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What you need to know
- Mobvoi launches its new TicWatch E3 with the Qualcomm Snapdragon Wear 4100 chipset.
- The new Wear OS watch offers many of the features found in its higher-end predecessor but at a cheaper price point.
- The Mobvoi TicWatch E3 is available today for $200.
The new Mobvoi TicWatch E3 brings many improvements over its predecessor, including a more streamlined design that's akin to the Samsung Galaxy Watch Active 2. The display is slightly smaller at 1.3-inches and has a slightly lower resolution at 360x360, but the reduced size should make it an easier fit for more people. However, the real story is what's underneath the hood.
Mobvoi has equipped the TicWatch E3 with the newer Qualcomm Snapdragon Wear 4100, marking a huge jump from the Snapdragon Wear 2100 on the E2. This also makes it the second smartwatch to include the latest Qualcomm chip after the flagship Mobvoi TicWatch Pro 3 GPS launched last year. The E2 ran relatively smooth despite missing out on the Wear 3100, but the newer chip should prove quite impressive, promising 85% better performance while using 25% less power.
As for power, Mobvoi decided to reduce the battery capacity down from 415mAh to just 380mAh, but the company promises the same two-day battery life as its predecessor thanks to the new chip, the latest version of Wear OS, and the help of useful features like Essential Mode. And the 1GB of RAM should also help keep things running smoothly, along with 8GB of internal storage.
The TicWatch E3 is equipped with many of the features expected in a Mobvoi smartwatch, including a suite of health and fitness apps like TicHealth and TicExercise. Users can enable Vo2Max tracking and 24-hour SpO2 monitoring with TicOxygen, and TicMotion will automatically detect certain activity. The TicWatch E3 is also ready to join you at the pool this summer thanks to IP68 water and dust resistance, and there's also built-in GPS and NFC for Google Pay, making it easier to keep your phone at home or in your pocket.
Of course, the elephant in the room is that even with the newer chipset, no one is sure if the current Wear OS smartwatches will be eligible for the new Wear OS update that's expected to launch later this year. Fossil has already stated that its current watches won't be updated, but Mobvoi has yet to confirm anything. Still, the new TicWatch E3 is a more-than-capable device and is easily one of the best Wear OS watches on the market after the TicWatch Pro 3 GPS.
The new Mobvoi TicWatch E3 retails for $200 and is available today through Mobvoi and Amazon. The watch is sold with two additional color straps, so you can easily switch up your style.
Powerful and more affordable
The new Mobvoi TicWatch E3 takes the best of its predecessors and marries them in a powerful yet surprisingly affordable Wear OS smartwatch. Thanks to the new Qualcomm Snapdragon Wear 4100 and the latest version of Wear OS, the E3 should offer some of the best performance and battery efficiency.
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Derrek is a long-time Nokia and LG fanboy who loves astronomy, videography, and sci-fi movies. When he's not working, he's most likely working out or smoldering at the camera.


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Smartphone apps designed specifically to work with cars promise to make the whole phone-car relationship a lot safer. But phones and cars aren't really designed to work together, and it shows in how early apps work.
Why buy when you can rent? That's the idea behind Le Tote, which offers a subscription rental service that lets you add new pieces to your wardrobe without having to buy them.
In a demo cockpit at Google I/O, the company demonstrated how your Android phone could provide calendar, contact and road-trip data to improve your daily drive—and make it a lot safer.
An increased emphasis on wearables, the living room, and even cars will likely define the keynote of Google's annual developer conference.
The great American motorcycle company steps into the future with a prototype model that could legitimize--and possibly overtake--the fledgling all-electric movement.
Tesla CEO Elon Musk thinks the world needs more EVs, so he's letting anyone use his company's technology 'in good faith' to promote that goal.
Tesla hasn't shared its fast-charging technology until now, but offering it further complicates the already-hot debate about standards for connecting electric vehicles to chargers.
Cheap color lasers have more inkjets to worry about. The PrecisionCore printheads on Epson's new WorkForce printers promise faster printing and crisp-looking output. We're testing one right now to learn more.
New models sport 360-degree hinges and hybrid forms. A refreshed Chromebook comes in more colors. As for Android, it comes in a buzz-worthy yellow-and-black clamshell.
This friendly-looking prototype car could be rolling its own route within a few years, as Google takes another big step toward autonomous cars.
Nvidia sees driverless cars as a big opportunity for its new mobile processor
The Silicon Valley startup Unbounded Robotics wants to make its $50,000 robot a platform to develop the industrial worker of the future
You won’t have to buy a new car to get Apple’s CarPlay interface for your iPhone. Pioneer will be one of the first aftermarket manufacturers to offer it in an installable system for older cars.
Silicon Valley's Computer History Museum has launched an exhibit on the past, present, and future of driverless cars. We take a closer look in this video report.

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Via News Release
“W3i, a leading distribution and monetization network for app developers, announces its mobile social game investment subsidiary, Recharge Studios, completes a successful inaugural first quarter investing in twelve mobile social game titles.
Three months after launch, Recharge Studios has a dozen titles either in production or released including Dolphin Play and Daybreak Heroes, both titles already achieved top 25 overall rankings in the U.S. App Store. Dolphin Play has been downloaded more than 1 million times.
At GDC in March, SkyVu Pictures announced a partnership with Recharge Studios on its next title: BATTLE BEARS ROYALE. SkyVu Pictures recently passed more than 10 million downloads including 8 million for the wildly successful BATTLE BEARS franchise.”


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While the new Mercedes-Benz A-Class is quite an impressive hatchback which will enter series production this spring, it is also the first car with the new Mercedes-Benz User Experience (MBUX) infotainment system as a standard feature.
Powered by an Nvidia chip, the MBUX is described as a system that combines natural language processing, "silky-smooth" 3D graphics and an augmented reality boosted navigation system, bringing both better intuitive interactive and safety. The MBUX system will be available in three display versions, two 7-inch, 7-inch, and 10.25-inch or two 10.25-inch displays.
Although it looks like two tablets stitched together and placed where the dashboard should go, Nvidia claims that the chip will have more than enough computational capabilities to even support new and future applications. As it is updateable over-the-air and as speech and AI applications evolve, MBUX has the potential to offer much more.
Ola Källenius, board member for group research and Mercedes-Benz car development said that the company's mission was to take the user experience to a new level and by choosing the best technology available for AI they created a learning system that will better anticipate your preference the longer you use it.
The MBUX also has speech recognition and indirect commands, it will not only understand simple phrases like "raise temperature" but also much more complex ones like the “I’m cold. Make it warmer in here."
“Natural language with AI will be the preferred method of interacting with the car,” said Georges Massing, Daimler AG’s director of user interaction. “That’s because speech is the easiest — and safest — way to interact.”
The Mercedes-Benz A-Class will be the first car to get the MBUX but similar versions will also be available across its entire vehicle lineup in future.


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Premier Foods, maker of brands including Hovis, Mr Kipling cakes and Bisto gravy, has seen sales rise by 3% in the four months to April 25.
Sales in its baking division grew 6% during the period, which it attributes mainly to Hovis and the £15m relaunch of the brand last year.
Similarly, its chilled foods division enjoyed an 8% rise in sales, while its grocery division rose 6% driven by price hikes brought in last year.
Shares in Britain’s biggest food manufacturer lost two-thirds of their value last year, but have risen by 28% over the past three months. In March, it raised £379m of new equity. Private equity group Warburg Pincus took a 10% stake in the company, bringing in a total of £404m. It is part of its bid to cut its £1.7bn debt.
Chief executive Richard Schofield says its focus now is increasing its branded share of the categories it operates in through increased advertising, promotional support and new product development.
Premier relaunched its Hovis brand in September with new packaging and a two-minute TV ad created by Miles Calcraft Briginshaw Duffy. It celebrated the brand’s 122nd anniversary, with the ad showing a young boy depicted in different eras running home after buying a loaf of Hovis.


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Ebusco, a prominent player in the eBus industry, has signed a deal with Verkehrsbetrieb Potsdam (ViP) for the delivery of 23 state-of-the-art electric buses.
This significant contract includes 10 Ebusco 3.0 12-metre and 13 Ebusco 3.0 18-metre, slated to hit the streets of Potsdam in 2025.
The 12-metre vehicles are designed with a low floor and three doors, boasting a robust battery pack exceeding 350 kWh.
In parallel, the 18-metre units, featuring four doors, will be powered by an even larger battery pack surpassing 500 kWh.
What sets these buses apart is the inclusion of a pantograph in each, a first for the Ebusco 3.0 model.
The introduction of these environmentally friendly vehicles aligns with ViP’s commitment to gradually reduce the 5,000 tons of CO2 emissions generated by its bus fleet, aiming for completely emission-free operations by 2031.
ViP, managing a fleet of 59 units and serving over 30 million passengers annually, sees this order as a pivotal move in achieving its sustainability goals.
Collaborating with Ebusco, the transit authority plans to implement a pantograph charging infrastructure, marking the debut of this technology in the 3.0 model.
Notably, the pantograph has been successfully utilized in previous 2.2 models for several years.
Patrick Oosterveld, Sales Director of the company, expressed enthusiasm about the collaboration, stating:
“Ebusco has consistently played an important role in facilitating the initial adoption of eBuses. We are thrilled to continue contributing our wealth of knowledge and experience, playing a significant part in the successful implementation of electric buses.”
Bettina Biffi and Uwe Loeschmann, Managing Directors of Verkehrsbetrieb Potsdam, echoed the sentiment, emphasizing the strategic importance of this order in their journey toward an emission-free fleet.
“The order for 23 electric vehicles is our targeted step towards continuing to offer environmentally friendly public transport in Potsdam and keeping up with the latest technological developments,” they remarked.


