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Save the Big Banks: Screw the Little Guy November 13, 2008Posted by rogerhollander in Economic Crisis.
Tags: Bank of Canada, Bank of Montreal, Bank of Nova Scotia, Canada Banks, canada credit cards, Canada NDP, Canadian Bankers Association, consumer debt, Credit Canada, credit card debt, credit card interest, credit card interest charges, credit card interest rates, economic crisis Canada, interest rate increase, Jack Layton, MasterCard Canada, MasterCard interest rate, roger hollander, Stephen Harper, Visa interest rate
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Just as the federal government is moving to spend $50 billion more to entice Canadian banks to keep lending, many customers are getting hit with higher credit costs.
For example, Toronto-Dominion Bank – which has skirted the worst of the credit crisis – is the latest lender to toughen up key conditions of its credit card agreements.
The changes, effective Dec. 1, will drive up interest rates for most Visa customers who miss two consecutive minimum payments. Customers who take 30 days beyond the payment due date to make the minimum payment will pay interest at 24.75 per cent, a five percentage point jump.
“The changes align with the pricing practices of our competition,” a TD spokesperson said.
The trend is another headache for struggling consumers like Hayley Moffat. She started racking up credit card debt after she graduated from college five years ago and now finds herself among the many with out-of-control debt loads.
“I just got into the habit of putting everything on credit because I wasn’t making enough money to either buy groceries, or pay my bills, or do all the normal sort of things that I thought you should be doing,” said the 25-year-old funeral director.
“And it just kind of accumulated and it was like a snowball effect over the last few years. I paid it down to a manageable amount, but then life happens, life throws things at you, and then it got back up again.”
Moffat’s debt load became unwieldy about a year ago when her bank cancelled her credit line after it reassessed her creditworthiness, even though she says she had never missed a payment.
She couldn’t pay off the $7,000 balance, so she put it on one of her credit cards, which carried a much higher interest rate. That pushed the balance on her credit card so high the interest charges kept putting her over her credit limit, prompting hefty surcharges on top of her regular monthly payments.
With the help of a credit counsellor, Moffat is now trying to negotiate with creditors to get a handle on her debt, which includes $13,000 on a bank-issued Visa card and $2,000 on a furniture store card.
TD is following in the footsteps of the Bank of Nova Scotia, which revised grace periods and increased fees that apply to its Visa cards. As of May, its “interest-free grace period for new purchases” was reduced from 26 to 21 days.
Last week, Canadian Tire Corp. said it is lowering credit limits for some inactive customers’ credit cards because it is worried some who have tapped out their other credit may turn to Canadian Tire cards.
The tighter credit measures come at a time when the Bank of Canada, which sets rates for loans to financial institutions, has slashed its key rate to just 2.25 per cent in a bid to generally ease debt costs and stimulate the flagging economy.
Bank of Montreal, which issues MasterCard, has not made any changes to cardholder agreements this year. Royal Bank of Canada altered some terms of its Visa cardholder agreements in 2005, a spokesperson said.
Laurie Campbell, executive director of non-profit credit counselling service Credit Canada, said consumer debt loads are out of control.
“We’re seeing lines of credit, mortgages, payday loans, credit cards, absolutely, lots of credit cards. And really people that perhaps got into the housing market that really shouldn’t have gotten into the housing market and then have relied on credit to makes ends meet,” Campbell said. Some people are simply “living on the edge.”
According to the Canadian Bankers Association, there are about 64.1 million Visa and MasterCard cards in circulation in Canada. As of July, there were more than 65 “low-interest” card products with rates of 13.9 per cent or lower on the market. The association also notes 73 per cent of households pay their credit card balance in full each month. That statistic, however, is from 2005.
The Financial Consumer Agency of Canada acknowledged yesterday there is a need to “simplify” credit card documentation.
“Consumers may have trouble reading the fine print in credit card application forms because they find this information too dense,” said commissioner Ursula Menke.
The agency, along with MasterCard Canada, designed a “model plain language application form.” Said Menke: “The next step for both organizations will be to share these findings with members of the industry and encourage them to review their documentation and to consider using some of the best practices outlined in this model.”
During the recent federal election campaign, the NDP vowed to cap credit card interest rates at 5 per cent above prime while banning ATM fees.
NDP Leader Jack Layton again brought up the issue of interest rates in a meeting last night with Prime Minister Stephen Harper.
Layton said he told Harper if the banks and other large corporations are on the receiving end of federal help, consumers deserve something as well.
“There’s all kinds of help being given to companies right now,” Layton said.
“But people are still being gouged with interest rates that are outrageous, with hidden charges.”
- With files from The Canadian Press
The Crisis: A Canadian’s Perspective October 29, 2008Posted by rogerhollander in Economic Crisis.
Tags: Banking Crisis, Black Friday, Black Monday, economci crisis, economic crisis Canada, economic crisis McCain, economic crisis Obama, great depression, labor, New Deal, regulatory banking, roger hollander, self-regulating markets, stock market crash 1929, thomas walkom, unemployment, wages work, Wall Street
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Nineteen twenty-nine is the year no one wants to mention. We compare what is going on now in world stock markets to 1987′s so-called “Black Monday,” or perhaps to the Asian crisis of the late ’90s.
We desperately don’t want to draw comparisons to the granddaddy of them all, the stock market collapse that occurred 79 years ago this month. The implications are too grave.
The crash of ’29 wasn’t just a stock market bust. It was the trigger for 16 years of misery. In North America, it led to mass unemployment. In Europe and Asia, the depression it sparked laid the foundation for world war.
The lives of an entire generation were scarred.
Yet there are real points of comparison between the events of 1929 and those roiling world markets today. The two are not identical. Indeed, optimists can take heart at the fact that stock declines to date have not yet matched those of the 1930s depression.
Still, there are eerie and unsettling similarities.
Then, as now, the world economy was beset by fundamental imbalances. In the ’20s, the world’s premier imperial power, Britain, was politically strong but economically hobbled. Today, the U.S. plays the role of the weakened imperial lion.
Militarily, America remains ferocious. But in economic terms, it suffers from a multiplicity of weaknesses – a trade deficit that has sent middle-class jobs abroad; a fiscal deficit that relies for financing on the good will and confidence of foreigners; a savings deficit that has encouraged ordinary citizens to borrow beyond their means.
In 1929, like today, the self-regulating markets that were supposed to keep the economy in equilibrium only accentuated the crisis. Then too credit markets froze and commodity prices tanked. In 1929, prices of commodities such as wheat and minerals were already low (a singular difference from today). But as Charles Kindleberger writes in his masterful history of the period, The World in Depression: 1929-1939, the crash of ’29 accentuated this trend, driving down, among other things, the value of the Canadian dollar.
Then, as now, attention focused on the markets. Politicians railed against the greed of speculators and vowed tough new regulations.
But then too, there was too little heed paid to the real economy of wages and work. Political leaders, while acknowledging that the crisis was forcing government finances into deficit, kept trying to balance the fiscal books, thereby making matters worse.
No leader, including then U.S. president Franklin Roosevelt, was immune. Indeed, most historians reckon that it was not Roosevelt’s flawed New Deal recipe of public works that pulled America from depression but World War II.
“Often, no one in authority had any positive idea of what to do and responded to the disaster in … policy clichés,” writes Kindleberger.
And so it seems today. In the U.S., both presidential candidates propose populist non-solutions: Barack Obama wants to save the middle class in some unspecified way; John McCain promises to get tough with greed.
In Canada, the federal government focuses on the country’s financial sector rather than the economy at large, arguing on the one hand that the banks are strong and on the other that they need massive government aid.
Internationally, there are meetings. The great economic powers – Europe, Japan, China and the U.S. – are not yet at odds with one another. Yet neither are they pulling together to mitigate the recessionary forces now careering around the globe.
That too is eerily familiar.


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29 January 2016, Lagos – The management of Eko Electricity Distribution Plc (EKEDP) on Friday said it had commenced the enlightenment of all consumers within its zone on the new electricity tariff.
Mr Oladele Amoda, the EKEDP Chief Executive Officer, told the News Agency of Nigeria (NAN) in Lagos that he led a management team to Agbara, Ojo and Badagry for the enlightenment.
Amoda said a second team led by the company’s Chief Operating Officer, Mr Sam Nwaire, went to Suru-Lere, Mushin, and Ijora areas of the state, for the same purpose.
The Nigerian Electricity Regulatory Commission (NERC) had in December 2015 released a new tariff order that scrapped fixed charges, but increased energy charges by over 60 per cent.
Amoda said the company’s intensive enlightenment drive was in conjunction with the NERC’s directive to intensify consumer enlightenment on the new tariff, to provide for its justification.
“We have gone back to meet the consumers, to let them know what the tariff will look like and what we are going to do with the increment.
“After deliberating on this issue, the consumers were impressed with the reason behind the new tariff and assured us that they would pay, if electricity supply is regular,’’ the EKEDP chief said.
According to him, residential consumers with single phase meter who are presently paying N15 per kilowatt will start paying N24 from Feb. 1, while residential consumers with three phase meter will pay N25 per kilowatt.
Amoda explained that the increment would provide the company with money to change some of their obsolete equipment.
He said the management team would take the campaign to Apapa and FESTAC Town on Feb. 3, while Feb. 5 had been scheduled for Victoria Island, Ikoyi, Lagos Island, Lekki, Ajah and Ibeju-Lekki.

