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Last month at the MWC 2016, Samsung and LG had unveiled their latest flagship smartphones. Now in the April, we are going to see even more flagships from the Chinese brands. There are also few interesting smartphones from the Chinese brands that will be launched in the Indian market. While almost all the below-mentioned devices will be launched by the end of April, we can’t guarantee the availability of the devices in the same month.
OPPO has announced the high-end OPPO F1 Plus alongside the OPPO F1 in January. While the F1 is made available within the next few days, the F1 Plus is said to be launched in April. Now the company scheduled an event on April 5th where we expect OPPO to unveil the F1 Plus smartphone. The OPPO R9 that was launched on March 17 in China will be launched as OPPO F1 Plus in India, Indonesia, and few other Asian markets. The device will be priced at Rs. 26,990 and sports all-metal unibody design. It features a 5.5-inch Full HD (1920 x 1080 pixels) AMOLED display. Under the hood, the F1 Plus is powered by the MediaTek Helio P10 octa-core processor clocked at 2.0GHz.
It has a whooping 4GB of RAM and includes 64GB of internal storage. There is an expandable storage option upto 128GB via provided MicroSD card slot. In the camera department, the F1 Plus comes with a 13MP rear camera with f/2.2 aperture and PDAF for fast focusing. For the selfies, it has a 16MP front camera with f/2.0 aperture and screen flash option for capturing selfies even in dark light conditions. The device is backed by a 2,850mAh battery and includes VOOC flash charging for faster charging speed. It also supports dual SIM dual standby and offer 4G LTE VoLTE along with other basic connectivity options.
Samsung has recently launched the Galaxy J5 (2016) & Galaxy J7 (2016) in China as the successors for 2015 launched Galaxy J5 & Galaxy J7. As seen with the earlier launched Galaxy A5 (2016) & A7 (2016), we can expect the Galaxy J5 (2016) & J7 (2016) to be made available in India within the next few weeks. The device comes with a metallic frame around the device with a plastic back cover. Both these devices seem to be more focused on offering better smartphone photography. There is a laser focus rear camera and the selfie camera on the front is accompanied by an LED flash.
The J5 (2016) comes with a 5.2-inch HD Super AMOLED display while the J7 (2016) comes with bigger and better 5.5-inch Full HD Super AMOLED display. On the camera front, both the devices sport a 13MP rear camera with laser autofocus and a 5MP front camera with LED flash. The new Galaxy J7 comes with 3GB of RAM while its smaller sibling is limited to 2GB of RAM. Both the devices include 16GB, and there is a MicroSD card slot for storage expansion. Talking about the price, the Galaxy J5 (2016) costs 1398 Yuan (approx $215 / Rs. 14,300) while the Galaxy J7 (2016) comes with a price tag of 1898 Yuan (approx $292 / Rs. 19,500).
Apple had finally launched the 4-inch iPhone called as iPhone SE in the developed markets. The India launch of the device is expected in the next few weeks and might also be made available in the market by the end of April. The device features the same design as iPhone 5S that was launched in 2013 but packs almost same internal as the latest iPhone 6S and 6S Plus. Apart from the 3D Touch, most of the specifications remain same as in iPhone 6S and iPhone SE. It is powered by the Apple A9 processor which makes it three times powerful than the iPhone 5S. The latest iPhone includes 2GB of RAM and comes only in 16GB and 64GB storage variants.
It sports the same 12MP iSight camera that is also found on iPhone 6S which can record videos in 4K resolution. On the front is a 1.2MP FaceTime HD Camera for selfies and video calls. Even though the device lacks 3D Touch, it can capture live photos. It runs on the latest iOS 9.3 and the Home button below the display also sports the TouchID. The 16GB variant of iPhone SE is priced at $399 in the U.S and in India the same device will cost Rs. 39,000 at the time of launch. It will be available in space gray, silver, gold and rose gold color options. Few rumors also suggest the iPhone SE to be launched on April 8th in India.
Apart the above mentioned 4-inch iPhone SE, Apple also launched the smaller version of the largest iPad from Apple, the iPad Pro. While the original iPad Pro came with a 12.9-inch Retina display, the latest iPad Pro Mini will sport a smaller 9.7-inch retina display. Apart from the smaller form factor, there are no major changes in terms of design. The new iPad Pro also includes quad speakers and smart connector as on its larger sibling. The 9.7-inch Retina display comes with a resolution of 1536 x 2048 pixels. It is powered by Apple A9X dual-core processor and includes just 2GB of RAM which is half of what 12.9-inch iPad Pro offered.
Along with 32GB and 128GB storage variants, Apple also launched the new iPad Pro with a whopping 256GB storage. For the first time, Apple has brought the 4K video recording capabilities to the iPads with this 9.7-inch iPad Pro. The 8MP rear camera on the earlier iPad Pro in upgraded to 12MP on this new iPad Pro while the 1.2MP FaceTime HD camera is replaced with a 5MP sensor. With the integrated Touch ID in the home button, it can be used for virtual payments through Apple Pay. The 32GB variant of new iPad Pro costs $599 in the U.S while in India; it is expected to be priced at Rs. 49,900.
Meizu has scheduled an event on April 6th where the company is expected to launch its budget smartphone Meizu M3 Note. It will be the successor to Meizu M2 Note that was launched last year in China and India. The company still launching the device with a polycarbonate while the metal variant might be launched later as M3 Metal. As seen with the earlier devices, the Meizu M3 Note will be the larger variant of Meizu M3, which might also be launched at the same event. The device sports a 5.5-inch display with Full HD (1920 x 1080 pixels) resolution.
It is powered by Helio P10 octa-core processor that was also used in the recently launched flagship smartphone Gionee S8 and also the Gionee W909 clamshell phone. There will 2GB of RAM available on M3 Note and will be available in 16GB and 32GB storage variants. The device runs on Android 5.1 Lollipop with customized Flyme OS overlaid. It is backed by a 3,200mAh battery that can easily pass through a single day of usage. The 16GB variant of M3 Note will be priced at 799 Yuan (approx $123 / Rs. 8,200) while the 32GB variant costs 999Yuan (approx $154 / Rs. 10,250).
HTC will be launching its latest flagship device HTC 10 (a.k.a One M10) in London, New York, and Taipei on April 12th. The leaked images suggest a changeover of the design compared to its predecessor One M9. From the front, the device looks more similar to the HTC One A9 and One X9, but the major change is the removal of HTC logo from the bottom front of the device. The home button placed on the front of the device houses the fingerprint sensor. The HTC 10 will be launched in two variants powered by Snapdragon 652 and Snapdragon 820 processors respectively.
Apart from the processor, RAM, and storage; the rest of the specifications remain same. The device features a 5.15-inch Super LCD 5 display with Quad HD (2560 x 1440 pixels) resolution. It has a 12MP rear camera with laser autofocus and dual tone LED flash. There will be 3GB and 4GB RAM variants with storage options ranging from 16GB to 128GB. The device runs on Android 6.0.1 Lollipop with the latest Sense 8.0 UI laid on top. It is said to be backed by a 3,000mAh non-removable battery. The leaked Antutu score of the HTC 10 outperformed all the recent flagships by a scoring 1,56,091.
Vivo will be launching the all new smartphones Vivo V3 & V3 Max in India on April 5th. Both the devices come with metal build unibody design and will feature a fingerprint sensor. According to the company, the fingerprint sensor on this device can unlock in just 0.2 seconds. Along with India, the devices are also expected to launch in Indonesia and Malaysia. The V3 comes with 3GB RAM and 16GB internal storage while the V3 Max has 4GB RAM and 32GB storage.The TENAA listing of the V3 Max confirmed the MicroSD card slot option for expanding the storage.
Both the are variants will be powered by the 64-bit Snapdragon 652 octa-core processor. The devices will be running on Android 5.1 Lollipop with FunTouch OS overlaid. It comes with dual chip fast charging that is said to give two hours of music playback with just five minutes of charging. We expect the device to sport 13MP rear camera with PDAF and dual LED flash that can focus in just 0.2 seconds. With the optimized FunTouch OS, the camera app opens in just 0.7 seconds. For complete details of both the devices, stay tuned on our website on launch date.
From the last couple of months, we have seen many leaks about the Huawei P9 series smartphones. Recently Huawei has announced the launch date of Huawei P9 as April 6th. The device will be launched in four variants – Huawei P9, P9 Lite, P9 Max, and P9 enhanced version. While the device are expected to launch in the month of April, the problem in the dual camera made the company to delay the launch. All the variants expect the P9 Lite are said to sport dual camera setup on the back. The enhanced Huawei P9 comes with the Kirin 955 SoC along with 4GB of RAM.
The Huawei P9 and P9 Max might come with Kirin 950 Soc, while the P9 Lite is rumored to be powered by Snapdragon 652 octa-core processor. All the devices will be running on Android 6.0 Marshmallow out-of-the-box with customized EMUI laid on top. Like the recent Huawei Nexus 6P, the P9 series also comes with a USB Type-C port and includes a fingerprint on the rear. Based on the recent leaks, the P9 series devices will be made available within a week after the launch.