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Today the market has been up and sideways basically, perhaps a little more defensive this afternoon,...
5 Restaurant Stocks Worth a Nibble
07/27/2011 9:00 am EST
Even in tough economies, restaurants have been able to outpace many other segments of the consumer discretionary segment. Innovation has been a factor in these companies’ ability to drive their sales and earnings growth, writes MoneyShow.com contributor Kate Stalter.
Innovation is one of the hallmarks of companies that amass solid track records of earnings and price growth.
Frequently, that innovation is inherent in a new or growing industry, such as cloud computing. But it can also come from new twists in old-line industries.
Today’s top-performing restaurant stocks offer several different examples of innovation. Chipotle Mexican Grill (CMG) has wowed customers and investors alike with its menu of gourmet burritos and tacos made with natural ingredients.
The company also has youth in its favor. Many stocks that went public within the last ten or 12 years are among the market’s biggest price movers. Their management teams are still energetic with fresh ideas, and there’s often still plenty of room to grow market share.
Chipotle made its NYSE debut in January 2006, and is up nearly 500% since its first month of trading. Earnings growth has been decelerating, but Wall Street sees a profit of $6.82 per share this year, a gain of 21% over 2010.
The stock’s price is extended beyond its most recent buy point at $296, but it’s worth tracking to see if the next pullback offers a new entry opportunity.
We’re Lovin’ It
Innovation isn’t always found at iconic, beloved brands that also happen to be Dow components, but McDonald’s (MCD) has been doing a good job of reinventing its product offerings in recent years.
In 2007, Mickey D’s began focusing on coffee sales in a challenge to Starbucks (SBUX). By 2010, its specialty brews were among the company’s top growth drivers.
Last week, the stock rallied to an all-time high, ahead of a second-quarter report that topped Wall Street views. It gapped up 2.3% Friday following that report, only pulling back slightly this week. Analysts said free WiFi, more 24-hour restaurants, and healthier offerings are contributing to greater sales.
Profit grew at a rate of 19% in the second quarter, its best showing in five quarters. Revenue increased 16%, the best rate in two years.
McDonald’s offers the benefit of combining price growth with dividend yield, making the stock appealing to a number of investors.
NEXT: Coffee Clutch|pagebreak|
While McDonald’s encroached on some of Starbucks’ business in the past few years, the Seattle-based coffee retailer didn’t just sit still and take it. Constant innovation has been a theme at Starbucks, with new food items, Via instant coffee, and global expansion spurring revenue growth.
Starbucks reports its second quarter on Thursday, with analysts expecting net income of 34 cents per share on sales of $2.85 billion. In the past four quarters, Starbucks met analysts’ views twice and beat twice.
Shares have been trading in a fairly tight range since the week ended July 1, holding gains following a 7.6% price jump that week.
Baking Up a Storm
Panera Bread (PNRA) is another restaurant chain that’s focused on carving out a unique niche. It was an early adopter of free WiFi to attract customers.
In the early days of wireless service at restaurants, many chains had initially feared that computer users would just take up table space without buying much, but that didn’t happen at Panera. Earnings grew in the past three years. In fact, while numerous companies from all sectors saw a profit decline in 2009, Panera earnings increased by 25%.
After the close Tuesday, Panera reported second-quarter earnings of $1.18 per share, a penny ahead of views. Revenue also topped analysts’ expectations. The company also raised its fiscal 2011 earnings view. However, it guided for 2012 to the lower end of its growth target.
Investors may have been disappointed in the 2012 guidance, because shares fell $5.60 in after-hours trading, a loss of 4.33%, to $123.68.
If the stock continues getting support in the vicinity of its ten-week average, a bounce above that line in the coming days or weeks could provide a new technical buy point.
Hardly Winging It
Sometimes companies enjoy success despite a concept that seems tried-and-true, rather than innovative. However, good execution often wins the day.
Neither sports bars nor chicken wings are anything revolutionary, but Minneapolis-based Buffalo Wild Wings (BLWD), which went public in November 2003, has found a formula for consistent growth.
Keeping the experience fresh for customers has been a big part of the company’s secret. New recipes and careful attention to the restaurant atmosphere have drawn crowds.
Lately, its bottom line has benefited from lower chicken prices. Now that an NFL strike has been averted, that could take some pressure off shares over the coming weeks and months.
The stock is another that ran to an all-time high this month, but subsequently gave up some of its gains. Its price is holding well above the stock’s ten-week moving average, and the selling has come in diminishing trading volume. That’s a sign that professional investors are likely just taking some profits following the run-up and ahead of earnings, rather than bailing out en masse.
Buffalo Wild Wings also reported its second quarter late Tuesday, earning 58 cents per share on revenue of $184.1 million. That missed bottom-line views by two cents, but beat revenue views handily.
Shares fell 25 cents in after-hours trade, down 0.38%, to $65. Watch the stock’s trading pattern in the next few sessions to see whether it can maintain support above key moving averages following the earnings report.
This is another example of a stock that may offer up a new entry point on the dip.
The restaurant segment of the economy has surprised investors more than once in the past few years, outpacing the broader market even in times of tight consumer spending. As many of these names are expected to continue showing good earnings growth in the coming quarters, they remain good investment candidates.
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Pokemon GO Holiday Event Is Extended From Christmas Day; Full Details Revealed
Instead of spending their days inside their homes on Christmas Day, Pokemon GO players now have a reason to go out and look for Pokemon. Finally, the Pokemon GO Christmas event is unveiled - and it will come on Christmas Day! Come Dec. 25, players will be able to enjoy plenty of bonuses in the game. More than that, Niantic decided to extend their holiday event until the early days of January.
The Disappointment Is Over
After a hopeful prediction and a disappointing update, Pokemon GO's much-awaited holiday event for real has finally come. This Dec. 25, Niantic will be giving out plenty of bonuses as a gift to their loyal players. The fun would also be extended from Dec. 25 to Jan. 8 where players will get plenty of chance to catch new Pokemon and hatch eggs easier.
What To Expect From The Latest Pokemon Go Holiday Event
On Christmas Day, Pokemon Go players will have higher chances of hatching other Pokemon like Togepi. This is because PokeStops will give more eggs and a one-time incubator to hatch a Pokemon for each day until the event lasts. Not only that, players will be able to find more Pokemon found in the Johto region and Pikachu will be seen more frequently with his festive hat on around the map.
Pokemon GO Christmas Event Extended Until New Year
From Dec. 30 until Jan. 8, Niantic will extend their holiday event until New Year with frequent appearance of starters from the Kanto region. Pokemon GO players will have more chances to catch Pokemon like Blastoise, Bulbasaur, Charmander, Charizard, Charmeleon, Ivysaur, Squirtle, Venusaur and Wartotle. Instead of just 30 minutes, lure modules will also be set to last for double the time, which means that it will be up for 60 minutes. Players who would like to know more about the event can go and visit the official post of the Pokemon Go team from Niantic.
Latest Pokemon GO Update Is Quite A Disappointment; But There Might Still Be A Way To Improve It
Pokemon GO's latest update is quite disappointing but there are three things that Niantic can do to improve it.
Pokemon Trading Can Be Done In Pokemon Sun And Moon; Here’s How
Want to trade your Pokemon with your friends in Pokemon Sun and Moon? Learn how.
Is There ‘More’ To The Pokemon GO Christmas Event? A Fan Theory Says So
There might be more to the Pokemon GO Christmas event - if a fan theory proves true.
Pokemon Go is Four: Earned $3.6 Billion to Celebrate!
Pokemon GO turns four this month and the game is stronger than ever. As Niantic hoped, the game has not lost its player base.
Solstice 2020 Pokemon Go: Catch Your Very Own Shiny Clefairy and Other Cool Pokemon
Niantic Inc. gives players a reason to start catching them all again. With the launch of the new event starting June 19 called the Solstice event, not only will players will have the chance to add Shiny Clefairy in their roster, but the solar-shaped Pokemons, Lunatone and Solrock will be change locations during the solstice-themed event.
MORE IN ITECHPOST
Startup Developed a Smart Face Mask That Translates Speech Into Eight Different Languages
A Japanese robotics company developed a smart face mask that can help communication between people wearing face coverings. It is capable of amplifying the wearer’s voice and translating speech into eight different languages.
Tech Leaders and Health Authorities Join Forces, Launch New Initiative to Help Fight Pandemic and Future Epidemics
Two contact tracing apps have been successfully launched recently in Canada and Ireland. The open-source code underlying these apps has been contributed to a newly launched initiative to help other countries and U.S. states in the fight against the pandemic.
Fairy Tail Game Releases a Season Pass, a Week After It Was Launched
The anime RPG Fairy Tail from Koei Tecmo has just released a season pass that will release additional characters and content into the game, just a week after it was launched.


