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The worldwide banking and monetary services group HSBC affirms U.S. merchants aren’t being positive concerning trading leads within the following six months.
The HSBC prediction launched Tuesday anticipates U.S. business will certainly go up from $4.4 trillion, way up over 62 %, within the following 15 years, while the U.S. portion around the world market lessens.
The first Trade Links estimate by the London-based banking and financial enterprise forecasts that the U.S. portion around the world market may fall down by 11.3 % (2010) to 9 % by 2025, which China’s part regarding global commerce will probably achieve 13 % at that time to surpass the United States as the world’s leading exporting country.
Based from Fisher Capital Management news blog, within the short-term, U.S. traders tend to be uneasy. The most recent HSBC Trade Confidence Index, that likewise revealed Tuesday, discovered that mainly 49 % of U.S. participants’ estimated a little or even considerable rise in trade quantities in the subsequent six months. Which was a 13 % decline in the reply within the initial half of 2010 and the smallest level of confidence involving U.S. traders considering that study was first made in 2009.
Forty-nine percent of U.S. corporations interviewed additionally thought worldwide financial system would probably turn down within the following 6 months, significantly more compared to 30 % who considered in a study held in February as well as March.
The research were being unveiled with a “Doing Business in Latin America’’ convention in which HSBC set up at the Biltmore Hotel in Coral Gables on Tuesday plus an HSBC Trade Summit in Hamburg, Germany.
Mostly of the brilliant destinations American traders had been Latin America, based on the business assurance study. Twenty-seven percent stated it manifested the top potential for business development in the following 6 months. This positioned it simply preceding China (26 %) being the ideal probability.
This study occur at the same time as the U.S. Congress is actually thinking of a bill that could discipline nations having unnaturally poor currencies, enabling the imposition of more duties for items coming from countries which subsidize exports through undervaluing its money.
China started permitting the Yuan to trade in a slim day-to-day band in 2005 and considering that it seems to have valued by a lot more than 20 % up against the dollar, however experts point out its still undervalued, rendering Chinese exports less expensive.
Nevertheless, the Trade Contacts estimate learned that participants predicted China might continue to be the United States’ most significant trading associate at the least thru 2025 – even though Vietnam is actually foreseen being the quickest increasing significant U.S. trading associates.
The survey predict U .S. trade amounts won’t increase as fast as worldwide trade on the whole (73 % growth thru 2025), nonetheless it asserted that “Made in America’’ merchandise like healthcare devices, high-end fabricated goods as well as bio-pharmaceuticals, along with other merchandise, will stay reasonably competitive.
The estimate mentioned “the limelight will probably be upon Egypt, India, China, and Indonesia along with Brazil to push global advancement during this period.

Apple might confront trouble to its iPad product sales within China following a court turned down its claim to possess the iPad trademark in the country having a competitor sought to stop the product sales of the tablet unit in two Chinese metropolitan areas.

These developments include the newest in the long-running argument involving Apple and Proview Technology (Shenzhen), a striving Taiwanese-owned firm that registered trademarks for that brand iPad in numerous states prior to Apple created its runaway success tablet pc, based from online resources by Fisher Capital Management.

Ordinarily, Apple is actually at the receiving end with intellectual property rights infringements within China, along with counterfeits expanding even going to replicates of their leading retailers. The United States Company offers yet documented leaping product sales within the last three quarters, after a thrust began a year ago to which there is until now crafted four Apple company retailers within Beijing as well as Shanghai and 1,000 shops across the nation.

Fisher Capital Management: Apple sheds iPad trademark case in China’s Legal Court

“Apple is such a Goliath and has a good image, so people wouldn’t imagine that Apple could possibly infringe on our intellectual property rights,” explained Xiao Caiyuan, legal counsel for Proview at Guangdong Guanghe law office. “People always think its small companies infringing upon large companies’ IPR.”

“We hope that this decision will make our negotiations with Apple a bit easier,” mentioned Li Su, an agent for Proview.

Proview, the flat screen contract producer, formulated the failed attempt to sell a tablet computer in 2000, and licensed trademarks for that iPad label in the EU, China, Mexico, South Korea, Singapore, Indonesia, Thailand and Vietnam in between the year 2000 and 2004, based on brand directories.