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SYDNEY Olympic Park is set for thousands of new apartments, with plans to build a new public primary school to cater for the anticipated population growth.
AYMCI’s Ovation Quarter development will deliver approximately 3000 new units, with the first 170 released to the market earlier this month.
The Stage 1 release comprises 170 well-sized, luxury one, two and three-bedroom apartments.
Once complete, Ovation Quarter will become a bustling new precinct.
AYMCI will provide land for a new public primary school, parks for use by the wider community, a high street and a town centre with an abundance of retail outlets.
AYMCI chief executive Mark Ma said Ovation Quarter would capitalise on the growth earmarked for the local area.
“Set against the wider evolution of one of the most iconic destinations in Sydney – the urban regeneration of Sydney Olympic Park and its surrounds – Ovation Quarter will benefit from the State Government’s planned infrastructure and amenity investment well into the future,” Mr Ma said.
“The precinct will become an exceptional new neighbourhood for Sydney, with a high street and a new town centre offering restaurants, retail and community spaces where residents can celebrate a new way of life.
“The planned primary school, abundance of parks and open spaces, as well as its proximity to Sydney Olympic Park transport links and amenity – just 40 minutes from Sydney’s CBD – means the precinct offers an amazing opportunity for homebuyers and investors.”
Michael Gaston, a principal at AYMCI’s partnering architecture firm Kann Finch, said Ovation Quarter had been expertly masterplanned, drawing on the surrounding amenity to deliver an exemplar of modern-day Australian living.
“Where else in Sydney can you see a concert and be home before the applause has ended, enjoy large spacious parklands right on your doorstep and have the kids go to school next door?” Mr Gaston said.
“Ovation Quarter’s lifestyle amenity is outstanding and the area is set to become a vibrant new community centre.
“Perfect for families, the apartments have been designed by drawing on the natural beauty of the surrounding area, including large balconies, green leafy spaces and light-filled apartments.”
AYMCI’s Tony Abboud said interest in the sales release has been high and buyers should move quickly.
“We have experienced a great deal of interest from the market in the variety of apartments on offer,” Mr Abboud said.
Prices for one-bedders (50sq m) are from $550,000 to $650,000. Two-bedders (81-85sq m) are from $788,000 to $1.2 million. Three-bedders (101-115sq m) are from $1.05 million to $1.65 million.
For more details, call 1300 000 888.

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DETROIT — Ford Motor Co. is investing $50 million in Redwood Materials, a battery-recycling company created by Tesla co-founder J.B. Straubel, and plans to partner with the startup to eliminate waste and eventually reuse components from its impending wave of electric vehicles.
The partnership, announced Wednesday, is still in its infancy but will begin with Ford tapping Redwood to recycle its EV production scrap and, eventually, end-of-life EV batteries. Redwood last week announced plans to manufacture EV battery cathodes and other components from the recycled material it receives, and Ford said it could use such components in future vehicles to create a sustainable, closed-loop production system.
"Our partnership with Redwood Materials will be critical to our plan to build electric vehicles at scale in America, at the lowest possible cost and with a zero-waste approach," Ford CEO Jim Farley said in a statement.
Ford is investing $30 billion in electrification through 2025, with plans to bring an EV version of the F-150 pickup to market next year. It plans to spend more on EVs than internal combustion vehicles in 2023.


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Quadrigacx Vs Coinbase Can’t decide what to choose? Quadrigacx vs Coinbase most important pros and cons! 21 Feb 2019. Armstrong noted that QuadrigaCX suffered a multi-million dollar bug in June. Based on Armstrong's and Coinbase's research, this is when. 26 Jan 2018. Those trading or investing in this popular field should know that buying and. battle with the
While this pandemic has caused widespread fear and uncertainty in the markets, and uncertainty about the future, investors.
Bitcoin has spiked beyond $9,000 for the first time in two months, but its price fell the minute began selling it and getting.
The Bitcoin third block halving event took place this Monday. Every four years the amount a bitcoin minor receives is cut in.
For the first time, Bitfinex is seeing its cold wallet shrink. 57,000 Bitcoin ($441M) has been drained in the past 70 days.
7 Apr 2020.
As cryptocurrency markets crashed hard in March, bid-ask spreads on major exchanges widened dramatically, according to a report by OTC.
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Bitbuy OTC. (Over-the-Counter). Contact Us to Get Started. Current Prices: Bitcoin. BTC $12,300. Ethereum. ETH $265.14. XRP $0.284. BCH $325. LTC $58.67.
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on OTC, then the retail markets might start seeing the same price action on.
13 Feb 2020.
A crypto exchange has the benefit of facilitating liquidity, providing transparency, and maintaining the current market price. In an OTC trade, the.


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Nikola’s Shares Dip Following Poor Quarterly EarningsThe shares of Nikola are down by over 10% today after the company reported a loss in the second quarter of the year.
The shares electric car startup Nikola is down by over 10% today after the company reported losses in its latest quarterly earnings.
Nikola Reports Losses In Q2
Electric vehicle startup Nikola Corp. reported its second-quarter earnings earlier today, and it was lower than what analysts had estimated. The shares of the company are down massively since Nikola reported its earnings.
Trading Derivatives carries a high level of risk to your capital and you should only trade with money you can afford to lose. Trading Derivatives may not be suitable for all investors, so please ensure that you fully understand the risks involved, and seek independent advice if necessary. A Product Disclosure Statement (PDS) can be obtained either from this website or on request from our offices and should be considered before entering into a transaction with us. Raw Spread accounts offer spreads from 0.0 pips with a commission charge of USD $3.50 per 100k traded. Standard account offer spreads from 1 pips with no additional commission charges. Spreads on CFD indices start at 0.4 points. The information on this site is not directed at residents in any country or jurisdiction where such distribution or use would be contrary to local law or regulation.
According to its report, Nikola reported a loss of 20 cents per share versus a loss of 29 cents a share. This latest development is a continuation of bad news for the company. A few days ago, a federal grand jury charged Nikola founder Trevor Milton with three counts of criminal fraud for lying about virtually all aspects of the business. He did this to boost the company’s stock sales.
However, Milton had pled not guilty to the charges, and the case is still ongoing. Nikola is looking to dissociate itself from Milton, stating that the founder resigned as the CEO in September last year, and he isn’t involved in the company’s operations and communications since then.
Despite the losses recorded in the second quarter of the year, Nikola maintained that it is committed to reaching previously announced milestones and timelines. It intends to deliver Nikola Tre battery-electric trucks before the end of the year from the company’s manufacturing facilities.
Nikola’s Shares Down By Over 10%
The shares of Nikola are currently down by over 10% so far today. It was trading just above the $12 at the start of the day but lost roughly 8% during the pre-market trading session. NKLA is down by an additional 5% as the US market opened.
NKLA is now trading at $10.43 per share. Year-to-date, Nikola’s stock has posted a loss of over 25%. With the court case against its founder and the poor earnings, it is unclear if Nikola’s stock price would recover soon.


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Where food problems are solved
An increasing population means a growing need to produce affordable, healthy and sustainable food. For more than a century, the City of Guelph and Wellington County have been at the forefront of designing practical, innovative solutions to address food issues. We are home to 1,600+ food businesses and entrepreneurs, 40 research centres, and a vibrant and engaged food community. The collaborative work of these leaders in the agri-tech, food science and agriculture sectors is helping others to live sustainable, healthier lives:
- increasing access to affordable and nutritious local food
- reducing or transforming food waste
- creating new food-related jobs
Guelph-Wellington has been named as a finalist in Canada’s Smart Cities Challenge! We’re one of only 10 communities in our population category being awarded $250,000 to further develop our bid for the $10 million prize. We placed our food innovation vision at the heart of our bid – read our Smart Cities application.
Stay tuned for more information and an opportunity to participate when the program officially launches on October 16!
Guelph/Wellington will become Canada’s first technology-enabled Circular Food Economy, reimagining an inclusive food-secure ecosystem that increases access to affordable, nutritious food by 50%, where “waste” becomes a resource, 50 new circular businesses and collaborations are created, and circular economic revenues are increased by 50%: 50x50x50 by 2025.
The best news: our model will serve as a roadmap for others to follow, improving social, economic and environmental outcomes in communities across Canada and the world.
What are people doing right now?
From the University of Guelph’s many food innovations and the locally-grown promotions of Wellington County, to the advocacy of the farmer-led Ontario Federation of Agriculture, Guelph/Wellington is where food problems are solved.
University of Guelph Family Health Study: developing ways to help families maintain healthy behaviours
The Seed: delivering community programs and advocates to address the causes and effects of food insecurity; removing barriers to healthy food
Taste Real Local Food Map: allowing Guelph-Wellington residents to purchase locally-grown food and support community growers
Arrell Food Institute: research to produce enough food for the growing human population, while sustaining the ecosystems on which we depend
Carbon offsets: capturing and destroying methane at landfill and monetizing the resulting credits by selling carbon offsets
Provision Coalition: assisting food and beverage manufacturers to assess their sustainability challenges in order to increase efficiencies and minimize food waste
What are people saying?
We asked “What makes Guelph/Wellington a food innovation hub?”
Be part of the “food community of the future”
Cathy Kennedy, Manager, Policy and Intergovernmental Relations
City of Guelph
519-822-1260 extension 2255


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Apple has officially confirmed its much speculated purchase of Beats Electronics.
Though the brands will still remain separate, Apple will offer both Beats’s streaming music service and premium headphones.
Apple said that iTunes, which sells individual songs and albums and offers a streaming radio service, would continue to be offered alongside the Beats music service.
In an interview at Apple’s headquarters, Timothy D. Cook, Apple’s chief executive, repeatedly emphasized the talent that Dr. Dre and Mr. Iovine would bring to Apple. He also praised the Beats music service, which has people create playlists for people to listen to.
“These guys are really unique,” Mr. Cook said. “It’s like finding the precise grain of sand on the beach. They’re rare and very hard to find.”
Apple is paying for the deal with $2.6 billion in cash — hardly a dent in the company’s huge cash pile — and $400 million in stock. The company expects the deal to be approved later this year.


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Turns out, Groupon might not be the best way to advertise for a new car dealership.
Read This Article
The 2012 Buick Regal GS has created a stir as fans of the automaker wait for the vehicle’s release this coming fall.
Buick modernizes its latest LaCrosse with new features and technology.
They're the soberest demographic, the most likely to be buckled-in while driving, and...the deadliest.


