The worlds of Hollywood, tech, and gaming are getting cozier than ever. The latest evidence of this came this afternoon, with the announcement that entertainment juggernaut Walt Disney Company will buy Lucasfilm, the film production company best known for making the Star Wars series, in a cash-and-stock deal worth $4.05 billion.Source: http://feedproxy.google.com/~r/Techcrunch/~3/kPzx6gGRmb8/
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Recently, you've been seeing unnatural things...like ghosts. So, you join a recent club at school; to the normal eye called Club P, but you see it as Club Paranormal.
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This topic is an Out Of Character part of the roleplay, ?Club Paranormal?. Anything posted here will also show up there.Topic Tags:
Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.You may edit this first post as you see fit.
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InterContinental Hotel?s ideal location allows travellers to enjoy concerts, dance and dramas at Hong Kong Cultural Centre. Located in the Tsim Sha Tsui area, the hotel is convenient to Kowloon?s business . A wide range of excursions and activities are within a short distance and getting around every part of the city is easy.
InterContinental Hong Kong Hotel offers an unparalleled service and accommodation along with views of Victoria Harbour and Hong Kong Island, recognised as one of the world?s top hotels. The hotel is also renowned for its luxurious accommodation, impeccable service and dramatic dining venues which include two celebrity chef restaurants ? SPOON by Alain Ducasse and NOBU. It is also home to Hong Kong?s largest and most spectacular Presidential Suite, which is 7,000 sq ft inclusive of 2,500 sq, ft rooftop terrace with an infinity swimming pool.
Rooms are elegantly decorated and feature floor-to-ceiling windows. They are equipped with a 37-inch flat-screen TV, Bose DVD/CD home entertainment system and iPod docking stations. The rooms, dressed in rich silks, art work, and a most comfortable bed have views of Victoria Harbor. The bathrooms have a sunken tub and finished in Italian marble. The business center is high-tech. Three signature suites (Terrace Suite, CEO Suite and the spectacular 7000 sq.ft. Presidential Suite), each features a private terrace and Jacuzzi overlooking the harbour.
The hotel has an innovative seafood restaurant featuring both Asian and Western style cuisines to liberate the most delicate flavours. You can choose to have your formal dinner party in the Suite?s harbourview private dining room which accommodates up to 12 persons, or on the 2,500 square foot wraparound private terrace with its ?IMAX? views.
SPOON by Alain Ducasse ? Serves dishes with French undertones and an extensive wine list in a chic, modern environment.
NOBU InterContinental Hong Kong- Features contemporary Japanese fare on the second floor. Open for lunch and dinner.
Yan Toh Heen -Offers traditional Cantonese cuisine and dim sum. Open on the arcade level for lunch and dinner.
The SteakHouse ? Steakhouse style fare with a wine list of over 300 vintages. Open daily for dinner, and for lunch on Sundays.
Harbourside ? Buffet dining with Asian and Western dishes served overlooking the harbor. Open from early morning and offers late night dining.
Lobby Lounge ? Serves cocktails, tea, and snacks with views of the Honk Kong Skyline.
The ?Fung-Shui Friendly? iSpa offers massage and body treatments using traditional Asian oils and practices. The facility also has a spa tub, steam room, and sauna.
FENG SHUI SERENITY IN THE HEART OF HONG KONG:?Professional therapists specializing in Oriental healing offer signature treatments such as Ancient Rituals of the Orient and Five Elements to relax, rejuvenate and rebalance the entire being.? The spa has five granite-clad, private spa suites, each with its own sauna, Jacuzzi and steam shower. Other notable features include:
Body
Fitness
Meeting Room:InterContinental Hong Kong is acclaimed as the one of the city?s most prestigious venues for high-end meetings & conferences, gala balls and glamorous weddings. The hotel has the largest ballroom in Hong Kong and eleven harbour view meeting rooms.
Source: http://www.otal.com/asia-travel-and-leisure/intercontinental-hong-kong
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Beginners are likely get confused by the wide variety of choices which are present in the current market, and also because of the terminology they use for different equipments.
This article will help you through the process of selecting the right kind of boxing gloves for you. Considering the brand, material, weight, fit and also the color, this article will help you to go for the right one. Being confident while entering inside the boxing ring is very important, so having proper and comfortable protective gears will help you boost your confidence and enhance your performance.
Now, getting into business, how to select proper boxing gloves? While shopping for boxing gloves, you are faced with a choice between economical entry level brands or higher priced top quality brands. If you"re planning to box, very often that is twice a week or more than twice a week, and then it would be sensible to invest on a high quality branded boxing gloves.