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The Guardian Small Business Network, in association with Lloyds TSB, is a new dedicated community through which business leaders can access fresh thinking and expertise on the challenges and opportunities they face in today’s business climate.
The site will give members access to live Q&As with experts, dedicated content hubs on key business issues, regional seminars and the chance to showcase their innovative working on the Guardian website by entering the Best Practice Exchange.
The Guardian Small Business Network is the latest addition to Guardian Professional’s growing portfolio of networks for professional sectors. Membership to all of the network is free and will give SMEs a first-look at upcoming events inspiring content and valuable resources.
Launching the network today, Andrew Miller, chief executive officer, Guardian Media Group, said: “This is a crucial time for SMEs, and the Guardian Small Business Network aims to provide enterprises with the resources and insight they need to help drive their businesses forward.
“Our professional networks have now attracted nearly 200,000 members and are a fantastic way for the Guardian to engage with our online users as part of our digital-first and open strategies.”
Stephen Pegge, director of SME markets, Lloyds Banking Group, said: “We want to ensure that, as well as supporting SMEs with their banking needs, we are providing the guidance they need in order to prosper and grow. That is why we are pleased to be supporting the Small Business Network, which will be a valuable source of information for businesses across the UK.”


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First Bank, Fidelity Bank resumes Naira card transactions abroad
• Set spending limit at $1,100
First Bank of Nigeria Limited in its drive to promote convenience and ease of business for customers has raised the limits on international transactions on Naira Cards to $1,100 monthly across ATMs, PoS, and online channels, with the daily ATM withdrawals raised to $300.
Similarly, Fidelity Bank Plc said it has resumed international transactions on debit cards, with a raised monthly international spend limit on its Naira Visa Credit and Debit Cards to $1,000.
First Bank in a statement in Lagos, said customers can now enjoy increased access to funds using the FirstBank Naira Master Cards, Naira Prepaid, and Naira Credit Cards for international payments.
It however, pegged the monthly limit for points of sale (PoS), online transactions, and customers in UAE, and China to $250.FirstBank and Fidelity Bank said the new international spend limits are coming on the heels of increased availability of foreign exchange in the economy, a fall-out of various economic recovery measures put in place by the Central Bank of Nigeria (CBN).
FirstBank encouraged its customers to continue to leverage FirstBank’s dollar denominated credit and prepaid cards even they also enjoy the raised transaction value on the Naira Cards. “FirstBank remains committed to meeting the banking and financing needs of its customers, providing world class services and expertise whilst ensuring the security of customer funds,” it added.
Fidelity Bank on its part also said the resumption of allowing its Naira debit cards for foreign transactions, is in response to customer needs and the improved foreign exchange liquidity in the banking system. The development is coming as an affirmation of positive outcomes of the recent series of reforms in the foreign exchange market.
“We are pleased to remove the restrictions on international transactions on Fidelity Visa Naira Credit and Debit Cards.“It was important for us to take advantage of the slight ease in sourcing foreign exchange to do this in order meet with the yearnings of our teeming customers,” the bank’s Chief Executive Officer, Nnamdi Okonkwo, said.
The bank in a message to customers, said that international transactions on Fidelity Visa Naira Credit and Debit Cards will now be subject to the following limits- Visa Naira Debit Cards (POS/Web only) equivalent of $1000 only; Visa Naira Credit Cards (ATM/POS/Web) equivalent of $1,000 only.
It explained that the window of opportunity with international transactions is only available to Visa Naira Credit and Debit Cards, and reminded customers that charges on credit cards are dependent on the acquirer and ATM used, while POS/Web purchases attract no charges.
“We encourage customers to always insist on being billed in the currency of the county in which the purchases are made especially, POS payments in order to avoid attracting additional charges” Okonkwo added.
Analysts said the developments are sequel to the inauguration of the Investor’s and Exporter’s window, which today has exceeded $3 billion transactions, with CBN contributing less than 30 per cent of the value.
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I have a Ford Transit Sport, 2012, (Mk 7, old style) and now out of warranty. It’s had a few issues, the oil pump being one, which I gather isn’t unusual on Ford Puma diesel engines of a certain age. Plus it has gone through two EGR valves, a whole air intake manifold, and a […]
For Ford of Britain’s centenary, the Ford Transit team has released 180 special edition Transit SportVan models in a smart new livery – metallic silver and graphite.
With the Ford Transit reaching its 45th year as Britain’s best selling van, Ford is releasing 100 special edition Transit SportVan models in distinctive red livery.


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Apple, Samsung, Google and Microsoft are working on some kind of nifty newness that is called Smartwatch. It has not arrived on the market yet but it arouses curiosity whether it will become a multibillion dollar market or not. How much money will it cost and will it be worth this money? How will it be used? And, what is it so cool and new about smartwatch?
According to Wikipedia, definitions for a “patent troll” include one or more of the following:
- Purchases a patent, often from a bankrupt firm, and then sues another company by claiming that one of its products infringes on the purchased patent;
- Enforces patents against purported infringers without itself intending to manufacture the patented product or supply the patented service;
- Enforces patents but has no manufacturing or research base;
- Focuses its efforts solely on enforcing patent rights;
- Asserts patent infringement claims against non-copiers or against a large industry that is composed of non-copier.
Patent trolls are to patent law what ambulance chasing lawyers are to personal injury law. While patent enforcement has always been a big business, the recent wars between Apple and Samsung have brought a great deal of attention to this part of the law.
In a recent Forbes article written by Cheryl Milone, the founder and chief executive of Article One Partners, entitled A Powerful New Weapon Against Patent Trolls, relief may finally be on the way. The America Invents Act patent reform law, which passed last year, contains a little-known feature that will soon give companies a lot more ammunition for shooting down patent troll lawsuits.
A critical determinant for patents is what is known as “prior art”. Prior art means any previous patent, technical paper, or public knowledge or use of an invention that makes it ineligible for a patent. Under the law, a patent may be issued only if an invention is useful, novel (i.e., not previously known or described), and nonobvious—meaning, not an obvious outgrowth of an existing technology. An examination of prior art determines whether an invention is novel and nonobvious.
As a result of the America Invents Act, after March 16, 2013, the following changes become affective which will redefine the application of prior art and have a dramatic impact on existing patents:
- Unpublished patent applications: For the first time, unpublished patent applications, i.e., applications pending in the USPTO system for less than 18 months, can invalidate a later patent if these contain prior art that anticipates the invention.
- Foreign patents and applications: For the first time, foreign applications and patents can also invalidate a later U.S. patent, if they contain prior art that anticipates the invention. According to Gene Quinn, of the influential IP Watchdog blog, “Foreign patents and applications will now make it much easier to challenge issued U.S patents.
- Public use anywhere in the world: The biggest new source of invalidating prior art involves “on sale” or “public use”—i.e., has an invention been previously used, offered for sale, or publicly disclosed?—which is being expanded from the U.S. to cover the entire globe. This means that even a seminar discussion about some interesting new technology at an engineering conference in Korea or China, presented in the Korean or Mandarin language, will be able to kill a U.S. patent on that technology acquired later.
Cheryl’s article provided some great insight into some of the most significant changes to hit the patent landscape in almost a century. We will report further on the topic next year after the changes go into affect. We anticipate a great deal of creativity from the legal community in this area.
In a recent CNET article written by Don Reisinger entitled:Apple: DOJ has Samsung’s standard-essential patents in its sights, Apple has revealed that Samsung is being investigated by the U.S. Department of Justice for the manner in which Samsung has used (or misused) its declared essential patents.
Standard-essential patents are handled differently than regular patents. When a company’s patents are deemed standard and essential, it must offer them on a fair, reasonable, and nondiscriminatory (FRAND) basis. Apple has argued time and again that some of Samsung’s wireless patents, which have been deemed standard-essential, are being offered on unfair terms, stifling competition.
Can anything stop the new Galaxy S3 from working? In a CNET article written by Don Reisinger entitled:Samsung: Don’t blame the Galaxy S3 for burning up, Samsung announced that the Company’s recently released Galaxy S3 Smart Phone has been exonerated following an earlier report of the phone burning up.
Last month, an Ireland based forum poster reported that the phone was sitting in a “car mount when suddenly a white flame sparks and a bang came out of the phone” and that the device “burned from the inside out” and melted its case.
What we found to be more interesting than the reported fire problem was that the phone kept on working but had lost its signal. Could this be Samsung’s response to the Eveready Battery?
Samsung hired a third-party organization, Fire Investigations U.K., to inspect the damaged device. That investigation found that the trouble with the phone occurred only after the device had been exposed to an energy source which was used to heat the phone and ultimately caused the damage. The conclusion was that the phone had been placed in a microwave oven.
Our compliments to Galaxy and its new S3 for demonstrable durability and reliability!
CNET has just released their review of he UK version of the Samsung Galaxy S3. An article written by Jessica Dolcourt entiled: CNET UK’s Samsung Galaxy S III Review: “Ferrari of Android” sings high praises for the 3rd generation Galaxy Android phone.
For all the technology savvy lawyers seeking to take their law office on the road, the Galaxy S3 is worth some very serious consideration. The phone sports a Quad Core processor and runs the new Android Ice Cream Sandwich version of the OS. The phone is HUGE with gorilla glass sporting a 4.8 inch 720p screen.
The only bad news is that the phone first goes on sale in the UK on May 30th but won’t be available until sometime in the summer in the United Sates.
For further information about the phone, take the time to watch this video


