Posts Tagged ‘percent’



99ers UNITE

 When WE elected a politician who  is making $275,000 a year- salary and benefits,

of  OUR money and you and I  are jobless and forclosed -

WE must remember

WE are  his/her  EMPLOYERS :

 WE hired  this incompetent idiot – yet we are being foreclosed upon -bankrupt and desperate 

and  he/she  is SO INEPT – or self serving – he cannot pass a bill to create even  10,000 jobs ..

We are either a nation of sheep or all of these politicos deserve to be fired...

“If you’re not in the richest 2 percent, you’re struggling. We have to ask the question, why are corporations, major corporations, sitting on millions and billions of record profits by their own account yet they’re still not hiring? We have to ask the question why our government continues to fight itself and ignore our needs.”


Her speech and arrest happened last November, nearly a year before the Occupy Wall Street protests became an international sensation. Way before many of the occupiers took up the cause of the 99 percent, there were “99ers” — the very long-term jobless.

 Their protests were smaller, and they got less attention. Now several 99ers and the long-term jobless, including Frederick, have joined the Occupy Wall Street cause.

There are more than 2 million Americans who’ve been out of work for 99 weeks or longer, according to the Census Bureau. Ninety-nine weeks is the current cutoff point for unemployment insurance in22 states.

A 99er can be either a person who’s been out of work at least that long or a person who ran out of unemployment insurance, whether it lasted for 99 weeks, 86 weeks or 76 weeks (the duration varies depending on a state’s laws and its unemployment rate).

But now, because of the “We are the 99 percent” slogan, Occupy protesters are being referred to as 99ers.

“We’re gonna have to do a little rebranding there,” Frederick told HuffPost on Thursday. The former union organizer said she’s down to her last seven weeks of benefits and will consider herself a 99er if she doesn’t find a job before they run out. (In New York, the limit is currently 93 weeks.)

Frederick is helping organize a working group called “Jobless Avengers” that will hold its first meeting Friday afternoon in Zuccotti Park, where the Occupy protests got started a month ago.

“Jobless Avengers seeks to give voice and visibility to the many jobless and local business owners who are silently suffering in this economy,” says a flier (PDF) Frederick is currently distributing. “We will be Silent No More. As part of the Occupy Wall Street movement, we are focused on action, not policy, political or legislative debate. This working group is open to all, but a special invitation is extended to the jobless, underemployed, 99ers/UI exhaustees and local small business owners.”

Frederick said she wants Congress to pass a jobs bill similar to the one proposed by President Obama, but better — with things like job training initiatives that focus on people who have exhausted their benefits and additional  weeks of benefits. She called the current cutoff points “arbitrary.”

Chris Williams, a 53-year-old 99er from Harlem, said he’s glad to become a part of the Occupy movement, but that he thinks 99ers should maintain a narrower focus on unemployment and jobs. He’s been filming the protests and said he is attending another jobless-focused working group on Friday.

“Since they’ve coined the term 99 percent, we’re really back in the shadows,” he said.

Williams crossed the 99 week milestone last year. He said he lost his job with a corporate law firm in 2008. “It’s frustrating. It’s depressing,” he said of becoming a 99er. “You wonder what’s going to happen to you.”

Normally, 26 weeks is the maximum duration of unemployment insurance, but Congress routinely creates additional weeks during recessions. If the current regimen of extended benefits is not reauthorized, nearly 2 million recipients will find themselves cut off come January, according to the National Employment Law Project.


Since the birth of the first mobile Internet banking services WAAY back in 1999,banks were natural first movers in the yet to be monetized space, recognizing that they could provide a convenient anytime, anywhere extension of their Internet banking services on the EXPLODING mobile Web with only slightly diminished functionality.

I’M YOUR 24 HOUR MONEY MACHINE…the bank said.  Oh happy day.

OK OK – I am guilty of anthropomorphism; that poor little sucker has no lips only  a slot…

Clients could now use their phones to check account balances, manage credit cards or loans, and transfer money between accounts. This is financial BINGO….

Recently, we have seen dramatic increases in the rate at which financial services companies have moved into mobile, and equally sharp increases in their levels of investment. Clearly, the mobile medium is achieving critical mass.