When it comes to material of the glove, leather is best suited for heavy use, as it is much more durable than inexpensive synthetic materials. On the other hand, if you are a casual boxer, and is only interested in boxing as a hobby or something of that sort, going in for a cheaper pair of gloves will be sufficient.
Next important aspect is the weight of the boxing glove which you"re going to wear, because it influences your performance a great deal. Though it is a very confusing aspect as well, you need not worry on it, because all you have to do is get one which is appropriate for your body type and the level of protection you require. You need to keep in mind that heavier gloves will also provide harder work out.
Last but not the least, the "fit" of your gloves is another vital factor which has to be considered. Guess everyone would have heard this expression "fits like a glove". No one will want a loose fit, especially when it comes to gloves that too boxing glove. This boxing equipment needs to be fit, otherwise it is not possible to box efficiently and give a blow. Boxing gloves always tend to stretch with use, so it advisable to get a tight fitting snug one. If you are a person who will use, hand wraps while boxing, make sure you take them along with you when you head out to purchase your gloves.
Choice of Colors:
The color of your glove depends on your boxing style. If you are a flamboyant "attractive Boy" then goes in for a bright white, or if you are a raw fighter, then go for a mean black. Apparently this part has no consequence on effectiveness of your glove; though it could play a psychological role in your fights and potentially work in your favor.Boxing gloves is one of the most important equipments in boxing. Care should be taken before buying a boxing glove, especially if you are a beginner in the field of boxing.
Beginners are likely get confused by the wide variety of choices which are present in the current market, and also because of the terminology they use for different equipments.
This article will help you through the process of selecting the right kind of boxing gloves for you. Considering the brand, material, weight, fit and also the color, this article will help you to go for the right one. Being confident while entering inside the boxing ring is very important, so having proper and comfortable protective gears will help you boost your confidence and enhance your performance.
Now, getting into business, how to select proper boxing gloves? While shopping for boxing gloves, you are faced with a choice between economical entry level brands or higher priced top quality brands. If you"re planning to box, very often that is twice a week or more than twice a week, and then it would be sensible to invest on a high quality branded boxing gloves.
When it comes to material of the glove, leather is best suited for heavy use, as it is much more durable than inexpensive synthetic materials. On the other hand, if you are a casual boxer, and is only interested in boxing as a hobby or something of that sort, going in for a cheaper pair of gloves will be sufficient.
Next important aspect is the weight of the boxing glove which you"re going to wear, because it influences your performance a great deal. Though it is a very confusing aspect as well, you need not worry on it, because all you have to do is get one which is appropriate for your body type and the level of protection you require. You need to keep in mind that heavier gloves will also provide harder work out.
Last but not the least, the "fit" of your gloves is another vital factor which has to be considered. Guess everyone would have heard this expression "fits like a glove". No one will want a loose fit, especially when it comes to gloves that too boxing glove. This boxing equipment needs to be fit, otherwise it is not possible to box efficiently and give a blow. Boxing gloves always tend to stretch with use, so it advisable to get a tight fitting snug one. If you are a person who will use, hand wraps while boxing, make sure you take them along with you when you head out to purchase your gloves.
Choice of Colors:
The color of your glove depends on your boxing style. If you are a flamboyant "attractive Boy" then goes in for a bright white, or if you are a raw fighter, then go for a mean black. Apparently this part has no consequence on effectiveness of your glove; though it could play a psychological role in your fights and potentially work in your favor.
About the Author:
Proboxinggear.com which is one of the best online stores for all types of Boxing Equipments like boxing shoes,gauze, punch mitts, abdominal guards, chest guards, boxing gloves, Punching Bags,groin protector,knuckle protectors, boxing shoes, apparels, mouthpieces etc.
Source: http://www.articlesnatch.com/Article/Tips-To-Select-Right-Pair-Of-Boxing-Gloves/4240794
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To succeed in your real estate career you need to make sure you understand every inch of your business ensuring you give your best to every client that comes your way.
This intensive and interactive, six-hour mentoring training will help boost, improve, protect, and make your real estate business more profitable. You?ll learn how to work with sellers to price their listing effectively and how to navigate through the real estate transaction from start to finish, including a detailed step-by-step instruction about how to complete the C.A.R. Form Residential Listing Agreement (RLA) and Seller?s Advisory (SA). Learn from a top producing REALTOR? with over 38 years of experience in the real estate business.
If you are struggling in your real estate career this is the training you need to kick-start your business and watch your profits soar!