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Cyberpunk 2077 has to be one of the most awaited RPG games there ever has been. What’s all this hype about?
CD Projekt Red’s next game, Cyberpunk 2077, has developed a huge fan base even before coming out. The game is based on the 80’s game Cyberpunk 2020 developed by Mike Pondsmith. It has been in development for almost a decade now and counting for days, if not months, since the last date it was postponed.
CD Projekt Red has never disappointed with its Witcher series, setting the stakes very high for the upcoming RPG game. The first trailer of Cyberpunk 2077 was first released seven years ago, and the hype behind the game has been increasing since then.
In 2019, Keanu Reeves announced that he would be a part of this game at the Xbox conference in 2019. On the same day, another trailer was released, which left the audience star struck. Keanu also said that the game would be out on April 16th this year.
However, the release date was then postponed to September 17th. Now, finally, the release date has been set to December 10th. It has to be one of the biggest build ups we’ve ever seen to the release of a game. For now, fans are hoping that the game will come out on the 10th of this month.
The hype has been overwhelming now to the point where individual developers have received death threats. (That’s a bit too much guys, how about we keep the killing to the game, yeah?)
Sneak Peak in Game
Cyberpunk 2077 is set in Night City, North Carolina that has an impressive reputation for many reasons. It was voted the worst city to live in. It has the highest terror levels, and almost everyone lives under the poverty line.
The game starts as the protagonist and his partner in crime stealing “the chip” for Dex, a character in the game. This chip is not just any computer chip; it grants immortality to its user.
The protagonist will then be accompanied by Johny SIlverhand, portrayed by none other than Keanu Reeves. That’s the only part of the storyline we know till now.
Coming to the gameplay, Cyberpunk 2077 has too many options to select. The player can design their character however they wish. They meant it when they said design, though; you can choose the smallest detail of your name and make your dream-protagonist. You can decide your storyline too.
The protagonist can be from the streets or a corporate, or a nomad. Moreover, you can choose the type of cars you want and the kind of weapons you’ll carry.
And… Cyberpunk is Coming.
That’s how it has been till now, and we hope that the buildup that CD Projekt Red has created will be worth it. Cyberpunk will be out on all gaming platforms, and word is there might be a multiplayer version coming up too.
Nine days you all, let’s hope this will be worth the wait! Happy Gaming to all of you till then!


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Unlimited access from Orange Kenya
INTERNETBy BiztechAfrica - Jan. 19, 2012, 11:41 a.m.
By Carole Kimutai, Nairobi, Kenya
Integrated telecommunications services provider Telkom Kenya has launched unlimited internet bundles for its Orange mobile and 3G broadband customers. The newly-launched bundles will see Orange mobile customers enjoy unlimited internet for as low as KSh 39 daily, KSh 249 weekly and KSh 990 monthly, while the Orange Internet Everywhere 3G modem customers will access unlimited internet for KSh 990 and KSh 2,990 on a weekly and monthly basis respectively.
“Orange is keen on increasing its customer acquisition and retention by offering relevant and cost effective data services in a bid to further strengthen its position as the leading provider of data services in the country,” said Telkom Kenya Chief Corporate Communications Officer, Angela Nganga-Mumo.
The new mobile unlimited internet bundles can be purchased by dialing #123# while modem users can buy their broadband bundles through the Orange portal.
“We are confident that with our reliable internet connectivity and now affordable bundles, we have greatly improved the value proposition to our customers. Moreover, this fast and convenient access of data comes at a time when Kenyans are appreciating the use of ICT in the transaction of business, rather than just for social communication,” added Mumo.
Orange launched its 21Mbps 3G network in August 2011 with a view to expanding the Orange mobile and data customer base.
According to the latest CCK report, the data market recorded a 14% increase in the number of internet users to 14.3 million. This growth was accelerated by increased mobile subscriptions and the ease of accessing the service.
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91% of organisations polled suffered a cyber-attack at least once in the past year, says Kaspersky Lab in its security review of 2013.
COMPANY NEWSSamsung, 49M embark on consumer educational drive
Samsung Electronics South Africa has announced a national consumer education campaign in support of the 49M initiative, offering practical actions to save energy in daily life.


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H-E-B Plans First-of-its-kind Green Store
San Antonio-based supermarket chain H-E-B plans to build its most sustainable store in Texas’ capital city of Austin, using the new store as a test bed for expansion of recycling and reduction of energy and water use before rolling these features out at other stores.
Plans call for high-efficiency air conditioning and refrigeration, sensor-driven lighting systems and enhanced insulation in ceilings and walls, the Austin American-Statesman reported. Measures to conserve water include low-flow sinks and toilets; landscaping will feature drought-resistant plants, and sprinklers will use reclaimed water, the American-Statesman reported.
With this new store, H-E-B aims to qualify for Austin Energy's Green Building program and at least a silver Leadership in Energy and Environmental Design (LEED) rating from the U.S. Green Building Council.
With construction scheduled to begin late next year, the new 75,000-square-foot market will be built at Mueller, part of a 110,000-square-foot shopping center planned for the southeast corner of East 51st Street and Berkman Drive in Austin, the American-Statesman reported. With a grocery store reportedly in great demand for the area, the new store is slated to open in 2013.
There are two other H-E-B stores within a 3-mile radius of the planned new market, but there are no plans to close either of those locations.


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This is an archived release.
Slight rise in turnover
Turnover within manufacturing was NOK 124 billion from January to March. This is a 1.3 per cent increase from the same period in 2002. Within Norwegian oil- and gas extraction turnover in March was approximately NOK 31 billion, a 4 per cent higher figure than in March 2002.
Within oil and gas extraction turnover amounted to approximately NOK 95 billion in the first quarter of 2003, a 21 per cent increase compared with the first quarter of 2002. Several companies have given reports of large volumes at high prices in the trading of oil. According to the External merchandise trade statistics, the average price for oil in March was NOK 226 per barrel, a price which is more than 13 per cent higher than the price in March last year.
Increased turnover in the capital goods sector
Industries producing capital goods (transport equipment, fabricated metal products and machinery and equipment n.e.c) experienced a 2.3 per cent higher turnover in the first quarter of 2003 compared with the first quarter 2002. Transport equipment alone had a 44 per cent increase in turnover. This is however an industry with fluctuating turnover related to realization of large contracts.
Lower turnover for intermediate goods
Figures for intermediate goods show a 2.1 per cent decline in the period from January to March 2003 compared with the same period in 2002. Continuing weak turnover within basic chemicals contribute largely to the decline within the industrial grouping. Turnover for other intermediate goods such as Wood and wood products, Rubber and plastic products and Basic metals have on the other hand experienced a rise in turnover in the period.
Consumer goods also in decline
Consumer goods (food and food products, textiles, wearing apparel, leather and publishing, printing and reproduction) fell by 2.9 per cent in the first quarter, compared to the same period last year. Food and food products fell 1.4 per cent in relation to the year before. The reduction was in the main due to a decrease in the production and preservation of fish and fish products.
Rates and Electricity, gas and steam supply
Year-on-year figures for March and from January to March should be interpreted cautiously, due to the fact that the Easter holiday was in March last year and in April this year. Long-term financial contracts influence the level in turnover within electricity, gas and steam supply. It is therefore advised to interpret figures with caution.
Statistics on turnover of oil and gas extraction, mining and quarrying, manufacturing, electricity and gas supply.
|Original series1||Changes in per cent||Seasonally adjusted changes in per cent|
|March 2003||March 2002-March 2003||December 2002-January 2003||January 2003-February 2003||February 2003-March 2003|
|The overall turnover||88 990||11.8||1.9||6.8||-9.8|
|Oil and Gas Extraction||31 124||4.1||10.6||5.5||-4.9|
|Electricity, Gas and Steam Supply||13 684||94.3||-17.8||26.7||-30.4|
|Main industrial groupings|
|Intermediate goods||14 932||5.6||4.4||-0.1||1.3|
|Capital goods||11 327||-1.9||-8.2||10.0||-8.0|
|Consumer goods||14 665||-1.9||4.3||-8.6||0.7|
|Energy goods||48 066||23.3||5.7||13.7||-12.0|
Find detailed figures from Turnover in oil and gas, manufacturing, mining and electricity supply