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In an interview to ET Infra, Rikesh Shah, Head of Open Innovation at Transport for London, outlined that the authority is scouting Indian technology companies and innovators from the mobility sector that can play a role in addressing the needs of London’s transportation infrastructure. Transport for London has partnered with Bosch India, Ola, earlier to deliver solutions for London's transportation network.Transport for London scouting Indian tech companies that can offer mobility solutions: Rikesh Shah
UK’s Transport for London scouting for Indian innovators, tech companies that can address London’s transport challenges: Rikesh Shah
In an interview to ET Infra, Rikesh Shah, Head of Open Innovation at Transport for London, outlined that the authority has already partnered with companies such as Bosch India, Ola in order to find solutions to address London’s transportation challenges.
Adani Ports, 12 other entities sign non-disclosure agreement to access data on Unified Logistics Interface Platform
The platform will enable the industry players to get secure access to information related to logistics and resources available with various ministries through a dedicated portal


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Milwaukee bars serving up non-alcoholic cocktails, as 'sober curious' movement gains popularity
MILWAUKEE (CBS 58) -- The 'sober curious' movement is gaining popularity in the Brew City, and local bars are keeping up with the demand.
As more people take part in the 'sober curious' movement, Milwaukee’s Merriment Social is seeing a demand for zero-proof cocktails. Each one of the cocktails is made with precision, even if the drinks are missing the one key ingredient, alcohol.
“You don't have to be that one person in the group who's just nursing a soda, you can have your fancy pink drink,” said Merriment Social's Beverage Director, Joe Lowery.
Some people have joined the sober curious movement by trying a dry month or quitting drinking altogether. A 2017 survey found one-third of people want to cut back their alcohol consumption.
At Hotel Madrid, they say it takes just as much time and effort to craft their non-alcoholic cocktails, which allows their sober customers to say ‘cheers’ with a drink that looks and tastes as good as everyone else’s.
“Someone who doesn't drink should be able to have a cocktail that's just as curated than some of our other drinks,” said Kyle Yost, Bar Manager of Hotel Madrid.
Punch Bowl Social also has plenty of drinks for their sober customers. The restaurant has 13 non-alcoholic cocktails on its menu, making everyone feel welcome whether they’re sober or not.
“It's important they can be part of that experience and part of that fun, regardless of their beverage option,” said Katharine Foley, of Punch Bowl Social.
Joe Lowery, the Merriment Social Beverage Director, shows us their non-alcoholic craft cocktails:
Kyle Yost, the Bar Manager of Hotel Madrid, shows us their non-alcoholic craft cocktails:


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Greece's battered economy remained in deflation territory for the fifth consecutive month in July, as consumer prices fell yet again due to a huge drop in the prices of clothing and footwear.
Consumer prices fell 0.7% year-on-year in July and plummeted below a predicted 0.4% drop. The EU-harmonised deflation dropped to 0.5% from 0.3% in June, according to data from Greece's statistics office ELSTAT.
By comparison, inflation in the 17-nation eurozone remained stable at 1.6% in July.
In Greece, the prices of clothing and footwear dropped 13.6% in July. Household equipment prices fell 2.4%, while those of food and non-alcoholic beverages fell 1.2%.
Consumer prices in recession-hit Greece fell 0.4% in June and May, 0.6% in April and 0.2% in March. Greece entered deflation for the first time in 45 years in April because of a decline in the price of services.
Greece has been hit harder than any other eurozone economy by the sovereign debt crisis in 2010, and still teeters on the brink of collapse.
The country is in its sixth year of recession and unemployment hovers at a record rate of 27%. Over 60% of the country's youth are jobless.
Analysts say Greece cold lose another 195,000 private sector jobs, as the Government's strict austerity measures cause thousands of businesses to close.
According to the Institute of Small Enterprises of the Hellenic Confederation of Professionals, Craftsmen and Merchants (IME/GSEVEE) report, the number of businesses collapsing amid the ongoing sovereign debt crisis will outstrip the number of those opening up. The group's general-secretary Nikos Skorinis expects 195,000 jobs will be lost by the end of 2013.
Earlier, Athens decided in a parliamentary vote to axe or transfer 25,000 public sector workers amid mass protests against austerity measures.
The Government had initially agreed, as part of its rescue package terms, to cut 15,000 public sector jobs by the end of 2014. Greece's €240bn rescue deal expires at the end of 2014.


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Galaxy Interactive advances the interactive sector with $650 million in assets under management
Galaxy Interactive has raised a $325-million venture fund to advance the interactive sector.
With the fund including more than 70 new LPs such as institutional investors, endowments, strategic investors, and family offices, Galaxy Interactive is the second multi-LP offering within the asset management arm of Galaxy Digital.
Headed by General Partners Sam Englebardt and Richard Kim, Galaxy Interactive was established in 2018 as a stage‐agnostic venture fund specifically for companies operating in the interactive sector, which Englebardt and Kim define as “the intersection of content, finance and technology.” Galaxy Interactive now has $650 million in assets under management, across two funds.
Nearly $150 million of the $325 million raised is allocated for investments to the new companies that will join over 60 companies under Galaxy Interactive’s existing portfolio. The existing interactive companies include Mythical Games, Genvid, Immutable, GreenPark, Current, StockX and Bad Robot Games. To date, the publicly announced investments from the new fund include Republic, 1047 Games, Elodie, ROAR, Art Blocks and Masterworks.
Galaxy Interactive is an offering of Galaxy Digital, which is “a diversified financial services and investment management innovator in the digital asset, cryptocurrency and blockchain technology sector,” according to its website. Galaxy Digital has $2.2 billion in assets under management.
As an explanation about the launching of Galaxy Interactive, Englebardt said, “We launched this franchise three years ago around one core question – what would you invest in if you believe, as Richard and I so fundamentally do, that younger generations are moving en masse from the physical to the digital world? Today, the implications of that question present themselves everywhere, in so many fascinating ways and through the utilization of revolutionary technologies. There has never been a better time to focus on the intersection of content, finance and tech, and we’re fully dedicated to leading the charge in growing this sector.”
Founder and CEO of Galaxy Digital, Mike Novogratz, recognizes contribution of Englebardt and Kim to the interactive sector. Novogratz said, “The prescience Sam and Richard have had with respect to this sector has been uncanny. They were the first people to pound my desk insisting that gaming and digital objects – which weren’t even called “NFTs” yet – would provide the biggest opportunity for blockchain technology to scale and that Galaxy Digital needed to specialize in this space. Fortunately, we listened, as the companies in the portfolio they’ve built and the pipeline they’ve created are going to have a profound impact on both the real and digital worlds.”


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Week of July 21 Recall News
Recent Recall News
Several companies have issued voluntary recalls of consumer products due to safety concerns in recent weeks, including the following:
Great American Marketing Ready-to-Eat Foods
Great American Marketing, based in Houston, Texas, has recalled nearly 500 pounds of ready-to-eat products due to contamination with Listeria monocytogenes. The wrap and sandwich products were produced July 15, 2014, and sold in retail locations with a sell-by date of July 26, 2014.
The following products are included in the recall:
- 7.4-ounce plastic-covered trays containing chicken caesar wraps
- 8.1-ounce plastic-covered trays containing club wraps
- 10.5-ounce plastic-covered trays containing ham and cheddar premium sandwiches
- 10.5-ounce plastic-covered trays containing turkey and swiss premium sandwiches
The possible contamination was discovered when the USDA Food Safety and Inspection Service collected a sample that tested positive for L. monocytogenes on July 21. The samples product was not distributed, but the plan produced the additional products without conducting a full clean-up of production equipment. So far no illnesses have been reported.
The Food Safety and Inspection Service advises consumers to reheat products until steaming hot to prevent contamination. Click here for more information.
Tommee Tippee Baby Monitors
Mayborn USA has recalled approximately 25,000 Tommee Tippee baby monitors with movement sensor pads due to strangulation hazard. The sensor pad cord can be pulled into the crib and wrapped around a child’s neck, posing a severe safety hazard.
Two models are affected by the recall: 1082S and 1094S Tommee Tippee Movement and Sound Baby Monitors with Sensor Pads. The products contain a baby unit, parent unit, and movement sensor pad. The sensor pad is white with a 10-foot cord that runs from the pad to the baby monitor unit; the sensor fits under the baby’s crib mattress and sounds an alarm when no movement is detected for 20 seconds.
The affected monitors were sold at Toys “R” Us/Babies “R” Us and on Amazon.com since September 2011 for about $150. Consumers should make sure all cords are out of reach of the child and contact Mayborn USA for a free cord cover kit (which includes rigid protective cord covers), a new electric cord warning label about the strangulation risk, and revised instructions. To date, no injuries have been reported.
Contact Mayborn USA at (866) 214-1537 or click here for more information.
Best Buy Electronics
A number of products were sold by Best Buy and related retailers after they were recalled in 2012 and 2013. The affected products carry a risk for fire, burn, shock, expelled parts, and skin irritation.
The affected products include:
- Canon EOS Rebel T4i Digital Cameras: sold in June and July of 2012, recalled in August 2012 because a chemical used in the camera’s rubber grips can cause a reaction that irritates the skin.
- Coby Televisions: sold August 2011-November 2013, recalled in December 2013 because an electrical component can fail, catch fire, and ignite nearby items.
- Definitive Technology SuperCube 2000 Subwoofers: sold November 2012-January 2013, recalled in March 2013 because an internal failure with the level input jack results in a shock hazard.
- GE Dishwashers: sold March 2006-August 2009, recalled in August 2012 because an electrical failure in the dishwasher’s heating element can pose a fire hazard.
The recall also affects Gree Dehumidifiers, iSi North America Twist’n Sparkle Beverage Carbonation Systems, LG Electronics Electric Ranges, LG Electronics Gas Dryers, Samsonite Dual-Wattage Travel Converters, and Sauder Woodworking Company Gruga Office Chairs.
Find the full list of affected products and remedies here.


