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ASIC has released its first review of the buy now pay later industry.
Buy now pay later arrangements allow consumers to defer payment for purchases from participating merchants by paying the buy now pay later provider for that purchase over time but obtaining the goods and services from the merchant immediately.
A buy now pay later arrangement usually involves a contract between the consumer and the buy now pay later provider, a contract between the consumer and the merchant, and a contract between the provider and the merchant.
Each provider in ASIC’s review charges merchants when consumers use a buy now pay later arrangement. Some providers also charge consumers for these arrangements. Arrangements are available in-store, online, and sometimes through door-to-door sales.
Under the arrangement, consumers are generally not charged interest. However, some arrangements have an establishment fee and account-keeping fees. Consumers may also be charged a fee if they miss a payment.
While ASIC found that each provider in its review contractually prevents merchants from charging consumers higher prices for using a buy now pay later arrangement it said that it had received anecdotal evidence that some merchants may have charged consumers significantly higher prices for using a buy now pay later arrangement.
While some buy now pay later providers offer fixed-term contracts up to 56 days for amounts up to $2,000, other providers offer a line of credit for amounts up to $30,000.
In its review, ASIC found that one in six consumers had either become overdrawn, delayed bill payments or borrowed additional money because of a buy now pay later arrangement.
These arrangements are not regulated under the National Credit Act and as a result, providers are not required to be licensed or to comply with the responsible lending laws that prohibit a lender from providing credit that would be ‘unsuitable’ for the consumer.
However, these arrangements are considered ‘credit facilities’ under the ASIC Act meaning that ASIC can take action where a buy now pay later provider engages in conduct that is misleading or unconscionable.
The review examined six providers, four of which are part of larger ASX-listed companies. The buy now pay later arrangements ASIC reviewed were: Afterpay, zipPay, Certegy Ezi-Pay, Oxipay, BrightePay, and Openpay.
Only one out of the six providers reviewed examined the income and existing debts held by consumers before providing their services. ASIC also received reports of instances where consumers were allowed to use a buy now pay later arrangement despite having limited or no income and substantial existing debt.
ASIC tested each of the provider’s performance in areas such as transparency, dispute resolution, and hardship. As a result, all of the providers made changes: for example, all of the providers are now members of the new Australian Financial Complaints Authority, and all of the providers are reviewing their standard form contracts for potentially unfair contract terms.
Given the potential risks to consumers, ASIC supports extending the proposed product intervention powers to all credit facilities regulated under the ASIC Act.
ASIC says it may be that buy now pay later providers should be required to comply with the National Credit Act. ASIC has not yet formed a view that this is necessary.


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Fantozzi and representatives from 55 other companies that sponsor NASCAR sat at tables and chatted about potential partnerships at the business-to-business meet-up put on by the race league's sanctioning body.
As part of its sponsorship deals with companies, NASCAR stages these quarterly "Fuel for Business Council" sessions in hopes their sponsors will spawn business deals among themselves that they otherwise would not if they were not fellow NASCAR sponsors. NASCAR also holds business-to-business or B2B gatherings as part of race events in the San Francisco, Chicago and Miami markets.
NASCAR is the only major-league sport that offers these business gatherings for its sponsors.
"After the intellectual property, it's the next strongest asset," Norris Scott, NASCAR partnership marketing vice president, said of the value of the B2B meetings as part of a NASCAR sponsorship. Fantozzi, Goodyear's marketing manager for global race tires, for example, had face-to-face meetings with counterparts from companies such as 3M, Creative Recycling, Nationwide Insurance and ZAK Products.
Fantozzi said he used Friday's gathering of NASCAR sponsors to explore deals with green companies Creative Recycling, a company that recycles electronic equipment, and Liberty Tire Recycling.
"The potential is the idea of zero landfill," Fantozzi said.
Nationwide Insurance, which also sponsors a car race series, has used its NASCAR sponsorship to develop or enhance business relationships with fellow NASCAR sponsors Camping World; 3M; UPS; Sprint; NASCAR RV Resorts; Lionel NASCAR Collectables; Getty Images, and Turner Digital.
Nationwide uses UPS as its exclusive shipper, while UPS helps Nationwide reach potential new customers, said Jim McCoy, Nationwide director of strategic sponsorships.
Few companies use these NASCAR B2B gatherings more effectively than Ford Motor Co., which was recognized by NASCAR with the 2012 "Driving Business Award" Friday.
Ford sells thousands of vehicles to fellow NASCAR sponsors for their corporate fleets, said Tim Duerr, Ford motor sports marketing manager.
Duerr, a 35-year Ford veteran, recalled forging a sweepstakes deal with fellow NASCAR sponsor Sprint that resulted in the car company selling more than 1,000 vehicles as a result of 50,000 people Ford was able to contact through the promotion. The sweepstakes winner won a $32,000 Ford Fusion pace car, while Ford cashed in by selling the 1,000 cars, he said.
"These meetings (with other sponsors) put me in front of all these folks," Duerr said. "It's a lot easier to do business face-to-face." Business Review Journal

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Apple Wants To Be A Television Star, Uncovered Patent Suggests
June 23, 2011
Apple is cooking up something tasty for all of us couch potatoes: interactive widgets by way of its Apple TV. Unlike traditional TV widgets, these would allow us to 'talk back' in real-time about current television programming. The proposed system, described by Apple as being an enhanced TV widget paradigm, is part of a new patent application, according to Patently Apple. Unlike existing television widgets that are static, Apple’s paradigm involves “taking widgets to the new level of live widgets that will interact with TV shows.” Widgets are nothing new for television viewers. Some of the most popular are those offering current weather or stock information, for example. However, Apple is thinking bigger. It wants to create a TV environment where widgets are aware of the media content that the TV is currently presenting. According to Patently Apple, Apple sees:
An enhanced TV widget paradigm in which widgets are capable of being content-aware and thus capable, among other things, of automatically (i.e., without intervening user input) providing the user with access to information or other resources that are complementary or otherwise relevant to the media content currently being presented by the TV set to the user.For example, U.S. television viewers could someday use this type of technology to vote for their favorite American Idol contestant in real time via their television. Or, Jaws viewers, for example, would automatically gain access to a Jaws Trivia app that would magically appear when you begin the program. This is amazing stuff and seems to be further confirmation Apple is intent to become a bigger player in the TV Room. This follows a reported earlier this week that suggests Apple will soon reveal its first iOS-powered television display. Thoughts?


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Night of Dark Shadows
House of Dark Shadows and Night of Dark Shadows are hitting home video for the first time ever on Blu-ray and DVD on October 30th, and we have your shot to nail down a pair of these classics in all their high definition glory right now!
Never mind the mind-numbing weirdness of Tim Burton's Johnny Depp flick, we're talking about the original goodies right here, kids. Read on for the first look at the DVD and Blu-ray releases of House of Dark Shadows and Night of Dark Shadows!
San Diego Comic-Con 2011: Dark Shadows Panel Highlights; Original Cast Cameos Confirmed for Tim Burton's Dark Shadows Film
Hermes Press hosted a "Dark Shadows" panel with Lara Parker (Angelique), Kathryn Leigh Scott (Maggie Evans and Josette du Pres), and Jim Pierson (consulting producer for the new Dark Shadows film). The big news was that four of the original cast members will be making cameos in Tim Burton's new film! Read on for the details and much more.


