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The chancellor said he had been following a "hard and difficult road" as he sought to eliminate Britain's structural budget deficit mainly through spending cuts.
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But he said that Labour's campaign on the cost of living, to be highlighted in Ed Miliband's speech to the TUC on Tuesday, did not amount to an economic policy. Osborne said: "You don't solve the pressure on the cost of living with simply a shopping list of interventions and government regulation."
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The chancellor said he acknowledged the impact of rising utility bills and the costs of financial services. He is to address these later this year.
Osborne said: "We know every penny counts for hard-working people. But by themselves these changes don't amount to an economic policy. And to focus exclusively on these things alone, important as they are, is to miss the wood for the trees.
"I know times are tough and that family budgets are squeezed. But fundamentally Britain is poorer than it was not because government didn't intervene enough, or rail regulation wasn't tough enough or rental policies weren't fair enough. Britain is poorer because of a massive failure of economic policy in the last decade."
The chancellor said he was targeting the cost of living through tax-free childcare, low mortgage rates and raising the tax-free personal allowance to £10,000. Labour's plan would increase the cost of living, he maintained.
"The alternative plan still being presented is a return to higher borrowing, more debt, more instability, lost jobs, rising interest rates and higher taxes. These will all add hugely to the cost of living."
Balls is likely to counter that the economy has gone through three years of lost growth, and even now is underperforming. He may also suggest that the recovery is based on job insecurity, social division and falling living standards for most people.
Osborne said: "The only sustainable path to prosperity is to reject the old quick fixes and stick to the course we have set."
He admitted there had been controversy as to whether GDP growth had been lower than he and the Office for Budget Responsibility (OBR) forecast, saying there were two competing analyses: "The first is a simple – some would say simplistic – story that lays the blame mainly or sometimes entirely on fiscal consolidation by the government."
These fiscalist advocates of plan B, Osborne says, claim that with interest rates at their lower bound, the fiscal multipliers – the impact of spending cuts and tax rises on output – have been much higher than anticipated, and the resulting impact of the consolidation on GDP growth far greater than forecast.
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The counteranalysis advanced by supporters of Osborne's plan A is that fiscal consolidation has not had any greater impact than originally allowed for in the OBR's June 2010 forecasts.
Osborne argues that plan A led to lower than expected growth not because of spending cuts, but mainly due to "external inflation shocks, the eurozone crisis and the ongoing impact of the financial crisis on financial conditions".
Osborne said the OBR agreed with the Treasury that the effect of multipliers on UK growth had not been bigger than its original estimates. "Proponents of the fiscalist story cannot explain why the UK recovery has strengthened rapidly over the last six months. The pace of fiscal consolidation has not changed, government spending cuts have continued as planned, and yet growth has accelerated and many of the leading economic indicators show activity rising faster than at any time since the 1990s.
"If the fiscal multipliers were much higher than the OBR estimates, as the fiscalist story requires, this should not be possible. Indeed, proponents of the fiscalist analysis predicted that stronger growth would only return if the government changed course and reduced the structural pace of consolidation".
The chancellor argues that the impact of cuts is likely to be relatively low in an open economy with a floating exchange rate and independent monetary policy. He also asserts that the UK's pace of fiscal consolidation, at around 1% of GDP per annum, is line with the G7 and G20 average and the IMF's guidance for developed economies.
The main remaining external risks to recovery are "the slowdown in emerging markets, the possibility of further turbulence in the eurozone, and the risk that instability in the Middle East will push up oil prices".
, a personal shopping site that presented today on the TechCrunch Disrupt Battlefield stage, is hoping to catch the eye of that particular demographic of men who would rather do anything else in the world than shop for clothes. Founded in early 2012, the site helps guys outsource this task to personal shoppers, who can pull clothing recommendations from any e-commerce site they want.
Originally London-based but now located in San Francisco, BRANDiD was founded by brothers Ankush and Arush Sehgal and Nicolas Kermarc, the CEO and engineers, respectively. The company that year and received $175,000 in funding. They are currently raising a seed round, the amount of which the team declined to disclose. http://chanel.casarrubiosmia.com/%E3%82%A2%E3%82%A4%E3%82%A6%E3%82%A7%E3%82%A2
“We did all our alpha testing back home [in London] which is a notoriously difficult market to crack,” Ankush said. “When we began to show real traction there that’s when we knew we were ready to take on the US market.”
BRANDiD is currently available only in San Francisco and by invitation in order to balance supply and demand and ensure customer service, Arush said. The company will be releasing an iOS app later this year and looking to make hires in technical and community positions.
