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Is the US Housing Market Slowing Down?

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There are signs that the US housing market, buoyant for several years with prices soaring, is slowing down as even properties in popular ‘hot spots’ such as Seattle, parts of Texas and Silicon Valley are taking longer to sell and sometimes not making their asking prices.

Economists predict the overall gain for property prices across the US will only be five percent for 2018 and will be down to three percent in 2019. The rise of home improvements – well over $300 billion is being spent on various house remodeling projects per year – show Americans are staying put and improving their present home rather than moving.

Versatile, top quality home improvements and ‘add-ons’ such as attic and garage conversions, and easy-to-install storage such as weatherproof prefabricated sheds that can add more space in a matter of hours, are giving people the chance to increase space in and around their properties for a fraction of the costs of moving home.

Pricing and interest rate rises

What has slowed the market?

Accelerating house prices – they’ve finally outstripped house buyers’ ability to afford them; rises have mostly been fueled by hitherto low housing stock in hot markets such as California and the Miami area.

Interest rate rises – recent interest rate rises make it not only more difficult for buyers to afford the repayments on what is likely to be a high mortgage, but have caused confidence to dip as people wonder if more are on the way.

Not a full blown slump

Many analysts, including Nobel Prize winning economist Robert Shiller – who predicted the ‘dot com bubble’ bursting back at the turn of the millennium – don’t predict a big downturn like that experienced during the financial crisis of 2008.

They’re saying it’s more a sign of demand naturally tailing off for a while as the market corrects itself and housing stock increases. It certainly has done in property hot spots such as Seattle where supply rose by well over 20% compared to late 2017.

Confidence has waned somewhat in the property market; even though the US economy is doing well only some 65% of Americans consider it a good time to buy – the lowest percentage since the world wide slump of 2008 when the property market was severely affected.

Certain areas such as Alabama are actually seeing property sales rise as these are areas that are still relatively affordable compared to the likes of California, where prices still make it hard for people to buy.

House builder stocks falling

An indication that all is not well in the housing market is the significant fall in homebuilding company stock values: overall stocks are down 21% this year, so very much in 2008 recession territory and worthy of caution.

Good for investors but less good for buyers

The lowering of prices and the rise of housing stock makes it good news for investors as properties offering decent yields may become reality again.

Ironically, a strong economy allied to low unemployment – the lowest since the late 1960s – increases the risk of interest rates continuing to rise as the Federal Reserve tries to keep inflation under control. That has the consequence that confidence is lower for potential house buyers, as is their ability to buy.

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Student @ Advanced Digital Sciences Center, Singapore. Travelled to 30+ countries, passion for basketball.

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Ensuring The Best Quality For Your Customers

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Best Quality for Customers

For all businesses big and small, customer satisfaction should be the number one goal, as they’re the ones who make everything possible. Without customer satisfaction, you’re going to see sales decrease, and it’s going to be hard to operate with efficiency! There’s a lot you can do to ensure that your customers are satisfied, and it doesn’t hurt to put in that extra effort to make sure of it!

Data security

Data security is very important for many reasons, but most importantly you want to make sure customer information is not at risk! It’s a legal requirement to protect the sensitive information of customers and employees, and you’re likely going to lose sales if you have a data breach. Make sure that all of your data is secured and away from people with ill intent, else you’ll be risking your reputation and the trust of your audience!

In-house guarantees

If you work in retail, the only way you can ensure customer satisfaction is from product testing, and making sure everything is the quality you want it to be! Whether it’s by tasting products as a food retailer or making sure customers are getting what they pay for. If you sell by weight, consider investing in some scales to make sure you’re selling what you advertise – ones like these: https://www.arlynscales.com/scale-knowledge/industrial-weighing-scales/. You don’t want any mixups with customer satisfaction, and many brands have faced criticism for inaccurate advertising.

Promotions and loyalty cards

Loyalty cards and promotions are a great way to reward your customers for buying from you, they allow you to give back to the customer for their repeating patronage! Make sure to set it up so that you don’t lose out, while also giving back to your customers – you’re trying to please the customer, not sink the business!

A lot of businesses offer credit instead of a loyalty card, finance that can only be used in their stores, encouraging them to come back and buy from you again! These deals are great for building lasting relationships between you and your audience, and should be used by every retailer if they can afford it!

Customer feedback

Allowing customers to give feedback is very important if you’re trying to please them, as they can tell you exactly what you did wrong and how you can do better! A lot of businesses do this through their website with a review feature, allowing them to collect data on their customers and find a general consensus on what the audience wants. It’s never bad to hear what your customers have to say, and you might end up pushing yourself a little closer to success with each change based on customer complaints! You can read more at https://survicate.com/customer-satisfaction/tips/.