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Developer Media Molecule has announced that upcoming PS Vita exclusive game Tearaway will be delayed by one month.
The release date has been pushed from October 22 to November 22, a crowded month that will be even more busier this year with next-gen consoles coming out.
"We are now in the final stages of development, and have come to the realisation that we need a little more time than we anticipated to finish the game; to tie all of the mechanics, story and amazing visuals together into the adventure that we want you to play," said on the Media Molecule blog. "To give us that time, we’ve decided to move the release date by one month, from mid-October, to November 22nd."
Will they delay affect your holiday gaming later this year?


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Super lice are hitting the Tri-State.
Residents of Ohio, Kentucky and Indiana aren't alone: A strain of lice resistant to over-the-counter treatments is being reported across the United States.
Tri-Staters have their own at-home remedies to treat the nasty nits. From using mayonnaise as shampoo, to tea tree oil, many WCPO-9 On Your Side Facebook fans posted home remedies for lice on our Facebook page.
Here are some of their suggestions:


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Amazon Web Services (AWS) and Avalanche “collaboration” will make it almost immediately easier for developers to establish nodes on the Avalanche blockchain, including “one-click node deployment,” as carefully explained last week. should be
Ultimately, it may become easier for day-to-day businesses (i.e. non-crypto related companies) and even individuals to establish their own subnets like smaller private Layer 2 blockchains. not.
But perhaps the overriding message of the January 11th announcement is that the blockchain revolution is not just about cryptocurrencies. The mundane things are also important, such as keeping documents safer and better stored for quick retrieval in an emergency. This includes decentralized finance (DeFi) and non-fungible tokens (NFTs), but compliance management, Ava Labs, creators of Avalanche, Said last week.
In a January 12th webinar attended by representatives from both Ava Labs and Amazon Web Services, John Nahas, Vice President of Ava Labs, explained: […] We need to expand the pie here. To draw more people into this ecosystem, we need to scale up the developers, companies and people looking to utilize this technology in a mass market way. “
While the Avalanche community generally welcomed the news of Amazon Web Services, some, like Ava Labs CEO Emin Gün Sirer, took issue with some of the language and claims. Assertion It’s not your grandfather’s ‘AWS partnership announcement’. “
Was this really a “partnership”? Exaggerated “use of services” agreementMaybe Amazon Web Services was more of a “technology aggregator” than a collaborator? Haven’t we already “partnered” with tech giants to allow us to design private networks, or even design private networks through Amazon? You were invited to “set up a managed Ethereum node”, right?
so TweetPastore Capital CEO Alejandro Pastore described the announcement as a “fake partnership between @avalancheavax and @amazon,” with Ava Labs “selling us a service rental disguised as a partnership with Amazon.” I explained.
In any case, at the Jan. 12 webinar, three Ava Labs managers, including President John Wu, joined Shai Perednik, AWS Global Tech Lead, Web3, and Bradley Feinstein, Web3 Lead, Amazon Web Services. Appeared. Feinstein specifically used the word “partnership” to describe the new Ava-AWS association, and no one present objected. AWS and Ava Labs announced another joint webinar in February and a co-sponsored hackathon in May.
Perhaps more importantly, the bigger question is: What does this relevance mean for the evolution of blockchain in general?
Matthew Sigel, head of digital asset research at VanEck, told Cointelegraph: Companies looking to launch blockchain-based applications from their AWS environment can choose Avalanche for the best support and pricing, he said, adding:
“In Twitter Spaces attended by representatives from AWS and Avalanche, AWS is committed to marketing, education, and discounts for companies launching Avalanche subnets within AWS.”
In Sigel’s view, the collaboration could result in a positive spin-off for the industry, spurring “meaningful innovation in this space.” Amazon Web Services’ active presence in this market may make it easier for companies to launch permissionless blockchains faster and easier.
Recently: FTX Fallout: SBF Trial Could Set Precedent for Crypto Industry
And Amazon isn’t the only tech giant moving in this direction. “Remember that Google Cloud launched a similar partnership with Solana back in November,” Sigel said. Given that so much computing has moved to the cloud, “it’s positive to see this kind of effort from a major provider.”
“The main news here is that Amazon Web Services supports the Avalanche blockchain ecosystem,” Sarson Funds analyst Evan LaMontange told Cointelegraph, adding Avalanche’s custom subnets to the AWS Marketplace. Made it possible to integrate into Places. Both individuals and institutions will be able to launch subnets that can operate as self-contained blockchains. system. he added:
“This creates a new vision of scalability, allowing entities to easily build their own standalone blockchain systems.”
But some doubt that this new collaboration will add industry-level importance. Freddy Zwanzger, Blockdaemon’s Ethereum ecosystem leader, told Cointelegraph, “This certainly means that launching/running AVAX nodes is easier on AWS,” but “another There are already other blockchain nodes/templates available from the cloud or hosting providers.”
Of course, Zwanzger added that the improvements in running the blockchain infrastructure are positive.
Elsewhere, Howard Wright, vice president and global head of startups at AWS, called the partnership between AWS and Ava Labs a “pivotal moment,” noting that blockchain technology has “become ubiquitous and driven by developers. This is the inflection point where it becomes used in our market.
Some comments on Twitter suggest that the announcement was primarily designed to boost the price of the AVAX token. “This is not the first time this has happened in this market.” I got it Pastore in his 15-part Twitter thread. “This market is riddled with manipulation,” he added:
the price of is like this $AVAX Token responded.
Almost 50% pump. Probably nothing.
They seem to have achieved their goal with marketing campaigns and fake partnerships.
— Alejandro™ (@Pastore1314) January 15, 2023
on the other hand, most all Cryptocurrencies got a boost after the announcement, but that probably had something to do with the news of more favorable interest rates than those typical of the crypto world. Comparing AVAX price volatility with Bitcoin (BTC) and Ether (ETH), AVAX was +34%, while BTC and ETH were not far behind at +24%. +19% each.
Unusual tripartite structure
Launched in September 2020, the Avalanche blockchain has some unique elements. It actually consists of three separate blockchains. The X-chain is used only for sending and receiving funds, the P-chain is used for staking and validator activities, and the C-chain is used for smart contracts and his DeFi application.
“The Avalanche blockchain may even use different consensus mechanisms based on the use case,” said CoinMarketCap. He differs from BTC and ETH where every node verifies every transaction. This division of labor undoubtedly increases transaction speed.
In fact, Avalanche claims to be the fastest smart contract platform in the industry as measured by time to finality. It also has the most validators securing the activity of the Proof of Stake protocol, according to Ava Labs.
Others recognize its strengths. “Avalanche offers near-instantaneous finality and his cost-per-transaction,” he comments Sigel. “Ethereum settles more slowly at a higher cost.” Ease of use is also something he considers Avalanche to be on other chains, given that AWS could make it easier for him to launch Avalanche subnets. , he added.
Cooperation with government
Ava Labs seems to be more committed to government support than other chain developers. In November 2021, it announced a “strategic partnership” with Deloitte to build a blockchain-enabled “disaster recovery platform” to make it easier for state and local governments to qualify for federal emergency funding. I made it possible to prove to
During a webinar, Ava Labs senior vice president Nick Mussallem said government remains an “under the radar” area for blockchain applications, noting that Ava Labs’ “partnerships” with Deloitte will help communities and government agencies like FEMA In cooperation with the administration fee:
“this [the blockchain] Help speed up your recovery by sorting out the paperwork you need to prove your eligibility [for funding]Retention is simplified by securely storing and linking all relevant documents to Avalanche. “
“Subnet acting as AppChain”
The world of blockchain is changing and Amazon is about to board it. At least that’s the signal Ava Labs was sending last week.
“AWS is aware of how blockchain is evolving, with subnets acting as appchains, and we want to be one of the hosting providers for the many subnets people are launching. thinking about.” Said Syrah.
Recent: App-specific blockchains remain a promising solution for scalability
Maybe Ava Labs went a little too far in claiming a “partnership” with Amazon. This is like the Moon claiming a partnership with the Sun. However, Ava Labs has taken advantage of the flexibility, scale, and power of AWS to allow developers to build subnets for everyday enterprise, government, and other use, while targeting use exclusively for crypto-natives. Kudos for looking beyond the case.
Ultimately, if blockchain technology ever gains mainstream status, it will be built per subnet and include mundane use cases such as document retention.