What’s changed?
Banks have offered mobile banking for years, with little real innovation to their core service. It took eight years, and one small developing world player – mPesa in Kenya – to start a mobile banking revolution.

The key difference was that mPesa took nothing for granted. It realised that their target market was unlikely to open a traditional bank account, let alone register for Internet banking on a PC. The solution?To allow users to make use of their phone’s airtime balance as a mobile wallet.

So, the handset became both a financial remote control, and deposit-taking instrument. Success was quick and meteoric, and mPesa has gained millions of customers in several countries who use the service for anything from paying for shopping, to wiring money to relatives or taking a taxi home.

The success of mPesa and the number of providers who have sought to copy the approach has prompted Juniper Research to predict that the mobile banking market will be worth $22 billion by 2015.

Statistics from mobile security vendor Webroot support this claim, reporting a 40 percent growth in mobile banking usage during 2010 in Europe, and 20 million users logging onto their bank accounts from mobile devices every month.

What is more, a significant portion of the population has already transacted on mobile.

In a recent research survey, we asked, “Have you ever done an online transaction?” More than 70 percent of global users had.

So, customers are more trusting of the online medium than ever.

According to the Interactive Advertising Bureau, 51 percent of the British population has already engaged in mobile commerce.

Opportunities in mobile money
MPesa is not alone in its success.

Mobile money case studies are being published with increasing frequency, and the industry is starting to gather momentum.

There are clearly a number of opportunities open to banks, financial services providers and merchants before competition makes entry into the market difficult.

The primary opportunity lies in education – of lower income brackets in the developed world, and the unbanked in the developing world.

In our recent Mobile Lifestyle Survey, 46 percent of respondents said that they would use their phones for financial services such as money transfers, bill payments and loan applications – if these were available.

In the majority of the countries that the survey ran in, though, all of these services were already present. Users were simply not aware of their availability.

The second opportunity lies in the ability of the institutions to be flexible to the needs and constraints of their customers.

MPesa was willing to work around the fact that its target market was not likely to walk into a traditional bank branch to open an account. By catering to the least advanced of consumers, it made sure that the service works for all.

The third opportunity lies in micropayments.

Mobile payment providers and gateways are missing out on the sort of lower value transfers between family and friends that occur informally, which higher-cost channels cannot profitably serve.

A number of creative approaches can be considered here, such as using airtime as a virtual currency, and building creative solutions in partnership with retailers, merchants and banks.

Marketing these services
In each of these opportunities, the first and most crucial step lies in understanding customers’ pain points in the areas of delivery, reliability, security, price and customer service.

Investing upfront in strategic marketing will ensure that fee structures are right.

Building creative partnerships will align you with the rest of the ecosystem. And if the resulting service caters to real customer needs and has been properly considered, you will have a very strong chance of success.

The day will come -when the monthly paper statement will be gone- and the desktop as we know it will be gone.

Seriously, we in the USA are old; we do not  see that well ;our fingers are not nimble;will we have handicapped Smartphones?

I wonder–

Appsnewbie says…

Dell and Apple are Dukeing it out..

Dell’s sales in China grew by 22 percent during the first quarter of this year, and China, the world’s largest mobile phone market, passed 916 million subscribers in July.

China LOVES mobile devices:

While Dell has not announced when the products are to hit the market,

technology giant Dell and Chinese Web services company Baidu are teaming up to develop mobile phones and tablet devices involving Baidu’s new mobile platform. Run Samsung- run…

Dell’s sales in China grew by 22 percent during the first quarter of this year, and China, the world’s largest mobile phone market, passed 916 million subscribers in July.

Baidu occupied 75.9 percent of Internet search revenue share in the second quarter of 2011, according to Analysis International. GoogleChina, which ranks second, continued to move downward, occupying 18.9 percent market revenue share.

WOW…..Baidu provides an index of more than 740 million Web pages, 80 million images and 10 million multimedia files, and offers multimedia content, including MP3 music and movies, and is the first inChina to offer Wireless Application Protocol (WAP) and personal digital assistant- (PDA-) based mobile search.

“I suspect this is just Dell, who has a lot of problems on the mobile and tabletfront, grasping at straws to get any kind of publicity that it can to make its product more attractive,” Michael Clendenin, managing director of technology consultancy RedTech Advisors, told the news service. “Ultimately, inChina, I still think it is Apple’s game, still for the iPad and iPhone.”