During this training you will cover:
To register, visit CAR Learn-My-Way courses
Source: http://www.tahoemls.com/car-agent-mentoring-course/
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Source: http://elmork00.blogspot.com/2012/10/larafawcatt-utility-variable-generation.html
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Chicago is known for Al Capone and the devastating fire of 1871, but it is also the birthplace?of a positive historic movement that began more than four?decades ago.
The first International Special Olympics Summer Games were held at Soldier Field in July 1968. Today, the program, originally intended as a citywide track meet for children with mental disabilities, features many competitions and is recognized in 170 countries. Photo courtesy Barbara DiGuido
The city hosted the first International Special Olympics Summer Games at Soldier Field in July 1968, at which more than 1,000 athletes with mental disabilities from the United States and Canada gathered to compete in swimming and track and
field events.
Mayor Rahm Emanuel voiced his support of the program on Oct. 23 at the third annual Special Olympic mayoral breakfast hosted at the University Club. He said he was honored to be there as the brother of a woman with special needs. He added that strength can be found in every individual by expanding opportunities for everyone
to compete.
?Chicago is the Second City, but we are also known as the city of many firsts,? Emanuel said. ?[We built the] first skyscraper, we split the first atom, we sent the firstAfrican-American to the White House. And what Chicago should be most proud of is hosting the first Special Olympics in 1968. It?s a special part of Chicago?s character.?
Special Olympics Illinois continues to thrive, said Barbara DiGuido, director of communications for Special Olympics Illinois. The fall games took place Oct. 27 in Rockford, Ill., and for the first time featured equestrian sports, volleyball and unified volleyball, which combines athletes
with and without disabilities.
It all started with the late Dr. William Freeberg, former chairman of the Recreation and Outdoor Education Department at Southern Illinois University, who ran a day camp for people with intellectual disabilities in the early 1950s. He was approached by Eunice Kennedy Shriver, who was continuing her family?s work with the Joseph P. Kennedy, Jr. Foundation by financing research and supporting programs for the disabled.
During his partnership with the foundation, Freeberg conducted seminars across the country and worked with recreational directors to develop special needs programs. Although the Chicago Park District already offered recreational programs for those with mental disabilities, Freeberg held a seminar for 10 physical education teachers working with the district, according to DiGuido. Among them was PE teacher Anne Burke, who currently serves as Justice of the Illinois Supreme Court?s First
Judicial District.
?I didn?t know I wanted to start the Special Olympics,? Burke said. ?What I was doing at the time was teaching children with disabilities physical education.?
Burke said the Special Olympics started with the idea for a citywide track meet. William McFetridge, former vice president of the district, met with Burke?s students and
wanted to reach out to even more children. Burke proposed hosting a track meet and worked with Freeberg to help secure funding for the event from Shriver and
the foundation.
According to DiGuido, Shriver loved the idea but had bigger plans.
?Shriver said, ?Instead of making this an event for the city, let?s open it up to the entire country and Canada,?? DiGuido said. ?So the first games had 1,000 athletes from the U.S. and Canada.?
The first International Special Olympics Summer Games included a 50-yard dash, a 1K run, relay races and ball throwing, and more activities were added each year.? Today, the program is recognized in
170 countries.
One of the biggest challenges for organizers was getting parents to agree to let their children
participate.
?The families had to be convinced,? DiGuido said. ?They were extremely protective of their children and had to know this was a good thing.?
Alas, there was? a problem with the word ?Olympics? being used. Avery Brundage, who oversaw the International Olympic Committee, wanted to sue the Park District in the early 1970s for using the word Olympics,?which was copyrighted. The issue was resolved when former Mayor Richard J. Daley urged Brundage
to reconsider.
Despite her hard work, Burke never anticipated that the Special Olympics would become what it
is today.
?[While] teaching anybody, you want them to succeed, so it really never occurred to me these kids were any different than the kids I taught as a PE teacher,? Burke said. ?I didn?t have any grand ideas to change the world or anything
like that.?
Source: http://columbiachronicle.com/special-olympics-founded-grows-in-chicago/
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This position is based in London, UK.
At Google, we set ourselves goals we know we can't reach yet. Our New Business Development team works on game-changing ideas, from technological experiments to the expansion of existing businesses into new territories. We're a team of technologists, entrepreneurs and leaders with an eye for what's next, working across Google to develop products and ideas that revolutionize the way people connect with information.
