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As Americans, we have the right to participate in our democracy and improve our communities by voting during elections.
We also have another powerful vote – how we choose to spend our money.
Historically, Americans have exercised that vote by refusing to patronize establishments that failed the test of our values – businesses that failed to recognize and support the principles of fairness and equity that are the cornerstones of our American way of life.
Boycotts helped build the foundation for fairness and safety in the workplace we enjoy today and helped encourage bad businesses to do the right thing by their employees. As a result, there are many businesses that continue to reflect the values our grandparents’ generation worked to build. They make great profits, and they treat the workers who participated in that success with the dignity and respect they deserve.
But increasingly, there are other types of corporations, ones which aim to pay their employees as little as possible, cheat them out of wages, put their health and safety at risk and rig the system so it’s impossible to participate in the American Dream.
One of those corporations is the supermarket chain El Super.
The El Super chain, which targets predominately Latino consumers, is managed by the California-based Bodega Latina Corp and has 49 locations in California, Arizona and Nevada. Bodega Latina Corp is 81.4 percent owned by Mexico-based Grupo Comercial Chedraui, which is Mexico’s third-largest retailer, operating 211 markets there.
A recent analysis of health code violations in Orange, Los Angeles and San Bernardino counties discovered El Super racked up more than 670 violations since Feb. 2014. Among the offenses: Selling expired baby formula and meat, finding evidence of vermin or the presence of animals or insects and observing live flies in the deli, meat department and bakery.
In addition, the corporation has been entrenched in a dispute with their workforce, which has been working without a contract since 2013.
The workers want simple things: A 40-hour work week for full-time employees so they can support their families. They want adequate paid sick days so they aren’t forced to show up when they’re ill, putting all our food at risk. They want access to affordable health care since only 30 percent of the corporation’s full-time workforce can even afford to purchase company-provided health insurance.
Adrian Rocha has been working as a meat cutter at the El Super store in Anaheim since it opened and is standing with his coworkers to urge El Super to treat them fairly.
“I enjoy my job and the customers I serve,” he said recently. “We’re fighting for adequate paid sick leave and guaranteed hours to earn a living wage. We’re much stronger if we stand together. Please join us in our struggle.”
But instead of talking with their employees, El Super has taken aim at them. They have threatened, harassed and even fired workers who want to improve their jobs and lives.
It’s not like El Super can’t afford to do the right thing.
El Super’s parent company, Chedraui, made $131 million in profits in 2013, an increase of 6.5 percent over 2012.
Corporations should make money. But they should share at least enough of that wealth with their workers so they can afford rent and put food on the tables for their families. And they should ensure consumers are purchasing safe products. El Super is failing on both counts.
That’s why the Santa Ana City Council recently voted to endorse a boycott, along with more than 100 organizations – representing over 600,000 potential El Super shoppers.
I hope you’ll join us.
Jennifer Muir is assistant general manager, Orange County Employees Association.


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RIM hit with consumer lawsuits over BlackBerry outage
By Moira Herbst
(Reuters) - Consumers in the United States and Canada have sued Research in Motion for a days-long service outage on BlackBerry devices that rippled across the world earlier this month.
The system-wide failure of the service had left tens of millions of frustrated BlackBerry users on five continents without email, instant messaging and browsing.
Research In Motion's co-CEOs had apologized to millions of BlackBerry customers for the four-day outage that tarnished the company's image and set back its drive to catch up with Apple and other smartphone rivals.
The U.S. lawsuit, filed on Wednesday in federal court in Santa Ana, California, was brought on behalf of all U.S. BlackBerry owners with an active service agreement at the time of the email, internet and messaging interruptions.
It accuses Research in Motion of breach of contract, negligence and unjust enrichment.
The Canadian lawsuit, filed on Wednesday in Quebec Superior Court, was brought on behalf of all Canadian BlackBerry owners with an active service agreement.
Research in Motion failed to compensate BlackBerry users with refunds for loss of service and must "take full responsibility for these damages," it said.
Messages left with Research in Motion seeking comment were not immediately returned. Continued...

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An organization’s name needs to reflect its mission. New Rules
does exactly that. The North Minneapolis for-profit/non-profit hybrid merges community event center, coworking office space, retail and, eventually, a café. At its core, the multi-prong concept blends creative enterprise, social entrepreneurship and community engagement, with a focus on improving and connecting the immediate community near its home on Lowry Avenue.
New Rules seeks to meet the needs of artistic creatives and small businesses while giving back to the local community. “It started with my love for community building and visualizing resources,” says founder Chris Webley. In speaking with artists, he saw a connection between the artisans’ needs and those of other small businesses. While fleshing out the New Rules concept, he realized it naturally extended to the North Minneapolis community where he wished to set up shop.
“We’re looking at ways of engaging different audiences and having conversations to help,” he explains. “The idea is that everybody is doing something. I cut the check, do the heavy-lifting,” he admits, then artisans create products in the work space and then sell them to the community through the retail store. “Everybody has something to contribute…we’re trying to get people to rally behind that idea.”
The event space is open to the community now, whether that means a neighborhood gathering or an art exhibit. Webley hopes to add a café later, which will then feed the community as well.
“Our niche is creative occupations,” he says, but it’s not limited by that mission. New Rules is adaptive based on who can help and what services they can offer.
To cater to creative industries, Webley wired a state-of-the-art sound system, and is actively seeking funds and donations from local corporations for other high-end equipment such as a 3D printer. “I’m gung-ho on doing things the right way the first time around,” says Webley, emphasizing that high-end equipment establishes a sense of pride and professionalism that patchwork gear cannot. New Rules seeks to invest in the community and to give back, which is why he wants the best technology he can find.
Webley purchased the building himself and has overseen renovations. Though the coworking spaces are open now and the retail shop is running in a pilot mode since October 15, he considers New Rules a work in progress. The idea is fully formed and he’s built it from the ground-up, but there is room to grow.
Tenants will come, he says. Currently, he continues, “It’s more about getting the right things that are going to enable us to have an impact.” As the creative businesses grow, so will the retail store and the overall entity’s ability to reach out to their neighbors.
“The biggest needs for a lot of our immediate neighbors are financial resources,” Webley continues. By emphasizing sustainable leadership and economic development through an adaptive format, New Rules can improve lives directly. “There are many examples I can give you where the underlying factor is not having traditional limitations on how you can help,” he explains, “but getting creative.” He cites an example from last summer, when the building lent its lawnmower to a local homeless couple, who used it to earn funds for food and shelter.
By truly engaging their neighbors and finding unique solutions, Webley wants to achieve far more than a high-tech workspace for small businesses. He sees New Rules as connecting workers and neighbors, forging bonds that go beyond vocation.
The New Rules event center will be buzzing this February in honor of Black History Month, serving as a launch pad for the fully integrated concept. The cowork space will be upgraded and the retail store remodeled. “We’re not going to have everything that we want in terms of amenities,” Webley admits. “But we’re continuing to trek toward things.”


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13th Colony Distillery, an emerging brand in the world of bourbon, is proud to announce the release of its 2023 Double Oaked Bourbon. This exceptional 10-year-old bourbon, boasting an impressive 136.8 Proof limited to just 3,216 bottles, is set to make its mark in the whiskey world. This exclusive limited release will be available in select markets, including Georgia, Tennessee, Texas, and Arkansas.
The Double Oaked Bourbon represents the culmination of years of dedication and craftsmanship. Built upon the 13th Colony’s consistent bourbon mash bill, a testament to its commitment to quality, this 2023 release promises a truly unique bourbon experience. The mash bill features a harmonious blend of 70% corn, 21% rye, and 9% malted barley, all locally grown and sourced whenever possible.
Its maturation process truly sets the 13th Colony Double Oaked Bourbon apart. The bourbon is aged in separate, charred oak barrels to extract additional soft, sweet oak character. This meticulous process is followed by a finishing touch with toasted maple wood, resulting in a bourbon that delivers a robust proof punch while maintaining a luxuriously smooth palate.
“We are thrilled to launch the 2023 Double Oaked Bourbon to connoisseurs and enthusiasts who seek the pinnacle of bourbon craftsmanship,” said Maxwell Darby, president of 13th Colony. “This release exemplifies the essence of 13th Colony in its purest form, offering a rich tapestry of flavors that will delight the senses.”
13th Colony’s Master Distiller, Graham Arthur, is a Coast Guard veteran trained as a classical chef, graduating from Le Cordon Bleu College of Culinary Arts. Graham worked in notable restaurants in Atlanta and Charleston and is truly an artist of flavor.
This release follows the immense success of 13th Colony’s 2022 Georgia-only Double Oak release, which quickly sold out. The bourbon community has certainly taken notice, with accolades such as Double Platinum at the 2023 Ascot Awards and a thriving secondary market presence, with some bottles fetching close to $1,000.
Click here for more Bottle Releases.