You can’t please every customer, but trying to please the majority of them is what’s going to help you climb closer to success. Trying to keep an honest relationship with your customers, and not driving your prices up too high is important if you want to keep loyalty between you; people can tell when they’ve been overcharged – and that’s not something you want!

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Where can I find Ray-Ban’s online spare parts?

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Rayban lenses parts

It has been many years since the aesthetics and fashion sector came to the world of eye wear. Especially in the case of sunglasses. Great brands and designers began then to work to launch to the market interesting models that have conquered the public of the whole world.

One of the most iconic examples is that of Ray-Ban. The American company has been launching sunglasses that are recognized by almost anyone for almost one hundred years. This makes them coveted examples with a high average price, so it is not pleasant that Ray-Ban glasses break and cannot be repaired.

Fortunately, nowadays it is easy to find Ray-Ban replacement parts online in a simple way and without this entailing a great economic expense. And what is so positive about this? In short, you can extend the life of a pair of glasses of this brand to infinity and thus amortize the investment.

Spare parts for all types of glasses

As easy as finding the right store on the Internet, knowing the model of glasses you have and looking for the part you need: replacement lenses for Ray-Bans, screws, Ray-Ban temples or even frames for the most serious accidents. You can find practically any type of part of this brand on the net at affordable prices!

In addition, these reference stores include the possibility of getting other types of lens-related accessories such as Ray-Ban sunglass cases. In this way, you can replace any element related to the optics that is broken, damaged or simply aged. Any of these problems has nowadays an immediate solution and very interesting thanks to reference webs in the sale of spare parts.

Unbeatable price

Options such as Replacementlenses are suitable for all types of Ray-Ban brand consumers for quite a few reasons: their unbeatable prices, the quality of the materials, and compliance with all U.S. brand guarantees.

This has made the web, which allows to receive the orders comfortably at home and in a very short time, become one of the favorites of the ‘Raybanmans’. There are people who are truly addicted to the aesthetic lines of the brand and who acquire different types of frames and brands for each look.

Thus, the Ray-Ban glasses have become a real fashion accessory to combine with the tie, suit, hat or socks every day. And this is partly possible thanks to the possibility of finding spare parts and accessories at very affordable prices in Replacement lenses.

There is no longer any doubt when buying a Ray-Ban: it will become one of the best investments made in terms of optics and eye care, while providing a touch of distinction and beauty on a daily basis. And, in case of any breakage, customers know they can get Ray-Ban spare parts quickly and at very reasonable prices.

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Protect Your Business, Because It Deserves It

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protect your business

Your business deserves your attention. From the premises itself, to the information you store. video surveillance systems are vital for any company.

Most business owners transfer information online, from computer to computer. Protecting your business’ DATA through business information security will protect it from theft, virus corruption or hardware damage. If in the past, business information was stored on top of documents that the business kept in manual folders, today every manual folder has become a computer folder.

Did you know? Some important data that is going to surprise you

90 percent of small and medium-sized businesses do not employ a professional IT team that provides information security and IT services to businesses , while almost 40% of cyber attacks are aimed specifically at those businesses that do not use information security services. 60 percent of businesses that have indeed experienced hacker attacks or information security breaches will not survive and close the business after a period of time.

When we think of a cyber attack or hacking of home business computers, we usually say in the same breath, “It will not happen to us,” or “It usually happens to companies that have not updated their antivirus ” or “Information security and cyber are not critical for us.”

Therein lies the mistake

Often, beyond the confidential information stored on the company’s servers, there is a lot of material that is usually not thought of when it comes to a cyber attack. This is everyday material that we work on in a business or organization – documents, photos, various files and more. Imagine what would have happened if tomorrow morning you had come to the office and discovered that all this information is becoming encrypted. Your files cannot be accessed again, a virus with an unknown name has a computer room, and in order to release the essential information you will have to pay a ransom to the encryptor. Companies that do not take care of the security of their information can cause themselves very serious damage in the long run.

A cyber attack occurs by an outsider, in order to achieve one or more of these goals:

Spyware and surveillance – a very common target among attackers, whether for the purpose of gathering competitive information or for the purpose of gathering important intelligence information about the business. Here are two examples of what could happen: 

Information Collection – Many companies collect information about potential customers, for example: age, gender, area of residence or consumption habits. This information will sometimes come in an illegitimate way, such as by hacking into a computer or by eavesdropping.

Ransom – Virus ransom designed to lock the computer files, so whose husband will have access to them.

Will a firewall help?

Firewall – A firewall is actually a secure business router that provides complete protection to the business from external attacks. The business router is actually the bodyguard of the business, only through it can one choose who will have access to the important information and who will not. The firewall on your computer securely protects your corporate network through an encrypted Internet connection that runs through firewall software, so all information is checked and scanned for any threats.

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