Calling all entrepreneurs--Google's New Business Development team needs deal-makers to drive our next big move. As a New Business Development team member, you're takin' care of business...everyday. You work closely with Google Product, Engineering, Marketing and Partnerships teams on new product initiatives and key strategic relationships. You don't just execute; you're a true thought leader who can clue us into industry trends and key influencers. As our scout out in the field, you run the new deal process from start to finish. You open doors with potential partners, lead exploratory talks with them and then shrewdly weigh your options. After presenting to senior Googler leaders with your convincing recommendations, you also harness your inner negotiator to bring deals to close. Be a part of discovering and shaping Google's boldest ventures.
You will be globally responsible for the retail relationships for Google's Nexus program. You will coordinate the roll-out of nexus products with retailers leveraging the resources of the global Android business development team. This role includes coordinating strategic sales efforts with retailers as well as in unison with the Google Play store team. You will be responsible for maximizing the volume sell-through of the product through retail partnerships as well as securing excellent launch execution including coordination with the Android marketing team.
Source: http://www.jobs.ie/ApplyForJob.aspx?Id=1212112
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To the editor:
It must be election time, since I have received three anonymous mailers in the past week attacking Sen. Greg Ball as somehow being ?anti-women." As a senior citizen, a former chief financial officer and the mother of a young, professional, woman, I find the nature of these attacks and the demeaning??"1950s style" of the mailers to be disgraceful.
Sen. Ball has a well established?record of fighting for issues important to women, most notably for equal pay, combating domestic violence and supporting children and families through initiatives that extend health coverage for out-of-network costs.? And he?has been a key leader in ending the dysfunction in State government.
These anonymous attacks confirm for me that the reforms he has helped accomplish working with Gov. Cuomo are a threat to the many entrenched interests in Albany.
The Senator?s opponent, Manhattan lawyer Justin Wagner, whose photo and information appears in one of the mailers, should disavow them.?But that's unlikely, as Mr. Wagner has remained silent throughout the recent scandal which saw Albany Democratic leader Sheldon Silver pay over $100,000 of taxpayer funds as "hush money" to cover up sexual-harassment claims against one of his fellow Democratic legislators.
Unemployment and property taxes are still unacceptably high, and our housing prices are still declining as overburdened taxpayers continue to flee our state. With so many important issues affecting our families, I find this anonymous, underhanded form of attack to be both shameful and counterproductive.?Voters deserve better!
Sincerely,
Grea J. Kulhanek
Source: http://peekskill.patch.com/articles/letter-ball-fights-for-women-s-issues
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Source: http://news.yahoo.com/meningitis-outbreak-spreads-18-states-south-carolina-case-181927893.html
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From Craigslist Toronto. (via Chris Pirillo)
I didn't even know they talked like that in Canada.
Hit the link above, then scroll down. It gets better.
 |  |
Source: http://feedproxy.google.com/~r/androidcentral/~3/mzpFFFdvlvQ/story01.htm
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Once bitten, twice shy. Panasonic backed out of the European cellphone market in 2005 and gave it a second chance with its Eluga smartphone this spring, but both Nikkei and Reuters hear that the company is already considering its second withdrawal. A tough economy and a presently successful cost-cutting initiative (not to mention an uninspiring product, if we're honest) could have Panasonic exiting Europe before its fiscal year winds down at the end of March. Of the two as yet unconfirmed sources, Nikkei is going even further -- it believes that Panasonic is considering either a partnership to justify its Japanese business or else waving goodbye to cellphones altogether. Nothing's certain until Panasonic says so. If there's any truth to the story, though, we could see one more casualty in a rapidly thinning smartphone market.
Filed under: Cellphones, Mobile
Nikkei, Reuters claim Panasonic may quit European cellphones after its second bruising originally appeared on Engadget on Fri, 26 Oct 2012 13:58:00 EDT. Please see our terms for use of feeds.
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Source: http://feeds.engadget.com/~r/weblogsinc/engadget/~3/9Ad6iyR9o2Q/
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JERUSALEM (AP) ? Israeli media are reporting that Prime Minister Benjamin Netanyahu has reached a deal to join forces with the hard-line party of his foreign minister in upcoming parliamentary elections.
Channel 2 TV reported Thursday that Netanyahu's Likud Party will merge with the ultranationalist Yisrael Beitenu to form a broad, hawkish bloc.
The station speculated that the merger was meant to pre-empt the threat of an emerging centrist bloc led by the resurgent Labor party.
Polls have predicted that Likud will win the most seats in the January election, with Labor finishing a close second.
