Archive for year: 2024

The Federal Reserve closely monitors inflation and consumer sentiment trends when making interest rate decisions. Despite concerns over rising inflation expectations, markets largely anticipate that the Fed will keep interest rates steady in the near term. Traders, however, are pricing in potential 0.75 percentage points of interest rate cuts by the end of the year, starting in June.

The index has recovered slightly after dipping to a three-year low in April, but still remains below its January level over deepening concerns about vulnerabilities in the U.S. economy, experts note. The latest Consumer Sentiment Report from the University of Michigan for March 2025 showed a reading of 57.9, representing a 10.5% decline from February. This figure was also below the Dow Jones consensus estimate of 63.2, signaling a notable drop in consumer confidence.

Katona’s pioneering research aimed to provide insights into consumer sentiment and its impact on economic conditions, paving the way for a monthly survey conducted via telephone interviews. Consumer sentiment is a key economic indicator that reflects how optimistic or pessimistic consumers feel about their financial situations and the economy as a whole. The University of Michigan Consumer Sentiment Index (MCSI) is one of the most widely followed measures of consumer confidence, providing insights into spending behaviors and economic expectations.

• In summary, the Michigan Consumer Sentiment Index plays a crucial role in helping institutional investors make informed decisions.
• This monthly survey, conducted by the University of Michigan’s Institute for Social Research, measures consumers’ perceptions regarding their personal finances and the overall health of the economy.
• In conclusion, understanding the impact of MCSI on interest rates is crucial for institutional investors as they navigate complex economic conditions and seek opportunities to maximize returns.
• The preliminary report is typically published mid-month, while the final report is published at the end of the month.
• For example, a rise in consumer confidence levels might signal an upcoming increase in consumer spending, leading to increased demand for certain sectors or industries.
• By monitoring changes in MCSI data, investors can make more informed decisions regarding their investment strategies, asset allocation, and risk management plans.

The University of Michigan’s monthly survey offers valuable insights into consumers’ perceptions on their current financial situation, as well as their expectations for the short-term and long-term economy. Both indices have their merits and limitations, and they can sometimes provide complementary insights into consumer sentiment. Institutional investors might choose to monitor both MCSI and CCI to gain a more comprehensive understanding of consumers’ attitudes toward the economy and their personal financial situation. A comparison of these indices could help investors make more informed decisions regarding asset allocation, risk management, and overall investment strategy.

Conversely, an increase suggests that consumers are more willing to make significant purchases, positively impacting businesses and markets. When using MCSI data for strategic planning, institutional investors should also be aware of certain limitations. The survey’s sample size and response rates may impact the accuracy and reliability of the data, particularly during economic downturns when fewer people are willing to participate in surveys. Additionally, the MCSI may not capture the nuances of specific industries or regions, limiting its applicability for targeted investment strategies. MCSI has a relatively smaller sample size of 500 respondents per month compared to CCI’s larger sample size.

How much does a $400,000 mortgage loan cost each month after the Fed’s October rate cut?

“Inflation and high prices remain at the forefront of consumers’ minds,” Joanne Hsu, director of consumer surveys at the University of Michigan, said in a statement. The Michigan Consumer Sentiment Index (MCSI) is a well-known and widely used measure of consumer confidence in the United States, but it’s not the only game in town. Although both MCSI and CCI share some similarities in terms of their objectives and methods, they differ significantly in various aspects. Erika Rasure is globally-recognized as a leading consumer economics subject matter expert, researcher, and educator. She is a financial therapist and transformational coach, with a special interest in helping women learn how to invest. The University of Michigan releases both preliminary and final MCSI reports during the month, while the Conference Board’s Consumer Confidence Index is typically released on the last Tuesday of each month.

• For institutional investors, deciphering MCSI data can aid in making informed investment decisions and staying ahead of market trends.
• By staying informed about trends and patterns in consumer sentiment and their potential implications, investors can make more informed decisions regarding their investment strategies and allocate capital effectively.
• By monitoring the MCSI’s historical trends and current data releases, investors can stay ahead of economic shifts and position their portfolios accordingly, ultimately optimizing returns.
• Stay tuned as we explore how the MCSI is interpreted and used by institutional investors in the following sections.