As demand in Chinafor mobile devices skyrockets, Apple certainly isn’t sitting on the sidelines:

The company is nearing completion of a 24,000-square-foot store in Hong Kong to complement its retail locations inBeijing andShanghai—each city is home to two Apple stores. Carolyn Wu, a Beijing-based Apple spokeswoman, told Bloomberg News the store would open inside the International Finance Center Mall inHong Kong’s main shopping and business district, but declined to specify an exact date.

“The iPhone is one of the leading smartphones in the Hong Kong market,” Sandy Shen, an analyst at IT research firm Gartner in Shanghai, toldBloomberg. “The sales momentum for the iPhone is still very strong, and we see the growth being maintained for the next few quarters.”

Microsoft isn’t holding back either. The company is also partnering with Baidu to provide users of Baidu with results from Bing, Microsoft’s search engine, after English-language search entries are entered inChina. The partnership, comes as Baidu looks to expand its user base after fending off market-share increases from Google, while Microsoft is trying to keep momentum going for Bing, which has seen its user base for the search service grow in theUnited States.




HMMM- I wonder if  CAMBER TIRES would work in the Balkans ????




Does the RUSSIAN INTERNET GIANT  EVER  have a potential market or what ?

There are over 10.5 million Internet users in the Balkans/the former Yugoslavia, which makes up 51.7 percent of the region’s population.

 Slovenia has the highest Internet service penetration (63.29 percent), while Bosnia and Herzegovina has the lowest (51.76 percent of Internet users).

It is interesting that over a half of the Serbian and Croatian population is on the

…As for the Internet users, this does not even  users of mobile internet.

Facebook is the most popular destination: over 70 percent of Internet users have a Facebook account in Serbia, and 63 percent in Croatia:

The average time spent on Facebok is 25 minutes (both for Serbia and Croatia), and the average user in Serbia checks his/her Facebook account 16 times a day, while in Croatia it is 13 times a day.


The increasing number of Facebook users can be explained by non-residents of Serbia and Croatia using this social network during their travels.

The online social dynamics and the activities on Facebook do not differ much in other Balkan countries.

Young adults spend the most of  their time on Facebook, communicating with their friends (61 percent), “like”-ing their statuses (66 percent), sharing content and information (56 percent), writing private messages (47 percent), and playing games (22.4 percent).

Statistical and educational institutions in each of the Balkan countries could generate and use the data on the relevant online activities to detect and focus on their critical users, to adjust their policies and action plans based on the data.

The internet is SO universal-social media has truly joined us all..






BUT–the offline market still sits on the throne

And I think  will continue  to occupy the throne for oh, maybe the next3 to perhaps -5 years- it depends on the amount of the R&D money the mobile phone HARDWARE NOT SOFTWARE  guys are willing to spend for the physiological accessibility factors of Smart phones. The intensive hardare side- that’s is where the REAL pedal hits the metal- cost wise.

Penetration of smart phones stands at more than 40 percent in Western Europe and 38 percent in the U.S..

Consumers just can’t get enough of the latest phone models and download the newest and slickest apps.

While fewer than 20 percent of Asia Pacific mobile users currently have smart phones, interest is  growing quickly and upgrading desire is high.Nearly half of consumers intend on buying a smartphone in 2011, according to Nielsen research.

In  recent brand surveys, the iPhone was second among all handset brands inVietnamin terms of brand recognition, while in Indonesia BlackBerry was in fourth place, ahead of many longer established handset brands.

Brand identity and name recognition play a key role in determining which brands will be purchased and do well in the region, and the iPhone and BlackBerry have much greater  image familiarity.

For example, inMalaysia, Apple and BlackBerry only have 3 percent and 1 percent share of the Smartphone market respectively.

But 17 percent and 11 percent of Smartphone users would choose Apple and BlackBerry, respectively, as a first choice for their next phone.

Greater Smartphone ownership will drastically change how mobile data is consumed by mobile users and  marketing plans in the  Asia Pacific  show that Smartphone users are typically three times more likely to access the Internet (86% vs. 30%), and four times more likely to access their e-mails (80% vs. 21%) via their handsets, compared to non-Smartphone users.

