Privacy Policy

Privacy Policy for fomaus info

If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at fomaus@gmail.com.
At http://www.rinanose.tk we consider the privacy of our visitors to be extremely important. This privacy policy document describes in detail the types of personal information is collected and recorded by http://www.rinanose.tk and how we use it.
Log Files
Like many other Web sites, http://www.rinanose.tk makes use of log files. These files merely logs visitors to the site - usually a standard procedure for hosting companies and a part of hosting services's analytics. The information inside the log files includes internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and possibly the number of clicks. This information is used to analyze trends, administer the site, track user's movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.
Cookies and Web Beacons
http://www.rinanose.tk uses cookies to store information about visitors' preferences, to record user-specific information on which pages the site visitor accesses or visits, and to personalize or customize our web page content based upon visitors' browser type or other information that the visitor sends via their browser.
DoubleClick DART Cookie
→ Google, as a third party vendor, uses cookies to serve ads on http://www.rinanose.tk.
→ Google's use of the DART cookie enables it to serve ads to our site's visitors based upon their visit to http://www.rinanose.tk and other sites on the Internet.
→ Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL - http://www.google.com/privacy_ads.html
Our Advertising Partners
Some of our advertising partners may use cookies and web beacons on our site. Our advertising partners include .......

• Google

While each of these advertising partners has their own Privacy Policy for their site, an updated and hyperlinked resource is maintained here: Privacy Policies.
You may consult this listing to find the privacy policy for each of the advertising partners of http://www.rinanose.tk.
These third-party ad servers or ad networks use technology in their respective advertisements and links that appear on http://www.rinanose.tk and which are sent directly to your browser. They automatically receive your IP address when this occurs. Other technologies (such as cookies, JavaScript, or Web Beacons) may also be used by our site's third-party ad networks to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on the site.
http://www.rinanose.tk has no access to or control over these cookies that are used by third-party advertisers.
Third Party Privacy Policies
You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. http://www.rinanose.tk's privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites. You may find a comprehensive listing of these privacy policies and their links here: Privacy Policy Links.
If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers' respective websites. What Are Cookies?
Children's Information
We believe it is important to provide added protection for children online. We encourage parents and guardians to spend time online with their children to observe, participate in and/or monitor and guide their online activity. http://www.rinanose.tk does not knowingly collect any personally identifiable information from children under the age of 13. If a parent or guardian believes that http://www.rinanose.tk has in its database the personally-identifiable information of a child under the age of 13, please contact us immediately (using the contact in the first paragraph) and we will use our best efforts to promptly remove such information from our records.
Online Privacy Policy Only
This privacy policy applies only to our online activities and is valid for visitors to our website and regarding information shared and/or collected there. This policy does not apply to any information collected offline or via channels other than this website.
Consent
By using our website, you hereby consent to our privacy policy and agree to its terms.
Update
This Privacy Policy was last updated on: Saturday, December 6th, 2014.

Read more »

bisnis new

Hello fellow Earner we hit the mother load! New program just opened its doors to the masses and you wont want to miss this so hurry please. You can make 4% to 6% daily and get your funds back up to $25,000.00 per spot. Measly 20 bucks to join and they pay out daily ya gotta see this it is so cool. When a deal this fast opens and has the admin and funds to back up what they say with millions of contacts you go join. http://www.bampaid.com/index.php?ref=22963

Read more »

prelaunchX Invitation

prelaunchX Invitation: You're invited to join prelaunchX

Read more »

Mercedes-Benz rising sales

The German car manufacturer has posted a record start to 2012 as Mercedes Car turns out to be a popular option among motorists who return to the reliability and luxury that Mercedes-Benz cars offer them for all types of car journeys.

The UK arm of Mercedes-Benz recently announced that their like-for-like sales in January 2012 increased by 20%. Mercedes Benz car hire is another popular way for motorists to delve into the world of Mercedes-Benz without having to make a purchase.

There is something to suit everybody with super car hire from Mercedes-Benz:

Fast and furious :
The Mercedes SLS AMG Coupe has captivated the imagination of many motorists across the world, getting accolades from celebrity fans such as Jeremy Clarkson and Jay Leno. When a motorist decides to hire a car in England, the first choice should always be the SLS AMG Coupe because it is a sleek and focused example of high specification luxury that only Mercedes-Benz and AMG can build. The top speed of the SLS AMG Coupe sits at a regal 197 mph while the acceleration time of 0 – 60 mph is achieved in just 3.8 seconds. For drivers who want to be at the cutting edge of luxury driving, Mercedes-Benz is the perfect choice.