Party spokesmen would not comment. Netanyahu and Yisrael Beitenu's leader, Foreign Minister Avigdor Lieberman, were set to appear at a news conference later in the evening.
Source: http://news.yahoo.com/israeli-media-hard-line-parties-join-forces-170934376.html
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An expansion and redesign is planned for the Wellcome Collection building on Euston Road.
Here?s the story on the BBC site.
As a regular at the library, I?m a little nervous about the reading room being ?transformed into a public space.?? It felt rather like hearing on the news that people are going to be redecorating your living room.? Also, in what way is a library reading room not a public space?
Also of interest, the BBC have filed the story under ?Arts & Culture? within the ?Entertainment & Arts? section of the site, and not under either ?Health? or ?Sci/Environment?.? A sure sign of the cultural rise of medical humanities ?
Be the first to like this.
Source: http://lcmh.wordpress.com/2012/10/25/big-changes-at-the-wellcome-collection-london/
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Here?s the big lie, social media is a?really really small thing. There, I said it. As much?as some of my peers believe it is the ?air we breathe? and ranks up there with the invention of the wheel and the printing press, it really isn?t.
As I will show, there is a much more interesting bigger world out there ? a $70 trillion globe that will be affected by the advancement of connected and emerging technology. I would argue, at most, $7-8 trillion or the world?s economic engine is currently directly affected, but perhaps not wholly influenced, by our peer-to-peer habits. For most other industries, it remains a non-core object of interest.?This will change.
Below we have summarized the world?s 25 biggest industry sectors, estimated how big they currently are and looked at the likelihoood and size of wealth risks to each, bucketing them into four categories:
Let?s deal with the 6 biggest risk industries in this post ? a group that may have $10-11 trillion in value shift to others or bleed away in value over the next 10 years based on the development and adoption of connected technologies.
The Targets
Our picks for the most vulnerable industry sectors to advancing technology/emerging media were:
These currently represent almost half of the full global economic pie ? $34 Trillion. I believe that a third of their value is at risk due to fast moving technology change. Here?s why:
I -Education ? $3 trillion sector, $2T technology risk
Biggest Risks:
- a middle class that cannot afford education
- currently available technology that is enabling education digitally seamlessly
- developing countries needing to access leading education affordably
- economies requiring high skilled workers more quickly and competitively
- deficit-ridden government unable to finance education sustainably
Expansion over the next decade:
- The mainstreaming of online universities and highly reputable universities getting in the game
- All-star, A-list professors teaching at multiple universities through video enablement
- Peer-to-peer education exchanges and reskilling old economy sector workers
- Student-owned co-ops that share revenues from ventures launched during educational years
- Education becomes staggered over life ? less about 4-8 years when young, more about ?certification of skills over a full career though a continuing education digital course series
Ways to insulate blow:
- Launch innovative global online brand universities ? become well-differentiated in the online space
- Become much more bespoke and customer-oriented in terms of student needs and expectations
- Establish agencies for your best performing professors ? increase online teaching, speaking and content revenues
- Create place-based ecosystems of value that demand a critical mass of location-based infrastructures, investment, expertise and people
II ? Retail ? $9 trillion sector, $2T technology risk
Biggest Risks:
- increased adoption of ecommerce globally with better, more efficient logistics to service orders
- algorithms that automatically understand better price and value options eliminating high-low/deal pricing tactics
- individualized shopping services that use the smarter semantic tools to scour the web for the best offers and customized satisfaction
- the cost of urban real estate ballooning with city population development, retail spaces crunched and thus the pursuit of better sales, less cost and more impact per square foot
- real time peer-to-peer word of mouth and location-based mobile ? continued biggest influences on purchase preference vs. historical advertising and flyer formats
- declining real incomes, making dollar stores and second-hand stores chic
Expansion over the next decade:
- Flagship, showcase stores to try things out and subsequent buy them online
- Offering mini-retail and online banner line extensions to satisfy different psychographic customer needs
- Low cost online Asian retail brands and expansion of high-end brands, the middle getting squeezed
- Online brand showrooms ? e.g. Facebook clubs, Amazon cafes, Google bars
- ?Minority Report? like, augmented reality, shopping experiences enabled by your smartphone
- Expansion of second hand stores and tracking customers online over the course of their lfietime value
Ways To Insulate Blow:
- Offer leading and immersive customer experiences and attached online and offlike brand communities that demand live interaction
- Expand service offerings to bring retailers closer to the home and post-purchase service of needs e.g. Best Buy?s Geek Squad
- Exclusive merchandise and partnerships only available through your stores
- Mini-stores, pop-up stores and mobile enabled retail walls to sell more stuff, with more impact in less space
- Smart and connected digital signage concierging shoppers through their retail experience
- Shops buy their used branded merchandise back and house second hand online and real life stores in young, depressed neighbourhoods
III. Public Service ? $7 trillion sector, $3 trillion technology risk
Biggest risks:
- Unsustainable deficits, inability to justify civil servant salaries
- Aging population requiring support but also an underutilized part of sector
- Municipal services getting more costly, technology needs to provide efficiency