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With the spread of the coronavirus across the United States, many employers were caught off-guard by the huge impact the virus has had on their ability to remain in business. This has been especially true of manufacturing facilities, since these employers often have hundreds of employees on the job at any time. In the case of CNC machinists, life in their machine shops has undergone many changes in the past few months. As for how they have adjusted to COVID-19, here are a few of the most innovative ways.
Increased Use of CAD/CAM Software
As production has shifted in many CNC machine shops from producing industrial parts to instead producing various types of medical supplies needed by hospitals and other healthcare facilities, most companies are now relying far more on CAD/CAM software to keep production levels high and to allow machinists to more quickly program machines to complete various tasks. In particular, many shops are making parts specifically designed for ventilators and oxygen concentrators, which are used with patients suffering from COVID-19 and related illnesses such as pneumonia.
Additional Workplace Protections
Since it is so critical to let workers return to work in machine shops as fast as possible, many shops are converting work stations to be safer for workers. This includes taking such steps as installing plastic shields around workstations or equipment, staggering work shifts of employees to avoid having large numbers of people in and around equipment, and using additional sanitizing procedures on machines and other related equipment.
While some manufacturers have experienced downturns economically due to COVID-19, the same cannot be said for most machine shops. In fact, they have been in a unique position to quickly adjust their manufacturing capabilities to suit production needs for medical equipment and PPE. At even smaller shops that have been able to secure contracts for work, production is going 24/7 and employees are often working in excess of 60 hours per week to meet current demand. According to industry experts, examples such as this are expected to continue into June or July.
Using Past Prototypes
At many CNC machine shops, past prototypes for other products are suddenly finding new life as parts that can be used for medical equipment. By examining various prototypes to see how they can be used for medical equipment, many shops have been able to keep production going and avoid layoffs by slightly altering certain prototypes to create much-needed parts for ventilators and PPE. Since CNC machines are numerically-controlled and much easier to program than machines used in the past, CNC machinists are able to make quick adjustments to get production started.
Relying More on 3-D Printing
In many manufacturing situations, CNC machinists are not only using various types of CNC equipment to manufacture various products, but also are using 3-D printers more often than usual. By doing so, they have been able to bypass much of the manual engineering aspects that go into producing parts for medical equipment, allowing them to produce parts the same day orders are received. By giving customers quotes in a matter of minutes and quickly manufacturing and shipping the necessary parts that day, many shops that normally would have been closed during the pandemic have instead found innovative ways to stay open and meet customer demands.
More Reliance on Remote Technology
While CNC machinists must of course have a physical presence within a shop in order to program equipment and make adjustments during the manufacturing process, they have also been relying more and more on remote technology such as Zoom to help them receive orders from customers. For example, many companies have now set up their websites to allow customers to submit 3-D CAD files. Once this is done, a CNC machinist can utilize various software to assess a party's ability to be manufactured, make suggestions regarding specific modifications, and send these back to the customer along with a quote.
While nobody knows how long the COVID-19 pandemic will last, it is clear that CNC machinists are using innovative methods to continue production in shops across the nation. By doing so, they are demonstrating just how important CNC machining is to the nation's economy.
Satellite internet technology is making huge advancements and has become more reliable during the past decade. However, it is far away from competing against its terrestrial competitors, such as cable and fiber-optic. We are not considering DSL connections because the speeds available are less reliable than any other network. Read more
The Internet has been the go-to source of people for information needed. Whether you want to learn a new recipe, look for the title of that song you just heard, or simply know what’s happening in your neighborhood, launching the web browser from your phone or computer seems to be a quick solution. Entrepreneurs have benefited from this practice. Read more
Businesses thrive when employees at all levels are working in tandem. But this may be easier said than done. Whether a company has a handful of employees or several hundred, business leaders often struggle to foster a culture of collaboration and efficiency. Read more


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Mediaset says its DTT pay platform Mediaset Premium won’t be sold for at least 12 months.
Publishing its third quarter financials the Italian media giant said Mediaset Premium had been independently managed since the notification by Canal Plus in October that it was no longer looking to purchase the operation.
Meanwhile, Mediaset Premium has been drawing revenues similar to those of a year ago in line with a largely unchanged offer.
Core pay-TV revenues from the sale of subscriptions, prepaid cards and revenues from the “Infinity” on-demand service rose by 12.6% to €457.4 million, compared to €406.1 million for the first nine months of 2015.
Mediaset said the original deadlock with Canal led to delays in the announcement of commercial offers for the 2016/2017 season, which in turn slowed down customer acquisition.


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Amazon POS System Review
Table of Contents
Overview of Amazon POS
While the new Amazon POS system is not out quite yet, we wanted to share the information that we currently know about the new software.
There’s been a rumor for some time that Amazon might be in the works to develop a new POS system to disrupt the market. Considering that Amazon has already created scan-and-go technology and has its own payment services utilized at its Amazon Go and Amazon Fresh Stores, it’s no big surprise that the online shopping giant is going after the small business market.
Is Best For
According to a leaked internal document, the new Amazon POS system is purported to handle in-store and online sales with inventory and checkout options available. The POS will be available for purchase by third-party sellers and will integrate other Amazon services like the Flex delivery network, palm-based ID technology, and Prime memberships.
“This will allow our small business (SMB) customers to unify their online and offline channel management including inventory, offer Amazon One for contactless recognition and payment, and offer a customizable loyalty program that can utilize Prime benefits.”
So what does this mean for the POS industry? The bottom line is that a point of sale from Amazon will be a real game-changer and allow small businesses to scale by combining all of Amazon’s tools for online and offline sales.
Also with Amazon’s 24/7 customer service, we believe small businesses will be served well when it comes to service and support.
Amazon POS Pricing
Pricing details coming soon. With over 2 million active third-party resellers, Amazon could pull a large number of merchants away from other POS companies to join the Amazon ecosystem. That being said, we’ll have to wait to see how everything works together (online and offline) and take a look at pricing, features, etc., to see how it’s going to compete in the POS marketplace.
Either way, we’re really excited about the potential to get our hands on the new Amazon POS solution when it’s available. Amazon isn’t confirming or denying a new POS, but you’ll be sure to find a full review of the Amazon POS if and when it has been released.
Compare prices fast, find the best deals as of November, 2023
Specification: Amazon POS


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The notion of purchase now pay later has been the general general opinion of American buyers for decades. Interest levels have been the primary problem as American consumers have almost accumulated almost $11 trillion in debt. The development of the credit card has made this ever so simple for Americans to get and buy because outstanding bills on a credit card has risen to much more than $800 billion. With the savings rate getting close to all-time levels, most customers don't have stores, and so all their vulnerable. For most of us, it's difficult to imagine lifestyle without charge cards as we arrange movie seat tickets, rental cars and hotel rooms, and that we pay college tuition, and buy each of our food every with credit cards. You identity an expense and we'll pay it simply by credit card whenever we can. Just about all Americans employ credit cards regardless if it's to defer payments on various other bills.
The American think of owning a house also can not be possible not having an established personal credit line. Without having established credit it will have no way a potential home owner may qualify for a home loan. The American dream of having a house in addition has seen People in the usa taking on much more than $8. eight trillion in mortgages, up an astounding 40 percent considering that the 2001 economic depression. The fast run-up in prices in recent years has made many homeowners feel prosperous, so they can ramp up day-to-day spending. Millions of Americans took advantage of low rates in recent times to refinance their mortgage, which has triggered $715 billion (2005) asking for against home equity.
It appears as if nevertheless in America and many more developed countries living a life without credit appears impossible to do. Without needing credit such as in America, qualifying for a auto loan or even a mortgage loan would be extremely difficult. At times of economic hardship, when every single good idea falls flat, when business can't afford new assets because of the high cost of borrowing, when ever mortgage costs have gone up so much which it becomes difficult to maintain a significant living standard, many tiny savers continue to think that large interest rates suggest at least that they get the most out of their savings. The truth is they pay much more than they get. Also according to our trusted government authorities movements the only method to control a deficit is to raise income taxes or to cut government spending. However , given that the deficit continues to grow due to the numbers of compound fascination added to the original debt, one of the effective ways to minimize the shortage would be to decrease interest rates while Lower interest levels = reduced deficit.