Utility :
The German car manufacturer also knows that there is a significant cross section of drivers who might want to choose a utility car every now and then for car hire. The Mercedes-Benz Viano is a popular choice for motorists who need a car that is up to scratch for utility. This is seen through performance features such as the top speed of 108 mph. Mercedes-Benz thought about convenience for heavy duty motorists who need support such as working parents, as the Viano’s fuel type is petrol which is convenient and budget friendly for car hire.

Comfort :
Impressing clients for work or needing a car that suits comfort needs is not difficult during car hire with Mercedes-Benz motors such as the C63 Saloon from the German car brand. There is comfort for the driver with the adjustable steering column that can be tilted and turned any way to ensure safe and easy driving, as well as the passengers with electric and heated seats for any time of year. A sun roof and privacy glass are two more features of the C63 Saloon that highlight Mercedes-Benz dedication to comfort for motorists who want to feel at home during car hire.

Car hire from Mercedes-Benz is another step in the right direction for motorists who want to join the exclusive club of people who drive the best cars from Mercedes-Benz.

Look forward to brighter days with a new Mercedes Benz car hire, Lamborghini Aventador, hire a car in England, rent car UK and also other stylish Super Car Hire in UK.

Read more »

Finding the Right Cheap Cars

Everyone wants to buy cheap cars. But not everyone can get cheap cars, at least not good quality ones. This is because buying cheap cars is not as easy as picking grocery from the market, and involves a lot of research and attention. But at the same time its not impossible to find right cheap cars, and if you want to get one for you then I'd suggest you to go for used cars. Buying used cars is the easiest and the most reliable way of finding cheap cars for sale of different make and model. The used car market features all sorts of models be it SUVs for Sale or Sedans for sale, you can find them all easily. But finding cheap cars needs a lot of attention from the buyers and hence here I am listing some of the things that you need to get good cheap SUVs for sale or any other model of your choice.

The first thing to keep in mind when looking for cheap cars for sale is the reliability. If should be known that you are not getting a brand new car from a showroom that you can be assured of each and every aspect of the car, and hence when buying used cars make sure that you've checked each and every aspect of the car in detailed manner. Starting from the tires to the safety equipments to the engine, every single part of the car that you are getting for should be checked thoroughly. This becomes even important when you are getting SUVs for sale, and that is because in general SUVs undergoes a lot of rough handling.

The second thing to keep in mind is the price. When our aim is to find cheap cars for sale, then paying heavily for a used car model doesn't makes any sense and you must keep this in mind. There are a lot of ways in which you can get good quality used cars as affordable price and one of the most productive war is the internet. There are tons of online car dealers that offers great quality used cars at reasonable prices, and also have an extensive range of vehicles listed with them. So whether you want nice potent SUVs for sale or want nice and incredible sports car at reasonable prices, you could get them all here.

The third thing to pay attention to is the safety. Used cars in general have a history associated with them, and hence its very important that you know the history behind the SUVs for sale that you are considering as your next car or any other cheap cars for sale you are looking at. This is because while saving some bucks you don't want to make compromises on your safety, and hence you must get the car checked in proper manner to make sure that everything about the car is fine and there's no threat to the safety of the occupants.

So these are some of the significant points that you need to keep in mind when finding nice cheap cars for sale. Taking all these points into consideration will give great results to you and will help you find nice and potent used car for yourself.

Read more »

Stop Marketing Backwards

Its been my experience that having a small or no Marketing budget forces you to become creative, sometimes you learn this on your own quickly and other times you have to suffer through wasting your whole Marketing budget with little or no results. Below are a few suggestions that may save you some time and money:

When you hear complaints from people who’ve tried going into business online and failed, chances are that it’s not that their efforts were wrong, they just weren’t practicing effective e commerce marketing techniques. This is where many of the internet marketing center and programs you can purchase fail the average business person. They give an introduction to different ways you can promote your business online, but they only go that far and stop. They don’t give in depth information about how to tweak these techniques to make them work for you, and what to do if they don’t seem to be working.

There’s only one true secret to effective internet marketing: Reevaluate often and change tactics when necessary. Most sources of information you’ll find on internet marketing urge you to try many different models of promotion. Traditional ads, pay-per-click marketing, search engine optimization, joint ventures and a variety of other very good suggestions for ways to get your product or service out in front of those who would need or want it. So you’re introduced to all these various ways of marketing.

Then many people think that’s all the information they need, so they jump in with both feet, blow their budget on pay-per-click advertising or some other expensive promotion. The reasoning is that the profits made from this promotion will replace the funds spent and even increase them for the next advertising campaign.