Around 2006, Proview Electronics (Taiwan) decided to offer Apple Company the “global trademark” for that IPAD name for £35,000, in accordance with Proview, however the two firms have eventually could not agree regarding whether or not that package incorporated China.

Apple ascribed to possess ownership of these two specific Chinese trademarks moved to its name prior to begun marketing this iPad within China early on. The Chinese trademark bureau declined the application since the trademarks tend to be belonging to Proview Technology (Shenzhen), an affiliate of Proview International, the group’s Hong Kong-listed holding firm, but not the actual Taiwan unit.

Apple Company consequently charged Proview Technology (Shenzhen), questioning a legal court in order to declare the US firm the actual rightful owner of this IPAD trademarks within China. The Shenzhen Intermediate People’s Court declined that demand earlier this week with a judgment of which Apple Company may appeal.

Proview Technology (Shenzhen) has charged Apple resellers within the southern Chinese metropolitan areas of Shenzhen as well as Huizhou, from Fisher Capital Management news online, seeking out a direct stop relating to product sales of iPads. The Shenzhen Futian District Court is due to commence hearing one case about December 30, and the Huizhou Intermediate People’s Court has appointed the hearing with the other for January 7.

“We are starting with these two cities, and if we are successful in getting iPad sales stopped, we will consider going after Apple resellers elsewhere in China,” reported Xie Xianghui, legal counsel in Grandall, a different Chinese law office employed by Proview. Apple Company refused to provide feedback.

The China trademark litigation occurs at the moment while Apple is actually involved in numerous patent battles internationally versus Samsung Electronics as well as HTC, a couple of different smart phone manufacturers. These cases, that span markets such as the Us, Germany and Australia, have at this point largely ended up resolved in favor of the apple company.

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The worldwide banking and monetary services group HSBC affirms U.S. merchants aren't being positive concerning trading leads within the following six months. 
The HSBC prediction launched Tuesday anticipates U.S. business will certainly go up from $4.4 trillion, way up over 62 %, within the following 15 years, while the U.S. portion around the world market lessens. 
The first Trade Links estimate by the London-based banking and financial enterprise forecasts that the U.S. portion around the world market may fall down by 11.3 % (2010) to 9 % by 2025, which China's part regarding global commerce will probably achieve 13 % at that time to surpass the United States as the world's leading exporting country. 
Based from Fisher Capital Management news blog, within the short-term, U.S. traders tend to be uneasy. The most recent HSBC Trade Confidence Index, that likewise revealed Tuesday, discovered that mainly 49 % of U.S. participants' estimated a little or even considerable rise in trade quantities in the subsequent six months. Which was a 13 % decline in the reply within the initial half of 2010 and the smallest level of confidence involving U.S. traders considering that study was first made in 2009. 
Forty-nine percent of U.S. corporations interviewed additionally thought worldwide financial system would probably turn down within the following 6 months, significantly more compared to 30 % who considered in a study held in February as well as March. 
The research were being unveiled with a "Doing Business in Latin America'' convention in which HSBC set up at the Biltmore Hotel in Coral Gables on Tuesday plus an HSBC Trade Summit in Hamburg, Germany. 
Mostly of the brilliant destinations American traders had been Latin America, based on the business assurance study. Twenty-seven percent stated it manifested the top potential for business development in the following 6 months. This positioned it simply preceding China (26 %) being the ideal probability. 

Fisher Capital Management Financial Blog Website- Fisher Capital Management Fraud Updates and Tips

Even though resolutions boost financial condition a great idea to accomplish in any period for year is for numerous persons discover this less difficult from the starting of the New Year. Irrespective of any time one start, the fundamentals stay identical. Fisher Capital Management shares recommendations in order to be in advance monetarily.

1. Be Compensated How Much you are worth and Save Some Part of It

This appears easy; however countless individuals have difficulty having this specific initial fundamental principle. Be positive and understand exactly what your task is worth within the industry, through executing the assessment of your expertise, productiveness, career responsibilities, involvement to the firm, and the current fee, equally within and beyond the organization, regarding what you perform. Becoming under compensated actually a thousand bucks a year may possess a substantial collective result more than the actual process of one’s employment existence.

Irrespective of the amount or perhaps how small you are compensated, you will in no way obtain be advance in case one devote far more compared to a person gain. Frequently it is less difficult to invest much less compared to this will be to make much more, and the small efforts within the amount of places may outcome in large savings. This will not usually have that which includes producing large sacrifices.

