Tag: 上海居家gm

  • Prep and landing for the next recession

    first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr We have no crystal ball. Any good economist will tell you they can’t predict the future either. They are really good at explaining what has happened, which is why we turn to them for the best forecast for what may come next.What we do know is the last recession ended in 2009, and the timing between the past three recessions have been between seven and 10 years. It’s now 2019.Before you batten down the hatches, this is not a time to cut advertising. Now, hear us out. We realize we’re in the marketing biz, but there’s some cold, hard truth here. During an economic downturn, people hunger for information. They are confused, angry and frustrated. Your brand’s tone and positioning – including the lack thereof – will influence consumer behavior.You’ve worked hard to establish your mission, values and fundamental goals of service. Do you want a reputation of abandoning your principles when the going gets tough? Of course not. It pays to maintain open communication. Uncertain consumers are looking for reassurance. continue reading »last_img read more

  • Matt Jarvis hopes to get frustration out of his system

    first_img The Canaries were beaten 2-1 at home by Leicester before the international break, which was a first defeat in a promising run of four matches. Jarvis, on loan from West Ham, admits not having another game to quickly try to put things right has made it a difficult spell for those left at the Norfolk club’s training base. “As a group it wasn’t nice to lose before the international break as you have that feeling for two weeks,” Jarvis said. “We have had time to reflect on Leicester and want to put things right now.” Jarvis added: “We want to keep our away record going and have shown in games how well we can play. “Everyone can see how good the team is, but you have to be consistent too. “In every match this season we are looking to make a strong start to ensure the other team doesn’t pick up momentum, and Sunday is no different.” Jarvis has impressed since his deadline day loan move from West Ham, scoring twice in four appearances. The 29-year-old, however, is not about to rest on his laurels. “It has been a good start for me here,” he said at a press conference. Winger Matt Jarvis hopes Norwich can finally get a fortnight of frustration out of their system with victory at Newcastle on Sunday. “I scored quite a few for Wolves when I was in the Premier League with them, and it is one thing I have needed to improve on. “I have scored a couple at Norwich already, and hopefully I can keep that up. “We have got a competitive squad, so I know I need to maintain my form. “When you are given the chance to play you have got to take it.” Newcastle may be currently propping up the rest of the Premier League, but Canaries boss Alex Neil will not allow any complacency from his squad. “We want to make sure that we go about our business in the right way and hopefully put a really good performance in,” the Scot said on Norwich City TV. “Out of the 10 games we have played so far (in all competitions), we have done really well in eight. “That is a great ratio for us, but we will be looking to improve on that as well. “It is such fine margins by which you win or lose games at this level. “There have been a couple of games this season where I felt we have deserved to win, but we haven’t – and those four or five extra points would put you in a very different scenario.” Press Associationlast_img read more

  • Tuition hike near average among peer institutions

    first_imgWhen the USC administration raised next year’s tuition by $2,006, Emily Wan heard all the reasons for this change. Wan, a sophomore majoring in neuroscience, understood that the University needed to pay for increased student services and fund a large financial aid pool, all explanations Provost Michael Quick gave in a press release on March 1. But for Wan, the increase still caused financial difficulties.“There is a large portion of us who do not receive financial aid,” Wan said. “Of that large portion, a lot of us do not have the means of paying for it all [tuition]. A lot of us are not rich enough, wealthy enough to pay for the entire amount.”Although USC’s tuition increases are at a five-year average low, the anticipated 3.9 percent increase for the 2017-2018 school year is slightly higher than the average increases of 22 comparable universities across the nation. A Daily Trojan survey found that for the upcoming school year, the average increase in tuition at the universities will be 3.70 percent.These data indicate that USC’s increase is not unusual among its peer universities, and as a statement from the University pointed out, tuition only covers 78 percent of undergraduate education costs. But despite the use of this increase to fund student and academic services, in addition to instruction expenses, many students are still hit hard by higher costs and a lack of aid.Funding financial aidData from college websites Jenny Chung and Steven Kramer | Daily TrojanAccording to the College Board’s Annual Survey of Colleges, published in-state tuition and fees between 2006 and 2017 at public four-year institutions increased at an average rate of 3.5 percent per year beyond inflation. During the same time period, average published tuition and fees at private nonprofit four-year colleges rose by an average of 2.4 percent per year. USC’s increase is higher than the College Board’s findings and the average of the 22 universities surveyed. According to the University, this increase is due to rising costs for technology, salaries and academic services. “Along with most universities, our costs related to educating students increase every year,” the University said in a statement sent to the Daily Trojan on April 20. “Among those costs are instruction expenses — including faculty salaries and benefits — student services, and academic support. And even with the increases, undergraduate student tuition still does not cover the full costs of education.”In the March 1 press release, Quick stated that USC also hopes to mitigate costs for students through a large financial aid pool. The Financial Aid Office could not be reached to confirm whether increasing financial aid opportunities was the direct reason for the tuition hike. But although USC spent $528 million on financial aid in the last year, and over half of all students receive some form of financial assistance, many students still struggle to pay their expected family contribution every year. Struggling studentsSome students have even been forced to consider dropping out of school or taking a break from college because of USC’s steep price tag. That’s exactly what sophomore architecture major Steven Montoya had to do last semester after his family members realized they could not afford what the University expected them to pay. “After the financial aid package had been applied for my first year, I only had to pay about $2,000, but it turns out that amount is very hard to deal with for my family,” Montoya said. “It came to a point where having to pay that amount was too difficult, so I had to declare a leave of absence last semester.” Montoya declared the leave of absence as a last-resort option.“I didn’t [appeal the financial aid award] because I felt like I had done everything I could to help mitigate the costs,” Montoya said. “I feel like if I had asked them again, they would probably say something under the lines of, ‘You should consider private loans,’ which I definitely don’t want to do because of the interest rates being higher and because they don’t have the flexibility of paying them back like the federal loans do.” Montoya, who is switching from the five-year architecture program at USC to the four-year program, hopes that next year’s tuition increase does not put him in the position where he must take another leave of absence and further postpone his graduation. “With this recent financial aid increase, I guess it’s going to be a little harder for me,” Montoya said. “I really don’t want to have to  [take a leave of absence] again. It interrupts your whole academic path. Even though I am switching over to the four-year program, I know I am still going to graduate with the rest of the five-years. You have a certain pathway you’re going down, and with that leave of absence, you’re just like side-winded.” The absence of aidEven though Wan is in a different financial position than Montoya, she is also concerned about USC’s tuition increase for the 2017-2018 school year, because she has taken out loans to pay for her education. “I do not receive any financial aid from the school, nor do I receive any federal work-study or anything of the sort,” Wan said. “So the only money that I’m getting is loans that I’ve applied for and gotten and will be paying off for many years. Just because I do not receive any financial aid does not mean I can afford to pay the entirety of the tuition.” Wan represents the portion of students at USC who are not affected by the University’s goal of mitigating tuition costs with financial aid.“I am taking out a lot of loans, and by Nikias or the administration raising the tuition prices, they are basically just forcing me to pay more,” Wan said. Although Montoya and Wan are in different financial situations, they both agree that the University’s financial aid system can do more for students and their families. “The best thing for [financial aid] to do is to really be very sensitive to what families are going through,” Montoya said. “Every family, when they apply for financial aid, [is] going through hardships sometimes. You know, not everyone has the same income levels or the same degree of privilege.” Natalie Balladarsch contributed to this report.last_img read more