Unfortunately, it rarely works just this way. Very often a person will put these e commerce marketing techniques into effect all at once hoping for a large return, but instead very little happens and now there’s little budget left to try again. While there’s nothing wrong with advertising campaigns that cost, like pay-per-click marketing, this type of promotion isn’t right for every business, despite what the expert might say. And it’s hardly effective internet marketing to start out with pay-per-click spending.

Where most fail is that they don’t carefully monitor the response of every type of e commerce marketing techniques they have in place. Effective internet marketing isn’t done once and forgotten, left to work behind the scenes to generate huge profit. It’s an evolving process, one that takes regular adjustment and change to be truly successful. And you really can begin this process without spending very much money, and sometimes without spending anything at all.

Aim for the lower cost forms of marketing first. Article marketing, for instance, and filling a blog with fresh keyword optimized content to attract good search engine ranking effective internet marketing and a great start. Yes, you’ll want to optimize your web content, even if you have pay someone to do it correctly.

But hold off on the expensive pay-per-click campaign until you see which keywords and which articles and blog post are referring you the most customers. Then put your money where your customers are, in essence, but creating a pay-per-click campaign based on results you’ve already seen with other methods.

Effective e commerce marketing techniques requires you to reevaluate all of this often, because your best keywords can change even from day to day.

http://nichesolutionsblog.info

Read more »

Is Europe setting up clash between Muslims and the West?

Editor's note: Mohammed Ayoob is University Distinguished Professor of International Relations at Michigan State University and adjunct scholar at the Institute for Social Policy and Understanding
(CNN) -- Europe and the Muslim world seem to be on a collision course that could have major political, economic and ideological ramifications. January 23, 2012, may well come to be remembered as the crucial date when Samuel Huntington's "clash of civilizations" thesis, which many of us believed discredited beyond repair, was reaffirmed.
Political scientist Huntington wrote in 1993 that cultural divisions preclude a defining global civilization, and the West and the Muslim world would never share the same values.
Last month, Europe took two different actions that nonetheless sent the same message to the Muslim world: You are not our equals and are doomed to be judged by standards different from those by which we judge ourselves. Future historians might call January 23 the day when Europe irreversibly alienated not one, but both, pivotal powers -- Iran and Turkey -- that in all probability will dominate the political landscape of the Middle East for several decades.
One action was the European Union's decision to ban oil purchases from Iran, including imports of crude oil, petroleum products and petrochemical products, to force Tehran to negotiate away its uranium enrichment program, which Tehran insists is for civilian use only. This is the latest in a series of increasingly stringent sanctions that Western powers have unilaterally imposed on Iran. These sanctions go well beyond those required by the U.N. Security Council.

Mohammed Ayoob
The EU sanctions attempt to hit the Iranian economy where it hurts most: Europe imports about a fifth of Iranian oil. When combined with a ban on transactions with Iran's Central Bank, this action is aimed at paralyzing the Iranian economy.
At the same time, the French Senate passed a law making it a crime to deny genocides that are officially recognized by France. The two genocides in this category are the Holocaust and the killing of 1.5 million Armenians in Anatolia during the last years of the Ottoman Empire. Because the denial of the Holocaust is already a crime under French law, the obvious objective of the bill is to criminalize the denial of the 1915 Armenian genocide.
Sanctions hurting Iran economy France passes Armenian genocide bill
The issue of Armenian genocide touches a very raw nerve in Turkey, which denies the scale of the killings -- Turkey maintains that roughly 500,000 Armenians were killed -- as well as the claim that it was planned. According to Turkey, the killings happened in the midst of the disarray accompanying World War I and the disintegration of the Ottoman Empire. Turkey says a nearly equivalent number of Turks and Kurds were also killed in inter-ethnic strife with the Armenians, who were allied with the Ottoman's Russian adversaries.
It's not the accuracy of the opposing claims that is at issue; it's Muslim perceptions. Iran may well be trying to develop nuclear weapons, and what amounts to an Armenian genocide may well have taken place. What roils Muslim opinion worldwide is the perception that the West uses blatant double standards to pass judgment.
Harsh sanctions on Iran are seen as an attempt to prevent a Muslim country from developing deterrents to attacks from Israel and the United States, both nuclear powers hostile to the Islamic Republic. Most Western discussions of the Iranian bomb do not make even passing reference to the well-documented Israeli nuclear capability, even as Israel threatens to militarily strike Iran's nuclear facilities. This omission is seen as hypocritical, dishonest and self-serving.
For many in the Muslim world, double standards explain why France singled out Turkey, and didn't criminalize the denial of other nations' crimes against humanity. Although denying Germany's crimes is a crime, the Holocaust is universally accepted as genocide, while Turkey's is not.
Many ask why disputing European massacres of non-European people is not criminalized -- such as the French actions in Algeria, as Turkish Prime Minister Erdogan has said. These would include the near-total extermination of native populations by European settlers in Australia, New Zealand, and North America.
They would include the killings of millions of people by the Belgian administration of the Congo Free State, whose population was halved during the early decades of Belgian rule. Most pertinent of all, Muslims ask, why not criminalize the denial of the genocidal Spanish Inquisition that led to the extermination, expulsion or conversion of the entire Muslim and Jewish populations of the Iberian peninsula?
Many Muslims perceive these moves as the West targeting Iran and Turkey in an attempt to prevent important Muslim countries from achieving the military capacity -- Iran -- and the political stature -- Turkey -- they deserve. Many see behind these moves the not-so-hidden hand of an ideology based on Huntington's theory of the clash of civilizations. Although these perceptions may not fully conform with reality, it is well established that perceptions count much more than reality in the conduct of international relations.

