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Wednesday, November 28, 2012

TransferWise, the online currency exchange that uses the crowd to undercut traditional money transfer services, has announced that it's added support for the U.S. dollar -- a move that it believes, along with existing support for the British pound, euro, Swiss franc, Polish zloty, Swedish krona, Norwegian krone, and Danish krone, positions the company to become the preferred method of money transfer for European startups.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/vV2pZ_JceBs/

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Tuesday, November 27, 2012

Pawn Your Domain Names for Fast Cash ? With Matt Collins

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Sales rules to be tightened - The Nation

THE NATION November 26, 2012 1:00 am

The central bank met with the Securities and Exchange Commission and the Office of the Insurance Commission last week to beef up supervision of sales of securities and insurance products through commercial banks. The regulations will take effect next year for all commercial banks authorised to sell securities and insurance products.

The complaints included offers of life insurance policies bundled with safe deposit boxes and credit extensions together with a sales pitch for securities and insurance products without clear information of the risks.

The regulations enforce basic consumer rights, including the right to be informed, right to choose, right to be heard and right to redress.

Commercial banks also have to follow the rules, procedures and conditions for consumer rights' protection. They are required to show the difference between securities and insurance products and bank deposits, and their risks. Information on returns must be disclosed.

The report said the regulations prohibit commercial banks from forcing purchases of securities and insurance products tied with bank products or setting conditions for sales or services or main products. Commercial banks must let consumers decide on whether to purchase products or refuse to make purchases. Under the regulations, commercial banks are prohibited from promoting sales with rewards.

"Commercial banks must have measures to ensure customers have product knowledge and understanding. They have to provide product information on risks, returns, consumer protection, past performance and taxes," the report said.

Commercial banks are also required to separate the counter for sales of securities and insurance products and the counter for cash deposits and withdrawals with clear signs. Connected transactions for such products like money transfer after securities purchases can be made at the counter for sales of securities and insurance products.

Commercial banks, under the new regulations, have to set up after-sales procedures and a complaint system to facilitate customers. If commercial banks are proven to have breached the regulations with intent or through carelessness and caused consumers any damage, the banks are liable for proper compensation. Consumers' confidentiality must be maintained.

Weidt Nuchjalearn, a senior executive vice president of Krungthai Bank, said the regulations would make it harder for banks to cross-sell products. In cross-selling, the banks do not force customers to buy other products but just recommend them other products besides the main ones they intend to buy. However, if these recommendations make consumers feel annoyed, this might risk being deemed as violating the regulations.

Some banks might sell products in a manner that is in the blurred line between cross-selling and forced-selling of products, he added.

Regulations for sale of commercial bank products

- Must clearly identify the different characters of the products to consumers

- Must fully disclose product details

- Must not force consumers to buy securities and insurance products tied

with bank products or set sales conditions

- Must not promote product sales by giving buyers a chance to enter a lucky

draw for other items

- Must not promote products in a manner that annoys consumers or

infringes on their privacy

- Must not use misleading advertisement messages

Latest stories in this category

Source: http://www.nationmultimedia.com/business/Sales-rules-to-be-tightened-30195017.html

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Monday, November 26, 2012

Asian shares edge higher on hopes for Greek deal

TOKYO (Reuters) - Asian shares inched up on Monday on hopes that Greece can avoid a near-term bankruptcy, with the market focusing on a euro zone finance ministers meeting later in the day, but a regional Spanish vote favoring separatist parties capped gains.

U.S. stock futures were down 0.3 percent, suggesting a soft Wall Street open, and European shares were seen falling, with financial spreadbetters predicting London's FTSE 100 <.ftse>, Paris's CAC-40 <.fchi> and Frankfurt's DAX <.gdaxi> to open down as much as 0.3 percent. <.l><.eu><.n/>

MSCI's broadest index of Asia-Pacific shares outside Japan <.miapj0000pus> was up 0.2 percent to a two-week high.

It marked the sixth consecutive day of advances and comes after the euro and global shares climbed on Friday on expectations that an agreement will be reached soon to disburse aid for Greece, and after a rise in Germany's Ifo business climate index.

"There is optimism around in regards to the euro area's ability to achieve a deal on Greece," said Emma Lawson, senior currency strategist at the National Australia Bank.

But worries about the Spanish vote and the implications for Madrid's push for fiscal austerity helped the euro slip 0.1 percent to $1.2960, pulling back from a three-week high of $1.2991 reached on Friday.

Against the yen, however, the single currency hit a seven-month peak of 107.13.

The yen was near a 7-1/2-month low of 82.84 yen to the dollar hit last week. It has been weakening on expectations of further monetary policy easing with the likely advent of a new Japanese government next month.

The dollar <.dxy> inched up 0.1 percent, after falling to a three-week low of 80.128 against a basket of major currencies on Friday as risk appetite gained.

Australian shares <.axjo> rose 0.2 percent on gains in energy and mining stocks, but Hong Kong <.hsi> and Shanghai <.ssec> shares eased slightly.

