Friday, September 7, 2012

Bankers find another beef with proposed U.S. rules | Finance ...

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Copyright ? 2012, Finance and Commerce, U.S. Trust Building Suite 100, 730 Second Ave S. Minneapolis, MN 55402 (612) 333-4244

Source: http://finance-commerce.com/2012/09/bankers-find-another-beef-with-proposed-u-s-rules/

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Thursday, September 6, 2012

Goldman must face mortgage debt claims: US court

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A federal appeals court in New York on Thursday revived a lawsuit accusing Goldman Sachs Group Inc of misleading investors about the risks associated with 17 mortgage securities offerings.

The 2nd US Circuit Court of Appeals said a lower court judge erred in refusing to let the NECA-IBEW Health & Welfare Fund, which owned some mortgage-backed certificates, raise claims on behalf of purchasers of certificates backed by mortgages originated by the same lenders.

It also said the lower court judge erred in requiring the fund to allege an out-of-pocket loss in attempting to show that an illiquid security had lost value.

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Source: http://economictimes.feedsportal.com/fy/8av2Fvy0du6kX35T/story01.htm

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Source: http://www.macobserver.com/tmo/forums/viewthread/84923/

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Wednesday, September 5, 2012

Antique Chair Makeover - The Family CEO

This chair belonged to my husband, Tom?s, Grandparents. It became Tom?s after his grandmother died in the late 1980?s.

For many years, the chair sat in the master bedroom of our first house in just this condition. It wasn?t pretty, but it was functional.

In fact, Tom carefully put his dress shirt over the back of this chair when I called him home because I was in labor with our daughter, almost 21 years ago. He was convinced he would be going back to work, even though I was already eight days overdue.

The dress shirt was still there when we brought her home from the hospital two days later. :)

After we moved to the home we?re in now, the chair went into storage in the basement. I kept meaning to have it recovered but never got around to it.

A couple of months ago I ran across an ad for an upholsterer located nearby and I quickly sent off an email, expecting never to be contacted. I was so pleasantly surprised when Chuck (of Dela Studios Upholstery if you?re in the KC area) emailed me back right away.

I spent an afternoon looking at fabric samples at the shop that he and his wife run out of their home. And yesterday I picked up this.

I can?t tell you how much I love the results and I can?t believe I waited so long to get this done.

This spot is where Tom reads his paper and drinks his coffee each morning, so I deliberately chose a masculine, menswear-type fabric.

Chuck, the upholsterer, not only recovered the chair, but added new foam stuffing, tightened up the joints, and touched up the wood. Although I asked him not to touch the wood up too much, because I wanted to keep most of the distressing, especially on the arms.

He did such a fabulous job and I can?t wait to use his services again. It is so much more fun to give new life to old things than to buy new things.

Here she is from another angle. (Chairs are girls, aren?t they?)

And one more time:

Have you had furniture reupholstered? Does it give you a special thrill too?

Also, if you haven?t had a chance, please take my one question survey about the kinds of posts you like to read on the blog. It will take you just a second and you can find it here: one question survey.

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Source: http://www.thefamilyceoblog.com/2012/09/antique-chair-makeover/

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Marketing online businesses with the help of SEO - Super Team ...

By sachin ? Wednesday, September 5th, 2012

Designing a website for businesses to improve their profit has become a common phenomenon and has also been accepted as a prerequisite for growth. Most businesses whether big or small, are keen to spread awareness about their products and services. It is owing to this that SEO or search engine optimization is considered as a valuable online marketing tool for businesses of various kinds.

The nature of traffic directed to an online business has a considerable impact on the total sales generated by a business. More traffic implies more sales and profit. Traffic flow or the number of users who visit a website or related links depends on the content of the website. This content determines the website?s ranking in the search engine. Thus a good quality SEO content writing will draw search engines towards a website and thus the site will be ranked highly and in will receive improved visitor traffic. Web design Leicester aims to impart a powerful Internet presence and rankings for their clients and this is done through services that comprises of specialist web page content and Internet marketing.

Search?engine?marketing?is a practice where a particular website is examined by a SEO company to make it search engine friendly so that search engines can easily recognize and find the website from innumerable companies on the internet. Essentially it is a two way process where on page and off page optimization is done to endorse the website to draw huge traffic. On page optimization comprises contents loaded with keywords, keyword search and title tag and meta keyword tag. Off page optimization implies link building, linking exchanging, blog writing, and compliance to article directories. These two procedures combine to improve website traffic and thus enhancing its page ranking.

Google serves as the most aggressive search engine to provide online presence to businesses. It is the most widely used search engine that has been acknowledged worldwide by users. These days, online business show great prospects for growth and development and to launch a product in the worldwide market. Internet has the potential to take businesses to great heights and also provide access to business opportunities available in the global market.

Marketing online business?is hence the most significant step of initiating online business. It has proved to be the best strategy to achieve success through online presence and enables it to advertise its products on a global basis. Thus most entrepreneurs consider the creation of their business website as the stepping stone for launching their products and services. Web design Leicester helps them in this endeavour by providing a website with pertinent pages that are simple and easily searchable by potential customers. Online marketing or search engine optimization is one of the most efficient ways to drive your website towards enhanced performance, attract larger and better quality of traffic towards a website and hence an upward trend in sales and profit for the business.