2. Adhere to the Price Range

How many people understand when the funds will be heading when one never budget? How does a person can easily established investing and saving targets when one never understands in which the cash is actually heading? People require the budget whether or not a person creates thousands or perhaps hundreds of thousands of bucks a year.

3. Settle Credit Card Accounts

Credit card financial obligation is actually the number one hindrance to becoming ahead monetarily. These small items of plastic tend to be so convenient to utilize, it is therefore very easy to overlook that it is actual cash we are coping with whenever you whip these away to pay out for any transaction, big or even little. In spite of the great resolves in order to shell out balance away swiftly, the truth is that it usually will not, and wind up having to pay much more regarding issues compared to   make paid off when you made use of money.

4. Chip in towards the Pension Program

When the company has a 401(k) plan and a person do not contribute to this, you are running away through one of the finest discounts right there. Request the boss if they have the 401(k) plan (or even comparable program), and sign up right now. In the event that you happen to be contributing, attempt to increase the contribution. In case the company will not provide the pension program, think about the Individual retirement account.

5. Make Financial Savings Program

You might have discovered this before: Pay for yourself first! If perhaps a person delay till you have satisfied most ones monetary commitments prior to finding what is remaining around for saving, probabilities tend to be you will in no way possess a wholesome financial savings accounts or perhaps opportunities. Deal with it in order to fix apart the minimal for 5% to 10% of the income to get savings prior to shelling out the expenses. More desirable however, get cash instantly taken off through the income and deposit straight into a distinct account.

6. Make Investments!

Should you are contributing  the pension program and the savings account as well as one may also handle to set a number of funds in to some other ventures, all the  far better.

Fisher Capital Management Warning: Kellogg Gets Second FDA Warning on Listeria in 2 Years

A Kellogg Co. (K) cookie plant in Augusta, Georgia, was found to have a “persistent strain” of listeria during a February inspection, including on food-contact surfaces, according to a warning letter from U.S. regulators.
The Food and Drug Administration letter, dated June 7, was sent less than two years after a Kellogg Eggo waffle plant in the same state was shut for similar reasons.
The inspection found flies and pools of water, the FDA said. The letter from District Director John Gridley didn’t say that any products were tainted with listeria, yet said they were “adulterated” and “may have become contaminated with filth.” The Augusta plant makes Keebler and Famous Amos cookies, and is one of five cookie bakeries Kellogg operates in North America.
“While the FDA did not identify specific concerns with the food, we take this situation very seriously,” Kris Charles, a spokeswoman for Battle Creek, Michigan-based Kellogg, said in an e-mail. “We have undertaken a number of aggressive actions to address their concerns including comprehensive cleaning and extensive testing.”
Kellogg’s response didn’t include dates for taking action at the plant, the FDA said. The regulator gave Kellogg 15 days to outline specific remedies to avoid injunction or product seizure.
Eggo Production
Kellogg’s cookies are baked at a temperature high enough to kill any listeria present, according to Robert Gravani, a food science professor at Cornell University in Ithaca, New York. The lack of an FDA product recall suggests that listeria was not found in the cookies, he said. FDA spokeswoman Tamara Ward declined to comment on a potential recall.
Listeria is a bacterium found in prepared foods and soil that can cause a serious infection in humans called listeriosis. It is particularly harmful to pregnant women, the young, the elderly, and people with weak immune systems, according to the FDA’s website.
Kellogg, the largest U.S. maker of breakfast cereals, fell 45 cents to $54.96 at 4 p.m. in New York Stock Exchange composite trading. The shares have gained 7.6 percent this year.
The FDA in January 2010 ordered Kellogg to improve sanitation controls at the different Georgia plant after Eggo buttermilk waffles were found contaminated with listeria bacteria. That, along with flooding and equipment changes at another waffle factory in 2009, slowed production for months and caused Eggo’s market share to drop.
Kellogg in June 2010 voluntarily recalled about 28 million boxes of cereal including Froot Loops and Honey Smacks, citing unusual taste and odor coming from the liner of packages. The recalled boxes were made at an Omaha, Nebraska, facility. North American cereal sales dropped 5 percent in 2010, partly because of the recall.

Lighthouse Capital Management, Inc.: Private Company ...

