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Trump Says Fed Should Reduce Rates to ‘Zero, or Less’



Federal Reserve Chairman Jerome Powell


Manuel Balce Ceneta/Associated Press

WASHINGTON—President Trump renewed his call for lower interest rates and his criticism of the Federal Reserve Wednesday, saying on Twitter that the Fed should reduce rates to “ZERO, or less.”

He said the U.S. should always be paying the lowest rate and complained that the “naivete” of Chairman

Jerome Powell

and the Fed means that this was a “once in a lifetime opportunity that we are missing because of ‘Boneheads.’”

The Fed couldn’t immediately be reached for comment.

After cutting their benchmark interest rate in July by a quarter percentage point, Fed officials are gearing up to cut rates again, likely by another quarter point, at their Sept. 17-18 policy meeting.

Mr. Powell, who has defended the Fed’s independence from political pressure, framed the July decision to lower the Fed’s benchmark short-term rate to a range between 2% and 2.25% as a “mid-cycle adjustment.”

The global growth and trade outlook has deteriorated since then amid an escalation in the trade war with China.

The president said last month that the Fed should cut its benchmark interest rate by at least a full percentage point and resume its crisis-era program of buying bonds to lower long-term borrowing costs. Such moves would typically be considered only when the economy faces a substantial downturn.

President Trump and White House officials have said they don’t believe the U.S. is headed toward a slowdown, but also have floated other ideas, such as tax cuts, to boost the economy.

A rate cut of the magnitude Mr. Trump is calling for hasn’t happened since the global financial crisis in late 2008.

In comments last week, Mr. Powell said the U.S. economy faced a favorable outlook despite significant risks from weaker global growth and trade uncertainty.

Write to Catherine Lucey at

Copyright ©2019 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8


Subscription Companies Make Quitting Easier




Companies that sell subscriptions to products—everything from razors and high-fashion clothing to pet products and meal kits—are locked in fierce competition.

To make their wares more appealing to customers, some companies are executing a counterintuitive twist on that strategy: They are making it easy to quit.

ClassPass Inc., which has a monthly subscription service that gives users access to exercise classes at a variety of gyms and studios, is phasing out a live-chat feature that customers have had to contend with when they cancel.

The chat was partly designed to encourage customers to find a better plan that they might not have been aware of before signing off for good, according to

Lauren Cowher

Hill, director of global customer experience at ClassPass.

But the company is rolling out technology to automate its cancellation process, Ms. Cowher Hill said, with the goal of making it available to all global consumers in the coming months.

“We know the ability to pause or make changes to a membership is something our members deeply value,” Ms. Cowher Hill said. “And this isn’t just true for ClassPass. Globally, there is a growing desire for a frictionless cancellation flow, especially for subscription services, and we’re proud to be making strides to deliver that.”

ClassPass is using what it learned from the live chat process to inform its automated cancellation system, she said.

Many companies have used onerous policies and processes to keep customers past trial periods and discourage them from canceling later, according to Robbie Kellman Baxter, a consultant specializing in membership models and subscription pricing and author of a forthcoming book, “The Forever Transaction: How to Build a Subscription Model So Compelling, Your Customers Will Never Want to Leave.” But that isn’t a winning long-term strategy, she said.

“If you’re trying to have a long-term relationship with your customer and you’re kind of sneaky with the terms, you’re not going to be generating trust,” Ms. Baxter said.

Some companies have also been called out for difficult cancellation rules.

Rent the Runway subscribers can now pause or cancel memberships by sending a single email.


Shannon stapleton/Reuters

The Honest Co., a consumer-goods company co-founded by actress

Jessica Alba,

was criticized in 2016 for making subscribers call on the phone before they could cancel. It changed its policy that December to allow cancellation online.

Last year, Rent the Runway began letting subscribers to its fashion service immediately pause or cancel memberships by sending a single email. It previously required members to call or email a “Membership Concierge,” which had drawn complaints for sometimes replying slowly.

The company made the change to make things easier for members, but a representative noted another benefit as well: It lightened inbound calls to the customer service team.

Easy cancellation policies could actually help businesses lure in more subscribers and encourage more customers to come back if they have left, said Peter Fader, a professor of marketing at the Wharton School of the University of Pennsylvania. Such policies, he says, make the subscription experience more personal by making customers feel fairly treated.

That could help the subscription companies’ broader efforts to make recurring shipments and automatic charges feel less transactional and more like membership in a club.

Harry’s Inc., the subscription razor service that also sells products in retail stores, last May launched what it describes as a “core membership” program that costs $15 a year, giving customers discounts when they shop online as well as free engravings and access to limited-edition products. It started the program because customer feedback indicated a desire for specialized services, according to

Kalpana Ganti,

head of digital product at Harry’s.

Harry’s says it has converted 57% of subscribers of its basic monthly plan to a new “core” membership program.


Bebeto Matthews/Associated Press

The company has converted 57% of subscribers to its basic monthly plan to the new membership program, Ms. Ganti said.

Harry’s said customers can cancel either through—by clicking a button on their profile—or by getting in touch with the customer support team via phone or email.

Personalized services and other membership touches help companies connect with customers who are increasingly subscribing instead of making individual purchases, said

Tien Tzuo,

founder and CEO of Zuora Inc., a provider of software for subscription companies. Companies that offer membership services are trying to project a broader lifestyle that will appeal to customers and add value beyond the product itself, Mr. Tzuo said.

Brightly marked, easy exits could become an essential feature of membership models, according to

Greg Alvo,

founder and CEO of the subscription software company OrderGroove Inc. His company’s clients include

GNC Holdings Inc.,

which upgraded its interface last May to make it easier for customers to modify or cancel their subscriptions.

Making quitting simple could even become the law. A 2018 California regulation began requiring companies that let consumers subscribe online to also let them opt out online. “We think this is a precursor to more consumer protections to come,” said

Guy Marion,

chief executive officer and co-founder at Brightback Inc., which offers automated customer retention software for subscription companies.

“Subscription businesses are in the midst of exploring how to best transition their cancel experiences online, reflecting both the shifting consumer expectation and new regulatory requirements,” Mr. Marion said.

Copyright ©2019 Dow Jones & Company, Inc. All Rights Reserved. 87990cbe856818d5eddac44c7b1cdeb8


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App Store Optimization in 2020




In mobile, there are two fundamental ways how people discover mobile apps – via ads or built-in search. The latter marketing channel is what the App Store Optimization technique was developed for – to make mobile apps better discoverable by specific keywords, whenever people pull out their smartphone to look up for a new app.

Perhaps one of the most well known stats about search on app stores is that it commands around 65% of all app installs and to take advantage of that major channel you need solid knowledge what works and what don’t in ASO today.

This webinar from Gummicube will lay out for you what you need to know about App Store Optimization to drive more installs for your app and ultimately increase your app revenue.

The webinar will be lead by Dave Bell, CEO @Gummicube

Dave Bell is an entrepreneur and recognized pioneer in the fields of mobile entertainment and digital content distribution. He has been featured in and is a frequent contributor to Inc. Magazine, Newsweek, VentureBeat, Website Magazine, Mobile Marketer, Mobile Retailer and numerous other publications.

In this Webinar you will learn:

  • what ASO actually involves and what needs to be done to make it successful
  • how to set realistic expectations and goals from ASO
  • how most ASO tools they are using may be hurting their ASO
  • why ASO is not the SEO for apps

Sign up here  and tune in on March 5 on 9 am PST.


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सिर्फ़ 12000 में शुरू करें, Small business ideas, New business ideas 2020, Shirt Wholesaler in Mumbai



Namaskar Dosto,

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