With the growing popularity of mobile devices equipped with instant internet access, retailers need to adapt to keep up. Making your retail site mobile-accessible allows you to reach millions of potential customers whose primary means of accessing the internet is through their mobile devices. If your site?isn?t?mobile-ready, you could be missing out on potential customers and sales.
There are a number of methods for creating a mobile website. Which option is right for you depends upon your retail specific needs, how much you?re willing to spend, and how well you avoid potential pitfalls.
Mobile Website Options
Knowing your needs, especially for browsing and purchasing, can help you determine which development option is best for you.
What are the specific needs of your retail site? Some sites can be converted to be mobile-friendly, depending on their size and how they are built.
How much are you willing to spend? Some sites, even though they function well on a desktop computer, don?t lend themselves to being converted to mobile. In that case, you may want to outsource the work to a reputable web design company with experience in building and optimizing product heavy mobile sites.
Ease of Use
You want your mobile site to be easy to use, both for you and for your customers. Whether your mobile site simply offers the bare essentials about your company or provides a plethora of products available for immediate purchase, it has to be easy to navigate.
Customers prefer to browse products that are displayed catalog style. If your mobile site looks cluttered or disorganized, this will reduce its effectiveness as a marketing strategy.
Near field communications (NFC) technology makes it easier than ever for customers to make purchases from mobile retailers. Consider adding this feature to your mobile site.
Potential Pitfalls
Having a mobile site is a great way to reach new customers and advertise your product, but if not executed properly it can also be detrimental to your business. High-speed wireless internet access has accustomed users to fast page load times. If your mobile site takes more than 3 seconds to load, potential customers will ?surf? somewhere else.
Test your mobile site on a variety of devices to ensure that it is compatible with various platforms and both older and newer phones. Nothing drives a customer away faster than glitches, broken links, and failed code.
Beware of object and java script, which drains both bandwidth and batteries and can interfere with customers? ability to receive calls while browsing.
Don?t forget to set up analytics software for your mobile site. Analytics software helps you optimize your site for turning high traffic into effective purchases.
Whether you develop your mobile site with a plugin, downloadable tool, conversion software, or outside web design company, it can directly increase your business? online presence and sales. Consider your site?s needs and your company?s budget before deciding on an option. No matter what option you choose, be sure that your site is easy for customers to use and navigate.
Megan Webb-Morgan is a web content writer for Resource Nation. She writes about small business, focusing on topics such as call center software and small business loans.?
A study has shown that Pollsmoor Prison in Cape Town, for example, has a 90% risk of transmission of TB. (Sydelle Willow Smith)
A recent report by the Judicial Inspectorate for Correctional Services (Jics) ? the government-appointed oversight body ? identified R71-million in wasteful expenditure and R215-million in irregular expenditure. There also appears to be confusion over how many prisons exist in South Africa.
According to the department's annual report, there are 243 correctional centres, but according to the report there are 236. The department has not explained the discrepancy.
About 17% of assaults in prison are committed by warders on inmates. The report said: "Inmates were assaulted with batons or shock-shields used in conjunction with water. Some are placed in single cells for days without food or basic amenities and some are transferred subsequently to avoid these cases coming under [the] scrutiny of the SAPS."
From 71 complaints against officials by inmates for assault, only one saw disciplinary action taken against the official. Last year the department owed R1.3-billion in damages to prisoners and former inmates, which included R976-million for "bodily injury/assault" and R4.5-million for rape.
According to Emily Keehn, prisons expert at the Sonke Gender Justice Network, this is worrying becuase there is no policy on the prevention of sexual violence in prisons.
"The department is paying inmates out millions in damages for rape but it is not taking proactive measures to prevent it from occurring," said Keehn.
Unnatural deaths There were 47 unnatural deaths in prisons last year, which included 12 cases of murder, four of which were as a result of violence by warders on inmates.
For 16 cases, the department was not able to supply the cause of the deaths because it did not have the post-mortem reports.
