Focus

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Oracle Promotion has become the primarily marketing and advertising corporations in britain. This company uses immediate marketing and advertising as they quite simply find out it does not take simply approach that's measurable as well as scalable.




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During an economic downturn (such as the one our economy currently experiences), your business' sales might have decreased. After all, many consumers have lost their jobs, so they have less money to purchase products (other than basic needs such as food). As a business, it is tempting to reduce advertising & marketing budgets should sales have decreased. This might save money in the short run, yet it will hurt your business in the long run. A better option is to continue promoting your business and products.

You might ask yourself, "If consumers are not buying my company's products now, why should I not decrease my company's advertising and marketing budget for now?" Decreasing your advertising and marketing budget is not a wise idea because the economy will eventually turn itself around, and consumers will continue purchasing products. However, if you do not make sure that consumers are aware of your products and businesses now, they will not remember them later when they have the means to buy non-essential products. This means consumers will buy products from competitors who chose to continue advertising their products. In other words, companies that advertise and market their products during economic downturns prepare themselves to sell products first when economies improve.

Although consumers may not actively purchase products now, they may make notes of the products they want when they have more money. In other words, although economically stressed consumers realize that they cannot purchase non-essential items in their present situations, they still have wants and desires, so they make wish lists of items they will buy later. For this reason, businesses that appeal to potential customers' feelings (wants and desires) will get their products places on those customers' wish lists. Companies who start advertising after economies improve miss out on opportunities to sell their products first. It is as if they start a race several minutes after the race moderator blew the "go" whistle: They diminish their chances of winning the race from the start and must work much harder if they want to beat others running in this race.

In the business world, a business sets goals of winning races. That is, a business does not want to allow its competitors from making more money by taking away business. Such races never end even if consumers do not actively buy products. In conclusion, an economic downturn or recession is no excuse to not advertise your products. After all, recessions eventually end, and economic situations eventually improve, so it is in a business' best interests to continue advertising and branding its products during recessions.

Evaluating Granite and Marble Countertops: Which A person Should You Choose?

Granite and marble are both equally stones which suggests they may be equally sturdy, heavy, and astonishingly challenging. Concurrently, since both these stones can really final a life span, they may be the two equally expensive and extremely challenging to polish and set up. Considering that they can be the two stones, they may be obviously patterned, consequently, chances are you'll get granite or surface encounters marble which is not rather similar to the style and design in the catalog you ordered so it will be greatest to really see the genuine item when selecting the type of style and design and pattern which you want instead of relying only on pics. Equally are warmth resistant plus they don't scorch when positioned even having a extremely very hot product such as iron pots and pans.



However, granite is way more challenging than marble and it can be additional resistant to scratches and hefty impacts when compared with marble. At the same time, granite is more defiant to acids such as vinegar, lemon juice, and tomato juice, and other items with substantial amounts of acidity. That may help you far better fully grasp the strengths of each stones, let us get a closer appear as to how they have been formed. Marble, and all its stone family - onyx, travertine, and limestone with the onset were sediments built of shells, plant make a difference, animal skeletons, and silt which all settled for the bottom of bodies of h2o and immediately after a long time of becoming soaked in h2o, they solidify and develop into stones/ Marble’s principal component is calcium and that is the cause why it's a tendency to react to acids these kinds of as vinegar and other beverages that consist of citrus. Granite, then again, is manufactured up of crystallized minerals shaped within the earth’s mantle at substantial temperature. The result is often a difficult, quite resistant stone. Marble may be scratched and etched by acids because it is produced of calcium carbonate and that is a great deal like chalk nevertheless the only distinction is surface encounters marble is compressed and in a very crystallized kind. Within the very same method, marble has less designs, the truth is it is additional normally offered in its white shade so stains and mars may stand out much more subjected in marble. Granite includes a additional complicated pattern that may conceal the stains much better. Concerning styles nonetheless, marble incorporates a finer, a lot more classy search than granite. The crystal formations in marble are more satiny and finer in nature making it seem additional magnificent. Granite has bigger, pea-sized crystals which are coarser for the eye.