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Tolu is a cryptocurrency and blockchain enthusiast based in Lagos. He likes to demystify crypto stories to the bare basics so that anyone anywhere can understand without too much background knowledge. When he's not neck-deep in crypto stories, Tolu enjoys music, loves to sing and is an avid movie lover.
Dogecoin price benefited largely from the Elon Musk Twitter takeover, as the billionaire now looks to take company private.
Billionaire businessman Elon Musk finally closed out a deal to buy Twitter Inc (NYSE: TWTR) for $44 billion. The acquisition comes barely two weeks after Musk first announced his intention to buy the prominent social media platform. In the final hour leading up to the deal’s conclusion, popular meme token Dogecoin (DOGE) was up 15%. This happened after it jumped to 27% following initial reports that Musk and Twitter had officially opened discussions.
By the time the Twitter board officially accepted Musk’s buyout deal, Dogecoin was trading over 20% higher at an intraday price of $0.1711. This may come as no surprise because Musk is a well-known promoter of the dog-themed crypto. In fact, the Tesla Inc (NASDAQ: TSLA) CEO has used Twitter to shill DOGE on several occasions to great effect. Currently, DOGE is also once more among CoinMaketCap’s top 10 largest digital currencies, with a total market value of $22 billion.
Following news of the acquisition, DOGE’s main rival Shiba Inu (SHIB) also spiked 4%.
A New Look for Twitter?
Twitter’s board finally acquiesced to Musk’s offer to buy after rebuffing the billionaire’s takeover attempt a few days ago. Pursuant to the agreement, shareholders of the microblogging platform will get $54.20 per share. According to a Twitter press release, the share price is 38% higher than the closing price on April 1st, the day before Musk disclosed his 9% stake. To begin the week, Twitter’s share price was around $50.65, eventually going up to $52.01 in intraday trading.
Musk, who was initially supposed to join Twitter’s board as its largest individual shareholder, plans to take Twitter private with this acquisition. According to the outspoken businessman, this move is the only way the platform’s core of “free speech” can be preserved. As he put it then:
“Free speech is the bedrock of a functioning democracy, and Twitter is the digital town square where matters vital to the future of humanity are debated.”
Musk also previously highlighted some of the key changes he expected to bring in upon assuming ownership of Twitter. In his own words:
“I also want to make Twitter better than ever by enhancing the product with new features, making the algorithms open source to increase trust, defeating the spam bots, and authenticating all humans.”
Musk Previously Hinted at Twitter Support for Dogecoin
Musk also expressed an interest in accepting Dogecoin as payment for a premium service from Twitter. Back in late 2021, the Tesla and SpaceX chief had stated that the meme token is better suited for payments than Bitcoin (BTC).
To fund the Twitter purchase, Musk earmarked the sum of $46.5 billion in debt and equity financing. Furthermore, Musk had said that his proposed offer almost a fortnight ago was his “best and final.”
Twitter’s top corporate heads did not provide any reason for the decision to turn around and sell. However, CEO Parag Agrawal simply stated that “This is for the best.”
Analysts speculate that Twitter agreed to sell to Musk before reporting its disappointing first quarter.


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New York City has been the epicenter of the COVID-19 pandemic, and now Mayor Bill de Blasio has made remarks considering a phased reopening of the city by the first half of June. When New Yorkers emerge from their homes, they will see an entirely different world, one where social distancing will reshape the landscape of many public areas and commercial spaces.
Though the Big Apple is a ways off from opening its bars and restaurants. One eatery in the Financial District has offered a view into what the post-corona world of the restaurant industry is going to look like.
FOX 5 New York reports the Brooklyn Chop House has redesigned its dining hall with social distancing in mind.
Owner Stratis Morfogen said customers can expect to wear a facemask, eat between dividers, and be screened at the door, all moves that will hopefully limit virus transmission risk.
Morfogen said before the patron steps onto the dining floor, they will be screened by an ultraviolet thermal body scanner.
"The ultraviolet kills anything that's on your clothing," he said.
He said the scanner will take the guest's temperature and if someone registers over 99.7 Fahrenheit, staff would immediately deny them access.
Morfogen also said he's building a second restaurant that will be "contact-free with the staff." Customers at the Brooklyn Dumpling Shop will soon have the ability to order via app or phone and pick up through food lockers. He assured this way there will be "zero human interaction."
In the last several months, we have allowed readers to peer inside what a post-corona world could look like and how public spaces are rapidly changing with social distancing in mind:
- "Social Distancing Walls" - Gym Reveals Future Layout In Post-Corona World
- McDonald's Reveals Future Layout Of Restaurants In Post-Corona World
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- "Disinfecting Tunnels" Are Headed To Supermarkets In Post-COVID World
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- Spanish Beaches Completely Redesigned In Post-Corona World
- Is This The Post-COVID-19 World? Cashiers Work Inside Plastic Tents At Supermarket
Social distancing will completely reshape how consumers and businesses interact in the economy. Welcome to the post-corona world...


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Sky Sports has announced a deal that will give it a direct route to a new generation of viewers.
BlackBerry continues to target business users, but it appears none of them are targeting BlackBerry.
The Sun will charge for online access - following The Telegraph in declaring that paid content is the way forward.
Non-subscribers to The Telegraph's newspaper or tablet editions must now pay to read over 20 articles a month online.
News International has outbid Yahoo and ESPN to show Premier League highlights online and through mobile apps.
A major survey by KPMG has found that 81 per cent of UK web users would opt to go somewhere else rather than pay for content on the internet.
The Times and Sunday Times have now disappeared behind a pay-wall, with the UK's media watching with interest to see what kind of impact it has on one of the world's most famous papers.
If you have ever wanted to read a tabloid in poor quality, gimmicky anaglyph 3D then you are in luck, because News International is planning a 3D version of The Sun next month.
Gordon Brown is certainly doing everything he can to court the music and tech fans and that all-important 'early adopters' vote this week, coming out in favour of BBC 6Music and then, if that weren't an impressive enough move in itself, dismissing the idea of digital paywalls (much beloved of Rupert Murdoch right now) as unworkable.


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According to several experts, the new Ford Fiesta model has been unveiled and its power train options may surprise consumers.
The reports show that the vehicle’s 1.0-liter engine with EcoBoost has won several awards for its performance. The new Ford Fiesta is also poised to impress due to its series of technologically advanced features that will offer drivers of this compact and inexpensive vehicle the safety and luxury only available in more expensive vehicles up until now.
Specialists believe that this new model is fun to drive and exciting when it comes to engine performance. The small car will get 40 miles per gallon, which makes it the leader in its segment when it comes to fuel-economy. According to multiple reports, the new model has also been redesigned to appeal to a crowd that is attracted to vehicles with personality.
For more on this new model and how reliable specialists believe this car is, click here to learn more.


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First Samsung and LG mass produced flexible screens to ship in November
posted by Victor H. / Aug 20, 2013, 8:23 AM
This means that we could have the first actual devices with such displays as early as November 2013. It’s not all science fiction to reality just yet, though - the first flexible screens won’t bend in multiple planes, but only in a single one. That’s still a huge breakthrough and even more so given that this new type of screens is lighter, thinner and unbreakable. Being lighter and thinner are key features to enabling devices with even longer lasting batteries.
Right now, Samsung has a maximum capacity to produce around 1.5 million 5 to 6-inch flexible displays a month. That is at 100% yield, but the actual yields are lower, so the real number is likely around a million. LG Display has an even lower capacity.
Are you looking forward to devices with flexible displays? Analysts predict such devices will reach huge popularity in 2015, but until then they will slowly start getting traction.
“Key to flexible display is to find applications,” HIS researcher Kang Min-soo said. “As it has many advantages, demands will explode if there is a suitable market.”
Posts: 366; Member since: Dec 08, 2010
Nope! Light thinner phones that will get lost or broken faster. What's the purpose of it on a phone? I kind of see it on a tablet as a better option.
posted on Aug 20, 2013, 8:28 AM 3
Posts: 248; Member since: Jun 25, 2011
What is the point of making thinner phones that are uncomfortable to use? Easy to shove them into one's ass.
posted on Aug 20, 2013, 8:31 AM 1
Posts: 1548; Member since: Jun 04, 2013
Flexible displays are great and innovative but i can't figure out a way of proper application of this screen tech on a phone unless all phone's components turn out to be flexible.
posted on Aug 20, 2013, 8:31 AM 10
Posts: 632; Member since: Jul 11, 2013
I believe the benefit is that a flexible display is MUCH less likely to break as a result of drops.
posted on Aug 20, 2013, 8:37 AM 5
Posts: 5611; Member since: Feb 10, 2013
Yep, flexible screens would scratch a lot more than glass. The flexible screens will be under a sheet of gorilla/dragontrail/sapphire glass. So if you drop it the gorilla/dragontrail/sapphire glass will shatter. You just have to replace the glass (quite cheap), instead of both the glass and the screen (very expensive).
posted on Aug 21, 2013, 1:29 AM 0
Posts: 182; Member since: Oct 31, 2011
for starters , adding a flexible screen in a current smartphone chassis would be amazing . point being that you would not have broken screens from simple drops. the physics of the fall would be dissipated through it and not crack or shatter. the next thing would be to make it scratch resistant from pocket lint stuff etc. but honestly , i always put a screen protector on anyways, gorilla glass always suffered scratches too.
posted on Aug 20, 2013, 9:14 AM 0
Posts: 150; Member since: May 03, 2013
What's the need for this? Ok.. Maybe more durable? But what's the need for the flexible screen? Just build the phone with that technology that does not bend. I think it's a waist of time and $$$. I can maybe use it on a watch to form better to the arm. But a phone? No thank you...
posted on Aug 20, 2013, 9:20 AM 0
Posts: 620; Member since: Mar 13, 2012
At this point I'm going to say it's a gimmick. There are uses for this but I think putting it in a phone is limited. Other than they have maxed out screen size and resolution, and hardware is faster than what is needed right now. So what else are you going to do to put yourself in front of everyone else? I don't see this being dependable enough for phones right now. But there will be plenty that want the "new thing".
posted on Aug 20, 2013, 9:56 AM 0
Posts: 26; Member since: Jan 06, 2013
No gimmick...has potential. I'll tell you a benefit of this flexible display. Remember the old blackberry storm or whatever, that you had touch screen, but you had to have pressure on the screen for response in opening a new window or ticking something. Imagine that, no more accidental touch sensitive clicks, would only recognize when you would want to click/open with pressure. lol depends how easily the flex can bend though.
posted on Aug 21, 2013, 8:31 PM 0
Posts: 128; Member since: Jun 08, 2013
Imagination is limitless. Would be nice if can have a pocket-able smartphone that can either fold or unfold the flexible display. Like switching between 4.3 inches to like 6 inches maybe? :D Not going to happen anytime soon though.
posted on Aug 20, 2013, 1:00 PM 0
Posts: 59; Member since: Mar 12, 2012
Soon this technology will start appearing on flexible electronics and gadgets like smartwatches. Resolution is not the selling point here but the flexibility. As what the comment says. Thinner,lighter and unbreakable. This will save consumer from repairs and breaking which the hard display is very prone of.
posted on Aug 20, 2013, 2:28 PM 0
Posts: 44; Member since: Jun 13, 2012
I can see it easily: A multi device that's a small rod. Get a call, pull and extend a rollup flexible screen. Want a larger screen, pull it further for a tablet like experience. Done with it? Push it back into the rod. Wear it like a watch, embed the display on clothes, print a screen on a pair of sun glasses and have a real heads up display that's 10x better than google glass. What's not to love?
posted on Aug 20, 2013, 2:55 PM 0
Posts: 250; Member since: Feb 10, 2012
To you apples aka JackAs's flexible UNBREAKABLE SCREENS. Go look on youtube. Hiring them with hammers rolling over them. A phone screen like that would kill anything competition could make besides their own flexs. Don't see any other manufacturers worth the technology
posted on Aug 20, 2013, 3:23 PM 0
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A popular baby stroller was deemed a “safety risk” by Consumer Reports on Wednesday, citing the carriage’s allegedly faulty brakes.
The consumer testing and watchdog mag slapped Graco’s Ready2Grow Classic Connect LX, which retails for $210, with a “Don’t Buy: Safety Risk” tag.
Consumer Reports found that this stroller’s brakes consistently unlocked when tilted at 18 degrees — which could send carriage and baby rolling down a street.
“We’ve tested more than 160 strollers … and this is the only one where the brake gave way,” said John Galeotafiore, head of stroller testing for the magazine.
A rep for Graco, based in Exton, Pa., said the industry standard for brakes to be secure is 12 degrees, so Consumer Reports was holding the company to an unfair standard.
The company said this model would hold up anywhere — other than perhaps Baldwin Street in Dunedin, New Zealand, which has a world-record, 19-degree slope.
“The testing protocol used by Consumer Reports is unreasonably excessive,” said Ashley Mowrey, Graco’s manager of consumer engagement.
“To put this into perspective, the Guinness Book of World Records lists the steepest street in the world as being at a 19-degree incline and there are only three streets in the world recorded above 18 degrees.”
Despite hitting this Graco stroller with a “Don’t Buy: Safety Risk” tag, Consumer Reports said that company’s carriages are usually among industry’s top performers in safety tests.
The mag even gave a “Best Buy” tag to another Graco stroller, the Fast Action Fold Duo Click Connect, which retails for $280.