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Prevail Bank Remodels Stevens Point Branch Office
Prevail Bank in Stevens Point is remodeling its lending offices, teller stations, and adding office space to accommodate expanding personnel and new amenities for its customers starting this spring. Bank services will not be disrupted. While the lobby may be closed, drive-up services will remain open. Banking personnel will remain accessible by calling and making an appointment.
“We are excited to announce that the remodeling of our customer service areas in our Stevens Point location begins March 6,” said Nathan Quinnell, president of Prevail Bank. “We’re remodeling for two reasons. One, we want our customer spaces to be more representative of our Prevail brand and promise. But more importantly, we are remodeling to provide a better experience for our customers.”
Teller stations will be moved closer to the drive-up services area for productivity and efficiency purposes. The customer lounge area will include a coffee bar and a Tech Center.
“We are always looking for ways to continually improve our services, technology, and financial resources for our customers, small businesses and the communities we serve,” said Quinnell. “Prevail Bank is here to provide solutions, fulfill dreams, and to help our customers get what they want.”
In the new Tech Center, Tech Center professionals will provide 1-on-1 set-up and assistance with online and mobile banking services. Digital banking allows customers to transfer funds, deposit checks through Prevail Bank’s mobile banking app, pay bills online securely and safely, and activate/deactivate debit cards — all from their computer or mobile device. A new online chat feature with virtual conferencing capabilities will also be enabled to increase banker accessibility, responsiveness, and efficiencies.
“Digital banking is hassle-free, but we want to make sure our customers have training available if needed,” said Renee Leinfelder, Prevail Bank’s senior vice president of retail. “It provides you with the convenience of not having to drive in stormy weather, delaying dinner, or rushing to a branch office before it closes.”
“For our business customers, the Business Resource Manager software is a must have,” continues Leinfelder. “The Tech Center will have experts that will walk through its deposit management, payroll functionality and time saving features.”
The estimated completion for Steven Point’s remodel is summer 2023.


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Posted On: 2020-09-04
Sensors & actuators dominated the India industrial IoT hardware market revenues in 2019 -6Wresearch.
Owing to the increasing need for machine’s long-term reliability, Indian businesses have started to invest in IoT solutions to implement predictive maintenance in order to extend the life of assets and defer new purchases, and eventually avoid downtime and improve productivity. Automation is expected to be crucial for scaling production up and down according to short term demand fluctuations created by COVID-19 and also for adaptive manufacturing. Additionally, data from shop floor tools along with equipment failure data is being used in predictive quality analytics to devise models that identify tools that likely need servicing.
According to 6Wresearch, India Industrial IOT Market size is projected to grow at a CAGR of 15.5% during 2020-2026F. In recent years, India has experienced a notable surge in the utilization of connected devices including connected cars, smart home devices, wearables, and autonomous machines. Furthermore, the sensors market in India is mainly dominated by global players that operate through subsidiaries, R&D centers, and distributors in the country. Factors such as low cost, chip-level integration, low power consumption, and wireless connectivity are also indispensable in the increasing cost-effectiveness of sensors. With such cost-effectiveness becoming possible, several sensors are being developed with micro-electro-mechanical systems (MEMS) technology.
According to Kanchan Negi, Assistant Manager, Research and Consulting, 6Wresearch, “EtherCat, an advanced implementation of ethernet is expected to experience the highest growth rate on account of its ability to support almost any topology making it suitable for a wide range of applications with the standard switch-based Ethernet star topology included. EtherCat is relatively new and many manufacturers are expected to integrate this technology in the coming years. Additionally, OPC-UA is also one of the protocols, which are being dubbed as future technology and is likely to gain prominence in the forecast period.”
According to Shubham Chaurasia, Research Associate, Research and Consulting, 6Wresearch, “The Western region acquired the majority of the revenue share in 2019 in the India industrial IIoT market. This could be attributed to the increasing adoption of IoT in states such as Gujarat and Maharashtra. For instance, in Gujarat, there are 13 major industry groups that together account for around 82.05 percent of total factories, 95.85 percent of total fixed capital investment, 90.09 percent of the value of output, and 93.21 percent of value addition in Gujarat's industrial economy. Total exports from the state stood at $67,401 million during 2018-19 and $49,617 million in April-December 2019. Moreover, the Southern region, being the destination for auto, electronics, and food processing industries, also has bright prospects for the IIoT providers and manufacturers in the forecast period.”
Some of the major companies in the India Industrial IoT market include Tata Communications, Siemens, Accenture, Infosys, IBM, Wipro, Tech Mahindra, etc.
“India industrial IoT Market (2020-2026)" report provides an in-depth analysis with 31 figures and 9 tables covered in more than 120 pages. The report estimates and forecast the overall India industrial IoT market by hardware, connectivity, software, verticals, and regions. The report provides an unbiased and detailed analysis of the on-going trends, opportunities/high growth areas and market drivers which would help the stakeholders to device and align their market strategies according to the current and future market dynamics.


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Interactive Network on April 5 will unveil an advertising and direct marketing campaign in South Bend, Ind., that gives consumers the option of leasing its control units. Previously, subscribers had to fork over $250 to $300 to purchase hardware, plus pay a monthly subscription fee.
The strategy, if successful, will be expanded to other Interactive Network markets-Chicago, San Francisco and Sacramento, Calif.-and nationwide as the service rolls out this fall. The lease option could ultimately replace retail sales of control units in outlets such as Sears, Roebuck & Co. and Circuit City.
But while the leasing approach may initially bump up subscriber totals, it doesn't address the issue of keeping users from growing bored with Interactive Network's programming, which includes predicting football plays as they happen and answering game show questions.
The marketing campaign is the first work from Kobs & Draft, Chicago, which won the estimated $8 million consolidated account earlier this month. Interactive Network previously used several agencies, including Goldberg Moser O'Neill, San Francisco.
Kobs and Interactive Network spent two days last week hammering out strategy at Interactive Network headquarters in Sunnyvale, Calif.
"The principal thing we're looking at is what is the singular compelling consumer reason for this product," said Peter Sealey, who joined Interactive Network last fall as president and chief operating officer. "We really are concentrating at that level."
Interactive Network has accumulated only 5,000 subscribers since launching its service nearly three years ago.
While Mr. Sealey won't discuss subscriber turnover, industry executives say the service has had trouble keeping viewers hooked. Once the novelty of playing along with the TV wears off, critics say, subscribers get bored and cancel their subscriptions.
That could be bad news for marketers like American Airlines and Chrysler Corp. that have agreed to test consumer response to interactive ads on the service. The Advertising Council became the newest member of the advertising consortium last week and will test interactive public service announcements.
Consumers "have got to be crazy to make a commitment to that expensive piece of hardware," said an advertising executive familiar with the product. "It's a real problem getting people to buy them."
Mr. Sealey's goal is to reverse that trend, and it can't come a moment too soon for Interactive Network, which reported a $25 million net loss last year despite backing from Tele-Communications Inc., NBC, Gannett Co. and A.C. Nielsen Co.
In South Bend, Interactive Network will charge subscribers a $25 deposit for the unit, a $30 set-up fee and $9.95 per month for the service, with the first 30 days free.
"The primary difference is going to be an emphasis on the service, on the fun of playing, and less emphasis on the hardware and mechanical components," Mr. Sealey said.
That change was something Kobs suggested when it pitched the account.
"We thought it would be prohibitive to sell a $200 unit plus the subscription fee on the back end," said Yvonne Furth, president of Kobs' Chicago office. "Frankly, we're going to use a lot of the strategies we've found successful in selling HBO [another Kobs client]. You don't sell the hardware, you sell the service, the benefits."
The agency is now revising existing TV creative to add the lease message and will spend most of April testing various media and subscription offers in preparation for an all-new campaign to break in May or June.
In South Bend, TCI will set up a kiosk in its service office to demonstrate Interactive Network and will provide ad time on its cable system.
Interactive Network will test approaches including 30- and 60-second direct response commercials, infomercials, telemarketing and direct mail to TCI subscribers.
Interactive Network plans to enter several more markets this summer before a national rollout in the fall.
Alice Z. Cuneo contributed to this story.


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EQUIFI, a regulated and licensed DeFi lending platform has announced new products and services for the Tezos blockchain ecosystem, offering users the ability to stake and borrow using the latter’s native XTZ token.
According to a recent announcement, DeFi lending platform EQUIFI will be offering staking and borrowing services in Tezos (XTZ). There is no minimum locking period and staking positions can be exited at any time.
EQUIFI Chairman Jason Blick opines that the new arrangement will place the platform at the top of the industry.
“A product offering with an industry leader such as Tezos signifies the bar EQIFI is setting. Providing exposure to XTZ holders for staking & borrowing is just the next step in positioning EQIFI to become an industry leader.”
Powered by one of the world’s largest regulated digital banks, EQIBank, the EQUIFI DeFi platform operates under a community-focused decentralized standard through its native EQX token, allowing members to make crucial decisions involving the project.
Tezos claims to be the original layer-one, proof-of-stake smart-contract compatible blockchain network. Since its launch in 2017, the blockchain network has upgraded over 7 times, logging millions of transactions from Defi, NFTs, and DAOs.
Tezos has been expanding its XTZ token with numerous partnerships. Earlier last week, the blockchain network was chosen to create on-chain products for three Swiss banks, including Crypto Finance Group, InCore Bank, and Inacta. Similar to EQUIFI, InCore has also launched staking, trading, and storage services for Tezos.
Earlier last month, BTCS Inc. a blockchain technology-focused company also announced it has added Tezos to its blockchain infrastructure operations.
Tezos's proof-of-stake design is intended to operate in an energy-efficient way. Using two million times less energy than popular proof-of-work networks, making it an ideal platform for creating energy-efficient blockchain applications.


