ComScore: Smartphone Penetration In Europe?s Big-5 Markets Now At 55%, Samsung Is The One To Beat

apple-samsungEurope's mobile market has reached a tipping point: the top-five markets in the region collectively now have a majority of consumers using smartphones, according to the latest numbers from comScore.?France, Germany, Italy, Spain and the UK are now collectively reporting a 55% smartphone penetration, according to comScore's MobiLens research -- an online survey of "nationally representative" sample of mobile subscribers aged 13 and up.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/Z9w4_1liPSU/

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Modest Andre Johnson Jersey Enterprise Loans: Qualification and ...

Posted by HugleOlaya on December 16, 2012 in Articles with No Comments


If you?re beginning a new enterprise, a modest company loan might help you get began by offering working capital to create a retailer, acquire inventory, or promote your business. But how does a modest company loan advantage you in genuine terms, and do you even qualify to get a loan

What?s a Tiny Enterprise Loan

By definition, a modest company loan is really a particular quantity of funds that is borrowed by an individual who desires to start or operate his or her personal company. It?s generally a type of personal loan given by lenders to small organization owners.

You?ll find many kinds of tiny Andre Johnson Jersey organization loans. Unsecured business loans are issued by a lender based on your credit alone with no any sort of collateral. Typically, you?ll need a high credit score along with a quite very good credit history at the same time as have a stable personal finance scenario.

There is certainly also business financing that could be according to collateral such as actual estate collateral, a car or property which is free and clear of debt, and so forth. Then, there is certainly a commercial true estate finance loan for which cash is granted for any commercial property that is certainly to be utilized for enterprise. There is also an enterprise line of credit, that is a fixed, predetermined amount of credit that an organization can borrow against as demands arise. The borrower will only be required to spend interest on the amount employed.

Benefits of Modest Enterprise Loans

Acquiring a small enterprise loan for the new organization can bring relief in several ways. It could provide you with working capital to help create your business, promote it, and keep inventory. It might also help together with the expenses of hiring workers if required at the start off. A small organization loan allows you to grow your new company without having the financial stresses of a new enterprise. Also, the interest on a tiny business loan is tax deductible.

Little Organization Loan Qualifications

After you comprehend how enterprise financing operates, you have to take into account whether or not or not you may qualify. It?s excellent to know this prior to you apply so that your credit background won?t show several credit checks and inquiries from lenders, which can lower your credit score for the future.

Initial, be certain your private credit background is in order. Learn your credit score by requesting a copy of your credit report. There are numerous on the internet resources obtainable to examine your personal credit history. Also, make certain your private bill and loan payment histories have already been Andre Johnson Jersey constant and on time over the previous two years or a lot more. Little company lenders are most likely to base your approval in your personal credit history, particularly in case you don?t provide collateral.

Subsequent, ask the lender directly about their company loan qualifications. This can get rid of any queries inside your thoughts ahead of applying.

Locating a Lender

Do some study to locate a tiny company lender that is appropriate for you personally. Verify around on-line for rates of interest, modest business loan plans and qualifications, and for flexibility. Some lenders will supply creative tiny business loan alternatives to operate together with your specific scenario. Some lenders make it straightforward to acquire approved even though other individuals make it almost impossible. Look J J Watt Jersey to get a lender which is easy to work with from the start. Ask about early pay-offs, lines of credit, versatile financing, guaranteed rates of interest, and any fees you may incur by employing their services.

Maintain these suggestions in mind as you search for modest organization finance options. You are going to be on the road to results in no time!

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This type of GSM mobile cell phone jammer are selling for RMB 960 ...