Japan's Nikkei stock average <.n225> gained 0.8 percent after rising to a seven-month high earlier on Monday on views that a weaker yen will boost earnings for exporters. <.t/>

"Although some investors are cautious about the fast-paced gains in the Japanese market, they will likely stay buyers on the back of the improving trading environment in the global market," said Hiroichi Nishi, general manager at SMBC Nikko Securities.

EUROPE HOLDS KEY

On Sunday, separatists in the Spanish region of Catalonia won an election but failed to get the resounding mandate they need to push convincingly for a referendum on independence.

The win heightens concerns about a potential negative impact on the Spanish economy and the country's finances, as Catalonia accounts for 20 percent of the economy and provides the most tax revenue to the central government.

"While the result helps tone down the risk of the government being forced to give more autonomy to Catalonia in its fiscal policy, the underlying discomfort the province may be feeling about its big fiscal burden may persist," said Masafumi Yamamoto, chief FX strategist at Barclays in Tokyo.

He added that the result may weigh on the euro more when trading starts in Europe, where the euro's liquidity is far larger.

On Friday, European shares posted their best weekly gain so far this year on hopes for Greece and Germany's solid Ifo data, which followed firmer manufacturing reports from China and the United States released earlier last week.

London copper edged down 0.1 percent to $7,769.75 a metric ton (1.1023 tons) after rising for two weeks in a row. While signs of economic recovery in top consumer China helped support prices, China's official purchasing manufacturers' index due later in the week will be awaited for more confirmation of the trend.

"A positive PMI number should help a little bit, but we have not seen any significant improvement in the real economy yet," said Beijing-based metals analyst Wan Ling of commodities research house CRU Group.

The Thomson Reuters-Jefferies CRB index <.trjcrb>, a global commodities benchmark, rose to its highest close since October 23 on Friday -- its best weekly performance since mid-September with a 1.9 percent gain.

Spot gold eased 0.1 percent to $1,750.35 an ounce on Monday after rising above $1,750 for the first time in five weeks on Friday.

U.S. crude fell 0.5 percent to $87.88 a barrel and Brent eased 0.2 percent to $111.12.

Asian credit markets steadied, with the spreads on the iTraxx Asia ex-Japan investment-grade index barely moved from Friday levels.

(Additional reporting by Ayai Tomisawa in Tokyo, Ian Chua in Sydney and Melanie Burton in Singapore; Editing by Edwina Gibbs & Kim Coghill)

Source: http://news.yahoo.com/asian-shares-edge-higher-hopes-greek-deal-004039464--finance.html

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Sunday, November 18, 2012

My Eternal Moon

Vampires, Werewolves, Nekos, Elves, and Angels don't seem to get along real well these past few days. The moon goddess isn't too happy about the constant war she sees, as she's the gentle spirit of mother nature. The Sun god however...

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This topic is an Out Of Character part of the roleplay, ?My Eternal Moon?. Anything posted here will also show up there.

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Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.
This is the auto-generated OOC topic for the roleplay "My Eternal Moon"

You may edit this first post as you see fit.

Nami L'Chi: Member for 0 years

can i reserve neko sister please?
also, are there elves? (just judging from intro)
because if there are, i'd change my reservation to that.

MegaKooala12: Member for 0 years

There are 5 races to choose from but yes :D You can choose from Elves, Neko, Werewolves, Angels, Vampires... **wonders if I forgot to put the elves up there...**
just as soon as you can post your character Application... I don't want to hold characters up... :D

Nami L'Chi: Member for 0 years

Yay!! Can't wait to see what ya come up with ^_^
=whispers while bribing with cookies= get yer friends to apply too :3

Nami L'Chi: Member for 0 years

this looks interesting, i think ill be putting in a character for this but probably tomorrow because it is late

Echo_Rose: Member for 0 years

-claps happily- Yayy :3 can't wait for it :P

Nami L'Chi: Member for 0 years

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iMore Editors' Choice: Beatdown, Stream, Track 8, and more!

iMore Editors' Choice for November 17, 2012

Every week, the editors at iMore carefully select some of our favorite, most useful, most extraordinary apps, accessories, gadgets, and websites. This week's selections include a bluetooth audio accessory, a fighting game, and apps for those looking to save a few bucks, buying movie tickets, listening to music, an ADN client, and an interactive children's bedtime book.

TuneLink Auto - Chris

This week I have gone for an accessory that was an absolute must after I upgraded my iPhone 4S to the iPhone 5. I listen to music and podcasts all of the time when I am driving around and my iPhone 4S had a kit that allowed the audio from the dock connector to be piped straight into my car stereo. Due to Apple' change in dock connector from the 30 pin to the Lightning connector, I could no longer use this when I switched to the iPhone 5; this is where the TuneLink Auto comes in.

The TuneLink Auto is a Bluetooth stereo audio interface that plugs into your car's 12-volt power socket and then into your cars AUX 3.5mm input. Your iPhone can then connect to the TuneLink via Bluetooth and it plays your music through your stereo all without wires. It also comes with a USB port so you can plug in your Lightning cable and charge your iPhone 5 if needed. The sound quality is fantastic and as soon as you start your car the iPhone pairs to the TuneLink and your music or Podcasts start playing without any interaction needed. It works perfectly every time.