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Newport-based price comparison firm GoCompare has acquired Energylinx in a £10m deal.
Based in Alloa in Scotland Energylinx is a leading energy comparison and switching specialists.
Chief executive of GoCompare, Matthew Crummack, said: “We are pleased to announce this acquisition, which marks yet another significant milestone for the Group as we continue to build services that work for both our customers and partners.
"Energylinx has an excellent reputation in the industry among energy suppliers and those who use its white-label services, and we will leverage our strong brand, tech and product capabilities to expand its reach and impact to help save even more people time and money.
“I am looking forward to welcoming the Energylinx team to the group, and to working together to reduce hassle in the energy switching market.”
Chief executive of Energylinx, Ken Geddes, said: “I’m proud of what we’ve achieved at Energylinx in the 15 years since we launched. During that time, the energy market has gone through significant changes, and today consumers are faced with more choice than ever before.
“GoCompare has been a trailblazer in the use of technology to simplify choices and help people save time and money, and I’m excited to be working with them to help even more people switch to better energy deals.”
Energylinx employs 20.
Following completion of the deal Mr Gedde will join the GoCompare Group.


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El Camino Cantina Is Opening Its Next Colourful Tex-Mex Joint in Sydney's South
It'll feature an 180-person outdoor terrace, a huge stage for live bands, and plenty of margaritas and tacos.
It's bright, lively, neon-lit, and wholly unapologetic about blending colour, cocktails and Tex-Mex cuisine — and soon, the fast-growing El Camino Cantina will double its Sydney footprint. The chain already has has spots in The Rocks and Manly, as well as another in the works in Moore Park. But first, it will launch a new joint in Westfield Miranda's rooftop dining and entertainment precinct.
It's the latest expansion for the brand, which also operates in Brisbane and Melbourne, all under the guidance of Rockpool Dining Group (Sake, Rosetta, Burger Project and, of course, Rockpool Bar & Grill). If you've already been to one of El Camino's existing eateries, then you'll know this casual dining venue takes its vibe serious. Think loud and over-the-top, complete with giant margaritas, rock 'n' roll jukeboxes, fluorescent signage and Tex-Mex staples.
Setting up shop in the city's south, the new site will seat 280, including on the 180-person outdoor terrace. Expect to spend plenty of time outdoors here, with the external area featuring festive lighting, plus a sizeable stage for live bands and other weekend performances. The other drawcard comes down to the location — specifically, the panoramic views over Sydney that comes with it.
Menu-wise, all of the chain's favourites will make the jump to the new spot. Slushie machines will serve up brain freezes in margarita form, with El Camino's coming in multiple sizes and many renditions, including a tropical Red Bull flavour. Other options span a host of beers from near and far, and a sizeable collection of mezcals and tequilas.
The food lineup remains fun and casual, like the drinks. Think fiery buffalo wings, sizzling fajitas, plump burritos, soft shell tacos loaded with punchy flavour combinations, and unlimited complimentary corn chips and salsas. And some of the brand's specials will be available at Miranda, too — including ten-cent wings on Wednesdays and $2 tacos on Tuesdays.
The venue will launch on Friday, June 14 with a three day fiesta. Until the venue closes on Sunday, September 1, giant margaritas and 'chalices' of beer will be just $7.50.
El Camino Cantina will open on Westfield Miranda's rooftop at 600 Kingsway, Miranda on Friday, August 30.
Images: El Camino Cantina Brisbane. Updated: August 20, 2019.
Published on July 25, 2019 by Libby Curran


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2016 Honda Civic Coupe Awarded IIHS Top Safety Pick+
See the new IIHS Safety Award Winner – 2016 Honda Civic Coupe Near Atlanta, GA
Honda can add one more model to the list of those that have already earned Insurance Institute for Highway Safety (IIHS) Top Safety Pick+ Awards. The 2016 Honda Civic Coupe recently earned this prestigious title and now joins the 2016 Civic Sedan, 2016 Accord Sedan, 2016 Accord Coupe, 2016 CR-V and 2016 Pilot as an IIHS safety award winner.
When equipped with the new Honda Sensing driver assist features, the new Honda Civic Coupe earned a top GOOD rating each of the five IIHS test modes. These included tests for frontal collisions, side impacts and roof crush protection. In 12 mph and 25 mph tests at the IIHS track, the 2016 Honda Civic Coupe successfully avoided collisions, earning a SUPERIOR rating for front crash protection from the IIHS.
“We’re proud to add the 2016 Civic Coupe to a growing family of Honda vehicles that employ our Honda Sensing technology and earn top crash safety ratings,” said Jeff Conrad, senior vice president and general manager of the Honda Division. “Honda Sensing and systems like it are changing the conversation around vehicle safety performance from crash protection to crash avoidance, and we will continue to expand Honda Sensing to additional models as we work toward our vision for a collision-free society.”
The Honda Sensing suite of advanced safety and driver-assistive technology uses millimeter wave radar and a monocular camera to sense and respond to detected road hazards. The system alerts the driver and takes emergency action when a potential accident is imminent. Honda Sensing features available for the new 2016 Honda Civic Coupe are:
- Lane Departure Warning
- Collision Mitigation Braking System
- Forward Collision Warning
- Adaptive Cruise Control
- Lane Keeping Assist System
- Road Departure Mitigation
Other improved safety features on the new Honda Civic Coupe include a body structure using high-strength steel, a new front passenger safety vent airbag as well as new front and side curtain airbags. The Honda Civic Coupe is also equipped with Vehicle Stability Assist with traction control and a 4-channel anti-lock braking system to keep the driver in control, especially when driving on wet or slick roads.
To learn more about the 2016 Honda Civic Coupe and its award winning safety features please contact our Honda Dealership. Or come test drive a new Honda Civic near Atlanta, Georgia at Ed Voyles Honda.


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INTERNATIONAL BUSINESS; Made in India vs. Made in China
By KEITH BRADSHER
Published: June 12, 2004
SHENZHEN, China— When Crystal Chen, a 28-year-old mechanical engineer, started designing microwave oven doors for Whirlpool in 2001 in this gleaming Chinese metropolis, one of her biggest surprises was the size of the ovens.
Built to be installed over ranges in spacious American kitchens, the ovens were twice the size of the countertop microwaves sold for Chinese kitchens. And as she has kept working on them, the Whirlpool models, nearly all of them made to be exported to the United States and Europe, have grown even larger, approaching three times the size of a typical Chinese microwave.
By contrast, at a Whirlpool complex more than 2,500 miles away in Thirubhuvanai, on the southeastern tip of India, the washing machines built in a hot low-tech factory are products the Indian workers easily recognize. Unlike the microwave ovens in Shenzhen, these washing machines are very much designed for local use, not for export.
They have rat guards to keep vermin from nibbling laundry or hoses. They have extra-strong parts to survive being bumped around in trucks on India's potholed roads. And they are built with heavy-duty wiring to cope with the powerful ebbs and surges in India's electrical grid.
The difference is telling. Whirlpool's emphasis on using China to make goods for export while locating in India to enter the local market reflects a broader trend that is becoming apparent for many household appliances, from television sets to refrigerators. And it highlights a division that could spread in the coming years to other industries.
For all the dreams of selling goods into a fast-growing market of 1.3 billion Chinese, the reality is often very different. While China still holds considerable allure, many multinationals have struggled to earn profits selling here.
Companies setting up shop in China face domestic manufacturers that consistently undercut them by building factories at practically no cost, borrowing the money cheaply from state-owned Chinese banks and using various strategies to avoid repayment. To make matters worse, many department stores are still owned by municipal or provincial governments that give floor space to local products and resist selling foreign brands.
A result has been a struggle among manufacturers to see who can discount wares more deeply -- a struggle with little appeal for multinationals that need to make real profits.
''We're not interested in chasing a price-driven strategy,'' said Garrick D'Silva, the regional vice president for Asia at Whirlpool.
India's economy has been growing nearly as quickly as China's in recent years. By dismantling many barriers to foreign investment, the government in New Delhi has also made the country an increasingly attractive market for globalizing companies.
Marketing is easy through thousands of privately owned retailers, from department stores to corner shops. Risk-averse banks in India charge such steep interest rates to local manufacturers, and so strongly insist on repayment, that some economists worry they may even be slowing growth unnecessarily.
India's steep tariffs, although starting to decline, long insulated its markets from international competition and still keep prices somewhat higher for many manufactured goods.
And because India did not follow China's draconian ''one child'' policy, United Nations demographers forecast that India's population will surpass China's as soon as 2040.
With all those factors, Whirlpool -- while still strongly interested in tapping the Chinese market -- has found greater opportunity to lock in profits and expand its market share in India than in China, Mr. D'Silva said.
LG Electronics of Korea, Whirlpool's rival in Asia for many kinds of household appliances, shares that view.
''We couldn't make a profit in China,'' chiefly because of the free loans available to local competitors, said Kim Kwang Ro, the managing director of LG Electronics India. ''The main focus of expansion for LG is India, not China.''
China's effort recently to brake its economy, in response to rising inflation and a growing problem of nonperforming bank loans, is also starting to take the edge off some companies' interest. China's political prospects remain murky.
By contrast, India has just gone through a peaceful change of democratic government that produced a mere two-day drop in the stock market followed by an immediate recovery in share prices and corporate confidence.
''The Chinese economy is looking rather unstable,'' Mr. Kim said. ''Meanwhile, in India, the political, economic situation is becoming more stable.''
Despite rising costs for steel and many other commodities that go into factory goods, prices for manufactured products are still falling in China because companies keep building more and more facilities to take advantage of the nation's extraordinary investment boom. Refrigerator prices, for example, fell 2.2 percent in China in the 12 months through April 2004. In India, they rose 3.5 percent.
India's combination of duties on imports and complex regulations on manufacturing start-ups has tended to benefit companies with factories in the country. ''The harder the obstacles, the bigger the advantage for the inside firm,'' Mr. Kim said.


