#jso2017

[kacamataomfriz]

“Many people learn how to talk, but they don’t learn how to listen. Listening to one another is an important thing in life and music tells us how to do that” - Claudio Abbado . . . Open rehearsal @jogjastudentorchestra . . 📷 @johanesjeff . . #jogjastudentorchestra #hartono #music #orchestra #passion #conductor #jso2017 #konserpendidikan2017 #people #learning (at Hartono Mall Jogja)

[kacamataomfriz]

See you besok malam bersama @jogjastudentorchestra dan @psmcf_usd di Auditorium Driyarkara Universitas Sanata Dharma 🙌 . . . . 📷 @kevinemiliou #orchestra #wesudah #konser #konserpendidikan2017 #jso2017 #jogjastudentorchestra #tukarjiwa #mkhitaryan #martial #rashford (at Auditorium Driyarkara, Universitas Sanata Dharma)

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U.S. Consumer Sentiment Plunges to 2-Year Low: What It Means for Inflation, Jobs, and Your Wallet in 2025

As of March 28, 2025, the United States is experiencing a sharp decline in consumer sentiment, indicating increasing anxiety about economic stability and future expectations. The University of Michigan's most recent survey shows a dramatic fall in its Consumer Sentiment Index, falling to 57.0 in March from 64.7 in February, the lowest since November 2022. ​ Understanding the Consumer Sentiment Index The Consumer Sentiment Index, which is provided by the University of Michigan, is a principal gauge of confidence in the U.S. economy held by the American public. It tracks personal finance, overall economic situation, and buying attitudes. A decline in the index means that consumers are pessimistic regarding their financial situation and the overall economic situation, which can lead to decreased spending and slower economic growth. Reasons behind the Decline Some of the most significant reasons that the consumer confidence has dropped recently include: Inflation Anxiety: Persistent inflation eroded purchasing power, making the average consumer spend more on goods and services. During February, the Personal Consumption Expenditures price index grew by 0.3%, maintaining its 2.5% year-over-year gain. Core PCE, the measure of prices minus volatile food and energy costs, grew 0.4% in February and 2.8% from a year ago. ​ Trade Tariffs and Global Agitation: Placing new trade tariffs has added economic uncertainty. President Donald Trump's recent tariff declarations have increased worry about increased prices of foreign-made goods and potential retaliatory moves by trade partners. Such trade activism has ignited consumer  uncertainty about the general economic situation. Labor Market Anxiety: Rising fear around the labor market has also impacted consumer confidence. Two-thirds of consumers reported that they expected more unemployment over the next year, the most apprehensive since 2009. Fear around employment opportunities might lead to reduced consumption, hence even weaker economic growth. ​

Impact on Financial Markets Financial markets have experienced the fall in consumer confidence rebound through them: Stock Market Drops: The big indexes have dropped. The S&P 500 fell 2%, and the Dow Jones Industrial Average and the Nasdaq Composite also took large drops. Investors are frightened by economic slowdown fears and a possibility of stagflation—a condition characterized by slowing growth and rising inflation. Bond Market Trends: The yield on the 10-year Treasury note declined to 4.26%, reflecting a shift into safer assets as investors seek shelter from market risk. ​ Financial Times Consumer Spending Trends Despite the decline in sentiment, consumer spending increased by a modest 0.4% in February. Adjusted for inflation, real spending growth was modest, which means that even though consumers are spending more in nominal terms, their real consumption has not been increasing significantly. Such mediocre growth in spending is worrying for the sustainability of economic growth. Inflation Expectations Inflation expectations have increased, with consumers predicting a 5% average rate of inflation in the next year and 4.1% in the next five years. Such higher expectations can affect the behavior of consumers, leading to reduced spending and increased demand for higher wages, which can, in turn, propel inflationary pressures. ​ MarketWatch Regional Perspectives In Florida, and in towns like St. Cloud, the ramifications of deteriorating consumer attitudes are being experienced. Local shops can observe slower traffic and sales as local consumers grow more cautious in their spending. The state's tourism industry, a staple of the Florida economy, could also be affected if consumers nationwide curtailed travel spending.​ Strategies for Consumers In light of these occurrences, consumers might utilize the following strategies: Financial Planning and Budgeting: Recalculation and recasting personal budgets to incorporate rising costs can help keep expenses under control. Emergency Fund: Establishing or restoring an emergency fund can provide a measure of financial protection if a job is lost or unexpected expenses occur. Investment in Human Capital: Investment in additional education or skills can improve employability and job security in an potentially more constrained labor market. The latest decline in consumer confidence emphasizes the troubles facing the U.S. economy, such as persistent inflation, trade tensions, and labor market challenges. As consumers progress through this complex setting, being very well-educated and exhibiting good financial practices will be crucial for minimizing the impacts of these economic headwinds.

