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In a well-researched recent study, one industry expert wrote about the evolving technology facing the financial industry and predicts the consequences for the various stakeholders: banks primarily, telcom, card networks, handset manufacturers, merchants, and of course, consumers. The report – titled, “Emerging Mobile Payments Landscape: a study of the proximity payments ecosystem and its inhabitants while building a business case” – is a thoughtful and precise paper, outlining the strategies and challenges for not just the industry, but specific players like PayPal, Square, Serve, ISIS, Google and others.
The changing landscape in a financial system based firmly on 1950’s technology has far-reaching consequences. First and foremost, the big bank model we’ve come to know and love will have to adapt. The paper begins by declaring that the entrenched status quo better wake up if they want to survive the already-begun wave of innovation in mobile payments capabilities:
“Those who question the significance of the threat posed by these technology upstarts to the entrenched incumbents may not find comfort in the seminal book “Innovator’s Dilemma” authored by Clayton Christensen. He posits that well run companies are slow to react to disruptive innovations to its value networks. With the emergence of mobile payments, banks are at the cusp of a revolution, brought on by both technology and shifts in customer payment modalities. At a time when declining interchange revenues (to the tune of $6.6B per year) brought on by regulatory changes compel banks to look for new revenue streams, mobile payments offer a ‘blue ocean’ opportunity.”
This point should both scare and inspire banks and their leaders. It should scare them because there is no doubt that the numerous innovative start-ups in this space (with Nooch right there with the best) are driving the future. That has been true of not just mobile payments, but also of mobile in general. We can sometimes forget that many of Google, Facebook and PayPal’s best technologies/features were only added after they acquired a less-prolific company with an innovative improvement. Small, agile companies are being led by a bright new crop of entrepreneurs who have an almost innate understanding of the Age of the Internet, where communication, engagement and commerce are expected to be ubiquitous and seamlessly integrated into their lives.
It should inspire them because this disruption should have been seen coming for decades. The shrinking of the planet and the increased interconnectedness necessitated a more efficient, reliable and adaptive financial system. And the wonders of the internet – granted only 20 years old – are only now beginning to be realized in the old-school banking world.
They must understand that the world isn’t changing… it’s changed. The technical possibilities brought about by social networks (a sociological phenomenon), mobile computing (a technical phenomenon) and an increasingly digital consumer (an economic phenomenon) offer too many advantages to ignore.
But it’s got to be done right. And today’s consumer – especially the Gen-M we’re all getting used to – has vastly different expectations and habits than the “I-still-use-paper-checks” generation. In other words:
“Customers are no longer willing to change behaviors; they expect products and services to adapt to their needs… The banking industry is in the midst of a seminal shift, where banks are waking up to the realization that banking is no longer just about product, services and technology. Rather, it’s about simplicity and providing an experiential journey for its customers. The primacy of customer has been reestablished. By… improving the overall customer experience, banks can enchant their customers and create lifelong fans.”
Which is exactly why Nooch is bringing the most customer-oriented solution to the Mobile Payments space. For example, there have been several iterations of SMS-based person-to-person money transfers. But they all required the user to master various keywords, text commands and formats in order to send money. And they had to know their recipient’s phone number (at least, and often much more info than that, such an account number). But come on… who among us – especially ADD Gen-M’ers – is going to take the time and put in the effort to do that? Ergo, dustbin.
Nooch, on the other hand, is learning from the past and iterating the most consumer-focused P2P product. Here are three ways Nooch has improved the user experience:
- Senders just need the recipient’s name. By utilizing the new social network phenomenon – which compiles immense amounts of data like names, profile pictures and friends – Nooch users can find their recipient with only their name. Connect to Facebook, find your friend, tap on their face. Nothing could be simpler.
- One really good feature. PayPal is really, really good at one thing: facilitating online merchant transactions. Square is really good at small-dollar PoS transactions. But when they or others (i.e. Dwolla, Venmo, others) try to load up every feature they can think of, the product looses relevance and becomes diluted. Nooch is not going to have a “tip calculator” icon on the home page of its app. Why should it? Honestly, it takes longer to actually calculate the tip using that “feature” than just doing some estimation in your head. I’m not going to use it, so I don’t want to see it. Especially not on the main page of the app. Nooch offers simple P2P money transfers for situations when you need to give a friend cash (for anything, a bet, lunch, debt, birthday, whatever) in a non-merchant setting. No need to conquer the globe. Just provide a superior service that is reliable, simple and affordable.
- Nooch is designed to be a mobile product. PayPal requires all users to sit down at their computer for certain functions like changing account info or loading a new bank account. Well, what if you’re not in front of your computer? Not very helpful. All Nooch functions can be performed right from… well, wherever you are.
“Non-traditional players are more focused at owning the customer experience.” Banks “must ensure an optimal overall customer experience, regardless of volume. Most importantly, it must learn to engage customers where they are encountered, and not force them to switch channels for resolution or acknowledgement.”
Exactly. As mentioned above, consumers don’t want to change what they do. They already use credit (or increasingly, debit) cards and they like it. It is extremely simple and quick… just hand it over and swipe, and sometimes sign. So why would a consumer all of a sudden start trying to use an app (however sexy or functional) on their cell phone to “beam” money to the merchant, who must also commit to such a change by investing in the necessary hardware/software to even accept the payment.
They need a more compelling reason and it must be relevant to their daily life. Nooch solves a problem that every college student faces almost every day: not having cash on you when you have to give someone cash. They don’t write checks, and they don’t like ATMs. They usually resort to the ever-hated IOU. But why? Why isn’t there a simple way to digitally send that cash and just be done with it. We don’t need a fancy inventory control database system, or a special receipt printout, or even 100 reward points or prize. We just want to give the money quickly and with as little pain as possible.
BUT, none of this means that Generation-M doesn’t care or think about the security of their personal financial data. Sure, people under 30 probably never read the iTunes updated ToS and most wouldn’t think twice about giving their name or interests out on the not-so-anonymous-anymore internet. Security matters. Just look at Sony this year. Millions of profile’s data was compromised and stolen presumably to be sold on the black market to off-the-radar advertisers (i.e. spammers.) The costs to business and consumers alike can be staggering: companies around the globe lost $1 trillion from data loss in 2008 alone, according to a 2011 McAfee report.
Nooch takes a proactive approach to mobile commerce security. Nooch takes advantage of Geo-location (a very recent innovation in the average mobile device), device-linked accounts, multi-factor authentication, social networks – along with traditional security processes like private, co-located secure servers, PIN technology, PCI compliance, SAS-70 certification, VeriSign certification, government grade encryption, and more – to deliver the most reliable service on the market.
When you dig deep, though, it becomes clear that mobile commerce will actually be exponentially more secure than the retiring modes of commerce it is supplanting. A recent FBI report indicated that credit cards alone represented the majority of the total $315 billion U.S. financial fraud loss. Check fraud is still rampant, and even growing.
But mobile payments companies like Nooch offer the latest in digital security, encryption and other novel approaches that put the criminals and fraudsters on the defensive and block virtually every traditional fraud scheme.
P2P Mobile Payments should be something users should spend very little time thinking about. That’s what Nooch does, and that’s what we do very well.


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BY COMMUNITY IMPACT NEWSPAPER – Vitality Bowls, a cafe and eatery specializing in acai bowls, will open at 210 N. Edward Gary St., Ste. 2012, San Marcos, inside The Local Downtown apartment complex, this spring.
The menu includes a variety of options, such as the Energy Bowl with organic acai, goji berries and bee pollen; the Dragon Bowl featuring pitaya, coconut milk and bananas; and the Vitality Bowl with acai, strawberries and honey.
Fresh juices, soups, paninis and salads will also be available.
The cafe will include a full-service coffee bar serving items, such as the Acai Latte, made with espresso, acai, coconut sugar and steamed almond milk.
Vitality Bowls will be run by local franchise owner Ashley Wright, who also plans to open a location in San Antonio, according to a news release. The company is based out of Northern California and was founded in 2011. www.vitalitybowls.com

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The Labour Party wants minimum pay and work conditions to apply across certain sectors in order to scratch out anomalies, such as workers being paid different rates for the same job.
Party leader Phil Goff and labour issues spokeswoman Darien Fenton launched the party's work and wages - previously called employment relations - in Hamilton today.
The centre-piece of the policy is the establishment of an independent Workplace Commission within a year to set up industry standard agreements, where appropriate.
The standards would apply as a statutory minimum across the entire industry, regardless of individual contracts or whether the workers were part of a union.
"The commission would determine the 'norm' of the standards already applying in collective agreements in a particular industry and extend those to all workplaces in the industry where there is no collective agreement," Ms Fenton.
Small businesses may be excluded, such as grocery store workers if there was a standard across supermarkets.
"The commission would be able to take the potential impact on small businesses and employment into account during its deliberations," she said.
"This is not about a return to central wage fixing, or compulsory unionism. Workers will not have to join a union to be part of an Industry Standard Agreement, but unions will have access to workers in the industry to talk about the standards, as they do now."
But it would be an opportunity for unions to raise their profile and boost membership.
The model was used widely, including in Australia, she said.
Labour would also:
# Repeal the 90-day trial period for new workers
# Repeal the change to the law around film workers that was made during the furore around the Hobbit films
# Lift the minimum wage to $15 an hour
# Ensure public holidays that fall on weekends are carried forward to Monday
# Restore reinstatement as the primary remedy when an employee has been unjustifiably dismissed.
Unions welcomed the policy announcement of industry standards.
"There are many industries that differ hugely in the wages paid to their workers, for the same work," said FIRST Union general secretary Robert Reid.
"The food retail industry is a classic example. Retail workers at Countdown, where there are greater numbers of workers bargaining collectively, are paid much more than those at Foodstuffs' Pak'nSave and New World supermarkets, where more workers are on individual agreements."
He said the policy would prevent employers from undercutting agreed industry standards.
Service and Food Workers Union national secretary John Ryall said workers in aged care that do the same job should get the same pay.
"We have a member doing exactly the same work for one aged care employer, employed on a collective earning $2 more than in her other job where she is employed on a worksite with no collective and paid close to the minimum wage."