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Tesla’s shares fell 5.56% on Tuesday as rumors emerged that Musk would be selling off some of his extensive holdings of the company’s shares to help fund his Twitter purchase, per data from the Lead Lag report.
More recently on April 29, it was confirmed that Musk had sold about $8.5 billion worth of Tesla shares. Musk himself said that the amount would be all the shares of the company he would unload.
Will Musk sell his cryptocurrencies too?
According to a Reuter report, Musk is looking to raise the rest of his $44 billion bid from banks. This implies that he is continuing to keep his cryptocurrency holdings as he previously stated in March of this year.
The move points to his confidence in the crypto assets he holds including Bitcoin (BTC), Ethereum(ETH), and Dogecoin (DOGE). Recall that the billionaire previously revealed that apart from shares of his companies, these three cryptocurrencies make up the largest part of his personal property.
Musk lays out more plans for Twitter
As Musk is getting closer to his goal of taking Twitter private, he has been laying out more plans for the company. The aforementioned Reuters report revealed that the Tesla CEO shared more of his plans with the banks he is in fundraising discussions with.
Musk noted that he will greatly increase the platform’s revenue and introduce new features. Among the revenue-increasing plans is a proposal to charge websites a fee when a viral tweet from verified Twitter accounts is quoted, as well as changes to Twitter Blue.
It has also emerged that he is considering a crackdown on the pay of executives and will probably appoint a replacement for Parag Agrawal who became CEO last November.
[4/30, 9:36 PM] Finer than yo daddy: Non-Fungible Tokens (NFT) have been one of the hottest sectors in the crypto market recently. This is most strongly emphasized by the performance of OpenSea, the largest NFT marketplace by sales volume in the last week.
The presented content may include the personal opinion of the author and is subject to market condition. Do your market research before investing in cryptocurrencies. The author or the publication does not hold any responsibility for your personal financial loss.


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Fans of the Assassin’s Creed franchise can rejoice as it looks like the latest upcoming installment has officially entered gold status. This is some big news for the franchise especially since 2019 went by without a new installment to the series. After Assassin’s Creed Odyssey released, the development team at Ubisoft took a year to really craft up the next thrilling installment. Now fans can prepare to dive into Assassin’s Creed Valhalla when it launches next month.
If you’re unfamiliar with the gold status, this is a milestone that development teams really strive to reach. It’s here that the developers have officially wrapped up the main consumer-ready edition of the video game build. From there, the game is ready for manufacturing where discs are packaged up and prepared to be sent into the marketplaces around the world. For this particular installment, Assassin’s Creed Valhalla is set to launch on November 10.
In Assassins’ Creed Valhalla players are thrown into the role of a Viking leader who is aiming for expansion. You’ll get a look into the lives of these travelers as they embark into Europe where they are met with the biggest battle to date. Much like the previous iteration, Assassins’ Creed Odyssey, players will find that the game will include some mythology to play around with. There’s also the leveling system in place for skills and gear. However, one aspect that you won’t find making a return from Assassin’s Creed Odyssey is the fact that there is no longer a requirement to grind side quests to get XP in order to continue progressing through the main storyline campaign.
As mentioned, Assassin’s Creed Valhalla is releasing on November 10, 2020, for the PC, PlayStation 4, Xbox One, and Xbox Series X. Meanwhile, the PlayStation 5 platform will receive the game at launch on November 12, 2020.


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Motorola Solutions stories
Motorola Solutions unveils Experience Centre for safety tech in Gurugram
Motorola Solutions opens an Experience Centre in Gurugram, India, showcasing safety tech including AI-powered communications, video security and access control to bolster public safety and enterprise security.
Motorola Solutions unveils Experience Center in Gurugram, India
Motorola Solutions' new Experience Centre in Gurugram, India, showcases cutting-edge safety and security tech to law enforcement and enterprise security sectors.
Motorola acquires London surveillance firm Silent Sentinel
Motorola Solutions acquires UK-based Silent Sentinel, a leading provider of advanced video surveillance solutions, in a strategic move that enhances its video security portfolio.
Motorola Solutions acquires Rave Mobile Safety
Motorola Solutions acquires Rave Mobile Safety to enhance mass notification and incident management capabilities in emergencies.
Motorola Solutions helps Tasmanians report crime
The new technology will allow Tasmanian citizens to quickly and safely share crime-related information with police.
Motorola Solutions wins two Good Design Australia awards
Motorola Solutions has won two major awards at Australia's peak international design awards, Good Design Australia.
Tasmanian Government sees success with Telstra, Motorola Solutions partnership
Tasmania Police successfully test encrypted radio system in early access trial of Tasmanian Government Radio Network.
Motorola Solutions celebrates 50 years in Malaysia
Motorola Solutions celebrates 50 years in Malaysia, highlighting the country's skilled engineering talent and innovative offerings used globally.
Motorola acquires radio comms provider Barrett Communications
Motorola Solutions says the two companies are united in delivering vital communications that organisations worldwide depend on.
Motorola Solutions deploys communication system to 5th Japanese airport
Motorola Solutions with its partner, Nippon Airport Radio Services deployed the mission critical communication system to Kansai.
Motorola Solutions to upgrade Taiwan’s police network
Motorola Solutions to upgrade Taiwan National Police Agency's communication network in $128m project. Increased coverage and new security features expected.
Motorola Solutions acquires Videotec S.p.A for security portfolio
Motorola Solutions has acquired Italian ruggedised video security company Videotec S.p.A, along with its portfolio of highly versatile cameras.
Transforming business operations with broadband push-to-talk service
Are you pressed to meet higher growth targets, needing more business opportunities but hampered by shrinking operational budgets?.
Technology underpins public safety in post-pandemic world - Motorola report
Study shows 88% of people want public safety transformed through advanced technologies, including cloud, cybersecurity, data analytics and video cameras.
Digital capabilities reshaping the future of facility management
Rhys Clare explains how building managers and stadium operators can leverage technology for every patron's benefit.
Telstra's 5G footprint now covers 50% of Australians, the company says
Over half of Australians now live in Telstra's 5G coverage footprint, marking a 'huge step forward' for the company's roll out.
Motorola to launch smart, rugged personal radio
The MXP600 TETRA radio includes intelligent mic and speaker management for noisy environments and a connected app for flexible comms.
Motorola updates tech for resource industry safety
Launches video and voice features to help resources companies adhere to face mask and social distancing rules.
IWD 2020 interview: Motorola Solutions' Mandy Gill
Honouring Women's Day, Mandy Gill discusses drawing more women into tech on Motorola's initiative.
Motorola APX NEXT brings tech innovation to public safety
Motorola unveils APX NEXT, a smart radio with ViQi voice control for first responders.
Major wins for Motorola Solutions at CCW awards
Motorola Solutions hailed at ICCA, clinches 3 awards including Young Engineer of the Year.
Motorola Solutions showcase the latest in mission-critical innovation
CCW to showcase Motorola's customisable comms for transport, energy and utilities; boosts rail safety with Siemens.
Victoria Police complete rollout of Motorola Solutions managed service
Motorola Solutions completes rollout of new mobility service to Victoria Police, enhancing situational awareness and productivity.
Motorola Solutions Penang celebrates 45 years of innovation
Motorola Solutions marks 45 years of tech innovation in Malaysia, lauds local engineering acumen.