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[Video] Gun Sales for 2013 Shatter Previous Records
Guns Save Lives is not supported by ads and is ran as an independent project. If you support this project please consider supporting us on Patreon. Registration takes just a moment and even $1 is a massive help in continuing our work. Thank you so much.
If, as the anti-gunners would have us believe, most Americans support additional gun control, they certainly aren’t showing it with their wallets.
According to recently released data, 2013 shattered the previous sales records for firearms and ammunition sales.
According to NICS background check numbers over 21 million background checks were conducted in 2013. This is up 8% from the previous year and the 11th straight year that number has risen according to the Washington Times.
However, numbers for November and December 2013 were markedly lower than 2012, possibly marking a decline in sales. It is certainly much easier to find most guns in stock now than it was a year ago.
Many consumers may also be waiting to see what new firearms are unveiled at the SHOT Show in January, the largest shooting and hunting trade show in the world and were most manufacturers unveil their new models each year.
It should be noted the number of background checks is likely significantly less than the number of firearms actually sold. Consumers can buy more than one gun per background check and most states will allow carry permit holders to show their permit in lieu of the background check.
According to the Washington Times, industry experts expect firearms sales to take a dip in 2014, but expect ammo sales to remain high as the demand for ammo for all those new guns hasn’t quite caught up with availability yet.
It should be noted that even though gun sales continue to break record after record over the last decade, violent crime and homicides are decidedly down across the country.


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Also in this playlist...
This transcript is automatically generated
We now Bob O'Brien whose expectations -- argue stocks editor for Barron's.
Unlike Bob great to see great to see -- I can't tell you how many stock analysts I've had on -- say.
The markets tapped out if you've gotten into January good for you but if you try to get -- April it's too late but then you look at what happened and Amazon if you bought Amazon early today.
Are very happy -- -- -- can't stay with Expedia of course apple you see what happened there are so the market's not tapped outfitted in a lot.
Ways David the expectations of pessimism are not being realized -- we came into this earnings reporting season.
When people taking down their numbers saying.
We -- corporate corporate profitability -- -- swung only ten out of things like cost cuts.
On keeping wages in check not spending on equipment there -- services.
And you know the fact of the matter is corporate profitability remains very robust we're halfway to the earnings season.
Although -- I have to emphasize -- one of the reasons for that is because they haven't been spending -- on labor they -- -- -- -- they cut labor terribly support of the recession but they never rehired so that's one reason.
Why they have this extra cash and a better bottom line yeah I'm and it's also that.
You know nobody's getting ready so that's why you're seeing that things that are exposed to consumer confidence looking.
A little bit weaker but I look at -- market and I say this is what where there's a lot of pessimism out there.
The servings are saying bearishness is on the rise.
It's still a lot of money on the sidelines we've had something on the order of three trillion dollars will come out of equity mutual funds in in 2012.
That's fuel for another rally in this market OK let's let's drill down specifically within -- -- a because a lot of people like what -- -- -- -- of Amazon is trying to do with that company.
He's sticking to his guns by the -- he's selling products.
Very cheaply to try to get -- a very loyal customer base is that formula working well I don't think so David because I think the -- right now the stock is is really richly priced as if you look at it on a forward earnings basis.
So I wanted to fight to have and -- I wanna think about it selling it first thing tomorrow market manager 5657.
Times that that the future profits.
You compare that with an apple which is got a more dynamic growth rate.
And -- a lot more traction -- treating it like 1516.
Times so I you don't right now I think one of the themes you wanna look for in the market.
It's find some good.
Value stocks if you concern that the market may be ten.
You -- kind of tapped out and that the pessimists are you don't want to something right here.
-- embargo when you say value stocks are -- talking about apple right now hours at your riches well.
No I think Apple's a bargain right now at fourteen -- -- 607 bucks -- -- I know remarkable but look at the profit growth that they're putting up they're paid don't they sold 35 million iphones in this quite a lot of those were in China by the way they say this market has tapped out for their iphones and ipads.
But China's market is still growing and you know we're able to repatriate those that money back into the US with a more -- favorable currency exchange.
It goes right to the bottom line OK quickly growing at about thirty seconds tomorrow we get the GDP numbers -- we see how strong the economy -- When does -- economy the strength of the economy catch up.
-- what the market has been well probably not until the fourth quarter of the year I'm not gonna look for some kind of a blow out number tomorrow.
Fourth quarter we should be approaching about 3% GDP -- still you know.
But better than where we are.
Bob O'Brien good to see you -- David great to see you thanks for coming and coming up in.
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The 2012 Hyundai Elantra took top honors in the most exclusive award in North America when it was named 2012 North American Car of the Year.
A jury of 50 independent North American automotive journalists evaluated each of the new cars introduced last year and chose the 2012 Hyundai Elantra as the winner.
The award was announced at a press conference at the 2012 North American International Auto Show in Detroit, which marks Hyundai’s second win. The Hyundai Genesis won the same award in 2009.
John Krafcik, President and CEO of Hyundai Motor America said: Elantra speaks to the success of our recipe of bold design and great fuel economy.
In a year with some truly breakthrough competitors, we are honored that the jury recognizes Elantra’s far-reaching impact on the industry. added Krafcik.
For his part, Eng. Khaled Issa, CEO of Hyundai UAE said: “Winning this award is a remarkable achievement added to the series of distinguished achievements accomplished by Hyundai during the past years and reflected positively on Hyundai’s sales in the UAE.”
The jurors considered more than 50 new vehicles, before selecting the best car. They judged the cars on a number of factors including innovation, impact on the industry, design, safety, handling, driver satisfaction.
Elantra’s standard fuel economy was positively rated by the US Environmental Protection Agency. These ratings are backed up by the highest owner satisfaction with real-world fuel economy in the compact class.
Elantra is powered by an all-new 1.8-liter Nu four-cylinder engine with 148 horsepower. Elantra is considered as clean as many hybrid electric vehicles. This helps Hyundai meet its environmental commitments.
Most importantly, Elantra is driving traffic to Hyundai showrooms. Elantra’s record 186,361 sales helped Hyundai achieve its record sales of 645,691 units in the U.S. in 2011. Hyundai Motor America posted a 20% increase over 2011 total sales.


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Next month Apple will hold its World Wide Developers Conference where we expect the company to announce iOS 6. And already, some developers are already seeing the next version of iOS pop up in their usage logs.
The logs mean that Apple is testing iOS 6 somewhere within its campus. Apple has likely already tested its own apps on the new version of the mobile OS and now it’s testing high-profile apps on it. Apple tested iOS 5 in a similar fashion last year shortly before its debut at WWDC 2011.
Unfortunately we don’t know what devices Apple was using to test iOS 6. It could be the 4-inch iPhone 5 we’ve heard rumors of, or the company could just be testing the new iOS on the current iPhone 4S. Either way, we probably won’t hear anything about the next iPhone until a few months after iOS 6 debuts.
Recent rumors say Apple is building a new Maps app for iOS 6. The new Maps app will replace the Google Maps map tiles and back-end for an Apple-created back-end and design. The new maps will feature a 3D mode with photo-realistic models.
There are also reports that iOS 6 won’t implement Android-style widgets, though there is still room for more widgets in Notification Center. We don’t know much more about iOS 6 yet, but we do have wish-list of features we’d like to see in the next version of iOS.