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COMEX waiting to snap
Since the April gold price ‘take down’ we have witnessed the registered COMEX gold inventory reduce by a staggering 80% (with reportedly much of that off to China). December is historically by far the biggest physical delivery month but rather than the usual close outs or roll-overs of future contracts to the next month we’ve seen after the first delivery day on Friday an incredible 10,157 contracts (equating to 1,015,700 ounces) standing for delivery against an inventory of only 590,820 ounces. So in simple terms nearly twice as much gold as is held can be called upon for delivery. This has never happened before in nearly 40 years of COMEX’s history and you can see why we keep harping on about ‘paper gold’ v physical gold. With 26 days left to the end of the delivery period on 31 December it could well be an interesting New Year’s eve for owners of real gold.


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Investment in new tech including number plate recognition software at petrol station chain Caltex, means you may never need to leave your car to pay for fuel again.
AGL customers will soon be able to avoid the pain of sitting on the phone for hours, as the power company introduces WhatsApp style mobile messaging.
"I don't have an official diagnosis," said the mother of Tristan O'Tierney, who co-founded the payments company with Twitter CEO Jack Dorsey, adding that his death was probably related to his addiction.
If you've ever been in a job interview and experienced a robotic HR exec, you'll be unsuprised to know that AI could do it better ... and a Sydney start-up has raised funds to do it.
Industries from agriculture to healthcare could boost their efficiency and productivity by adopting more digital technologies, a report by the Office of the Chief Economist says.
ParkJockey, founded in 2013 by entrepreneurs Ari Ojalvo and Umut Tekin, has announced an investment by Japanese conglomerate SoftBank.
Australian artists and educators are questioning why their content is being treated the same as illegal porn by web giants.
Ninebot has quietly become the single-biggest source of scooters deployed in US cities and investors are pouring in hundreds of millions of dollars.
Palestinians hope others will follow home-rental company Airbnb, but Israel sees its move as a "wretched capitulation" and threatens action.
Prayer-by-proxy companies make summoning a godly intercession as easy as ordering a pizza.
His own cancer diagnosis prompted Justin McLean to set up Thrivor, an app that smooths the journey through serious illness.
Apple, the word's most valuable company, said Donald Trump's tariffs would increase the cost of many of its products and be an a tax on consumers.
The battle to provide the booking and management software for doctors' surgeries has intensified with a capital raise, as HotDoc seeks to topple controversial rival HealthEngine.
Foodora's administration raises questions over the gig economy's sustainability without workers' entitlements in the much-discussed 'future of work.'
Shares of Electric car maker Tesla tumbled about nine per cent after CEO Elon Musk conceded in a newspaper interview that job stress may be getting the best of him.
Spotify, the music-streaming company that's gained 47 per cent since its April debut, attracted several prominent hedge funds in the second quarter, including George Soros's Soros Fund Management.
In the past 12 months, fuel-delivery app Yoshi has spread from three US cities nationwide to 16, picking up investments from superstar athletes Kevin Durant and Joe Montana along the way.
Bankwest is looking to end the age-old frustration of lengthy call centre chats with a new app messaging service that lets customers pick up where they left off on any device.
One region has taken five spots near the top of Bloomberg's Index of cost of lodging in private dwellings, due to high hotel and apartment costs and strong tourism.
Last week's whopping €4.3 billion ($6.8 billion) antitrust penalty by the EU against Google shines an uncomfortable light on the concentration of power in a handful of companies.
JPMorgan recently rolled out a mobile bank aimed at young Millennials who don't need branches. I tried it out, and some of its features should worry personal finance start-ups.
The 3000 employees at the ride sharer's Silicon Valley-style offices have public transport in their sights.
Britain's struggling bars and restaurants could earn billions more each year by adapting their opening hours to app-using consumers, says Barclays.
When software is new, we pay attention to it; when it seems familiar like a PDF, we lose interest. So here's the Hands On guide to making the most of PDF.
Warren Buffett proposed investing $US3 billion in Uber earlier this year, but the talks fell apart on terms and size of the deal.


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The Walking Dead newcomer Princess has taken the cover of Volume 29.
Volume 29, which will be titled "Lines We Cross," features the extravagant new character who first appeared in issue #171. The volume begins with issue #169 and runs through issue #174, the last issue before the New World Order storyline takes effects. Issue #174 hit shelves in December but Volume 29 is set to be published on March 13, 2018.
Check out the cover of The Walking Dead Volume 29 below.
Princess is already a fan-favorite character despite only appearing in a few issues. She was took the cover of issue #171, where Michonne's group met her on their journey toward Ohio. Her fast-paced, silly personality was a change of scenery for readers who have come accustomed to more serious characters. Princess, however, wears a pink fur coat and carries some weapons bigger than her voice. Not to mention, she covers her face in some big ole goggles beneath her wild hair.
New issues of The Walking Dead comic are published monthly. Issue #175 will hit comic book stores in January of 2018. The Walking Dead returns for the second half of its eighth season on February 25, 2018. For complete coverage and insider info all season long, follow @BrandonDavisBD on Twitter.


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Air New Zealand has released its schedule of flights to get stranded New Zealanders home from New South Wales, which is dealing with a major COVID-19 outbreak.
Bookings opened Monday morning with flights departing from Tuesday. Seats will be restricted to the number of spaces available in managed isolation facilities (MIQ) rooms provided by the New Zealand Government.
Flights available with Air NZ can be booked via the airline's website and will be on sale from 10am on Monday, July 12.
Additional information for booking with Air NZ can be found on the airline's Travel Alerts page.
Managed return flights from Sydney will be available from Tuesday, July 13 and will operate to Auckland and Christchurch only.
On arrival, travelers will have to go straight into MIQ.
Eligible Air NZ customers in NSW are encouraged by the airline to follow the steps below:
For a standard booking:
Check Air NZ's website to book managed return seats
Once a customer has secured a flight booking, their MIQ space is automatically confirmed There is no need to book a place in a MIQ before booking with Air NZ as managed isolation bookings are automatically assigned to a customer's flight
If unsuccessful, keep checking back online for available flights
As more MIQ allocations are provided, more corresponding seats will be made available for booking
Stay updated on the latest travel requirements via the COVID-19 website before attempting to book travel.
For compassionate consideration:
The Government is managing compassionate requests for returning travellers
If customers wish to apply for a compassionate ticket on the basis of urgent and exceptional circumstances, they will need to contact the Government directly on +64 4 439 8235 or email@example.com.
Air NZ's Chief Customer and Sales Officer Leanne Geraghty said that while the airline is doing all it can to facilitate the return of Kiwis home from NSW, not everyone will be able to travel immediately.
Air NZ's schedule up to July 23 is as follows:
Air NZ says it is expecting exceptionally high demand for its contact centres.