In the end, when it comes to durability, the granite countertop will be additional tough and more resistant to stains and scratches whilst the looks are won by marble. Marble nevertheless is inexpensive than granite nonetheless it involves greater routine maintenance. So, it all boils right down to what you truly want as being a countertop. Would you settle for any countertop that is very hard-wearing and however not as very since the other one particular, or would you trade elegance for longevity and power?

Background Check Sources Easy And Cost Effective

An employment criminal background check is now usually done not only to possible employees but to present employees for marketing as well. It is generally carried out to validate info discovered on an employee's resume or application form. It is also carried out to identify the very best suited possible employee amongst the candidates. Also with what has happened on September 11, 2011, employers are now extremely worried with the type of employees they hire.

A track record investigation includes criminal, arrest, imprisonment, and intercourse offender paperwork. This is really a type of check exactly where state records are examined to investigate if a possible worker or current employee continues to be convicted or charged with any crime in opposition to the state.

Citizenship, immigration and legal operating standing checks are also carried out simply because American businesses are barred from hiring unlawful employees by the Department of Homeland Security and its Immigrations and Customs Enforcement Division.

Litigation records will also be checked. Workers who frequently file discrimination instances might be recognized as a risk to a business thus employers resort to litigation checks. Also, those companies who do business using the authorities do not want to employ whistleblowers who file qui tam suits.

Driving and car data will also be part of the track record examine, especially when a potential worker is applying to get a driver position. Employers look for employees who've clean driving records or those that have no records of vehicular accidents or visitors tickets.

Drug test data are also becoming checked. An employer would not wish to employ drug addicts in his company because of corporate ethics, employee performance will be impacted and increase of workers' compensation premiums.

Schooling data will also be part with the records search investigation. This is carried out to verify academic attainment of the possible employee and sometimes to examine if applicant has had misdemeanor records in class.

Prior employment data may also be checked especially if the applicant will fill a sensitive place within the business. This really is generally done verbally.

Financial information is also checked especially in the event the place becoming crammed demands someone to handle large quantity of money.

For professionals, licensing records are checked for grievances, disciplinary actions and investigations.

Medical, psychological and physiological files are also checked because a possible worker might not be match to work for health factors. A written consent from the applicant should be procured before heading via the entire procedure.

Social security number examine is also done because identity theft is fairly rampant. A previous life may be concealed or an applicant might not have fulfilled the citizenship necessity might be verified via the social security quantity.

Although most the over records are public records and can be procured from various authorities companies within the United states of The united states, it is nonetheless extremely inconvenient for employers to do background examine on its potential employees as well as current workers. There are a number of private investigators who provide the service. Also, there are third party providers who also offer exactly the same type of service. You will find also accessible online data financial institutions which may offer the essential info about individuals. What they do is they buy U.S. public records and provide them online for a fee.

How you can Build a great Credit rating and History

More and much more lenders, employers, landlords and insurance companies are checking your FICO score as part of their process of approving your loan, landing a career, having your own home to live, or good prices offered for just about any kind of insurance that you may have utilized for. To achieve all of these things that you are dreaming of accomplishing developing a great free credit score online background is the first factor which you need to do if in case you acquired 1 with a poor background.

Credit scores start from a reduced 300 to the cream with the crop 850. A regular customer has a credit score assortment of 600 to 700 but some might have much more than this. A FICO score will be the basis of most lenders and credit score bureaus of computing your creditworthiness. A great credit score score falls on an average of 720 and above. Where does one obtain the info on their respective credit scores? By law this is given for free once a yr coming from the 3 main credit bureaus: Equifax, Experian and TransUnion. Your scores and credit score history exhibits your present and closed accounts also as your payment background.

Lenders do usually have a look on your free credit score online background because the basis on whether they'll grant your mortgage at a great rate of interest or deny this altogether. If correct now you are intrigued on applying to get a home loan that necessitates a high credit score then it would be best to apply for FICO score monitoring which generally gives you an update on your scores on a weekly foundation. Subscribing to this on-line support alerts you when you have reach your high score goal as long as you setup a threshold for it. Some would go so far as sending you an sms to inform you whenever your scores have alter for the much better or for your worst.