Suicide is still the primary cause of unnatural deaths in prisons.
"This is interesting when you compare it to the mental illness indicator which says that 98% of inmates who have requested mental health assistance have been treated," said Clare Ballard, legal researcher at the University of the Western Cape Law Clinic.
"If suicide is the major cause of unnatural deaths then you have to question the quality of this treatment," she said.
Lack of personnel At least 32% of prisons do not have a doctor or nurse on the premises. The department blamed this on a lack of available medical personnel and 17 centres had not received a visit from a doctor in the last three months.
The report also revealed that 804 prisoners had died "natural deaths". Included in this figure are 110 inmates who died from tuberculosis (TB), 74 from HIV/Aids and 76 from pneumonia. Many prisoners will have contracted these diseases in prison.
A study by TB expert Professor Robin Wood shows that there is a 90% risk of transmission of TB at Pollsmoor Prison in Cape Town. And prisoners suffering from multiple and extreme drug resistant TB are only segregated to prevent transmission in 40% of prisons.
Furthermore, with a high instance of sexual violence, 19% of prisons do not make condoms available to inmates.
Massive problem of remand detainees The report also exhibits the massive problem of remand detainees, who make up 30% of the population. Thirty-three percent of these unsentenced inmates had been held for six months or more. Many of these will be exonerated ? after a lengthy stay in prison.
The Jics report said while it was difficult to determine the extent to which the police made wrongful arrests, it was estimated that "in excess of 18?000 people per month were unnecessarily arrested by the police and consequently ended up in prison awaiting trial".
The department refused to answer specific questions surrounding the report.
Correctional Services Minister Sibusiso Ndebele, in a statement, said: "The department is currently implementing a turnaround strategy and plan to ensure improved financial management with respect to the identified weaknesses."
Ilham Rawoot is a fellow of the Open Society Foundation for South Africa. You can follow Ilham on Twitter.
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Have you seen the Hallmark Channel?s new show that launched Oct. 1, Home & Family, hosted by Paige Davis and Mark Steines? It?s two full hours every day of home improvements, crafts, parenting tips, lifestyle, health & fitness, and oh, so much more. Can you say ?dog pilates??
You haven?t seen it yet?
Well, here?s the deal.
Prepare for it. Because ?
Are you ready?
I am a guest on one of next week?s episodes.
I am truly all a-tither! Like a cowgirl in her first-pair-of-boots excited!
We?ll be in like Flynn.
On like Donkey Kong.
Rocking like Cheech and Chong.
My daughter, Meg, and food photographer, Ace, will accompany me to the City of Angels next week to assist me on-set (and cameo maybe) as we discuss Backyard Glamping from my new book, Glamping with MaryJane. Tune in, TiVo, or DVR your television sets for next Friday?s episode (the 19th)? from 7-9 a.m. Pacific Standard Time.
Don?t forget to set your T.V. dial.
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So says Dr.Duru (http://drduru.com/onetwentytwo/) in edited excerpts from his original article* on Seeking Alpha entitled The Case Against The Case Against Gold.
Lorimer Wilson, editor of www.FinancialArticleSummariesToday.com (A site for sore eyes and inquisitive minds) and www.munKNEE.com (Your Key to Making Money!), has edited the article below for length and clarity ? see Editor?s Note at the bottom of the page. This paragraph must be included in any article re-posting to avoid copyright infringement.
Duru goes on to say, in part:
First of all, the title is a bit strange. [The entire article can be read here along with another critique by Doug Eberhardt.] It implies that the author thinks that markets do exist where a good case can be made for gold. In fact, the author notes that ?historically, gold has been known as an effective store of value.? I would have thought such a statement would end the entire debate. Instead of course there are caveats: ??but this has gone in and out of favor?The only thing that has intrinsically changed is the perception of what the future might bring.?