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Administrators of Tamar Valley Dairy have been granted extra time to explore the "encouraging" proposals received that could salvage the Tasmanian dairy company.
Tamar Valley Dairy, which supplies branded products to Coles and no-name products to Aldi supermarkets, collapsed in September with an estimated $9 million in debt. It is believed to have suffered cash flow problems after building a new factory.
Administrators Deloitte Restructuring Services said a second creditors' meeting would now be held by the end of February, allowing it extra time to assess options for the business.
Options include "proposals from interested parties for either a recapitalisation of the company (including a possible deed of company arrangement by the directors) or sale of the leasehold business".
The directors are Guaraci Matteo and Teresa Matteo.
"The level of support continues to be very encouraging and we expect to be in a position to provide all stakeholders with more certainty over the coming weeks," said Deloitte Restructuring Services partner Tim Norman.
At the time of its collapse, the administrator said the 17-year-old Tamar Valley Dairy operated in an "extremely competitive sector" and had been "challenged by a slowdown in sales and pressure on margins".
The proposals to revitalise the business come as a bidding war has broken out for control of Warrnambool Cheese and Butter, with three competing offers for the company from local and overseas bidders, with speculation of further bids being received.


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The 404 1,215: Where we stand up to stereotypes (podcast)
Chiropractors are finding new kinds of scoliosis, thanks to the awkward way we rest while using smartphones and tablets. On today's show, we'll demonstrate a few of our favorites, and talk about the weird buying habits of obsessive record collectors.
Wearables are largely aimed at the person who just wants to maintain a good weight, sleep enough, and maybe get in a little cardio. CNET's Brian Cooley tells you why 2014 could be the breakout year for wearable tech.


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A Vancouver company that processes payments through a cloud-based system may be bought by PayPal Holdings Ltd.
TSX-listed TIO Networks Corp. handled more than $9 billion in consumer bill payments in its last fiscal year. (All figures in this story are in Canadian currency.)
According to a news release issued by both companies, PayPal has announced a "definitive agreement" to pay $304 million for TIO.
The deal still requires the approval of two-thirds of votes cast at a special meeting of TIO shareholders.
The meeting is expected to take place in April.
Shareholders representing 50.4 percent of the company's equity have already granted approval, including company directors and officers, and funds managed by Core Innovation Capital, Napier Park Financial Partners, Edison Partners, Inter-Atlantic Advisors, and Inductive Capital.
"In addition to TIO securityholder approvals, the transaction is also subject to other closing conditions, including the receipt of approvals relating to TIO’s money transmitter licenses, the expiration or early termination of the applicable pre-merger waiting period under the Hart-Scott-Rodino Antitrust Improvements Act of 1976, and court approval in British Columbia, Canada," the news release states.
The purchase prise is slightly more than 25 percent above TIO's average value over 90 trading days.
“By acquiring TIO and integrating bill payment into our global payments platform, PayPal adds another key service in our efforts to become a part of a consumer’s everyday financial life," PayPal president and CEO Dan Schulman said in a news release.
He added that two billion people around the world don't have "affordable access to basic financial services".
"TIO’s digital platform, and physical network of agent locations make paying bills simpler, faster, and more affordable," he stated. "We are excited by the opportunity to extend this valuable service to our existing customers and welcome new billers and customers to PayPal."
The chairman and CEO of TIO, Hamed Shahbazi, said that his company's mission "fits perfectly with PayPal's vision to democratize money".


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JEC Group have brought together the international community of composites leaders and executives in our Composites Circle as an unique networking opportunity to meet with both peers and future partners.
AOC, LLC announces a price increase of US$0.04/lb for all products sold in Mexico.
The increase is effective September 10, 2012.
This action is due to ongoing price pressure on several raw materials. AOC’s global purchasing resources continue to work with suppliers to manage costs and continue to meet our customers’ needs.


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Quarter three saw iPhone sales decline steeply, says Gartner, despite the successful launch of the iPhone 11 models.
We’ve already seen Canalys, Strategy Analytics, and IHS all agree that iPhone sales fell year-on-year, with Apple implicitly admitting as such, but Gartner says things were even worse than the picture so far presented…
There was surprise in some quarters last month at the apparent contradiction between Apple’s announcement of record-breaking Q4 earnings (calendar Q3) and estimates of falling iPhone sales.
That was, however, easily explained, as we noted at the time.
iPhone revenue was back up above 50% of total income, at $33.36B. And Tim Cook said that iPhone 11 sales were off to “a very, very good start.”
But there was one clue that all was not what it seems in what Cook didn’t say. In explaining how Q4 revenue was so high, there was no mention of iPhone.
“We concluded a groundbreaking fiscal 2019 with our highest Q4 revenue ever, fueled by accelerating growth from Services, Wearables and iPad.”
Previous estimates of the fall ranged from 2% to 7%, but Gartner puts the iPhone sales decline at more than 10%.
Apple sold 40.8 million iPhones, a year-over-year decline of 10.7%. “Although Apple continued its sales promotions and discounts in various markets, this was not enough to stimulate demand globally,” said Mr. Gupta. “In the Greater China market sales of iPhones continued to improve, however, it follows a double-digit decline recorded at the beginning of the year.”
Gartner did report strong numbers for the iPhone 11 models, though these didn’t balance out the fall in sales of older iPhones.
The iPhone 11, 11 Pro and 11 Pro Max saw good initial adoption, which suggests that sales may be positive in the remaining quarter.
Gartner says there were two factors at play. First, a shift in consumer demand away from flagship smartphones toward mid-range ones – an area where Apple doesn’t compete. Even Apple’s cheapest models sit well above the price range considered to be mid-tier.
Second, consumers are waiting for 5G. Apple opted to wait until next year to offer 5G support, and that doesn’t seem to have hurt it too badly. Even where 5G handsets are available from Android brands, Gartner says that most are delaying their purchase until 2020 anyway, when 5G coverage is likely to have increased beyond the relatively token service offered so far. One recent report suggested Apple is expecting its 5G models to have a massive impact on demand.
There is optimism about the holiday quarter, with official government figures suggesting that year-on-year iPhone shipments in China were up 6% in September and October, with increases also likely to be seen in other countries thanks to the popularity of the base model iPhone 11 in particular.
FTC: We use income earning auto affiliate links. More.


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Companies love celebrity branding as a strategic marketing thing – and K-Pop’s hottest idols are always being chased after for their endorsements. Like so, the soda pop brand “Fanta” recently signed with AB6IX‘s Lee Daehwi, along with Somi, to promote their pineapple and orange flavored drinks.
And in light of Lee Daehwi’s most recent airport pictures, AB6IX fans are now pointing out that Fanta is getting the most bang for their bucks for hiring Lee Daehwi – because this K-Pop star has completely embraced his identity of “human form of Fanta”!
Here’s Lee Daehwi spotted at the airport, rocking his Fanta T-shirt…
— 딩 (@ding_129) July 5, 2019
… and Fanta wrist watch!
No matter where Lee Daehwi goes, he is busy promoting Fanta drinks and fans are cracking up at this enthusiasm and professionalism, taken to the next level.
Fans now refer to Lee Daehwi as “Fanta Boy” and “Human Fanta”. They continue to remain fascinated by the fact that Lee Daehwi, while showcasing his love for Fanta, looks amazing and truly model-like!