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Growth in the connected car market is accelerating. The latest predictions claim that revenue in the US alone could top $37 billion by 2023, while globally, some have valued it as a $219 billion opportunity by 2025. Whatever happens, it’s undeniable that modern automobiles are as much computers as they are vehicles. That’s why we’ve seen a growing number of deals over recent months between car OEMs and traditional IT and OT providers. The latest is a tie-up between Google and Renault-Nissan-Mitsubishi.
As yet another connected “thing”, our cars are set to become an extension of the emerging smart home. And that’s why the user interface will be key to success or failure as we go forward. In the smart home space we’ve seen a whole ecosystem of new connected things spring up to make people safer, happier and more entertained within the confines of their own four walls. The key gadget that has caught people’s imagination has been the smart speaker, now garnering sales in the millions of units. Those distributors that have managed to ink deals with Google, Amazon and Apple are already benefitting as their AI assistants get integrated into more and more products.
At the end of August, Amazon announced it had integrated Alexa into smart home sensors, bringing with it a whole new slew of functionality. Now you can ask Alexa if there are any doors open before setting your security alarm at night. Or program for the lights to come on if there’s movement in a room downstairs. This is the future of home automation and will open the floodgates on innovation in the space, and similar functionality can well be imagined inside the connected car.
Joining the dots
The average connected car today is said to contain more than 150 million lines of code, plenty of wireless connectivity and multiple on-board computer systems to provide everything from infotainment, monitoring of emissions, and even control of key functions like steering. We’re still some way off fully autonomous vehicles. But our cars are increasingly packed with technology designed to help with things like safety, navigation, predictive maintenance, entertainment and even in-car productivity.
Kal Mos, Global Vice President of Alliance Connected Vehicles at Renault-Nissan-Mitsubishi, was quick to zero in on the benefits of teaming up with Google.
“In the future, the Google Assistant, which employs Google’s leading AI technology, can become the main way customers interact with their vehicles, hands-free,” he said. “With Google Maps and the Google Assistant embedded in Alliance infotainment systems, our customers will have some of the most advanced AI-based applications at their fingertips. And with in-vehicle access to the Google Play Store, our customers will enjoy an open and secure ecosystem of Android apps engineered for vehicles.”
Increasingly we will live in a digital world where the connected car acts as an extension of the smart home and vice-versa. And the smart home will heavily influence the connected car space. The habits consumers are already learning at home will need to be embedded into their vehicles if OEMs want to drive success. That’s why, alongside the Google announcement, we’ve seen:
- BMW and Mini announce a tie-up with Amazon Alexa
- Bosch develop an in-vehicle assistant dubbed “Casey”
- Mercedes continue to develop its own in-car assistant tech as part of the MBUX system
It won’t all be plain sailing. A new study has revealed widespread gaps in awareness and even active hostility to the idea of autonomous cars. But change is coming. And it will bring with it new opportunities for the channel.


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N Raja, director, at Toyota Kirloskar Motor (TKM), said: “We continue to be positive on hybrids irrespective of the price challenge. There is no change in our plan. We will continuously engage with the government and explain to them. We are hopeful that the government would reconsider it positively.”
The company had previously indicated it may re-evaluate its strategy on hybrid vehicles after an effective tax of 43% has been levied (28% GST, 15% cess). By contrast, smaller petrol and diesel vehicles would attract levies in the range of 29-31%.
Most of them are CEOs, CFOs and businessmen. Moreover, they all want to try out a new technology and are conscious environmentally.” TKM has already sold around 600 hybrids between January and June this year. Given the price increase, the company said it might have to make more efforts toward educating customers on the technology.
The company would push sales in markets such as Maharashtra, where the price increase on the Camry hybrid has not been as much as compared to that in Delhi after GST was rolled out July 1. Overall, the company said the tax rates under GST have enabled manufacturers to reduce prices of petrol and diesel vehicles.


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The third Android Wear 2.0 developer preview is available, and there are some big new features coming our way, but don’t get too excited just yet. The bad news is that Google has decided to continue its Android Wear 2.0 developer preview into early 2017. So we won’t see the official launch of the new operating system until after that at some point.
That’s not a bad thing. This wait will give developers some extra time to get things buttoned up. With this latest preview, developers can publish their alpha and beta Android Wear apps to the Play Store, and users can search for them. You won’t even need to install apps on both your phone and watch, since Google is offering the ability to install only the watch version of a new app. Even better, if developers want to, they even have the option of only offering a watch app by itself.
The arrival of the Play Store is the big addition in developer preview 3, but there are other new features like complications permissions, inline actions, and a new UI component called Wearable Recycle View, which lets developers display vertical lists that are optimized for round displays. Developers will be pretty busy getting their apps ready for this big release.


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S. Korea urges Google to improve privacy
South Korean regulators Tuesday voiced concerns over Google's controversial plan to merge user data from YouTube, Gmail, Google+ and other services in individual comprehensive profiles.
Google announced the change to its terms of service in January, explaining that it will essentially "treat you as a single user across all our products" when it comes to use patterns tracked for targeting services, content or ads.
But the internet giant has faced pressure from critics who say the change in policy invades consumer privacy by automatically sharing personal information input into different Google products, which users may wish to keep separate.
"Our recommendations have been sent to Google to give it time to adhere to South Korea's communication rules," the Korea Communications Commission, which has the power to order Google Korea to change its policy, said.
The commission called on Google to provide contacts for users to lodge complaints and give details on how long it will hold user information.
Google Korea said it would maintain "constructive dialogue" with South Korean government agencies.
"We can say confidently that our revised policy... is in line with with South Korean laws," it said.
Google Korea defended its policy change, saying combining information on users was aimed at offering individually-tailored services.
It said users could choose not to use services if they did not agree with the policy or, for example, use YouTube without logging in to their account.
The Korea Council on Protection of Personal Information, a consumer group, said Google's new policy would "seriously hurt the interests of all Internet users".
(c) 2012 AFP


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Jun 16, 2015, 08:03 ET
VANCOUVER, British Columbia, June 16, 2015 /PRNewswire/ -- Daiya Foods, the leader and creator of deliciously dairy-free products that melt, taste and stretch like dairy-based cheese, has teamed up with Beyond Meat—makers of 100-percent plant-protein meat alternatives—to extend its frozen pizza lineup. The new "Supreme Pizza" offering combines Daiya's dairy-free Mozzarella Style Shreds with Beyond Meat gourmet meatless sausage, colorful peppers and onions and the perfect amount of flavorful tomato sauce to offer a true feast for the senses atop a crispy, artisanal, gluten-free crust. The tasty new pizza offers people looking to eat healthier and clean, or who want to incorporate more plant-based foods into their diet, a new way to enjoy the delight of cheese and a mouthwatering, supreme pizza experience without compromise.