Leveraging the Michigan Consumer Sentiment Index for Investment Strategies

It provides insights into consumer spending behavior and is designed to reflect short-term trends in the economy. The Michigan Consumer Sentiment Index (MCSI), a powerful economic barometer, has a rich history rooted in the post-World War II era. The index was first introduced by Professor George Katona at the University of Michigan’s Institute for Social Research during the 1940s.

The University of Michigan releases a preliminary report mid-month, which covers survey responses from the first two weeks. The MCSI is considered a leading economic indicator due to its strong correlation with consumer spending, which accounts for approximately 68.5% of U.S. The Michigan Consumer Sentiment Index (MCSI) is a monthly survey of consumer confidence levels in the United States conducted by the University of Michigan. The survey is based on telephone interviews that gather information on consumer expectations for the economy. The predictive power of the Michigan Consumer Sentiment Index lies in its ability to anticipate changes in consumer spending and confidence. In a healthy economy, consumers are more likely to feel optimistic about their personal finances and the overall economic climate.

Impact of MCSI on Interest Rates

Health care and discretionary consumer goods companies often experience heightened revenue growth during periods of strong consumer sentiment. Conversely, investors can consider underweighting industries more sensitive to economic downturns, such as automobiles or financial services, when MCSI data suggests a potential decline in consumer confidence. Understanding the Michigan Consumer Sentiment Index’s (MCSI) significance extends beyond being a key economic indicator. For institutional investors, deciphering MCSI data can aid in making informed investment decisions and staying ahead of market trends. The Michigan Consumer Sentiment Index was created in the 1940s by Professor George Katona at the University of Michigan’s Institute for Social Research.

Understanding the Michigan Consumer Sentiment Index: Key Insights for Institutional Investors

The survey results suggest that political and economic policies significantly impact consumer confidence. The imposition of new tariffs on steel, aluminum, and other imported goods by the Donald Arbitrage forex Trump administration has fueled concerns about inflation and potential trade wars. As a result, expectations for inflation have risen, intensifying uncertainty about the economy’s future direction. Several factors contributed to this decline, including concerns over inflation, stock market volatility, and ongoing uncertainties related to global trade policies.

His efforts ultimately led to a national telephone survey conducted and published monthly by the university. The survey is now conducted by the Survey Research Center and consists of at least 600 interviews posed to a different cross-section of consumers in the continental U.S. each month. The survey questions consumers on their views of their own personal finances, as well as the short-term and long-term state of the U.S. economy. Each survey contains approximately 50 core questions, and each respondent is contacted again for another survey six months after completing the first one. A decline in consumer sentiment can indicate reduced consumer spending, which is a crucial driver of economic growth.

In summary, the Michigan Consumer Sentiment Index plays a crucial role in helping institutional investors make informed decisions. By understanding how MCSI data affects various market sectors, they can capitalize on trends and adjust their portfolios accordingly. Additionally, tracking consumer sentiment offers a unique perspective on broader economic conditions, making it an essential part of any investment strategy.

The Michigan Consumer Sentiment Index (MCSI), a crucial economic indicator, is a monthly survey conducted by the University of Michigan to gauge consumer attitudes towards their personal finances and the economy as a whole. Established in the 1940s by Professor George Katona at the University’s Institute for Social Research, this survey has become a valuable tool for businesses, policymakers, and investors seeking insights into U.S. economic conditions. In conclusion, although the Michigan Consumer Sentiment Index and the Conference Board’s Consumer Confidence Index share some similarities, they are not identical. Understanding the differences between the two can provide valuable insights for institutional investors seeking to make informed decisions in an ever-changing economic landscape.