To assist you develop a better credit score and background listed here are some easy recommendations to adhere to:

Request a copy of one's credit report as required if not wait around for it as soon as a yr but do keep track of your background for just about any mistakes. In the event you see discrepancies then you are able to dispute them by heading through your reports thoroughly.

Pay your expenses on time. Add some much more around the minimal quantity that you usually spend because this would cause your credit score score to rise and would be noticeable for many lenders that you are a good borrower simply because you pay on time and is also sincere in settling your bills.Avoid maxing out in your credit score limit. This will surely trigger your credit scores to drop that fast. Cancel credit score cards which you aren't utilizing or don't need and spend on time for your credit card bills.

Making Money With a Website

The idea behind tapping into collective intelligence is simple: There’s bits of useful information distributed among the members of diverse crowds, so aggregating their judgments should yield a better answer — better even than experts’ — to a particular question.

But ARA is looking to do something just a little different from other crowdsourcing efforts. While many similar tools assign equal weight to participants’ inputs, ACES will be looking for the most accurate predictors over time and weighting their judgments more heavily than other users.

Tools that tap into the smarts of the crowd have shown promise on a host of challenges over the years. Researchers have used Twitter buzz about upcoming movies to make pretty accurate predictions about box office sales on opening weekends. Tools like Ushaidi, nonprofit software that lets users map incidents, resources or people in the midst of crises, has helped rescuers find and save victims of disasters like Haiti’s earthquake.

ACES is a crowdsourcing tool somewhat similar to an online poll. People who sign up for the website will be asked whether an event in the fields of politics, economics, science, society or security will take place and what probability they assign to it. Their answers are then aggregated to see if the group produces an accurate prediction. It’s not a prediction market like the famous InTrade, which lets users bet on just about anything you can think of. No money changes hands on ACES — only opinions.

For ACES to be successful, it needs to attract a diverse pool of users and keep them engaged. But the online world is home to a lot of crowdsourcing tools and prediction markets, posing stiff competition for the marginal predictor’s attention. In addition to sites like InTrade, there’s a slew of other options available. The University of Iowa’s Iowa Electronic Market has been around since 1988 letting users bet on presidential elections or Federal Reserve Policy. Cinephiles use the Hollywood Stock Exchange website to bet on opening weekend box office hauls and other movie-related events.

Warnaar says he’s hoping some of ACES’s features designed to research analytical skills for the intelligence community will also prove interesting to the average user. “We’re thinking that people will be interested in competing with others and maybe learning how to become better forecasters.”

To accomplish that, ARA is working on a tool intended to help forecasters better calibrate their estimates of a prediction’s probability. For example, let’s say ACES finds out that when you say there’s a 60 percent chance an event will happen, it turns out that over time your “60 percent” guesses actually end up having a probability of closer to 40 percent. The site will then clue you in to your serial over or under-confidence, giving you feedback on your forecasting ability and allowing you to adjust accordingly.

Other features planned for the site would allow a social dimension to the prediction process. There’s some evidence that indicates information sharing among participants may undermine the accuracy of the crowd, turning a wise crowd into a dull mob. Warnaar says the jury is still out on the effect of social influence. “It’s not clear, for example, whether or not collaboration between participants helps or hurts.” Either way, he plans to find out, as ACES will experiment with features that lets users work together on prediction challenges.

Just like with math problems, ACE wants you to show your work after making a prediction. ARA has yet to determine how exactly participants can elaborate and collaborate on predictions. But some approaches could involve having users write about their rank their reasons behind it and let others vote on them.

“We think there’s a way of doing it this way that would basically give us the arguments for [a particular event] and split the problem apart in such a way that people start thinking about this problem a little deeper than they otherwise would,” says Warnaar.

Turning to the crowd has proven pretty popular with security types. In-Q-Tel, the CIA’s venture capital arm, recently began work on a prediction market aimed at forecasting computer security events. Darpa, the nerd cousin of Iarpa over at the Defense Department, tucked away some cash in its budget last year to farm intelligence, surveillance and reconnaissance data out to the crowd in search of better analysis. The Navy has even turned to crowdsourcing via online multiplayer games in order to hunt for better ideas against piracy.