December 17, 2012 doadmin cell phone jammer

On February 3, news, according to South Korean media reported the mobile phone business within the territory of Egypt aspen kang telecom (Orascom) 2 days, says the North Korean mobile phone users already more than 1 million.Organizer of the conference, the global mobile communication association President Anne cloth eph ROM said, with a cell phone in a few years ago also can?t imagine way to change the world, the mobile phone has not only is a kind of communication tools, and is books, health monitor, pays the equipment, social tools and travel navigators.
The mobile communication meeting will focus on the mobile cell phone jammer of new products, show network technology, operating system, and other aspects of the latest results, this paper discusses the development trend of mobile communication industry and technology solutions. Cloud computing, mobile payment, communication safety and next generation communication technology is the hot issues of this conference.
China?s zte executive vice President HeShiYou says to the reporter, as technology development, the concept of mobile phone are constantly stretch from work need to keep to the life and entertainment field expansion.
The global mobile cell phone jammer communication association conference on that day in a study published report shows that, by 2020, including cell phones Phone Jammer, tablet PCS, mobile information technology products worldwide total more than 24 billion. When the global mobile communications enterprise will increase the income source, promote the emerging commercial mode, improving efficiency and improving the existing service way to create value to be as high as 4.5 trillion dollar industry.?The smart cell phone jammer? the more the silly more popular
?Smart cell phone jammer? function more and more comprehensive, ?pure no brain? the extremely brief phone edition became ?the intelligence? users heart good. In many creative goods shop, function extremely brief, standby long sells mobile phone, many young people think, use the cell phone is can reveal personality.
In creative goods web site, a price of less than one thousand yuan in mobile phone ?function pure?, recently under the attention of many users. This phone is really ?pure? extraordinarily: can only be used to call, no message function, the Internet more no way. This phone even address book all have no, only in the back cover is equipped with a paper phone book; Mobile phone in ?head? has a LCD screen, can display power and reception case number and so on.
?This type of GSM mobile cell phone jammer are selling for RMB 960, sells well.? The website marketing manager he told reporters that some customers is to ?reveal personality?, also some people buy the home to the old man, ?standby time can achieve three weeks.?
In some taobao shop, a battery of American use no.5 outdoor emergency rescue extremely brief phone became sales star, the monthly sales close to one hundred units. This phone price is in 500 yuan or so, suitable for emergency use, the original didn?t turn on in, it can maintain enough power up to 15 years, single quarter on the AA batteries can support 10 hours on the phone. The mobile phone only supports the digital input, no screen also not the phone book.

phone jammer

Source: http://www.cellphone-jammer-china.com/this-type-of-gsm-mobile-cell-phone-jammer-are-selling-for-rmb-960/

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Why can't Microsoft sell Xbox consoles and games in Japan?

While Microsoft has sold tens of millions of Xbox game consoles in North American and European market, the company has had little success in selling Xbox consoles and games in Japan, home to Sony and Nintendo. Indeed, a report back in 2011 stated that the Xbox 360 console had only sold 1.5 million units in Japan since its launch six years before. Today, a new and extensive article takes a look at the reasons why Microsoft has failed to break into the game console hotbed of Japan.

Eurogamer's feature features a number of people who worked at Microsoft in 2001 for the launch of the original Xbox, including former third party developer head Kevin Bachus and former head of Microsoft Game Studios Ed Fries. They tell stories of Japanese developers who were afraid of upsetting Sony and Nintendo. Fries also indicated there were cultural differences. He said:

We were told we couldn't call it the Xbox because X is the letter of death. We were told we couldn't make it black because black is the color of death. I was like, isn't the PlayStation black? Rules that apply to you as an outsider don't necessarily apply to insider products.

This year, Microsoft decided not to attend the annual Tokyo Game Show for the first time since the original Xbox launched. However, Fries believes that Microsoft should continue to try to break into the Japanese market for the next version of the console. He believes Sony is weaker than it has been in the past and that Nintendo is sticking with low powered hardware for its Wii U. He added: "There's room for it to be the biggest, most powerful machine. With the Japanese game market not as strong, maybe Japanese gamers are more open to western content."

Source: Eurogamer | Image via Eurogamer

Source: http://www.neowin.net/news/why-cant-microsoft-sell-xbox-consoles-and-games-in-japan

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Encouraging Family Fitness & Healthy Habits | Your Health Journal

Hey everyone, I got a lot of emails this week from parents regarding family fitness, and ideas of how to improve the health of a family. This prompted me to share an article I wrote for PBS a few months ago. I hope you enjoy it.

