Increasing Consumer Confidence
The Conference Board's index of Consumer Confidence improved to 49.5% from a considerably upwardly revised level of 48.7 in October. Originally, the October level was at 47.5%. Consensus expectations were for the consumer confidence level to actually fall to 47.5%. The index saw a big upturn from dismal levels during the spring, but since May consumer confidence has roughly hovered within a few points of 50.
All of the improvement came from the expectations component of the consumer confidence index rose to 68.5 from 67.0 last month. However, that was because fewer consumers thought things would get worse, and would stay unchanged (at a very bad level) rather than due to an increase in those who thought things would actually get better over the next six months. The percentage expecting an improvement in business conditions over the next six months actually declined to 20.0% from 20.8%. However, the decline in those expecting further decline in the economy fell to 15.1% from 18.2% last month.
What is Your Relationship With Work?
“If society be held desirable, it surely must be free, equal, and reciprocal society, where benefits are conferred as well as received, and not such as the dependent finds with his patron or the poor with the rich.”
–Thomas Malthus
“An Essay on the Principle of Population,” Chapter 4, 1798.
“Still men accept servility in order to acquire wealth; as if they could acquire anything of their own when they cannot even assert that they belong to themselves, or as if anyone could possess under a tyrant a single thing in his own name.”
–tienne de La Botie
“Discourse on Voluntary Servitude,” 1548.
How Do You Look for an Insurance Agent?
Unless you have no intention of expanding your insurance business, you need to have an insurance agent, but how do you exactly make sure that you are getting the best one for your company?
Make sure that you can look for the following characteristics in your insurance agent:
Education
You can always look for someone who does not have any undergraduate degree, but you may be finding it hard to train him or her. This is because there could be concepts that would be so difficult to explain. When it comes to education, it would be better if the insurance agent is a graduate of economics, finance, or business management. Of course, it is a lot better if he or she has a masters degree. You may also look for someone who has graduated from mathematics, accounting, and public speaking.