As of August 15, 2008, Lighthouse Capital Management, Inc. was acquired by Fisher Asset Management, LLC. Lighthouse Capital Management, Inc. is an employee owned investment manager with approximately $404 million in assets under management. It also provides families, trusts, institutions, retirement plans and general financial decisions to its clients. The firm primarily provides its services to individuals, typically high net worth individuals. It also manages accounts for pension and profit sharing plans, charitable organizations, and corporations. The firm manages client-focused equity and balanced portfolios. It invests in the public equity and fixed income markets of the United States....

Triad Boiler Room Systems Launched New Commercial Boilers

Fisher Capital on Boiler Room Equipment, Inc: Triad Boiler Systems manufactures uniquely rugged small-footprint hot water boilers, steam boilers, and radiant heating systems. All our boilers use 12 gauge firetubes in compact vessels that fit through very small doorways! Inputs range up to 2,000,000 BTU's. Create a highly efficient system with millions of BTU's by sequencing a string of these modular vessels.
TRIAD's commercial boilers and industrial grade Hot Water Heating, Domestic Hot Water, and Steam boilers are used in a wide variety of applications. Our commercial boilers are used at schools, universities, apartments, hospitals, office buildings, retirement communities, and churches. Industrial uses have included bakeries, smelting operations, food processing, quenching systems, and various heating applications for manufacturing. Triads’ modular boilers and radiant heating systems can be natural gas fired, oil fired, or dual fuel fired. For simplicity of operation and maintenance, all controls on our boilers are well known, off-the-shelf products. There area no proprietary parts on these boilers! This simplicity of operation is part of our philosophy, and an important reason why our customers return to us again and again.

TRIAD has been manufacturing high-quality boilers since 1926, and developed the modular boiler concept with primary/secondary piping, receiving a patent for it in 1967. We put this experience, knowledge, and expertise into every boiler.

We believe in quality - it is the overriding characteristic driving our company. This is why we manufacture extremely rugged, well-designed hot water and steam boilers that can provide decades of dependable service. We welcome your inquiries.

Benefits of Modularity
TRIAD's elegantly simple design maintains consistent water volume where heat is required.

• Boilers are activated sequentially, drawing water from the main loop into the next hot water boiler until the heating need is meet.
• firing boilers remaining isolated, so no heated water circulates through cold boilers.
• During most of the year the unfired boilers provide additional backup.
• Outdoor temperatures and loop water temperatures are constantly monitored.

Fisher Capital on Boiler Room Equipment, Inc: The efficiency of this design is most apparent during warmer months, when a conventional hydronic heating or steam boiler could still be operating at full capacity.

Primary-Secondary Piping
TRIAD integrates modularity with a single pipe primary-secondary system. TRIAD was the first company to employ a Primary-Secondary concept. It operates with two loops, (i) the primary loop, or building main loop, and (ii) smaller secondary loops off of each hot water boiler, which supply heated water to the primary loop.

Upon a call for heat, the boiler pump begins pushing the return water into the boiler and out through the secondary loop, supplying this hot water up into the primary loop (the main header), where it mixes with the cooler return water from the main loop of the building.

• Supply and return water are blended, avoiding the need for expensive and unreliable mixing valves commonly used in two pipe systems.
• The secondary loop isolates each hot water boiler, resulting in a very efficient system that minimizes thermal shock.

Control Panel
TRIAD Boilers can be sequenced by the use of our control panel that provides many attractive features:

• Temperature set-back when less heat is required, such as nights and weekends.
• Adjustments for latent heat, to take advantage of hot boiler water that retains heat after the burner shuts down.
• Outdoor reset based on atmospheric temperatures.
• Monitoring of return water temperatures to maintain accurate heating output.

It is also very easy to sequence our boilers using the panel of any other major manufacturer. 