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Fastest growth posted by Sainsbury's
The supermarket chain Sainsbury's has emerged as the fastest-growing of the big four grocers so far this year, putting rivals Tesco, Asda and Morrisons in the shade.
Sainsbury's grew its sales by 6.2 per cent over the 12 weeks to 17 March, giving it a 16.9 per cent share of the grocery market, according to Kantar Worldpanel. But Aldi was top dog as it posted an explosive a 30.8 per cent uplift in revenues over the period after cash-strapped consumers flocked to its stores. Waitrose also continued its recent form, with sales up 12.5 per cent.
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The Independent Carton Group (ICG) reports that, despite continued consolidation in the folding carton industry, business growth among its membership remains strong. This is evidenced by the significant investments that ICG members continue to make in their own operations and the strength of their collective buying power.
ICG members are independently owned folding carton converters who do not own, nor are controlled by, a paperboard mill. All members participate in the group purchasing program, which allows them to capture volume discounts on paperboard and other raw materials, as well as supplies and equipment, from over 40 of the industry’s most reputable suppliers.
“Our members are all successful in their own right. Membership in the ICG doesn’t take away their advantages as an independent, but rather further improves their value proposition for customers,” said ICG executive director Jay Willie. ICG programs are aimed at helping members reduce costs, educate employees, apply best practices and implement disaster recovery plans.
ICG members maintain their competitive edge with continued infrastructure and equipment investments. Curtis Packaging (Sandy Hook, Conn.), Wausau Container (Wausau, Wis.) and Accurate Box (Paterson, N.J.) have new Koenig & Bauer Rapida presses. Accurate Box also installed robotic systems in its finishing department. ICG members had the opportunity to see the new equipment in action in November, when Accurate Box served as ICG meeting host.
All Packaging (Aurora, Colo.) added 30,000 square feet to its Salt Lake City facility, filling it with new employees and equipment, including a sheeter, die cutter and multiple folder-gluers. In the Midwest, all three Colbert Packaging (Lake Forest, Ill.) facilities are running new equipment, including a second Brausse die cutter, two Zünd cutting systems, a Signature folder-gluer and a Vijuk insert folder.
Other equipment investments among ICG members include a litho-laminator at El Paso Paper Box (El Paso, Texas), Bobst die cutter at Dee Packaging (Chester, Penn.), windowing machine at Vista Color (Miami, Fla.) and the addition of flexo print stations to the sheeter at Frankston Packaging (Frankston, Texas). Sonderen Packaging (Spokane, Wash.) will soon take delivery of a new eCon sheeter.
Dee Packaging is currently implementing CartonERP as its enterprise resource planning system. Diamond Packaging (Rochester, N.Y.), Accord Carton (Alsip, Ill.), Royal Paper Box (Montebello, Calif.) and Curtis Packaging also made notable IT investments in recent months, ranging from cloud backup and security platforms to next-generation production scheduling technologies.
ICG members collectively represent over 1,400 years of packaging history. This year is a big one for anniversaries, as Dee Packaging turns 100; Accurate Box, 75; Colbert Packaging, 60; and 3C Packaging (Clayton, N.C.), 40. Last year, Zumbiel Packaging (Hebron, Ky.) turned 175; Indiana Carton (Bremen, Ind.), 85; Sonderen Packaging, 55; Vista Color, 50; and Wausau Container, 25.
While longevity alone is proof of members’ ability to meet evolving industry needs, evidence of innovation is also seen in the work they’re doing and in the patents and certifications they hold.
Jones Packaging (London, Ontario) and Diamond Packaging are performing groundbreaking work in the integration of near field communication technologies and folding cartons. All ICG members are also addressing increased demand for anti-counterfeiting and security solutions.
ICG members work hard to earn industry certifications. Many hold certifications for food safety, color consistency and sustainability. Indiana Carton recently exceeded quality standards while earning SQF 8.0 Food Packaging Certification. Dee Packaging and Frankston Packaging are now GMI-certified printers.
The ICG works tirelessly to make sure that its members have access to competitive pricing on raw materials, equipment and consumables as well as learning and networking opportunities and other programs that help them continue to be successful.


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New gaming technology making debut at E3 Expo
Published 6:04 pm, Tuesday, June 15, 2010
LOS ANGELES ? Playing off the success of ?Avatar? and other movies, Nintendo and Sony are incorporating 3-D technology into their gaming hardware, but with approaches that are sizably different.
At the E3 Electronic Entertainment Expo in Los Angeles on Tuesday, Nintendo introduced a hand-held gaming device, the 3DS, which will render 3-D images without the need for glasses.
Sony, meanwhile, played up the power of its PlayStation 3 video game console to display a slew of 3-D games on a big-screen TV.
The 3-D announcements come on the heels of Microsoft's introduction Monday of its Kinect system, a motion and voice detection system that the company hopes will transform not just gaming, but home entertainment.
Nintendo's glassesless 3-D technology, which layers images at different depths, produces a narrow viewing angle that has hampered its adoption in TVs.
Nintendo said almost every major publisher will have games for the 3DS when it launches next year.
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The device also will play 3-D movies from studios such as Disney and Dreamworks. In addition, there are two cameras on the back of the 3DS that allow users to snap 3-D pictures that can be viewed on the device.
Sony, for its part, is leveraging the power of its PlayStation 3 to bring 3-D gaming to life in the living room. The console recently received a software update that enables all 35 million PS3s to display 3-D movies and games. When combined with a 3-D compatible display, the PS3 can render extremely realistic games.
Sony said there will be 20 3-D titles available by March. Many of the games also will work with Sony's new PlayStation Move motion control system, which is to launch Sept. 19 in North America.
Microsoft led off the expo Monday with a news conference about its Kinect system, which will work with the Xbox 360 game console when it goes on sale Nov. 4.
Kinect unlocks full-body gaming with a 3-D camera capturing a user's movements in real time and transforming the motions, even subtle gestures with their hands, into onscreen action. Microsoft said there will be 15 Kinect games at launch with more to come in 2011.
Kinect also enables new social interaction opportunities, including a video chat application.


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The Senate Committee on Health yesterday passed a bill that would require all sodas and other sweetened beverages sold in California to carry a warning label about the possible harmful effects of drinking them.
The warning label would apply to drinks of 75 calories or more per 12-ounce serving and would read: "STATE OF CALIFORNIA SAFETY WARNING: Drinking beverages with added sugar(s) contributes to obesity, diabetes, and tooth decay."
Yesterday's hearing was the first big test for SB 1000 by Sen. Bill Monning (D-Carmel). The bill generated heated discussion and ultimately passed on a 5-2 vote. Read more here.


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The Glades communities are joining the table to talk Lake Okeechobee and they're not happy with some of the solutions for lake discharges…
One person was rushed to the hospital following a shooting in Lake Worth Friday evening, according to the Palm Beach County Fire Rescue.
The Lawnwood Stadium in Fort Pierce was evacuated Friday evening due to a 'disturbance,' according to the St. Lucie County…
A man was rushed to the hospital after being shot in West Palm Beach Friday evening.
Consumer Watchdog Jenn Strathman shows you where you might be dirty dining.
Before you fire up the grill this Fourth of July, we're showing you the hidden problem you need to look for. The Consumer Watchdog…
Drivers are frustrated as paint chips off cars piece by piece. The Consumer Watchdog shows you how to protect your car.
Three restaurants temporarily closed for roaches.


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Jo-Ani Johnson is proving that beauty has knows no age limits.
The 64 year-old made her NYFW debut over the weekend at Tome’s S/S’18 presentation—and stole the show.
The social and environmental responsibile brand featured an array of all shapes ad sizes, to promote inclusivity versus exclusivity on the runway this season.
If you are thinking Jo-Ani looks familiar, it might be because she went viral in the Allure video below earlier this year. Listen to her share more below:
After many attempts to conceal her gray shade, she eventually gave up — and moved on. "Then I met a young man who hated the blonde," she says. "He's now my husband. We just celebrated our 20th anniversary."
"My days are what is given to me and making the best of each and every one of them," she said when asked if she’d change anything. "And I don't know what tomorrow may bring. Some of us don't even get an opportunity to age.”
In a world where there’s a heavy focus on anti-aging, it’s a breath of fresh air to hear someone share why they are embracing their age instead of running from it!
Plus, it’s more receipts that black truly doesn’t crack. Checkmate!
(Photo: Brian Ach/Getty Images For NYFW: The Shows)
TRENDING IN STYLE
For the past 10 years, Yusef has been dictating all of the beauty trends we emulate via his most famous client, none other than Rihanna. He started out his career as a performer, but he ended up behind the scenes. In Hairstory, he details his rise in the industry from aspiring singer to creative directing the hair for Fenty x Puma.


