asterisk2a + payments   42

BBC News on the North South Divide with Tom Hunt - YouTube
multiplier effect of service sector job = 1 or lower. meaning need to access tax credits. //&! Northern Powerhouse dept to close Sheffield office and move 247 jobs to London. - Government business department shuts largest non-London office George Osborne’s ‘northern powerhouse’ policy questioned as branch closure in Sheffield casts doubt on chancellor’s pledge to revitalise English cities - bit.ly/1PDlgSA // also northern councils have to cut deeper than souther because of lower tax base!
Northern  Powerhouse  UK  Scotland  Westminster  London  George  Osborne  Devolution  job  creation  Service  Sector  Jobs  microeconomic  policy  macroeconomic  policy  knowledge  economy  knowledge  worker  transferring-wealth  transfer  payments  income  distribution  income  redistribution  low  income  low  pay  precarious  work  Precariat  part-time  recovery  GFC  Manufacturing  STEM  productivity  output  gap  macroeconomics  microeconomics  nasty  party  Conservative  David  Cameron  Toff  Establishment  post  code  lottery  health  inequality  inequality  Gini  coefficient  social  mobility  income  mobility  wealth  distribution  Privileged  education  policy  apprenticeships  vocational  education  austerity  Council  Public  Services  Services  SNP  Scotland  Bill  Fiscal  Framework  fairness  Generationengerechtigkeit  structural  unemployment  PR  spin  doctor  Positioning 
january 2016 by asterisk2a
The Fed has to deal with its own zombie apocalypse
"However, there are pockets of greater weakness like these zombie companies. These pockets are likely to see some more turbulence than overall conditions. Some companies definitely will go out of business." It isn't just the zombies, though, that should worry about higher rates. Corporate America overall has been piling on the debt, which grew 8.3 percent in the second quarter, according to figures the Fed released Friday. [...] Michael Contopoulos, high-yield strategist at Bank of America Merrill Lynch, said the high-yield space is a mess no matter what the Fed does. Global economic weakness and deteriorating fundamentals are making it increasingly harder for the Fed to underwrite junk debt through a zero funds rate. [...] Earnings for junk companies have been "incredibly weak," [...] "leverage is at all-time highs" while "defaults and downgrades are creeping into the market." [...] the issues with high-yield could be more secular in nature.
zombie  corporations  zombie  consumer  Junk  Bond  Taper  Fed  Fed  mandate  USA  Richard  Koo  interest  payments  bubble  ZIRP  NIRP  QE  unconventional  monetary  policy  unintended  consequences  distortion  unknown  unkown  complexity  QT  2015  China  credit  bubble  BRIC  monetary  policy  monetary  transmission  mechanism  liquidity  trap  liquidity  squeeze  credit  ratings  secular  stagnation  western  world  refinancing  debt  monetisation  debt  monetization  corporate  debt  leverage  margin  trading  reflate  reflation  productivity  UK  Europe  output  gap  competitive  competition  globalization  globalisation  borderless  flat  world  New  Normal  economic  history  trickle-down  economics  marginal  cost  economics  of  abundance 
september 2015 by asterisk2a
Labour leadership races can change fast; interest rates, not so much | Business | The Guardian
The fact of the matter is that, while George Osborne is obsessed with shrinking the size of the public sector and causing hardship and misery, the real crisis in this country concerns not the size of the budget deficit, but the record peacetime balance-of-payments deficit of a whopping 6% of GDP. With this in mind, John Llewellyn and Russell Jones of Llewellyn Consulting have been urging the Bank to encourage the overvalued pound to fall towards more realistic levels, to avoid an almighty sterling crisis when the markets finally wake up to the real crisis in the British economy.
