More stories

  • in

    How to make your days more productive

    NEW YORK (Reuters) – When you think of productivity, what comes to mind?Probably the image of someone stressed out, rushing around, scheduling every minute of every day.Wrong.That person may indeed be super busy, but they are likely not at their most productive. And they are probably headed towards burnout.True productivity requires a different approach, according to Laura Mae Martin, Google’s in-house productivity expert who just published a book on the subject, “Uptime: A Practical Guide to Personal Productivity and Wellbeing.”It requires you to be much more thoughtful about how you design your days: What to do, when to do it, where to do it and how to do it well.For example: Could lounging on the couch and binge-watching your favorite TV show actually be considered ‘productive’?In Martin’s view, yes. If you have set aside some downtime for yourself, want to enjoy an afternoon away from work, and recharge your batteries for the coming week – then that time is being used exactly as intended.So how can people wrest back control of their time and craft sustainable schedules to get the most out of every day? Here are a few factors to consider:WHAT TO DOYou cannot get to everything you would like to accomplish in this life – there is just not enough time. You have to choose.That means focusing on a handful of priorities that are most important to you – say, three of them.“Have the lens of ‘Future You’ in mind,” Martin says. “What are the things you are going to be glad you focused on and prioritized? Make a to-do list that reflects that. And then learn how to say no to other things.”WHEN TO DO ITAll blocks of time are not created equal. Some will be productive, some will not. It depends on you are how you are wired.For example, if you are a morning person, you may get in a high-performance flow earlier in the day like 9 a.m. or 10 a.m. – and then see your productivity petering out at 4 p.m. or 5 p.m.Schedule your most demanding work when you are at your best and less taxing tasks when you are not. If you do the reverse, you are just asking for trouble.“This might be the most important section of the book, because the biggest pitfall of productivity is treating all time slots equally,” Martin says. “What are your ‘Power Hours,’ when you can do focused, heads-down work? Protect those times for yourself.”WHERE TO DO ITThis question came to the forefront in the pandemic era, with so many workplaces going remote. Once you have identified your most productive hours of the day, what is the best location for that effort?Again, the answer is a highly personal one: Depending on your personality and your job, your Power Hours might best be spent quietly at home, or in an open, collaborative office workspace.To maximize that effort, Martin says, help your brain along with what’s called ‘state dependency’: The tendency to associate certain environments with certain tasks.“Use that to your advantage,” she says. “Maybe you always sit at a desk to do your calls and meetings, and then in a chair across the room to catch up on emails. That way you are giving your brain an easy way to know what to do next.”HOW TO DO IT WELLHere is a task that everyone has to accomplish: Keeping up on emails. There is a way to do it thoughtfully and a way to do it haphazardly that is totally inefficient.“Think of it like laundry,” says Martin, who has been able to maintain ‘Inbox Zero’ despite her high-powered job. “You wouldn’t open your dryer 20 times a day, fold one shirt, put it away, and then keep coming back to it all day long to do the same thing. But that’s the way people are handling email.”Instead, set aside specific times of day where you can put all those emails into different buckets, like ones to read, or review or respond.Same thing with your smartphone: It is obviously a useful tool, but do not be afraid to set yourself guard-rails like locking apps after a certain time of day or putting your phone in a different room at nighttime (as Martin does). “Make it work for you, instead of against you,” Martin says. More

  • in

    Pakistan to raise up to $1 billion through international bonds in FY25

    ISLAMABAD (Reuters) – Pakistan plans to raise up to $1 billion through international bonds in the 2025/26 fiscal year, Finance Minister Muhammad Aurangzeb told Reuters, adding that up to $300 million will be raised through Chinese markets”The first bond market we will access is the Chinese panda bond market, and our inaugural bond will raise the yuan equivalent of $250-300 equivalent,” said Aurangzeb.He said once Pakistan’s investment ratings improve, the ministry plans to tap European and other markets, he added.On Wednesday, the finance minister presented the budget for the upcoming fiscal year through June 2025. More