Fisher Capital Management News

Fisher Capital Management Corporate Latest News Fisher Capital Management Corporate Latest News Updates and Reviews | Latest Corporate News Updates. fishercapitalmanagement-corporatenews.com The financial services sector will no longer be able to offer staff retention bonuses, as a result of new payment guidelines from the Financial Services Authority (FSA).New rules put forth by the FSA attempt to align pay and other staff rewards with jeopardy, so as to avoid a situation where employe Fisher Capital Management News Fisher Capital Management News Directory:USDA announces BCAP funding, May 27 deadline » Fisher Cap fishercapitalmanagementnews.com BCAP supports agricultural and forest land owners and operators through two distinct processes. One process requires an approved project area to support the production of eligible energy crop feedstock produced within the project area. “Project sponsors must submit their project area proposals to th Fisher Capital Management News Fisher Capital Management News Directory:Report: Financial Advice Not Reaching Black America » Fis fishercapitalmanagementnews.com Only two out of every 10 African-Americans are on a path to achieve their retirement goals, according to a six-month-old survey of Blacks conducted by a major wealth manager. Fisher Capital Management News Fisher Capital Management News Directory:Money tip: A quick lesson in financial literacy » Fisher. fishercapitalmanagementnews.com Surveys show that Americans still have a relatively poor understanding of basic money concepts, what experts call financial literacy. Fisher Capital Management News Fisher Capital Management News Directory:83% Of Startups Plan To Hire This Year (Up From 73% Last Ye fishercapitalmanagementnews.com The financial institution surveyed 375 U.S.-based, private, VC-backed software, hardware and cleantech companies, and found that startups are generally optimistic about current business opportunities and that they will continue to hire 6 hr 21 min ago

Fisher Capital Management Corporate Latest News Updates and Reviews

Fisher Capital Management Corporate News: First-ever Corporate Travel Expert program in Shanghai kicks off

http://www.eturbonews.com/22273/first-ever-corporate-travel-expert-program-shanghai-kicks


SHANGHAI, China – Global Business Travel Association (GBTA) and TTG Asia Media’s effort to bring the internationally-recognized Corporate Travel Expert (CTE) Certification Course to China has paid off with an encouraging 23 participants from across China.

Designed as a 1.5 days starter program on the basics of business travel management, this program is ideal for professionals with decision-making roles in travel planning and purchasing. The full-day learning session starts today, with the certification exam taking place tomorrow. Successful graduates will earn the CTE designation. To date, more than 900 professionals worldwide have been certified through GBTA’s CTE program.

Today’s participants include professionals from McKinsey & Company, Accenture Beijing and Shanghai, Bosch (China) Investment, IKEA IMS Wholesale (Shanghai), and China International Travel Service Shenzhen. The cohort also features travel managers, travel counselors, account managers, executive assistants, buyers, purchasers, general managers, and CEOs.


Fisher Capital Management Corporate News: Why shouldn’t Murdoch get what he wants? Others do

http://www.guardian.co.uk/commentisfree/2011/apr/12/politicians-control-over-corporate-interests

Imagine reports that, during the 2010 election, members of Labour’s campaign team hired private detectives to hack the mobile phones of Tory leaders and aides, accessing in particular voicemail messages left by the editors of the Sun and News of the World. Imagine that a sleuth was convicted, along with the minor apparatchik at Labour headquarters who hired him.

Imagine that Labour leaders insisted that the apparatchik was a rogue operator, that nobody else in the party could possibly be involved, and that Gordon Brown, along with his henchmen Eds Miliband and Balls, were entirely in ignorance of what their underlings had been up to.We can be certain the press would not let the matter rest there. Any shortcomings in the police investigation would be closely scrutinised.

Fisher Capital Management Corporate News: NDP promise: Keeping corporate tax rate below the U.S.

http://www.cbc.ca/news/politics/canadavotes2011/realitycheck/2011/04/ndp-promise-keeping-corporate-tax-rate-below-the-us.html

There is currently a nine percentage point spread between the average Canadian federal/provincial corporate tax rate (approximately 26 per cent) and the U.S. federal corporate tax rate (35 per cent).

Add in state corporate taxes on top of the federal, and the gap becomes more like about 14 per cent. The NDP could raise Canada’s corporate rate to heights not seen in decades, and still keep this promise.

But how useful are these cross-national comparisons of corporate tax rates that politicians are so fond of?

The U.S. has the world’s largest economy, is home to more Fortune 500 companies than anywhere else, and yet it has among the world’s highest corporate tax rate.

What gives?

The answer is you can’t believe everything you read. What the government wants companies to pay, and what they actually pay are often two different things. It’s a great big world out there, and money seeks out places where taxes are lowest.