Source: U.S. Consumer Sentiment Plunges to 2-Year Low: What It Means for Inflation, Jobs, and Your Wallet in 2025

[kacamataomfriz]

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Open Rehearsal @jogjastudentorchestra di Hartono Mall kemarin. Jangan lupa saksikan Open Rehearsal ke-2 kami pada 11 November 2017 pukul 16.00 WIB di titik 0 km SO 1 Maret. FREE! . . . Dan jangan lupa saksikan Grand Concert kami 25 November 2017! . Belum beli tiket Grand Concert #konserpendidikan2017 "Suara Bangku" karena bingung perbedaan harganya? Jangan bingung dong😉 Perbedaan harga hanya membedakan lokasi tempat duduk aja kok! Gak ada perbedaan fasilitas apa pun selain sudut pandang kalian sewaktu Grand Concert Kategori tempat duduknya apa aja sih? 🔸Romansa: Rp 100.000 🔸Rendez-vous: Rp 90.000 🔸Nostalgia: Rp 80.000 🔸Balad: Rp 70.000 🔸Avant-garde: Rp 60.000 Yuk buruan beli tiketnya supaya kamu dapat tempat yang paling nyaman untuk menikmati pemampilan kami! Tiket bisa dibeli melalui tiketapasaja.com dan Legend Coffee Yogyakarta (dekat kridosono) 😁 Sampai jumpa tanggal 25 November 2017 di Auditorium Driyarkara pukul 18.00 WIB! Salam pendidikan dan salam budaya! Further information IG: @jogjastudentorchestra Line: @yto8382n Facebook: Jogja Student Orchestra Website: jogjastudentorchestra.com tiketapasaja.com . . #konser #konserpendidikan2017 #eventjogja #orkestra #remaja #indonesia #anak #music #musik #jso2017 #jogjastudentorchestra (at Hartono Mall Jogja)

[kacamataomfriz]

"Yang namanya Jagoan harus membela yang lemah, yang namanya jagoan harus rela berkorban!" - Sherina (Jagoan - Music by Elfa Secioria) . . . Studio Recording @jogjastudentorchestra at @tvrijogjamemangistimewa . . . #jso2017 #konserpendidikan2017 #recording #studio #concert #music #children #musicforchildren #jogjastudent #jogjastudentorchestra #tvrijogja #tvri #happy #sherina #elfasecioria (at TVRI JOGJA)

[kacamataomfriz]

Muda berkarya! Sharing santai @jogjastudentorchestra bersama co-founder @jktmovein yang sangat menginspirasi, sesuai dengan namanya: Movement of Inspiration. . . . Selamat atas suksesnya show @musikalpetualangansherina selama 3 hari ini! Sukses untuk show - show lainnya! #respect #musikalpetualangansherina #sherina #jakarta #jktmovein #konserpendidikan2017 #jso2017 #jogja #mudaberkarya #goodjob (at Jakarta, Indonesia)

[kacamataomfriz]

"Perbedaan" itu anugerah. Perbedaan itu karunia yang harus kita syukuri. Orkestra menjadi indah karena perbedaan yang ada di dalamnya. String section, wind section, percussion, brass, combo band, memiliki warna dan karakter yang berbeda. Akan tetapi, ketika mereka bersinergi dalam satu harmoni maka akan muncul "keindahan". . . Dari, oleh, dan untuk Pelajar. Dari Jogja untuk Indonesia. 🇮🇩 🇮🇩 🇮🇩 . . . In frame: @jogjastudentorchestra - mini concert "DAFTAR PUTAR" 12.05.2017 📷 @luthfan_fauzan . . #music #orchestra #indonesia #jogja #pelajar #pelajarjogja #konserpendidikan2017 #jogjastudentorchestra #jso2017 #untukindonesiayanglebihbaik (at •Societet Tby•)