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Keep up with the latest cybersecurity threats, newly discovered vulnerabilities, data breach information, and emerging trends. Delivered daily or weekly right to your email inbox.
Report highlights how 2007 has been a year of diversity due to the vast number of tactics, techniques, and Trojans entering the security market
Dark Reading Staff, Dark Reading
December 10, 2007
1 Min Read
NEW YORK and LONDON -- MessageLabs, the leading provider of messaging and web security services to businesses worldwide, today announced the launch of its MessageLabs Intelligence 2007 Security Report. The annual report highlights how 2007 has been a year of diversity due to the vast number of new tactics, techniques and trojans entering the security market during the last twelve months.
Spam retains the title of “dominant menace” with annual spam levels reaching 84.6 percent but rather than just playing the volume game, the spammers also introduced an additional ten percent of new and previously unknown spam attacks than in 2006. The notorious Storm botnet which appeared on the threat landscape early in 2007 is likely to take some credit for the increased innovation, especially through its distribution of 15 million emails with MP3 attachments, new to the market in October.
"2007 will be a memorable year for the security industry for many reasons. With consumers handing cyber criminals their personal details through social networking sites and the Storm botnet literally taking the market by storm, it has been an attention-grabbing twelve months,” said Mark Sunner, Chief Security Analyst, MessageLabs. “Although targeted attacks seem to be high on the threat agenda, the war between businesses and the bad guys significantly heightened in 2007 as new threats appeared from every angle and on every communications channel. If 2008 is as frenzied as this year, businesses need to prepare for battle and ensure they have their protection in place.”
About the Author(s)
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SandyBlue in the news - SIC Notícias and tourism in the Algarve
As a leading villa rental specialist in the Algarve’s Golden Triangle, SandyBlue are always spreading the word about what this beautiful region has to offer. Not only that, we are always sure to share the latest trends, news and opinions on current affairs.
As always, we are quick to share our latest contributions, so here is a recent report on tourism in the Algarve from SIC Notícias.
SandyBlue sees an increase of 500% in Portuguese guest enquiries
Despite the uncertainty from the Covid-19 pandemic, especially its effects on summer tourism in the Algarve, we shared that there is a promising trend in the Portuguese and Spanish markets.
The huge demand from guests in these markets is a welcome surprise, giving much optimism that summer will still go ahead. Our very own Joe Mountain shared his insights on a special report by SIC Notícias. You can hear what Joe had to say below...
Book your Algarve villa holiday with SandyBlue!
We appreciate the support of all our Portuguese guests and look forward to welcoming you to the Algarve soon.
If you haven't made a reservation yet, why not indulge yourself with a trip soon? You can see all the properties available at the moment and contact the team!


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My buddies Ayres and Klingler and I walked its crowded corridors for hours on Friday nights, hoping to meet girls.
That’s what we did at South Hills Village Mall in the late 1970s, when we were teens and the American mall was in its heyday.
Built in the mid-1960s, and the very first indoor mall to be constructed in Pittsburgh, “The Village” was a typical, large two-level structure with “anchor” department stores at each end, a Sears Roebuck in the middle and a variety of retail stores in between.
No mall visit was complete without stopping into Spencer Gifts, a novelty and gag gift store that sold everything from lava lamps to Farrah Fawcett’s famous poster.
The mall became the town square for suburban kids. Our younger siblings spent so much time there their generation would earn the name “mall rats.”
We were clueless teenagers. We had no idea why or how the suburban mall had evolved, but its birth — and its recent rapid decline — is an interesting, though complicated, American story.
But that’s not the full explanation, the magazine said. The unintended good intentions of government economic policy and federal tax codes tell the rest of the story.
Smithsonian said that in 1954 Congress was eager to stimulate investment in manufacturing. To that end, it accelerated annual depreciation rates for new construction.
Depreciation is a tax concept that assumes that a piece of machinery or a building has a finite life span — that upon being built, it begins to lose value until it eventually needs to be replaced.
The Smithsonian’s article turned to the New Yorker magazine’s great writer, Malcolm Gladwell, to explain how mall developers were allowed to “deduct much larger sums, which would be counted, technically, as depreciation loss — completely tax-free money.”
“Suddenly it was possible to make much more money investing in things like shopping centers than buying stocks,” Gladwell writes, “so money poured into real-estate investment companies.”
Over 1,200 shopping malls shot up in the U.S. after the earliest examples were built in the 1950s, according to World Market.
A massive amount of money was made by investors in new malls, but there was an unintended social cost.
As millions of suburbanites switched their shopping to the malls, many large retailers in the downtown cores of major cities and small stores on local main streets were devastated and put out of business.
Malls had their golden age, but they’ve been in decline for years.
They’ve been bleeding shoppers and revenues because of the growth of online shopping and now, after being crushed by a year and a half of covid lockdowns, they’re being shuttered in big numbers.
Some malls, like my old teenage stomping ground, appear to be hanging in there. Sears is long gone, but Target and Dick’s appear to be doing well.
Some mall owners are introducing innovative ideas to remain relevant — and viable.
Others, says NPR, are remaking their vast, rarely busy spaces into apartments, medical facilities, office spaces and other important reuses.
I wish all of them better luck than Ayres, Klingler and I had 40-some years ago. We spent hundreds of hours walking up and down our mall’s crowded corridors, but never once met any girls!
Freelance writer Tom Purcell of Library is author of “Misadventures of a 1970s Childhood.” Visit him on the web at TomPurcell.com.


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Perhaps it was insider knowledge that consumer spending for the 4th quarter of 2015 would be much worse than analysts expected that drove Japan’s central bank head Haruhiko Kuroda to out of nowhere implement a new negative interest rate policy (NIRP), but nevertheless, this data which was reported on Feb. 15 puts the 3rd largest economy in a difficult paradox.
NIRP is an interest rate program normally used as a last resort to force account holders to spend rather than save their money in an effort to artificially inflate spending and GDP. However, implementation of this type of policy assumes many things, including that consumers actually have the money to spend, and that economic conditions are strong enough to ensure a constant flow of money going into goods and services which drives up money velocity.
And perhaps even more, it assumes that savers will not wake up to the fact that they are being coerced into spending, and will instead choose capital flight outside the Japanese economy altogether.
Japan’s economy shrank 0.4 percent between October and December, compared with the previous quarter. This raises questions about Prime Minister Shinzo Abe’s financial stimulus policy to lift the world’s third largest economy out of stagnation.
On an annualized basis the economy contracted 1.4 percent during the period. Economists had predicted a 1.2 percent fall, but actual numbers are worse because of a sharp decline in consumption.
Private consumption, which makes up 60 percent of Japan’s GDP, dropped 0.8 percent, which is more than the predicted 0.6 percent decline, a sign the government’s stimulus policies have so far failed to make the Japanese spend more.
“The downside risks to Japan’s economy are likely to increase as the yen’s gains may damp capital spending and exports, and private consumption also is looking weak. There’s no clear driver to support Japan’s economy,” Yuichi Kodama, chief economist at Meiji Yasuda Life Insurance in Tokyo told Bloomberg.
Wages in Japan haven’t grown more than one percent in any year since 1997, and actually shrank in the last four years when adjusted for inflation. - Russia Today
Central banks around the world are in virtual crisis mode, with Japan, Switzerland, and Sweden already having negative interest rate polices, with many more economies, including the United States, dangling NIRP over their citizens as the ongoing deflationary recession bites into bank and corporate liquidity.
For anyone to publicly say global economies are strong or well into ‘recovery’ is a flat out lie and deception when academics, pundits, and even bank analysts decry the need to ban cash and implement new rounds of quantitative easing (money printing). And with the world’s 3rd largest economy already well into negative interest rates and having bought up most of the bonds and equities their markets have to offer, it is only a matter of time before a financial crisis breaks on the island nation, and domino’s its way Westward into both Europe and the U.S..
Kenneth Schortgen Jr is a writer for Secretsofthefed.com, Examiner.com, Roguemoney.net, and To the Death Media, and hosts the popular web blog, The Daily Economist. Ken can also be heard Wednesday afternoons giving an weekly economic report on the Angel Clark radio show.