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There is no shortage of cool cars that you can’t buy in the United States. Here’s a list of amazing ones you can buy.
The Specialty Equipment Market Association Show, otherwise known as SEMA, is being held this week in Las Vegas. It’s the perfect location to showcase over-the-top cars, which is exactly what Nissan is doing with five special SEMA vehicles. The Nissan Project Clubsport 23 celebrates the much-loved 370Z. The idea was to create a car owners […]
Some of the most iconic affordable import sports cars were built by Japanese companies in the ’70s, ’80s, and ’90s. Here’s how it began, why it ended, and how it may well rise again.
The Nissan 370Z gets a mild facelift for 2018 that includes new optional 19-inch wheels. Otherwise, this car remains unchanged, which makes it a bit old in car years with its last redesign now five years back. Still, the 370Z is holding its own.
The Nissan 370Z offers something unique for a sports car. It’s available as a coupe or convertible with the driving dynamics and sexy styling of a sports car at a price that doesn’t put it out of reach for all but the privileged few.
While the performance-car market has shifted since the 370Z debuted, Nissan’s two-seater still has some compelling aspects.
What is It? It’s a one-off design study Nissan calls the “ultimate factory Z Roadster,” with amazing styling, open air pleasure and 350hp.


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DEARBORN - For the past four years, Ford Motor Company employees across the globe have been living by the tenets of the One Ford plan, including working together to provide customers with a full portfolio of vehicles that deliver on the four pillars underpinning the Ford brand: Quality, Green, Safe and Smart.
As the new year begins, the journey continues with the inception of Go Further, a global brand promise that gives One Ford a voice and takes the One Ford plan to the next level by communicating to consumers the special attributes that distinguish Ford from other automakers.
“One Ford means so much to us as employees, but externally it’s hard for people to know what it really means and why it differentiates us,” said Jim Farley, group vice president, Global Marketing, Sales and Service. “Go Further literally allows us to document all of the output of One Ford and the One Ford plan, and it tells customers that our products and services go further than our competitors.”
While the phrase Go Further is new, the meaning behind it is not, according to Elena Ford, director, Global Marketing, Sales and Service.
“Go Further is something that already exists within Ford Motor Company,” she said. “It means that we’re never going to rest on our laurels. We’re always going to go further for great products, a strong business and a better world.”
Farley says Go Further is an ideal way to express the Ford brand promise because it captures the essence of three unique characteristics embedded in the company’s heritage: people serving people, ingenuity and attainability.
“At Ford, we go further because we serve each other – and that’s service to the local community, our dealers, ourselves as employees and our customers,” he said. “We are also committed to innovation and making our customers’ lives better in surprising ways. But we want to go further than just innovate. We want to make that innovation available to everyone, not just a few people.”
Ford is quick to point out that Go Further does not mean that employees are being asked to do more than what they are already doing.
“We’re not saying people aren’t doing enough. In fact, it’s quite the opposite. We’ve got a multitude of examples that are tied to Quality, Green, Safe and Smart where we are already going further,” she said. “But there are times when we still need to go further. It depends on the industry and the economics of the world.”


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The number of TV subscribers in the Netherlands fell by 0.5% to less than 6.9 million in 2021.
The decline accelerated in the last quarter of the year, leaving only 85% of households with a TV subscription at the end of the year, according to research by Telecompaper. Market leader Ziggo lost the most subscribers, while number two KPN and some smaller providers gained market share.
In total, the market shrank by 19,000 TV subscribers in the fourth quarter of 2021, more than twice the decline in the number of subscribers in the same period a year earlier, according to Telecompaper’s most recent Dutch Consumer Television report. The continued decline in the number of TV subscribers means that consumer pay-TV revenues are also lower in 2021, falling 1.5% to EUR1.78 billion for the whole of 2021.
Cable operator Ziggo is still the largest TV provider, but its market share fell by 1.2% to 48.1% of all TV subscribers at the end of 2021. Ziggo completed the phasing out of its analogue TV service in the first half of the year, which meant it could no longer benefit from customers migrating to its digital services. In total, Ziggo lost almost 100,000 private TV subscribers by 2021.
Number two KPN did better and saw a slight growth in TV subscribers thanks to the acquisition of customers from Oxxio, after the latter left the market. KPN ended 2021 with a market share of 33.1%, compared with 32.8% at the end of 2020. Delta Fiber (incl Delta and Caiway) followed at a distance with a share of 5.5%, M7 (incl Canal Digitaal and Online.nl) also with 5.5% and T-Mobile (incl Tele2) with 4.8%. All these parties have grown somewhat in terms of the number of TV subscribers by 2021.
“Traditional TV will face more competition from ott-streaming services and other online media, which will make young people in particular reconsider the need for a TV subscription,” said Kamiel Albrecht, Telecompaper analyst for the fixed market and author of the TV report.
“The current high rate of inflation will make it increasingly difficult for providers to offset the impact on revenue due to the smaller number of TV subscribers with price increases.”
For 2022, Telecompaper predicts that the rate of decline in the number of TV subscribers will double to around 1 per cent as the phasing out of the analogue TV signal no longer has an impact. The long-term forecast is that pay-TV household penetration will fall to around 77 per cent of households by 2026.


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Neiman Marcus building on Chicago’s Magnificent Mile sold
Neiman Marcus’ home since 1983, the four-story building went up for sale last fall, with some observers wondering if a developer would buy the property and clear it for a high-rise project. But Silvestri, a mall investor, is not a developer, and the structure of the deal and the language of JLL’s statement strongly suggests Silvestri is aiming to preserve the status quo.
“Neiman Marcus is one of only eight trades on Michigan Avenue over the past decade and was highly sought after by domestic and international capital due to the rare flagship offering on one of the most renowned high street corridors and most proven in the world,” JLL Managing Director Amy Sands said in the statement.
It is unclear what Silvestri paid for the property. Sands did not return a phone call, and a JLL spokeswoman declined to disclose the price. Representatives for Silvestri and UBS did not respond to requests for comment.
Silvestri does not own any other properties in Illinois, according to its website. Malls and other commercial properties in Texas and Florida make up the bulk of its portfolio.
The Magnificent Mile has become a risky location for commercial property investors in recent years, particularly since the COVID-19 pandemic swept through the city in 2020. Nearly a quarter of Mag Mile’s commercial space is vacant after the loss of chains such as Gap, Uniqlo and Macy’s. The owner of the Water Tower Place mall, just two blocks north of the Neiman Marcus store, recently turned over the property to its lender, and an investor in the Shops at North Bridge mall recently suffered a loss after transferring his interest in the property to his partner. .
But the Neiman Marcus store weathered the storm, according to a JLL marketing brochure for the property. Last fall, the Mag Mile store was the chain’s second most profitable location, and its year-to-date sales were 5% higher than the same period in 2019, according to the brochure. The store was on track to post sales of $123 million, or $629 per square foot, in 2021, the document said.
As the chain’s new owner, Silvestri will collect rent from Neiman Marcus, although it’s unclear how long is left on the retailer’s current lease, a major factor in the price Silvestri paid for the property. . Even in stormy markets, a property with a tenant locked into a long-term lease can be a relatively safe bet – and command a steep price – as the tenant is legally obligated to pay rent over the term of their contract. Investors will generally pay less if a lease is due to expire in the near future, to account for the risk of the tenant not renewing.
Silvestri acquired the Neiman Marcus property through a so-called 1031 exchange, a transaction that allows investors to defer capital gains taxes on the sale of a property if they reinvest the product in another. Buyers on 1031 exchanges will often reinvest their money rather conservatively, and almost never in risky real estate developments.
Silvestri also financed the acquisition with a seven-year loan, according to JLL, a hint that Neiman Marcus still has several years left on his lease. Few lenders would lend on a single-tenant property that extends beyond the term of the lease, wary of the risk that the tenant will not renew.
Cushman & Wakefield broker Greg Kirsch interpreted the sale as “good news for the avenue”, a sign that an anchor tenant will “return stability over time” to the Mag Mile. The loss of Macy’s at Water Tower Place last year and the closure of the Barney’s store at Oak and Rush Streets in 2019 have fueled speculation of other department store closures in the neighborhood. But Neiman Marcus likely got away with picking up customers who used to shop at Macy’s and Barney’s, Kirsch said.
“Even if sales are down overall, you lose some competitors,” said Kirsch, executive general manager of Cushman’s Chicago office. The real estate services company was not involved in this transaction.
But owning a department store has been a risky business for a while. The sector, which has been in decline for years, has suffered greatly during the pandemic. The Dallas-based Neiman Marcus Group restructured in Chapter 11 in 2020 and closed several major stores, but none here. But the chain is healthier today; its sales have rebounded over the past year. The company continues to operate stores in the Oakbrook Center and Northbrook Court shopping malls.
UBS, based in Hartford, Conn., had owned the Neiman Marcus store since 1998, paying $104 million for the property and offices in the adjacent Olympia Center tower, according to Cook County property records. In June 2020, UBS split the office and retail properties. UBS still owns the office space.