Encouraging Family Fitness & Healthy Habits

By setting the basic foundations of life, parents are the number one source affecting the way children feel about living a healthy lifestyle. Children innately realize that Mom and Dad are their educators, mentors, heroes, supporters, and role models throughout their lives. This is a colossal responsibility for the adult, as children believe that most behaviors by parents are acceptable actions, whether good or bad. The bottom line: children are watching their parents? every move, mirroring their every action; if a parent is sedentary, there is a good chance their children will be too. However, parents who eat healthily and exercise with their children on a regular basis are teaching them many valuable lessons.

Certified health coach and mother of two Pam Howard agrees. ?Parents who exercise with their children are not only teaching them how to live a healthy lifestyle, they are also reinforcing the family bonds and creating wonderful family traditions. It?s fantastic for super-busy parents who wouldn?t get as much exercise as they need without incorporating their kids in the process.?

A daily exercise program is essential for every child?s normal growth and development. The benefits of exercise are endless, and go deeper than just fighting heart disease and other adolescent risk factors for poor health. Author and fitness expert Debbie Mandel states, ?Children who exercise do better academically and learn how to reduce stress. In essence, adults in the household are showing children a healthy way to relieve stress and improve their thinking while they (the adults) practice what they preach. Children are always observing their parents and picking up on their body language, not just their words.?

It is imperative that families make time to exercise together so that it eventually becomes part of their routine. Dr. Marc Tinsley describes his experience with this issue. ?When I speak and consult with people about health and fitness, many people look at their family obligations as an obstacle to exercise instead of an opportunity. One of the main problems is that people associate exercise with a gym or equipment. I tell people to think ?outside the barbell.? Fitness isn?t about sweat, six-packs, and sex appeal; it?s about having enough energy to do your activities of daily living safely and effectively.?

Getting fit as a family does not have to be very time-consuming or complex; it can be fun and creative. Here are seven simple suggestions to help your family get fit together.

1. Commercial-cize. Many children (as well as their parents) watch a few hours of television each night. It is important for families to reduce sedentary time. Whenever a commercial break comes on the TV, exercise as a family. Try running in place, push-ups, or jumping jacks during each commercial to keep everyone up and moving.

Please visit the PBS web site to read the full article?..Click here ? I hope you enjoyed it, and please leave a comment on the PBS site. While on the PBS Parents site, read many of their fantastic articles. It is a great web site for parents.

Source: http://www.lensaunders.com/wp/?p=10600

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EU scores hat-trick with Greek, bank deals, Nobel

BRUSSELS (AP) ? Finally, it has been a good week for Europe.

After months of bitter debate, European Union finance ministers finally reached two crucial agreements Thursday: They found a compromise to create a single supervisor for their banks ? a major step toward lessening the damage struggling lenders can inflict on government finances ? and agreed to give Greece desperately needed bailout funds.

As if that weren't enough, earlier on in the week, European leaders also accepted the Nobel Peace Prize ? an award that was in equal measure recognition of the peace the union had forged on the once war-torn continent and incentive to solve its intractable financial and political crises.

So upbeat was the mood in Brussels that European Council President Herman Van Rompuy even dared to say the end of the three-year-old crisis over too much debt might be at hand.

"The worst is now behind us," he told European leaders gathered for a summit Thursday to discuss how to build a closer union.

But a meeting over dinner Thursday of the leaders of the 27 countries laid out how much work still needs to be done to strengthen Europe against further financial shocks.

"Much remains to be done, but all the hard work is starting to pay off," Van Rompuy told a press conference early Friday, after the first day of the summit.

The targets laid out included: a new European body with the authority to restructure or close down banks in trouble, a continent-wide deposit guarantee system, a fund that would support countries struggling to make economic reforms and a system that made sure countries stick to their commitments to overhaul their economies.