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Published in: HomeOn the border: Foxconn in Mexico
Foxconn, the biggest electronic manufacturer worldwide, has strong assembly operations in Ciudad Juarez, on the Mexico-US border. With abundant migrant labor-force, extreme social violence and multinational production are among the main factors that characterize this operation.
Published in: Can Europe Make It?The fox at Europe’s door: Foxconn in Turkey
Foxconn came under the global media spotlight a few years ago when nearly twenty workers at its Chinese factory killed themselves by jumping off their dormitory roofs. This is an investigation into their new factory in western Turkey.
Published in: HomeChina may be far away but Foxconn is on our doorstep
Drawing on support from permissive governments, multinational manufacturer Foxconn has set up shop in Central Europe. Yet the transitory nature of the many migrant workers employed in these factories will have serious consequences for the future of labour in Europe.


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The future of banking is embedded, says Vilve Vene, CEO and co-founder of Modularbank
Banking, and the way in which we spend and access our money, is changing dramatically. Traditionally, banks have relied on selling products and services straight to customers. If you wanted a loan, you’d go to your bank. If you wanted to make a payment, you’d go to your bank. However, with the emergence of embedded finance, driven by technological advances as well as heightened consumer expectations, the ‘monopoly’ of banks is being tested as companies outside of the traditional realm of banking have started adding financial products and services to their offerings.
Recent technological innovations, such as cloud computing and APIs, alongside positive developments in financial regulation and the emergence of open banking have completely transformed the financial landscape. According to the World Economic Forum, the shift from traditional banking to modern and distributed banking will represent an increase in revenues from $3.6tn to $7.2tn. Companies seeking to capitalise on embedded finance must begin positioning themselves now, or risk being bypassed by consumers drawn towards a more seamless experience.
An Easy Win-Win for Non-Financial Companies and their Customers
The scale of the opportunity here is vast, as the possibilities for non-financial companies to embed financial services are endless. Estate agents, travel agents, construction firms, retailers and utility providers are just some examples of traditionally non-financial companies which can benefit from integrating financial services, such as flexible payment options or credit facilities, directly into their customer offerings.
With businesses across all sectors facing fierce competition and tight margins, they’re actively looking for new ways of attracting and retaining customers. Embedding financial services enables them to offer more appealing, more convenient and more tailored services. It also opens up entirely new revenue streams and opportunities for up-selling and cross-selling. Embedded finance really does offer a win-win situation both for them and their customers.
What is more, the technology needed to offer financial services no longer involves huge, upfront investment or long timescales. Thanks to open APIs and cloud-based modular systems, businesses can easily connect with technology providers to seamlessly integrate the right plug and play modules into their own infrastructure, to quickly roll out the specific services that fit with their customers’ needs and aspirations.
Where does Embedded Finance leave Incumbent Banks?
Given the scale of opportunity and the ease of implementation for non-traditional players, embedded finance could be said to present a threat to incumbent banks; that’s far from the case. Banks are in a unique position to play a leading role: only they have the deep industry expertise, the reach, the credibility, the hefty balance sheets and direct access to cost-efficient capital.
You may be wondering, how can incumbent banks benefit from this?
To take a real-life example: imagine a small business owner, doing their invoicing and accounting on a third-party platform, who realises he needs a temporary bridging loan to enable him to pay his staff while he waits for his invoices to be paid. If that platform offered an integrated means of obtaining additional financing (secured against the value of the invoices due in) from a trusted bank at literally the touch of a button, it would allow that bank to offer a compelling service to a new customer.
Put simply, embedded finance allows banks to offer banking services to people via third party platforms as and when they need them. Instead of waiting for customers to go to a bank, banks can now insert themselves at the point of purchase, reaching new customers and driving additional revenue.
A Gradual, Sustainable Approach will Deliver Results
Banks must accept that their industry is evolving, consumer expectations have changed, and non-financials now have the ability to compete in the financial market. Carrying on as if nothing has happened would be a road to ruin. There are certainly challenges ahead for them in addressing this new future – legacy systems and processes being the most obvious - but there is still a vital and very profitable role for those banks willing to adapt their offerings towards embedded finance.
While there are many things to consider, the point is to start - to get going. The changes we will see in the financial industry over the next 5-10-15 years will be dramatic, but they won’t happen overnight. Banks need to see this as a gradual change, and partner with technology providers who can support their innovation in an agile and modular way, in order to deliver impact quickly and sustainably.
Over a relatively short period of time, embedded finance will change the face of financial services. With the entry of non-financials into the market and the changing role and position of incumbent banks, the overall ecosystem is undergoing a substantial shift. As consumers naturally gravitate towards frictionless access to finance, those who fail to offer it risk losing their competitive edge.
Vilve Vene is CEO and co-founder of Modularbank. The views and opinions expressed are not necessarily those of AltFi.


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- Special Features
Blogs & Columns
- Fun & Games
Google’s YouTube video site is reportedly planning on launching its own subscription music service, which would put it in direct competition with Spotify. YouTube’s service, however, would include a video component.
According to a Billboard report, the service will have a free version and a paid premium edition that will let users build a playlist to listen to offline and will cut out ads. Billboard’s sources say that the service would have a large catalog, similar to Google’s All Access subscription service.
The focus for the new service is mobile use and it will give Google a music video subscription service to pair with future products, like Google Glass.
YouTube wouldn’t comment on the service and it’s not clear when it would launch. However, it could be out before Beats Music, which isn’t expected until later this year. However, sources for Billboard say that Beats Music may be pushed back until 2014.
“We’re always working on new and better ways for people to enjoy YouTube content across all screens, and on giving partners more opportunities to reach their fans,” YouTube told Billboard. "However, we have nothing to announce at this time."
YouTube already has a key role in promoting artists today and the service has launched its own music awards show. The ceremony will be streamed live from New York on Nov. 3.


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Lewis Hamilton is strolling through driver’s paddock in Melbourne, dressed head to toe in white. There’s a two kilo gold chain hung around his neck which carries a diamond encrusted likeness of Jesus Christ.
- OnePlus customers hit by card fraud after buying phones on oneplus.net
- Safeguarding your biggest cybersecurity target: Executives
- Spectre and Meltdown explained: What they are, how they work, what's at risk
- Australian companies lag world in evaluating business risk of data compromise
- Week in review: How is your Meltdown/Spectre action plan progressing?


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Créme de La Carmen
November 21, 2011 § Leave a comment
A case study in longevity and lush experience and a relief from aging woes, the forever feline Carmen Dell’Orefice has unveiled the first exhibition dedicated to her extraordinary endurance. Carmen: A Life in Fashion opened last night in the London College of Fashion’s Fashion Space Gallery. And indeed this is fashion over fashion. Starting out at the age of 13, her unique, 66 year career is documented by a collection of images, promising a chic history class showcasing the fabulous past we all long for.
Carmen, the iconic beauty has been through it all, yet she puts the secret of endurance simply: “Show up for the job,” she said. “Be careful of the company you keep and have fun…If it’s not fun, it’s no fun!”.
But by the look of it, Carmen and her crew made a perfect match, and she still manages to show up for the job, and at 80 that truly is the stuff of legend.
(Curated by David Downton, from November 16 to January 14, 2012)
Thanks to British Vogue


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After 13,000 entries, Chevy has narrowed it down to three finalists in its Volt Color Contest. Among them are Devin McQuarrie of San Jose, CA, with the name EV-ergreen; Dave Thomas of Sanford, FL, with the name Viridian Joule; and Matthew Valbuena of Rancho Santa Margarita, CA, with environMINT.
Chevy is now asking the public to visit http://www.chevroletvoltage.com to vote for their favorite. Votes will be accepted until 8 a.m. Eastern Time on Dec. 1st. All finalists will be flown to Los Angeles for an event prior to the LA Auto Show, where the winner will be announced. The winner will be one of the very first individuals outside General Motors to drive the company’s revolutionary new plug-in hybrid.
Official release after the jump:
Every Vote Counts: Finalists in Chevrolet Volt Color Contest Compete to be First to Test-Drive a Volt
Nearly 13,000 consumers submitted entries Every state represented with at least one name entry Consumers vote Nov. 16 through Dec. 1 to decide the winner Winning name will be announced Dec. 1 in Los Angeles
DETROIT – “Chargetruse,” “Recharge Silver,” and “Voltaic Platinum” are among the nearly 13,000 entries consumers submitted in Chevrolet Volt’s paint color name contest. Chevrolet has named three finalists whom will compete for a chance to be the first consumer to test-drive a pre-production Chevrolet Volt electric vehicle.
Chevrolet selected “EV-ergreen” offered by Devin McQuarrie, 30, of San Jose, CA; “Viridian Joule” submitted by Dave Thomas, 40, of Sanford, FL; and “environMINT” entered by Matthew Valbuena, 30, of Rancho Santa Margarita, CA. Chevrolet chose the three finalists based equally on originality, creativity and the ability to capture the innovation and spirit of the Volt.
Consumers now determine the winner by voting for the favorite name of the three at “http://www.chevroletvoltage.com” through 8 a.m. ET on Dec. 1. The finalists and a guest each will travel to Los Angeles where the winner will be announced by Chevrolet on Dec. 1. Votes are limited to one per person, per internet protocol address during the voting period.
About 27,000 people – or half of all visitors to “http://www.chevroletvoltage.com” during the entry period Oct. 22 through Nov. 4 – submitted a color name.
The Chevrolet Volt is an electric vehicle with extended-range capability. It can drive up to 40 miles on electricity without using gasoline or producing tailpipe emissions. When the Volt’s lithium-ion battery runs low, an engine/generator seamlessly operates to extend the total driving range to more than 300 miles before refueling or stopping to recharge the battery.
Production for the Volt is expected to begin in late 2010. Pricing has not been announced.