"At Daiya, we are passionate about good food and are committed to sharing our love of food by producing amazingly delicious products that are also dairy, gluten and soy free," said Michael Lynch, vice president of marketing. "With over 22 million vegetarians, a third of the population who is dairy sensitive, and an ever increasing number of people now following a plant-based diet, we are fortunate to cook up our latest creation with industry leader Beyond Meat, who is well known for revolutionary and great-tasting, plant-based products that offer the same taste and texture of meat. This enhances the taste appeal of our latest Supreme Pizza offering and helps us truly deliver on Daiya's goal of providing healthier versions of everyday foods people love to eat."
Like all Daiya foods, the new Supreme Pizza is free of the three most common allergens—dairy, gluten and soy—and contains no animal products, cholesterol, trans fats or preservatives.
"Beyond Meat is happy to provide delicious plant-based meats for those seeking to reduce their intake of animal protein," said Ethan Brown, CEO and Founder of Beyond Meat. "With the Supreme Pizza from Daiya, consumers can conveniently enjoy their favorite pizza now topped with meat made from plants, containing all the protein and taste found in meat, but with none of the saturated fat, cholesterol, antibiotics, hormones or GMOs."
Daiya Supreme Pizza (MSRP $8.99) joins five other delicious take-and-bake pizza varieties including Cheeze Lover's, Margherita, Fire-Roasted Vegetable, Mushroom & Garlic, and Pizza Bianca, now available at leading grocers across the country. Daiya's existing dairy-free foods include recently launched Cheezecakes in four tasty flavors, in addition to its core line of dairy-free Shreds, Blocks, Slices and Cream Cheese Style Spreads.
For more information or to locate a store near you, visit www.daiyafoods.com.
About Beyond Meat
Based in Los Angeles, California, Beyond Meat is a privately held company that is on the cutting edge of plant protein research and development. With a goal of driving innovation and progress, the company provides plant-based protein foods – without sacrificing the taste, chew or satisfaction of meat. Investors include Bill Gates, Twitter co-founders Biz Stone, and Evan Williams; Kleiner-Perkins Caufield & Byers, Morgan Creek Capital, and Closed Loop Capital; Seth Goldman, founder of Honest Tea; and the Humane Society of the United States.
About Daiya Foods
Daiya Foods was founded in 2008 out of a love for food and a commitment to healthy living. Today, as the industry leader, Daiya remains passionate about celebrating wonderful food that is dairy, gluten and soy free. Its swap-worthy, plant-based foods are available in the dairy case and freezer aisle at more than 20,000 grocery stores in the U.S., including Whole Foods, Kroger's, Safeway and Publix, as well as most natural food retailers. For more information about Daiya, please visit www.daiyafoods.com, become a fan on Facebook or follow us on Twitter and Instagram.
Photo - http://photos.prnewswire.com/prnh/20150615/223277
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A study of data collected in the 2007 and 2012 Census of Agriculture shows that direct-to-consumer sales could help growers remain in business longer.
In January 2015 a group of economists at the USDA-Economic Research Service released the publication “Trends in U.S. Local and Regional Food Systems: A Report to Congress”. The purpose of the report was to provide Congress with information regarding the “scope of and trends in local and regional food systems.”
As the demand for local food continues to increase along with consumer interest in locally-grown, USDA has made it one of its priorities looking at related topics including improving the rural economy, expanding food access and increasing nutrition, assisting agricultural producers and strengthening local markets.
Defining direct-to- consumer sales Nigel Key, a USDA-ERS economist and co-author of the Congressional report, studied some of the data that was collected to determine if direct-to- consumer sales had an impact on the survivability of farmers.
“I examined farms that sold directly to consumers, which is a subset of local food producers,” Key said. “I looked at whether farms that had direct-to- consumer sales were more likely to survive longer in business and grow more or less compared to farms that don’t do direct-to-consumer sales. That was the focus of my research.”
Key said direct-to- consumer sales would include roadside stands, farmers markets, pick-your-own farms, on-farm stores and community supported agriculture.
“These sales wouldn’t include intermediaries that would aggregate the food and then sell it to schools or to supermarkets,” he said. “It also wouldn’t include selling to restaurants that then prepare the food and sell it to consumers. That would be local food, but that wouldn’t be selling directly to consumers.”
Tracking business survival
Key used the 2007 and 2012 Census of Agriculture data, which essentially includes all farms.
“We looked at all farms and broke them out by their sales categories: $1-$10,000; $10,000-$50,000, $50,000-$250,000 and over $250,000,” he said. “The Census of Agriculture is conducted every five years. The last one was in 2012 and the one before that was 2007.
“Looking at the 2007 census at producers who were selling directly to consumers, we determined how many of those producers showed up in the 2012 census and were still in business. We compared this data to the farmers who weren’t selling directly to consumers in 2007 and how many of those producers showed up in the 2012 census. We tracked business survival rate.”
Key said that 55.3 percent of all farms showed up again in the 2012 census compared to 60.9 percent of those producers with direct-to- consumer sales. The higher survival rate for direct-to-consumer sale producers was true for all of the different size sales categories. There was a significant increase in the probability of survival occurring for farmers with direct-to- consumer sales.
“The small farmers only had a 45.3 percent rate of survival compared to 72.8 percent for large farmers, but in every category survival was higher for direct-to- consumer sales,” he said. “For large growers with direct-to-consumer sales survival was higher, 78.1 percent. For the small direct-to- consumer sales farmers, survivability was 54.9 percent. In every sales category, there was a higher survival rate for direct-to- consumer sales farmers. We also looked at beginning farmers. These are farmers who have been in business less than 10 years. We basically saw the same effects.”
Reasons for increased survivability
Key said one of the reasons that there is a higher survival rate among farmers doing direct-to-consumer sales, is the amount of time these farmers are spending marketing their product.
“The direct-to- consumer farmers may be getting a higher price, but they are also spending more time marketing their product,” he said. “So in a sense they are a farmer and a marketer. As a result, for the same level of sales they don’t need as much farm equipment and they don’t need as much land. From the data we saw farmers who sell directly to consumers have $20 worth of machinery per dollar of sales compared to $31 worth of machinery per dollar of sales for those farmers who market through conventional channels.
“We saw similar results for the amount of land being farmed. Direct-to- consumer farmers had $240 in land per dollar sold compared to $309 in land per dollar sold for farmers selling through conventional channels. If a farmer doesn’t have to have as much land and machinery then he doesn’t have to borrow as much money.”
Key said farmers who were doing direct-to- consumer sales also had less debt.
“With less debt, the direct-to- consumer farmers likely have lower interest payments relative to their assets so they have a lower debt-to- asset ratio,” he said. “A lower debt-to- asset ratio makes a farmer less susceptible to production and market shocks.”
Slower growth rates
When Key looked at the growth of farms that remained in business in both 2007 and 2012, the farmers with direct-to- consumer sales had slower growth than the farmers with no direct-to-consumer sales.
“It’s kind of puzzling, why would these direct-to- consumer farmers have higher survival rates and lower growth rates?” he said. “One possibility is the direct-to- consumer sales tend to be more labor intensive. So given the same amount of sales, the direct-to- consumer farmers were hiring substantially less labor. So it makes it difficult to expand if expanding means having to hire someone. That can be a costly upgrade as compared to purchasing more land where a farmer can farm more of the land himself. Even though a farmer may not be able to grow the business, he may be able to survive.
“These direct-to- consumer farmers may also enjoy their work more. They like interacting with their customers. We don’t have any data to support that, but those are just my thoughts.”
For more: Nigel Key, USDA-Economic Research Service, Resource and Rural Economics Division, Farm Economy Branch; (202) 694-5567; firstname.lastname@example.org.
David Kuack is a freelance technical writer in Fort Worth, Texas; email@example.com.