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The subscription model has long brought consumers to movie theaters to spend a night out: MoviePass, for all of its recent challenges, has popularized the idea of movie-tickets-as-a-service available to consumers for a monthly fee. And it laid the foundation for kindred-spirit offerings, enabling subscribers to see just about anything, including pro football games and rock concerts.
That is the approach that INWEGO is taking with its subscription offering for live events. The service allows new venues such breweries and event festivals get exposure, while reducing friction in the process of getting live event tickets into the hands of consumers. INWEGO General Manager Chris LeCraw told PYMNTS.com in an interview that the service is “a simple and flexible way to find new things to do in your city and take[s] the hassle of buying tickets and going with friends.”
To see the events available on the platform, consumers can download an app or visit the company’s website for a preview. In order to claim tickets, which are available in a five-day period leading up to an event, consumers tap a button on the app to reserve a spot. So a consumer could visit the app on Wednesday and book a ticket to see a concert on Friday night. In addition, consumers can invite friends to attend an event through the app, as LeCraw said, noting it’s more fun to go to events with other people.
Whether they attend an event alone or with friends, users can check in to a venue on the day of the event in order to retrieve a mobile barcode to serve as a ticket along with a seat location, if the event has reserved seating: “It acts just like any other mobile ticket that gets you into the venue and into your seat,” LeCraw said. He added that the idea behind the system is to make it as seamless as possible for the consumer to get from his or her couch to the place where he or she experiences the action.
Event Venues And Festivals
For event venues, digital ticketing lessens the burden on staff and the front office, LeCraw said. “They don’t have to worry about dealing with paperwork or checking people off a list,” he said. And, while LeCraw said his company has relationships with sports teams and concert venues, it hits the pavement when the firm launches in new markets by meeting with venues and promoters. Its pitch? The service seeks to help get new fans into venues. (LeCraw said that his data suggests that subscribers are open to trying new things.)
What makes a good event venue for the platform? When the company enters a new city — it recently came to Tampa, for instance — it seeks to cover what is new and exciting in the local area. Those types of experiences could include new festivals, comedy clubs and breweries. At the same time, the company works with big professional sports teams as well as colleges for athletic events. The idea, according to LeCraw, is to provide a wide range of contents to appeal to a broad audience.
When it comes to the company’s target market, LeCraw doesn’t think in terms of ages, instead focusing on life stages. In particular, the company thinks of post-college, pre-kids consumers as its target audience. That group, LeCraw said, has some expendable income but still has the flexibility as well as the time to try out new experiences.
To reward this market, and its other customers, the company has a GoRewards program that gives consumers an allotted number of points when they renew their subscription, which they can pay for via credit or debit card. The points can be used for early access to events along with a priority list if tickets become available after the supply of tickets runs out on the platform.
Overall, the subscription business model is gaining ground: 25 percent of consumers have more subscriptions now than six months ago, according to the PYMNTS Subscription Commerce Tracker. At the same time, the U.S. households’ average subscription renewal rate is 85 percent. That shows that consumers are not only singing up for subscriptions like INWEGO — they are likely keeping them, too.


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It’s not the $335 million in tax cuts he asked for, but Florida Gov. Ron DeSantis Wednesday signed the $121 million tax-cut package lawmakers gave him during the recently concluded legislative session with a commitment “to do a lot more” in coming years.
The package, adopted as House Bill 7123, includes a seven-day “holiday” – May 31 through June 6 – from sales taxes on emergency supplies such as batteries costing $30 or less, tarps costing $50 or less, self-powered radios costing $50 or less and generators costing $750 or less.
Noting Floridians have become “battle-tested” after hurricanes Matthew in 2016, Irma in 2017 and Michael last year, DeSantis said, “Hopefully, we won’t have to use that experience this year” as he signed HB 7123 into law at the 33rd annual Governor's Hurricane Conference in West Palm Beach.
The tax package also includes an Aug. 2-6 back-to-school “holiday” from sales taxes on clothes costing $60 or less, school supplies costing $15 or less and personal computers costing $1,000 or less.
Among its primary features is a reduction in the sales tax from 5.7 to 5.5 percent on commercial leases, otherwise known as Florida’s “Business Rent Tax.” [BRT].
In 1969, the Florida Legislature adopted the BRT, the nation’s only sales tax on commercial leases. The state’s Revenue Department estimates at least 150,000 businesses will collectively pay nearly $2 billion in BRT in 2018.
Momentum to trim or eliminate the BRT has gained traction in recent years. In 2017, legislators passed HB 7109, which lowered the BRT from 6 percent to 5.8 percent.
According Florida TaxWatch, the modest .2 percent reduction – effective since Jan. 1 – saved Florida businesses almost $70 million this year, as will this year’s .2 percent decline.
Although this year’s tax-cut package falls about $50 million shy of last year’s $171 million iteration, the BRT reduction was welcomed by state business organizations.
“Thank you @GovRonDeSantis for signing the tax package! Includes Back-to-School & Disaster Preparedness sales tax holidays + reduction in Biz Rent Tax. Millions of Florida biz owners and families will get needed tax relief and a sales boost for our 270k retailers,” tweeted the Florida Retail Federation [FRF].
“Anytime you can give Floridians some needed tax relief is great,” FRF Senior Director of External Affairs James Miller said later in a statement.
“Today @GovRonDeSantis approved a tax reform package that lowers the cost of living on families and reduces the cost of doing business on job creators,” the Florida Chamber of Commerce tweeted. “Thanks @GovRonDeSantis and the FL Legislature for ensuring FL remains one of the best business and tax climates in the nation.”
The tax plan also provides tax breaks to help with Hurricane Michael recovery, covering building materials, replacement fencing and hurricane debris removal, and a one-year property tax break for farmers who can no longer use their land.
HB 7123 is one of about 20 bills DeSantis has signed into law this week, including 17 on Tuesday. Among them is HB 7121, which creates a public-records exemption for “information that could pose a security threat to the Florida Lottery.”
Critics contend HB 7121 allows the state’s lottery department and vendors to essentially declare everything about its operations – such as technology, manufacturing processes, production, shipping and validation of lottery tickets, even how lottery terminals function – as “information that could pose a security threat.”


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Seven million copies sold on Steam
The future couldn’t be brighter for Fall Guys: Ultimate Knockout. Just three weeks after launching on PlayStation 4 and PC, the online obstacle-course party game has reached two ridiculous milestones.
Sony has called Fall Guys the “most downloaded PlayStation Plus game of all time on a global basis.”
At $20, Fall Guys is a reasonably priced game that intuitively appeals to a large group of people – including folks who aren’t typically clued in – and its silly mayhem is fun to watch, win or lose.
I’m curious to see how this runaway success impacts developer Mediatonic. Who’s calling ’em up?


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Buyer: BlackEagle Partners and Apollo Management
Target: Federal Broach & Machine Co.
Industry: Auto parts
Terms: Purchase price under $50 million
Senior Debt: GMAC
Multiple: Enterprise value/EBITDA=between 4x and 5x
It may not have a fund yet, but the principals of start-up
The deal came out of a busted auction run by W.Y. Campbell & Co. A small, specialized parts maker in a pained industry, Federal Broach & Machine scared off other buyers earlier this year and BlackEagle began negotiations in May. Terms of the transaction weren’t disclosed.
“People got spooked by the automobile aspect and then we came in,” says BlackEagle Managing Partner Mike Madden, whose firm’s track record was established earlier at turnaround investment shop
Harrison, Mich.-based Federal Broach & Machine, founded in 1952,has operations in Michigan, South Carolina and Florida. It generates less than $50 million in annual sales, according to BlackEagle. Its main business is making broach machines to cut metal parts, as well as tools that cut ring gears used in automotive transmissions.
BlackEagle plans to improve the company’s product quality, its capacity to produce its machines, and its timeliness in meeting orders. The company should also get a lift by the growing popularity of six-speed transmissions, which require three ring gears instead of two, says Jason Runco, a partner at BlackEagle. Federal Broach & Machine is one of the few companies that make machines that cut ring gears.
Two sons of the founder, William and Robert Martin, have built the business up and will be staying on to manage it. According to Runco, it was in part the good rapport that his firm built with the Martins that sealed the deal for BlackEagle. And that’s a good thing, he says, since on this deal, like any other involving a family-owned, middle-market business, “We’re going to be chained together like two convicts in a swamp.”
BlackEagle, a team that includes three former Questor Management pros, has been trying to raise its fund for over a year. The firm is trying to lock down a lead investor to the tune of between $30 million and $50 million, says a person familiar with the matter.
Madden and his team left Questor in early 2005 and originally called the firm Centurion Capital Partners before deciding on BlackEagle. At that time it was trying to raise a fund between $300 and $400 million, as reported in Buyouts. The firm has lowered its sights some, now aiming for between $250 million and $300 million with help from placement agent Probitas Partners. Questor itself has question marks surrounding its own fundraising plans after the recent departure of its head of fundraising, Jim Griffin.—M.C.