The last time I checked, bonds fall in and out of favor as well, with valuations fluctuating along with perceptions about the future. Secular and cyclical rallies, dips, and crashes are innate features of the markets we use to trade assets. Arguing that gold has a different degree of troughs and heights does not put it in a class alone.
Who in the world is currently reading this article along with you? Click here
The rest of the article is full of these kinds of false differences (some repetitive). I use a problem vs. solution/comment format to highlight most of my remaining rebuttal.
Zack?s?Problem #1: ?Typically, when people fear the causes of inflation, currency debasement or other potential economic downfalls, many feel it is a good time to invest in gold. Not me.?
My Comment: I specifically like gold as a hedge against the devaluation of the currency. The author?s comments establish his position as anti-gold, but left me wondering whether this is a time when he would recommend buying gold.
?
Zack?s?Problem #2: ?I don?t see gold as a financial asset. Gold doesn?t generate any income, and it doesn?t pay a dividend. Thus I view it not as an investment but as a speculation.?
My Solution: For dividends, an investor can buy stock in a gold miner. My favorite gold miner, Goldcorp Inc. currently pays 1.2%. This may seem like trading 6 for a half dozen. However, if I look at Goldcorp?s gold as simply a product that gets bought and sold according to the supplies and demands of the market, then fundamentalists can analyze it just as well as any company. Very few companies sell products that last for generations. Gold has outlasted civilizations.
?
Zack?s?Problem #3: ?Gold?s value completely depends on other people to act in a specific manner for it to go up in price.?
My Comment: People make markets. People must respond to bearish and bullish arguments to make any price move. Gold is no different. Stocks also depend on other people to act in a specific manner for it to go up in price. Other people must believe in the fundamentals, the technicals, and/or the theme to buy the stock. I see no difference between that and gold.
?
Zack?s?Problem #4: ?Right now, countries around the world are trying to devalue their currency in order to improve exports and fight high unemployment. To some degree, real assets like gold should increase in price, but this idea is wholly dependent on people responding in a specific way to its inherent value, even when there?s no fundamental reason to do so?The high price of gold is completely reliant on people?s preferences. If those preferences change, the price of gold could fall dramatically.?
My Comment: This argument almost seems to contradict itself. This debasement has a potential impact on price levels throughout the economy, so it is enough of a fundamental reason to consider gold. Given gold?s relatively fixed supply, its value in paper currency fundamentally increases with the amount of paper that spreads across the land.
The author surprisingly admits that gold is ?a real asset,? but seems reluctant to accept that these debasements are a fundamental prop for price levels (including stocks!). Just like stocks, bonds, and land, people must respond in a specific way for value to get created: believe in the story of future earnings and cash flows, believe in the solvency of a company or country, believe that more and more people will find the location of your property attractive, etc. ? If people?s preferences for the multiples paid for earnings, for risk tolerances, or for location change, then, yes, even these assets will change in value.
?
Zack?s?Problem #5: ?Gold is something you can hold in your hand and it looks very pretty. Buying gold is very much like buying an antique or an expensive piece of artwork.?
My Solution: As they say, ?don?t hate me because I?m beautiful.? Buying gold is indeed like an antique or piece of art?except that no one uses those items as currency. The government can of course declare they have monetary value and enforce that value, but that is a flaw of any manufactured item trying to pass itself as currency, especially for pieces of paper. Gold requires no such permission. I think that gold?s utility as jewelry is an added bonus to its appeal, not a detraction.
?
Zack?s?Problem #6: ?My experience in investing has taught me that the asset class that is the hardest to own tends to perform the best. The one that?s easiest, the one everyone is rushing towards, tends not to do as well.?
My Comment: Gold is NOT so easy to own, specifically because there are so many bears out there who are eager to see it crash. Central banks pretend to hate it even as they pile it up in reserves. The easy thing to own is paper currency. Our employers pay us with paper currency every day. With the S&P 500 at 5-year highs and bond prices at historic highs (yields at historic lows), are these assets easy to own now or hard to own? According to the logic of ?anything that goes up must be too expensive,? one might be tempted to dump stocks and bonds here?but of course that is not the advice given in this piece.