Read more »

British Prime Shopping Yourself

London - Prime Minister (PM) Britain, David Cameron decided to go shopping needs dinner, all alone into a supermarket. PM Cameron blend in and look like a regular buyer, before the public finally recognized the face.

PM Cameron making a surprise visit to a branch of Morrisons supermarket, when he was on his way home to his residence located in Oxfordshire. The visit was done after a day of meetings with the Navy (Navy) English in Plymouth, Devon, on Friday (3/2) yesterday.

Similarly, as reported by the Daily Mail, Saturday (02/04/2012).

Still wearing a black suit with a wrapped coat, PM Cameron looked spent 15 minutes in the supermarket on the outskirts of the city. He walked the halls of the supermarket, from the vegetables to the meat and fish section.

Some visitors were surprised at the supermarket Cameron noticed that this shopping center. In the shopping cart, look Cameron chose a type of sea bass or barramundi fish, potatoes, lemon and some other fruits, as the dinner menu.

One visitor who saw the presence of Cameron supermarket at the time, admitted surprise. According to him, Cameron had to wait in line for 5 minutes before finally paying groceries at the checkout.

"He joined the queue and pay for groceries themselves. Some people seem to react ordinary. Almost everyone watching him, but no one around him. He was seen chatting with several people nearby when he was lining up - he's spent the past 5 minutes before eventually served (cash register), "he said.

Some people are finally aware of Cameron while waiting in line at the checkout, just looked confused. But not so with a buyer who was standing right in front of Cameron. He was busy playing his cell phone, without realizing there are VIP buyers behind.

In response, General Manager of the supermarket, Mike Cliff said he was surprised and honored by a visit Cameron. "We were surprised and pleased to see the Prime Minister appeared on the need to shop at Morrisons this weekend," he said.

Read more »

Chairman of the DPC: Marzuki Must Withdraw from Democratic

A total of 12 Democratic Leadership Council Branch Southeast Sulawesi as Chairman of the Board of Trustees asked the Democratic Party (PD), Susilo Bambang Yudhoyono to remove Marzuki Ali well as Speaker of the House as well as an Advisory Board Member of PD because it often makes statements that damage the image party.
The request was made Chairman of the Branch Executive Council (DPC) District Democrats of North Buton, Southeast Sulawesi Province (Southeast Sulawesi), Abdul Salam Saadia and DPC Chairman of the Democratic Party of North Kolaka, Surahman Saturday.
"We submit this statement, with the approval of 12 DPC Democrat Southeast Sulawesi," said both.
According to Salam and Surahman, chaotic place in the body that the Democratic party, especially with regard to the turn of the DPP Ketuam PD, Anas Urbaningrum lately, is inseparable from the political role played by Marzuki Ali.
When Marzuki Ali is outside the country four days ago said Salam, he could send a short message to the chairman of the Board of Trustees of the requesting Party to prepare a substitute Anas.
Even on January 23, 2012, said Salam, Marzuki as a member of the Advisory Board of the Party, held a meeting in one place in Jakarta, preparing cadres of the Democratic Party four names to replace chairman Anas Urbaningrum as Democrats.
"These steps are carried out by politics lately Marzuki Ali, is not tolerated anymore, because it was very disturbing and damaging the image of the party cadres," he said.
Because of this, he added, the entire Board of the Democratic Party in South East Sulawesi DPC request to remove the Chairman of the Board of Trustees is concerned, both from the post of Chairman of the House of Representatives and as a member of the Advisory Board of the Party.
According to Salam, a member of the Advisory Board of the Party, Marzuki Ali should serve to reduce the issues of corruption that hit a number of party cadres, not even part of it oppressed the party cadres who are not necessarily guilty according to law.
"We strongly support the legal process that is being hit a number of party cadres, but we are strongly opposed if there are party cadres who want to overthrow the position of Chairman, Anas Urbaningrum which is the result of Bandung Congress," he said.
Therefore, the desire to overthrow the Chairman position without going through Congress he said, quite contrary to the Articles of Association (AD) and Domestic Fencing (ART) Party.
Meanwhile, one of the Democratic Party functionaries DPP is also member of Parliament from South East Sulawesi, Andi Rahmat, said the entire Board can understand the desire DPC Democratic district level in South East Sulawesi requesting removal of Speaker of the House, Marzuki Ali is.
"My fellow Democrats DPC officials in Southeast Sulawesi, do not want the image ruined the Democratic Party, caused by a number of cadres of the party itself. Thus the whole range of cadres should be the Democratic Party, responded to that desire with self introspection, solid and compact for the greatness of the party," he said .
He hoped that the party cadres, especially in the DPP do nothing more to make political statements that are detrimental to the organization's image and angered his own party cadres at the local level.
"I wish, Chairman of the Board of Trustees may issue teguras strongly against any party cadres that often enrages the other cadres in the political statement," he said.