- Arab Spring-like social media enabled revolts happen in more countries and as reaction to a wider array of issues
- Feeling of voter and citizen disenfranchisement from decisions ? digital electorate influence gains foothold e.g. Iceland?s crowdsourced constitution
Expansion over the next decade:
- More participatory government and cheaper operations through online election balloting and plebiscites
- Citizen activism rises ? government provides stimulus, activities are performed by population
- Technology-enabled service delivery and social innovation of ?crime, roadwork, public transit, emergency, health and administration
- Crowdsourcing, crowdvoting and crowdfunding government-led projects
Ways to insulate blow:
- Build youth council or parliament wings that inform established government expectations of young voters
- Integrate all key frontline services into web and social-enabled platforms
- Consider new forms of taxation or incentives to support citizen-led crowdfunded or social innovation projects
IV. Health Care ? $4 trillion sector, $1.5 trillion technology risk
Biggest risks:
- A hyper-inflated health care budget that is unsustainable given additional issues of population aging and increases in longevity
- Peer-to-peer health care through platforms like Patients Like Me and simply through social interaction , increasing the expectations placed on doctors and the medical community
- Front line primary care doctors are time-stressed and not the most amenable to change
- Continued disintermediation of middleman, patients pursue direct access to health care providers and policy makers
Expansion over the next decade:
- Nanotechnology and sensors better able to monitor and prevent sickness and disease
- Remote sensory and video access to doctors will eliminate need for costly long term stays or visits
- Customer records and experience will be driven instantaenously by technology interfaces ? tablets/wearable monitors/electronic health passports
- Doctors and medical staff increasingly compensated on customer satisfaction ratings
- Health insurance premiums tied to testable lifestyle risk factors
- Patients matched with doctors and other like-minded and like-conditioned people through crowdsourcing sites and peer evaluations
Ways to insulate blow:
- Embrace technology as a way to improve the customer experience
- Add preventative treatment elements, smart incentives and partners into the health care regime
- Adopt standardized electronic health care passports that support preventative and reactive health care functionality
V. Insurance ? $4 trillion sector, ?$1 trillion technology risk
Biggest risks:
- Commodification of sector in a dynamic and free-flowing information world
- Technology lowers insurance barriers to entry for new players
- Self-forming groups of customers negotiate purchase en masse for members
- Regulatory harmonization limits amount of ?wiggle room? in products globally
- Aging population and economic crisis puts pressure on profits
Expansion over the next decade:
- Smarter insurance packages that match customer values or real experience (e.g. car insurance based on better more informed driver records)
- Environmental risk management becomes a bigger need for enterprises
- Big data acquisition, filtering and insight ?to help insurance companies deliver?better pricing, underwriting and loss control
- Incentives for preventative vs. reactive insurance planning and assessment
Ways to insulate blow:
- Better understanding of customer needs and online purchase paths
- Greater variety and simpler more transparent customization of insurance options
- Team up with and co-incent not-for-profits with consistent values as your organization
- Start leveraging information tapped in legacy systems and other currently tough-to-access databases to anticipate risks better
- Insurance companies move from policy sellers to risk management and governance through better understanding of big data and smarter tech-enabled foresight
VI. Banking ? $7 trillion sector, $1-2 trillion risk
Biggest risks:
- Online and mobile banking expansion and adoption, rendering the retail bank delivery model obsolete
- Precipitous drops in trust for banks and finance community post-2008 will continue
- The beginning and expansion of new types of peer-to-peer funding and lending platforms like Kickstarter, Indie GoGO, Zopa, Funding Circle, Community Lend and others
- The incursion of other more progressive and non-traditional players into the banking sphere ? retailers, telcos, hardware companies, tech companies and ecommerce providers
- 2.5 billion people, mainly in the developing world do not have bank accounts but do have mobile phones
Expansion over the next decade:
- Non-traditional bank entities expand ? online banks, peer lenders, mobile banks, retail and utility-led banks
- The need for transparency and cause-motivated enterprises ? finance adopts triple bottom lines goals, operations and cultures
- Less banking brand loyalty, savvy, informed consumers will now leap for the best offer
- The escalation of new more competitive and sophisticated technologies ? location-specific GPS marketing, facial recognition, smart signage, interactive touch screens?branch wireless, and RFID and NRC e-wallet payments
- Developing world mobile banking and microcredit entities become the norm
Ways to insulate blow:
- Create leading edge, tech-enabled service and experiences and expansion of services (small office services, coffee shop, leading portable offices) at the branch level
- Take the first mover advantage in cashless transactions, peer to peer lending and investing and other radical developments
- Partner and provide back end support for the new incumbent finance players
- Transition quickly from retail branches to mobile leadership
- Use big data intelligence and forecast algorithms to better understand customer buying and banking cycles and reconstitute in the form of bespoke banking packages, advice and partnerships
Over the next few months as we head to 2013, I?ll be looking to profile some of the more insulated or already moving industries and providing tangible examples, big and small, of the real world already adopting these paradigm-changing and connected technologies and new media. let me know if you find any and drop me a line.