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While a number of men’s e-commerce sites focus on customers who know fashion, BRANDiD is targeting the average Joe, who wants to look good but doesn’t really know how to get himself there. Converting that demographic into BRANDiD customers means making shopping ridiculously simple, from the selection process to the returns.
With personalization as the hot button topic in e-commerce, BRANDiD represents a subset of startups betting on a mix of data and human advice to keep customers coming back, rather than the solely algorithm-based recommendations that have become ubiquitous on other sites.
There are a number of good reasons to do so: data points won’t create an outfit that sings as well as a human eye does, and people are a more compelling sales force, especially when you grow to trust them. For those used to shopping offline, interacting with a salesperson is the most natural way to shop.
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For those reasons, and the all-important laziness factor, BRANDiD is working hard to build a model with conversation at its core.
“It’s completely designed around the conversation. We threw away what we knew about e-commerce and completely focused on the conversation, which is live chat,” Ankush said.
On entering the site, customers go through an onboarding process powered by “M.A.L.E.” (BRANDiD’s Masculine Algorithmic Learning Engine). They answer multiple choice questions about their clothing preferences and check a “hit list” of clothing items that they need. That data is used to match the consumer to a shopper who best suits his style.
From there, the customer is put directly in touch with their “S.W.A.T.”(Specialist Wardrobe Augmentation Technician), and the two can connect over Facebook to talk about their options. When BRANDiD’s app launches later this year, it will include in-app messaging for S.W.A.Ts and their clients.
BRANDiD is looking to make itself especially appealing on returns, one-upping the free-shipping-label-included model that e-commerce sites like Asos to Warby Parker use to make things easy on their customers. Starting in San Francisco, BRANDiD will come pick clothing items up if they don’t work out, no paperwork needed. Want to leave it with the doorman at your office building? Totally cool.
With the tag line, “Kick shopping’s ass,” BRANDiD is going for a decidedly bro-friendly vibe. An onboarding question asks, “Who would win in a fight?” between Harry Potter and Tony Montana. The correct answer is Montana.
The site has a lot of personality, and it isn’t for everyone, the founders said. But those who like it will like it a lot, and they would rather build a smaller base of rabid fans than try to appeal to everyone.
“E-commerce traditionally was for women. They like to shop, learn about fashion, and they’re on the site longer,” Ankush said. “With guys this doesn’t work at all. If you look at the Gilt Man, there are zero comments on it every day. Everyone else was going after this fashionista guy, but from our experience in retail and serving men, we really know that when it comes to shopping what they’re interested in is they want to get their stuff and get the fuck out.”
BRANDiD also shooting to capture the vast majority of men who still shop in stores as they make the transition to online shopping.
“If you think about it, it’s an absolutely enormous market,” Ankush said. “The 93% of men who shop in stores, over the next five years, that is really going to shift online. Everyone knows about the death of retail. I’ve been in retail and experienced it firsthand. To make it a successful retail business, as That 93% is going to shift to more where women’s is. There’s a massive opportunity there. Those guys that shop will be shopping online. They need something that is made for them.”
S.W.A.T.s, who are selected by application, earn money on a 10% surcharge automatically added to purchases. Because many men shop in bulk a few times a year, the average tip comes out to a rate of about $20 to $30 per hour spent shopping. It’s enough to make for a good part time job, and BRANDiD is reaching out to local fashion schools like San Francisco’s Fashion Institute of Design and Marketing (FIDM) to find sartorially inclined candidates.
The personal shoppers can add products from any online retailer and customers buy through BRANDiD, meaning the site owns the credit card and the customer. Down the road BRANDiD aims to secure affiliate style deals with online retailers, a goal that the team sees as highly achievable given that the sale is a done deal once the customer has given the ok to an item of clothing. With e-commerce sites that simply forward the consumer to another retailer, there’s a good chance that the cart will get dropped somewhere along the way.
“We’re selling the retailers a guaranteed sale. It’ll take time for the industry to figure out what to do with that.”
The boundless universe, ancient and modern Chinese and foreign, a person no matter looks pretty ugly, have their own the most beautiful time.
His wife had looked in my eyes, I also never noticed she had a beautiful time. But I'm on a business trip, once half a year more, homesickness, anxious to return. Back at home in the morning, his wife bleary-eyed, but at the sight of me, suddenly flashing eyes, flushed cheeks, shy like a little girl, I just found that his wife was very beautiful. Can't help but blurt out: wife you are so beautiful! What wife embarrassedly say: be loquacious, long-term partners.
Nowadays the newspaper possesses considerable value Everybody should read it. It supplies us with a variety of news every day. It tells us the political situation of the world. If we form the habit of reading the newspaper, we shall (will) get enough knowledge to cope with our circumstances.
