How about writing a note to someone...
Posted by Kim MacDonald on
Hi there, If you who have received an order from me this year you might have got a wee hand written note. I just love stationary products and have been trying to use a different notepad each month,- until covid-19 happened and I couldn't go out and shop for them!
So, to solve that problem I have found a great supplier who has lots of gorgeous notepads. This means that I can now stock a selection for you to use too. Just go to our Giftware page on the website to see the current selection.
Who doesn't like receiving notes? Especially on nice notepaper with pictures.When I was growing up my mum used to write notes and put them in my lunchbox or leave them in the kitchen with a reminder to do something for her,- I think I was much happier to do things when she left me a note with a little bunny drawn on it because my nickname was "little rabbit" in Hungarian.
In our house when I go away, or my husband is away, we sometimes leave a little note tucked in the bed so when the person goes to bed alone they find a little "I love you" note,- even nicer if it has a chocolate bar with it!
I hope you enjoy the notepads,- some of the first collection have been inspired by designers we know in the quilting world, like William Morris. I will be adding a few new products to our Giftware page at the start of each month. So,- if you have any ideas of what you and your friends like please let me know,
happy note writing, Mrs MillyMac
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Job losses
But what about the impact of tariffs on job creation? Surprisingly, an increase in import taxes has been found to result in slightly more unemployment across countries.
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An example provided by Irwin at Dartmouth College points to one plausible explanation — and it has to do with the steeper cost of imported goods.
“A number of studies have shown, on net, we lost jobs from the (2018) steel tariffs rather than gained jobs because there are more people employed in the downstream user industries than in the steel industry itself,” he said.
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A study by the Federal Reserve Board found that a rise in input costs resulting from US tariff hikes in 2018-19 led to job losses in American manufacturing. The damage from those higher expenses was compounded by retaliatory taxes on US exports, more than offsetting a small boost to manufacturing employment from US tariffs — at least so far, the 2024 paper said.
Retaliation by other countries is indeed another danger of pulling the tariff lever. Higher tariffs on American exports would typically raise their prices for foreign consumers, hitting demand for the goods in many cases.
When Trump announced new tariffs this year, America’s major trading partners were quick to strike back with their own levies, although the US then agreed a temporary truce with China and the European Union.
Costs of free trade
While economists generally agree that free trade has benefited the global economy in recent decades, they acknowledge that it comes with certain costs.
One is the loss of jobs in communities that are particularly exposed to new competition from foreign manufacturers.
That is similar to the impact of technological progress on workers. “Manufacturing jobs as a share of the labor force have come down everywhere. It isn’t a US-specific story,” said Gimber at JPMorgan Asset Management, pointing to automation.
He drew a parallel between helping workers affected by higher imports and what is known as a just transition — the idea that the drastic changes needed to move toward a greener economy should be fair to everyone and minimize harm to workers and communities.
In both cases, providing workers in impacted industries with new skills or retraining them could be key, Gimber said.
Another potential cost of free trade is dependency on far-flung manufacturers. That took on new relevance during the pandemic, which snarled global supply chains, contributing to shortages of products such as face masks and respirators in the US and elsewhere.
However, economists do not typically see tariffs as a good way to build up domestic manufacturing, Fatas at INSEAD said, noting that subsidies for specific industries are viewed as a better tool “because they work more directly.”
But perhaps the strongest argument in favor of free trade is its importance to maintaining peace between nations.
As Gimber’s colleague David Kelly noted in March, closer trade relations give countries more to lose in any conflict.
Prestamo en criptomonedas
El tema del articulo son los criptosaimes, tanto centralizados como descentralizados. Vamos a decirnos cual es la diferencia entre este tipo de criptocredito y como pedir un credito con garantia de criptomoneda.
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Como tomar un credito de cripto sin garantia y sin garantia
Los cryptosaimes son un servicio que permite el credito con garantia de criptomonedas, ya sea dinero filmico o establocinas u otras monedas digitales. Se trata de un mercado en fuerte crecimiento, especialmente en los ultimos dos anos, en el contexto de la promocion de servicios y servicios financieros descentralizados. Tambien se conoce el termino «kripto-lending», que no solo permite obtener prestamos, sino tambien ganar dinero con los bienes criptoactivos que no se usan, dandolos a un porcentaje.
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Tipos de cripto-lending
Se destacan dos tipos de prestamos, centralizados y descentralizados. La diferencia principal es quien procesa el proceso de credito y endeudamiento; Una empresa o un protocolo automatizado.
Los prestamos centralizados se basan en empresas que controlan totalmente el proceso, fijan tipos de interes, utilizan un sistema castodial de proteccion de activos (guardan todas las divisas digitales y filmicas en sus cuentas) y recogen informacion sobre los usuarios. Esta ultima se realiza mediante la verificacion KYC/AML. Ademas, los lugares centralizados de trabajo celebran acuerdos de credito individual con cada cliente y pueden establecer asociaciones con otras organizaciones.
Los prestamos DeFi son diferentes. Se gestionan con un conjunto de protocolos basados en contratos inteligentes que automatizan la distribucion de creditos, la instalacion y el pago de tipos de interes. Como regla, las plataformas DeFi no custodiales, no exigen KYC y son concentrados solamente en criptomonedas, y no al fiat. El usuario puede almacenar sus activos sin confiar en ella, por ejemplo, utilizando un «pen drive» para almacenar la criptomoneda.Los tipos de interes varian segun la demanda y la oferta del mercado; Sin embargo, suelen ser inferiores a las tasas propuestas por las plataformas centrales. DeFi Prestamo en criptoprestamos son mas transparentes, puesto que cualquiera que desea puede estudiar la informacion sobre las transacciones en los blokcheyn-comentadores accesibles.
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