Critical Thinking is Crucial To Your Business. Learn Why!

Digitalization has led to a rapid transformation of the media ecology which is characterized by the buzzwords of multimedia, multiplatform, multiformat, multilingual and multichannel. Digital convergence has changed the traditional modus operandi in our personal, professional and socio-economic and cultural life. It is generally believed that computer-mediated communication heralds ‘a future that is both utopian and dystopian, in that the human experience will change dramatically.

The consequent ineluctable topography, enabled by digitally-networked wireless and wired technology, provides ubiquitous, interactive and engaging media experience. It has accelerated the generation of massive streams of user-generated content (UGC), particularly by the younger generation. The incessant avalanche of content in the form of discourses, news, information, images, audio and videos from consumers-turned -producers, juxtaposed alongside the content of journalistic, educational, commercial, organizational, institutional and government websites, has overwhelmed the citizenry.

It is unrealistic and impossible to regulate the big data which has inundated our society which is described as the information society, creative economy and knowledge society. ‘Self-regulation is flawed, but statutory regulation or even co-regulation of “the press” is unrealistic in the digital age when it is no longer clear what is journalism. Self-regulation of the press is flawed, but reform is no easy matter’. European and national legislation suffers a similar fate as it is beset with the ‘difficulty and inefficiency of passing and enforcing regulation relating to the media by reason of its size, transnationality and mutating nature’ (EC – Final Report, 2009)

In such a regulatory vacuum deconstructing and decoding media, representation is problematic even for the discerning educated. Lasswell’s classic questions: ‘What is what? What comes from where? Who produces what? Who is who?’ are relevant. (Lasswell, Harold Dwight,1948) How can content be checked for accuracy or comments for fairness or objectivity? Is media literacy a substitute for media regulation or simply a shift from protectionism to empowerment? A probable solution is media education.

How conducive are UK’s political environment for media literacy and digital literacy? Buckingham identifies two roadblocks, both related to policy; first, the marginalization of media literacy resulting from the preference for digital literacy as opposed to media literacy for the primary school curriculum and second, the option for cultural policy, rather than educational policy as stated by ‘Digital Britain’ report.

However, the UK government actively promotes the digital economy and stresses the importance of a corresponding education system. The mantra for this was formulated in the government’s technocratic report entitled ‘The Digital Britain Final Report, 2009’. In its 2015 UK ‘Digital Strategy – the next frontier in our digital revolution’ the UK government has claimed that ‘digital is in everything, digital skills are increasingly vital for everyone’s lives where most jobs over the next 20 years will involve some level of digital skills but has failed to make any reference to higher order thinking skills when suggesting to make digital skills our education system, and that people can keep their skills updated throughout their lives.’

It stresses on the importance of digital skills to meet the demands of industrial society as the government’s National Report aims to achieve four objectives: (a) to inspire and enable individuals to develop their capabilities to the highest potential levels and to contribute effectively to society and achieve personal fulfillment; (b) to increase knowledge and understanding and to foster their application to the benefit of the economy and society; (c) to serve the needs of an adaptable, sustainable, knowledge-based economy at local, regional and national levels; and (d) to play a major role in shaping a democratic, civilized, inclusive society. The economy currently has a mismatch of employment skills to requirements.


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Rates of Mortgage at a Peak Point After Rising Today

Mortgages Rates moved lower today at the lowest peace of the month. For the third time last year, the 4.013% worst-Execution rate on 25yr unfixed loans are in a big question. If rates move much lower from there, the middle average worst-Execution rate across three-multiple lenders will be rising forward to 5.1% and for quiet, a lot of lenders, are just here.

Yesterday we got began off a sour note for rates without the early day news that Greece was closed to finalizing the terms of their most recent bailiff. This wasn’t any surprising game-changer but had made enough damage to bondless markets, which are tending to offer lower interest rates in times of economic uncertainty. As a successful bailout relieves some uncertainty, rates generally moved higher, including mortgage rates.

Several European officials gave there various hints of view on where the bailout negotiations meant and what they did not mean over the course of the night, and this caused a decent amount of volatility, which never really subsided. Although bond markets are currently no worse off than where they started the morning, MBS, the “mortgage-backed-securities” that are most directly responsible for your mortgage rates, don’t perform as well when things are volatile.

Tonight is another one of those “high-risk events” that we sometimes discuss. But this time, it’s not high risk due to an actual EVENT, but rather due to the general ENVIRONMENT. What’s at risk is that, at current levels, mortgage rates are somewhat susceptible to experiencing a drift away from the 3.875% Best-execution that has prevailed for most of the year. This means that tomorrow’s trading direction is very important. If bond market yields are generally falling, then rates will probably ease back down comfortably into 3.875% across the board, but if rates are rising recently, opportunities for current best-ex rates could begin evaporating unfear lowest.

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