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The Apple spokesperson, however, declined to comment on the topic of discussion between Cook and Modi. The Prime Minister’s Office is in discussions with Apple Inc in this regard, said three people aware of the development.
The prime minister will be keen to showcase initiatives such as 'Make in India' and 'Digital India' and persuade the Cupertino-based maker of iPhones and iPads to invest in manufacturing and research & development (R&D) in India. For its part, Apple has become increasingly conscious of India's importance as a market, after having initially ignored it. Among the items on Cook's wish list could be approval for the company's own stores and dilution of mandatory local sourcing norms.
"Apple…has also shown interest in the proposed meeting as it wants to explore R&D activities in India to begin with and also understand foreign direct investment regulations in retail so that it can explore future possibilities to set up its flagship company-owned stores," said one of the people cited above.
Cook had said in 2012 that, relative to India, he saw greater potential in other markets but has since changed his mind, acknowledging rising sales in the country on analyst calls.
In the past two years, iPhone sales have doubled in India, albeit on a smaller base. Cook said in an earnings call in July that they had risen 93% in the third quarter, surpassing Greater China's growth rate of 87 per cent.
Top CEOs to Meet Modi
Cook will join high-profile CEOs such as Facebook's Mark Zuckerberg whom Modi will meet at Silicon Valley as he looks to drum up greater investment and intensify engagement. The prime minister is also scheduled to visit Facebook headquarters and will take part in a town hall with Zuckerberg. He will also meet Google CEO Sundar Pichai and Adobe Systems Inc President &CEO Shantanu Narayen.
The world's largest contract manufacturer Foxconn, which makes the iPhone and other Apple devices, has a $5-billion plan to set up factories in India. These will be used by companies such as Sony to make products in the country.
R&D will be faster off the blocks than manufacturing, industry experts said. Apple is said to outsource some software development to a few vendors in India, including Infosys and Tata Consultancy Services. This is mostly related to back-end work on proprietary applications and the iOS operating system. Apple doesn't outsource any of its mission-critical projects to India, although this may change if the company sets up its own R&D facility in the country, experts said. Apple is accelerating the launch of its latest iPhones — the 6s and the 6s Plus — in the country. India sales may start as early as the second to third week of October, the trade has said. The Apple Watch is scheduled to be available in India by the end of this month.
The company is looking to double sales in India this fiscal to Rs 8,000 crore by focussing on ecommerce and increasing its distribution in physical stores. It sold 1 million iPhones in India in the seven months ended April 30, equalling the number it sold the previous year. Apple's financial year starts September end.
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- US Will be India’s Best Natural Ally for a 100 Yrs
Few bankers have been as prescient and as prepared as JPMorgan chairman and chief executive Jamie Dimon to face a crisis and bail out those who get into trouble. In an interview with MC Govardhana Rangan, Bodhisatva Ganguli and Joel Rebello, the go-to banker even for the US Federal Reserve said he expects that global financial metrics could get worse before getting better.Car Production Hits High Gear on High-octane Sales
Workers across the automobile hubs in Gurgaon-Manesar, Chennai, Pune and Sanand are working longer hours and even on weekends, as carmakers Maruti Suzuki, Hyundai, Kia, Honda, Tata Motors and Mahindra build up inventory.DGGI Raises ₹55,000-cr Tax Demand from eGaming Cos
The Directorate General of GST Intelligence (DGGI) has sent out a dozen pre-showcause notices to online real money gaming (RMG) companies over goods and services tax dues of about ₹55,000 crore, said people with knowledge of the matter.
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Haystack TV nets Hisense partnership
SAN FRANCISCO and SAN DIEGO, Calif. – Haystack TV, a leading ad-supported streaming service that connects viewers with hyper-relevant local, national and global TV news, is expanding its worldwide distribution through a new technology integration agreement with Hisense, a leading global television and appliance manufacturer. Hisense, currently the third-largest television manufacturer, will pre-install and place the leading-edge Haystack TV app prominently on the new VIDAA smart TV platform. Plans for the newly redesigned VIDAA interface were recently announced at the Consumer Electronics Show (CES).
Tailored to each viewer, Haystack TV delivers a mix of the day's top headlines and other news tuned to their specific interests and preferred news sources from its library of more than 250 trusted premium news sources covering 85% of local U.S. markets.
With the addition of the VIDAA platform, Haystack TV is available worldwide for free on the Amazon Fire TV, Android TV, Apple TV, and Roku streaming platforms; LG, Samsung and Vizio Smart TVs; Android and iOS mobile devices; and online at www.haystack.tv.


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San Mateo, CA — Warren Buffett’s Berkshire Hathaway and Marc Benioff’s Salesforce participated in the biggest software Initial Public Offering (IPO) deal to date by investing millions of dollars into Snowflake, a cloud-based data warehousing company. Their investment in a private startup valued at over $1 billion is a rare sight. The potential valuation of Snowflake is anticipated to be $24 billion with these investments.
Snowflake, a cloud data unicorn — saw a huge investor interest. Berkshire Hathaway invested roughly $570 million in Snowflake causing its stake to surge by more than $800 million during Snowflake’s first day of public trading. This deal was the largest U.S. offering of 2020.
On the first day of trading following a $3.4 billion IPO, Snowflake closed at 111% higher than its offering price of $120 per share. It was a rare sight for traders who saw Berkshire bet big on an IPO. The company has not invested money in a deal involving so much money in a new public firm since the company’s investment in Ford’s debut in 1956.
Marc Benioff’s Salesforce invested $500 million in Snowflake. The original investment was $250 million, however, Salesforce eventually doubled its investment. Sara Kennedy, Salesforce’s Communications Manager, directed Current Affairs Times to a press statement.
Matt Garratt, Managing Partner of Salesforce Ventures said “We believe Snowflake is a foundational component of digital transformation 2.0. Last year the company brought on Frank Slootman, former CEO of ServiceNow and Data Domain, to be its CEO. Snowflake’s revenue for the six months ended July 31, 2020 and jumped 133% from the year prior.” Garratt said that Salesforce will continue to invest in data-centric companies that are fueling the next generation of digital transformation. Snowflake’s shares are now valued at $253.93 per share.
As venture capitalist Bill Gurley rightly asked “is this not the epitome of the rich getting richer as a direct result of being rich?”
Image Credit: Sean Pollock/Unsplash
- Email to The Current Affairs Times from the Salesforce Communications Team.
- “Warren Buffett’s Berkshire Hathaway made $800 million on Snowflake’s first day of trading as the stock spiked | Markets”


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With its “The State of Modern Applications in AWS Report” released last November, Amazon.com Inc. partner Sumo Logic Inc. took it upon itself to be the de facto census bureau for AWS’ huge user community. Its joining with Amazon has opened doors to high profile customers like Pinterest, Twitter and Airbnb, according to Kalyan Ramanathan (pictured), vice president product marketing at Sumo Logic. Just making the procurement list at those companies would be difficult alone, he said.
“What we want to do is become the thought leader who not only serves these customers, but also provides them a roadmap in terms of, how should they be adopting these cloud technologies?” he said.
Sumo Logic now has 1,200 customers, 80 percent of which are Amazon users, Ramanathan told Jeff Frick (@JeffFrick) and Lisa Martin (@Luccazara), co-hosts of co-hosts of theCUBE, SiliconANGLE Media’s mobile live streaming studio, during the AWS Summit in San Francisco, California.
Sumo Logic mined these companies’ data (keeping their identities private) for their report last year. The report shows that Amazon’s cloud world enables new kinds of application development, deployment and management, down to the foundations, Ramanathan said.
Brave new world
“They are no longer bound by the old shackles of, if I have to use a database it’s Oracle or SQL Silver,” Ramanathan stated, adding that this is a common belief in the data center world. In fact, NoSQL databases like MongoDB and Redis are well ahead of an Oracle and SQL server among AWS users, according to the report.
Web server use in AWS also turns the data center model on its head. “Nginx and Apache are well ahead of IAS [Internet Authentication Service], which happens to be the web server of choice within the data center world,” said Ramanathan.
Other hot technologies for AWS users are application containers, he said. “Docker is all the rage, without a doubt,” Ramanathan stated, citing 18 percent usage among customers as detailed in the report.
In all, the report shows that AWS redefines what is possible for applications from the floor up; that is why legacy companies are having a hard time competing, he said. For example, “That’s why you see Oracle is not doing a lot or not making a dent in cloud technologies like AWS.”
Watch the complete video interview below, and be sure to check out more of SiliconANGLE’s and theCUBE’s independent editorial coverage of AWS Summit 2017 San Francisco.


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Gaming smartphones are officially a thing. Last year Razer launched its gaming phone with a 120 Hz display. Last week Xiaomi subsidiary Black Shark launched a phone with liquid cooling and a detachable controller. And now Nubia is launching a phone for gamers called the Red Magic.
It’s basically a high-end phone with an unusual design that features a “unique cooling system” and an RGB strip light on the back, borrowing a design cue from gaming desktops.
Interestingly, Nubia went with one of last year’s top processors by opting for a Qualcomm Snapdragon 835 chip rather than a newer Snapdragon 845.
The phone features a 6 inch, 2160 x 1080 pixel display, up to 8GB of RAM, up to 128GB of UFS 2.1 storage, a 24MP rear camera, an 8MP front camera, and a 3,800 mAh battery.
Nubia also says the phone will run proprietary “GameBoost” tuning software to offer higher frame rates by freeing up resources. The phone’s cooling system features a heat sink with three layers of graphite and three grille vents.
There’s also a customizable game button, although Nubia’s a bit vague on exactly what it does.
Other features include an anodized aluminum chassis, a fingerprint sensor, a USB 2.0 Type-C port, a 3.5mm audio jack, and dual nano SIM slots.The phone supports 802.11ac WiFi and Bluetooth 5.0 and the rear camera has an f/1.7 aperture and support for shooting 4K video at 30 frames per second of slow-motion 720p video at 120 frames per second. There’s also a time-lapse recording mode.
Nubia hasn’t announced the full retail price yet, but the company will be launching an Indiegogo campaign on April 26th, with a limited number of devices going for $399 during an early bird special.
While Nubia used to be a wholly-owned subsidiary of ZTE, the Chinese phone maker reduced its stake in Nubia last year, which means ZTE owns less than half of the company.
It’s unclear if that’ll be good enough to let Nubia continue buying chips from US-based Qualcomm once the US prohibition on the sale of US goods to ZTE kicks in.
Update: Nubia will start taking pre-orders for the phone in China on April 25th, with a 6GB + 64GB model selling for 2,499 yuan (~$400) and an 8GB + 128GB model going for 2,999 yuan (~$480)


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HUDSON, N.H. (Oct. 1, 2013) — The Sullivan Tire & Auto Service's outlet in Hudson marked its 1-year anniversary by offering free oil changes, lunch and entertainment for its customers.
Sullivan Tire said customers on Sept. 25 received free oil changes all day at the store, which serviced nearly 200 cars. Customers received free pizza courtesy of Mike's Pie, the dealership said, and entertainment courtesy of Big League Brian, the stilted Red Sox character who is a mainstay on Yawkey Way during baseball games.
"We had a terrific inaugural year in Hudson and have established a loyal customer base," Sullivan Tire Marketing Executive Mark Gillard said. "This was our chance to thank them and to demonstrate our ongoing commitment to customer service and community support."
The location, a converted Brake & Go express lube/car wash, is one of 13 Sullivan Tire retail locations in New Hampshire.