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Monopoly Finance Announces Mono Coin Launch on January 24th
Los Angeles, USA, 29th December 2023, ZEX PR WIRE, The Monopoly Finance team announced the launch of its new crypto platform on January 24th. A lending platform for meme coins and a unique NFT collection will be part of the project.
Monopoly Finance is already in presale and has listed on three exchanges already. Its roadmap will continue to change and constantly generate excitement about its project toward 2025.
A New Lending Platform for Meme Coins
Monopoly Finance’s core focus is creating a revolutionary lending platform for meme coins in the cryptocurrency market. This innovative platform allows users to borrow against their meme coins. Anyone can deposit tokens as collateral and receive up to 70% of their dollar value.
Users can also utilize other assets such as USDT, Bitcoin, TRON, and more as collateral for borrowing.
With this new lending platform, Monopoly Finance lets meme coin holders access liquidity and unlock the potential of their assets.
As the popularity of meme coins continues to rise in the crypto space, the project’s intent is clear. Monopoly’s lending platform intends to play a crucial role in empowering meme coin investors and traders.
Monopoly Finance Future Plans: Toward 2025
The lending platform mentioned above will be the last milestone in the project’s roadmap. Before that, Monopoly Finance has plans to achieve significant milestones, including:
In phase two, Monopoly Finance will continue to expand its reach by listing on more exchanges and strengthening its marketing efforts. The team also plans to launch its unique NFT collection, allowing Mono Coin holders to benefit from this high-value airdrop.
Looking towards 2025, Monopoly Finance has its sights set on the launch of its Mono Card. This card will allow users to shop at stores worldwide and make online purchases with a $9,000 monthly limit. Mono Card holders will also receive a $20 bonus upon activation and a 15% annual cashback, even with no purchases.
The team also has plans to expand its partnership network for the Mono Card and continue developing its lending platform. With these ambitious goals in mind, Monopoly Finance aims to become a major player in the crypto market.
About Monopoly Finance
Monopoly Finance is a new project in the crypto space aiming to bring new products and innovations to the Web3 market. With its experienced team, Monopoly will launch a meme coin lending platform and complete the other milestones in its roadmap.
Moreover, Monopoly Finance also plans to release a unique NFT collection and a Mono Visa Card with various benefits for holders. The project’s token supply is equal to 100M, with 30M coins going to the presale and no transaction taxes.
With big plans for the future, including further expansion of its partnership network and launching its iconic Mono Card. Monopoly Finance aims to become a major player in the crypto market by 2025.
It is possible to learn more about Monopoly Finance and its Mono Coin through its website and the social pages below.
ZEX PR Wire offers massive Press Release, News, Authored Articles, Editorial services, geared at generating massive exposure for your unique project, business, or concept.
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text:
July 19, 2023
Only a few days remaining until the Samsung Unpacked event, scheduled to take place on July 26 in Seoul, South Korea.
Things were already intriguing, and a confirmation from Samsung Mobile Head, Dr. TM Roh, takes it to a whole new level.
While there have been numerous leaks recently, an official confirmation holds more weight than many leaks combined.
In a Samsung Newsroom Post, TM Roh shared about the Galaxy foldable design strategy along with hint about upcoming foldable design.
TM Roh mentioned, “we’ve innovated to make our latest foldables slimmer and lighter than our previous generations.”
Both the Samsung Galaxy Z Fold 5 and Z Flip 5 are rumored to feature improved hinges that could address some of the downsides from previous generations.
IMG: SnoopyTech x XDA
As per some leaks, we know Galaxy Z Fold 5 hinge gap is almost gone. However, for the Galaxy Z Flip 5, render leaks show conflicting information.


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New Threat to Salisbury
If Russian conspiracies weren't enough, now Salisbury has to deal with Fork Handle Revival starting to trade on its patch!
Launching Saturday 2nd November with over 50 other new traders, Phoenix Emporium in Tollgate Lane will present specialists in arts and craft, collectibles, antiques vintage and retro.
There will also be a brand new cafe for customers to enjoy.
Fork Handle Revival will be presenting its latest unique "Revival" pieces, for the first time, all in one place. Its going to be quite special.
We are working hard this week to add more design features and stock to the stall.
We hope to see you there, after the Rugby?!


text:
While I don't doubt the guys reading this are awesome (ish) in bed, if they want to up their games or keep their bedroom skills sharp as they get older, they should start eating blueberries.
A new study published in The American Journal of Clinical Nutrition found men who regularly ate foods high in flavonoids, nutrients found in plants, were less likely to suffer from erectile dysfunction (ED) as they aged.
The study examined the eating habits of over 25,000 men every four years (in 2000, 2004 and 2008) and asked them to self-rate their ED over time.
The ED risk was reportedly 14 percent lower for men who ate the most flavonoids.
Before you rush to the grocery store to stock up on blueberries, you should know flavonoids aren't just in that fruit; they're also found in strawberries, bananas, oranges, lemons and raspberries, to name a few, as well as red wine.
Looking for yet another way to prevent (or help) ED?
Research conducted out of the University of Texas Health Science Center at Houston in 2015 found consuming between 85 and 170 milligrams of caffeine every day made men a whopping 42 percent less likely to suffer from ED.
In other words, drink your coffee and red wine, and stuff your face with berries. Sounds a whole lot better than Viagra.


text:
Watchdog to probe banks' failure to lend to small businesses despite massive expansion of funds from the Government
- New Competition and Markets Authority to undertake probe into banks
- Will investigate the failure to lend to struggling small businesses
- Watchdog due to take over from Competition Commission and Office of Fair Trading next month
The new competition watchdog is to investigate the banks’ failure to lend to small businesses.
It will be the first major probe undertaken by the Competition and Markets Authority, which takes over from the Competition Commission and the Office of Fair Trading next month.
It marks a victory for the Daily Mail’s ‘Make the Banks Lend’ campaign launched in July 2010 to highlight the plight of small firms, which need money to grow.
The Competition and Markets Authority will look into banks' failure to lend to small businesses (library image)
The OFT began a review of small business lending last year, amid concerns that healthy firms were being starved of credit.
Banking industry insiders confirmed yesterday that it had found sufficient evidence of wrongdoing to recommend a full-scale inquiry by the CMA.
The investigation will pile more pressure on the High Street giants.
About £42billion of cheap money has been made available in lending schemes over the past 18 months but although households have benefited from cheap mortgages, lending to small firms continues to fall.
Between April 1 and December 31 last year, firms made repayments that totalled £1.32billion more than they received in loans.


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It seems as though every day, there is a new headline about fake news, information security, and data breaches, but could we ever have imagined one of our most widely used social sites to be in the center of it all? This past month, Facebook has encountered some of its own roadblocks with these popular issues. But to fully understand why #DeleteFacebook is now one of the most trending topics, we must first unpack the purpose and influence of the company itself.
What does Facebook provide for marketers?
Facebook is home to the largest online platform for advertising and marketing professionals to date, with 2 billion monthly users as of June 2017. The social media site which has quickly expanded into a powerful influencer of all things political, cultural and religious, just to name a few, brought in just under $40 billion dollars in revenue from digital ads in 2017 alone. Since their start in 2004, Facebook has altered the algorithm for which ads are shown to select users several times, which has caused quite an uproar in the professional and user spheres alike. Essentially, targeted advertisements draw on the bank of personal information that users provide when creating their profiles along with several categorical frameworks based upon the actions they take while using the site, such as likes, interests, and groups.
So, what went wrong?
When we sign up to become users of Facebook, we make a mutual agreement to share our information with the company under their security and privacy policies, trusting that this agreement will be upheld. In March of 2018, the age of mistrust brought yet another disappointment to the public at large when Cambridge Analytica, a partner data analytics firm for Facebook, was found to have improperly accessed and utilized the private information of up to 87 million users. Mark Zuckerberg, Founder, and CEO of Facebook has blamed the data breach and miscommunication upon himself saying, “We didn’t take a broad enough view on what our responsibility was and that was a huge mistake. That was my mistake….” Although we don’t necessarily have to be worried about our information leading to any public personal repercussions, the information used has impacted specifically the targeting of political advertisements during the 2016 presidential election. Looking back, how could the prevention of this data breach have influenced the results of multiple campaigns and the election as a whole? We will never know.
Why the #deletefacebook movement?
In response to a feeling of betrayal and misuse of personal information, many users of Facebook have taken a stand to delete their profiles in an effort to show that the security of the public should never be undermined by a digital company that has been fully fueled by its users. Even technology figures such as Apple co-founder Steve Wozniak and Tesla and SpaceX founder Elon Musk have joined the movement, deleting their pages on Facebook for at least the time being while privacy policies are altered and wrongs are made right in light of the recent breach. Although there was a slight period of doubt in the company and a large slide in its stock as a result, Facebook is expected to make a quick bounce back to its previous value as the scandal falls to the bottom of the news ‘barrell’.
Zuckerberg took to Capitol Hill last Tuesday and Wednesday to endure 10 plus hours of hearings in front of the House and Senate committees in an effort to answer inquiries about the scandal, discuss cybersecurity and privacy policies, understand how Washington can better protect individuals on these sorts of platforms, and define what the role of Facebook, along with other companies of the same realm, is in the growing digital age.
If Facebook were to lose a significant amount of users in the aftermath of this event, advertisers could be frantically searching for alternate routes to reach specific audiences who might have been deserted in the movement. This holds ample possibilities for other social networks such as Snap Inc. to take lead in the sphere of digital advertising. But let’s not get too ahead of ourselves in doubting the company that arguably started it all. We will just have to wait and see how Facebook faces the journey post-breach and alters their practices to maintain user’s privacy and security in the era of user’s rights.
Are you a loyal user or a #deletefacebook advocate? Let us know your thoughts below!


