What Can Debt Consolidation Companies Do For You

What Can Debt Consolidation Companies Do For You If you find yourself helpless in times that you no longer know what to answer to the incessant calls of loan companies you have borrowed money from because you can’t pay them your debts, don’t despair. Get help from debt consolidation service providers. These agencies can loan [...]

Source: http://www.legaldebthelponline.com/2012/02/28/what-can-debt-consolidation-companies-do-for-you/

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Free Debt Consolidation

Free Debt Consolidation Are those pas due bill collectors calling? Is your current Job not paying enough money, therefore you are unable to stop the calls by making payments towards you debts? Weary about trusting a company to help you solve your debt issue without costing you more money? With the current state of the [...]

Source: http://www.legaldebthelponline.com/2012/02/28/free-debt-consolidation/

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General Electric Rising With Global Recovery

GE has a huge presence in emerging markets and is earning in excess of 60% of its revenues from outside the U.S. As a result, we expect that over time the stock will reflect the growth of global economy rather than just the U.S.

Source: http://www.forbes.com/sites/greatspeculations/2012/02/29/general-electric-rising-with-global-recovery/

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Amazing Time-Lapse Video By Dominic Boudreault...

Fears Of A Brazilian Consumer Credit Bubble Are Overblown


Concerns of a U.S.-style credit bubble in Brazil have been circulating in and out of the headlines for over a year now. This is because high inflation and high interest rates have impacted the ability of the Brazilian consumer to repay debt.

But Marcelo Kfoury, Citi's chief economist in Brazil doesn't think it has a credit bubble. 

First a quick recap of the problem

Those crying credit bubble have repeatedly pointed to consumer delinquency rates which rose 21.5 percent in 2011 from a year ago, according to a report by Serasa Experian. This is the biggest rise since 2002, when consumer default had climbed 24.7 percent compared to 2001. 

Other headlines out of Brazil show banks increasing reserves as consumers struggle to repay debt. A report in Correio Braziliense via MercoPress non-government banks raised their bad debt reserves to 26 percent in 2011, and government managed banks to about 14 percent.

Why the credit bubble is imagined

Kfoury says despite the scary headlines the default rate is not significantly higher than the historical average, and is much lower than July 2009 as seen in the chart below. Even Serasa Experian's figures show that defaults in December 2011 increased at their slowest pace since September 2010, and actually declined 2.5 percent in December on a month-over-month basis.

chart

Moreover, Kfoury says household interest rates have always been high, and points out that the consumer debt burden is stable at around 22 percent of total disposable income.

consumer indebtedness

Finally, this chart from the National Treasury shows that despite significant growth in credit / GDP ratio in recent years, the Brazilian position is still below the international standard. And real estate loans with a growth rate of about 50 percent in the 12 months ending in April, is only about 4 percent of GDP.

credit to GDP

Don't Miss: Emerging Markets - This Is What Will Happen In 2012 >

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Source: http://feedproxy.google.com/~r/businessinsider/~3/OkpaI66vkcM/brazil-consumer-credit-bubble-2012-2

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Rising PC Tide Lifts All Boats, AMD Stock Floating To $9

A couple of threats for AMD include the entry of ARM-based players in the PC microprocessor market and the potential cannibalization of PC sales by tablets leading to a slowdown or even a decline.

Source: http://www.forbes.com/sites/greatspeculations/2012/02/28/rising-pc-tide-lifts-all-boats-amd-stock-floating-to-9/

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LIVE: Facebook Execs Tells 1,000 Madison Avenue Execs To Spend Billions


Madison Avenue execs file in to Facebook's big presentation

Facebook is hosting a big marketing conference today in New York. 

The mission is simple, if unstated: reverse the creeping deceleration of Facebook's advertising revenues.

To do that, Facebook will need to get the suits in the seats to stop spending on 30 second spots and start experimenting with Facebook ads.

This shouldn't be hard! The amount of people who visit Facebook every day is four times larger than the Super Bowl's audience.

We'll be posting updates here and on SAI throught the day, so stay tuned.