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Project: Baskin-Robbins Wacky Summer Flavors Media Relations Campaign
- Secure national and regional broadcast, print and online coverage for Baskin-Robbins’ summer flavors.
- Drive consumers to make in-store purchases throughout the summer months.
- Researched Baskin-Robbins competition for similar bizarre flavors, including Buttered Popcorn from Maggie Moo’s and Strawberry Basil from Cold Stone Creamery.
- Explored the “wacky” trend for 2011 summer ice cream flavors and identifying several Baskin-Robbins flavors that fit the “wacky” qualifiers.
- Identified and developed interesting and captivating truths around each wacky flavor to increase media interest, for example: “French Toast began dazzling the taste buds of King Henry V in the 15th Century when bread that might have otherwise been thrown away was used to create a sweet treat for the King. Now at Baskin-Robbins you can enjoy the same great French Toast taste for dessert.”
- Leveraged existing relationships with reporters and producers to ensure Baskin-Robbins’ inclusion in wacky summer ice cream flavor stories.
- Pitched influential Reporter, Bruce Horovitz for a national, high profile, consumer news placement in USA Today.
- Developed several pitch angles for Bruce Horovitz including Baskin-Robbins’ flavorology and innovative leadership in all ice cream trends.
- Conducted extensive media relations to top-tier outlets to secure national placements.
- The campaign generated widespread national and regional media coverage.
- Between May and July, SA reached almost 68 million people with the wacky ice cream story, garnering more than 133 million impressions.
- SA secured Baskin-Robbins in a trend piece by Bruce Horovitz of USA Today.
- SA helped drive a significant jump in sales for Firehouse #31 and created such a demand for French Toast that when it hit shelves in September, many stores sold out in only a few weeks.
- Today Show: Weekend Edition (5,998,000 viewers) on June 11, 2011. Anchor Lester Holt and ice cream expert Katie Brown of the Katie.
- Brown Workshop tasted French Toast, Firehouse #31 and flavors from several other brands in Rockefeller Plaza. Baskin-Robbins was the first brand sampled and Lester Holt’s favorite.
- People Magazine (circulation: 3,450,000) in the August issue. Pitched and secured a new summer ice cream flavors article featuring September Flavor of the Month, French Toast, along with several unique flavors from other brands.
SA also brought the wacky summer flavors angle to the attention of major national publications and secured media coverage that included:
- Parade (circulation: 32,200,000) on July 17, 2011
- Newsweek (circulation: 1,500,000) on July 18, 2011
- MSN.com (11,431,285 readers) on July 29, 2011
Learn more about our launch services here.


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The engineers over at Nissan have been busy as of late.
Read This Article
The 2013 Nissan Leaf, going on sale later this month, sports a more defined sound system.
The Nissan name has successfully succeeded the defunct Datsun for almost three decades, as the Japanese automaker moved its products to its global namesake in 1983.
Nissan will begin production of electric motors for the all-electric Leaf at its Decherd, Tenn., manufacturing facility starting in early 2013.


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SHOPPERS' STOP LTD
Buy PTC India Financial Services, target Rs 46.50: Manas Jaiswal
Buy PTC India Financial Services Ltd. at a price target of Rs 46.5 and a stop loss at Rs 40.5 from entry point.
Sell Bosch, target Rs 20,500: Kunal Bothra
Sell Bosch at a price target of Rs 20,500 and a stop loss at Rs 22,000 from entry point.
SpiceJet flight overshoots Mumbai Airport runway, lands in mud
Flight SG 703 coming from Varanasi landed on runway 27, overshot it and got st...
How a 39-year-old Indian woman is trying to stop a $10-billion mega theft
It's been 6 years since she started her fight. Even filmmakers have taken note; her battle with corruption and misogyny has been told in a 2014 Bollywood docu-drama.
Unitech promoters sent to 4-day custody in a cheating case
Chandra brothers were produced after the expiry of their custody in connection with three other FIRs relating to non- delivery of flats to buyers.
HKEX CEO says talks to win Saudi Aramco listing "will never stop"
Charles Li did not give a timeline for the start of the primary connect programme, the talks for which are ongoing.
Ratan Tata has a child lock feature in mind for Jaguar
The ultimate prize is Tata Motors Ltd.'s Jaguar Land Rover arm, whose continued future ownership is what Ratan Tata, 79, is seeking to secure.
India’s fastest-growing clean energy sector hits an air pocket in new worry for Modi
2018 could be the worst year for new wind installations in more than a decade in India, according to Bloomberg New Energy Finance.
BPL Ltd. making a comeback through online sales
Its tie-up with Amazon.in has worked wonders for the company, which has decided to eschew offline sales in its renewed avatar.
Top cotton buyers flock to India as hurricanes hit US crop
Dealers expect contracts similar to last week in the next few months, which could help India's exports grow by a quarter in the 2017/18 season beginning October.
Delhi High Court restrains Patanjali from airing ads to promote Chyawanprash
Dabur moved the larger bench against the September 1 order of a single judge bench refusing its plea that Patanjali be restrained from airing the commercials.
Karnataka picks up 100 most innovative startups, to give Rs 35 Cr in funding
The startups are being selected under the government’s ELEVATE 100 programme. The initiative also attracted 350 women entrepreneurs and 400 applicants from the rural areas.
Delhi HC reserves decision on Daiichi's Rs 2,500 crore award against Fortis promoters
In 2013, Daiichi took Singhs to a Singapore tribunal, which last April directed the brothers to pay the firm Rs 2,562 crore for concealing information regarding wrongdoing at Ranbaxy.
Kishore Biyani sets sights on HyperCity to build bigger bazaar in future
HyperCity, which has big-box format stores at marquee locations in Mumbai as well as Hyderabad and Bengaluru, posted sales of Rs 1,077 crore in FY17.
Buy ACC Ltd, target Rs 1850: Prabhudas Lilladher
Buy ACC Ltd. at a price target of Rs 1850 and a stop loss at Rs 1680 from entry point.


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16 Janvier 2017
January 15, 2017
To fight harmful rumors about Fukushima farm produce and to revive sales, the prefectural government plans to set up permanent sales spaces for susceptible products in major supermarkets in the Tokyo metropolitan area this summer.
The prefectural government has been trying to improve sales by emphasizing the results of radiation tests proving the products are safe. But supermarkets are still reluctant to sell Fukushima produce even six years after the triple core meltdown at the Fukushima No. 1 nuclear plant.
The prefectural government will now focus on establishing sales channels and making sure Fukushima-made produce is treated the same way as produce from other prefectures. It will provide funds to hire sales staff to promote the products and to offer perks to those who buy them.
To recover the sales channels lost after the 2011 meltdowns, prefectural officials have judged it necessary to directly support distribution in addition to publicizing the radiation tests to prove Fukushima produce is safe.
“We will take drastic measures to boost distribution of prefecture-made food products to recover and explore sales channels,” said Fukushima Gov. Masao Uchibori at his first news conference of the year on Jan. 4.
The prefecture plans to start the project in about 10 supermarkets in the Tokyo area before expanding to other stores after gauging public response. Fruit, vegetables, rice and meat produced in Fukushima will be sold at those locations and promoted by staff offering free samples. Prefectural officials may also try to generate interest by offering Fukushima products for free via lotteries.
The prefectural government plans to reach out to supermarket chains for proposals on how they would set up these dedicated promotional spaces. It believes retailers can benefit from the project because they can expect an increase in customers and sales by selling the produce with incentives attached.
Fukushima plans to invest part of the ¥4.7 billion in rumor-squelching funds allocated in the central government’s fiscal 2017 draft budget on projects aimed at improving its image.
“We will ask for the acceptance and cooperation of supermarkets so that sales sections and channels for Fukushima-made products lost after the Great East Japan Earthquake can be regained,” said an official of the Farm Produce Distribution Division.
This section, appearing every third Monday, focuses on topics and issues covered by the Fukushima Minpo, the largest newspaper in Fukushima Prefecture. The original article was published on Jan. 5.