  • in

    Malaysia keeps inflation outlook for 2024 after diesel subsidy reforms

    Diesel fuel prices in much of Malaysia rose by more than 50% on Monday as the government launched its long-promised effort to shift away from costly blanket subsidies towards a targeted approach that mainly helps low-income groups.Treasury Secretary-General Johan Mahmood Merican said aid redirected from the subsidy cuts and exemptions for some diesel users were expected to keep rising prices in check.”The impact of inflation is such that it will still remain within the official band,” he told a conference on structural reforms on Thursday.He did not say whether the government’s outlook would change following adjustments to other blanket subsidies, such as for RON95 petrol, also expected to begin this year.Malaysia heavily subsidises the costs of items such as cooking oil, rice and other fuels – an expense that has ballooned in recent years, straining government coffers. More

  • in

    Cutting through the fog of the Russian assets debate

    Standard DigitalWeekend Print + Standard Digitalwasnow $85 per monthBilled Quarterly at $199. Complete digital access plus the FT newspaper delivered Monday-Saturday.What’s included Global news & analysisExpert opinionFT App on Android & iOSFT Edit appFirstFT: the day’s biggest stories20+ curated newslettersFollow topics & set alerts with myFTFT Videos & Podcasts20 monthly gift articles to shareLex: FT’s flagship investment column15+ Premium newsletters by leading expertsFT Digital Edition: our digitised print editionWeekday Print EditionFT WeekendFT Digital EditionGlobal news & analysisExpert opinionSpecial featuresExclusive FT analysisFT Digital EditionGlobal news & analysisExpert opinionSpecial featuresExclusive FT analysisGlobal news & analysisExpert opinionFT App on Android & iOSFT Edit appFirstFT: the day’s biggest stories20+ curated newslettersFollow topics & set alerts with myFTFT Videos & Podcasts10 monthly gift articles to shareGlobal news & analysisExpert opinionFT App on Android & iOSFT Edit appFirstFT: the day’s biggest stories20+ curated newslettersFollow topics & set alerts with myFTFT Videos & Podcasts20 monthly gift articles to shareLex: FT’s flagship investment column15+ Premium newsletters by leading expertsFT Digital Edition: our digitised print editionEverything in PrintWeekday Print EditionFT WeekendFT Digital EditionGlobal news & analysisExpert opinionSpecial featuresExclusive FT analysisPlusEverything in Premium DigitalEverything in Standard DigitalGlobal news & analysisExpert opinionSpecial featuresFirstFT newsletterVideos & PodcastsFT App on Android & iOSFT Edit app10 gift articles per monthExclusive FT analysisPremium newslettersFT Digital Edition10 additional gift articles per monthMake and share highlightsFT WorkspaceMarkets data widgetSubscription ManagerWorkflow integrationsOccasional readers go freeVolume discountFT Weekend Print deliveryPlusEverything in Standard DigitalFT Weekend Print deliveryPlusEverything in Premium Digital More

  • in

    UBS pushes back Fed rate cut forecast to December

    The U.S. central bank on Wednesday pushed out the start of rate cuts to perhaps as late as December, and Fed officials reined in projections for how aggressively they would cut rates this year, from three 25 basis point rate cuts to just one.”The data is going to need to change a lot of minds to bring people back to cutting in September, and start doing so in the next two months,” UBS economists, led by Jonathan Pingle, said in a note dated Wednesday.J.P.Morgan continues expect the first cut in November, but sees risks tilted ‘a little more’ toward September than December.BofA Global Research retained its December forecast for the start of policy easing.U.S. consumer prices were unexpectedly unchanged in May amid cheaper gasoline, data showed on Wednesday, but inflation remains too high for the Fed to start cutting interest rates before September.Market expectations for a rate cut in September have fallen to 61.5%, according to CME’s FedWatch Tool, after rising to roughly 70% in the wake of the inflation data. Odds for a December rate cut are now at 93%. More