LIVE NOTES:

If it's not in quotes, it's not a quote, just a paraphrase.

12:58 – They are asking us to take our seats! Big press contigent here. PandoDaily, the Verge, Erick Schonfeld, etc. We saw Facebook execs Grady Burnett and Carolyn Everson in the halls, schmoozing.

1:01 – Big crowd in general.  The LeFrank Theater we're in sits 944 and it is basically full. Here's the theater:

LeFrank Theater

1:05 – The news already announced today was new Pages for brands. They will get to use the Timeline you have in your profile. From the release:

Facebook announced a new design for Pages, giving brands and businesses more ways to tell their story. The redesigned Pages are more personalized and complementary to the look and feel of individual profiles.  Now, when you visit a Page, you can see your friends’ interactions with that Page as friend activity, making the experience more dynamic and relevant for Facebook users..

1:08 – The lights are dimming, here we go! Sheryl takes the stage to rock music. Heavy guitar riffs!

1:09 – Sheryl says: We're at the natural history museum because there are elephants and whales here, and Facebook is always thinking big.

1:10 – Sheryl just pulled the state of the union trick where she tells the story of a Facebook user, and then points out that the user is in the audience. The first story was about a user who had her baby's sickness diagnosed through Facebook friend. Now we're hearing about an Eygptian protestor.

1:12 – The stories mean: technology is powering us. Sheryl is talking about how the Internet has changed our lives.

1:15 – Sheryl is good with a crowd. She's being funny: "I used to look things up in a card catalogue. There are people who don't know what a card catalogue is. And I've chosen to work with all of them."

1:17 – "I know that people think technology tears us apart. We think technology brings us together."

1:18 – This speech reminds me of that Mad Men scene when Don Draper goes through the slideshow, talking about memories.

1:20 – The big concern brands have with Facebook is that it is a hard place to tell a brand story. So Sheryl is telling stories. She's talking about how Victor Cruz (the Giants wide receiver) published his music playlist on Facebook before the Super Bowl so fans could get pumped up with him. 

1:21 –The pitch: People don't expect to be just talked at anymore, they want to be a part of the conversation. Your customers are listening, your customers are talking. Engage them.

1:24 – Facebook is a partnership company. As social media tranforms different industries, we're not doing it. Partners are doing it. Zynga did it in games. Spotify is doing it in music. If marketing is going to be social, it won't be Facebook "it will be the people in this room today."

1:25 – Here's Chris Cox, VP of product. He's talking about his interview. That day in 2005, he didn't think Facebook was the real deal, or that it was working on a serious product that matter.

1:27 – But a Faceobok cofounder (Dustin Moscovitz) told him: "If you think of Facebook as a blue and white dating site, you're incorrect. It is a collaboratively-built directory of people, places and things."

1:30 – Now he's talking about the Facebook Timeline. He's re-using a lot of his speech from when Facebook announced the thing. It's about turning Facebook from a 5 minute conversation about the people you know and your interests, into an hours long conversation. 

1:31 – Chris Cox is talking about Marshall Mcluhan. The number of publishers are going up toward the size of the population. Some company needs to help people find what's interesting. That's Facebook, in this story.

1:34 – Chris says the best thing in fashion magazines are the ads. He says Facebook advertisers are getting better at doing that. 

1:35 – ZOMg! Chris just hinted that Alicia Keys will be performing at the after-party tonight. They really are pulling out all the stops.

1:39 – Now a Facebook advertising products guy is on stage telling the story of Gillette.

1:41 – He is telling the crowd to think less about "ads" and more about "stories."

1:42 – He's showing off Facebook's new brand page. It looks more like a user profile with the timeline and everything:

Facebook Brand Page

1:45 – New feature: Brands can be "messaged" just like a user. 

1:46 – This guy has the cadence of William Shatner. This. New Page. Will. Excite. Your. Customers.

1:47 – We just watched a video that scrolls down a brands facebook page. It was very dramatic and exciting – zooming and full of video. If Facebook Timelines were 25% as cool as the videos Facebook makes to promote Timelines, they would be as cool as Facebook execs want the rest of us to think they are.