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Many users assume that their data will not be collected if they activate the "incognito mode" in their browser. But it is precisely because of this mode that Google is now being sued: A group of US consumers accuses the company in a potential class action lawsuit without collecting data about their behavior on the Internet. So far, there are only three plaintiffs who each want to raise at least $ 5,000. The law firm that it represents, however, assumes millions of victims - which could amount to a billion claims in a class action lawsuit.
According to the complaint, which was filed with the Federal Court in San Jose, California on Tuesday, the company is collecting data from Internet users via Google Analytics, Google Ad Manager and other applications, as well as website plug-ins and smartphone apps. Google should not participate in the covert and unauthorized collection of data from virtually all Americans using a computer or phone, the indictment says.
With information about users' surfing habits, Google can draw conclusions about friends, hobbies, favorite foods, shopping habits - including the "most intimate and potentially embarrassing things" when someone searches for them online. With the data, Google is able to place customized advertising.
Google spokesman Jose Castaneda announced that the company will take vigorous action against the allegations. "We clearly state every time a new incognito tab is opened that websites may collect information about browser activity," he said. The function is just about not storing any data on the device or in the browser.


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Here’s an exceedingly stupid take on Communist China using subsidies to eviscerate the US economy.
China’s Export Subsidies Are a Gift:
“(We should be) making a beeline to the nearest Hallmark store to buy thank you cards to send to the Chinese government for the subsidies it provides to Chinese exporters….”
This was published just this past September. After almost two years of the global lockdown – and more than six months of the all-encompassing US supply chain shortage – caused by just one China (and US)-subsidized Chinese export – the Coronavirus.
Importing Government Subsidies: The Worst of Fake ‘Free Trade’
To witness all the damage our lack of domestic production has done – and the China Virus has exposed and exacerbated – and then say we should be thanking China for doing it all to us? Is a whole new level of idiocy.
But of course, Communist China money has purchased a LOT of US idiocy over the last several decades.
How America’s Biggest Companies Made China Great Again
Consultant Helps U.S. Companies Move to China
Leftist Big Tech: ‘Communist China? Heck Yes. The US Military? Heck No.’
The US Sell-Out Continues: Big Tech’s Latest Capitulations to Communist China
US Companies Are Sticking with China Despite Rising Tensions and Pressure from Trump
Because President Donald Trump wasn’t owned by China. But just about everyone else in DC is – and has been.
Corporate America Fights Uphill Battle Against Anti-China Push:
“Companies are teaming up with untraditional allies out of fear that the fall legislative session will lead to restrictive laws.”
Fear not, US sell-outs: The rumors of this “uphill battle” are highly exaggerated.
Biden Administration Pushed Congress to Water Down Anti-China Bill
Senate Dems Blocking Measure To Prohibit Imports Made With Chinese Slave Labor
Why are all of these US officials acting like Chinese officials? Money. Coin. Dollar bills, y’all.
Chinese Energy Firm Chairman Gifted Hunter Biden an $80,000 Diamond After He Agreed to Help Expand the Business by Making ‘Introductions’ for $10 Million a Year
Hunter Biden Firm Helped Chinese Company Secure $3.8 Billion Cobalt Mines
China’s money – and its influence – is everywhere.
Dem Big Wigs Including Harris, Cuomo, Schumer Listed as ‘Domestic Contacts’ in Biden Chinese Business Email
Like with Hunter Biden, McConnell and Pelosi Are Beholden to China Through Family Business Deals
Sen. Feinstein’s Husband Had Ties to China as She Pushed Trade
Schiff Refuses to Disclose Why He Withheld Details of Swalwell’s Relationship with a Chinese Spy from Intel Committee
Chinese Illegally Donated to Bill Clinton Reelection
And the companies China didn’t suck out of America? They’re buying them right here in the US. Without any opposition from the officials we elect – but they own.
Why Are We Letting China Buy American Companies?
The Biggest American Companies Now Owned by the Chinese
Ten Iconic American Companies Owned by Chinese Investors
China Is Buying Up American Farms
How China Acquires ‘The Crown Jewels’ of U.S. Technology
Ah yes: The ever-increasingly dominant Digital Economy.
As we’ve seen, US Big Tech companies refuse to work with our government – but are more than happy to work with China’s Communist government. But it goes way beyond just these “edge” sell-outs.
The core businesses that make the Digital Economy possible? Are one way or another almost entirely dominated by China.
Rare Earth Metals Are Critical to Tech Sector and China Dominates Market
China Dominates Global Coal Production
How China Is Dominating Artificial Intelligence
Three Reasons Why China Is the Global Drones Leader
But even before China can dominate all of these portions of the Digital Economy? They must dominate semiconductor production. Semiconductor “chips” are the digital brains behind everything technological. So of course China dominates chip production too.
China Semiconductor Imports Surge to All-Time High Amid Global Chip Shortage
Modern Infrastructure Problem: A Lack of Domestic Semiconductor Production
Why Fewer Chips Say ‘Made in the U.S.A.’:
“In 1990, the U.S. and Europe produced more than three-quarters of the world’s semiconductors. Now, they produce less than a quarter. Japan, South Korea, Taiwan and China have risen to squeeze out the U.S. and Europe. And China is on pace to become the world’s largest chip producer by 2030.”
Oh: And China is buying out its Asian competitors.
China Stockpiles Chips, Chip-Making Machines to Resist U.S.:
“Chinese businesses bought almost $32 billion of equipment used to produce computer chips from Japan, South Korea, Taiwan and elsewhere, a 20% jump from 2019, a Bloomberg analysis of official trade data shows.
“And with companies like Huawei Technologies Co. stockpiling supplies ahead of U.S. sanctions, imports of computer chips climbed to almost $380 billion — making up about 18% of all of China’s imports for the year.”
China dominates semiconductors – the same way they dominate everything else.
Eyeing US, China Wields $33 Billion in Subsidies to Bolster Chips
And what are US companies doing about all of this?
U.S. Companies Aid China’s Bid for Chip Dominance Despite Security Concerns:
“Silicon Valley venture-capital firms and chip-industry giants are ramping up deals in China’s semiconductor industry, alarming U.S. officials.”
The thing is, there remains a political advantage to domestic chip production. It looks good to look like you’re actually for the country you purportedly represent. And it means lots of really good jobs – anywhere chip manufacture occurs.
So with Democrats staring down the barrel of what appears to be a very unpleasant 2022 election, perhaps the following will actually come to fruition.
Can Congress’ $52 Billion Chip Bill Overcome the Silicon Shortage?:
“Between shuttered auto plants, skyrocketing component pricing, and ever-growing lead times, the ongoing semiconductor shortage is hard to miss. And while the Biden Administration’s massive infrastructure bill has garnered the lion’s share of media attention, Congress hasn’t forgotten about the chip shortage.
“Introduced early this summer, the $52 billion CHIPs for America Act aims to bolster U.S. semiconductor supply chains and reduce reliance on Asia-Pacific foundry operators like Taiwan Semiconductor Manufacturing Co. (TSMC) and Samsung Electronics. And unlike the hulking infrastructure bill, the CHIPs for America Act has broad bipartisan support in the senate.”
Beating Dead Horses: Forget ‘Build Back Better’ and Get Bipartisan Already
Congress has wasted many months myopically fixated on this monstrosity. Which has now created a year-end legislative log jam. Which has led to this….
Congress’ Chip-Funding Pause Raises Alarms:
“Despite bipartisan support in the Senate, a plea by the Commerce Secretary and growing desperation from industry officials, Congress still can’t get a key bill that funds the U.S. chip business over the finish line.”
The CHIPS bill should be treated as “must-pass” legislation.
Because it is must-pass legislation.
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Hanako – Soul of the Samurai Reawakens Teaser
Hanako: Soul of the Samurai “reawakens” after six months of intense development. Get a glimpse of what’s changed in this short teaser.
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So, how is your day going? If it is anything like ours, your day is filled with uncertainty and apprehension. Every night we go home thankful we still have our job, and if you are a small business owner, grateful that you have managed to stay in business another day but unsure if you will be able to say the same next week or next month.
Every morning we wake up, hoping to hear a bit of good news, something/anything that will give us hope that the economy has hit bottom and finally will start to work its way back up. More often than not, though, the news is usually bad. Stocks are down, prices are up, and more people than ever are out of work. You don’t even have to read a newspaper or watch the evening news to hear the bad news. Just walking on the streets and you will overhear a phone conversation as someone proclaims that a friend is about to lose their home.
The only bit of good news out there is that next month the federal government is going to start sending out checks to everybody who filed a tax return. Friends and neighbors are already talking about what they are going to do with this windfall. The President is hoping that you will take the money and spend it on something other than back bills. The President would like to see you go to a restaurant, Home Depot, or take in a ballgame, put the money back into circulation, stimulate the economy!
The question is, what then, after you spend your $1200 for married couples who earned less than $150,000 plus $300 for each dependent child? For most of us it is then back to reality, struggling to get by.
For the small business owner this recession hits you particularly hard. Small businesses have very little margin to work with. Most small businesses bridge the income gap, when cash flow is not exactly flowing, with personal credit lines and credit cards, neither of which is substantial and the credit charges are high. Federal interest rate cuts have little impact on the small businessman.
The economic spiral downward impacted the small business community early in ’07 and most companies have been adjusting on the fly, cutting expenses wherever possible, trying to keep employees on salary as long as possible. But eventually there comes a time, after cutting back hours, that you have to start letting employees go. For most small business owners this is the hardest thing to do, you know each employee so well, often times they have become your friend.
If you are good enough and/or lucky enough, the expenses and income begin to balance out and you pray you can hang in there until the economy turns around. For most there is not much credit left and it wouldn’t take much to put us out of business. If you are not able to stop the hemorrhaging of red ink, then you are out of business and have to deal with fact that you have to pay back all that money you borrowed trying to survive. There will be no government bailout like we see with Bear Stearns.
The bailout of Bear Stearns, which found itself in big trouble due to their bad business decisions, to the tune of $30 billion is hard to take when you consider a few years ago when small businesses were hit particularly hard by the gas and electric deregulation and the spike in utilities drove many businesses to the edge of bankruptcy. The State of California sought out the President’s help in dealing with the crises and basically the President told us that it was an open market and we would have deal with the crises on our own. In the meantime energy companies made record profits while Californians suffered and many small businesses struggled or went out of business.
We are venting. La Prensa San Diego is a small business and we are a part of a larger cadre of Hispanic business owners who are in same boat. We are struggling, but surviving. So when you do get that extra cash from the government and after you pay those back bills use your spare money to stimulate the Hispanic economy. Instead of going to El Torito, go to a neighborhood restaurant. Choose a local business over a Home Depot. Shop at a local shop and support your community. Stimulate your local Hispanic businessman; you could save the job of a friend or neighbor!


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Richard McCrossan, Strategic Business Director at Genesys, explains how to give your customers a very merry multichannel Christmas – and keep them for 2013
The Christmas wish for all retailers must be to increase sales, but if they could also ensure that those customers also come back for more in 2013, then that would be the icing on the Christmas cake.
Christmas 2012 has put a lot of pressure on retailers to showcase their multichannel approach and give customers the best shopping experience possible. According to a forecast from the e-retailers’ industry body IMRG and consultants Capgemini, internet sales are predicted to hit £4.6bn in the first two weeks of December, with £1bn of goods snapped up via mobile devices. The technology is there now to help retailers get their multichannel customer engagement right, and make the wish come true.
Put customer service where the customer wants to be met
Take this typical situation: a potential customer wants to find out if a gift will plug into their daughter’s smartphone. If it’s easier to open a new tab and search for a similar gift from a different retailer than it is to get in touch with your customer service department, then that’s what they will do. If they can’t see whether they can combine a voucher with your special Holiday Offer, they’ll do the same.
This provides an ideal opportunity for integrated chat to resolve the issue and encourage the on-line sale.
It’s essential that customer service can be easily accessed from every channel. So, if a customer is looking at a retailer’s desktop website they should be able to easily bring up an online customer service chat box to ask for help. If that customer tweets a query, they should receive a tweet back. Equally, if the customer is browsing the retailer’s site using mobile internet or an app, then they should be able to go from mobile to call centre in one click.
Mix and match – no problem
Providing customer service via every channel is not enough on its own. The next step is to ensure the information gained from these channels is integrated. The customer effort level to resolve issues is greatly improved if information from every customer touchpoint is integrated.
Eighty one per cent of customers will question the competency of an organisation if they are asked to repeat information that the organisation already holds (Transactis). This is because increasing customer effort not only decreases customer satisfaction, but also decreases both potential to spend and customer loyalty. So customer effort will affect whether a consumer comes back again to do their 2013 shopping.
Sleigh bells ringing at the door – wrong parcel
So the product is purchased, now let’s look at the delivery: a new survey by consumer group Which? found that more than sixty per cent of consumers have faced delivery problems when receiving an online purchase. If these customers purchased their product via mobile internet and then had to repeat all their information when they called customer service to enquire about their delivery, then they have suffered not one but two inconveniences. Another customer which is less likely to return in 2013.
Making it easy for the customer is all about carrying the context of the query from one channel to another and from one interaction to another, so that they can continue the conversation from the point at which they left off.
Customer service must evolve to be less of the “How can I help you?” approach each time a customer gets in touch, to becoming more “Let’s continue the conversation,” using the customer interaction history as a starting point.
And according to research in the Harvard Business Review, what matters most to consumers is being able to achieve their goals easily. The less effort the customer has to put forward to resolve their enquiry, the more likely they are to be a happy customer who increases spending and repurchases.
Investing for 2013
The customer always has been king – and is always right. We now have the technology to enable customer service to give the customer what he wants, tell him what he wants to know when he wants to know it, and above all make the process easy. We believe that those retailers that have falready made progress to accommodate the new multi-channel consumer, will find that Christmas 2012 will not just provide an opportunity for increased sales, but provide an ideal opportunity to reduce customer churn and build customer loyalty for 2013.