Source: http://superteammarketing.com/2697/marketing-online-businesses-with-the-help-of-seo/

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Home Improvement and Furniture ? Blog Archive ? Guidelines and ...

Everyone wants to possess their rooms as stylish as those of the rich and famous, or the ones we see on Tv. The sad fact is, not every person is wealthy and renowned, and never everyone is lucky sufficient to obtain a camera crew in their home. But every person can possess a beautifully styled space, as long as they try challenging sufficient and follow these recommendations and tricks to interior decorating.

The first thing you are going to need to work on will be the focal stage within the space. This is the most critical and eye-catching piece within the space, the most important feature. It must be the very first factor you see inside the room and something which is enjoyable to examine. For example, a fairly picture or even a substantial window would be a fantastic focal level. When you don?t have a focal position inside a space, you can create one by incorporating a pretty guide shelf, cabinet, table, or an interesting mirror.

Whenever you pick wallpapers and materials for your items inside the space, you?ll be able to opt for coordinating hues and patterns. This offers the room a really complete appear, and tends to make it search skilled. Attempt to make the designs diverse sizes like massive, medium and tiny to ensure that they match but it doesn?t search overdone. Textured materials also include an aspect towards the space. Be certain to pick colors and patterns that please the eye and that you like.

Though it really is important for the space to match, from time to time obtaining the exact same design within the entire room may be boring. So attempt to alter the fashion of the space in 1 portion with the space, such as the center. If every little thing matches, add in an extra piece that?s out of the theme. For example, a contemporary coffee table within the center of a conventional room. A splash of coloration inside a white room or perhaps a set of stripes in a plain room, anything can break the pattern just a little bit.

Coordinating style and perform is very important. Finding locations to shop your products is crucial in just about every space. Corners that are empty may be crammed having a cabinet which will probably be stylish and beneficial to keep issues in. You?ll be able to put addresses on tables so that you can hide containers or magazines. You are able to also get a rolling box to put beneath the bed to store outdated garments, guides, or plates.

In some cases it truly is enjoyable to change the fashion up a little and make the decor of a room seasonal. You can choose to get two different pillow addresses, 1 for the very first half with the yr, and yet another for that latter fifty percent. You could also get reversible drapes to change every single period or so. You could alter centerpieces with all the period like sunflowers for summer, fruits and leaves for autumn, pine cones for winter and potted lilies for spring.

Source: http://www.yakult-gz.com/home-improvement/guidelines-and-tricks-to-inside-decorating/

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Firms' deletion of online critiques draws 'censorship' cries

By Bob Sullivan

The First Amendment allows American citizens to say almost anything without fear of being thrown in jail by the government. The free speech it guarantees does not, however, mean your comments are protected from being thrown off a website.?

Still, those who ?censor? consumers online quickly draw the full ire of the Web. Two years ago, when Apple launched its iPhone 4 and was caught deleting threads on its own website about a critical Consumer Reports review, the Internet's revenge was swift and brutal.?

Social media complicates the issue, as nearly all major brands have thriving interactions with consumers on Facebook and Twitter, inviting potential swarms of negative comments. Deleting such comments on third-party social media sites is a big Internet faux pas, so most companies use the language of free speech when they discuss social media, claiming they permit open discussions.? But experts say some firms do try to stuff the genie back in the bottle, quietly erasing negative comments, trying to buck Internet culture and hoping they don't get caught.

Two recent high-profile incidents of alleged "censorship" -- which both companies deny --- demonstrate the quandary companies are in, and how suspicious consumers are.


When United Airlines "lost" a 10-year-old traveling to summer camp, its Facebook page was deluged with negative commentary.? The airline was accused of deleting some comments, but it told NBC News that it doesn?t censor its page, and only removes comments that violate its terms. Around the same time, Wal-Mart deleted comments from a man who said his wife was mugged outside a store in Oakland, but Wal-Mart officials tell NBC the comments were deleted in error, and that the firm doesn't remove negative comments.

A glance at both firms' Facebook pages proves they certainly permit negative commentary there, and that consumers have quite a knack for writing it.

There is general agreement from all sides that, when it comes to social media, firms shouldn't delete negative comments about themselves and should generally act as if the First Amendment applies.? Developing that stiff an upper lip is easier said than done, however, says David Armano, social media expert at public relations giant Edelman Worldwide.? And consumers who suspect some negative comments are getting vaporized by companies aren?t necessarily off base.

"(Deletion) is definitely more common than you think," he said. "I'm not going to throw names out there, but many of our clients grapple with it. Some of them have deleted comments against what we advise."

Many organizations still haven't made the psychological leap from websites to social media, he said. Despite Apple's bulletin board woes, there is a gray area when companies choose to control what appears on their own dot.com. But erasing comments from Facebook is universally seen as a no-no by users, he said.