The Michigan Consumer Sentiment Index offers institutional investors critical insights into the economic landscape. By analyzing trends and patterns in consumer sentiment data, investment managers can make more informed decisions regarding asset allocation, risk management, and market timing. For example, a rise in consumer confidence levels might signal an upcoming increase in consumer spending, leading to increased demand for certain sectors or industries. The MCSI reflects consumers’ feelings towards their current financial situation and the overall economy, offering insight into their spending decisions and potential future shifts in the investment climate. When consumer confidence is high, they tend to spend more, which can lead to increased demand for goods and services, potentially boosting company profits and stock prices. Conversely, low consumer sentiment might indicate a decrease in spending and, subsequently, reduced corporate earnings and share value.

The Michigan Consumer Sentiment Index is another key indicator designed to illustrate the average U.S. consumer’s confidence level. This indicator is important to retailers, economists, and investors, and its rise and fall has historically helped predict economic expansions and contractions. One crucial area where MCSI data comes into play is the relationship between interest rates and consumer confidence.

To better understand the MCSI’s historical context, let us take a closer look at some key trends and patterns that have emerged throughout its existence. In the post-WWII era, the index exhibited a general upward trend until it encountered significant volatility during the 1970s due to the stagflation period. The index then demonstrated resilience in the face of the 1987 stock market crash and the subsequent recession, with consumer sentiment ultimately rebounding. The relationship between MCSI and interest rates can be observed through the Fed’s decision-making process regarding short-term interest rates, commonly represented by the federal funds rate. When consumers express optimistic views on the economy’s health—as indicated by a higher MCSI score—the Federal Reserve may respond by raising interest rates in an attempt to mitigate potential inflationary pressures. Conversely, when consumer sentiment deteriorates, as indicated by lower MCSI scores, the Fed might reduce interest rates to stimulate economic activity.

By staying informed about trends and patterns in consumer sentiment and their potential implications, investors can make more informed decisions regarding their investment strategies and allocate capital effectively. By analyzing historical trends and patterns in this index, we can gain insight into consumer sentiment, its implications for various economic indicators, and the overall health of the U.S. economy. In summary, the Michigan Consumer Sentiment Index (MCSI) is a valuable tool for institutional investors looking to make informed decisions based on the latest insights into consumer sentiment and its correlation with stock market trends. By monitoring the MCSI’s historical trends and current data releases, investors can stay ahead of economic shifts and position their portfolios accordingly, ultimately optimizing returns.

For trades to be profitable after costs and taxes, ratio movements must be large enough to overcome these frictions. In that case, it makes sense to buy gold and be less likely to invest in silver. A low ratio doesn’t mean that silver is inflated, per se, but it likely means that the yellow stuff is a good buy.

Experts in the field often look to historical patterns, current economic policies, and technological advancements in mining and industry to forecast future changes. The gold-to-silver ratio has experienced dramatic fluctuations throughout history, reaching remarkable highs and significant lows. These extremes offer valuable insights into the economic and market conditions of their respective times. However, even though the law set the ratio in stone, the discovery of gold and silver in the 19th century effected unavoidable changes to the ratio. At various times, the relationship varied wildly, as the addition of new supply or increasing demand as supply waned created a more unstable set of data points.

A Historical Guide to the Gold-Silver Ratio

Either the price of gold is inflated, or the price of silver is too low. The entire premise of ratio trading relies on gold and silver maintaining a price relationship that eventually reasserts itself. The 2025 phenomenon of weakening correlation between gold and silver, currently at their weakest correlation in over two decades, raises questions about this assumption.

• Again, while a low ratio can be seen as a potential buying signal, it’s not a definitive one.
• Another historical element that affected the gold-silver ratio was the manipulation of the prices for one or both metals by various governments.
• This allocation is recommended by experts due to the volatility of silver prices, which has a larger impact on the portfolio’s value.
• Simply put, the ratio measures the number of silver ounces required to purchase one troy ounce of gold.