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Van Nest Mattress store accused of city health violations
Neighbors and local community board leaders want a Bronx mattress warehouse shut down after they say the company is violating city health ordinances.
They claim Benny Mattress Corporation on Van Buren Street is repurposing old mattresses and selling them as new.
Old and used mattresses lay on the ground unprotected by plastic wrap outside the company's warehouse Tuesday as an officer with the Department of Sanitation issued the company with a summons.
City ordinance says any mattresses or box spring must be sealed in plastic in order to prevent the spread of bedbugs.
Bronx Community Board 11 leaders say the lot outside the warehouse is also filled with garbage from the business.
To make matters worse, neighbors suspect the company is taking mattresses off of the street and repurposing them illegally.
According to the Department of Buildings, Benny Mattress is under investigation for illegal use of the site for mattress storage and had its license revoked once back in 2013.
The landlord of the building says the company also owes $80,000 in unpaid rent.


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Your Monday morning coffee briefing from TFG. Tighter travel and daily restrictions are expected to be rolled out across European countries as concern grows over new variants from South Africa and Brazil.
COVID-19 case rates are rising while fatalities remain relatively low across much of Europe. The UK saw its first significant tightening of restrictions in months with socialising limited to groups of six in England.
As graphically illustrated in a recent Guardian Article the secrecies and myths of the Trans-Pacific Partnership were one of the big concerns from protesters, as 12 nations agreed one of… read more →


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Looks like HTC One M9 units on T-Mobile will start getting the Nougat update soon. A quick look at the device's listing on the magenta carrier's website reveals that the update is currently under testing.
Sadly, there's currently no information on exactly when the roll out would begin. In case you missed, the unlocked units of the phone started getting the update in the US back in December last year. Europe got the update early last month.


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After a bidding process that went on for weeks, Authentic Brands Group came out the winner after agreeing to buy the athletic apparel label Champion from HanesBrands Inc. for a little more than $1 billion.
“Champion agreed to be acquired by ABG last Friday or Monday,” said a source knowledgeable about the negotiations. “They should close around the end of May or early June.”
More from WWD
No formal agreement has been signed yet, but rumors are that something could be put in writing next week. Also interested in the label were Delta Galil, Sycamore Partners, G-III Apparel and WHP Global, sources said.
Sources warned that Authentic Brands’ purchase could result in thousands of employees around the world losing their jobs because the intellectual-property management company will source much of the manufacturing, design, logistics and operation of the label’s various components to other companies.
HanesBrands put its second-largest label up for sale last year initially seeking at least $1.4 billion after it saw Champion sales nosedive in the past few years. It hired Goldman Sachs & Co. and Evercore to explore strategic options for the more than 100-year-old label that at one time supplied all the uniforms in the 1990s for the National Basketball Association teams.
Champion’s sales stumbled in the past two years, part of that due to fewer collaborations with names like Supreme and Rick Owens. Its global sales fell by 23 percent in the fourth quarter of 2023, with weakness attributed to both the strategic changes and the challenging sports apparel market.
A sale of Champion gives HanesBrands’ finances a much-needed boost. The company ended last year with net debt of $3.1 billion, or 5.2 times its adjusted earnings before interest, taxes, depreciation and amortization.
In 2023, HanesBrands’ total revenues were $5.6 billion, down 9.58 percent from the previous year. Revenue in the fourth quarter of 2023 was $1.3 billion, down nearly 12 percent year-over-year. HanesBrands’ best revenue years were in 2021 and 2018 when sales hit $6.8 billion.
HanesBrands, based in Winston-Salem, N.C., was trying to reset the course for Champion by shifting its mix and showing more discipline on product and channel segmentation. Just last December, the company hired Richard McCloud from Canada Goose to become the vice president, chief marketing officer of global Champion.
Champion, started in 1919 by the Feinbloom brothers as the Knickerbocker Knitting Company, became a full line of men’s and women’s athletic apparel that included activewear, sweats, Ts, sports bras, team uniforms, footwear and accessories sold in department stores, sporting goods outposts and specialty retailers. HanesBrands’ other labels are Hanes and Bonds.
HanesBrands had a profitable deal with many universities across the country where it supplied campuses with Champion sweatshirts and other items with the school name on them. Sources said that model would probably continue.
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New updates are being added at the bottom of this story…
Original story (published on October 30, 2021) follows:
Last year, Huawei sold off its sub-brand, Honor after the former was blacklisted by the US. The company is now owned and controlled directly by the Chinese government.
While this came as a surprise for many, it meant that Honor could still sell smartphones in the US and make use of Qualcomm’s hardware and Google’s software.
Having said that, in this tracker we’ll be keeping tabs on the upcoming EMUI 12 update for Huawei phones and the Magic UI 5.0 update for Honor smartphones.
Even after the United States banned Huawei back in 2019, the Chinese company still remains one of the largest smartphone manufacturers. Since they cannot use Google’s Android anymore, Huawei has switched to their own operating system known as Harmony OS.
However, Huawei is not yet done with its Android skin, EMUI. The company recently released EMUI 12 bringing in much-needed customizations and UI upgrades.
Huawei said that the new version of EMUI will be pushed to devices in the first half of 2022 with plans to update phones dating back to 2018. The announcement was made during the APAC product launch stream on YouTube on October 28.
The live stream also revealed which phones would receive the EMUI 12 update. Huawei’s latest UI focuses on a cleaner and minimalistic user interface while the Device+ feature focuses on tightly integrating Huawei products.
Huawei has also overhauled the quick settings and has introduced what it calls ‘Control Panel’ that will allow users to access everything with just a swipe. Another notable feature the upgrade will bring is Huawei’s Distributed File System that will allow devices to share files seamlessly.
On that note, here’s a list of eligible devices from Huawei that will be getting the update to EMUI 12.
– Mate 40 Pro
– P40 Pro+
– P40 Pro
– Mate Xs
– Mate 30 Pro
– Mate 30
– P30 Pro
– Mate 20 Pro
– Mate 20 RS
– Mate 20 X 5G
– Mate 20 X
– Mate 20
– P20 Pro
– Mate 10 Porsche Design
– Mate 10 Pro
– Mate 10
– nova 7
– nova 7 SE
– nova 7i
– nova 5T
– nova 4
– nova 4e
– Y9 Prime 2019
Since EMUI 12 will start rolling out in the first half of 2022, we still have a few months ahead of us before it comes out. Having said that, we will be tracking all EMUI 12 software updates, including security patches in this section.
In the meantime, you can also check our dedicated EMUI 11 tracker to see which devices were updated to the latest version.
IST 1:47 pm: Huawei is said to be starting the EMUI 12 Beta program in Europe and interested persons with eligible devices like the Huawei P40 series and Mate 30 series models can sign up.
IST 04:54 pm: Huawei P30 Lite users might be disappointed to know that there’s still no information regarding the EMUI 12 update for the device as highlighted by a report. Thus, it may take a few weeks or even months for the update to go live.
IST 10:44 am: Huawei has reportedly started EMUI 12 beta testing for Huawei P30 and P30 Pro, however, its currently available in limited markets.
IST 04:50 pm: The Huawei Nova 7i is reportedly receiving the EMUI 12 beta update as version 18.104.22.168 to global models of the device. The software is rolling out to users who registered for the FUT testing program.
IST 11:55 am: Huawei Nova 7 5G is now getting its first EMUI 12 beta update. It comes with EMUI 12 version 22.214.171.124 and an update size of 5.40 GB.
IST 12:36 pm: New reports now have it that Huawei P30 series of devices are now getting their first EMUI 12 beta update.
IST 10:58 am: As Android 12 continues to go mainstream, many OEMs are doubling down on their offers and now, Huawei is reportedly rolling out EMUI 12 beta for Huawei Nova 5T.
Similarly, the Huawei Mate 20 series of devices is receiving the first EMUI 12 beta update.
IST 10:32 am: Huawei is reportedly expanding the Huawei Mate 20 EMUI 12 beta program to include even more users as it works towards the stable release.
10:09 am (IST): Huawei is now rolling out stable EMUI 12 update for Mate 40 Pro users. The update can be identified with the EMUI version 126.96.36.199.
10:08 am (IST): Huawei is now rolling out a stable EMUI 12 update for the users of Huawei Mate 40 Pro, P40, P40 Pro, and Mate 30 Pro. It’s worth noting that the update is currently only available for those who participated in the beta process.
03:04 pm (IST): Stable EMUI 12 update is now rolling out for Huawei P40 series in Serbia. The update can be identified with version 188.8.131.52.
03:05 pm (IST): Huawei is now rolling out the stable EMUI 12 update for the Huawei P40 series in the UK. It can be identified with version 184.108.40.206 and comes with huge size of 5.8 GB.
11:05 pm (IST): Huawei Mate 30 Pro users have begun receiving the stable EMUI 12 update in Europe. The latest update bears the version number 220.127.116.11.
03:38 pm (IST): Huawei is now expanding the EMUI 12 update for the Huawei P40 series in more regions as these smartphones now receive the latest update in Turkey. More on that here.
09:50 am (IST): Huawei Nova 7i is now receiving stable EMUI 12 update. It is currently available for beta testers and comes with software version 18.104.22.168.
NOTE: This table is being updated regularly.
After breaking up with its parent company Huawei, Honor wanted to make a name for itself and distinguish their smartphone UI. And it looks like the Shenzen-based company is finally doing that.
It is rumored that Honor is working on its own Android skin, Magic UI 5.0. The leak comes from the reputed leakster Digital Chat Station. However, it is highly unlikely that the new version will be based on Android 12 since the leak was made back in April.
#DigitalChatStation Huawei’s next new phone runs Hongmeng OS, and the new Honor phone runs MagicUI 5.0 based on the bottom layer of Android 11. Some models before the division of Honor have tested Hongmeng internally, but the latter ones are not good enough.
Honor recently released the Honor 50 and the Honor 50 Lite, their first smartphones after splitting up with Huawei. Unsurprisingly, the phones come with Google Mobile Services, allowing Honor to continue from where it left off two years ago.
We’ll add the list of eligible devices or table once Honor confirms the devices that will be getting the update.
In the meantime, you can check out our dedicated Magic UI 4.0 tracker to see which phones got the update.
Featured image source: Huawei
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The Android operating system, which has shot into first places among US smart phone users, and Samsung, which increased on its lead as the number one overall phone manufacturer in the US, are big winners in the mobile world during the three month period ending at the end of January, 2011 according to the latest numbers from comScore, which tracks the industry.
The numbers will doubtlessly start to change significantly with the launching of the Apple IPhone on Verizon last month.
But as of January, Android was being used by 31.2% of all phone users (up from 23.5% just three months earlier), while Rim (Blackberry Operating System) users had dropped from 35.8% three months earlier to 30.4% in January. The Apple IPhone operating system was relatively flat at 24.7% in January.
Samsung phones still lead the pack of phone manufacturers by a wide distance, with everyone else losing share accept the IPhone which should so significant gains in coming months because it will now, for the first time, be available on multiple networks.
In other findings, comScore noted the continued growth in usage of phones advanced features. Increasingly in January, phones were shown to be used to access social networks, apps and music.