Category: Education, Healthcare, Public Service/Government, Resources, Retail/CPG, Wikibrands Awards, Wikibrands by Industry, Wikibrands Insights
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Source: http://javedshaikm.wordpress.com/2012/10/25/light-quanta/
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Posted on 24 October 2012.
Windows 8 is a new version of Microsoft's flagship operating system and it's packed with exciting new features. From the new Windows lock screen and the new Internet Explorer to a built-in PDF reader and new user interface, Windows 8 is not only a replacement for Windows 7 but a serious OS for today's tablet and touchscreen device users.
Source: http://feedproxy.google.com/~r/HelpNetSecurity/~3/Mq8Sf-esllI/secworld.php
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Initial Forex Trading Steps: What Are Forex Pairs?
In short, the currency pair is a way of showing the prices of one currency against another in the forex market. With live forex trading, these prices are in constant fluctuation.?They are displayed like this: GBP/USD 1.5900, which would mean that 1 GBP is worth 1.5900 USD. GBP refers to the British pound, and the USD is the United States Dollar. The second currency in the pair is called the counter or quote currency; this is the one being referred to. The second one is known as the base currency.
There is an order by which the base currency is usually used; any pair that contains the Euro (EUR) will use it as the base, and then this continues in an order that goes: GBP, AUD, USD, CAD, CHF, JPY and so on. The base currency is usually the domestic currency, for ease of accounting, and the order of precedence is derived from the traditional values of the currencies in respect to one another.
The pairs that are traded most often are known as the majors, and they all include the USD. They are as follows: EUR/USD, USD/JPY, GBP/USD, AUD/USD, USD/CHF, and USD/CAD. 85% of all forex trades involve the major pairs, and 27% alone is accounted for by EUR/USD alone. Other pairs, such as GBP/JPY are known as crosses, and are not traded nearly as frequently. Newer traders are encouraged to begin with the majors, which are far more liquid. There are many other minor currencies that are quite rarely used. If you'd like some more information, a provider called?Alpari have actually covered this topic more in depth in a fairly comprehensive video. You can find out more about the two categories of forex pairs below:
When it comes to looking at forex research and news, professionals will often refer to pairs by nicknames, so it?s always useful to know what these are. There are many different ones, but the main pairs are the Cable (GBP/USD), Fiber (EUR/USD), Chunnel (EUR/GBP), the Funds (USD/CAD), Matie (AUD/USD), Geppie (GBP/JPY) and Kiwi (NZD/USD). If you come across a strange term that sounds like it might be a currency, it probably is.
Once you?re familiar with how pairs work, and understand how they are presented, you can begin to learn about the strategy behind making a profit on the forex market.
How about you all? Have you ever done any forex trading? If so, which currencies did you tend to trade the most?
Share your experiences by commenting below!
Source: http://www.mypersonalfinancejourney.com/2012/10/forex-trading-forex-pairs.html
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The international community must help the Malian authorities put in place a credible political process that addresses the underlying causes of the country?s crisis and helps them with any military operations which may be needed to return parts of the country to Government control ? while also ensuring that military action ?does not exacerbate existing tensions or worsen an already fragile humanitarian situation.?
That was a key message of the United Nations Deputy Secretary-General, Jan Eliasson, in his remarks today to an African Union (AU), Economic Community of West African States (ECOWAS) and UN Meeting of the Support and Follow-up Group on Mali, held in Bamako, in the West African country?s capital.