?
Zack?s Problem #7: ?The same way trees don?t continually grow up into the sky, the price of gold will not continue to rise indefinitely.?
My Comment: This is a strange argument against gold when gold has indeed continued to rise over the long-term, generations even. I sure hope no one buys stocks and bonds because of a belief in their ability to rise indefinitely.
?
Zack?s?Problem #8: ?Historically, when the price of gold crashes, it crashes fast.?
My Comment: Yes, exclude the modern day crashes in 1987, 1998, 2000, 2008, 2009, and stocks never crash fast. If gold ever crashes again, I will thank my lucky stars that I can grab it again so cheap. I sure did not buy enough back in 2008.
?
Zack?s?Problem #9: ?In short, gold prices are being driven by ?animal spirits,? not any sort of evaluation of its intrinsic value.?
My Solution: If a notion of intrinsic value helps you sleep better at night, I suggest reading ?Justifying Gold Prices From A Money Creation Perspective.? It is a great reminder of why gold is ?so high.? The article also suggests, rightly so, that gold remains undervalued and under-appreciated.
?
Zack?s?Problem #10: ??recognize gold as something other than an investment ? it is a speculation.?
My Response: Call it what you want, as long as gold is a store of value and a monetary unit, I am good with it.
?
Zack?s?Problem #11: ?When everyone who has been parking their assets in gold decides it would be more productive to go into equities or other investments, the price of gold will reverse itself. Once people decide they want to stop buying the pretty rock, the price of gold will fall.?
My Response: This argument is a tautology. It even applies to bonds: ?When everyone who has been parking their assets in bonds decides it would more productive to go into equities or other investments, the price of bonds will reverse themselves.? Yet, even though this argument is true, no one would use it as a principle for avoiding bonds as an investment.
?
Zack?s?Problem #12: ?What is driving the price of gold is not fundamentals, not income streams, but fluctuations and perceptions about expectations. It?s essentially a speculation on mass psychology, and that, quite simply, cannot be predicted.?
My Response: Actually, the Federal Reserve has now made its printing rules very predictable, so I will be daring and predict gold will tend to go higher as this printing machine revs up. If the economy, GDP, stocks, and bonds were so predictable, we would all be millionaires by now.
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The Current Gold Setup
I conclude by looking at the current setup for gold. The breakout from August 31st is well intact. While I did not interpret this year?s Jackson Hole confab as a guarantee for QE3 in September, clearly a lot of people did. Gold was the first mover with stocks waiting a full week before experiencing its own breakout (to new 52-week and near 5-year highs).
(click to enlarge)
Gold?s wild ride since the last peak. Source: FreeStockCharts.com
Just as stocks have stalled out at highs of the year, gold has stalled at its high for the year. I consider this point a rest stop for gold. Be careful out there!
Editor?s Note: The above post may have been edited ([ ]), abridged (?), and reformatted (including the title, some sub-titles and bold/italics emphases) for the sake of clarity and brevity to ensure a fast and easy read. The article?s views and conclusions are unaltered and no personal comments have been included to maintain the integrity of the original article.
Related Articles:
1. My Case Against the Case Against The Case Against Gold
All thing considered, it seems clear that the long-term real returns of gold have been poor (compared to stocks and bonds), and I see no reason to expect long-term price appreciation for gold to be above inflation. In fact, as with any non-income producing asset, it would be unreasonable to expect gold to provide significant positive real returns over an indefinite period of time?I would argue that buying gold is a short-term gamble that is completely dependent on the unpredictable vagaries of perception, market psychology and the ?greater fool? theory?While it is true that gold can be a good short-term trade and offer superior returns over shorter periods (as has been the case in recent years) I believe that stocks will continue to substantially outperform gold over time.? [Let me explain these less than popular conclusions further.] Words: 1258
2. Why Is There Such An Interest In Gold?
Is gold a commodity or currency? How does it behave as an investment? What are the fundamentals of investing in gold? What are the different ways investors can get exposure to gold in their portfolios? The answers to these questions and many others are answered in this latest infographic from Visual Capitalist.