  • in

    The Fed refuses to celebrate

    Standard DigitalWeekend Print + Standard Digitalwasnow $75 per monthComplete digital access to quality FT journalism with expert analysis from industry leaders. Pay a year upfront and save 20%.What’s included Global news & analysisExpert opinionFT App on Android & iOSFT Edit appFirstFT: the day’s biggest stories20+ curated newslettersFollow topics & set alerts with myFTFT Videos & Podcasts20 monthly gift articles to shareLex: FT’s flagship investment column15+ Premium newsletters by leading expertsFT Digital Edition: our digitised print editionWeekday Print EditionFT WeekendFT Digital EditionGlobal news & analysisExpert opinionSpecial featuresExclusive FT analysisFT Digital EditionGlobal news & analysisExpert opinionSpecial featuresExclusive FT analysisGlobal news & analysisExpert opinionFT App on Android & iOSFT Edit appFirstFT: the day’s biggest stories20+ curated newslettersFollow topics & set alerts with myFTFT Videos & Podcasts10 monthly gift articles to shareGlobal news & analysisExpert opinionFT App on Android & iOSFT Edit appFirstFT: the day’s biggest stories20+ curated newslettersFollow topics & set alerts with myFTFT Videos & Podcasts20 monthly gift articles to shareLex: FT’s flagship investment column15+ Premium newsletters by leading expertsFT Digital Edition: our digitised print editionEverything in PrintWeekday Print EditionFT WeekendFT Digital EditionGlobal news & analysisExpert opinionSpecial featuresExclusive FT analysisPlusEverything in Premium DigitalEverything in Standard DigitalGlobal news & analysisExpert opinionSpecial featuresFirstFT newsletterVideos & PodcastsFT App on Android & iOSFT Edit app10 gift articles per monthExclusive FT analysisPremium newslettersFT Digital Edition10 additional gift articles per monthMake and share highlightsFT WorkspaceMarkets data widgetSubscription ManagerWorkflow integrationsOccasional readers go freeVolume discountFT Weekend Print deliveryPlusEverything in Standard DigitalFT Weekend Print deliveryPlusEverything in Premium Digital More

  • in

    Shares of Buffett-backed BYD jump after EU unveils lower than expected tariff

    Standard DigitalWeekend Print + Standard Digitalwasnow $85 per monthBilled Quarterly at $199. Complete digital access plus the FT newspaper delivered Monday-Saturday.What’s included Global news & analysisExpert opinionFT App on Android & iOSFT Edit appFirstFT: the day’s biggest stories20+ curated newslettersFollow topics & set alerts with myFTFT Videos & Podcasts20 monthly gift articles to shareLex: FT’s flagship investment column15+ Premium newsletters by leading expertsFT Digital Edition: our digitised print editionWeekday Print EditionFT WeekendFT Digital EditionGlobal news & analysisExpert opinionSpecial featuresExclusive FT analysisFT Digital EditionGlobal news & analysisExpert opinionSpecial featuresExclusive FT analysisGlobal news & analysisExpert opinionFT App on Android & iOSFT Edit appFirstFT: the day’s biggest stories20+ curated newslettersFollow topics & set alerts with myFTFT Videos & Podcasts10 monthly gift articles to shareGlobal news & analysisExpert opinionFT App on Android & iOSFT Edit appFirstFT: the day’s biggest stories20+ curated newslettersFollow topics & set alerts with myFTFT Videos & Podcasts20 monthly gift articles to shareLex: FT’s flagship investment column15+ Premium newsletters by leading expertsFT Digital Edition: our digitised print editionEverything in PrintWeekday Print EditionFT WeekendFT Digital EditionGlobal news & analysisExpert opinionSpecial featuresExclusive FT analysisPlusEverything in Premium DigitalEverything in Standard DigitalGlobal news & analysisExpert opinionSpecial featuresFirstFT newsletterVideos & PodcastsFT App on Android & iOSFT Edit app10 gift articles per monthExclusive FT analysisPremium newslettersFT Digital Edition10 additional gift articles per monthMake and share highlightsFT WorkspaceMarkets data widgetSubscription ManagerWorkflow integrationsOccasional readers go freeVolume discountFT Weekend Print deliveryPlusEverything in Standard DigitalFT Weekend Print deliveryPlusEverything in Premium Digital More