They are also much more likely to download applications onto their handsets, with iPhone users averaging 48 apps on their handsets and Android phone users 35 apps.

Some Smartphone users spend a quarter of their time with their mobile phones simply accessing Facebook.

Other  trends will also have an impact on buying patterns and data usage:

  1. Tablets: Sales in theU.S. andWestern Europe have been surpassing all expectations, and there is no reason for this trend to be different in Asia Pacific.
  2. As the substitution effect of tablets tends to be against laptops, PCs and net books, many — if not most — tablet owners will also own a smartphone.
  3. This creates the superspending  niche group of  “super consumers” who can be reached through mobile marketing via an additional high-engagement screen, but who will also have an additional need for seamless service and content mobility in order to remain satisfied.
  4. Multimedia phones: Phones with touch screens but lacking open, high-end operating systems provide an opportunity for other players in the mobile ecosystem to ride on the excitement generated by smartphones.
  5. While they are technically not Smartphone’s, multimedia phones have many similar features, and often the average mobile user cannot distinguish one from the other. In Latin America, the market share of multimedia phones is growing dramatically as they satisfy consumers who want the features offered by Smartphone but are unable to afford them.
  6. In India, local brands such as Spice and MicroMax are already making huge splashes in the market.

Increased data usage has a number of implications for the mobile ecosystem. For example, service providers may find it difficult to monetize mobile applications beyond providing data plans, and may lose out to application providers (e.g. Facebook, Google) and app stores. If they are unable to monetize the content coursing through their pipes, they must monetize access both to the pipe, and to the users of the pipe. This means ensuring they have the fastest data speeds and the most attractive subscriber profiles to make themselves a compelling advertisement platform for brands.

The depth of smartphone user engagement with their devices clearly creates exciting new advertising opportunities. While mobile advertising can provide superior cut-through and impact with consumers, it can also be viewed as intrusive. Mobile advertisers must provide real value or entertainment to consumers within the parameters of the ad campaign itself and reward them for taking the time to engage.

But before all this happens, more subscribers need to use data services, and for that to occur mobile service providers in many markets need to restructure their pricing plans.

In many parts of the Asia Pacific region, mobile handset owners are still “under-using” the full features on their handsets as concerns about the affordability and transparency of data pricing linger. In developed markets, generous and unlimited data plans have played a critical role in the surge of data application usage. While unlimited data plans may not be the right solution in all markets, operators nonetheless need to provide better pricing plans with which consumers are comfortable if they want to hasten their adoption of data services.

And the Mobile Market Tsunami Rolls on.

BUT–the offline market still sits on the throne .and I think  will for oh, maybe the next3 to perhaps -5 years- it depends on the amount of the R&D money the mobile phone HARDWARE NOT SOFTWARE  guys are will ng to spend for the physiological accessibility factors of Smart phones

noney the ..0..

Pandora Media Inc. Chief Executive Officer Joe Kennedy said the streaming-radio service isn’t finding enough advertisers to buy all the space created by mobile-phone users, underscoring concerns about its ability to convert popularity into revenue.

“Pandora is one of the top five players in mobile, so we generate a lot of inventory and are ahead on where aggregate demand is for mobile advertising.”

The online-radio company, which held its initial public offering last month, is getting most of its growth from users of mobile devices, such as smartphones and tablet computers.

Sixty percent of Pandora listening comes from the mobile market, up from just 12 percent two years ago, according to the company.

Pandora isn’t profitable, with losses of $92 million since 2000, the Oakland, California-based company said earlier this year.  (SIGH)

Pandora’s costs continue to grow because of higher licensing fees for the rights to music.

 Increasing mobile ad sales will be needed to help offset those expenses, said Rich Tullo, an analyst at Albert Fried & Co. in New York.

“They’re in a tight spot right now,” said Tullo, who recommends selling Pandora shares. “If your content costs are going to accelerate, then the management and monetization of your ad inventory is mission-critical in becoming a profitable company.”

IPO Rebound

When Pandora’s stock made its June 15 debut on the New York Stock Exchange, it joined a wave of Internet businesses going public this year. Pandora’s shares fell 55 cents, or 2.9 percent, to $18.21 at 10 a.m. on the New York Stock Exchange, and earlier dropped as much as 4.9 percent to $17.85. Before today, the stock had climbed 17 percent since the IPO.