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Delaware Law360 provides breaking news and analysis on legal and regulatory issues in Delaware. Coverage includes high-stakes litigation, policy developments, and corporate deals affecting the state.
Uber Technologies Inc. founder Travis Kalanick on Friday moved to trump a Benchmark Capital Partners LP Delaware lawsuit seeking to oust him from the company’s board, declaring in a bitterly worded motion and brief that disputes over board voting must go to arbitration.
Domestic diva Martha Stewart followed “with precision” measures to protect minority stockholders during the $353 million sale of her company to Sequential Brands Group, Inc. in late 2015, a Delaware vice chancellor said Friday in a ruling that dismissed shareholder challenges to the deal.
A pair of LendingClub Corp. shareholders filed a derivative suit Friday in Delaware Chancery Court, alleging the company’s board breached its fiduciary duties by not ensuring LendingClub had sufficient internal financial controls and lied about them in regulatory filings.
The Chapter 7 trustee for e-cigarette maker NJOY Inc. on Friday asked a judge to approve the abandonment of 3,400 pallets of e-cigarettes at a warehouse whose owner says proper disposal of the products will cost $800,000, given the lithium batteries and tobacco they contain.
A Third Circuit panel on Friday largely affirmed a U.S. Tax Court decision that the primary shareholder in a company that owned most of Russia’s Pizza Huts and KFCs could be taxed on stock he bought from a minority shareholder, saying the primary shareholder must accept the "consequences of his business decisions."


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Nissan to unveil Invisible-to-Visible technology concept at CES
Invisible-to-Visible, or I2V, is a future technology created through Nissan Intelligent Mobility and will demonstrate the future of driving to CES visitors through an interactive, three-dimensional immersion experience at Nissan’s display.
New Delhi: Nissan Motor Company on Friday said it will unveil its future vision for a vehicle that helps drivers “see the invisible” by merging both real and virtual worlds, creating the ultimate connected-car experience.
Invisible-to-Visible, or I2V, is a future technology created through Nissan Intelligent Mobility and will demonstrate the future of driving to CES visitors through an interactive, three-dimensional immersion experience at Nissan’s display, the company said in a statement.
I2V will support drivers by merging information from sensors outside and inside the vehicle with data from the cloud. This enables the system not only to track the vehicle’s immediate surroundings but also to anticipate what’s ahead – even showing what’s behind a building or around the corner.
Tetsuro Ueda, Expert leader, Nissan Research Center said, “The interactive features create an experience that’s tailored to your interests and driving style so that anyone can enjoy using it in their own way.
According to the company, I2V is powered by Nissan’s omni-sensing technology, which acts as a hub gathering real-time data from the traffic environment and from the vehicle’s surroundings and interior.
It can also monitor the people inside the vehicle by using interior sensors to better anticipate when they may need assistance with finding something or a coffee break to stay alert.
The automotive sector is one of the largest industries contributing about 7.1% to India’s GDP and generating huge direct and indirect employment. In the Union Budget FY24, the industry has got major boost towards electric vehicle manufacturing, hydrogen fuel adoption and the changing technology mix. However, there were certain misses with regards to the GST reduction.
Satinder Bajwa, senior vice president and Head of Sales and customer care, and Harish Lalchandani, VP, Marketing, Mahindra Automotive, have quit the organisation, three people aware of the matter informed ETAuto on condition of anonymity.


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Teleflex opening in Olive Branch
Medical products firm plans distribution center
Teleflex Inc., a provider of medical technology products, is opening an approximately 630,000-square-foot distribution operation in Olive Branch Distribution Center.
The Limerick, Pa.-based company has signed a lease at 11244 Distribution Cove.
Founded in 1943, Teleflex develops and manufactures medical devices for critical care and surgery, supplying health care providers in more than 130 countries. The company did not respond to media requests by press time.
He says Teleflex has historically been a diversified company, working in a range from aerospace components to medical products.
“Several years ago, they decided they would become a pure-play medical device/hospital supply company and spent years methodically divesting the other industrial components,” Keusch says.
The company completed that transformation in late 2011.
“What they’re really focusing on right now is addressing the demands of what I would call the ‘new normal’ within health care, which is consistent new product development, products that bring clinical benefits to the customers and economic value,” Keusch says.
As Teleflex has focused on medical devices, the company replaced its more industrial-focused CEO Jeffrey Black with Benson Smith, a board member who had been chief operating officer of C.R. Bard Inc., a large player in the medical device market.
To better compete, Teleflex is trying to increase the level of technology and sophistication in its products, according to Keusch. The company is also trying to increase its operating margins, targeting an increase from 17 percent to 25 percent in the next three to four years. This is driven by a variety of factors that include price increases and adding products, either through organic growth or acquisition.
Andy Ashby covers commercial real estate; transportation and logistics; construction; and Downtown Memphis. Contact him at email@example.com.
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In order to hasten the transition from its traditional retail products to its cloud based products, Microsoft has just announced that it will be offering one year of free technical support to Azure users.
From May 1, 2016 through to June 30, 2017 users who purchase Azure Services under an Enterprise Agreement (EA) will receive a year of free support from the company.
As more businesses turn to the use of public cloud services, they're keen to find ways to gain more visibility into their deployments and make them more secure.
Cloud native networking pioneer Aviatrix Systems is addressing this with the launch of its Cloud Native Networking 2.0. The solution combines a software-defined network controller and software gateways to enable businesses using a combination of public, private and hybrid clouds to quickly and easily roll out virtual private clouds.
It is hard to take Windows 10 Mobile seriously when Microsoft announces sales of just 2.3 million Lumias in a whole quarter. If you ever thought that the platform can actually be competitive in today's market, now is the time to wake up. This year, smartphones sales are expected to reach 1.5 billion units. If Microsoft manages to move 10 million Lumias in 2016, Windows 10 Mobile's market share would likely be around the one percent mark.
Microsoft is not the only Windows Phone/Windows 10 Mobile vendor, but it is the largest by far. It sells about 90 percent of the smartphones running the tiled operating system, so its performance has a major impact on the platform's popularity.
Microsoft Azure's Container Service in now available to help companies deploy and manage containers using their choice of software.
Users of the service will be able to move their container workloads to the cloud easily and can still run their operations using open-source tools. The two most popular tools -- Mesosphere’s Data Centre Operating System (DC/OS) and Docker’s Swarm and Compose -- will be both be supported by Azure Container Service and users will be able to continue running their operations using the one they prefer.
Microsoft is both an open source and Linux champion nowadays -- on the surface at least (pun intended). In other words, while it does embrace those things, we may not know the motivation of the Windows-maker regarding them. Regardless, Linux and open source are now important to the Redmond company.
Today, Microsoft announces a CentOS-based VM image for Azure called 'Linux Data Science Virtual Machine'. The VM has pre-installed tools such as Anaconda Python Distribution, Computational Network Toolkit, and Microsoft R Open. It focuses on machine learning and analytics, making it a great choice for data scientists.
Microsoft has joined forces with a collective of more than 40 financial institutions to help push the development of blockchain technology. Working with the R3 consortium, Microsoft wants to develop and test new technologies to replace and streamline old systems used in banking and enterprise industries.
The announcement comes as the company launches the first Microsoft Envision event with the aims of bringing together business leaders to pool ideas for the digital age. Using Microsoft Azure, the company wants its partners to expand the use of Blockchain-as-a-Service and bring about change faster.
Platform-as-a-service provider Mendix and Microsoft today announced a partnership which will bring Mendix services on the Azure cloud platform.
Mendix says the new partnership will allow Azure customers to seamlessly access Mendix’s rapid application development capabilities, adding that two versions are available -- free and commercial.
Azure already supports a number of major Linux distributions, like CentOS and openSUSE, but Microsoft is now taking things one step further by offering Red Hat Enterprise Linux instances through the cloud platform's Marketplace.
This comes as a direct result of Microsoft's partnership with Red Hat, which, among other things, is meant to "help customers embrace hybrid cloud computing by providing greater choice and flexibility deploying Red Hat solutions" on the software giant's cloud platform.
The latest State of the Cloud report from cloud management specialist RightScale reveals that a lack of resources and expertise is now the top cloud challenge -- cited by 32 percent of respondents.
This means it has overtaken security, mentioned by only 29 percent. Even the most security conscious respondents -- enterprise central IT teams and security pros -- no longer see security as their main challenge.
Microsoft has released the latest component of its cloud IoT suite, the Azure IoT hub, which was first announced back in September.
Azure IoT Hub is designed to make it easy to connect IoT devices to the cloud as well as allowing bidirectional communication, with device to cloud telemetry and cloud to device commands.
The current perceptions of Microsoft by some home users can be quite negative. This is likely due to privacy concerns with Windows 10, which is a legitimate issue. With that said, the company is still the darling of the enterprise. After all, Windows 7 and Office are integral tools for many successful businesses.
Windows and Office aside, another wildly popular business tool from Microsoft is Azure. This cloud platform is great, but some companies wisely prefer an on-premises solution. Enter Azure Stack. Today, Microsoft announces that the first Technical Preview of its hybrid cloud/datacenter product is coming this week. Bigger news, arguably, is that Canonical's operating system, Ubuntu Linux, will play a key role. Once again, Microsoft is leveraging open source -- noticing a trend here, folks?
Microsoft has launched an enhanced version of its Azure Site Recovery (ASR) targeted especially for VMware customers.
The ASR concept allows you to backup virtual machines into the Azure storage, update them and then run the VMs in Azure as a disaster recovery option. Microsoft charges $54 a month per VM instance stored in Azure, but doesn’t pay any compute or storage costs until you run the VM, which would make sense as it is only a file until the VM is spun up.
Microsoft has announced the hardware requirements needed to run its Azure Stack – the upcoming on-premise hybrid version of the Azure cloud.
The Azure Stack first gets installed on a server and delivers Azure services in a customer’s datacentre, enabling developers and IT professionals to build, deploy and operate cloud applications using consistent tools, processes and artifacts.
Businesses tend to be quite conservative in their approach to technology, so it's always interesting to look at what's been sparking their interest.
Identity and mobility management specialist Okta has released a new report, based on analysis of its customers, looking at the big winners and losers in the enterprise over the past year.
Goldman Sachs thinks Microsoft is making a comeback. The investment banking firm has produced a 22-page document -- titled Righting a Wrong -- looking at Microsoft’s current business, the recent changes it has made and it’s future opportunities.
The research analyzes Microsoft’s core businesses of Azure, Windows and Office and believes that the future looks bright for the company, going as far as to change its stock rating from Sell to Neutral.