So how would ACES be applied in the intelligence community? ARA’s press literature mentions National Intelligence Estimates (NIEs) as an area of potential application. NIEs represent the top-level assessment of America’s various spook agencies and senior-most analysts on a particular topic. Right now, ACES is still in the research phase and any firm ideas on how or would just be speculative, but it’s not hard to imagine potential uses. A validated ACES tool that polls intelligence analysts could complement an NIE, letting intelligence consumers gain a more complete picture of the intelligence community’s views on an issue.

But that’s only possible if ACES turns out to be accurate, something that’s yet to be proven. It’ll be a long while before answers are forthcoming — the project won’t be completed for another four years.

Photo: Focus Features

See Also:

• Challenge! Darpa Crowdsources New Military Vehicles


• Jihad Forums Crowdsource Fantasy Assassination List


• Military May Crowdsource Haiti Relief


• NATO’s Newest Bombing Tool: Twitter


• Paging Chris Anderson: Darpa Wants DIY Drones


• Physicist: I Can Predict Insurgent Attacks, Thanks to The ‘Red …

Holding on to unclaimed property could soon begin hurting corporate bottom lines as cash-strapped states adjust their escheatment policies in an effort to raise revenues. States are changing the rules regarding the seizure of lost property, changing the reporting requirements for corporations that must report unclaimed property, and increasing audit activity and the size of fines, all in an effort to speed up the process that awards unclaimed funds to their rightful owners or to the state.

An area of compliance that hasn’t generated a lot of concern from corporate secretaries may soon command their attention – but not in a good way. Fines for non-compliance can be in the millions.

‘We’re seeing states increase the number of audits that they conduct in an effort to induce penalties, fines and interest fees,’ says Karen Anderson, vice president of compliance at Unclaimed Property Recovery and Reporting, which provides pre-escheatment owner location services to corporations.

‘States are also changing the extent of what needs to be reported – for example, making it clear that they want the social security numbers and even email addresses of the owners of lost property,’ Anderson says. Such changes have financial implications for companies because internal systems and controls may need to be adjusted in order to meet the new standards of compliance.

John Buonomo, senior vice president of regulatory services for AST, says the dormancy periods for unclaimed property continue to shrink, which means companies have to be more diligent about alerting the state that the time owners have to collect their property has expired. He says most states used to have five-year dormancy periods, with some at seven years, but now ‘there are no sevens and very few fives; almost everyone is at three years, with a few states pushing to move to two years on certain assets.’

Time is short

Unclaimed property laws in 48 states and Washington, DC have dormancy periods that are triggered by inactivity, so companies need to be aware of the length of time that each state believes constitutes ‘inactivity’. The faster the dormancy period is reached, the faster the states can start assessing fines or collecting lost assets for their coffers.

Increasing the number of audits also increases the opportunities to collect fines. Buonomo says California was one of the first states to begin aggressively fining companies, but Michigan is implementing fines this year and other states are following. Experts estimate that in most states, only 15 percent to 35 percent of all companies are in full compliance with escheatment laws, so enforcement could yield a pretty penny.

The cost to some companies could be huge. On unclaimed property consulting firm Keane’s website, a blog post written by chief compliance officer Debbie Zumoff and Valerie Jundt, the managing director of Keane National Consulting and Advisory Services, warns that ‘because there’s virtually no statute of limitations for unclaimed property in most states, the time frame for compliance may be expanded, creating the need to estimate liability for historical years. This can result in an increase in the known liability by three to eight times, translating into millions of dollars potentially owed to states in fines and penalties.’

And states are ramping up efforts to collect, with the backing of the courts. Insurer John Hancock has been involved in three collection actions already this year – a $20 million unclaimed property settlement in California, an agreement to establish a $10 million fund to repay beneficiaries and supply an additional payment of $3 million to three regulatory agencies in Florida, and a settlement with Louisiana, 35 states and the District of Columbia to recover unclaimed insurance proceeds.