?Any military action must also support a coherent political strategy for the country?s reunification. And for the international community to back an international military force, human rights and humanitarian law must be scrupulously respected,? Mr. Eliasson said.
?The aim of the political process should be to build a broad-based national vision for the future of Mali. This will require a roadmap for the Transition so that preparations for elections can begin,? he added.
Currently led by Interim President Dioncounda Traor?, Mali has been dealing with a range of security, political and humanitarian problems since the start of the year. Fighting between Government forces and Tuareg rebels broke out in the country?s north in January. Since then, radical Islamists have seized control of the north, where they have imposed an extremist version of Muslim Sharia law as well as restrictions that target women in particular.
Addressing reporters at UN Headquarters last week after a visit to parts of Mali, a senior UN official, the Assistant Secretary-General for Human Rights, Ivan ?imonovic, cited, among a litany of human rights abuses committed by the Islamists, ?very drastic punishments,? the recruitment of child soldiers, and enforced marriages that are a smokescreen for enforced prostitution.
The instability and insecurity resulting from the renewed clashes, as well as the proliferation of armed groups in the region, drought and political instability in the wake of a military coup d??tat in March, have led over 250,000 Malians to flee to neighbouring countries, with 174,000 Malians estimated to be internally displaced.
In his speech in Bamako, the Deputy Secretary-General said that any political process in Mali should enable its Transitional Authorities to engage in talks with the rebel groups in the north, which represent the legitimate grievances of communities which have suffered from years of marginalization and neglect.
?It is imperative that these groups cut off all ties to terrorist organizations, as called for in Security Council resolution 2071,? Mr. Eliasson said, adding that ?the military forces are to refrain from interfering in the political arena.?
The Council unanimously adopted resolution 2071 last Friday, citing the threat to regional peace from terrorists and Islamic militants in rebel-held northern Mali. In it, it held out the possibility of endorsing, within 45 days, an international military force to restore the unity of the West African nation.
The 15-member body called on Secretary-General Ban Ki-moon to support the Malian political process and provide, at once, military and security planners to ECOWAS, the AU and other partners, to help frame a response to a request by Mali?s Transitional Authorities for such a force, and to report back within 45 days.
Upon receipt of the report, and acting under Chapter VII of the UN Charter, the Council said it was ready ?to respond to the request of the Transitional authorities of Mali regarding an international military force assisting the Malian Armed Forces in recovering the occupied regions in the north of Mali.?
Chapter VII of the Charter allows the Council to use force in the face of a threat to peace or aggression, taking ?such action by air, sea, or land forces as may be necessary to maintain or restore international peace and security,? including blockades and other operations by the forces of Member States.
?The important work already done by the Malian authorities, ECOWAS and the AU will serve as a solid basis for our joint efforts,? Mr. Eliasson said, adding that the world body is ready to provide immediate support to a national dialogue and assistance to strengthen national capacities for political negotiations.
?We are also in the process of deploying military planners and security sector reform advisers to Bamako,? he noted.
The Deputy Secretary-General added that the Malian defence and security forces must be at the forefront of internationals effort to combat terrorism and crime in the country?s north.
?A critical first step in this direction will be to support the re-organization of the defence and security forces, as requested by the Malian authorities,? he said, noting that, as called for by the Security Council, comprehensive reform of the security sector must also be at the core of the international community?s collective efforts to consolidate Malian state institutions.
In his remarks, the deputy UN chief also noted the presence at the meeting, and the role of the recently-appointed Special Envoy of the Secretary-General for the Sahel, a former Italian Prime Minister, Romano Prodi.
?The Special Envoy will be working closely with all of you to mobilize international financial support, coordinate the United Nations integrated regional strategy for the Sahel, and help bring about a comprehensive solution to the crisis in Mali,? Mr. Eliasson said.
The Sahel region, which stretches from the Atlantic Ocean to the Red Sea, and includes Chad, Mali, Mauritania, Niger, and parts of Sudan, Cameroon and Nigeria, is currently facing a swathe of problems, which are not only political but also involve security, humanitarian resilience and human rights.
In addition to political instability in Mali, the region suffers from extreme poverty, with human development levels among the lowest in the world, porous borders that present significant security challenges, as well as human rights problems.
Added to that is the humanitarian crisis affecting the region this year, in which over 18 million people are estimated to be at risk of food insecurity and over one million children risk severe acute malnutrition.
Topics: Security situation, Political situation, Peace process,
Source: http://www.unhcr.org/refworld/docid/5086821b2.html
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