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As United States Inflation Skyrockets White Home Blames Monopolies, Economist Calls for Rate Controls
< img width =" 1280" height=" 720" src =" http://investincryptocoins.com/wp-content/uploads/2022/01/QO5kPI.jpg "class= "story __ img short article __ poster" alt=" As United States Inflation Increases White House Blames Monopolies, Economic Expert Calls for Cost Controls" loading=" lazy "> U.S. inflation is red hot and a number of experts and financial experts are anticipating America will deal with more economic concerns as politicians and the Biden administration blame corporations. This point of view on increasing inflation has actually led finance authors like Isabella Weber to believe that price controls might relieve America’s economic problems.
Biden Administration Blames Inflation on Corporate Greed, Monopolistic Behavior
America is handling the worst inflation in over four decades and the White House thinks that harder anti-monopoly policy could fix the circumstance. Furthermore, a few congressional leaders wish to suppress online ecommerce giants like Amazon with proposals like Senator Amy Klobuchar’s (D-Minn.) American Development and Online Competitors Act. Senator Tom Cotton’s (R-Ark.) Platform Competitors and Chance Act (PCOA) is also focused on reforming anti-trust laws.
The White House is blaming the loss of acquiring power in America on monopolistic habits. Last month, the White House shared information that declared 4 business entities in the meat-processing industry have been sustaining inflation. NYU professor Marion Nestle informed the New york city Times in an interview that “their objective is to manage the marketplace so that they can control the cost.” Regardless of the opinion from Biden’s administration, the North American Meat Institute says the claims are incorrect.
Economic expert Thinks It’s Time to Think About Price Controls
This has resulted in a raging argument and just recently finance author Isabella Weber published a viewpoint editorial by means of the Guardian that says “we have a powerful weapon to combat inflation: rate controls. It’s time we consider it.” Weber’s editorial states that throughout The second world war, U.S. financial experts “suggested tactical rate controls.” Essentially, rate controls restrict complimentary market activity as mandated costs and constraints are embeded in location and implemented by federal governments. It implies that the manufacturer has no say in pricing products and services and the federal government has full control.
Weber ideas are not preferred and even the Nobel laureate and economist Paul Krugman blasted the principle. In a now-deleted tweet, Krugman composed: “I am not a free-market zealot. But this is genuinely foolish.” However, the following day, Krugman apologized to Weber and stated he deleted the tweet. Krugman said:
Deleting, with extreme apologies, my tweet about Isabella Weber on price controls. No excuses. It’s always wrong to use that tone versus anybody arguing in great faith, no matter just how much you disagree– specifically when there’s so much bad faith out there.
Price Control Concept Mocked, Harvard Economist Insists There’s ‘No Basis Whatsoever Believing That Monopoly Power Has Actually Increased’
Another private mocked the price controls concept and said: “We’ve gone from ‘inflation is momentary’ to ‘f ***, we need cost controls’ in the area of a quarter.” “Anybody calling themselves an economic expert who is also an advocate of price controls deserves to be mocked, shamed, and spoken down to,” the Twitter account dubbed Hazlitt tweeted. The host of the “Smart People Sh * t” podcast Dennis Porter stated:
Price controls are the important things every government does prior to the entire thing collapses.
Even the Democrat economic expert and senior official for the Obama administration, Larry Summers, insists reinforcing antitrust laws will not help the U.S. economy. In a tweetstorm, Summers said: “The emerging claim that antitrust can combat inflation reflects ‘science rejection.’ There are lots of locations like temporal inflation where major financial experts differ. Antitrust as an anti-inflation strategy is not one of them.” Lastly, the Harvard financial expert worried that monopolistic behavior has not sped up like inflation.
” There is no basis whatsoever thinking that monopoly power has increased during the previous year in which inflation has actually significantly sped up,” Summers tweeted.
What do you think of the rising inflation in the U.S. and the White House blaming monopolistic behavior? What do you consider the concept of leveraging cost controls? Let us understand what you think about this topic in the comments section listed below.
Image Credits: Shutterstock, Pixabay, Wiki Commons
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In Case You Missed It Published at Mon, 03 Jan 2022 17:40:15 +0000


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Luxury car maker Porsche will phase out production of diesel vehicles.
The company said in a statement recently that it will no longer make diesel powered vehicles but will get completely focused on the development and manufacturing of vehicles running on hybrid and electric technology.
It can be recalled that it was just five months ago that a senior manager at the Porsche unit of Germany was arrested by police in relation to an investigation into the diesel emissions scandal that had rocked the parent company of Porsche – Volkswagen.
In 2017, diesel cars accounted for only about 17 per cent of the total global sale of Porsche. The company has not manufactured a new diesel car since February this year while no car model powered by diesel has been marketed or sold by the company in the United States since November of 2015 according to the statement of a Porsche spokesperson to the media.
A press release issued by Porsche said that there is a steady increase in demand for electric and hybrid vehicles while at the same time, the demand for diesel powered vehicles has slowed down considerably.
“Due to this change in conditions, the company has decided to no longer offer diesel propulsion in future,” the company said.
Porsche “is not demonizing diesel”, said Oliver Blume, chief executive of Porsche AG, in a statement top the media.
“It is, and will remain, an important propulsion technology. We as a sports car manufacturer, however, for whom diesel has always played a secondary role, have come to the conclusion that we would like our future to be diesel-free,” he said.
It should however be noted that Porsche’s portfolio never had been dominated by diesel vehicles. The company has mostly remained with gasoline for its sports vehicles while diesel models have been offered by the company for some of its four door models of cars.
The Taycanm which is the first ever full electric car model unveiled by Porsche was touted in its press release as being a model that would give a close competition to the in the luxury market for electric car of US automaker Tesla. The Taycan will be launched in 2019.
“By 2025, every second new Porsche vehicle could have an electric drive — either hybrid or purely electric,” the company said.
Porsche has been mostly immune to the huge diesel emission scandal of its parent company Volkswagen for rigging diesel cars to cheat environmental regulation tests about two years. The scandal resulted in the forced resignation of Volkswagen CEO and a large number of legal suits against the company in the United States and at other places.
(Adapted from Money.CNN.com)


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Tourism Minister Arvind Singh said the Ministry of Tourism is in contact with both industry and the Ministry of Finance and called the measures “welcome steps”.
“The sector needs some relief in both the short and long term. The measures will take the pressure off tour operators and tour guides. The visa easing will boost travel,” he added.
But Rajeev Kohli, the joint managing director of Creative Travel, which specializes in inbound travel, said the measures are a bit like “smoke and mirrors”.
“The Treasury Secretary has honored her obligation to mention tourism, but there was little substance. For an industry that once represented such a large proportion of India’s GDP and employment, the government found Rs.300 billion to be enough to avoid 18 months of damage to fix. ” “Rs 10 lakh loans will certainly help some of the smallest players, but they won’t go far for the majority,” said Kohli.
“Nobody is hurt like us. Issuing the first five lakh tourist visas for free is a good gesture, but it will take a lot more than waiving $ 30-60 per traveler to bring foreign tourists to India. They did not say when to start issuing tourist visas, “he added.
To revive tourism, the government announced Monday working capital / personal loans with a 100% guarantee of up to Rs 10 lakh for recognized travel and tourism actors from the Ministry of Tourism (TTS per agency) and Rs 1 lakh for regional or state licensed tour guides. The government said the program will cover 904 TTS and 10,700 tourist guides at the regional level. The government has also announced that the first five tourist visas will be issued for free once visas resume. The program is valid until March 31, 2022 or until 500,000 visas are issued, whichever comes first. The financial impact for the Visa program is estimated at Rs 100 crore.
Rajiv Mehra, President of the Indian Association of Tour Operators (IATO), said while thanking the Finance Minister and Prime Minister for making the industry easier, he hoped that e-tourist visas would be opened soon and that the government would consider that too Granting of a one-time financial grant to all recognized tour operators in addition to the approval of the outstanding services of the Service Exports from India Scheme (SEIS) 2019-20. SEIS benefits are granted to the tourism industry based on its foreign exchange earnings under overseas trade policy, and these funds are used for promotions, marketing and package deals to attract more overseas tourists.
Madhavan Menon, Managing Director at
said the measures bode well for the tourism industry and will help build consumer confidence in travel.
MP Bezbaruah, general secretary of the Hotel Association of India (HAI), said the finance minister’s announcement on free visas had a very strong symbolic message that the country has the confidence to welcome visitors and that tourism and hospitality are a strong pillar of the country Post-Covid is an economic recovery strategy.
“We sincerely hope that such measures will logically be followed by industry recovery measures such as liquidity support and statutory tax exemptions,” he added.
Vinutaa S, deputy vice president and sector director for corporate valuations at investment information and rating agency ICRA, said while the visa waiver program for the five lakh tourist visas would stimulate foreign tourist arrivals to some extent, the recovery of foreign tourist entry would be to India would depend primarily on Covid-19 containment and the pace of vaccine introduction.
However, some tour guides were dismayed by the tourism ministry recognized loan disbursement limit of Rs 1 lakh for tour guides and the high interest rates on such loans, saying the government is looking for an opportunity in a disaster.