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Taylor Swift & More Celebrities React After Roe v. Wade Decision
Companies are reacting to the Supreme Court’s decision to reverse Roe V. Wade, which protected a person’s constitutional right to have an abortion.
According to The Hollywood Reporter, brands including Disney, Netflix, Comcast, Paramount, Warner Bros, Discovery, Sony, WME, CAA and UTA are assuring employees that they will cover travel costs for those journeying out of state for abortions.
For full-time U.S. employees, Netflix said it plans to offer a $10,000 lifetime allowance for travel reimbursement for cancer treatment, transplants, gender affirming care or abortion.
Disney said its employees unable to access a medical service, including abortions, in one location have a travel benefit that allows for “affordable coverage for receiving similar levels of care in another location.”
At Paramount, CEO Bob Bakish reportedly sent employees an email June 24 in the wake of the Supreme Court’s ruling. “Across the country,” he wrote, “we have entered a moment of profound uncertainty. In the face of this uncertainty, we want to be very clear about what will not change at Paramount.”


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2018 public cloud revenue to surge 21.4% - but then it 'will stabilise’
Public cloud will continue its rapid growth in 2018 but according to Gartner there could be a tunnel coming to take the light.
The worldwide public services market is projected to grow 21.4 percent this year to reach US$186.4 billion, up from $153.5 billion last year.
However, despite public cloud revenue growing more strongly than initially forecast, Gartner still expects growth rates to stabilise from 2018 onward. This, according to Gartner, is due to the increasingly mainstream status and maturity that public cloud services will gain within a wider IT spending mix.
Within the public cloud market, the fastest growing segment is cloud system infrastructure services (infrastructure as a service or IaaS), which Gartner has forecast to soar 35.9 percent in 2018 to reach $40.8 billion.
The big players in the IaaS market are expected to to tighten their stranglehold to account for nearly 70 percent of the market by 2021, up from 50 percent in 2016.
"The increasing dominance of the hyperscale IaaS providers creates both enormous opportunities and challenges for end users and other market participants," says Gartner research director Sid Nag.
"While it enables efficiencies and cost benefits, organisations need to be cautious about IaaS providers potentially gaining unchecked influence over customers and the market. In response to multicloud adoption trends, organisations will increasingly demand a simpler way to move workloads, applications and data across cloud providers' IaaS offerings without penalties."
While it's not the fastest growing, Software as a Service (SaaS) is still the largest segment of the cloud market with revenue expected to grow 22.2 percent this year to reach $73.6 billion. Furthermore, Gartner expects SaaS to account for 45 percent of total application software spending by 2021.
"In many areas, SaaS has become the preferred delivery model," says Nag.
"Now SaaS users are increasingly demanding more purpose-built offerings engineered to deliver specific business outcomes."
Looking into the platform as a service (PaaS) category, the segment showing the most growth is database platform as a service (dbPaaS) which is expected to reach almost $10 billion by 2021. While it is quite the obscure acronym, Gartner asserts hyperscale cloud providers are increasing the range of services they offer to include dbPaaS.
"Although these large vendors have different strengths, and customers generally feel comfortable that they will be able to meet their current and future needs, other dbPaaS offerings may be good choices for organisations looking to avoid lock-in," says Nag.


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Ken-Tool, a provider of specialty hand tools, has launched its “Ken-Tool Cares” online video contest in support of Breast Cancer Awareness Month, throughout Oct. 2019. Video entries can be uploaded to a dedicated page on the company website.
Ken-Tool will offer only pink-colored T45A tire irons for sale through their distribution channel from Oct. 1-Oct. 31, 2019. Participants will be encouraged to show their support by purchasing a pink T45A and making a short video of themselves with the tool. Contestants are encouraged to be creative. For example, demonstrating how they use the tool for mounting or demounting a tire, telling a personal story about their relationship to cancer, etc.
A percentage of the proceeds of the pink T45A tire iron sales will be donated to The Lee Giller Male Breast Cancer Fund to support breast cancer research and the Camp Quality USA Ohio Chapter.
“Ken-Tool is pleased to take a stand against breast cancer, which is the second most common kind of cancer in women,” said Ben Graham, national sales manager at Ken-Tool. “While breast cancer is much more prevalent in women, over 3,000 men are expected to be diagnosed with this disease as well this year. As many others have, the Ken-Tool family has been affected by breast cancer. By raising awareness about breast cancer and breast cancer screenings, we all can work together to keep women and men healthy.”
One grand prize video entry will be selected to win $1,000.00 in Ken-Tool products for their shop. The runner-up video will receive $500.00 in Ken-Tool products, the second runner up will get $250.00 in Ken-Tool products, and the 3rd and 4th runner up will receive $100.00 in Ken-Tool products. The winners will be based on creativity, originality, and performance, and the winning video will be featured on Ken-Tool’s Facebook page, YouTube channel, and company website.


text: fistfullast33l writes "Bloomberg is reporting that a recently unsealed court case by shareholders against Yahoo reveals that Microsoft offered $40 a share for the Internet search company in January 2007 and Yahoo turned it down. We've extensively discussed Microsoft's bid for Yahoo earlier this year for $33 a share, which was rebuffed. Investor Carl Icahn has launched a proxy fight against Yahoo over the spurning of the Microsoft deal." CWmike notes Computerworld's coverage of the revelations: "The complaint places much of the blame on [Yahoo CEO Jerry] Yang, describing him as someone with a 'well-known' antipathy toward Microsoft who acted out of a personal interest to keep Yahoo independent. Something wrong with that? Oh, yeah... public company."


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Dragon Ball isn’t any stranger to the artwork of introductions, and it has confirmed as a lot with its dozens of kinds. As of late, the franchise has been busy coping with godly energy boosts and Extremely Intuition, however the Tremendous Saiyan class is what began the pattern. Now, it looks as if the franchise has turned a watch to the old-school kinds as a brand new form of Tremendous Saiyan is right here. And as rumored, it offers a stellar new tackle Tremendous Saiyan Rose.
Sure, you probably did hear that proper! Dragon Ball wasn’t playing around when it stated a brand new form of Tremendous Saiyan was on the horizon. The particular outing was proven within the new episode of Dragon Ball Heroes, and the shape was given to a villain everyone knows nicely at this level.
HOLY SHIT AND THERE HE IS!! SUPER SAIYAN ROSE 3 GOKU BLACK IN ACTION!!!
Tremendous Dragon Ball Heroes Is Wild! pic.twitter.com/jXU52eFIIs
— UnrealEntGaming (@TooRealUnreal) July 11, 2021
For these caught up with the PR anime, you’ll know that Goku Black is again in motion so far as Dragon Ball Heroes is concerned. The present has introduced again the villain with assist from Dr. Wheelo, and Goku Black is extra highly effective than ever earlier than. That’s the reason he exhibits off a brand new type on this newest episode, and it exhibits the fighter go Tremendous Saiyan Rose 3.
The shape is s fairly as you would possibly anticipate given its lengthy pink locks. Goku Black wears the shape nicely, and its energy enhance is substantial. After being assisted by his good physician, Goku Black is ready to battle Goku and Vegeta on the similar time. However after all, the episode ends with a cliffhanger that pits all three Saiyans towards each other.
In fact, that is removed from the first time that Super Saiyan 3 has been given a makeover. Within the video video games, the enhance has been given a legendary makeover and a Majin one courtesy of Vegeta. The Dragon Ball video games additionally launched a particular villainous type for the likes of Gotenks and past.
What do you concentrate on this kind’s official debut? Did you ever anticipate the franchise to take Tremendous Saiyan Rose this far? Share your ideas with us within the feedback part beneath or hit me up on Twitter @MeganPetersCB.


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For Christopher Kane‘s Fall 2016 campaign, the British designer called on model Jamie Bochert to realize his vision of an eccentric, elegant hoarder. Alasdair McLellen photographed the model for the ads, which Kane has titled ‘Lost and Found.’ Initially inspired by early Cecil Beaton portraiture and classic BBC documentaries, this campaign evokes a feel of bag lady chic, plastic bonnet and fur stole included!
“Jamie has a great spirit, and that is the spirit of the Christopher Kane girl we are always trying to evoke in what we do,” said the designer in a statement. “It’s an attitude and atmosphere the we focus on, and that was important for the campaign. Here, she’s a glamorous hoarder, a recluse creating her own world; never derivative and always herself.”