It’s better to understand the current ratio in fx choice review the context of the general range at that time. The first thing to know is the average range of the gold-to-silver ratio in the recent past. Please note that we did not attempt to use exact numbers for either the spot prices or the ratio itself. While precision is possible when you do this calculation, it is mostly unnecessary, as it is very unlikely that the decimal answer would represent a decision point for us.

Gold Silver Ratio Calculator and Historical Comparison Tool

The primary purpose of the gold-silver ratio is identifying when one metal may be undervalued relative to the other. When the ratio reaches historical extremes, it often signals that mean reversion may be approaching, the ratio returning toward its long-term average. Either way, for the average Joe trader, there’s no question about the importance of the gold-silver ratio.

Gold Silver Ratio Explained: Your Complete Guide

At the time of this writing, the price of gold is hovering around $2650 an ounce. While powerful, the gold-silver ratio has important limitations that investors must understand. The financial investment in gold and other valuable metals can aid diversify your spending profile. Since gold has little or zero connection with equity or bonds, it reduces the danger for you in overall. It’s important to take into account other market factors and conduct your own research before deciding to invest. But a high ratio could potentially be a signal to start paying closer attention to silver.

Historical Events Influencing the Gold-Silver Ratio

But then, as things calmed down following the pandemic crisis, the gold and silver ratio dropped from 126 to its slightly above-average levels of around 70. The gold-silver ratio measures how many ounces of silver are equivalent in value to one ounce of gold. It’s calculated by dividing the current price of gold by the current price of silver. They place bets on the direction of the ratio based on their sense of the likely direction of the prices of one or both metals. The gold-to-silver ratio serves as an indicator of the market’s health and as a compass guiding precious metal investors and collectors. Understanding this ratio helps assess the relative market positions of gold and silver.

• For example, when the ratio is high, it might be a good time to buy silver bullion, and when it’s low, gold bullion may be the better purchase.
• Plus, dealers may have useful charts to help you track spot prices, the gold-silver ratio, and more.
• As we continue to trek through the ever-changing landscape of precious metals trading, the gold-silver ratio remains a valuable companion on our journey.
• She holds a Bachelor of Science in Finance degree from Bridgewater State University and helps develop content strategies.

It can also provide valuable insights into the future direction of precious metals prices. For instance, a steadily rising ratio might indicate that silver will soon become more valuable relative to gold, while a falling ratio could signal the opposite. Imagine standing in a marketplace with an ounce of gold in one hand and a desire to trade it for silver. The gold-silver ratio answers this question, representing the number of silver ounces required to purchase one ounce of gold.

Where to Buy Gold Mining Equipment Near Me

If the metals increasingly respond to entirely different fundamental factors, the historical ratio relationships may lose predictive power. Investors must monitor whether the ratio continues exhibiting mean reversion characteristics. Never use borrowed money or leverage for ratio trades, regardless of how compelling the opportunity appears. To maintain our free service for consumers, LendEDU sometimes receives compensation when readers click to, apply for, or purchase products featured on the site.

The value of gold and silver bullion has generally risen and fallen in relative tandem over time; where gold goes, silver follows. For those who monitor the gold and silver markets, this can feel satisfying, because it makes roughly gauging the relative value of each fairly simple. However, on further inspection, it can be confusing once you begin to understand their different uses in the wider market.

Historically, there is a strong correlation between gold and silver, especially since these two metals are often regarded as safe-haven assets and are used for a variety of similar purposes. Using this strategy simply means that when you notice one asset before another, you receive a signal to buy the asset that is lagging behind. Well, the first method is to directly trade the ratio by buying one asset versus the other. On brokers like Switch Markets, you can trade a variety of commodities, including gold and silver. If your prediction tells you that the ratio is likely to increase, then you buy gold and sell silver, and vice versa. Ratio-based accumulation is a strategy that focuses on the accumulation of gold and silver over time, regardless of their dollar values.