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compared with (-) 3 per cent in 2015 and 2016," Morgan Stanley said. Equity valuations relative to bonds are the best since 2013. India is one of our top emerging market picks, it added. On RBI’s policy stance, the report said that rising.
Despite the weakness in tech, Morgan Stanley sees no cause for concern and, in fact, a smooth ride ahead for the broader equities market. "Just as Hercules had. A modest rise in interest rates and uptick of confidence President.
US Gov’t Money Market. Fed Funds is Fed Funds Effective Rate. 4. Source: Source: Morgan Stanley. available through Morgan Stanley Wealth Management. Cash Market.
Morgan Stanley wants to focus on simpler products like U.S. Treasury bonds and interest-rate swaps, which offer low profits per trade, but can generate high volumes of trades. It hopes to win enough market share. bets with its own.
Through timely, in-depth analysis of companies, industries, markets, and world economies, Morgan Stanley has earned its reputation as a leader in the field of.
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U.S.-listed shares of dry bulk shippers jump following multiple upgrades and PT raises by Morgan Stanley. market has passed through its cyclical lows and is headed toward profitability ** "Stocks have rallied, yet we see more upside as.
Mack, president of the firm, emphasized the positive, noting that the quarter’s results "demonstrated the firm’s ability to perform in adverse and rapidly changing market. money." Mr. Long agreed that the increase in interest rates that.
Morgan Stanley profits more than halved in the first three months of the year following "challenging" market conditions. concerns about China’s economy and uncertainty about US interest rate rises meant that markets were jittery at the.
Morgan Stanley. corporate tax rate to 35% from 20% could backfire by forcing the Federal Reserve to accelerate interest rate hikes. That in turn would raise borrowing costs for consumers and businesses, potentially unnerving the.
UK households face higher shop prices, sluggish economic growth, rising unemployment and a further interest rate.
Aug 18, 2017 · ’Inconvenient’ Fact: Morgan Stanley Says Electric Cars Create More CO2 Than They Save
National Storage ranks as the sole listed player in the self-storage sector and Morgan Stanley believes the trust will exploit this “fragmented" and “immature" market via a string of acquisitions. Meredith says the balance sheet could.
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India’s e-commerce market will grow at 30% annually for gross merchandise value to be worth $200 billion by 2026, according to a Morgan Stanley report
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but might lower rates by another 50 bps during the current financial year, says a report by Morgan Stanley. According to the report, retail inflation is likely to moderate going forward and is expected to decelerate to 4.5 per cent by March.
The CMA promise was. such as Morgan Stanley, The big development of the mid-1970s had been the spectacular growth of money- market funds, which paid market.
MORGAN STANLEY: Tesla’s future will be decided by 3 questions. according to Morgan Stanley. your MARKET VIEW
With over $1.7 billion in assets under management *, the Spiro Group at Morgan Stanley has 100+ years combined experience managing money for high net worth.
“We believe the RBA would like to see a sustained lift in wages growth before.
Sep 22, 2017 · Emerging Markets: Mind The Growth Gap. prepayment rates, securities/instruments prices, market indexes, Morgan Stanley Smith Barney LLC,
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The sector’s overall poor outlook, combined with sterling’s improving rate. that its market price did not indicate the.
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The US Federal Open Market Committee is widely expected to raise policy rates by 25 basis points. ConvaTec Group closed up 1.9% after Morgan Stanley raised the wound dressings maker to Overweight from Equal Weight.
Eight years after being downgraded to a frontier market, Argentina seems poised for a turnaround, one that offers investors long-term opportunity and returns. Morgan.
At that rate. he needs money, and quickly," Kevin Tynan, a senior analyst with.
According to Bloombergs data, the analyst community rate. Morgan Stanley analyst Tom Kierath says. He says the.


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Cyber gang steals 1.2 billion Web credentials
A Russia-based cyber criminal group has managed to accumulate 1.2 billion unique online login credentials by compromising databases of over hundreds of thousands websites and FTP locations, claim researchers from Wisconsin-based Hold Security.
The entire collection is even bigger – 4.5 billion compromised records – but many of them overlapped. Nevertheless, this is considered to be the biggest haul of login credentials ever made by criminals.
After having researched the matter for seven months, the company has identified the gang holding this cache and has dubbed it “CyberVor” (“vor” meas “thief” in Russian).
Its members all live in a small city in south central Russia, and they are a tight group of less than a dozen men that also know each other offline, Alex Holden, the founder and CISO of Hold Security shared with the New York Times.
“Initially, the gang acquired databases of stolen credentials from fellow hackers on the black market. These databases were used to attack e-mail providers, social media, and other websites to distribute spam to victims and install malicious redirections on legitimate systems. Earlier this year, the hackers altered their approach,” the company explained in a blog post published on Tuesday.
The gang hired a botnet that tested sites for vulnerabilities that might be exploited to steal the contents of the sites’ user database(s).
“The botnet conducted possibly the largest security audit ever. Over 400,000 sites were identified to be potentially vulnerable to SQL injection flaws alone,” the researchers noted. “To the best of our knowledge, they mostly focused on stealing credentials.”
The group had apparently no preference when it came to sites to target. Big or small, the only thing that mattered to them that they are asking users to register, and that they were vulnerable.
Holden says that the databases of a lot of popular websites have been thusly compromised, but he didn’t name them. The company has been trying to contact a lot of the affected sites’ owners, but couldn’t possibly reach all of them, so they made a public announcement in the hopes that they will check their website(s) for SQL injection vulnerabilities and patch them if discovered.
“Whether you are a computer expert or a technophobe, as long as your data is somewhere on the World Wide Web, you may be affected by this breach. Your data has not necessarily been stolen from you directly. It could have been stolen from the service or goods providers to whom you entrust your personal information, from your employers, even from your friends and family,” the researchers explained.
“4.5 billion credentials seems like an impossible number, but just think of how many sites require you to register your e-mail address and, let’s face it, almost everyone re-uses their passwords.”
To help individual users affected by this, the company has announced that it will provide a full electronic identity monitoring service within the next 60 days. Also, they are working on creating an online tool which will allow users to (securely) check whether some of their own login credentials are contained in this mega-cache.
“We have learned of a huge issue where it seems like billion passwords were stolen overnight, but in reality the iceberg has been mostly submerged for years – crime rings have been stealing information for years, they’ve just been doing it undetected because there hasn’t been a concerted effort on the part of companies entrusted with this information to protect it,” commented John Prisco, CEO, Triumfant.
As the issue of stolen user information and passwords is unlikely to be solved soon, Eric Cowperthwaite, VP of advanced security and strategy at Core Security, urged sites owners and companies to implement two-factor authentication, and users to start using a password manager and change their passwords frequently.


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Representative Jackie Walorski (IN-02) attended an event Wednesday evening supporting the recreational vehicle industry association (RV Caucus), which she created last year to help educate members of Congress on the issues that impact the RV industry.
“In Northern Indiana, Hoosiers are proud to be known as the “RV Capital of the World” as this powerful industry continues to manufacture quality products, create jobs, and enrich American tourism,” said Walorski. “With over 80 percent of North America’s recreational vehicles built in Elkhart and LaGrange Counties, it is critical that this industry remains relevant and continues to produce new products and technologies for recreational vehicles. I am pleased to support the RV industry and ensure its prolonged success for the benefit of American families.”
The congresswoman was joined by members of the RV caucus along with President of the Recreational Vehicle Industry Association, Richard Coon. Also on hand were Representatives Dennis Ross and Dan Benishek M.D.
Walorski’s district, leads the country in RV production.


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Reliance annual general meeting 2020: Live stream details and what to expect
Reliance is all set to kick off its Annual General Meeting (AGM) 2020 today at 2PM IST. Interested in following the announcements, you can live stream the digital event on multiple platforms.
Reliance Industries Limited (RIL) will be hosting its 43rd annual general meeting (AGM) today at 2PM IST. It will be for the first time that the annual event will be held virtually. That's because of the pandemic. At the AGM we are expected to witness the yearly results of the company and how it performed. There may also be some announcements on new products and platforms.
Last year, at the company's 42nd AGM, RIL's chairman and managing director Mukesh Ambani had set a roadmap for the company to attain a debt-free status by March 2021. This year, he is expected to elaborate on how the company managed to attain that status and raise more in a short span of twelve weeks by selling just 25% shares of the company's digital wing, Jio Platforms.
In addition to that, we also expect the company leaders to share details about the deal with Aramco that is expected to raise a whopping $75 million for a 20% stake in the company's Oil-to-Chemical (O2C) division.
Apart from that, we also expect the company to share a detailed plan about Reliance Retail, a division that benefited greatly from Jio's deal with Facebook, a deal that also ensured an increased participation between JioMart and WhatsApp for Business.
Traditionally, RIL also uses its AGM to announce its future plans. For instance, last year the company focussed on its Jio Fiber service. In 2018, it launched the Jio Hungama offer while in 2017 JioPhone was launched. RIL is expected to make a similar announcement today, details of which remain undercover at the moment.
How to watch the livestream
As mentioned before, this is the first time that Reliance will host its AGM virtually. The event will begin at 2PM today and it will be broadcasted via multiple channels allowing shareholders and people at large to tune in to know details about the announcement made at the event.
The event be be broadcasted via the company's Flame of Truth and Jio channels on YouTube. In addition to that it will also be streamed via the company's Flame of Truth and Jio Facebook handles and Twitter handles. Additionally, individuals will also be able to access the link to the live-stream via the company's JioMeet link. Lastly, people can get updates regarding the event using a WhatsApp chatbot that can be accessed by sending a ‘Hi' on the number +91-79771-11111.
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What do you get when you take more than 200 years’ experience in the home and combine it with one of the UK's leading smart-home providers? The answer: Hive EV Charging from British Gas: a revolutionary new way to charge your car at home.
More car buyers than ever are making the switch, with over 10,000 all-electric cars sold in February 2022 alone – an increase of almost 197% on 2021's figure. That's great news for helping the battle to lower our collective CO2 and emissions footprint, but it also means a lot more electric cars that are dependent on what is still a growing public charging network. Not to worry, British Gas and Hive have the perfect solution.
Hive is changing the way we charge at home, making it easier, more efficient and even cheaper to run an electric car. Combining Hive’s award-winning smart home platform with the latest home charging technology and installation by British Gas’ network of expert engineers, Hive EV Charging is the definition of home charging made easy.
Trusted experts work with trusted experts. That’s why What Car? and Autocar are proud to partner with British Gas and Hive. We believe simple helpful practical advice and support is crucial to helping even more of us make the electric switch, and Hive reinforces that vision with the experience of expert British Gas engineers, who provide helpful hands-on support from your first inquiry through to your third-year anniversary, and beyond.
Easy to set up
Switching to an EV can be a big change and Hive knows that – which is why Hive has made both installing and operating a home charger easier and more convenient than ever. With roughly 80 percent of all electric car charging done at home, it's important to have the right system in place to make plugging in as quick and cost effective as possible.
With British Gas and Hive, you’ll be ready to start your home charging journey in five simple steps: charger order and a quick questionnaire on the website, followed by a personalised video call, effortless installation, download of the Hive app and then start charging. That’s it.