Read more »

Celebrating 64 Years of Independence, Sri Lanka 1414 Free the Prisoners

Colombo - Today, Sri Lanka's independence day is to commemorate the 64th year. Sri Lankan president, Mahinda Rajapakse also grant amnesty to 1414 narapinda in the country.

However, President Rajapakse decided to grant amnesty only to the inmates who received light sentences. Similarly, as delivered by Justice officials and reported by the local office of the AFP on Saturday (04/02/2012).

Rumors had circulated among the local media, that President Rajapakse will use this moment of independence day to forgive his political opponents, Sarath Fonseka. However, the name of a former Commander Fonseka Sri Lankan army, was not recorded in the list of inmates who were given amnesty.

Fonseka who lost the presidential election battle in January 2010, was arrested on charges of slandering the brother of President Rajapakse ordered the killing of Sri Lanka to the rebels. Fonseka was arrested just two weeks after his defeat in the presidential elections and later sentenced to three years in prison.

Known, Sri Lanka is located in the South Asia region is a sovereign of England on February 4, 1948 ago.

Read more »

Wait for deactivation Angelina Sondakh Defendant Status

Jakarta - Members of the House of Representatives of the FPD Angelina Sondakh Commission determined to be a suspect in a bribery Pensions Athletes. Honorary bodies (LB) DPR will recommend Angie deactivation of the House after its status was upgraded to the defendant.

"It's a process of Commission investigations carried out by grasping the Wayan Koster and Angelina Sondakh establish a suspect. For BK, if it later becomes the accused concerned the BK will suspend from the members of the House," said Vice Chairman of the House BK, Siswono Yudhohusodo, told AFP , Saturday (04/02/2012).

BK DPR will continue to monitor the proceedings of this House members in KPK. Angie will be dismissed permanently from membership of the House after adjudged guilty of corruption by the Anti-Corruption Court.

"If a court claim Angelina Sondakh Corruption guilty of corruption so dismissed it. If not proven guilty is concerned rehabilitated," explains Siswono.

Angie named as a suspect by KPK on Friday, February 3, 2012. He was banned overseas for 1 year.

Read more »

How rich are these guys? Election 2012

With no regular day job, Romney still earns a tidy income in the form of dividends and interest from his investments, and records filed with the Federal Election Commission show that the former Massachusetts governor commands between $20,000 and $68,000 on the speaking circuit.

Much of Romney's wealth is tied up in a blind trust, but some assets remain under his control -- including a few quirky items. For example, the FEC lists between $250,000 and $500,000 in horses, an asset the campaign says belongs to the candidate's wife. He owns another $250,000 to $500,000 in gold.

Romney has degrees from both Harvard Law and Harvard Business School, and had successful careers at the consulting shop Bain & Company and private equity firm Bain Capital before joining the Salt Lake City Olympics effort in 1999.

Read more »