Another historical element that affected the gold-silver ratio was the manipulation of the prices for one or both metals by various governments. For instance, the Gold Act of 1900, which officially put the US on the gold standard, set the price of gold at $20.67 an ounce. That rate lasted until 1933, when President Roosevelt’s gold program devalued the dollar and made gold worth $35 an ounce. Again, while a low ratio can be seen as a potential buying signal, it’s not a definitive one. Other market factors, such as the overall economic climate and gold market conditions, need to be taken into account. Whilst the gold silver ratio seems high now, prices of silver bars and coins could increase considerably in the future, given changing perceptions and increasing demand impacting this ratio.

Olej napędowy to skok o 8 groszy na litrze do 6 zł/l. LPG za to potaniał o symboliczny 1 grosz na litrze do ceny 2,62 zł/l. Jak zawsze trzeba przy ty m zaznaczyć, że paliwa mogłyby byćznacznie tańsze, gdyby nie podatki narzucane przez władze. Z każdegozakupionego litra benzyny bądź oleju napędowego ponad 50% trafia w ręcepaństwa. Bez haraczu na rzecz rządu moglibyśmy tankować benzynę Pb95 po ok.2,60 zł/l, olej napędowy po ok. 2,90 zł/l, zaś autogaz mógłby kosztować ok.1,50 zł/l.

• Na polskim rynku hurtowym od ubiegłego tygodnia widoczne są obniżki cen paliw.
• Średnia cenadetaliczna benzyny Pb95 jest o 19 gr/l niższa niż rok temu, zaś oleju napędowegoo 13 gr/l.
• 6 lipca osiem krajów OPEC+, które wcześniej realizowały dobrowolne cięcia produkcji w wysokości 2,2 mln baryłek dziennie, podejmie decyzję o poziomie wydobycia w sierpniu.

Ile kosztuje benzyna 95, diesel i LPG?

– Powinniśmy oczekiwać spadków cen w średnim terminie, głównie ze względu na to, że mamy bardzo dobrą sytuację na rynku walutowym – stwierdził ekspert XTB Michał Stajniak w rozmowie z ISBnews. Portal i magazyn rolniczy Agro Profil tworzony jest przez zespół profesjonalistów, którzy posiadają fachową wiedzę rolniczą, a także doświadczenie dziennikarskie. Wielu członków prowadzi gospodarstwa rolne zlokalizowane w różnych częściach Polski, dzięki czemu codziennie posiadamy najświeższe informacje i znamy sytuację na polach w całym kraju.

Dane z rynku hurtowego sygnalizują rosnące prawdopodobieństwo podwyżek, szczególnie w przypadku benzyn – prognozują analitycy BM Reflex. Olej napędowy explore commodities market jest aktualnie 12 groszy/l tańszy niż przed rokiem, a benzyna 95 o 19 groszy/l. Za autogaz natomiast płacimy mniej o 45 groszy/l w porównaniu z rokiem ubiegłym – wyliczają eksperci BM Reflex. Średnia krajowa cena benzyny Pb95 wzrosła w skali tygodnia 4 gr/l i na dzień 30 października wynosi 5,88 zł/l. Olej napędowy w skali tygodnia podrożał z kolei 8 gr/l do średniego poziomu 6,00 zł/l. W skali tygodnia litr tego paliwa potaniał symboliczny 1 gr/l do poziomu 2,62 zł/l.

Skrót wiadomości – czwartek, 6 listopada, 21.00

Pierwszy tydzień listopada może jeszcze przynieść wzrost cen diesla, ale w mniejszej skali około 4 gr/l. Tak duża różnica sprawia, że cena diesla w hurcie rośnie zdecydowanie szybciej niż cena benzyny – co później odzwierciedla się na stacjach. W mijającym tygodniu na polskim rynku paliw ponownie obserwowaliśmy wzrosty zarówno cen detalicznych na stacjach, jak i cen hurtowych w rafineriach. Zmiany te wynikają z sytuacji na globalnym rynku ropy, ale także z wewnętrznych uwarunkowań europejskich i regionalnych. Benzyna 95 kosztuje 5,89 zł, czyli o 5 groszy więcej niż przed tygodniem – wynika z najnowszego raportu e-petrol.pl. Diesel zdrożał 9 groszy i za litr kierowcy płacą 6,04 zł.