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There's a *lot* of crazy specs to talk about here.
Soon, you'll be able to join classic Spider-Man films and MCU movies starring Tom Holland right through Disney's direct-to-consumer streaming app.
The ultimate DSLR/live-streaming smartphone is here... for a hefty price.
The new quantum dot-powered television makes bold claims about its improvements over traditional OLED.
A new report indicates the fourth MCU Spider-Man flick is already underway behind the scenes.
The devices have a special periscope telephoto lens that can physically move.
Another competitor to the iPhone 12 mini and Pixel 5 may be on the horizon.


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Shares in battery technology provider Novonix Ltd (ASX: NVX) have sunk almost 18% since 2 December.
But the stock was still, by far, the best performing ASX tech share in 2021.
The Novonix share price rocketed 660%, riding the themes of green energy and the electrification of the motor car to the sunset.
There was daylight second, as the next best, Life360 Inc (ASX: 360), managed “just” a 157% return.
So does this mean now is a golden opportunity to buy Novonix shares?
Not much revenue, certainly no profit yet
The first thing to note is that Novonix is still at a very early stage of business development.
It’s certainly far from making a profit and doesn’t even generate that much revenue for a company with a market capitalisation of more than $5 billion.
In the 2021 financial year, Novonix reported $5.2 million of revenue. That’s almost a 1000-times valuation-to-sales ratio.
This is why it’s a polarising stock among analysts.
“A profit isn’t expected to be achieved for a few years so it will be incredibly announcement driven,” read a memo from Marcus Today last month.
“Deals with EV [electric vehicle] and tech companies to shore up supply chains likely to drive performance but that will come in dribs and drabs.”
Not sure if Novonix is a bargain yet
The current dip is largely the consequence of an eye-watering 32.4% fall on 3 December.
For the team at Marcus Today, the lack of information behind this descent is worrying.
“An unexplained 34% fall [in early December] should be a bit of a red flag,” the memo read.
“The move has taken some of the froth off the top, which is putting it back in the focus of ‘bargain hunters’.”
Considering these uncertainties, the Marcus Today analysts don’t think investors should be piling in at current price levels.
“The near-term picture doesn’t offer that much of a compelling reason to get involved,” the memo stated.
“Demand for its products is expected to gain momentum but until there are more cash flows, it is hard to value.”
Novonix shares closed Thursday at $9.94, down 6.9% on the day.


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Another planned upgrade is expected on the OpenSea network as plans are underway to take the system to a new level by updating existing features to boost efficiency.
One of the leading NFT marketplaces, OpenSea, is on the verge of upgrading its smart contracts to allow users to move their NFT collections to a new smart contract, and inactive users will have their NFT listings delisted from the platform.
The active NFT listings are currently hosted on the Ethereum blockchain network. The smart contract is now ready to accommodate the NFTs. The NFT created on February 18 will be discontinued by February 25, according to the statement released by OpenSea.
The new upgrade will reveal the old NFT listings on Ethereum and allow OpenSea to add more features in subsequent editions. After the successful movement of the active listings, the NFT listing will indicate the exact date of posting. But users unable to beat the deadline will be allowed to relish the delisted collectibles over the smart contract.
What Are The Expected Gas Fees?
OpenSea did not mention charging gas fees during the migration phase, but it will only cancel the previous Ethereum smart contract, automatically making the old smart contract invalid. That is to say, the old offers will expire at this phase, and any requests made at this point are not valid.
How Can Users Migrate Their NFTs?
OpenSea has made the migration of the NFT listings to the new smart contract as seamless as possible, with users visiting the OpenSea site, navigating their way, and clicking on the “Migrate Listing.” Afterward, users can find their way to the “confirm” tab, which is available to each listing on the website.
Lastly, a confirmation in the form of notification will show the migration option, and users could view the list of migration and their respective expiry dates.
It is interesting to note that, as an early bird in the NFT ecosystem, OpenSea has made the most of the advantage of being a player to become a leading marketplace for NFT transactions.
In reaffirming the NFT’s technology potential, Cointelegraph reported that one college student in Indonesia became an overnight success after becoming a millionaire following the trading he carried out by selling the NFT version of his selfie on OpenSea.
Cointelegraph said the student took a handful of selfies in many positions and postures, which he later converted into NFTs and loaded onto the OpenSea platform. In December last year. Subsequently, his collections reached 317 ETH, approximately half a million dollars in fiat currency.
Non-fungible tokens (NFT) are a disruptive technology with features that enable artists to make a fortune from their creativity like never before and, at the same time, reward their customers for their contributions through their patronage.
Many more creative industries and individuals have already confirmed their entry into the NFT space. It is only a matter of time before technology overtakes the mainstream art marketplace.