  • in

    Ethereum (ETH) in Critical State, Here’s Why Bitcoin (BTC) Can’t Reach $70,000, Will XRP Reach All-Time Low?

    Despite its early strong momentum, the price action of ETH has surprised a lot of traders. After hitting resistance at about $3,800, Ethereum entered a consolidation phase. The current decline that we have observed, which is frequently an indication of market indecision, was foreseen in this instance by sideways movement. Over the past few days, Ethereum’s price has dropped significantly, approaching $3,500. The market had been feeling bullish overall, so many people were surprised by this sudden decline. There are several possible reasons for this unforeseen behavior. Initial liquidity issues could be crucial. Furthermore, macroeconomic factors and investor sentiment are always important. Ethereum’s performance may have been impacted by recent global financial trends, regulatory news or even bigger sell-offs on the market. It is also critical to keep in mind that fluctuations in Bitcoin (such as the decline below $70,000) frequently have an impact on the entire cryptocurrency market, including Ethereum. Technical indicators show that there was a significant sell-off of ETH in a short period of time. Reentry by buyers onto the market may indicate potential for expansion. Moving averages also show another concerning pattern: the shorter-term MAs crossing below the longer-term MAs, which is typically a bearish signal. Despite the recent downturn, Ethereum’s fundamentals remain strong.A decreasing number of new purchasers are nevertheless willing to make these high-level investments, according to the state of the market. The lack of buying interest is making it difficult for Bitcoin to surpass the psychological $70,000 barrier. The change in institutional behavior is another important component. Institutions are now shifting money away from Bitcoin ETFs despite the fact that they were crucial to Bitcoin’s earlier rallies. This change is partially the result of people looking for better returns in alternative asset classes or new developments in the cryptocurrency industry. The potential price of Bitcoin is weakened by diminished institutional support because a significant portion of the buying pressure that raised prices came from these large-scale investors. Furthermore, strong fundamental drivers that have historically sparked enormous bull runs are absent from Bitcoin at the moment. While the NFT craze played a similar role in 2021, the ICO boom in 2017 propelled Bitcoin to previously-unheard-of heights. There is currently no trend or invention like this propelling investor capital and enthusiasm toward Bitcoin on a large scale. The struggles of Bitcoin are also reflected in technical indicators. It appears that neither overbought nor oversold conditions exist as the Relative Strength Index (RSI) has been circling around neutral. This neutral RSI adds to the general sense of indecisiveness and uncertainty on the market, further impeding any meaningful price movement.XRP has been steadily losing value over the last few weeks as it has been in a downtrend. The first real red flag appeared when the 50-day EMA disappeared. After that, XRP dropped below both the critical psychological support level of $0.5, which is represented by the orange line on the 100-day EMA, further deteriorating its technical outlook. The annual low of $0.44 is the next significant support level for XRP. The likelihood of reaching this level appears to be growing given the state of the market and technical indicators. There is a long-term bearish trend indicated by the 200-day EMA, which is still significantly above the current price. The absence of significant purchasing power is one of the primary causes of XRP’s downfall. The asset finds it difficult to hold onto its value, much less increase it in the absence of substantial buy-side interest. Due to investor caution brought on by macroeconomic uncertainties, the overall market conditions for cryptocurrencies are currently not very favorable.This article was originally published on U.Today More