But the commitments agreed early Friday at the summit were vague ? an indication of how many tough fights remain before the EU moves toward closer cooperation. The leaders said they would begin work on the bank resolution authority and deposit schemes next year, with the hope of reaching agreement in 2014.

The measures agreed by the earlier Thursday by the EU finance ministers had been the subject of months of intense haggling.

First, finance ministers from the 27 EU countries negotiated through the night to agree to give the European Central Bank oversight of their banks. That is a key component of what many hope will eventually become a full-fledged banking union ? a single rulebook for all banks and coordinated plans for helping lenders in trouble.

Crucially, the single supervisor paves the way for Europe's bailout fund to give money directly to struggling banks, without dragging governments into the mess.

Then, the 17 EU countries that use the euro waved through a total of ?49.1 billion ($64 billion) in bailout funds for Greece, ?34.3 billion of which will be disbursed in the coming days.

The funds are vital because Greece needs the money to stay afloat and avoid a calamitous default. But the deal is also important for the other 16 countries because disagreement over how to handle Greece had raised fears that a default would bring down the entire currency union.

Dealing with the connection between banks and government debt ? a toxic loop that has forced several countries to ask for bailouts after they tried to rescue their banks ? also addresses a major cause of the region's financial crisis.

"The crisis came by way of the banks and now a tool is in place so that nothing will be like it was before," declared French President Francois Hollande on his way into Thursday's summit.

However, serious challenges remain: The economy across the eurozone is in recession; unemployment is rising; and in recent days, industrial production and retail sales have fallen further than forecast.

And while leaders have reached a couple of significant agreements this week, there are still some tough problems to crack.

In its attempts to strengthen the Europe against future financial crises, the EU has made significant promises about the kinds of powers it's ready to hand over to the central bureaucracy. On Thursday, leaders discussed the possibility of having their countries enter into individual contracts with the EU to ensure they keep their commitments to cut excessive spending and adopt important reforms to make their economies more competitive.

They also talked about creating a budget for the eurozone that could help prop up countries that are struggling under the weight of reforms ? as Spain and Greece are now.

The problem leaders face is that they are concentrating so much power in Brussels that they need to make institutions and leaders who are now largely unknown accountable to voters. Some countries that don't use the euro are also beginning to worry about being marginalized in the EU as the countries that do use the currency build up their institutions.

Nonetheless, Hollande said the work of the past days allowed for "a good conclusion to 2012."

"That is, both to fix the problems of the past and to open a new possibility to a deeper economic and monetary union."

___

Raf Casert, Sylvie Corbet and Robert Wielaard in Brussels, Geir Moulson in Berlin and Elena Becatoros in Athens contributed to this story.

Source: http://news.yahoo.com/eu-scores-hat-trick-greek-bank-deals-nobel-234537231--finance.html

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Seeing Bacteria


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Christina AgapakisChristina Agapakis is a biological designer who blogs about biology, engineering, engineering biology, and biologically inspired engineering. Follow on Twitter @thisischristina.

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--> Christina AgapakisChristina Agapakis is a biologist, designer, and writer with an ecological and evolutionary approach to synthetic biology and biological engineering. Her PhD thesis projects at the Harvard Medical School include design of metabolic pathways in bacteria for hydrogen fuel production, personalized genetic engineering of plants, engineered photosynthetic endosymbiosis, and cheese smell-omics. With Oscillator and Icosahedron Labs she works towards envisioning the future of biological technologies and synthetic biology design. - - thisischristina Contact Christina Agapakis via email.
Follow Christina Agapakis on Twitter as @thisischristina.-->

I got a really fun early Christmas gift yesterday, Moyasimon 1: Tales of Agriculture, a manga series about a boy who can see microbes. His skills lead to some exciting fermentation-related adventures at his agriculture college. I learned a lot about miso, sake, and meats that ferment underground!

The microbes are super cute, and it also has one of the best anthropomorphized earthworms I?ve ever seen:

I of course also loved the chapter on beneficial microbes and gut flora:

And toe fungus!

