultural and culinary tour tells the story of Brooklyn’s layered ethnic history through its food so bring your appetite and have fun discovering how today’s Brooklyn came to be.
List Price: $ 48.00
Price: $ 48.00

Second-Hand Paperback Books for Sale at Hotorgot Market, Stockholm, Sweden

Second-Hand Paperback Books for Sale at Hotorgot Market, Stockholm, Sweden


Second-Hand Paperback Books for Sale at Hotorgot Market, Stockholm, Sweden Photographic Print by Jonathan Smith. Product size approximately 18 x 24 inches. Available at Art.com. Embrace your Space – your source for high quality fine art posters and prints.
List Price: 24.99
Price:

How to Market Yourself in the Music Industry

I’m a hypocrite. At least I think I may be.

I’ve spent the better part of 30 years in sales and marketing and actually own a marketing company. Yet, I find myself annoyed by commercials and blatant brand marketing campaigns. Perhaps being an insider in the game of marketing has tainted my objectivity and sense of appreciation for the cleverness of it all. But in the end, I fast-forward through commercials on my DVR and find product placements in TV shows and movies to be a bit tacky. I have often asked myself if I have ever really been influenced to make a purchase based on advertising.

The simple answer has to be, “Yes”.

My subconscious awareness of a brand or product puzzles me. I’ve responded to discounts or low price offers in advertisements when it involves a product I’m already interested in buying, usually a commodity like food. But if I’m not already looking for or seeking a product or service, advertising just glosses right past me. At least that’s what I rationalize.

Having said that, I do appreciate clever creative advertising. Watching the Super Bowl for the best commercials is like a holiday event. So I can admit that I am at least marginally affected by advertising.

In the entertainment business, it’s all about advertising and promotion. In fact, the industry doesn’t exist or renew apart from P & A (promotion and advertising).

An artist, actor, model, or perhaps anyone in the public eye will typically need to manage their brand and image with the public and industry. It’s part of the process. It just is.

When I consider all the ways advertisers use to promote their product, service or cause, I am overwhelmed by the conditioning we, a free market society, have been subjected to over the past 100 years or so. Think about it. Nearly everything we experience each day has some promotion or advertising connected with it. Even the most human characteristic has a form of promotion. The outfit we choose to wear, how we do our hair, the personal hygiene products we use are all simply ways we tell the world who we are in the most basic way.

In the music industry, everything an artist does, says, looks like, sounds like, etc. is a direct or indirect form of advertising. The exception being that in the entertainment industry, it is advertising on steroids. It is an industry based on the senses and emotion. Promoting an artist involves engaging the potential consumer with a sensual or intellectual appeal. Guys like me in marketing understand this nuance and we do our best to enter the psyche of the targeted consumer to create a campaign that will attract them to the product, service or cause we assist promoting.

The hardest part of advertising is knowing how to calculate investment of funds and other resources (like time, creativity, etc) versus the measurement of the payback. For business newbies, the term is called ROI, Return On Investment. The magic or silver bullet in marketing is to find the best ROI campaign.

Measuring ROI in the music business can be difficult. Some would look for direct financial returns as the best measurement. Record labels, especially, are concerned about ROI because they function more like a bank now than in the past. They are looking for their investment to make a return in literal revenues. But as a new artist trying to make your way, some marketing investments won’t have a financial ROI, but more of a branding ROI. What this means is that you are investing in spreading your name, talent and creativity to as many people as possible. You’re selling yourself, not just your CD or downloadable music, or concert tickets, or merchandise. A branding campaign is likely the most expensive and most difficult one of all because it doesn’t have a direct measurable ROI at first.

There have been many gigs, media interviews, songs, TV appearances, or just meet and greets that Spencer Kane (my 18 year old artist / actor son) has done the past three years that give him public visibility, but there has been no financial upside in the short term. It’s all been part of the branding campaign. Even having a sponsor for shoes and clothes has often been simply a branding campaign for the sponsor and Spencer at the same time. There’s no real financial upside to it.

One of the more frustrating parts of P&A in the music business involves touring and live events. There’s not really an easy formula for how to fill seats at a venue when you’re just starting out. There’s the whole friends and family angle when you’re just an infant in the process, but that gets old. Promoting your music and brand well enough to get a consumer to pay for a ticket to see you live is simply difficult. There’s no short cut, no secret method. There’s always co-branding where you attach yourself to an existing product or brand that the public already knows (think being an opener for a major headliner), but even that can cost money for a new artist (pay-to-play).

Refining your approach to marketing in the music industry is an ever evolving process. What works for one season, may not work the next. Redefining your image and brand may involve new music styles, new wardrobe or appearance, or even migrating to a different area in the entertainment business. Madonna has always inspired me regarding her ability to reinvent herself for different seasons and audiences. She is still Madonna, but somehow creates a new sound, image, or controversy to get the public to pay attention. Miley Cyrus does it all the time. It’s the nature of the industry.