1:49 – This guy says Facebook can build a product to help brands reach 75% of their fans every week with "stories." It's called "reach generator." You can move "stories" that are posted to the brand page timeline into an ad unit on the Facebook home page.

1:52 – Butterfinger did this and doubled the amount of people talking about them on Facebook. Their brand favorability increased 6% during the two month experiment.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/P5RnCbuCt7M/live-facebook-execs-tell-madison-avenue-to-spend-billions-getting-in-your-news-feed-2012-2

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Xerox Was Actually First To Invent The PC, They Just Forgot To Do Anything With It


Xerox Alto Vintage Computer

I have to confess that I always chuckle when I hear people arguing about what has contributed most to business productivity in the last one hundred years.

Obviously, many people claim it was the introduction of the personal computer – Yeah, OK, Apple Freaks, we know you were in the game early, but most would argue that IBM gave it legitimacy with corporate America.

Either way, it was a pivotal moment, but my money is on something that happened twenty odd years earlier. The 1960 introduction of the Xerox 914 photocopier, an invention that improved office productivity in an amazing way.

In fact, many years later Fortune called the 914 “the most successful product ever marketed in America measured by return on investment.”

Never forget, before the dry copier, Mad Men’s secretaries had to make carbon copies and cut stencils, then spend hours cleaning all the shit off their hands. It was a messy, time consuming and unpleasant procedure.

The Xerox 914 changed all that, as well as becoming an unbelievable cash generating machine for the company… Yet its very success almost destroyed Xerox and has been extensively written about over the years, particularly in a great book published in 1988 and re-issued in 1999, Fumbling the Future: How Xerox invented, then ignored the first personal computer.

In the sixties and seventies Xerox’s Palo Alto Research Company (PARC) invented just about everything you can imagine. That includes what was recognized as the first true PC – The Xerox Alto… This sucker had everything, Ethernet networking, graphical user interface, icons, bit mapping, scalable type, a mouse, the world’s first laser printer, hot and cold running water, a back scratcher (OK, just kidding on the last two.)

It was years ahead of its time. So what did Xerox management do with it? Not a god damn thing. They were too busy counting the money rolling in every time someone used a 914, ‘cos you couldn’t buy one, you had to lease it and pay for every copy you made. The thing was a gold mine for years until the patents finally ran out.

As everyone knows, the main beneficiary of all the incredible stuff coming out of PARC was Steve Jobs, ‘cos in its infinite wisdom, Xerox gave the King of Apple a conducted tour of PARC, showing him everything they were up to, even watching him as he made notes of everything he was shown. Within months he had hired away some of PARCS top talent and instituted a program that resulted in the Lisa, the forerunner of the Mac, which I worked on before most of you were born!

The moral of the story is that the management at Big Dumb Companies (BDC’s) and their Big Dumb Agencies (BDA’s) is unimaginative, to say the least. But you already knew that. Strangest of all, even in its roughest years, Xerox continued to fund PARC, and they still do. The place continues to come up with amazing stuff. Most of which, Xerox continues to ignore.

Oh, and their advertising continues to suck.

George Parker has spent more than 40 years on Madison Avenue. He’s won Lions, CLIOs, EFFIES, and the David Ogilvy Award. His blog is adscam.typepad.com, which he describes as, “required reading for those looking for a piss & vinegar view of the world’s second oldest profession.” His latest book, "Confessions of a Mad Man," makes the TV show “Mad Men” look like “Sesame Street.”

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Source: http://feedproxy.google.com/~r/businessinsider/~3/8Idc_k1DLQU/xerox-was-actually-first-to-invent-the-pc-they-just-forgot-to-do-anything-with-it-2012-2

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10 Things You Need To Know Before The Opening Bell (COST, SPLS, GS)


Maria Menounos

Good morning. Here's what you need to know.

Bonus: Dancing With The Stars has cast Extra host Maria Menounos in its next season.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/xAWc0Z3uSpk/10-things-feb-29-2012-2

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