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AT&T Launching "Next" Phone Upgrade Plan Starting July 26, Verizon to Announce "VZ Edge" Plan
July 16, 2013 8:04 AM
comment(s) - last by
Both are similar to T-Mobile's new "Jump!" plan in that they allow customers to upgrade their devices sooner
T-Mobile isn't the only U.S. carrier rolling out a new upgrade plan: AT&T just introduced its "Next" plan, and Verizon is expected to detail its "VZ Edge" upgrade option in the near future as well.
AT&T announced this week that it will offer a "Next" plan, which will allow customers to upgrade their devices more frequently. More specifically, the plan will let customers trade in their smartphones and tablets every 12 months on a post-paid basis -- meaning they pay a monthly fee on top of their regular AT&T plan based on a 20-month cycle.
For example, if a customer were to get a new smartphone or tablet, the retail cost of the device would be divided by 20. That number would then be added to the monthly bill on top of the traditional or family-share AT&T plan. In 12 months, the customer can upgrade to a new device and start the process over again.
The "Next" plan won't lay any extra fees on the customer other than the retail price divided by 20, but customers will be forced to pay the remaining months’ fees.
You can expect to see "Next" roll out on July 26.
This isn't AT&T's only new upgrade plan on the block, but some may think it's better than what the carrier introduced last month. In June, AT&T announced the
new 24-month upgrade policy
, which allows customers to upgrade their phones in 24 months instead of the previous 20-month period. It applies to any customer whose agreement expires in March 2014 or later.
Last week, T-Mobile launched its
new "Jump!" program
, which lets customers upgrade every six months for an extra $10 fee each month on top of their regular, monthly wireless charges. However, it differs from the "Next" plan in that it applies to only smartphones, not tablets. Also, customers have to pay the $10 monthly fee unlike AT&T, which doesn't require an activation fee or down-payment for using its plan, but does make customers pay the remaining months’ fees.
Verizon, the No. 1 carrier in the U.S., won't be left behind in the new round of upgrade plans. While Verizon hasn't announced it yet, it looks to be planning a big reveal of
the "VZ Edge" plan
, which reportedly allow customers to upgrade to new devices as soon as they pay off 50 percent of their current smartphone.
So what is Sprint doing as all the other major U.S. carriers roll out new upgrade options? There's no sign of something similar coming from the company, but it's keeping its edge by offering unlimited plans -- which no longer exist with Verizon and AT&T.
All Things D
This article is over a month old, voting and posting comments is disabled
RE: Muddied Waters
7/16/2013 11:21:34 AM
"If you look at the last five years, if you look at what major innovations have occurred in computing technology, every single one of them came from AMD. Not a single innovation came from Intel." -- AMD CEO Hector Ruiz in 2007
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text:
Innovation in India’s digital payment mechanism has been at its peak in the last few years. The fact that tech startups, government bodies, and regulators, have all been on the same page, has made the digital payments experience smooth.
While digital payments have now reached India’s smallest of towns and cities, unreliable internet connection is still a major deterrent for people to adopt online payments.
Taking notice of this fact, last year in September, the Reserve Bank of India (RBI) had launched pilot programs that let people send and receive money digitally without any internet connection.
Between September 2020 and June this year, RBI ran three pilots in different parts of the country to see if digital payments would work seamlessly if there were no internet connection. It also wanted to see if there would be many takers of this innovative technology.
In a bi-monthly review meeting of the Monetary Policy Committee held on Friday, RBI said people made small-value transactions worth Rs 1.16 crore during the course of the pilot. In total, there were 2.41 lakh transactions made using cards and digital wallets. The upper limit for each digital transaction was capped at Rs 200.
“The learnings indicate that there is a scope to introduce such solutions, especially in remote areas. Given the experience gained from the pilots and the encouraging feedback, it is proposed to introduce a framework for carrying out retail digital payments in offline mode across the country,” RBI said in a statement on Friday.
It is quite evident that RBI is pumped up with the outcome of the three pilots. And now, it’s going to introduce a framework for such offline digital payments across the country. RBI will soon issue detailed guidelines on how it will be implemented.
“This will further expand the reach of digital payments and open up new opportunities for individuals and businesses,” said Shaktikanta Das, Governor of RBI.
RBI increases IMPS limit to Rs 5 lakh
In its meeting, RBI dropped one more piece of good news that’s set to benefit the digital payment ecosystem exponentially.
RBI has decided to take digital transactions a notch higher than what it is right now. To that effect, the apex bank has increased the limit of IMPS transactions from the current Rs 2 lakh to Rs 5 lakh per transaction.
This is largely going to benefit merchants as till now they have had to split payments into different transactions since IMPS is capped at Rs 2 lakh.
Benefits of using IMPS
Immediate Payment Service or IMPS was launched by the National Payment Council of India in 2010. Currently, it’s one of the most used payment methods in India. Let’s quickly look at a few benefits of using IMPS:
- Instant fund transfer: In comparison with RTGS (Real-Time Gross Settlements) and NEFT (National Electronic Funds Transfer) payment rails, which are bound by banking hours, IMPS provides a much quicker settlement for merchants. The money gets transferred immediately.
- Available 365 days: IMPS doesn’t take any holidays and works on all weekends and bank holidays. This got to be the best feature of IMPS, as it takes away the legacy problem of India’s payment system where merchants had to wait for the weekend to get over to accept or pay money.
- Simple process: The simplicity with which IMPS transactions happen makes it one of the most versatile payments rail in the country. Apart from working on smartphones, merchants can also use IMPS via SMS or using an ATM. Such wide usability certainly increases its reach.
The recently proposed changes in the upper limit of every IMPS transaction will highly benefit merchants who have had to suffer because of this limit.
As a merchant, if you haven’t tried Paytm Payment Gateway to easily accept payments from your customers, give it a try and change how you collect payments.


text:
LEBANON, Tenn., Feb. 8, 2022 /PRNewswire/ -- Cracker Barrel Old Country Store, Inc. ("Cracker Barrel" or the "Company") (Nasdaq: CBRL) will provide an online, real-time webcast and rebroadcast of its second quarter earnings conference call on Tuesday, February 22, 2022 beginning at 11:00 a.m. Eastern Time. Company management will discuss financial results for the fiscal second quarter ended January 28, 2022.
The live broadcast of Cracker Barrel's quarterly conference call will be available to the public online in the Events and Presentations section on the Company's website at investor.crackerbarrel.com on February 22, 2022 beginning at 11:00 a.m. Eastern Time. An online replay will be available at 2:00 p.m. Eastern Time and continue through March 8, 2022.
Cracker Barrel Old Country Store, Inc. (Nasdaq: CBRL) was established in 1969 in Lebanon, Tenn. and operates more than 660 Cracker Barrel locations and owns the fast-casual Maple Street Biscuit Company.
CBRL - F
View original content to download multimedia:https://www.prnewswire.com/news-releases/cracker-barrel-fiscal-2022-second-quarter-conference-call-on-the-internet-301476562.html
SOURCE Cracker Barrel Old Country Store, Inc.


text:
Ubisoft quietly delays Roller Champions
Ubisoft’s competitive roller derby–inspired multiplayer game, Roller Champions, will now launch in “late spring.”
According to a community update on the game’s Discord server (via Tom Henderson), Ubisoft needs “a bit more time to deliver the successful game you deserve.” Ubisoft originally planned to launch the game last year before delaying it to sometime in FY22, which for Ubisoft spans from April 1st, 2021 to March 31st, 2022.
Roller Champions previously ran a closed beta back in June 2021. That’s about the last update we had on the game until now. Roller Champions will launch for PlayStation 4, Xbox One, Nintendo Switch, PC and mobile.


text:
Folding phones can still be considered ‘fringe’ tech, and while not a lot of people have direct access to one, they’re becoming increasingly available. But the folding display tech in these don’t reflect what we would expect in a ‘bendable display’, but LG may have the answer with its ‘Real Folding Window’.
This one’s interesting because it’s not purely plastic — like most foldable devices — and the company says it’s as hard as glass but it lacks the whole breaking thing.
LG’s rollin’ in PET
According to reports, LG details ‘new material’ which is used to coat a sheet of plastic film (or PET film) which is used in most plastic consumable product packaging. So the same stuff a water bottle’s made of, but really thin, and coated in a newly invented film that kinda acts like glass? Right.
“The idea is that if you apply that coating to the plastic and then apply that cover material to a flexible OLED panel, you’ll have a folding screen that lasts longer and with a less noticeable crease than today’s folding devices. LG says it should be more competitive on price, too,” The Verge details.
Unlike foldable phones currently on the market, LG’s solution will allow for full ‘rollability’ and will apparently decrease the crease, which is a nice touch. It’ll be capable of folding the display outward, not just inward. We should remember that LG made the world’s first commercial rollable TV back in 2020.
According to the company, it’ll definitely have the tech available for consumers sometime — but that time is only around 2023, as it’s still working on it.