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Retail is the sector to play if our elected leaders can't reach a deal.
Boston Beer is initiated with a 'neutral,' and Target is downgraded to 'neutral.'
Panera Bread is upgraded to 'outperform,' and Yelp is initiated with a 'market perform.'
Apple, Nordstrom and Carnival offer escapes that won't break the bank.
Store renovations, new brands and pricing promotions will drive customer traffic and ultimately profitability.
Investors haven't been as keen on the sector as value-conscious shoppers.
These niche players are growing fast and strong.
VIDEO ON MSN MONEY
Copyright © 2014 Microsoft. All rights reserved.
The company complains after the son of Florida State's football coach is televised wearing -- gasp -- Under Armour.
The Market Dispatches column has been discontinued. Here's where to find the latest stock and business news on MSN Money, and the latest from market writer Charley Blaine.
MONEY & POLITICS
Breaking up big banks is an untested solution to the too big to fail problem that attempts to isolate and dismantle large, troubled institutions while protecting the rest of the economy.
Shopping at Costco saves money, even after paying the $55 membership fee, but comes at the price of buying in bulk and limited selection.
Six weeks later, most Americans have forgotten about the 2014 tax season -- except those who didn't file by the April 15 deadline.
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A charcuterie master shares his process for cold-smoking meat at home.
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Meet the Brewer on Buxton's new ale trail
REAL ale fans will be raising a glass in Buxton this weekend when the spa town launches its own Buxton Ale Trail.
The trail takes in a grand total of 16 pubs and bars around Buxton town centre and, to celebrate, several will be running special offers and tasting sessions on both Saturday and Sunday October 13 and 14.
The launch, to be followed by a Meet the Brewer event on October 21, will be a highlight of the fourth Buxton Beer Festival being staged at Buxton’s Pavilion Gardens as part of the Great Peak District Fair run by High Peak Borough Council.
Sample beers from Buxton Brewery, Wincle Brewery in Cheshire and Timothy Taylor in Yorkshire as well as organic beers from Manchester’s Marble Brewery will be offer at a promotional tasting at Portland Wines in Chapel Street on the Saturday while Wetherspoons, in Fairfield Road, will offer up to 10 ales throughout the weekend.
The Old Hall Hotel, in the Square, will be the setting for an evening of real ale appreciation led by Joe Ince from Buxton Brewery who will tell the story of brewing in the spa town on Sunday October 21.
There will be plenty on offer for non drinkers too as this year’s festival will also feature an autumn showcase in the Pavilion Arts Centre by 25 top-notch artists, designers and craftspeople from the Peak District Artisans.
In all, the fair will boast more than 100 stallholders and exhibitors selling products and produce crafted, handmade or hand-reared in the Peak District. The Octagon Hall will be packed to the rafters with stalls selling everything from food, fine art and furniture to ceramics, carvings and crafts.
The Promenade will host food and drink stalls plus live music and children’s attractions while the family-friendly Pavilion Café and mezzanine Art Café will be serving up freshly-sourced produce.
Godfrey Claff, executive councillor for regeneration, said: “The Great Peak District Fair and Buxton Beer Festival have become major events, attracting thousands of people from far and wide – and providing a major boost for our retail economy.
“I’ve no doubt that the addition of the Peak District Artisans will make the fair even more attractive, and I’m anticipating another record-breaking attendance.
“We hope that, by launching our own Real Ale Trail in Buxton, we will raise the profile of our local producers and boost trade in our town centre all year round. All 16 pubs and bars along the trial have something different to offer and, while some are traditional pubs which are rich in heritage, others are modern quirky establishments. Many offer the opportunity to dine but, most importantly, they are all packed with character.”
For more information on the fair, call (01298) 23114 or visit Pavilion Gardens website.
Last updated: 8th October 2012


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BELGIUM: EC unveils CARS2020 action plan
An action plan released by the European Commission today (8 November) will see several areas targeted including green vehicles, access to funds from the European Investment Bank, implementing 2020 CO2 targets, road safety and alternative fuels among others.
The raft of initiatives announced by the EC also includes specific reference to the possibility of large-scale plant closures in Europe as the Continent continues to endure a prolonged slump in vehicle sales.
A statement from the EC noted it would "bring together Industry Ministers, industry and trade union representatives in order to come up with coordinated actions to tackle over-capacities, ensure necessary investments and that national demand and supply-side support measures are in line with internal market and competition rules."
The Commission will also support the creation of a European Automotive Skills Council, encourage the use of the European Social Fund (ESF) for workers' retraining and re-skilling in the new financial perspective of the Structural Funds.
It will also "invite" Member States to consider using the European Globalisation Adjustment Fund (EGF).
"The European automotive industry is one of the biggest in Europe with more than EUR700bn in turnover and a multiplier effect on the entire economy via links with other sectors - steel, chemical and textile," said the EC statement.
"There are some 180 vehicle plants across the EU. The industry provides over 12m direct and indirect jobs with a significant share of highly skilled workforce. It has a hugely positive trade balance of over EUR90bn in 2011."
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MANILA -- Socialite actress Heart Evangelista has released a single, "Breathe You," which she actually wrote 15 years ago.
"My dream for all of you to listen to this single has finally come true. A song that reminds me so much of how far I’ve come in the 15 years since I first made this piece," Evangelista wrote in the caption of an Instagram post on Tuesday.
"'Breathe You' really holds a special place in my heart and I hope it finds one in you, too."
Last week, Evangelista surprised her fans when she uploaded a teaser of her self-produced song.
"Finally found the courage to share this with all of you. Made this 15 years ago and came across it again while I was going through my files during the lockdown," she wrote at that time. "It’s been such a blast working on this and turning one of my dreams into reality!"
Evangelista's "Breathe You" is now available in various music streaming platforms
Before becoming one of fashion icons in the country, Evangelista was first loved by her fans as an actress. But since she started gaining more exposure in the fashion world, the former Star Magic artist said she is making the most out of it for now.


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- Street: Motzstr. 74
- City: Bad Munster Am Stein-Ebernburg
- State: California
- Country: Germany
- Zip/Postal Code: 55583
- Listed: December 30, 2017 8:12 am
- Expires: This ad has expired
An initial providing of currencies , also called ICO ( Preliminary Coin Offering in English), is a fundraising mechanism by which new tasks promote their underlying cryptographic tokens in change for bitcoin and ether. A token is a form of a crypto currency in different phrases a digital coupon that’s bought for fiat currency (USD, EUR) or crypto foreign money – http://Photobucket.com/images/foreign%20money of liquid worth (Bitcoin or Ethereum). Investors might use the DAO’s tokens to forged votes http://thebitcoinpodcast.com/ on the right way to disburse funds, and any profits have been supposed to come again to the stakeholders. Most programming languages are Turing-complete, but the Bitcoin blockchain will not be. Individuals had been in a position to ico sole traders at echat for michael amini furniture outlet – http://www.ss4b.net/groups/ico-advertising-and-marketing-guide/ purchase the crypto token Ether for Bitcoin. On 15 July, he is going to promote 560 million tokens” — digital models of payment that can be mandatory to make use of Pillar, as soon as it’s ready — in alternate for ether, an up-and-coming cryptocurrency exchanged on public blockchain Ethereum His goal is the equivalent of $50 million; if that feels like lots, bear in mind that Pillar’s token pre-sale”, some days ago, raised $4 million price of Ethereum’s forex, ether — in 34 minutes.
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text: 1.5 million business owners consider propping up their businesses with personal savings With over a million UK business owners facing financial crisis, are personal savings the only lifeline? Written by Stephanie Lennox Updated on 28 July 2023 Our experts We are a team of writers, experimenters and researchers providing you with the best advice with zero bias or partiality. Written and reviewed by: Stephanie Lennox Writer 13th September 2023 update In a significant move to bolster small businesses across the United Kingdom, the UK government has allocated £1 billion through its Start Up Loans scheme.The government website also notes that successful applicants will receive free support and guidance to help write their business plans, and up to 12 months of free mentoring.To apply for a government-backed Start Up Loan of £500 to £25,000 to start or grow your business, click here. In the midst of dire financial conditions, approximately 1.5 million SMEs in the UK are contemplating dipping into their personal savings to keep their businesses afloat. A staggering 26% of small business owners also fear that they may have to close down if the outlook for their enterprises does not improve.A recent SME insights report by Simply Business, a small business insurance provider, sheds light on the challenges faced by UK small and medium-sized enterprises. The root of the problemThe findings, gathered from the responses of over 1000 small business owners, underscore the current predicaments. For business owners, the current crisis may be only survivable by raising prices (during this categorically tough period to do so for customers), going into survival mode, or deploying their own personal bail-outs.The key findings of the Simply Business report are as follows:Over a quarter (26%) of SMEs are now facing up to 40% higher monthly energy costs compared to the previous year, with some even experiencing a staggering 150% increase in energy expenses.Nearly half (48%) of SMEs consider the rising cost of living as the most prominent challenge for their businesses.Over half (52%) of SMEs expect a decrease in profits of up to 20% in 2023, with factors like customer retention (26%) and lack of funding (25%) impacting business operations.Rising energy costs at the height of SME concernRising energy costs and a lack of government support are the primary challenges cited by SME owners. A striking 26% of SMEs are now paying up to 40% more on energy each month compared to the previous year, and some report an astonishing 150% increase in monthly energy expenses.Annelise Sealy, proprietor of The Fall Bride in Hackney, east London, shared her struggles, stating: “We run everything as efficiently as possible, yet our monthly energy bill has fluctuated between £100 and £1100 over the past year, despite no changes in our operations. The Government also needs to address the issue of taxation on small businesses. A blanket increase that doesn’t consider industry, business size, or turnover is neither thoughtful nor effective.”Glimmer of hopeDespite the formidable economic struggles SMEs are currently facing, a glimmer of optimism remains within the community. Over half of the surveyed businesses (54%) expressed confidence in the UK economy’s potential for improvement within the current year. Additionally, 77% of respondents expressed confidence in their own business prospects for the next six months.Almost half (47%) of UK SMEs express their intention to raise prices by up to 10%, with an additional one-third (36%) planning increases of up to 20%. The ongoing cost-of-living crisis compels businesses to constantly search for ways to stay financially afloat.Alan Thomas, UK CEO at Simply Business, acknowledged the crucial role of small business owners in the UK economy, stating:“The fact that many SMEs across the UK are struggling so significantly is a serious cause for concern. Small businesses sit at the heart of our communities and are vital to our economy, and it is essential that we continue to support them in these times of financial uncertainty.”More from Startups.co.uk:The truth hurts: how lack of female funding alters the startup landscapeMPs challenge venture capital firms on female and minority-led investment ratesMajority of UK Black business owners say they don’t trust banks to support their business Share this post facebook twitter linkedin Tags News and Features Written by: Stephanie Lennox Writer Stephanie Lennox is the resident funding & finance expert at Startups: A successful startup founder in her own right, 2x bestselling author and business strategist, she covers everything from business grants and loans to venture capital and angel investing. With over 14 years of hands-on experience in the startup industry, Stephanie is passionate about how business owners can not only survive but thrive in the face of turbulent financial times and economic crises. With a background in media, publishing, finance and sales psychology, and an education at Oxford University, Stephanie has been featured on all things 'entrepreneur' in such prominent media outlets as The Bookseller, The Guardian, TimeOut, The Southbank Centre and ITV News, as well as several other national publications.