Cena diesla odbiła na stacjach w górę

Średnia cenadetaliczna benzyny Pb95 jest o 19 gr/l niższa niż rok temu, zaś oleju napędowegoo 13 gr/l. Wyraźnie tańszy niż pod koniec października 2024 roku jest za toautogaz, który tankujemy przeciętnie o 45 gr/l taniej. Na polskim rynku hurtowym od ubiegłego tygodnia widoczne są obniżki cen paliw. Benzyna bezołowiowa 95-oktanowa w hurcie powróciła do poziomu sprzed wybuchu konfliktu pomiędzy Iranem a Izraelem, trwającego od 13 do 24 czerwca. To istotna informacja, bo ceny hurtowe benzyny Pb95, zgodnie z danymi e-petrol.pl, wykazały w czerwcu 2025 r.

Jak wynika z komentarza rynkowego analityków Reflex, obserwowany od 23 października wzrost hurtowych cen paliw (głównie diesla) znajduje swoje odzwierciedlenie w podwyżkach cen paliw na krajowych stacjach. Jeżeli eksport paliwa na Ukrainę utrzyma się na obecnym poziomie, diesel pozostanie droższy od benzyny także w najbliższych tygodniach. 6 lipca osiem krajów OPEC+, które wcześniej realizowały dobrowolne cięcia produkcji w wysokości 2,2 mln baryłek dziennie, podejmie decyzję o poziomie wydobycia w sierpniu. Wszystko wskazuje na to, że zapadnie decyzja o dalszym zwiększeniu produkcji, co może wpłynąć na dalsze zmiany cen ropy na światowych rynkach.

NAJWIĘKSZY PROTEST ROLNICZY OD LAT! 14 listopada kraj stanie – MAPA BLOKAD

Autogaztankowano średnio po 2,62 zł/l, awięc o grosz na litrze taniej niż przed tygodniem. Cena diesla wzrosła więc mocniej niż cena benzyny. To szczególnie istotne dla rolników, dla których olej napędowy jest głównym paliwem w gospodarstwach. Wzrost o 9 groszy na litrze przy pełnym zbiorniku maszyn rolniczych oznacza wymiernie wyższe koszty prac polowych i transportu. Ostatni tydzień czerwca na rynku ropy naftowej zakończył się znaczącym spadkiem cen. W piątek rano notowania sierpniowej serii kontraktów na ropę utrzymują się na poziomie 68,80 USD za baryłkę, co stanowi spadek o blisko 9 USD w porównaniu do poprzedniego tygodnia.

Miedwiediew grozi USA. Chodzi o testy broni jądrowej

Gratką jest również diesel B0 – to olej napędowy pozbawiony biododatków, stąd zachowuje układ wtryskowy silników wysokoprężnych w świetnej kondycji. Właśnie taki ON sprzedaje na swojej stacji Skolim w cenie klasycznych paliw, czyli po 5,53 zł za litr. Kurs USD/PLN pozostawał stabilny w przedziale ok. 3,63–3,65 zł, więc nie miał istotnego wpływu na ceny paliw w hurcie. Jak oceniają analitycy BM Reflex, z rynku zniknęła premia za ryzyko geopolityczne związane z ostatnimi wydarzeniami na Bliskim Wschodzie. Po zawarciu rozejmu między Izraelem a Iranem ruch statków w Cieśninie Ormuz powrócił do normalnego poziomu. Obecnie uwaga rynku ponownie koncentruje się na fundamentach rynkowych, w szczególności na oczekiwaniach dotyczących nadwyżki podaży ropy naftowej.