Financial institutions such as John Hancock have become prime targets for states that have stepped up enforcement of escheatment laws. Jundt identified several areas where financial institutions were particularly vulnerable to liability in a recent article she penned for Bankers Digest. During an audit, states may find that financial institutions have not properly identified potential unclaimed property that should be included in their annual reports, have forgotten to return small loan credit balances to customers, have not followed up proactively to reactivate customers’ dormant accounts, or have simply made filings to the wrong state. Because financial institutions deal with massive amounts of money and potentially millions of customers, mistakes are often duplicated many times over, and this can lead to multiple fines that can add up to millions of dollars.

Staying in compliance

To avoid state actions, Anderson suggests companies reassess their policies and procedures on unclaimed property to make sure that they are in line with state regulations. Some states have changed their rules concerning the types of assets that are considered unclaimed property, so being proactive about compliance before being audited will help companies to avoid fines.
‘With so many states cash-strapped and extending their reach, being proactive has never been more important than now,’ says Anderson.

Companies should also review the effectiveness of their unclaimed property efforts more regularly, looking for ways to improve efficiency. A quarterly review of company procedures involving reaching out to unclaimed property owners or exploring new options for locating beneficiaries is a positive step.

Buonomo, whose company helps stock issuers locate the owners of lost shares, says stock issuers, who often find themselves in the position of locating beneficiaries of shareholders who have died or forgotten about shares, should consider implementing escheatment programs that can handle unclaimed property issues in the future. He says such programs, which actively seek out the owners of unclaimed property and return it to them, can have a positive effect on the reputation of a company. Stock issuers usually don’t pay for programs that return shares to shareholders – instead, companies charge the shareholders a fee for alerting them to their lost asset. Even thought they have to pay a little to get hold of their assets, customers will generally think highly of a company that is honest enough to return money to them that they didn’t know they had coming.

Such programs can also protect corporate secretaries and investor relations executives from the wrath of their boards. ‘If you get hit with a $500,000 fine from California for being late on escheatment of property, no exec is going to be able to explain that away to the board,’ Buonomo says.

[Article by Matthew Scott, Corporate Secretary]

reputation management and social media

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Im Making Money

In 11 days, Alberto Del Rio takes part in his first-ever Money In The Bank pay-per-view. The problem is that there isn't much knowledge as to what exactly he will be at that pay-per-view.

Del Rio was announced as one of the eight Money in the Bank participants for RAW's ladder match. If Del Rio wins that briefcase, he would be given a chance to cash in a title match against the WWE Champion, who is currently John Cena.

Del Rio facing Cena has been a rumored SummerSlam main event for quite some time, so having Del Rio win and cash in quickly could set up this as a main event for SummerSlam with the WWE Championship on the line. This seemed to be a likely scenario for Del Rio, until CM Punk's worked shoot promo occurred.

CM Punk, his promo and his future in WWE is the one thing that has captivated all pro wrestling fans in the last few weeks. His promo has brought more discussion from more unlikely outlets than many other WWE story lines in recent memory.

Last week's RAW was taped the same night as CM Punk's shocking promo, meaning that his suspension and reinstatement was already making its way around wrestling sites days before it actually happened.

With that known, WWE still put on a triple threat number one contender's match on that same RAW to crown a new challenger for John Cena's WWE Championship. Del Rio competed against Rey Mysterio and R-Truth in that match, which was seldom talked about compared to the reinstatement of Punk.

All three men in the match were already a part of RAW's Money in the Bank ladder match. Logic would suggest that the winner would be pulled from the Money in the Bank ladder match in favor of the WWE Championship match, putting a new participant in the mix.

You’ve doubtless heard about the Airbnb fiasco – being dubbed #ransackgate by some – that’s been exploding the last couple of days. If you’re not familiar with the story, we first covered it here, and there’s some terrific source material from the woman who’s home was ransacked and robbed here and here.

Today Y Combinator founder (and Airbnb investor) Paul Graham wrote this:

I’ve just learned more about this situation, and it turns out Airbnb has been offering to fix it, from the very beginning. From the beginning they offered to pay to get her a new place and new stuff, and do whatever else she wanted.