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Sustainability Day advocates collective action on plastics
The fourth Wednesday in October is Sustainability Day – a day dedicated to sustainability and rethinking our everyday rituals.
Sustainable Tallahassee is celebrating Sustainability Day with a fun event on Thursday, October 28th at 6:30 p.m. at Happy Motoring, 1215 S Adams St.
Electric vehicles:The enthusiasm for electric vehicles: It all comes down to the batteries | Sustainable Tallahassee
This free event features a documentary demonstration highlighting the cumulative problems associated with plastic waste, including achievable solutions to reduce the impact, volunteer-led sustainability sharing demonstrations, raffle prizes and wine tasting.
As sustainability day approaches, it is important to think about what sustainability is and how it applies to each of us.
Plastic straws are the tip of the iceberg
We know the plastic straws campaigns that conquered the country around 2018. Although they initially received widespread support from environmental organizations, they quickly encountered criticism across all political and ideological spectrums – and even if you’re reading this, just the mention of plastic straws can provoke an emotional response.
One overarching (and valid) criticism of these campaigns was that reducing the use of plastic straws would ultimately mean nothing more than a decrease in the global pollution crisis caused by large corporations.
Since the 1950s, global plastic production has increased 200-fold annually to 381 million tons, with a cumulative production of 7.8 billion tons. Single-use plastics have become an indispensable part of our lives.
Consumption of plastic particles
Just think about your day and count the number of single-use plastics you may have used without thinking – like the plastic cutlery wrapped in plastic wrap that is thrown in plastic bags. Does it make sense that this fork would still exist hundreds of years after you threw it away?
We have become complacent about the convenience of single-use plastics despite their direct environmental and humanitarian impact. We saw the graphic photographs of whales and birds starving to death with their stomachs full of plastic.
Did you know that on average, humans consume between 39,000 and 52,000 microplastic particles every year? We’re just beginning to understand the health effects of ingesting so much plastic, including decreased fertility. Plastic waste is a global problem that is reaching its limits, but who is responsible for the solution?
This question has paralyzed the world through a decades-long hot potato game when prospective business owners fund multi-million dollar marketing campaigns that convince us that the pollution crisis begins and ends with us. Yet despite these coordinated campaigns promoting individual action as a solution, the main sources of pollution – and thus the most direct means of reducing pollution – are to stop unsustainable methods of production and distribution.
Leadership with personal responsibility
This leaves us with the question – is “going green” meaningless or essential?
The key to many of the global problems we face is understanding that we are only a single part of a community, and with that comes an obligation to work with others for the common good.
If you make sustainable decisions on a personal level, such as Bringing a reusable Rags2Bags to the store, for example, or throwing away plastic water bottles will not only help you contain the existing plastic crisis, but will also help you become more aware of other sustainable choices that you can incorporate into your life.
Corporations and regulators will not make meaningful sustainability changes without their full and vocal support, including direct policy changes approved by an affected electorate.
For example, according to the International Energy Agency, while individual behavior change contributes less than 4% of net zero emissions, ultimately it is people who drive demand for energy-related goods and services, and changes in societal norms and personal choices make a significant contribution to steering the energy system on a sustainable path.
It is therefore our role and obligation to drive the cultural shift in awareness of sustainability, not just by making small changes in our personal consumption that can lead to large cumulative changes, but also by helping us get more out of the companies involved in waste production and the Regulators are demanding that they allow it.
To learn more about the effects of plastic waste and the choices you can make to live a more sustainable life, join us at Happy Motoring for our Sustainability Day celebration.
If we work together to live easier lives and ask companies and governments to do the same, we can make the world a better place. We are grateful to our sponsors Legacy Greens, Capital City Pedicabs and Native Nurseries for supporting this free event.
Kristen Summers currently serves on the Sustainable Tallahassee Board of Directors. She can be reached at [email protected] This is a Greening Our Community article, an initiative by Sustainable Tallahassee. Learn more at www.SustainableTallahassee.org.
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When you go
What: Sustainability day with film screening, screenings, raffle and wine tasting
When: 6:30 p.m. Thursday, October 28th
Where: Happy Motoring, 1215 S Adams St.


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Teessiders can now tuck into a McDonald's breakfast for the first time in almost four months.
The fast food chain has put their famous breakfasts back on their menu from Wednesday.
They will offer a limited menu which includes McMuffins, Bacon Rolls, Cheesy Bacon Flatbread and Pancakes.
Hash Browns and Apple and Grape Fruit Bags will also be available to purchase.
However customers will miss out on the chance to buy wraps, bagels or porridge.
McDonald's have also added a selection of items which they were told customers were "missing" to their main menu from 11am.
These include Shakes, Mayo Chicken, Bacon Mayo Chicken, Hot Chocolate, Bacon Double Cheeseburger and Happy Meal Organic Milk.
People on Teesside will be able to purchase breakfast through the drive-thru from a number of restaurants from 7am.
McDonald's restaurants were ordered to close by the Government on March 20 to stop the spread of the coronavirus.
There were huge queues across Teesside when they reopened their drive-thru to customers on June 4.
Lee Watson was so desperate for his first fast food in weeks, he joined the drive-thru lane at at Portrack Lane McDonald's in a cardboard car.
The 57-year-old, who works at nearby furniture shop SCS, said: "I just fancied a bit of craic and to get some scran."