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But even at its lowest point, interest rates were just 0.18 percentage points higher, not a quarter-point rise in interest rates. Palmer said: "I'm worried about the British retailers are now in the midst of a perfect storm, interest rate decisions in November, rising inflation, real wages, falling credit availability and the UK to take off the European uncertainty increased, these during the Christmas season for caused an unprecedented pressure on household budgets, pushed consumer confidence to historic lows. "Historically, the concept of income has first appeared in economics. Adam Smith, in the wealth of nations, defined income as "the amount of consumption that is not eroded by capital", and saw it as an increase in wealth. Later, most economists inherited and developed this view. 1890, ai (Alfred Marshall Maarshell) in its "the principles of economics," the Adam Smith's "wealth increase" enterprise, introduced the concept of earnings, is proposed to distinguish the entity capital and value-added benefits of economic benefits. Advertisement Economist lynde hull explained that the benefits of capital in different periods of time would be interest. According to linde hull, interest in a specific period and the difference between the expected consumption is savings (during the period of the growth of capital), and returns the sum of consumption and savings are given period of time. Rishikesh is not just a location to experience spirituality, it's also referred to as the river rafting capital of India. It provides the best sort of setting for several adventure activities. River rafting in Rishikesh can be a lifetime event. Rishikesh which is the centre of yoga and beautiful temples is another visual spectacle due to its beautiful scenery. The Himalayan foothills and also the lush greenery makes Rishikesh just about the most preferred destination.