The story Arrington wrote yesterday about Airbnb not offering to help was bullshit. He asked a company spokesman what Airbnb was doing to help her. The spokesman, who’d been told by their lawyers that he couldn’t go into detail about that because of the precedent said “I can’t comment on that.” So Arrington, in typical Arrington fashion said “Well, unless you tell me I’m going to write that you’re not willing to do anything for her.” And he did. Really not cool.

I’ve talked to the Airbnb guys and they are already doing everything they could be doing to help this woman.

Even if you don’t believe they are nice guys (which they are, among the nicest of all the people we’ve funded), do you really think they are so dumb that they don’t realize it’s not worth the bad PR to save money and effort in this situation?

A few thoughts:

1. What the hell?

2. Airbnb’s Christopher Lukezic told me on Wednesday that the company was not responsible for EJ’s losses, that they would be paying anything for her losses, that they are just a service to match people and that they were helping the police find the people who did this. This was on the record, and it was a call we emailed about first. I didn’t take him by surprise. And I read this back to him before I posted.

3. Paul Graham says instead “The spokesman, who’d been told by their lawyers that he couldn’t go into detail about that because of the precedent said “I can’t comment on that.” So Arrington, in typical Arrington fashion said “Well, unless you tell me I’m going to write that you’re not willing to do anything for her.” And he did. Really not cool.

That’s a lie. What he said is what I wrote in no. 2 above, and what was in the original post.

4. Following publication of that Post, Airbnb Brian Chesky called me and I updated that post with his comments, mentioning that there was some miscommunication. I retweeted that there was an important update, and added a bold header at the top of the post mentioning the update.

5. I then added another update, an email from Lukezic. And another update pointing to a guest post by Chesky on the issue. It is absurd to think that I made up the statements that Lukezic made to me in our first interview. It wasn’t even really relevant to the story.

6. Chesky repeatedly thanked me for the updates by email and on the phone. If Lukezic wants to publicly call me a liar, he should do so directly.

7. I’ve seen this exact behavior before with the Scamville stuff a couple of years ago.

The real problem here isn’t some mixup in communication with me. The real problem is that the victim wrote that follow up post yesterday calling Airbnb out and making new allegations of an attempted cover up.

It kind of feels to me that what Airbnb really wants to do is call the victim, EJ, a liar. But they’re certainly not going to do that (although if they have evidence that she’s lying, they should be talking about that). Instead, they focus on us, call me dishonest and suggesting that the whole story is “bullshit.”

One thing I love about our readers is that they’re independent thinkers. Often they don’t agree with my opinions, and say so loudly. But this goes too far. I’m not the person who grossly mishandled a PR crisis. I’m not the person who made factually inaccurate statements on the record. I’m not the person who tried to convince a woman who’s life has been shattered to remove a blog post.

At least have the decency to stand up and say you’re wrong, Airbnb, and apologize for the lies. Because hiding behind investors, and attacking the press, is both dishonorable and stupid. That’s no way to gain customer trust.

PS – If you review our historical coverage of Airbnb, it’s hard to say there’s anything but a pattern of cheerleading the company on since it launched in 2008. And we’ve been massive, unquestioning supporters of Y Combinator over the years as well. I don’t know what Paul Graham means by “typical Arrington fashion,” but I do know this. It’s not my job to fix it when companies do stupid things.

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<b>News</b> In Brief: Molecules/Matter &amp; Energy - Science <b>News</b>

Clear batteries, mucus busters, a 3-D invisibility cloak and more in this week's news.

<b>News</b> In Brief: Molecules/Matter &amp; Energy - Science <b>News</b>

VICE PRESIDENT BIDEN <b>NEWS</b> ! « Gretawire

If you think this is a “done deal,” think again. Vice President Biden is expected to speak in the House of Representatives. You know that would not be happening if [...]

VICE PRESIDENT BIDEN <b>NEWS</b> ! « Gretawire

Congressional Sources: Republicans and Democrats Reach Tentative <b>...</b>

ABC News' Jonathan Karl (@JonKarl) reports: Democratic and Republican Congressional sources involved in the negotiations tell ABC News that a tentative agreement has been reached on the framework of a deal that would ...

Congressional Sources: Republicans and Democrats Reach Tentative <b>...</b>