While there?s a lot of silliness that happens, the characters are very serious about microbes:

There?s even a live action adaptation with adorable CGI microbes that cheer ?Let?s brew!? that you can watch on YouTube!

Christina AgapakisAbout the Author: Christina Agapakis is a biological designer who blogs about biology, engineering, engineering biology, and biologically inspired engineering. Follow on Twitter @thisischristina.

The views expressed are those of the author and are not necessarily those of Scientific American.

Source: http://rss.sciam.com/click.phdo?i=d4b98bf988add14858d16d58aada5f82

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Lilly stops rheumatoid arthritis trial for lack of efficacy

(Reuters) - Eli Lilly and Co said it will stop one of three late-stage trials of its rheumatoid arthritis (RA) drug tabalumab due to insufficient efficacy.

The decision to stop the trial came after an interim futility analysis of the study, called FLEX-M.

The trial was testing the drug in patients with moderate-to-severe RA who had an inadequate response to methotrexate therapy, which is a standard RA treatment.

The decision was not based on safety concerns, and patients currently enrolled in other tabalumab RA studies will continue treatment, Lilly said.

However, the company said it was suspending enrollment of new patients in the RA program until additional analysis from other ongoing RA studies is completed in early 2013.

The study discontinuation is expected to result in an after-tax charge of about 2 cents per share in the fourth quarter.

"The results of this study were unexpected given the data generated in earlier Phase II clinical studies of tabalumab," Lilly's vice president of autoimmune product development, Eiry Roberts, said.

Lilly is working on another RA drug called baricitinib, which is also getting tested for psoriasis and diabetic nephropathy.

Another autoimmune disorder drug in the company's pipeline is ixekizumab ? being tested for psoriasis and psoriatic arthritis.

(Reporting by Esha Dey in Bangalore; Editing by Joyjeet Das)

Source: http://news.yahoo.com/lilly-stop-rheumatoid-arthritis-drug-trial-due-lack-131849121--finance.html

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MUFG to pay $8.6 million in U.S. sanctions case

TOKYO (Reuters) - Japan's Mitsubishi UFJ Financial Group Inc (MUFG) said it will pay $8.6 million to U.S. regulators as a settlement for transactions that could be seen as violations of U.S. sanctions against Iran and Myanmar.

MUFG said its core commercial bank, Bank of Tokyo-Mitsubishi UFJ (BTMU), conducted money transfer and other transactions with clients related to Iran, Myanmar, Sudan and Cuba between 2006 and 2007.

The bank said it had no knowledge at the time that such transactions could be violating U.S. sanctions as the transactions were done with the clients' bank accounts in countries not targeted by the U.S. sanctions, including the United States. The transactions totaled 97 cases and $5.9 million.

MUFG, Japan's biggest bank, said it held a series of consultations with U.S. regulatory body, the Office of Foreign Assets Control (OFAC) about the transactions.

"Some of the transactions reported by BTMU were determined to be apparent violations of the OFAC regulations," it said in a statement.

Standard Chartered Plc agreed to pay $327 million to resolve allegations that it violated U.S. sanctions, on top of a $340 million fine in August on Iranian sanctions.

(Reporting by Mayumi Negishi and Taiga Uranaka; Editing by Richard Pullin)

Source: http://news.yahoo.com/mufg-pay-8-6-million-u-sanctions-case-012459232--sector.html

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British Census Data: 73% of Write-ins for Religion Were 'Jedi Knight'

What's the number of unread emails?right now, at this moment, without changing anything?in your inbox? That would be 3,487 in the case of Jen here; 1 in the case of Rebecca. More about what that means in a second, but first, a bit of backstory: The New Yorker's Silvia Killingsworth has embarked on an exploration into the subject of what she dubs in her headline as "Zero Dark Inbox," or having absolutely zero unread emails in one's inbox. She writes, "I have four e-mails in my inbox right now, but I?m aiming for that number to be zero. ...

Source: http://news.yahoo.com/british-census-data-73-write-ins-religion-were-172825793.html

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