3. James Turk: Why Gold is Preferred to National Currencies
Some say that the gold price rises and falls, but they are grabbing the wrong end of the stick. It is the purchasing power of national currencies that rise and fall. Here is an analogy to make this point clear. When standing in a boat and looking at the shore, it is the boat (currencies) ? and not the land (gold) ? that is bobbing up and down. [Let me explain the value of gold further.] Words: 631
4. The Single Best Reason to Own Gold Is?
Today all currencies are fiat, that is, they are money only by government edict, by the law; they have no inherent value and are not backed by reserves. Because of this central bankers around the world can create/ print new money almost without limit, and as with all markets currency prices are set by the law of supply and demand, and as more dollars, euros, pounds and yen are created, their value falls. [Let me explain the ramifications of such action.] Words: 785
5. GOLDRUNNER- INVESTORS BEWARE! PART I- PRICE AND VALUE DIVERGE WITH AGGRESSIVE DOLLAR PRINTING
Several years, ago, the very savvy Richard Russell stated that the investment times were changing.? He said that with huge debts everywhere, cash flow would be the most important issue for everybody going forward- for business, for investment, and for everyday life.? He said that it was no longer a game of ?Return on Capital?, but a need for ?Return of Capital.?? What Richard was saying was that good and consistent investment and income gains would be more difficult for a decade, or so, and that just keeping the same value of one?s savings would be an important goal.
6. GOLDRUNNER: INVESTORS BEWARE! PART II PRICE AND VALUE DIVERGE WITH AGGRESSIVE DOLLAR PRINTING
The concept of ?value? is extremely important, especially when Dollars are being printed aggressively.? This is because the value of your Dollars is falling.? Most people look at a Dollar and see a Dollar.? They don?t understand that the worth of a Dollar can fall dramatically in times like today.
7. My Rationale For Owning Gold
Gold is not a solution to investing problems. It is an insurance policy against an inflationary explosion. The higher the probabilities of inflation, the more gold I hold. [Let me explain.]
8. Take Note: Gold and Silver are NOT an Investment!
Gold and Silver are not an investment! Let me repeat that. Gold and silver are not an investment! Gold and silver are (excuse the pun) the most ?solid? form of money you can possess. Yes, these two precious metals are money!?Don?t fear owning gold my friends. Fear not owning gold and silver, especially if you are a saver. [Let me explain.] Words: 795
9. Does Gold?s ?purchasing-power-protection? Price History Suggest Gold is Over-priced?
The spectacular rally in the gold price over recent years [has] many observers asking if the precious metal has not moved ahead of its fundamentals?[and if it] has not entered speculative bubble territory. [To address that concern] I have calculated the purchasing-power-protection price of gold for the 43 years from 1970 to 2012 and compared it to the average market price for gold in every year [along with some background of events unfolding over each decade during that time period which should prove] useful as a framework for how to think about the [current] dollar-price of gold. [I think you will find it most enlightening. Take a look.] Words: 3973
10.If You Don?t Think Gold IS a ?Safe Haven? Then You Don?t Know the Meaning of the Term!
It would seem that there is a considerable lack of understanding about what the term ?safe haven? actually means when it comes to gold. Let me explain just what it means ? and does not mean. Words: 740