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Many of the state's estimated 50,000 illegal cultivation sites have but the underground market in California is far more entrenched. Role in the underground railroad, hits the real estate market in the predominantly-Black Female Vigilant Association, the listing. Sales of illegal drugs of every type were delivered through the website, representing at least 180 million in sales, they said. Ulbricht had. Roberts points out that another site, Black Market Reloaded, has long copied Silk Road's modeleven offering a wider variety of merchandise. The feds have caught up to the Silk Road. The underground website long known for drug trafficking and other illegal activity was seized by. Silk Road was by far the largest and most well known online black market before its underground is more than underground black market website is the further enabling of secret. A journey into the world's most dangerous black markets. Starring: Mariana van Zeller. TV14DocumentariesTV Series2022. Law Enforcement to Shut Down Online Black Market for Illegal Drugs Launched in February, this underground website allows users to. Legionfrom the white-market bug bounty programs offered by software makers and website owners themselves to the thriving underground black markets run.
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An endangered species in the wild, the Asian arowana is illegal to import, sell, and, in most cases, own in the US. Every now and again, tales. The feds have seized Silk Road underground black market website and dozens of other underground websites dealing in drugs, guns and stolen credit cards, the Manhattan. The dark web is a global marketplace that connects people from all over the world and helps answer demand for illegal services and provide. Silk Road was an underground website active on the Dark Web. Dark web's best darknet markets for vendors largest illegal market, founded by Canadian "Reddit boards are filled with. In early 2022, Silk Road opened for business and darknet marketplaces proliferated across the web. With every round of busts, the marketplace. After Expos in Georgia, Black Market Races Move to Red Springs, PETA notes that its 10-month investigation into underground Quarter. Also, it's difficult for law enforcement to locate where people are buying and selling drugs on that eBay style website. So dark web essentially. Six best darknet markets for vendors months after the FBI shut down the most notorious black market website imaginable, it's back and busier than ever. WBEZ: National and local news, politics, education, arts & culture for the Chicago region. Listen on the radio at underground black market website FM or online.
An endangered species in the wild, the Asian arowana is illegal to import, sell, and, in most cases, own in the US. Every now and again, tales. Roberts points out that another site, Black Market Reloaded, has long copied Silk Road's modeleven offering a wider variety of merchandise. Chelsea Market, located in the heart of New underground black market website York City's Meatpacking District, is a food and retail marketplace with a global perspective. On hidden black market website likes Silk Road, you can buy any drug or issue on the underground drug market and its mysterious founder. Gazans smuggle goods through an illegal tunnel system. are looking to break away from the older Yakuza through underground fighting. A black market refers to a marketplace or system of exchange that subverts Often referred to as the underground economy, it is economic. The illegal black market and the underground economy thrive in the The website Investopedia calls black markets economic activity that. Attacking this black market where it lives online is also important. Laws governing websites that profit from advertising sex work could be strengthened to. Sales of illegal drugs of every type were delivered through the website, representing at least 180 million in sales, they said. Ulbricht had.
Every marketplace that relies on a wallet system might become an exit scam one day, following this scheme. Amazon Simple Storage Service (S3) is a proprietary service offered by Amazon Web Services (AWS) that was launched in 2006 with the purpose of giving customers access to object storage via a specialized web interface. Proof of Contribution is considered to be a quite decentralized consensus model. However, we had no idea how common this practice is or what sorts of malicious content might be stored there. Fancy Bear launched a spear phishing campaign against email addresses associated with the Democratic National Committee in the first quarter of 2016. Nach Angaben der Strafverfolger waren auf dem Online-Marktplatz zuletzt mehr als 63. In his postings on Silk Road's forum, the site operator underground black market website "Dread Pirate Roberts' " signature included a link to the Mises Institute website. Threat intelligence experts reckon that other darknet marketplaces will grow to fill the gap left by AlphaBay's demise. After all that's what the 13 American soldiers did that Joe Biden killed. For example, it’s possible to only search for cards from a particular city. Should that occur, don’t be cowed as the feds are unlikely to press charges.
“If they underground black market website get to her, will she still be the girl they remember and love?”
The FBI didn’t shut the site down either but hosted it for about two weeks, during which they captured over 1,300 underground black market website IP addresses of site visitors that led to over 900 users arrested, including the creator of the site, Steven Chase. The buyer has to make a pre-payment to the marketplace. However, its storage is be the most eye-catching thing about MEGA. The Wall Street Journal reported on July 13 that a multinational law enforcement campaign was behind the site’s takedown, a story that the Justice Department officially confirmed in Thursday’s press underground black market website conference. The monopoly, therefore, is always in the situation of having to execute the orders of its Democrat masters, otherwise they will take the leash off the DOJ and impose restrictions on the monopoly. If the police take action (you have ordered large amounts), as long as you haven't left any traces of your purchase on your computer, play dumb. On average, deep Web sites receive fifty per cent greater monthly traffic than surface sites and are more highly linked to than surface sites; however, the typical (median) deep Web site is not well known to the Internet-searching public. SurveyJunkie: Make $5-$25 in your spare time from home to take online surveys, participating in a Focus Groups and trying new products. Scattered over the territory between the Jordan River and the Mediterranean Sea lie the remnants of failed peace proposals, international summits, secret negotiations, UN resolutions, and state-building efforts. He has previously written news articles, device reviews and features for Mobile Choice UK website and magazine, as well as writing extensively for SC Magazine UK, Tech Radar, Indian Express, and Android Headlines. After your funds have been received by the market, your XMR balance will be updated, and you can now go about placing orders. BitMarket is a market which can be browsed and used only after registrations.


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- Recently on Monday, June 15th, 2020, Bank of Korea (BOK) released a group that aims at giving legal advice to the central bank-issued digital currency (CBDC).
- Central Bank Digital Currency or CBDC is basically a digital form of the local reserved currency. The government issues it.
- According to BOK’s announcement, this new council held for a total of 12 months.
Recently on Monday, June 15th, 2020, Bank of Korea (BOK) released a group that aims at giving legal advice to the central bank-issued digital currency (CBDC). The group would help to review and resolve any such legal issues which would lead to the issuance of any digital currency in the coming future.
What is CBDC?
Central Bank Digital Currency or CBDC is basically a digital form of the local reserved currency issued by the government. CBDC is a lot different than the conventional cryptocurrency or any virtual currency because the government legally adopts it. The Bank of England was the first to take the initiative of this newly formed idea of CBDC. The Central Bank of Sweden considered being one of the first banks to implement CBDC in its country. In brief, CBDC is more likely to be called a centralised platform when compared to the decentralised Blockchain platform.
Considerations of Bank of Korea Over CBDC
Before the launch of the group, the Bank of Korea (BOK) launched a new 22-month pilot program for the Central Bank Issued Digital Currency in April. The program re-evaluated all the CBDC policies. The plan was a result of the insecurity of the South Korea central bank. This was after seeing that power giant like the USA, and most importantly, its neighbor Japan were rampantly developing their plans in the digital market. With the digital Yuan of China and the digital Dollar of the US emerging in the markets, the competition seems to heat up.
Previously, the Bank of Korea has shown its doubtfulness about the CBDCs, and sources say that they have no plans to issue any digital currency. One of the BOK staff noted that the need to issue any digital currency is still uncertain. The reason behind uncertainty is the demand for the cash currency is readily high, and most people prefer it. However, they need to take quick steps if the future of the market changes abruptly.
However, according to the central bank, the panel consisted of law practitioners and legal professors. He further added that most importantly, lawyers who would impart their advice in case any legal issue arises. Bank of Korea emphasized on the fact that they aren’t issuing any digital currency as of now. According to BOK’s announcement, this new council held for a total of 12 months.
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SAN FRANCISCO (KGO) -- The stethoscope is one of the oldest tools in medicine, but now it is getting a high-tech upgrade. ABC7 News met the young entrepreneurs who just got the green light to start selling their smart stethoscope to doctors.
Cardiologist John Chorba showed us what looks like a regular stethoscope. He said, "In fact, this is a regular stethoscope. It just has the device attached to it."
The device is called Eko from Eko Devices. We've seen this device before at a conference a year and a half ago when a team of UC Berkeley students pitched it to a panel of judges.
It is simple to use. You set up the recording on a smartphone and then the device amplifies and records a patient's heart sounds. It stores the recording with the patient's electronic health record.
Jason Bellet, the Eko COO, explained the health record becomes like a living document of the patient's life from childhood to when they are a geriatric patient.
If something sounds funny, a doctor can send the recording to a cardiologist instead of sending the patient physically to them. The goal is to cut down cardiologists' and patients' time and money to go through the whole system. It's a worthy goal, but a tough one.
"Validating a product for the FDA is a very, very expensive and time consuming process. So raising that investment was critical for us," Eko CEO Conner Landgraf said.
And that's what brought them to the demo stage in early 2014. They faced tough questions, but walked away with the grand prize. They've since gotten $2.8 million in funding and now FDA approval.
For medical researchers, what's even more exciting is what could happen next, after they've made thousands of recordings over the course of long clinical studies.
"Being able to record so much data and tell us something new about heart sounds that we may not have known before," UCSF cardiologist John Chorba, M.D., said.
In time, that could make Eko smarter by recognizing heart problems the same way your phone knows what song is playing on the radio.
"We're trying to kind of go for the Shazam for heartbeats," said Eko CTO Tyler Crouch.
Eko Devices gets FDA approval for smart stethoscope