If your car doesn't have an AUX input, fear not, the TuneLink also has an inbuilt FM transmitter included too so you can tune it to a free radio station and listen to your music that way; the sound quality using the FM transmitter is no where near as good as with the wired solution. The TuneLink is a top piece of technology and I love it!

$79.00 - Amazon

Beatdown! - Simon Sage

Beatdown is a retro beat-'em-up game inspired by such classics as Final Fight, River City Ransom, and Double Dragon. The simple jump/attack/move virtual buttons keep things simple and allow players to focus on laying some fists into a variety of corporate goons. The game's protagonist was (in his opinion) wrongfully dismissed from his job, so he goes on a rampage of righteous fury, punching and kicking his way to the company CEO. Players build up a rage meter throughout each level simply by laying the smackdown, and when it reaches its maximum, the hero goes into a whirling, red frenzy. The evildoers are all hammed up in cute, tongue-in-cheek kind of way, and should resonate will with those that spend a lot of time in an office. Beatdown was made by the same guys that made the League of Evil games (among other titles), and as you might expect, the 16-bit-style graphics as both charmingly blocky and well-animated.

$0.99 - Download Now

RetailMeNot Coupons - Chris Parsons

I'm kinda cheap. Incredibly so when it comes to buying things on the internet like web hosting or domain names. With so many online companies trying to win your business, there is plenty of coupons out there that can almost always offer you a deal if you take the time to look around. One site that lists a lot of coupons is called RetailMeNot. Recently, I've been checking out the RetailMeNot Coupons app -- the app is free to download in the iTunes App Store and has some nice features built into it such as the ability to browse hot coupons, categories and even save coupons for later use. It's not the best designed app in the world, but thus far, I've managed to save $20 just by having it on my device.

Free - Download Now

Stream for App.net - Joseph Keller

Stream is a new App.net client for iPhone. It has a simple, clean interface, and reminds me favorably of Tweetie before it was purchased by Twitter. Stream makes use of gestures in order ot perform actions such as reply, viewing a conversation, and reposting. Swiping a post in your feed to the right will bring up a reply window, while swiping to the left will let you view a conversation, reply, favorite a post, or repost, depending on how far you swipe. You can also simply tap on a post in order to perform all of these actions, if you wish. Cross posting to Twitter is supported through use of the iOS system Tweet sheet, which will copy the text in your compose window. Stream is a solid App.net client for iPhone, and if you?re looking for an alternative to the apps already on the market, I highly recommend you pick this one up.

$3.99 - Download Now

AMC Theaters - Ally Kazmucha

I'm a huge movie person and whenever we've got a night to head to the movies, we take advantage. If you've got AMC theaters around you, the AMC app is a great place to get information. If you're an AMC Stubs member, not only can you track your rewards but they actually support Passbook. Once you've entered your Stubs information into the AMC Theaters app, you have the option to add your Stubs card to Passbook.

I personally hate carrying around loyalty cards so any company that has loyalty cards with Passbook support is on my must download list. The AMC Theaters app may have a lot of the same information you can get from apps like Fandango but the Passbook support along for Stubs is what really sold me. If you're a member, make sure you check it out.

Free - Download Now

Track 8 - Rene Ritchie

While some may think iOS is starting to get a little long in the tooth, even throwing around the "b" word -- boring -- the truth is, iOS is a blank slate in every sense of the word. Generation after generation, Apple senior vice-president of design, Jony Ive, works to make the iPhone, iPod touch, and iPad more and more about the screen and the content, and less and less about the chrome surrounding it.

For proof of that, look no further than Track 8 by Ender Labs, a music player app for iOS that wraps your onboard iTunes library in the Windows Phone design language and panorama interface. I've always been a huge fan of that look, once and to me always called Metro, but I do find it monotonous painted across an entire operating system. Painted across a single app, however, and it's awesome. And that's exactly what Track 8 does.

Andy Ihnatko made Track 8 his pick of the week a couple of shows ago on MacBreak Weekly and I've playing with it ever since. That's the advantage of an operating system where an overarching design language isn't highly encouraged (or lazily implemented) system wide. Every app can be something entirely new, something decidedly unboring. Whether it's Clear, Letterpress, or in this case? Track 8.

$1.99 - Download now

Nighty Night! HD - Winter Special - Leanna Lofte

Nighty Night! HD - Winter Special is a fun interactive bedtime story for children. It's about a town that's going to bed, except that all the lights at the farmhouse are still on. It's up to the young reader to turn off all the lights and say goodnight to all the animals. Once the lights are turned off, they cannot be turned back on which is great for parents who want to use this book a literal bedtime story because the child cannot prolong it. Once all the lights have been turned out, the narrator has also notices that "you" are still are awake and that's it's time turn off the lights and go to sleep.

I've helped my daughter say goodnight to all the animals these past few nights and she absolutely loves it. She'll even play with the app during the day on her own sometimes, but at bedtime it's something we do together and both have fun doing.

$2.99 - Download Now

Your choice?

Now that we've chosen our favorites for the week, we want to hear yours! Did you pick up a killer app, accessory, or game this week? Let us know in the comments below!