Apple, more designer brands

NEW YORK (CNNMoney) -- Hoping to offset a disappointing holiday season, Target is relying on some tried and true designer partnerships to bring more of its core customers through the doors and testing the waters with cult favorite Apple, in an effort to attract new ones.
First up will be Jason Wu for Target, a limited collection of dresses, handbags and scarves by the young designer made famous by Michelle Obama -- he designed the gown she wore to the inauguration -- that will roll out Feb. 5. Then in May, the retailer will launch "The Shops at Target," a series of design partnerships with small boutique businesses, that will offer several more limited-edition collections.
But perhaps the most anticipated alliance is the trial sale of Apple's (AAPL, Fortune 500) iPhones, iPads and other products in Target stores. The rollout will initially occur in 25 stores, according to spokeswoman Dustee Jenkins, who refrained from providing additional details like when the products would be available.
Target (TGT, Fortune 500) has always been a "women-friendly store," said Britt Beemer, retail analyst and chairman of America's Research Group. That has helped boost sales of clothing and beauty products, but has significantly hindered sales of big-ticket items like electronics.
By adding Apple products to its offerings, the analyst believes it could help the retailer attract more male customers and give it a much-needed shot in the arm in the electronics category.
"Designer clothes won't fix [Target's] problems," Beemer said, but "[teaming up with Apple] is a smart strategy from the viewpoint of getting a new customer in the store."
The move couldn't come at a better time. Low margins coupled with slowing same-store sales have hurt the retailer, particularly over the key holiday shopping season.
"Target has had to discount more this year than they have in the past to get people back in the store," Beemer explained. "A top they might have sold a year ago for $10, this year they will sell for $8."
After the retail giant's holiday sales fell well short of analyst's expectations, the company lowered its earnings guidance for the fourth quarter, citing soft sales of electronics, music, movies and books.
Missoni for Target fetches big bucks on eBay, Craigslist
Target has been successful with its popular collaborations in the past, so much so that other big-box stores like Kohl's (KSS, Fortune 500) and JC Penney (JCP, Fortune 500) adapted their model. But Target's last designer collection, with Italian fashion house Missoni, was a publicity coup that became a logistical nightmare.
Spiking demand for the limited-edition clothing and house wares collection crashed the company's web site. Online orders were delayed and some orders were later cancelled, leaving many shoppers unsatisfied.
"That was an unprecedented event" said Stacia Andersen, Target's senior vice president of merchandising. To ensure the company is equipped to handle the spikes in demand that generally follow the launch of a limited-edition collection going forward, "our teams have been working around the clock," she said.

Read more »

ECB sees signs of thaw in credit freeze

NEW YORK (CNNMoney) -- The European Central Bank's latest effort to prevent a credit crunch in the European banking system appears to be showing signs of success, and some analysts say it could also be providing some relief for tensions in the government bond market.
ECB President Mario Draghi said Thursday that the first round of the central bank's Long Term Refinancing Operation, which pumped some €500 billion worth of 3-year loans into the banking system last month, has eased conditions for banks struggling to secure funding in the private market.
"We do think that at least this decision has prevented a credit contraction that would have been more serious, much, much more serious," Draghi said at a press conference in Frankfurt following the ECB's latest policy meeting.
In particular, Draghi said some markets for unsecured bank bonds have reopened since the lending program launched. That's encouraging, he added, because banks have more than €200 billion worth of bonds coming due this year.
Draghi also said there are indications that some of the loans are making their way into the real economy, despite a recent surge in overnight deposits at the ECB.
"We really see evident signs that this money doesn't simply stay in the deposit facility," said Draghi. "This money circulates in the economy."
Indeed, banks' overnight deposits at the ECB fell slightly Thursday to €470.6 billion from a record €485.8 billion Wednesday. But the amount of money parked at the ECB remains high, suggesting banks are still hunkering down.
The dip in overnight deposits at the ECB coincided with strong demand for Spanish and Italian debt at two auctions Thursday, raising speculation that some banks were using ECB funds to buy bonds issued by stressed euro area governments.
Draghi acknowledged that demand for shorter-term government bonds has been trending higher recently, but he downplayed any possible connection with the ECB's latest liquidity measures.

Read more »

Apple factory inspections turn up scores of labor violations

Apple's (AAPL) sixth annual "supplier responsibility" report is sure to be closely read by both critics and competitors.
For one thing an addendum to the report lists for the first time the names of Apple's major subcontractors -- 156 companies, many in the Far East, representing 97% of the company's supply chain. The list is available here for anyone to read.
For another, the report enumerates the violations discovered -- and Apple's responses -- in the company's 2011 audit of those suppliers. Although most electronics manufacturers rely on the same labor force to make their products, Apple tends to get singled for criticism when abuses come to light.
The report issued this week is surprisingly frank about the nature of those abuses. In its audit, Apple discovered (I quote):
18 facilities screened job candidates or current workers for hepatitis B, and 52 facilities lacked policies and procedures that prohibit discrimination based on results of medical tests.
24 facilities conducted pregnancy tests, and 56 facilities did not have policies and procedures that prohibit discriminatory practices based on pregnancy.
93 facilities had records that indicated more than 50 percent of their workers exceeded weekly working hour limits of 60 in at least 1 week out of the 12 sample period.
At 90 facilities, more than half of the records we reviewed indicated that workers had worked more than 6 consecutive days at least once per month, and 37 facilities lacked an adequate working day control system to ensure that workers took at least 1 day off in every 7 days.
42 facilities had payment practice violations, including delayed payment for employees' wages and no pay slips provided to employees.
68 facilities did not provide employees adequate benefits as required by laws and regulations, such as social insurance and free physical examinations. 49 facilities did not provide employees with paid leaves or vacations.
67 facilities used deductions from wages as a disciplinary measure.
108 facilities did not pay proper overtime wages as required by laws and regulations. For example, they did not provide sufficient overtime pay for holidays.
Apple separately listed what it called "core violations" of labor and human rights:
In 15 facilities it discovered foreign contract workers who had paid excessive recruitment fees to labor agencies.
In 5 facilities it discovered a total of 6 active and 13 historical cases of underage labor. In each case, the facility had insufficient controls to verify age or detect false documentation. Apple insists, however, that it found "no instances of intentional hiring of underage labor."
Although most of Apple's suppliers were discovered to be in violation of one rule or another -- nearly 70%, for example, failed to pay proper overtime -- Apple severed relations with only one of them: an unnamed "repeat offender." There was a second repeat offender, but Apple claims to be "correcting" its practices.