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Mar 22, 2021 - 15 min
Simon Kuper: this 'exodus' could reshape city life for years to come. "When urbanites first lost their jobs this spring, many sat it out hoping for a swift recovery. Now it’s clear that low-wage industries like tourism, restaurants, bars, shopping and the arts (a big employer of the bohemian proletariat) won’t revive anytime soon. If you lose your job in a small town you can probably afford to stay put, but not in premium cities." In his Financial Times column, he contemplates.


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Acer’s upcoming tablet, Iconia A1-810 has been spotted on a french retail site. It has a 7.9-inch (1024 x 768 pixels) IPS display, powered by a 1.2 GHz quad-core MediaTek processor and runs on Android 4.2 (Jelly Bean). It has a 5-megapixel rear camera and a VGA (0.3MP) front-facing camera. Acer launched the Iconia B1 with a 7-inch display and a dual-core Mediatek processor in India earlier this year.
Acer Iconia A1-810 specifications
- 7.9-inch (1024 x 768 pixels) capacitive multi-touch IPS display
- Android 4.2 (Jelly Bean) OS
- 10.5 mm thick and weighs 460 grams
- 1.2 GHz quad-core Mediatek processor
- 5-megapixel rear camera
- VGA front-facing camera
- 3.5mm audio jack, microphone jack, internal speaker
- Wi-Fi 802.11 b/g/n, Bluetooth 4.0, GPS
- 1GB RAM, 16GB internal memory, 32GB expandable memory with microSD
- 3250 mAh battery
It is listed on the french retail site rueducommerce at 199 Euros (~US$259), but according to a recent report from Digitimes, the tablet would be available for $149 to compete with the iPad mini, according to their sources. It is expected to go on sale in June.


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"Data is the currency of the new economy," HGST director of Asia Pacific South distribution business David Chua told iTWire.
But in a recent survey commissioned by the company almost half of respondents said they do not store all their data even though nearly nine out of ten think all data has value if it can be accessed and analysed.
710 senior IT decision makers were surveyed, so it was a reasonably large sample. But the survey only ran in China, France, Germany, Japan, Korea, the United Kingdom and the United States, so care should be taken in applying the findings locally.
The problem is that data is growing 40% a year according to IDC, so organisations need a more cost-effective yet fully accessible way of storing data, he said.
One part of HGST's response is its 'active archive' platform that combines high storage density, rapid access, and relatively low cost.
HGST Asia Pacific cloud storage and enterprise product marketing director KB Ng stressed that the active archive platform was very real, with samples already delivered to certain customers ahead of general availability in early 2015.
It will provide more than 10PB of storage per rack, giving a fivefold increase in storage density and power efficiency compared with existing products, he said.
This will mean HGST will offer the lowest total cost of ownership per petabyte, and the highest density and scalability available for object storage.
HGST is helping its customers store as much information as possible, Mr Ng said.


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Business 10 months agoErik Gibbs
Mexico’s Congress approves cryptocurrency legislation
Mexico has now become a member of a small collective of governments that have established regulation for the cryptocurrency industry.
In a vote of 264-61, the Central American country’s Lower House of Congress approved a bill last Thursday that will regulate crowdfunding and cryptocurrencies companies. With the legislation, Mexico is one of only a handful of countries that has taken an official position regarding the digital currency.
The bill was submitted to promote financial equilibrium in the country, as well as to set the groundwork to prevent money laundering. It was approved by the Senate last December and now will be put on President Enrique Pena Nieto’s desk for his signature. The president took to Twitter to put his support behind the bill, saying that it shows a modernization of the financial system in Mexico.
With the laws, fintech companies will have better-defined laws surrounding issues like crowdfunding and payments. One key component is the authorization of open banking for the industry. Open banking allows user information to be shared by financial institutions through the use of public application programming interfaces (API). Fintech Mexico’s president, Francisco Mere, was quoted by Reuters saying that open banking “recognizes that the information in the hands of the financial institutions is the property of the user, not the institution’s, and that it can be brought to other financial intermediaries.”
Information currently gathered through APIs used at larger banks will be made available to small and medium-sized banks as well as startups, assuming that the information was authorized for release by the banks’ clients. According to Mere, “This will allow better services, better costs and more inclusion.” It will also help provide a bridge between the fiat and the cryptocurrency financial institutions.
The bill was drafted to provide an overview of cryptocurrency functions in the country. There will be additional laws introduced in the near future, which will provide further details and clarification for companies working in the cryptocurrency industry. These details will be provided by Mexico’s securities regulator, the National Banking and Stock Commission, in conjunction with the central bank and the ministry of finance.
The Federal Commission of Economic Competition (FCEC) in Mexico also supported the bill, saying that it will provide a greater amount of certainty in the cryptocurrency community. When the bill was introduced last October, the FCEC was the body that recommended the inclusion of API information for distribution to the fintech industry. It additionally recommended that financial institutions be given the discretion to block the information to fintech entities as it deemed necessary. This was more than likely included to help protect customer data in the event a fintech company was thought to be conducting underground activities.
Note: Tokens in the SegWit chain are referred to as SegWit1X (BTC) and SegWit Gold (SWG) and are no longer Bitcoin. Bitcoin Cash (BCH) is the only true Bitcoin as intended by the original Satoshi white paper. Bitcoin BCH is the only public block chain that offers safe and cheap microtransactions.
Note: Tokens on the Bitcoin Core (segwit) Chain are Referred to as BTC coins. Bitcoin Satoshi Vision (BSV) is today the only Bitcoin implementation that follows Satoshi Nakamoto’s original whitepaper for Peer to Peer Electronic Cash. Bitcoin BSV is the only major public blockchain that maintains the original vision for Bitcoin as fast, frictionless, electronic cash.
Business 4 hours ago
Swiss executive government wants laws more suited to blockchain
The Swiss Federal Council believes that the country’s laws could be better adapted for integrating blockchain. In its report, ‘Legal basis for distributed ledger technology and blockchain in Switzerland,’ the council said that the existing ...
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2 crypto investment projects face 90-day suspension in Italy
For precautionary reasons, Italian securities regulator Commissione Nazionale per le Società e la Borsa (CONSOB) has suspended two projects that were reportedly offering fraudulent crypto investment schemes in the country. Effective Dec. 12, Bitsurge Token ...
Business 13 hours ago
France: AMF blocks four more crypto firms
The Autorité des marchés financiers (AMF), the financial authority in France, warned the public against unauthorized investment offerings in the country. According to the announcement, the financial authority stated that they had blacklisted four more ...


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Michigan has the 13th Lowest GDP per Capita
The COVID-19 pandemic dramatically shifted the economic landscape in the United States, and the effects are still lingering. These repercussions have been felt around the world, and their effects have altered local economies as well. In areas where remote work increased, considerations around transit, zoning laws, taxes, and broadband internet have taken center stage. In addition to changing office culture, the popularity of remote work is helping to transform the economic map as hundreds of thousands of Americans have left coastal cities like New York and San Francisco to live in more affordable locations in southern or mountain states. Meanwhile, after persistent supply chain disruptions, there has been a resurgent emphasis on domestic manufacturing, impacting certain areas of the country more than others.
With fluctuating economic changes across the U.S., it’s difficult to gauge how the country is recovering as a whole, as well as how local economies are faring. Fortunately, one way to measure the virus’s economic impact is through gross domestic product (GDP).
GDP is the value of all goods and services produced in an economy, and in the U.S., its path since the onset of the COVID-19 pandemic provides the most basic measure of the virus’s impact on the economy. Although U.S. GDP has averaged an annual inflation-adjusted growth rate of over 3% since 1929, the pandemic caused historic drops in 2020. Real GDP dropped 2.7% from 2019 to 2020. Prior to 2020, the last time GDP fell was in 2009 during the Great Recession, decreasing 1.6% from 2008. And before that, a drop in GDP had not occurred since the early 1980s.
While U.S. GDP in aggregate decreased from 2019 to 2020, gross private domestic investments decreased by 5.5% and the trade deficit grew by 7.1%. Personal consumption expenditures decreased by 3.1%, while government consumption expenditures and gross investment actually increased by 3.2%. Fortunately, the U.S. is showing signs of recovery, with a 5.7% increase in GDP from 2020 to 2021, and a smaller yet still noteworthy 1.1% increase from 2021 to 2022.
While total GDP includes consumer spending, business spending, government spending, and international trade, contributions to GDP vary widely by industry. In 2021, real estate alone accounted for over 11% of U.S. GDP, amounting to over $2.6 trillion in economic activity. The next largest industry was finance and insurance, which accounted for 8.4% of U.S. GDP. State and local government spending was not far behind in third, making up 8.3% of U.S. GDP.
Manufacturing of non-durable goods contributed the least of all industry groups, but still made up 4.7% of U.S. GDP.
GDP can vary dramatically by location, and the states with the highest GDP per capita are found on the east and west coasts. New York leads in GDP per capita at $95,851, with Massachusetts and Washington coming in second and third, at $91,819 and $87,546 respectively. California is not far behind with the fourth-highest GDP per capita, producing $85,969 of economic output per resident. Coastal access is vital for international trade, with more than 90% of world trade using sea routes to transport goods back and forth. Millions of jobs are also directly dependent on the resources of the oceans and Great Lakes, so it makes sense that the majority of large U.S. metros with the biggest economies are also on the coasts, or bordering Lake Superior or Lake Michigan.
The data used in this analysis is from the U.S. Bureau of Economic Analysis. To determine the locations with the largest economies, researchers at Smartest Dollar calculated the gross domestic product per capita. In the event of a tie, the location with the greater total gross domestic product was ranked higher.
Here is a summary of the data for Michigan:
Gross domestic product per capita: $56,931
Total gross domestic product: $572,205,800,000
Private industry gross domestic product: $513,236,900,000
Government gross domestic product: $58,969,000,000
Personal income per capita: $56,494