11. Why, Pray Tell, Would I Want to Own Gold??
Comments I have made that ?when this [financial crisis] finally ends the big winners are apt to be the ones who have lost the least purchasing power. Keeping score in nominal dollars is likely to be meaningless. Gold tends to hold its purchasing power regardless of what happens to fiat currency.? have prompted questions about a) how to achieve such purchasing power with physical gold when this stage is reached, b) how to go about buying things with gold coins and c) how gold would be utilized under the assumption that a barter system would develop when dollars become worthless. [Let me explain.] Words: 700
12. A Look Back at the Performance of Gold vs. Stocks in Times of Crisis
We are in the midst of turbulent times, and it seems inevitable that things can only get worse. Most investors are of the opinion that gold is one of a very few areas of safety?however, when we look at historical charts, it is obvious that gold doesn?t always behave in the way we would expect. [Let me explain.] Words: 541
13. Physical Gold and Gold Stocks Should be in Your Portfolio ? Here?s Why
Do you own enough gold and silver for what lies ahead? If 10% of your total investable assets (i.e., excluding equity in your primary residence) aren?t held in various forms of gold and silver, we?think your portfolio is at risk. Here?s why. Words: 625
14. Egon von Greyerz: Once Gold Reacts to Global Money Printing Binge It Will Go Exponential
We are all focused on the short-term and that?s natural, but let?s step back and look at the longer-term picture?We know the debt levels are too high today?but, because less than 1% of world financial assets are in gold, we have yet to really see the gold market react to the massive global money printing binge of the last 10 years. Once the gold market starts reacting to all of this, that?s when gold is going to go exponential. It doesn?t matter whether investors are buying gold at $1,600 or $1,800, it?s irrelevant in the long-run. What?s important is they are invested in physical gold in order to preserve their wealth. [Let me explain why.]
15. A Message to Newly Minted (or Potential) Gold Bugs
I was taught years ago that ?gold is not about price? gold is about value.? Be measured, be balanced and don?t make more of it than it is. Gold is just a tool, an anchor to sound money; to value.? [Let me explain.] Words: 1120
16. Richard Russell: The Last Currency Standing Will Be Gold
Inflation is the central banks? method of avoiding the pain of austerity. Inflation is the current economic narcotic that is used by modern nations. It?s the old ?beggar thy neighbor? system, and it will ultimately result either in all out hyperinflation and a collapse of the fiat currency system or a corrective deflationary crash. Either way, the last currency standing will be gold.
17. Fiat Money: Exactly What Is It? Why Is It Such A Scourge?
Considering the fact that you can fool some of the people some of the time but you cannot fool all of the people all of the time, is it any wonder millions, both through the Tea Party demonstrations and now the Occupy Wall Street Movement across the country and elsewhere around the world, are protesting the abysmal scourge that fiat currency has brought upon us as a result of that fateful day back on July 25th, 1965. To appreciate the significance of that historic day we must fully understand what fiat currency is and why such a concept is about to implode and this article does just that. Words: 1372
18. ?Will That Be Cash or Gold Bullion??
?Gold Bullion Or Cash? is a well produced, high quality, educational short video that uses music, images, facts and quotations to show how gold has been a proven store of value throughout history and an important diversification today.
19. Gold is Not an Investment ? Gold is Money ? and Here?s Why
To fully understand gold?s role in an investment portfolio, we need to adopt a new mindset, a gold mindset which is, simply put: gold is not a bad investment, and gold is not a good investment. Gold is not an investment at all ? gold is money.
20. Buy Gold to Protect Your Wealth ? Not As Speculation! Here?s Why
In our travels to the Middle East, the Far East and South and Central America [we have found that] most people in those parts of the world see gold as the protector of wealth [as opposed to] in the West where it is viewed as a commodity for speculation? [That shouldn't be the case. Let me tell you why.] Words: 2159
21. Surprise, Surprise ? Gold Is A Safer Investment Than Any Other!
A look at the gold price over the past 177 years reveals that ? surprise, surprise ? gold could be the safest investment out there! Words: 1377
22. What is Money ? Really ? and Why Do We Need to Own Gold ? Really?
Have you ever wondered what money really is [and why we need to own some gold as a result]? You?ll notice that everyone you read has a strong opinion , but who?s right? [Let look at the situation and see if we can come to an answer that we both can agree on.] Words: 3086