People’s attention span, especially teens, only lasts so long. The “flavor of the day” mindset is very realistic for younger audiences. However, once they attach their emotions to that flavor, it stays with them for years. I recall my personal emotional tie to songs and bands from my youth. That is why the entertainment industry is so built around youth. It’s the ability to connect emotionally and sensually with your audience that creates business. This is fact.

So here’s a few quick tips about how to market yourself and measure the ROI to some degree.

1) PERFORM LIVE OFTEN

Sadly, with the advent of the internet age, artists think churning out mix-tapes or youtube videos is going to give them their big break. They offer free music for download in an effort to build their brand. While offering “samples” of the product is smart, giving away your product long-term just looks desparate. It creates the image that you don’t value your brand. Beyond that, it’s eventually costing a lot of resources that could be spent elsewhere. Once an artist has a lot of product built up, they need to focus on giving the public a live experience of the product. This is important because it does many things for your career. It helps you learn how to respond to audiences, but also allows audiences to experience more than just the music of an artist. It’s a way to build an emotional connection that is deeper than the melody or lyrics. You’re investing in your brand and building fans that will ultimately pay for your music. Sadly, social media fans don’t easily convert to buyers of your product because they have been trained to expect everything for free. When you’re trying to build a career and earn a living, free doesn’t cut it. So taking every opportunity to perform will eventually create an ROI of product sales in merch at the event or new music you release later on. Performing live may involve a lot of free shows, non-paying gigs, travel expenses, and even some pay-to-play performances. The investment may be costly up front, but it will pay off down the road in revenues.

2) SOCIAL MEDIA

Not to contradict myself, but social media does have a ROI. The investment is the babysitting of posting and upload of content, responding to fans and engaging with them, and the managing of multiple platforms and software. Hiring a social media manager may escalate the ROI, but also may cost you finances to do. The viral effects of social media are proven when the right content or post is made available. But it is important to know that it is more a marketing tool of necessity than one of financial return. It builds a long-term snapshot of the artist and their life, which will give new converts a chance to get to know the artist and their music in short order. The ROI is usually the initial exposure of your music to new fans who may eventually come see you in concert or pay for your music.

3) IMAGING

Please take the time to hire a professional photographer, graphic designer, web developer, producer for music, etc. Many artists fail to realize that their image goes beyond the music they create. It is their wardrobe, the photos they post online, the album artwork, the press photos they furnish, the music videos they create, and even their merch booth display. For a few hundred dollars, for example, you can create a very visually stimulating merch booth at a live venue. It will easily impress fans and even industry folks who attend that you’re serious about your career. Many think spending $ 100 on home printed paper CD label will save them money, but it may be costing them. Take the same $ 100 and spend it on a 5 or 8 foot banner. That visual will attract people to stop by your booth. This is especially true when performing at a large festival where you’re not alone as an artist. A good photographer can be found about anywhere nowadays. Camera gear is relatively inexpensive. Even phones have great cameras. It’s the little things you do with your image in marketing materials that make a good ROI.

4) CO-BRANDING

I mentioned this before, but any chance you get to be a feature on an established artist’s project, or have them featured on yours is brilliant marketing. Appearing at an event with an established brand is also important. This may seem basic, but it is important. The real challenge is that established artists don’t like having parasites around. They don’t want to use their fame and popularity to give you a freebie. Most will want some investment from you in exchange. Don’t be offended. They have spent years and resources building their brand. Imagine being a wannabe chef and asking a national restaurant if you can offer your gourmet recipe to their clients and potentially taking away orders from their own menu. This is the reality of co-branding. It costs money most times but the ROI can be instant popularity. Just listen to radio. Rihanna has done something no other artist has done in history. She has more number one songs on Billboard than anyone. She hasn’t done so alone, she has co-branded the majority of them by being featured or having a proven artist featured on her project. It has created a successful business ROI for her career.

5) PRESS RELEASE

It may seem trivial, but the power of a press release as it relates to marketing is very important. Having media tell your pre-planned news story can be very helpful. Writing a press release properly is very important and paying someone to do that can make a difference in first impressions with the media. You may not have the ability to craft words together or may think you’re a lyrical assassin with words, but having a professional press release writer tell your story is an important investment. Many can also help distribute the press release to the right outlets to cover your story. Sadly, the local newspaper only builds local awareness, and in the music industry, you need to have a regional impact to build serious momentum. The ROI isn’t an immediate financial one in most cases, but more of a brand awareness and can really build strong alliances with media outlets that will likely want to follow your progress over time.

Even though marketing (P&A) is essential, be careful not to get caught up in investing so much in P&A that you lose sight of measuring the ROI. At some point you will look at your bank account and music sales and scratch your head wondering why it isn’t what you expected. Being careful in your investment of P&A and deliberate about measuring the ROI along the way will help you prevent going bankrupt in resources or emotion. The other balance to this is to avoid believing your own P&A and ignoring the reality that your brand or music may just not be desirable by the masses and it may be time to pack it in and focus on another way to earn a living. Sad reality, but one that can save you and those around you some frustration.

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