Lipiec zaczął się od niewielkich wzrostów – cena surowca podskoczyła o ok. 1 proc. 31 października płocka rafineria oferowała paliwo Ekodieselpo zł/m3, co po ovatowaniu daje 5,88 zł/l. To o 16 groszy na litrzedrożej niż przed tygodniem i już o 32 gr/l drożej niż jeszcze dwa tygodnietemu. Przyczyną takiego stanu rzeczy były zwyżkujące notowania oleju napędowegona londyńskiej giełdzie ICE. Tam paliwo to kosztuje obecnie 716 USD/t, choć kilkadni temu ceny dochodziły do 738 USD/t. Dla porównania, jeszcze w połowiepaździernika paliwo to kosztowało mniej niż 650 USD/t.

• Cena oleju napędowego przeciętniew skali kraju podniosła się o 8 gr/l i wyniosła 6,00zł/l.
• W ubiegłym tygodniu notowania ropy Brent wybiły w górę, m.in.
• To szczególnie istotne dla rolników, dla których olej napędowy jest głównym paliwem w gospodarstwach.
• – Powinniśmy oczekiwać spadków cen w średnim terminie, głównie ze względu na to, że mamy bardzo dobrą sytuację na rynku walutowym – stwierdził ekspert XTB Michał Stajniak w rozmowie z ISBnews.
• Benzyna 95 zdrożała w skali tygodnia 4 grosze do poziomu 5,88 zł/l.
• Tanią benzynę 95 oraz diesla na stacjach Auchan można tankować do niedzieli 2 listopada 2025 roku.

I chociaż na stacjach może wydawać się drożej, to mimo wszystko Polacy mają powód do zadowolenia. Ceny benzyny Pb95 i oleju napędowego są niższe niż przed rokiem odpowiednio o 46 i 40 groszy na litrze. Jedynie autogaz pozostaje droższy o 10 groszy na litrze w porównaniu do analogicznego okresu roku ubiegłego. Po kilkunastu dniach konfliktu izraelsko-irańskiego sytuacja na rynku ropy naftowej uległa diametralnej zmianie. Notowania sierpniowej serii kontraktów na ropę naftową utrzymują się obecnie na poziomie dol. Spadek ten widać w hurtowniach, ale nie na stacjach.

W przyszłym tygodniu możliwe niewielkie wahania cen paliw na stacjach – e-petrol (opinia)

W ostatnim tygodniu października średnia detaliczna cenabenzyny bezołowiowej 95 kształtował się na poziomie 5,88 zł/l i była o 4 grosze wyższaniż tydzień temu – wynika z danych BM Reflex. Cena oleju napędowego przeciętniew skali kraju podniosła się o 8 gr/l i wyniosła 6,00zł/l. Po raz ostatni ON był tak drogi na początku sierpnia.

Ulgę dla portfeli kierowców mogą przynieść promocje. Orlen akcję rabatową uruchomi już w piątek 31 października. Podstawową zniżkę 20 groszy za każdy litr paliwa otrzyma każdy uczestnik programu VITAY podczas tankowania dowolnego rodzaju benzyny lub oleju napędowego. Kawy, hot doga, napoju czy innego produktu z asortymentu sklepu stacji daje 35 groszy rabatu. Średnia cena benzyny Pb95 w Unii Europejskiej na dzień 27 października wynosiła 6,53 zł/l (1,54 EUR/l), natomiast diesla – 6,31 zł/l (1,49 EUR/l). Polska ma aktualnie czwarte najniższe ceny benzyny i siódme najniższe ceny diesla spośród krajów UE.

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Help students see where CS can take them through videos, virtual field trips, and hands-on activities that bring real-world pathways to life. Explore flexible computer science (CS) activities for independent learning. Discover resources to support your child’s education and advocate for CS in schools.

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Free year-long curriculum that introduces students to the foundational concepts of computer science and challenges them to explore how computing and technology can impact the world. Can be taught as an introductory class and as an AP course. Computer science opens doors to exciting careers in music, fashion, space, social impact, and more.