text:
The Surprising Resilience of the American Consumer (Taylor's Version)
If US consumers are concerned about an impending recession, they are not showing it. Despite costs of living rising nearly everywhere and economic doomsday scenarios governing national news, household spending in the US has remained flat in nominal terms. This is largely attributable to savings build up throughout the pandemic, when Americans, devoid of opportunities to spend, stashed away some $2.1 trillion. Now, nearly two years into the economy’s reopening, they are still making up for lost time, and between abstract assessments of consumer price indices, nonfarm payrolls, and mortgage costs, it is easy to lose track of what the American consumer is really thinking about: Taylor Swift.
Throughout the depths of Covid lockdowns, artists holed up in home studios, doled out a steady stream of pandemic soundtracks and fans, starved of live experiences for two years, are now rushing to see them live. And they are not being stingy. The 3.8 million lucky fans attending one of Taylor Swift’s 60 concerts of the US-leg of her Eras tour reportedly spent an average of $1,300. on the experience; $4.9 billion in aggregate, roughly the annual economic output of Fiji. In the grand scheme, the tour is of course merely a fragment of the wider US economy, and anecdotal evidence at that. Yet, it gives intriguing insights in consumer spending patterns.
First, the scope of the spending is immense. Of the $1,300 spent on average, only $250 is attributable to the cost of the ticket , leaving more than $1,000 for merchandise, transport, accommodation, and hospitality. Consumers are still willing to spend big even on items outside the “core” experience. This was clearly visible in inflation figures over the past 15 months, with hospitality, leisure and transport services suffering from significant wage pressures as businesses struggled to find the resources to serve the surge in demand. Still, this allowed local economies to thrive despite gradually tighter monetary policy.
Secondly, it does not look like they are done. Extra tour dates are being added and sold out well into 2024. Indeed, a recent McKinsey report noted that more than 40% of Americans “intend to splurge” in the coming months, specifically with regards to experiences and services. If the most widely anticipated recession in history is to materialise in the immediate future, consumers do not seem too worried.
Can’t Stop, Won’t Stop Groovin’
Measured by anecdotal evidence such as this, Consumer sentiment paints an optimistic picture of spending over the coming months. Households have burned through much of their excess savings since the economy has reopened but have another $500bn to go before reaching pre-pandemic levels; a sufficient buffer to support spending until the end of year at least. In the meantime, hiring is beginning to normalise and wage pressures in key industries are continuing to abate. Inflation, while not at acceptable levels, has moderated enough to allow wages to grow in real terms, enabling consumers to recoup some of their lost savings even as they continue to chase their favourite artists across the country.
Undoubtedly, tighter monetary conditions will lead to a slowdown in growth in the US and Globally. However, consumers are well positioned to support the economy even throughout a mild downturn. It might not be such a Cruel Summer after all.
 Federal Reserve Bank of San Francisco (https://www.frbsf.org/economic-research/publications/economic-letter/2023/may/rise-and-fall-of-pandemic-excess-savings/)
 QuestionPro (https://www.globenewswire.com/en/news-release/2023/06/08/2684710/0/en/Generating-5-billion-the-Taylor-Swift-The-Eras-Tour-has-an-Economic-Impact-Greater-than-50-Countries.html)
: World Bank
: Forbes (https://www.forbesindia.com/article/lifes/from-taylor-swift-to-bad-bunny-top-10-highestgrossing-live-concert-tours-of-2023-so-far/86209/1)
: US Bureau of Labor Statistics
: McKinsey (https://www.mckinsey.com/featured-insights/sustainable-inclusive-growth/chart-of-the-day/splurging-during-uncertainty)
: Federal Reserve Bank of San Francisco (https://www.frbsf.org/economic-research/publications/economic-letter/2023/may/rise-and-fall-of-pandemic-excess-savings/)


text:
GENDER GAP SEEN IN BUSINESS LOANS
Ideas presented on how federal lawmakers can help female entrepreneurs succeed
Starting and running a small business is challenging enough, especially right now, with the economic recovery still struggling to find its footing. It can be all the more difficult if you’re female.
A new congressional report found that women own nearly a third of the country’s small businesses, yet they account for less than 5 percent of the money borrowed through traditional small-business loans.
Some of that, the researchers note, is probably because the types of companies commonly run by female entrepreneurs — think small retail operations and other consumer-facing businesses — require less funding to get off the ground. Consequently, a disproportionately large number of female entrepreneurs seek what are often considered “microloans,” which generally fall between $5,000 and $50,000.
But the report, released last week by the Senate Small Business and Entrepreneurship Committee, notes that the gap in dollars awarded cannot be entirely attributed to the size of loans women are seeking. Rather, researchers found that female business owners are more often turned down for loans than their male counterparts, and those who do manage to secure capital generally do so under much less favorable terms. “Women entrepreneurs still face a glass ceiling,” the authors of the Senate report wrote.
And despite programs intended to direct government work to women-owned firms, many more federal contracts still go to companies owned by men, according to the Senate committee study. Moreover, women receive only a small fraction of venture-capital dollars.
During a Senate hearing last week, several female business leaders and policymakers pitched their recommendations. Here are a few of their ideas.
Barbara Corcoran, founder of the Corcoran Group in New York and shark investor on ABC’s “Shark Tank,” said too few entrepreneurs are aware of the resources offered by the Small Business Administration. She thinks the agency is missing out on strategic partnership opportunities that could help drive referrals to its lending and counseling services. “We need to take what’s working and build a better communication system around it,” she said during the hearing.
Veronica Davis, partner and principal planning manager of the business consultancy Nspiregreen in Washington, suggested that the SBA ease restrictions on its microloan program — an initiative popular with women-owned firms, under which the SBA provides loan funds through third-party nonprofits. She said the current effort includes too many rules that preclude those nonprofits from tailoring their offerings to best meet the needs of the borrower.
Sen. Maria Cantwell, D-Wash., chair of the committee, noted in an interview after the hearing that many women often are looking for more capital than they can put on credit cards but less than the $300,000-and-up loans available through the SBA’s most popular lending programs. “They need that intermediate step,” she said.
She said the committee may consider legislation that would expand the SBA’s lending offerings to try to address the gap in the $50,000-to-$300,000 range.


text:
Visitors to Cleethorpes Country Park have been accused of leaving human excrement among a pile of rubbish.
And a park user has expressed her disgust after finding the waste, which also included a shopping trolley, items of children's clothing and an abandoned tent.
It comes after various incidents of littering and fly-tipping have been reported in recent weeks as lockdown measures have gradually been eased and groups of up to six people have been allowed to meet up outdoors.
The rubbish dumped in Cleethorpes Country Park was photographed by dog walker Jenny Bartram and also included food and drink wrappings, as well as fishing wire.
She wrote on Facebook: "Absolutely disgusted - all this was found in Cleethorpes Country Park, opposite the island where fishermen pitch tents.
"Amongst items of rubbish were items of clothing and fishing wire, which got tangled around my wellies, thankfully not one of the cygnets.
"Fires had been lit there and human excrement left.
"I used my doggy bags to place over my hands to clear this up before more blew in the lake."
Jenny said she had spotted children using the tent last Tuesday but found it abandoned with the other rubbish two days later.
She said those responsible for leaving the waste were being "downright disrespectful to our environment and everyone that uses it".
People can be fined £200 by North East Lincolnshire Council if they are caught littering.
The council has previously shared its "disappointment" over people leaving rubbish behind in Cleethorpes after incidents of littering in recent weeks.
Just two weeks ago, visitors dumped a children’s potty, empty beer and cider cans, pizza boxes and other fast-food wrappings in and around Cleethorpes, including in parks and on the beach.
At the time, a North East Lincolnshire Council spokesperson said: "We want our resort to be a clean, green and tidy place for everyone to enjoy.
"A small number of people are not being fair and ruining our beautiful coastline for others. Their litter can also be harmful to wildlife.
"Please put your rubbish in a bin. If a bin is full, then take your rubbish home with you, or alternatively you could try to reduce your waste by bringing reusable alternatives."


text:
Van Lanschot: Annual General Meeting adopts 2016 financial statements and approves name change of the group in Van Lanschot Kempen
On 18 May 2017, Van Lanschot NV’s Annual General Meeting (AGM) adopted the 2016 financial statements. The AGM held today in ’s-Hertogenbosch also voted in favour of all other resolutions.
This also included the proposed name change of the listed entity to Van Lanschot Kempen NV. The change of the name will be visible in a new brand for the group, to be introduced before summer. Van Lanschot for Private Banking, Kempen for Asset Management and Merchant Banking, and Evi van Lanschot continue to be the commercial brands and face to the market.
Shareholders agreed to the proposed pay-out of a cash dividend of €1.20 per Class A ordinary share.


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CHICAGO (MarketWatch) -- Wet Seal Inc. will take a $2 million cash charge and a $13.3 million non-cash charge against results for the second quarter related to a consulting agreement with retailing veteran Michael Gold, the teen-wear retailer said Monday.
The Foothill Ranch, Calif.-based company, parent of the namesake Wet Seal chain as well as Arden B. stores, said it also will record compensation expenses of $300,000 in the third and four quarters of fiscal 2005 as well as each quarter in fiscal 2006.
Shares of Wet Seal WTSLA jumped 3.6%, rising lately by 21 cents to $6.08.
The charges will cover the costs of hiring the well-known Canadian retail expert for a two-year contract to help turn the company around. Gold will be paid $2.8 million for the fiscal year ending in January and $1.2 million for the following fiscal year.
He also is getting 2 million shares of restricted stock that will vest on Jan. 28, 2006, the last day of the fiscal year.
Plus, he's on track to receive two tranches of performance shares of 1.75 million each. Charges for those will be recorded over the 30-month period ending Jan. 1, 2008, on a variable basis, the company said.
The amount and timing of the charges will depend on the stock's price and on whether Gold has met his stock price performance hurdles.
If all the hurdles are cleared, Wet Seal said the non-cash compensation charge will be at least $20 million over the 30-month period.


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The company 3M, which makes everything from Scotch tape to Post-it notes, says it is still interested in acquiring Avery Dennison Corporation, which makes labeling and packaging materials. Yesterday, the Justice Department said the deal had been dropped because of the government’s concerns that a combined company would hurt competition in the market for labels and sticky notes. The department said combining the two companies would account for 80 percent of the market.
The sticking point for the Justice Department was the fact that consumers were paying so little for the products, said Ghansham Panjabi, an analyst who follows the industry for Robert Baird and Company. While Avery dominated the mailing label part of the industry, “3M came in, lowered the price points for you and I as consumers, just because there was more competition,” he said.
How major is the sticky notes industry as a whole that the Justice Department needed to worry about it? “It is a little bit unusual that they would take such a hard line against this transaction,” said Panjabi. “But I guess it’s not fully done yet, and both companies intend to proceed.”
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Written by The Business Journal Staff
Livingston-based Foster Farms is recalling more than 130,000 pounds of frozen chicken patties that may be contaminated with plastic.
The U.S. Department of Agriculture’s Food Safety and Inspection Service made the announcement Thursday on 5-pound bags containing 20 ready-to-eat breaded chicken patties produced on Feb. 15 at a Foster Farms plant in Farmerville, Louisiana.
The products subject to recall bear an establishment number “P-33901” inside the USDA inspection marks. They were shipped to distribution centers in Alaska, Arizona, California, Utah and Washington.
The problem was discovered after three consumer complaints on March 22, April 3 and April 15. The foreign materials were pieces of clear, soft plastic that originated from packaging materials. There have been no confirmed reports of adverse reactions due to the consumption of the products.
Consumers who have purchased these products are urged not to consume them. These products should be thrown away or returned to the place of purchase.
Consumers with questions about the recall can contact Consumer Affairs at 800-338-8051.