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Suncorp New Zealand (NZ) is supportive of any regulatory initiative that helps consumers understand insurance better and creates good customer outcomes, the insurer says.
The comments come after the government announced the terms of reference for the insurance contracts law review last week.
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- All websites globally will be reviewed against the “Better Ads Standards” by July 9.
- Website owners will be given a 30 days period to fix bad practices, or else they will get filtered by Chrome’s ad blocker.
- Google says the first results are already showing almost total compliance with the designated standards.
Google announced their intention to expand the coverage of their ad blocker for Google Chrome to all websites worldwide by July 9. Since the release of version 71 that came out last December, the ad blocker functionality was active for North America and European sites, successfully blocking the displaying of annoying pop-ups and sticky ads, redirection loops, and persistent dialog boxes.
Complying with the latest guidelines of “Better Ads Standards” that Chrome has fully adopted, Google will expand their coverage to all mobile and desktop sites that users of their browser visit starting by this summer. From then on, owners of websites that are repeatedly reported for abusive advertising practices through the “Ad Experience Report” tool will have 30 days to remedy the situation until Google aggressively filters all ads on their site.
As Google points out, their Ad Experience Report has yielded bright results for US, Canadian, and European websites since last December. Website owners have made specific changes to smooth the rough edges in the ad deliverance experience of their online portals. Specifically, 2/3 of the websites that were deemed as non-compliance to the “Better Ads Standards” are currently sitting in good standing. A similar and more global benefit is expected with the expansion of the ad blocker’s coverage, with all websites now being categorized in three ranks as “passing”, “no issues found”, and “failing”.
Still, though, users who want to disable the ad blocker will still have the capacity to do so through Chrome’s settings. Toggling the setting to “allowed” will open the tap to intrusive advertising material. The effects of this globalized filtering through are so profound, that even then, the websites that will deliver this type of content and in such a misleading manner will be few. Google mentions that out of the millions of sites they have reviewed to this date, less than 1% required mandatory filtering action from the ad blocker’s side. No one is risking on breaking any of the 12 of the “Better Ads Standard” guidelines, otherwise, they will find themselves dropping the ranks of the world’s largest search engine faster than greased lightning.
Are you happy with the way the coalition, Google, and other web entities are enforcing a better internet user experience for everyone? Let us know in the comments below, and don’t forget to like this story and subscribe to our socials on Facebook and Twitter.


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A GPS can be a trucker's best friend: It usually tells them exactly where to go and how to get there, with a lot of helpful information about the trip and road conditions.
Detention times have long been a big issue for professional truckers.
With more states across the U.S. now trying to develop more revenues in a number of ways, many have turned to increasing tolls on their major highways.
For the last year, just about every headline across the country about trucker pay has been about rising pay.
February typically brings with it a lot of harsh winter weather, and it's something for which professional truckers often feel prepared.
Among the consumer buying public, 75 percent expect shipping to come at no cost to them, according to a newly released survey from the National Retail Federation.
Updates to the hours of service rules originally slated for release in March may be moved back due to the government shutdown.
The Owner-Operator Independent Drivers Association is seeking an injunction that would nullify a 35 percent hike in Indiana tolls for truckers.
According to the Commercial Vehicle Training Association, delays for commercial driving skills tests have led to approximately $1.5 billion in annual economic losses for the U.S. economy.
It's been said many times that most truckers don't get as much exercise as they probably need.
Across the U.S., just about any trip on the highway will lead drivers to pass at least a handful of tractor trailers operated by dedicated, hardworking professionals.
One of the biggest pieces of advice nutrition experts and health care professionals give drivers on an ongoing basis is that they should strive to eat better.
Truckers used to be away from home for days or even weeks at a time with only the occasional phone call to friends or family to keep them connected.
The Federal Motor Carrier Safety Administration has preempted California's rest break rule for truckers.
With January already here, many truckers across the U.S. have likely run into icy roads, high winds, snow and difficult visibility conditions.
The issues around the national driver shortage in the freight industry are still lingering as 2019 begins, and, unfortunately, they seem to have no end in sight.
It's New Year's resolution time and, like many Americans, professional truckers across the country will likely pledge to get healthier in 2019.
The job of a professional trucker is not for the faint of heart at any time of year, but those who do it can find many ways to thrive.
The massive gap between the number of truckers freight companies need to meet demand and the relatively small number of pro haulers actually available to them is a major issue for the industry.
One of the most common New Year's resolutions people vow to achieve every December is losing that extra five, 10 or even 20 pounds they've been carrying around.


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Google launched the next generation of ad-serving technology Monday in an effort to continually improve ad-serving. DoubleClick for Publishers (DFP) will come in two versions: a pay version for larger publishers that require more options, and a free version for smaller publishers with simple needs that replaces Google Ad Manager.
Written on Google technology, the upgraded version of DFP offers publishers a new way to serve ads. The completely redesigned interface aims to save time and reduce errors. Detailed reporting and forecasting data give publishers tools to help them understand where revenue originates and what ads are most valuable with more than 4,000 data points in reports. And sophisticated algorithms should improve ad performance and delivery.
The platform also provides an open public API that enables publishers to build and integrate their own apps with DFP or integrate those created for DFP by third-party developers. Applications under development include sales, order management and workflow tools.
It should become easier to buy and sell inventory, and checks and balances should become automated, Wojcicki says. "I'm committed to building a much better platform, so advertisers can buy inventory for less administrative costs," she says. "About 28% of the online costs go toward administrative costs, compared with 2% for TV."
Wojcicki also believes inventory and yield management should work seamlessly together.
The new version of DFP also lets Google work closer with the DoubleClick Ad Exchange that officially launched in 2009. Publishers will gain access to the updates this year as features roll out.
Since acquiring DoubleClick in March 2008, Google's engineering and product teams have been working with online publishers to tackle obstacles that prevent them from getting the most from investments. The Mountain View, Calif. company saw an opportunity to improve DoubleClick's infrastructure by building out its display advertising and ad-serving technology.
Meanwhile, companies such as AdMeld and Rubicon Project, which recently declared the ad server dead, emerged to mediate the relationship between ad networks and Web sites. The Los Angeles Times points to a manifesto from Google rival Rubicon Project, which asserts that publishers need to reaffirm their relevancy to advertisers. "Publishers who effectively sell their audiences -- not just their sites, zones, brand and content -- will be most successful, because if they can be the very best at delivering a particular audience, then they are of the utmost value to advertisers."
Delivering that audience requires technology, similar to platforms Google has spent years attempting to build and simplify.
Google also unveiled changes to the DoubleClick logos -- including typeset changes -- incorporating a new "by Google" theme and retiring the "DART" brand to reinforce a commitment to display advertising.


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They've already released KitKat Chunky Cookie Dough (our office vending machine is empty!) but now the Nestle chocolate gurus have come up with the highly tempting New York Cheesecake flavour. Apparently it's a 'mouth-watering taste of New York in a chocolate bar' and will be available from September 18th for 65p.
Will you be tempted?
- For more food news, pick up the latest copy of Yours magazine


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Since we’re on an electric kick today, what better car could Haute Auto feature than the SLS AMG Coupé Electric Drive? When Mercedes officials unveiled this model at the 2012 Paris Motor Show, they dubbed it the ‘world’s most powerful series production electric car’, and it may be one of the most expensive as well. Thanks to Born Rich, we’ve got a peek at the Electric, which will be available starting in June 2013 with a price tag starting at $538,625.
The SLS AMG Coupé Electric Drive has a liquid-cooled lithium-ion battery which produces a voltage of 400 volts, 60 kWh of power and can charge in just three hours via a special wall box connection with 22kw. That’s in addition to the 4 compact electric motors which combine for an impressive 740horsepower total. The lightweight shell, AMG light-alloy wheels, 5-twin-spoke design, ”AMG magno Electric Beam” matt varnish and AMG ceramic composite brakes are just a few highlights. The Electric Drive will be the most powerful AMG model available from Mercedes-Benz; this vehicle can go from 0 to 100 km/h in just 3.9 seconds.
Source and photos courtesy Born Rich.