Build lifelong skills

• Music Lab is a programming environment where students are the producers!
• Learn the basics of computer science by programming Alex or Steve to move through a simulated piece of a Minecraft world.
• If you’d like to see them taught at your school, consider working with a teacher to bring them to your class.
• We thank Microsoft for supporting our vision and mission to ensure every child has the opportunity to learn computer science and the skills to succeed in the 21st century.

Computer science is the foundation of much of the technology that underpins our lives. Learning CS empowers students to understand and shape the technology that impacts their every day lives in a changing digital world. Discover internships and apprenticeships that offer real-world experience and insight into careers in computer science and tech fields.

Connect with mentorship programs and peer communities that support students exploring computer science and technology careers. Unleash your creativity with one of our programming tools as you build from your imagination. All tutorials are available in many languages and compatible with modern browsers and tablets. An introductory course that empowers students to engage with computer science as a medium for creativity, communication, problem solving, and fun. If you’d like to see them taught at your school, consider working with a teacher to bring them to your class. Find scholarships to help fund your education in computer science and related fields, including opportunities for underrepresented students.

Minecraft Escape Estate

We thank Microsoft for supporting our vision and mission to ensure every child has the opportunity to learn computer science and the skills to succeed in the 21st century. Use your creativity and problem solving skills to explore and build underwater worlds with code. Bring coding to life with Minecraft-themed Hour of Code tutorials. Choose from beginner-friendly activities on Code.org and immersive experiences from Minecraft Education. Introduce students to software engineering and object-oriented design while they learn the Java programming language in this free curriculum for AP® Computer Science A (AP® CSA). In addition to courses, we have programming tools that let you explore your creativity and make something amazing.

Discover real-world CS with resources that excite and inspire students. Explore career pathways through virtual field trips and hands-on activities. Computer science is a gateway to careers in nearly every field. A recent study shows that students with CS education earn 8% more by age 26, highlighting how early exposure can unlock valuable career and economic opportunities.

Online Courses

• All tutorials are available in many languages and compatible with modern browsers and tablets.
• Explore our large library of engaging and informative videos to learn about key computer science concepts on a broad range of topics.
• Connect with mentorship programs and peer communities that support students exploring computer science and technology careers.
• The Artificial Intelligence (AI) Foundations is a free, flexible curriculum which introduces students to the core principles and real-world applications of computer science.

Your efforts help us inspire future innovators and bridge the tech education gap. Go beyond the introductory tutorial with extended project ideas. Browse a library of examples of more complex dance parties. Makes connections between learning computer science (CS) and other subjects like math, language arts, science, and social studies.

Learning for Ages 5 to 11

Please upgrade your browser to one of our supported browsers. You can try viewing the page, but expect functionality to be broken. Get creative when you use code to make animated characters bust a move in this introductory activity. Learn more about Code.org’s advocacy work across the U.S. and the ten policies we recommend states adopt to make computer science foundational for all students. Plus, find out how you can drive change in your state. Support our mission to make computer science accessible for every child, everywhere.

Begin learning computer science with engaging, self-paced courses. Designed for independent learning, these courses cover foundational skills and offer hands-on coding careers for beginners projects to bring coding concepts to life. Explore how AI is shaping our world through free curriculum, videos, and integrations that make artificial intelligence accessible and inspiring. Go at your own pace with this introduction to the App Lab programming environment, in which students use JavaScript to create interactive apps.

Try a one-hour Hour of Code tutorial featuring popular games and movies like Minecraft, Frozen, and Star Wars. Many tutorials are structured like games, designed to teach basic computer science concepts in fun, engaging ways. Comprehensive curriculum offerings for every grade and experience level featuring robust structured and self-paced learning options. Explore our large library of engaging and informative videos to learn about key computer science concepts on a broad range of topics.

Minecraft Hour of Code activities

Learn to create computer programs, solve problems, and work through fun challenges. Sprite Lab is a block-based programming environment where you can make simple animations and games with objects and characters that interact with each other right in the browser. Music Lab is a programming environment where students are the producers! Using its large selection of sounds, including songs from popular artists, students work in Music Lab to create new mixes using code.