Pandora generated $119.3 million last year from advertising, or 87 percent of its sales, and another $18.4 million from subscriptions to an ad-free version of the service and other revenue sources.

Brands such as Anheuser-Busch InBev NV’s Budweiser, Yum Brands Inc.’s Taco Bell and A&E Television Networks LLC’s History Channel have run ads targeting Pandora’s mobile users.

In all, marketers will spend $2.55 billion on mobile ads in 2014, according to New York-based research firm EMarketer Inc. That’s more than double the $1.1 billion in spending this year.

In the long run, Pandora stands to gain from advertiser interest in mobile.

Gradual Shift?

As advertising demand on the Internet keeps surging and the logical ad demand for the explosive mobile-device universe also dramatically increases, the supply-demand equation should consequently shift, long term in Pandora’s favor,” Boyle said in an e-mail.

While Pandora already competes with Sirius XM Radio Inc., a subscription-based satellite-radio service, it may face a bigger challenge from Apple Inc. (AAPL) and other established technology companies, which are investing in their own online-music offerings.

Startups such as San Diego-based Slacker Inc. and San Francisco-based Rdio Inc. also offer music through the Internet. CBS Corp.’s competes in the market as well.

Much of the growth from mobile advertising will come from small businesses looking to reach prospective customers when they’re nearby, said Rich Greenfield, an analyst at BTIG LLC in New York. Pandora has more experience selling ads to bigger brands and may not be equipped to reach those smaller, local businesses, he said.

Whether you chose to advertise with Pandora, or not – mobile marketing is an area you need to understand AND be able to use for your business.

Numbers Report: Cell Phones, Smart Phones, Tablets, 3D

Consumer purchases of personal computers are expected to decline 39 percent this year, according to a survey from consulting firm, Accenture.

Purchases of cell phones (not counting smartphones) will decline by 56 percent.

 Dumbphones ( versus smartphones – sorry – I have a simple mind- taks so little to amuse me  ) are declining

But purchases of 3D televisions are expected to rise 500 percent; tablet computers 160 percent;

eBooks readers sales grow 133 percent; and smartphones sales grow 26 percent.

Accenture’s annual survey focused on 19 different gadgets used by more than 8,000 urban-area consumers in Brazil, China, India, Russia, France, Germany, Japan and the United States.

 Ninety-three percent of the respondents owned a computer—a higher proportion than any of the 19 other technologies included in the survey.

But measured by growth rate, the PC market has reached a level of saturation and will continue to see smaller growth rates. Investors – think about this …

Chinese consumers were among the most enthusiastic purchasers and users of the latest consumer technologies.

 More than half (53 percent) of Chinese respondents own a smartphone compared to one-third of U.S. respondents.


Tata Motors and HOW THEY GROW..

MUMBAI INDIA : Tata Motors Ltd, India’s largest truck and bus maker, are growing very well.Its global vehicle sales rose 9 percent in March 2011 to 110,785 units.

Global sales of commercial vehicles grew 19 percent to 56,814 in March, while sales of passenger vehicles were at 53,971 units, the company said in a statement.

Tata Motors on Thursday said it has launched new diesel and petrol variants of its hatchback Indica, priced between Rs 2.95 lakh and Rs 3.95 lakh (ex-showroom, Delhi). The company claimed that the diesel vehicle gives a mileage of 25 km per litre as per Automotive Research Association of India (ARAI) and is the most fuel efficient car in India. Maybe Detroit
should stop wondering why they have had such challenges when gas is now over $4 per gallon…..
APPSNEWBIE RUSSIAN FACEBOOK: LOVED by over 14 MILLION RUSSIANS is Russia’s Largest Social Networking Site

Of the 31.9 million people who accessed the Internet in Russia in April, 18.9 million visited at least one social networking site, representing a reach of 59 percent of the total online population. The most popular of these sites was Russian-based with 14.3 million visitors, followed by (7.8 million visitors), – My World (6.3 million visitors) and (1.6 million visitors). attracted 616,000 Russian visitors, up 277 percent versus year ago.

It Translates- so go peek and join-Ii love it..