Read more »

including types of insurance policies and deciding on how much coverage you need.

1. All policies fall into one of two camps.

There are term policies, or pure insurance coverage. And there are the many variants of whole life, which combine an investment product with pure term insurance and build cash value.

2. Insurance is sold, not bought.

Agents sell the vast majority of life policies written in the U.S. because the life insurance industry has a vested interest in pushing high-commission (and high-profit) whole-life policies.

3. Whole life is expensive.

Policies with an investment component cost many times more than term policies. As a result, many people who buy whole life often can't afford an adequate face value, leaving themselves underinsured.

4. Whole-life policies are built on assumptions.

The returns quoted by the agent are simply guesses - not reality. And some companies keep these guesses of future returns on the high side to attract more buyers.

5. Keep your investing and insurance strictly separate.

There are better places to invest - and without the high commissions of whole-life policies.

6. Buy enough term coverage to fill your needs.

Life insurance is no place to skimp, especially with rates at historic lows.

7. Match the term of the policy to your needs.

You want the policy to last as long as it takes for your dependents to leave the nest - or for your retirement income to kick in.

8. Buy when you're healthy.

Older people and those not in the best of health pay steeply higher rates for life insurance - so buy as early as you can, but don't buy until you have dependents.

9. Tell the truth.

There's no sense in shading the facts on your application to get a lower rate. Be assured that if a large claim is made, the insurance company will investigate before paying.

10. Use the Web to shop.

Buying life insurance has never been easier, thanks to the Internet. You can get tons of quotes - and avoid the pushy salespeople.

Read more »

Insurance companies brace for global crisis

INSURANCE companies are strengthening their capabilities and adopting a prudent investment strategy to cushion the impact of the global financial turmoil.

Although the financial crisis has not hit the local insurance industry, insurers are not taking any chances in the event the crisis prolongs and begins to dent bottomline.

Allianz Malaysia Bhd (AMB), among others, is tapping on the group’s worldwide best practices to face the financial tsunami rocking credit markets.

Chief executive officer (CEO) Alexander Ankel said: “As part of an international group, AMB has access to numerous best global practices. These include underwriting, claims, investment, information technology and all other relevant operational processes, hence our risk management environment is very strong.

“This puts us in a position to master downward cycles and trends and to ensure we will continue to meet and exceed the expectations of agents, customers, distribution partners and business partners.”

According to Ankel, AMB also hopes to streamline both its general and life businesses within the next 20 months to further beef up its capabilities and competency.

This, he said, would create a more customer-centric organisation and help to convey the group’s best practice to the local market.

AMB, via subsidiary Allianz General Insurance Co (M) Bhd (AGIC), is now the country’s second largest general insurer with a market share of close to 10% after its consolidation with Commerce Assurance Bhd (CAB) last year.

Despite the challenging market environment, AGIC’s gross written premiums grew 33.2% to RM748.6mil in 2007 from RM561.9mil in 2006. Its life insurance operations, through subsidiary Allianz Life Insurance Malaysia Bhd, charted a 20.6% growth in written premiums to RM594.6mil last year.

AMB reported a group net loss of RM2.61mil last year mainly due to exceptional expenses and costs relating to the acquisition of CAB as compared with a net profit of about RM35mil in 2006.

The group currently has more than 9,000 agents (general and life), over 30 general insurance and 18 life insurance branches.

Manulife Insurance (M) Bhd president and CEO Peter Robertson said the key to cushion the impact of the credit crunch in the financial services sector was to have a good risk management system and practices.

“Our risk management practices cover three key areas: product design, investment management and asset liability management. For product design, we rigorously assess the pricing basis and the cost of any guarantees before launching products.