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After launching Poco M2, the Chinese smartphone company’s sub-brand Poco is all set to launch the follow up of this existing device which is Poco M3. The device is confirmed to launch on November 24. The device is the third model of the company’s M series. Just ahead of the launch the specifications and design of the upcoming smartphone have been leaked on the web. Though the smartphone has been leaked many times previously, this time the camera details of the budget smartphone has been revealed.
As per the leaked CAD renders of Poco M3 the device is shown featuring a large black coloured rear camera set up covering one-third space of the back panel. Though the large camera panel only carries three sensors with LED flash and a Poco branding. While the back panel has a textured finish for better grip. The front panel has a bezel-less design and a waterdrop notch to house a selfie camera. While the fingerprint scanner and volume rocker are stated to be embedded on the right side of the phone. The SIM card slot has been given on the left side of the frame.
— POCO (@POCOGlobal) November 22, 2020
In addition to this, the renders also reveal the yellow and blue colour options while the rumours also suggest three colour variants black, yellow, and blue.
As far as the internals of the Poco M3 are concerned it is confirmed to feature an FHD+ 6.53-inch display with a 60Hz refresh rate. It will be powered by octa-core Qualcomm Snapdragon 662 SoC while the rumours suggested a 4GB RAM. It is expected to house a 6,000mAh battery with 18W fast charging support. The Poco M3 is said to run on MIUI 12 for Poco based on top of Android 10. Camera details of the smartphone still remain unknown while it’s tipped to have a 48-megapixel primary sensor. The device is also speculated to be a rebadged variant of Redmi Note 10
As of now, there is no word from the company in terms of pricing. The Poco M3 launch will take place through a virtual event on November 24 at 5.30 PM IST
For the latest gadget and tech news, and gadget reviews, follow us on Twitter, Facebook and Instagram. For newest tech & gadget videos subscribe to our YouTube Channel. You can also stay up to date using the Gadget Bridge Android App.


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David Pitt-Watson’s research paper comparing UK pensions with other European countries generated plenty of easy headlines last year, painting a picture of a bloated pensions industry intent on ripping off consumers with high charges. Combined with the BBC Panorama programme’s controversial pensions documentary, much of the media was sent into a frenzy, devouring the eye-watering cost figures and further increasing the general public’s mistrust of the pension industry.
But the research also created an avalanche of criticism from IFAs who suggested its use of a 1.5 per cent AMC
hugely exaggerated the costs of many UK pensions.
Advisers suggested it was unfair to make comparisons as the compulsory schemes used in the research allowed economies of scale unavailable in the UK. This month, Retirement Strategy catches up with Pitt-Watson and finds him in an unrepentant mood.
He says the 1.5 per cent figure was used to make a general point rather than to provide an accurate figure for all investors and that many people are suffering unreasonably high charges. Pitt-Watson makes some interesting observations about the benefits of Dutch investors being collectively invested and not having to suffer the lower returns associated with de-risking investments in the run-up to and during retirement.
Whether politicians have enough hunger for this type of radical transformation of the UK pension system is debatable although I am sure John Hutton has taken careful note of such models as part of his work on public sector reform.
Elsewhere in this issue, The Retirement Partnership director Billy Burrows says it is time for the industry to come up with a new term for third-way products to improve consumer understanding of the various options on offer.
There has been plenty of movement in the so-called thirdway market, a vague term which has been used to describe any products which offer a combination of income, guarantees and investment flexibility. A number of firms with grand plans have been forced to pull out of the market although it is encouraging that well known brands such as Aviva and Just Retirement are soon to enter the fixed-term space. In this month’s head to head the CBI and Age UK debate whether the Government has struck
As always, any comments about the publication or suggestions for subjects to explore in future issues should be sent to firstname.lastname@example.org


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ERA opposes Marsaskala shopping mall, ‘quarry should be reverted to agriculture’
The Environment and Resources Authority is objecting to a commercial and retail complex proposed in a long disused quarry opposite the Marsaskala Family Park
21 April 2017, 8:30am
In a memo presented to the authority last week ERA claimed that if approved the development would introduce commercial and urban development in a quarry which should “preferably be reinstated back to agriculture use, considering its location along an urban fringe”.
The authority has no power to veto planning decisions taken by the authority but issues recommendations on all applications presented to the authority.
The long disused 9,750 square metre quarry opposite the Marsaskala Family Park is being proposed for massive commercial development including retail outlets, a drive-through restaurant, offices and restaurants.
In its submissions to the Planning Authority, ERA insisted that retail and commercial development is more appropriate in urban areas which are already designated for such use.
Although site being a disused quarry adjacent to an existing arterial road is not environmentally sensitive the environmental quality of this rural area can only be improved theorugh “the retention of the area as open space and its possible restoration into agricultural uses.”
Flimkien Ghal Ambjent Ahjar has also objected to the application claiming that this is in breach of various policies including the SPED which excludes development in rural areas when this is not legitimate or necessarty.
“Under no circumstances can the commercial activities being proposed be considered beneficial to the community. The proposal is a purely commercial venture and cannot be considered as just reason for the take up of ODZ land.”
The development includes a basement carpark, a 3,080 sq.m commercial outlet and 748 sq.m restaurant and a 330 sq.m drive thru at ground floor level, 2,080 sq.m of offices at the first floor level and a landscaped roof.
The development located outside development zone, opposite the family park and the sewage recycling plant is being proposed by Ephriam Schembri who owns the site.
Other objections have been presented by Nature Trust and Front Harsien ODZ.
Environmental NGO Nature Trust objected to the redevelopment of the long disused quarry, which operated before 1968 arguing that the quarry should be rehabilitated to its natural state by planting with trees and shrubs.
Nature Trust insists that such an application would lead to urban sprawl especially in view of the fact that a large part of Zonqor has already been given up for the development of the American University campus.
James Debono is MaltaToday's chief reporter on environment, planning and land use issues, ...
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According to gardening experts, mowing your lawn could be causing it damage if you're not doing it right.
Regular mowing is vital for a healthy lawn as cutting encourages the grass to grow more thickly, creating a luxuriant look.
It also makes the grass tougher while chopping down the weeds before they spread, The Express reported.
READ MORE: For the latest real life news click here
The mowing specialists at Flymo have shared how gardeners can get the best out of their lawns this spring - and one of the key tips is to only trim the tips.
You should ensure your mower is not chopping more than a third of the blades of grass.
It's simple to move the wheels on most lawnmowers to adjust the cutting height.
If, particularly after the winter, the grass is long, the advice is to start with a less severe trim.
They said: “When cutting your lawn for the first time you should always follow the one third rule.
“Never cut more than a third of the blade of grass in one go, as cutting more than this can stress the grass.
“You should gradually reduce the grass length over a number of weeks to reach the desired length.”
With the weather warming up soon and the constant possibility of rain, it can make grass blades shoot up so fast that you can almost watch your lawn grow.
With this vigorous growth, it's tempting to set your mower to its lowest height to avoid frequent mowing.
However, the experts noted how gardeners need to avoid cutting their grass “too short” straight away.
They said: “Cutting the grass too short, too fast is known as ‘scalping’ which can lead to disease and weed infestation.”
They also advised gardeners on how to cut new grass without causing any damage.
The gardening experts said: “New grass that has been grown from the seed will be noticeably weaker than the rest of the lawn and can be easily damaged if cut incorrectly.
“It’s best to wait until the grass has grown over three inches in length until mowing for the first time to allow it time to build up strength.”
Typically, it is suggested to give the lawn its first cut when the grass is 7cm to 8cm tall.
This will encourage the plants to grow more shoots from the base and will thicken your lawn up nicely.
Usually forgotten about, lawn edges are essential to maintain, especially on the first cut of the year.
The experts advised: “Don’t forget about the edges when cutting your lawn for the first time.
“Overgrown edges can look unsightly and can mean time and effort spent working in the garden has been in vain."
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According to statistics from the Heating, Refrigeration & Air Conditioning Institute of Canada (HRAI), in Canada during the fourth quarter of 2003, unit heater shipments continued to increase by 32 percent over the fourth quarter of 2002.
When it comes to making decisions that impact sales performance and profitability, manufacturers and distributors are not on the same page, according to a new study from Industrial Performance Group (IPG) Inc.
According to the American Society of Heating, Refrigerating, and Air-Conditioning Engineers (ASHRAE), the lack of an accepted standard maintenance practice has made it difficult for building owners and operators to budget for inspection and maintenance of HVAC systems.
Members of the Plumbing-Heating-Cooling Contractors-National Association (PHCC) will address the rising cost of insurance and how it affects their businesses during the organization's March 25 Legislative Day.
Combined U.S factory shipments of 407,380 central air conditioners and air-source heat pumps for January were up 6 percent compared to shipments from the same month last year, according to statistics from the Air-Conditioning and Refrigeration Institute (ARI).