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GenTrust LLC continued to hold its position in The Trade Desk Inc. (NASDAQ:TTD) during the second quarter, according to its most recent disclosure with the Securities and Exchange Commission. The institutional investor owned 6,800 shares of the technology company’s stock at the end of the second quarter. GenTrust LLC’s holdings in The Trade Desk were worth $341,000 at the end of the most recent quarter.
Several other institutional investors also recently added to or reduced their stakes in TTD. Wexford Capital LP raised its position in The Trade Desk by 0.5% in the first quarter. Wexford Capital LP now owns 19,879 shares of the technology company’s stock worth $740,000 after buying an additional 100 shares in the last quarter. Strs Ohio raised its stake in shares of The Trade Desk by 100.0% in the first quarter. Strs Ohio now owns 3,400 shares of the technology company’s stock worth $126,000 after buying an additional 1,700 shares in the last quarter. Nationwide Fund Advisors raised its stake in shares of The Trade Desk by 181.5% in the first quarter. Nationwide Fund Advisors now owns 2,829 shares of the technology company’s stock worth $105,000 after buying an additional 1,824 shares in the last quarter. Whittier Trust Co. acquired a new stake in shares of The Trade Desk during the first quarter worth $103,000. Finally, TIAA CREF Investment Management LLC raised its stake in shares of The Trade Desk by 18.1% in the first quarter. TIAA CREF Investment Management LLC now owns 19,822 shares of the technology company’s stock worth $738,000 after buying an additional 3,033 shares in the last quarter. 53.08% of the stock is currently owned by hedge funds and other institutional investors.
Shares of The Trade Desk Inc. (NASDAQ:TTD) traded up 2.36% on Friday, hitting $49.51. The company had a trading volume of 1,372,148 shares. The Trade Desk Inc. has a 12 month low of $22.00 and a 12 month high of $57.87. The stock has a market cap of $2.02 billion and a PE ratio of 45.72. The company has a 50-day moving average of $52.15 and a 200 day moving average of $44.47.
The Trade Desk (NASDAQ:TTD) last announced its earnings results on Thursday, August 10th. The technology company reported $0.44 earnings per share for the quarter, topping the Zacks’ consensus estimate of $0.15 by $0.29. The Trade Desk had a net margin of 13.92% and a return on equity of 26.34%. The company had revenue of $72.80 million during the quarter, compared to the consensus estimate of $68.02 million. The Trade Desk’s quarterly revenue was up 54.2% on a year-over-year basis. Analysts anticipate that The Trade Desk Inc. will post $1.44 EPS for the current fiscal year.
TTD has been the topic of a number of analyst reports. Zacks Investment Research lowered The Trade Desk from a “hold” rating to a “sell” rating in a report on Wednesday, April 26th. Royal Bank Of Canada lifted their price objective on The Trade Desk from $45.00 to $56.00 and gave the company an “outperform” rating in a report on Friday, May 12th. Susquehanna Bancshares Inc reaffirmed a “positive” rating and issued a $60.00 price objective (up previously from $41.00) on shares of The Trade Desk in a report on Friday, May 12th. Needham & Company LLC lifted their price objective on The Trade Desk from $48.00 to $56.00 and gave the company a “buy” rating in a report on Friday, May 12th. Finally, Cantor Fitzgerald upgraded shares of The Trade Desk from a “neutral” rating to an “overweight” rating and lifted their price target for the company from $45.00 to $56.00 in a research report on Friday, May 12th. One investment analyst has rated the stock with a hold rating, eight have assigned a buy rating and one has assigned a strong buy rating to the company. The company presently has a consensus rating of “Buy” and an average target price of $56.00.
In other news, insider Venture Strategies Fund I. Ia sold 3,186,017 shares of The Trade Desk stock in a transaction that occurred on Tuesday, May 30th. The shares were sold at an average price of $50.05, for a total transaction of $159,460,150.85. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which is available at this link. Also, Director Kathryn E. Falberg purchased 20,000 shares of the stock in a transaction dated Thursday, June 15th. The shares were acquired at an average price of $48.06 per share, with a total value of $961,200.00. Following the transaction, the director now owns 40,000 shares in the company, valued at $1,922,400. The disclosure for this purchase can be found here. Over the last ninety days, insiders sold 4,939,884 shares of company stock valued at $251,064,987. Insiders own 26.87% of the company’s stock.
The Trade Desk Company Profile
The Trade Desk, Inc is a technology company. The Company provides a self-service platform that enables clients to purchase and manage digital advertising campaigns across various advertising formats, including display, video and social, and on a range of devices, including computers, mobile devices and connected television.
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After a stint of frugality, Americans have returned to their borrowing ways. But are they getting into the kinds of debt trouble that lead to recessions?
U.S. consumers now owe roughly $12.73 trillion to banks and other lenders for mortgages, car loans and credit card spending, according to the New York Federal Reserve. That exceeds even the total before the last financial crisis.
Economists generally say people's willingness to borrow is a good thing, because it shows they're more confident about their financial futures. And the economy is in far better shape than a decade ago, when economists called the debt unsustainable and the housing market crashed. That's not the concern now.
"Some of us are worried that consumers are going back into old habits, but the U.S. consumer is in a much different position before the financial crisis and even before in the late 1990s," said Ryan Sweet, an economist with Moody's Analytics who is not related to the AP reporter.
Gone are the worries about second homes financed with no-money down mortgages. The stress points now are in three main categories: auto loans, credit cards and — to a greater extent but for different reasons — student loans.
"If it's not a tool you can use to build stability and long-term net worth, debt leads to more problems than it can solve," said Todd Christensen, a credit counselor with the nonprofit organization Debt Reduction Services.
Not all debt is considered equal, and both mortgages and student loans have typically been considered ways for people to leverage themselves into a better life. A home loan historically has been a way for middle-class Americans to build wealth, while student loans helped people get better-paying jobs.
Student loans have become a source of concern, though, as they become a greater proportion of the debt Americans owe — and those debts are not being paid back. In 2007, student loan debt was less than 5 percent of the debt Americans owned. That figure has more than doubled in 10 years to nearly 11 percent.
As college costs have risen and student loans get larger, the amounts that are delinquent have been increasing. Americans currently have $1.34 trillion in student loan debt, of which 10.98 percent is 90 or more days past due. That's up from 6.85 percent of loans 10 years ago.
"Student loans are a place to keep an eye on," Sweet said as a potential long-term problem for the U.S. economy.
Delinquent student loans can hurt a person's credit score, and affect the ability for a first-time buyer to qualify for a mortgage. That could become a bigger problem as millennials enter their prime years to become a homeowner.
Dallas resident Taylor Green, 29, is using debt strategically. Green, who works in finance, recently opened a credit card to help him and his fiancé pay for their wedding. He hopes to use the points he earns from that to then help cover the cost of a trip to Europe.
"We both have good, stable jobs with decent security, so we are a more comfortable taking on the debt," Green said. "But we want to pay this debt down as fast as we can once the wedding is over."
Green says he also has significant student loan debt, which is in forbearance, that he plans to tackle aggressively once the wedding is over.
Americans have been on a car-buying binge, as automakers sold a record 17.6 million cars last year to beat the level set a year earlier. People are also borrowing more money to buy their cars and are financing them for longer periods of time.
The average length of a new car loan is around 62 months, compared to 55 months before the Great Recession, according to the St. Louis Federal Reserve. And delinquencies in auto loans have been inching higher as well. The percent of auto loans 90 or more past due has climbed for 13 straight months, to 2.30 percent of all loans. Five years ago, that figure was 1.63 percent.
Most of the delinquencies in auto loans have been concentrated around subprime borrowing, which has become more accessible to consumers in recent years. Americans with credit scores of less than 620, which is typically considered subprime or deep subprime, owe roughly $280 billion in auto loans — exceeding their pre-recession peak set in 2007, according to the New York Federal Reserve.
But economists don't believe that if those loans go bad that it would pose a risk to the U.S. economy, like subprime mortgages did in 2007. The entire auto loan industry is $1.17 trillion, compared with the $8.63 trillion mortgage market.
Of the three worry spots, credit cards are often seen as the most toxic of debts. They're easy to accumulate, generally used to buy non-wealth generating consumer goods and often have the highest interest rates.
Americans are carrying less credit card debt then they did before the Great Recession, but have re-embraced using them. Credit card debt has risen from $659 billion in 2014 to $746 billion last year, according to data from the New York Federal Reserve. Meanwhile, after years of trending lower, Federal Reserve data shows credit card delinquencies have reversed course and are climbing again — albeit still from relatively low levels.
Banks are seeing the same trend. JPMorgan Chase, one of the nation's biggest credit card issuers, had to set aside slightly more money to cover bad credit card debts in the most recent quarter. American Express, which historically has some of the lowest default rates because its customers tend to be well-off, also saw those rates rise slightly in its U.S. card business last quarter.
"It's worrisome, but at the same time, it was also inevitable," said Matt Schultz, senior industry analyst with Creditcards.com, a division of Bankrate.com. "There's only so much credit card debt Americans can hold before they get into trouble."
Another specter over those who are carrying higher credit card balances: interest rates.
With the economy in good shape, the Federal Reserve has started raising interest rates. But unlike mortgages, most auto loans and student loans, credit card rates are variable, and can move higher as the prime rate does. So that 15 percent rate on a credit card balance has moved up to 16 percent. How much small changes will affect people's ability to pay isn't clear, but Schultz is watching closely.
"Delinquencies will rise as interest rates rise. I don't know what the tipping point will be for the consumer is, but it's going to be fascinating to watch," he said.
© Copyright 2023 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Microsoft co-founder Bill Gates has acknowledged that leaving Android as the standard non-Apple mobile platform was his "greatest mistake ever." The 63-year-old executive underlined that while Microsoft is still a "very strong" entity, it would be "the leading company" instead of "a leading company" if it had managed to recognise and take on the Android onslaught. Gates expressed his disappointment while speaking at an event hosted by early-stage venture capital firm Village Global. Interestingly, Gates didn't blame Steve Ballmer as the culprit for the Android debacle, though many believe that it was Ballmer who largely brought the Redmond company to the failures in the mobile platform market.
"In the software world, particularly for platforms, these are winner-take-all markets," said Bill Gates in the interview, which has been released on YouTube. "So the greatest mistake ever is whatever mismanagement I engaged in that caused Microsoft not to be what Android is."
"That is, Android is the standard phone platform -- non-Apple platform -- that was a natural thing for Microsoft to win. It really is winner take all," he added.
Elaborating further the opprobrium, Gates mentioned, "If you're there with half as many apps or 90 percent as many apps, you're on your way to complete doom. There's room for exactly one non-Apple operating system, and what's that worth? $400 billion (roughly Rs. 27,76,500 crores) that would be transferred from company G to company M."
During a little over an hour-long conversation, Gates did underline the success of products such as Windows and Office that have helped Microsoft reach new levels over time. However, he expressed that due to the lack of bringing a platform like Android and missing the opportunity of powering an operating system against Apple's iOS, Microsoft is still "a leading company" not "the leading company."
"If we've got that one [Android opportunity] right, we would be the company," he said.
Android, which was originally developed in Palo Alto, California was acquired by Google in July 2005 for around $50 million (roughly Rs. 347 crores). The search giant initially didn't reveal its plans of leveraging the acquisition to build a compelling operating system. However, a team was formed by Android co-creator Andy Rubin who brought the original shape of the mobile platform based on the Linux kernel.
While Google was busy with its Android project, Microsoft was handling its Windows Mobile that was succeeded by Windows Phone in late 2010. However, in 2017, Microsoft announced the formal closure of its latest Windows Phone version, which was then Windows 10 Mobile, majorly due to growth of Android that overshadowed the Windows platform.
Microsoft former CEO Steve Ballmer amongst the key faces initially pushing Windows Phone hard against Android. However, in 2015, Ballmer even insisted that Windows Phone need to have Android app compatibility in an effort to catch up.