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U.K. Bonds Tumble as Housing Data Point to an Improving Economyby
Timing of first rate increase brought forward: money markets
Pound heads for second consecutive annual gain versus euro
U.K. government bonds declined, pushing 10-year yields to the highest level since November, as the biggest jump in house prices in eight months signaled that this key sector of the nation's economy remains resilient.
The extra yield, or spread, that investors get for holding 10-year gilts instead of German bunds increased. U.K. securities have lagged behind their euro-zone counterparts this year as the Bank of England debates when to start raising interest rates, while the European Central Bank expands the monetary base through asset purchases and cutting borrowing costs. This policy split has also supported the pound, which climbed 5 percent versus the euro in 2015.
The Federal Reserve raised U.S. interest rates for the first time in nearly a decade this month, and market pricing signals that the BOE will follow before the ECB. Forward contracts based on the sterling overnight index average, or Sonia, price in a quarter-point increase to the U.K.'s 0.5 percent main rate next November, compared with the first quarter of 2017 as of Tuesday.
"We are slightly bearish" on gilts, with yields likely to rise in the New Year, said Jason Simpson, a strategist at Societe Generale SA in London. "The more natural thing is to be bearish. It's similar to coming into 2015, but the difference is that the Fed is raising rates. It's finely balanced."
Yields Rise
The benchmark 10-year gilt yield rose nine basis points, or 0.09 percentage point, to 1.99 percent as of 4:17 p.m. London time, after reaching 2 percent, the highest since Nov. 17. The 2 percent bond due September 2025 fell 0.795, or 7.95 pounds per 1,000-pound ($1,484) face amount, to 100.075.
The securities yielded 136 basis points more than German 10-year bunds, nine basis points more than on Tuesday.
The pound strengthened 0.2 percent to 73.57 pence per euro, set for a second straight annual gain. Sterling rose for the time in three days versus the dollar, climbing 0.2 percent to $1.4840. The U.K. currency has fallen almost 5 percent against the dollar this year, adding to 2014's 5.9 percent slide.
The average price of a U.K. home rose 0.8 percent in December to 196,999 pounds, Nationwide Building Society said in a statement.


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Andrew Dillon
Designing Usable Electronic Text: Ergonomic Aspects of Human Information Usage
Книгу можно купить в интернет-магазинах:
· OZON.ru 5835р. [Проверить наличие]
ISBN: 074840113XИздательство: CRC Press
Poor design and a failure to consider the user often act against the effectiveness in online communication. Designing Usable Electronic Text, Second Edition explores the human issues that underlie information usage and stresses that usability is the main barrier to the electronic medium's campaign to gain mass acceptance. The book is a revision of the successful First Edition with a new emphasis on the Web and hypertext design and their impacts. With the emergence of new uses of information, such as e-commerce and telemedicine, text presentation will take on a new and greater importance. Its focus on the design framework and its empirical approach make it a unique book.
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subset: commoncrawl


text:
Most 25 to 35 year olds suffer a quarter-life crisis
Feel stuck in a rut? Join the over 25 club! Research shows today's young adults are riddled with self-doubt and feel panicked so much so they're suffering from what's been dubbed a 'quarter-life crisis'
If you fall into the 25-35 bracket you may be familiar to feelings of life inadequacy. If this sounds like you, you're not alone. Many young adults are now in a time of panic and self doubt as we're privileged with having so many choices in our lives we don't know which option to take.
According to Dr Oliver Robinson, a researcher at Greenwich University, people are experiencing the symptoms associated with a mid-life crisis earlier than before. Such symptoms include anxiety, depression and a sense of being trapped or 'locked into' a marriage or a job that doesn't feel right. Dr Robinson cites fluidity in formerly more rigid structures as the cause of the crisis. People change jobs more frequently, there are alternatives to marriage and we can choose to change our lives whenever we wish. This lack of structure in the modern world gives us more choice but also less security.
It's also pressure that's making us feel a sense of being 'lost', 'People are feeling a frenetic need to get a job, make money and be successful quickly,' said Dr Robinson. People in their 20s and 30s want it all, we're not happy with conventional life. But it's not all bad news: while the quarter-life crisis may mean you re-evaluate your life choices and can feel unsettled, experiencing it as a young adult will prevent you from feeling it later on so it's unlikely you'll suffer from a mid-life crisis.
And if you are feeling frustrated and lost, once you make positive changes Dr Robinson believes post crisis, your lifestyle will be 'intrinsically healthier than what you had before.'