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Investing.com - U.S. stocks bounced back on Tuesday from a slump a day earlier, led by tech stocks after the U.S. temporarily eased some of the restrictions on China's Huawei.
The Dow Jones Industrial Average gained 0.77%, the S&P 500 added 0.85%, while the Nasdaq Composite rose 1.08%.
The U.S. Commerce Department on Monday granted a 90-day license for U.S. mobile phone companies and internet broadband providers to work with Huawei to keep existing networks online and protect users from security risks.
Following the move, chip stocks, which were particularly vulnerable to the U.S. ban on Huawei, rallied 2%, with Intel (NASDAQ:INTC) and Qualcomm (NASDAQ:QCOM) clawing back some recent losses. Intel rose 2.1%. Qualcomm added 1.5%.
Alphabet (NASDAQ:GOOGL) also ended the day 0.85% higher after reversing its decision from a day earlier to stop providing Huawei with software updates.
Beyond trade, investors also digested mixed quarterly earnings.
Kohl's (NYSE:KSS) reported a miss on the top and bottom lines and also reported comparable-store sales that fell short of expectations, sending its shares more than 12% lower.
JC Penney (NYSE:JCP), meanwhile, reported a wider-than-expected loss and drop in same-store sales, while revenue also missed expectations. Its shares slumped more than 7%.
After hours, Nordstrom (NYSE:JWN) said it missed revenue and earnings estimates for the first quarter and cut its guidance for the year. Shares fell more than 8%.
But auto parts retailer AutoZone (NYSE:AZO) boosted the broader retail sector, rising more than 5% after topping expectations on both the top and bottom lines.
The SPDR S&P Retail ETF (NYSE:XRT) ended the day 1% higher.
Energy stocks, meanwhile, also paved the way for gains in the broader market despite a modest fall in U.S. oil prices as concerns that a prolonged trade war between the U.S. and China could hurt global oil demand offset ongoing U.S.-Iran tensions and expectations for OPEC to stick with production cuts.
In other company news, Tesla (NASDAQ:TSLA) closed off 0.1% after shares had fallen to as low as $196.04. Morgan Stanley cutting its worst-case forecast on the electric car maker's share price to just $10, citing concerns about the company’s hefty debt levels and potential weaker demand from China.
Tesla also announced it was slashing the sticker price for its Model S and Model X vehicles for the third time in about three months, the news site Electrek reported.
On the economic front, U.S. existing home sales fell for a second-straight month in April as the supply of lower-priced housing continued to weigh.
Top S&P 500 Gainers and Losers Today:
AutoZone (NYSE:AZO), DISH Network (NASDAQ:DISH) and Xilinx (NASDAQ:XLNX) were among the top S&P 500 gainers for the session.
Kohl's (NYSE:KSS), Lamb Weston (NYSE:LW) and Varian Medical Systems (NYSE:VAR) were among the worst S&P 500 performers of the session.


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Hoosier Heartland State Bank is pleased to announce its recent hire of Jeanine Gwynn. She joins the team as a customer service representative at the Crawfordsville South branch, where she will be responsible for processing customer transactions, opening new accounts and assisting customers with their banking needs.
“We are excited to have Jeanine join our team,” said Cody Hargis, assistant vice president of retail services. “Jeanine has been in customer service for the last seven years and banking for the last two years. Her knowledge and experience has been very valuable, and I look forward to seeing her grow at HHSB.”
Gwynn comes to HHSB with over two years of banking experience. She holds a degree in human resources and management from Indiana University. She and her husband reside in Crawfordsville and are expecting their first child in September.
Contact Gwynn at firstname.lastname@example.org or 765-364-0784.


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Sony Ericsson sponsors MOBO with special edition MOBO W910i
One of the key sponsors at this year’s MOBO awards show which is at Wembley Arena on 15th October is Sony Ericsson and joins Western Union in reaching over a 250 million TV audience across the globe.
In view of this sponsorship deal between Sony Ericsson and MOBO, MOBO is to supply exclusive content which will support the launch of Sony Ericsson’s special MOBO edition of their white and gold W910i Walkman mobile phone.
The Sony Ericsson special MOBO edition W910i is to be exclusive during the run up to Christmas to the Carphone warehouse.
Source — 3G


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CASA GRANDE, Ariz. - Forty-five miles south of Phoenix lies the next evolution in electric cars.
Lucid Motors' newly-constructed, 730,000 square foot manufacturing is where the new Lucid Air electric car is starting to take shape. The facility is located in Casa Grande, just off Interstate 10.
Four years ago, Arizona beat out a dozen other states to become the new home of Lucid's flagship automobile.
"This is a very exciting day, and one we have been anticipating a while and working hard to keep under wrap," said Governor Doug Ducey, in 2016, when he and executives with Lucis announced a multi-year partnership to create thousands of new jobs, and inject more than $700 million into the local economy.
Following several delays and an influx of cash from Saudi Arabia, Lucid is now back on track with production.
"We already have the first robots coming to life. We are already moving the first equipment and dialing that in," said Peter Hochholdinger, Vice President of Manufacturing with Lucid Motors.
Hochholdinger says the company is committed to getting the Lucid Air out on the road by early 2021.
"I think it's going to be a game-changer for electrical vehicles, and a lot of people will think 'wow, if that's the spec of these cars now, then why not buy one?'" said Hochholdinger.
The car's specifications rival its nearest competitor, the Tesla Model S.
"It is the fastest vehicle on the quarter-mile, at 9.9 seconds. It is the vehicle with the longest range available on the market, with 517 miles. When you see it from a charging perspective, it is the fastest charging range on the market. It is the first vehicle with bi-directional charging, so it can also provide energy to your house," said Hochholdinger.
All of this, however, won't come cheap. The base model is expected to come in at around $60,000, while a higher-end version could cost more than $100,000.
"It's all about quality. It's all about getting a luxury vehicle to a state where the customer is blown away by the quality he sees in the vehicle," said Hochholdinger.
As demand for the Lucid vehicles grows, so does the factory in Casa Grande. The company already has plans to triple in size over the next decade, to include the possibility of producing different models in the future.
With the expansion also comes more jobs. Lucid is training and hiring future employees at their site, with an emphasis on hiring veterans for those positions.


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Google Maps directions received a significant update that caters to people who don’t want to drive or use public transportation for their commutes. The feature comes in handy during the coronavirus pandemic, as some people may be actively avoiding crowded means of transportation.
The new direction feature targets cyclists, as Google Maps directions now support docked bike-sharing services. The navigation experience will include walking information to and from the closest bike-sharing station.
Google Maps uses a combination of machine learning, complex algorithms and understanding of real-world conditions based on imagery and data from government authorities and community contributions.
Starting from Tuesday, when people look up biking directions, they will see end-to-end directions that include “docked bike-share” information in 10 cities globally as per Google’s blog post.
Steps will include detailed walking directions to bike-share stations near your starting point along with live bike availability, turn-by-turn cycling directions to the bike-share station closest to your destination with live dock availability and walking directions from there to your final destination.
“As biking habits change, especially as things evolve with COVID-19, we’re constantly updating this information to help you uncover the most reliable bike route,” said Dutta.
- Chicago, U.S. (Divvy/Lyft)
- New York City, U.S. (Citi Bike/Lyft)
- San Francisco Bay Area, U.S. (Bay Wheels/Lyft)
- Washington, DC, U.S. (Capital Bikeshare/Lyft)
- London, England (Santander Cycles/TfL)
- Mexico City, Mexico (Ecobici)
- Montreal, Canada (BIXI/Lyft)
- Rio De Janeiro, Brazil (Bike Itaú)
- São Paulo, Brazil (Bike Itaú)
- Taipei and New Taipei City, Taiwan (YouBike)
Google is actively working with additional partners to bring this functionality to more cities in the coming months.
As more people choose to cycle, they’re buying new bikes, fixing up old ones and turning to bike-sharing options. In fact, worldwide search interest for e-bike repair near me’ hit an all-time high this month, more than double what it was last yearVishal Dutta, Product Manager, Google Maps.
With bike-share providers seeing sharp increases in usage during Covid-19, “it’s even more important to quickly and easily check how many bikes are available at the station you’re headed toward and if there are docks available to drop off your bike near your destination”. Google introduced biking directions in Google Maps 10 years ago. Now, it’s available in nearly 30 countries around the world and millions of people use it every day.
In other Google related news, Google has launched Shoploop, a new interactive video shopping platform, and Area 120 experiment. In this platform brands and influencers can create short videos showcasing a product and provide a direct link to buy it. Currently only available on mobile web, it aims to combine ads, tutorials, reviews, and shopping in one platform. Shoploop is more interactive than just scrolling through images, titles, and descriptions on a traditional e-commerce site.


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Broiler Meat Production Down22 October 2012
US - US broiler meat production in August totaled 3.3 billion pounds, down 0.4 per cent from August 2011, according to the latest USDA Livestock, Poultry and Dairy Outlook.
The decline was attributed to a fall in the number of birds slaughtered. The August 2012 slaughter, at 760 million, was down 0.9 percent from August 2011. However, the average liveweight at slaughter rose to 5.81 pounds, up 0.5 percent, which resulted in total liveweight at slaughter in August at 4.4 billion pounds, a decline of 0.4 percent from the previous year.
Broiler meat production in July and August was slightly lower than expected and the production forecast for third-quarter 2012 was decreased by 25 million pounds to 9.28 billion pounds, a decline of 2.8 percent from third-quarter 2011.
Further ReadingYou can view the full report by clicking here.