“Investment management pertains to the way we review credit and asset liability management is the combination of the above two practices,’’ he said.

Manulife’s new business premiums last year stood at RM71.3mil against RM50.2mil in 2006. Its net profit for the second quarter stood at RM30.5mil.

Last year, the company posted a net profit of RM85mil compared with RM50.7mil previously. Its total agency count as at September this year stood at 1,438.

Ankel said AMB has adopted a prudent investment strategy backed by well defined investment mandates, guidelines and limits in view of the current financial crisis.

The credit crunch had minimal impact on the company as its exposure in the local stock market had been reduced substantially and its foreign investment was only limited to its unit linked funds, Ankel noted.

Manulife, Robertson said, maintained very strict credit criteria for evaluating investments be it fixed income or equities. “In times like these the benefits of such conservatism comes to the fore.”

Hong Leong Assurance Bhd (HLA) group managing director and CEO Charlie E. Oropeza said the company’s investments were mainly in the local markets and did not have exposure to collateralised debt obligations and other exotic instruments.

Oropeza added HLA’s investments were well diversified and exposure to the equity market had been kept to a minimum and in sound dividend-yielding stocks.
Source from: The Star, 20 October 2008, By DALJIT DHESI

Read more »

Guide to Motorcycle Insurance

But wait!! There are some answers you’ll want to have ready once you’re talking insurance plans and rates with an agent. Here, a little preparation goes a long way in making the best impression (which results in an ideal rate) on an insurance agent. Know what they’ll ask before you pick up the phone.

1. Your Personal Liabilities
Just like with Auto insurance, your age and your driving record are key factors. Auto accidents do count when buying motorcycle insurance. If you’re older but a first-time rider, you will likely have a higher rate. However, you might be able to offset that by investing in special DMV or motorcycle classes – just be sure to hang on to your certification for proof.

2. They know where you live
Working or living in a high crime/ high accident area can affect your rate. Have a plan for how you’ll store the bike. A garage, an alarm, or any other form of security for your parked bike is necessary no matter where you live. A bike that spends most of it’s time in an open, unsecured area is clearly a risk for any insurance company to take on.

3. The Bike
Just like in auto insurance, that glitzy, brand-spankin’ new model is going to cost more to insure that an older stock bike.

4. How much you ride
If you live in the part of the country that has a definite riding ‘season’, make this apparent to your agent. By only using your bike for half the year, your mileage stays low and your rate usually will follow suit.

5. Lastly, avoid over-insuring, since you’ll never get more than the market value of your bike in the event of an accident.
Bear in mind that the rate is not based solely on your bike, but also your lifestyle, your riding habits, and your history. Once that is out of the way, you need to pick an insurance plan.

3rd Party Liability: Insurance that covers other people and their property in the event of an accident that is your fault. Instead of you personally paying for the damage to the other party’s property, your insurance pays the bill. It doesn’t cover damage to you or your property. Most states require you to have at least liability insurance on your bike.

Full Coverage Insurance: (also called “comprehensive”) is available in different amounts, and will cover you and your property in an accident, whether the event was your fault, someone else’s, or “no-fault”. Full coverage also extends to any passengers on your bike present in the accident.

Read more »

About ayu ting-ting on the rise

ready does not know with him ?...... pursue dangdut music as a teenager, 19-year-old virginwas grateful for the music that he says to the lower classes, he had some success. "It's good so dangdut singer for singing a little, get paid. For me, singing dangdut baseball problem, as long as I was doing was lawful," he asserted.

ayu ting ting 'alamat palsu ' vudio

Read more »

How The Way Money Works for Us?

This is one of the questions that require a lot of analysis.
Robert T. Kiyosaki is a businessman who "god forbid"
rich and the author of many bestselling books in the world is wrong
only titled "Rich Dad Poor Dad" (I'm sure you've
heard or read, if not, immediately buy and read
book, a wonderful book).

Robert T. Kiyosaki says:

1. "A job is only a short term solution, but problems
Financial is a lifelong problem. "

Important that we begin to pioneer their own business, if we
want to be rich because ...

2. "The employees work hard enough so as not to be fired and
business owners pay just enough so that employees
not out. "

Although I have to write it tasted bitter because it is
in fact. And what can we be rich ...

3. "The rich do not work for money, but money works
for them. "

VERY IMPORTANT ONCE we began to pioneer their own business, and
"build the system in it" so that our efforts can be FIXED
running WITHOUT the presence of us physically. In order for the money
can still get into our pockets.

The question is ... why VERY IMPORTANT ONCE?

Try to stop reading, continue to think for a moment the question
I mentioned above.

Read more »