"A lot of organizations just really don?t understand the difference between these new social channels and what they knew as digital a few years ago until they learn the hard way," he said.? "The most common knee-jerk reaction is, 'This is our property, so we can delete.' There is a temptation to do so unless you really have been in social for a while."

Deleting comments and getting caught can be a nightmare -- and that nightmare is only one screen shot away.

Thomas Hawk thought he caught Wal-Mart deleting his comments after his wife allegedly was mugged in the parking lot of the chain's Oakland store Aug. 19.?

"Apparently, it took over 15 minutes for anyone from the Wal-Mart store to get involved and the manager did not want to call the police," he wrote. A screen grab showed his initial post on Wal-Mart?s page, and a subsequent grab documented its removal.? A second post complaining about the removal was also deleted, but that hardly ended the incident. Hawk's personal blog entry about the deletions went viral, and eventually landed on Reddit.

"I'm pretty unsatisfied actually at their response to the whole situation," Hawk told NBC News.

Wal-Mart said its policy is not to delete negative comments and that Hawk's comments were deleted erroneously by its third-party social media monitoring company. His initial comment was removed because the word "assault" triggered a profanity filter (it included the word "ass"), a company spokesperson said; his second comment was removed because it contained a hyperlink, against the firm's terms of use.

After workers noticed the error, the company reposted Hawk's initial comment two days later and apologized.

?We conducted an internal review and found that it was a system error that flagged your post as containing profanity,? the apology read. ?It should not have been deleted. It is not our policy to delete a post like yours. We are reposting your original post below. Of course, we always want to improve safety and have shared this situation with those responsible within the Wal-Mart team.?

The incident shows how prickly Internet users are about comment deletion -- there was far more discussion of the alleged censorship than of the alleged mugging.

The great risk from deletion, as shown in the Wal-Mart case, is that it often backfires.? Attempting to erase criticism often magnifies it, drawing extra attention to a consumer's comment that might otherwise have been ignored, or throwing gasoline on a fire that's just begun to burn.

"I think a lot of brands have learned the hard way that people will grab screen shots. Once it's on the ?Net, it's there forever," said Carri Bugbee, founder of Portland-based social media consultant firm Big Deal PR. ?Deleting comments can get messy too, she said. Those who respond to the initial comment might also be removed, and inevitably, an awkward ?why did you delete that?? thread gets started.

United Airlines was accused of deleting comments in the wake of the "lost" 10-year-old incident, but it flatly denied the accusation to NBC News.?

Around the same time, United passenger Sarah Liddle told NBC News that her comments were deleted from United's Facebook page after she complained about poor service.

?United pulled my entire post from their page. No response from them, nothing inappropriate in my post and nothing offensive, (and they) didn't inform me why they removed it from their page," she said. "They just pulled the post. I was furious and still am."

Liddle did not have a screen shot of her post because, she said, she didn't expect to need one.

United spokesman Joe Micucci said he couldn't comment on Liddle's post, because he hadn?t seen it, but repeated the firm's non-censorship policy.

"We do not delete comments unless they contain profanity, are hostile in nature or mention an employee?s name in full," he said.

Liddle said her post did include the name of an airline employee, potentially explaining its removal. But both Liddle and Hawk said they were annoyed that they weren't notified when their posts were removed. Doing so would be tricky and time-consuming for companies, but a simple "your post violated our terms" notice might head off accusations of censorship, and any subsequent social media firestorms that might ensue.

Armano, the Edelman social media expert, said companies need to clearly and conspicuously post their comment terms so consumers know where they stand before they post.

"We recommend (they) have clear moderation policy that sets your terms, so it?s accepted that if there?s hate speech it will be removed, and it?s clear what else is unacceptable,? he said.?

But even with that in place, critical decisions that could lead to PR disasters too often are made by junior employees, Bugbee said.

"A lot of this stuff gets delegated to people who don't have crisis management experience, who don?t understand the implications," she said. "Hopefully people know better than to delegate this stuff to interns ... but it?s soft skills that are more important. Any 14-year-old can learn how to use Facebook, but the soft skills of having judgment, knowing how to respond, that's what matters. So companies have to train their people well."

A clear chain of crisis command is also critical, she said.

?I don't think most people have that. If something happens, who is the final arbiter? I tell clients, ?Mr. VP, I need your cell phone, and I may call you any night, any weekend,?? she said.

Armano uses a unique metaphor to help companies wrap their heads around the kinds of issues they'll face on Facebook and Twitter.? He compares social media hangouts to embassies and says companies should act like respectful foreign diplomats on embassy soil.

"These are like social embassies. They are like a piece of land in another country; maybe you control the grounds, but what happens just outside the embassy you have no control over," he said, adding that ??trying to control the discussion or the protests there is "just not worth it."

* Follow Bob Sullivan on Facebook.
* Follow Bob Sullivan on Twitter.?

Source: http://redtape.nbcnews.com/_news/2012/09/04/13591835-pouring-gas-on-a-fire-firms-deletion-of-online-critiques-draws-censorship-cries?lite

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