Fisher Capital Management Corporate News – UK Economy: Private Sector Job Vacancies Drop By 2% In April Compared To March 2011 Says Reed

New analysis of vacanices in 8,000 employers reveal that job opportunities in the public sector has fallen by three points or 2% between March and April 2011, according to Reed recruitment agency.

The data reveals the drop in private sector vacancies was due to recruitment slow down in the banking and tourism sectors which saw a huge surge in recruitment in February.  However, the 2% drop is still 22% higher than it was during the same period last year.

However, the job growth comes from increases in the engineering, customer services, estate agency, human resources, information technology and telecoms sectors. But there has been no growth in public sector job market.

Martin Warnes, Reed’s UK MD pointed out that April’s loss was expected due to the Easter holidays and the subsequent bank holiday for the Royal wedding.

“Clearly business growth has been sustained at a higher level than the last quarter of 2010, but continued recovery remains difficult to predict,” he added.

Fisher Capital Management Corporate News: Even Good Economic News Can’t Help the Greenback Now

Summer may be on its way and Osama bin Laden may be dead, but that doesn’t mean the sun is going to shine on the dollar.

Ben Bernanke made sure of that.

The Fed Chairman’s insistence last week that U.S. ultra-loose monetary policy is here to stay not only indicated his lack of confidence in the recovery but confirmed fears the U.S. Federal Reserve is falling behind the curve.

As a result, not even good news will help the U.S. currency now.

Bloomberg Ben Bernanke, chairman of the U.S. Federal Reserve.

See how the dollar has already fallen against the euro this year.

Commerzbank hit the nail on the head when it noted that the euro reached its high against the dollar Monday after, not before, the publication of the latest manufacturing ISM, which came in above expectations. Surprise good economic news normally helps the dollar as it raises expectations of higher interest rates.

“This episode demonstrates: marginal news on the state of the U.S. economy does not matter at present,” the Commerzbank strategy team said.

This will probably become even more obvious as other major central banks, rather than the U.S., continue to point to higher interest rates.

The Reserve Bank of India kicked off the week with a surprise 50 basis point rate rise. With its manufacturing PMI steaming ahead, China is expected to accelerate its de facto tightening with a stronger yuan.

The Reserve Bank of Australia left its rates unchanged earlier Tuesday, but left markets in no doubt that more rate increases are on their way.

Closer to home, the European Central Bank is also expected to leave its rates unchanged later this week, but will more than likely give a signal of another rate rise in June.

As the Bundesbank’s brand new president Jens Weidmann wanted to make clear in his first public utterance Monday, he wants euro-zone policy to be “normalized”.

The Bank of England will also likely sit on its hands at its next policy meeting this week, but that doesn’t mean the debate over whether U.K. rates should rise is dead.

All this means that even good economic news will not save the dollar now.

The true test could well come on Friday with the latest unemployment numbers, data that traditionally should give the dollar direction.

But, if the Fed is saying no change is in sight, even strong non-farm payrolls won’t stop the dollar from floundering.

This whole “good news is bad news” theme was apparent as Osama bin Laden’s assassination by U.S. forces in Pakistan broke.

The initial euphoria that the al Qaeda leader is dead after a 10-year manhunt quickly turned sour as the risk of terrorist reprisals increased.

If that is the case, deteriorating risk sentiment in global markets may give the dollar a little support on the one hand.

But, with interest rate differentials likely to continue moving against the dollar, chances are that the U.S. dollar will extend the decline it has pursued all year, pushing steadily to new lows against other majors such as the euro.

Fisher Capital Management Corporate News: FSA guidelines will signal end of staff retention bonuses

The financial services sector will no longer be able to offer staff retention bonuses, as a result of new payment guidelines from the Financial Services Authority (FSA).New rules put forth by the FSA attempt to align pay and other staff rewards with jeopardy, so as to avoid a situation where employees are given lucrative incentives to engage in potentially risky activities.

Jon Terry, remuneration partner for PwC, explained that the FSA has effectively “introduced the world’s toughest pay rules to the UK financial services industry” and warned that firms must take steps to comply before the June 30th deadline.

He added that while some measures will be welcomed by workers, but bonus restrictions are likely to be less popular.

“The latest announcements will spell the end of guarantees for existing employees, which had been an important tool for firms to retain talent,” he explained.

Last week, expert Chris Welford told the magazine’s readers that more freedom in the workplace can boost staff retention, which could be an alternative strategy for firms.