This is just  a portion of Leading Social Networking Sites

Behind the AOL/Huffington Post  Wedding


February 18, 2011
Looks as though the Queen of  Huffingtonia  stooped  to Conquer—a wise move methinks…

After the Huffington Post made its own headlines last week when it was acquired by AOL for a reported $315 million, The Nielsen Company analyzed what the Huffington Post’s audience brings to the AOL portfolio in the U.S., specifically among notable demographic 

The Huffington Post audience also tends to be more highly-educated – 44 percent hold a bachelor or post-graduate degree, compared to 37 percent for AOL News, 31 percent across the entire AOL portfolio and 25 percent across the entire web.

A very encouraging element of Huffington Post reader behavior for AOL concerns who consumes content. Visitors from households with incomes above $150,000 account for twice the percentage of total page views consumed on Huffington Post (12%) than they account for on AOL News (7%) and across the entire Internet (6%).

Those with a bachelor’s degree account for 50 percent more of Huffington Post content (33%) compared to AOL News (24%) and the Internet average (22%). Most starkly, those with a post-grad degree account for almost three times the percentage of Huffington Post content (34%) than they average across the whole Internet and AOL News (both 12%).


With 13.2 million unique U.S. visitors in January 2011, the Huffington Post was the ninth most popular non-financial news website visited from home and work computers in the U.S. Its new ‘sister’ site, AOL News, was the fourth most-popular with 22.1 million U.S.-based unique visitors. AOL News is AOL’s second most popular channel – behind MapQuest – and, in effect, the Huffington Post becomes AOL’s sixth most popular property just behind AOL Messenger/AIM (with 13.3 million uniques in January) and ahead of AOL Music (with 13.1 million).

Key Metrics for January 2011 (U.S., Home and Work)
Entity Unique Audience (000) Active Reach Avg Time Per Person (hh:mm:ss) Pages Viewed Per Person
AOL Media Network 76,173 38.5% 1:58:31 85
AOL News 22,060 11.2% 0:14:00 15
Huffington Post 13,266 6.7% 0:11:39 18
Source: The Nielsen Company
Read as: During January 2011, 76.2 million unique U.S. people visited an AOL Media Network property using a PC/laptop from home or work locations.

AOL’s network of websites attracted 76.2 million unique U.S. visitors in January 2011, or 39 percent of all active U.S. web users. Visitors to AOL’s websites spent an average of 1 hour 58 minutes during the month, viewing 85 pages on average. Based on average visitor January figures, each Huffington Post reader adds almost 12 minutes of time and 18 pages to the AOL portfolio – a total of 155 million minutes and 237 million page views.

Although the Huffington Post had 13.2 million U.S. uniques in January, almost 10.2 million of them also visited an AOL website, thus the net effect of AOL’s acquisition is almost 3.1 million new visitors or 1.5 percent more reach into the active U.S. Internet population. There is also a strong overlap between the Huffington Post and AOL News. In January 2011, 44 percent of visitors to the Huffington Post also visited AOL News; with 27 percent of AOL News readers also visiting the Huffington Post.

It’s not just about the extra readers the acquisition brings but the type of visitor. Although the audience makeup to AOL News and the Huffington Post is broadly similar, the latter is more concentrated around certain demographic groups. For example, the Huffington Post has a higher concentration (34%) of 18-49 year old females compared to 29 pecent for AOL News. The Internet average is 27 percent.

Although the audiences to the two entities are spread similarly geographically across the U.S., it is notable that the Huffington Post is more likely to have visitors from the West Coast while AOL News tends to have a greater concentration of visitors from New England.

The Huffington Post audience also tends to be more highly-educated – 44 percent hold a bachelor or post-graduate degree, compared to 37 percent for AOL News, 31 percent across the entire AOL portfolio and 25 percent across the entire web.

A very encouraging element of Huffington Post reader behavior for AOL concerns who consumes content.

Visitors from households with incomes above $150,000 account for twice the percentage of total page views consumed on Huffington Post (12%) than they account for on AOL News (7%) and across the entire Internet (6%).

Those with a bachelor’s degree account for 50 percent more of Huffington Post content (33%) compared to AOL News (24%) and the Internet average (22%). Most starkly, those with a post-grad degree account for almost three times the percentage of Huffington Post content (34%) than they average across the whole Internet and AOL News (both 12%).

BOTTOM LINE: The Huffingtonians are richer eand smarter than the average bear.

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