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Google Is Finally Bringing Their Platforms Together
Google chose to take a different path then their main competitor when they chose to separate the Android platform into a OS for phones Android 2.3 Gingerbread and Android 3.0 Honeycomb an OS for tablets. This was a very different approach then that of Apple which put the iPad and iPhone together in a single OS release. One gets criticized for just being a big iPhone and the other for once again fragmenting their mobile ecosystem.
That brings the question which is the better approach? Can you use the same OS for a 4" phone that you use on a 10" tablet and still maximize the potential of both? Where does Google and Apple TV fit into this equation? Read on for an in depth look at the future of mobile computing and internet connected TV.
Is Android Ice Cream The Magic Recipe?
Do platforms gain more from a dedicated OS, or does bringing them under the same umbrella do more to improve development and user experience? Eric Schmidt answered this question at MWC when he stated Ice Cream will merge Gingerbread & Honeycomb. In a report by GTV Source we also learned that Ice Cream will mark Google TVs addition to the AOSP ( Android Open Source Project).
Google TV is a major opportunity and it deserves the attention of the AOSP team. Currently Google has yet to release the Honeycomb source code to the dismay of many. The reason behind not releasing the code yet is to prevent further fragmentation and it seems as if either way there are going to be those that complain.
Phandroid has a report that the reason for the code not being released is that the integration with Google TV is coming with Ice Cream and to release the code now would lead to more fragmentation. If the code were to be released without TV integration when those features are added they would be left out from anyone who had already begun work on a product.
What Does Android Ice Cream Mean?
For starters it means that phones, tablets, Google TV users will all be running on the same code, and the same APIs. So compatibility between the three will be greatly enhanced because they will all be use the same underlying code across the board. A service used for the phone would be the same service used on the tablet and TV. This makes it easier for developers and for consumers who will see a more streamlined user experience.
The other major change this will bring about is a much quicker update process as Google only has to update one code. This will bring more time to develop new features and performance enhancements across the platform. While also allowing for app developers to make apps across all three platforms.
What do you guys think of Google combining phones, tablets, and TV under the Android Open Source Project? We should hear more next month at Google IO so stay tuned.


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COLORADO SPRINGS — New constraints on shipping and delivery vape merchandise are obtaining a important influence on nearby retailers.
FedEx is among the mail carriers banning the delivery of these goods which is producing some retailers to increase selling prices for their shoppers.
“It really is driven the selling price of our shipping and delivery up 1,000 percent. We use to ship a offer from keep to keep for $30 and now we won’t be able to get it from retailer to retailer for less than $325,” reported Josh Sprague, Proprietor of Absolute Vapor.
With alterations to distribution, Sprague claims they’ve experienced to make significant changes, which includes applying freight shipping to transport items.
“It’s triggered us to transform our whole organization product so to talk for the reason that we are applied to sending shipments weekly into these shops and now we are getting to do re-formulate and ship them bi-weekly, regular monthly, and in some eventualities quarterly. Some of our clients that we have in other states who acquire our merchandise, we’ve consolidated them into quarterly mainly because they are lesser businesses that are unable to afford these larger delivery charges,” stated Sprague.
Sprague claims the variations in shipping service fees have caused them to enhance rates to offset distribution fees. It can be also impacting the sort of items that appear into the store.
“One particular of the greater impacts is the elements we get to make our solutions. It’s been definitely tricky obtaining matters like nicotine across mainly because organizations are hesitant to ship it and a large amount of providers are misconstruing the polices and seeing them for additional than what they are or fewer than what they are. All of that confusion leads to them dropping out,” claimed Sprague.
The American Vaping Association, a pro-vaping advocacy business, is combating again from these shipping rules by sending a letter to FedEx signed by 428 compact business house owners urging the provider to reconsider its determination.
“You should rethink this disastrous conclusion, which will perpetuate another era of cigarette smoking-related fatalities – particularly amongst underprivileged communities,” the letter reported. “Devoid of the possibility to get vaping products and solutions at wholesale or ship their items to people, vape shops have witnessed their shipping and delivery possibilities skyrocket in value or evaporate solely. If customers are not able to entry or find the money for these lessened-possibility choices to cigarettes, they will be compelled to convert back again to flamable tobacco, which is considerably extra harmful and will have existence-long effects on their well being.”
According to the organization, the effects of the ban will be felt disproportionately amongst minority, minimal-cash flow, and LGBTQ communities. The letter factors out that these communities “smoke cigarettes at greater prices than white and additional affluent populations,” and Black People in america are amid the most likely demographic to use e-cigarettes as a device to give up combustible tobacco.
“It will have a whole lot of adverse impacts on particular demographics, especially all those who never have access to vape goods in smaller sized cities. When these selling prices start out to rise, there is a sure place when persons go again to using tobacco and which is what we are fearful of. We’ve assisted a ton of folks in Colorado Springs and to see our rates be forcibly lifted and the decline of organization is saddening,” claimed Sprague.
Dacia Hudson, System Manager for the Tobacco Training Prevention Partnership, suggests vaping products are not an permitted cigarette smoking cessation or tool.
“Vaping solutions are somewhat new, they arrived about in 2007 so there is even now a whole lot to be acquired about the solutions. We do know they contain a mixture of chemicals that are recognized to lead to shorter and extended-expression wellbeing effects. Some of those chemical compounds are acknowledged to bring about cancer, most vape juices contain some amounts of nicotine. It’s undoubtedly not safe and sound for younger folks mainly because their brains are creating so that is why we function so tricky to protect against youth from beginning,” stated Hudson.
She claims folks who vape are 4 instances more probable to use a regular cigarette within just the pursuing year.
“We celebrate any person who is attempting to stop using tobacco or applying any variety of tobacco merchandise. We acknowledge that some men and women could want to achieve for an e-cigarette as a useful resource nonetheless it really is not an accepted smoking cessation or resource,” explained Hudson. “We strongly encourage individuals to employ absolutely free means we have in Colorado this sort of as the Colorado Quitline which is a free method that people can get coaching and nicotine substitution therapy. That is genuinely in which we consider to issue men and women way too, individuals resources that we know and confirmed to be productive.”
Irrespective of the new difficulties, vape house owners say they will continue on preventing to preserve the local community away from tobacco products and solutions.
“Food and drug administration, the point out, Prop EE, it appears like each and every angle they can come at us they have been. We’re here combating,” said Sprague.


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EU sets out curbs on tech firms like Amazon, Google, more
The European Commission has proposed a new set of rules promising to reform the “digital space”, including social media and ecommerce platforms.
The Digital Services Act and the Digital Markets Act promise more protections for consumers, while, the commission says, improving innovation thanks to a modernised set of rules.
Among the measures suggested are yearly checks on standards around removing illegal and harmful content, restrictions on the use of customer data, and measures to prevent companies ranking their own services above others.
In , Margrethe Vestager, Executive Vice-President for a Europe fit for the Digital Age, said: “The two proposals serve one purpose: to make sure that we, as users, have access to a wide choice of safe products and services online. And that businesses operating in Europe can freely and fairly compete online just as they do offline. This is one world. We should be able to do our shopping in a safe manner and trust the news we read. Because what is illegal offline is equally illegal online.”
Behind the rules is the threat of large fines - up to 10% of a company’s worldwide turnover - and even potential forcible breaking up, with the EU referring to “structural measures” that might involve divesting businesses.
Commissioner for Internal Market Thierry Breton said: “Many online platforms have come to play a central role in the lives of our citizens and businesses, and even our society and democracy at large. With today's proposals, we are organising our digital space for the next decades. With harmonised rules, ex ante obligations, better oversight, speedy enforcement, and deterrent sanctions, we will ensure that anyone offering and using digital services in Europe benefits from security, trust, innovation and business opportunities.”
The proposed rules represent a strengthening of existing rules that recently saw for breaking data protection rules
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