balance  of  payments  2015  budget2015  austerity  output  gap  productivity  household  debt  public  debt  private  debt  consumer  debt  UK  George  Osborne  short-term  Mark  Carney  BOE  ZIRP  QE  NIRP  bond  bubble  current  account  deficit  trade  deficit  structural  deficit  industrial  policy  STEM  Research  Manufacturing  energy  policy  energy  price  renewable  energy  Career  Politicians  No  Representation  fairness  Generationengerechtigkeit  Tories  Conservative  Party  Toff  Establishment  Privileged  asset  bubble  equity  bubble  property  bubble  reflate  reflation  fiscal  stimulus  fiscal  policy  Richard  Koo  debtoverhang  balance  sheet  recession  Software  Is  Eating  The  World  underinvestment  productive  investment  public  investment  business  investment  business  confidence  wage  stagnation  wage  growth  secular  stagnation  deflationary  deflation  competitive  competition  competitiveness  globalization  globalisation  global  trade  added  value  value  creation  corporate  tax  rate  capital  gains  tax  inequality  Gini  coefficient  poverty  trap  child  poverty  social  mobility  income  mobility  disposable  income  discretionary  spending  economic  history  trickle-down  economics  neoliberalism  neoliberal  Privatisation  pound 
september 2015 by asterisk2a
Bank of England: Bitcoin is "Harder Money" than Gold Due to Deflation – Bitcoin Magazine
During a presentation on digital currencies entitled “Old Money, New Money,” Andy Haldane, Chief Economist & the Executive Director of Monetary Analysis and Statistics of the Bank of England and his team stated that “Digital currencies are ‘harder money’ than a gold standard” because “sustained adoption [of bitcoin] would see ongoing deflation.” [...] 2 million UK adults do not have bank accounts and 2.5 billion people in the world have no access to financial services, said Haldane. However, given the estimate that 80% of the world’s population will own a smartphone within 5 years, Haldane believes that many could turn toward digital currency to store their savings. // &! bit.ly/1U0UYMM - Enabling New Internet Applications (no transaction minimum, no transaction fee) // &! W3C toEstablish Online Payment Standards - bit.ly/1Nye7py - Internet pioneers such as Ted Nelson, Marc Andreessen & Berners-Lee himself thought that the Internet should have a built-in framework for micropayments.
Bitcoin  deflationary  deflation  fiat  currency  fiat  money  monetary  policy  Gold  Standard  economic  history  FinTech  underbanked  emerging  market  Developing  World  W3C  micropayment  micropayments  payment  payment-system  payments  PayPal  Braintree  Stripe  Amazon  Google  Google  Wallet  creditcard  oligopoly  oligopol  banking  crisis  banking  fractional  reserve  banking  financial  market  barriers  to  entry  cost  of  entry 
august 2015 by asterisk2a
Where Next for the UK Economy? | 24.02.2015 - YouTube
min 37 BOE owns over 1/3 of outstanding gilts // pattern of global demand ([luxury, vanity, status, brand], [convenience, on-demand,] [software, automation, robots, driving down manual labour cost - corporate/wall street] [connection with your customer] [Data] // GDP growth (national income, profits from corp) outpaced income growth (income from labour). is double // austerity, fiscal policy: to force a surplus of the budget (and current account/balance of payments) over 10 year time frame (2x conservative parliament) without thinking where the demand comes from (income growth thus more disposable income thus consumer &* business demand (more employment), thus higher tax revenue). And only thinking about cutting, is a Career Politician move, sticking 2 his talking points of Plan A. // dont compete w BRIC/Developing/Frontier Market on price (exporting). It's a race to the bottom, it can not work. Thus it has to be Industrial Revolution 2.0 !!! Differentiate. Brand. Being Remarkable.
BOE  QE  ZIRP  NIRP  productivity  income  growth  GDP  distortion  trade  deficit  balance  of  payments  current  account  deficit  economic  history  IMF  Career  Politicians  Industrial  Revolution  2.0  Conservative  Party  David  Cameron  Liberal  Democrats  Nick  Clegg  George  Osborne  globalisation  globalization  borderless  flat  world  Brand  differentiate  differentiation  Software  Is  Eating  The  Mobile  Creatives  Mobile  Creative  Start-Up  lesson  Start-Up  advice  UK  Europe  Germany  USA  China  BRIC  monetary  policy  fiscal  policy  macroeconomic  policy  microeconomic  policy 
may 2015 by asterisk2a
Sure Stripe has more cash, but does it have a path to exit? | PandoDaily
The problem with raising capital at nosebleed valuations is that the number of scenarios under which a positive outcome is possible becomes greatly diminished. By raising at $3.5 billion, Stripe, [... and Investors ...] — are betting that the company can exit at or above $7 billion. That’s a steep price and largely eliminates acquisition as an option. The list of potential acquirers is likely limited to Facebook, Google, Apple, eBay, Amazon, and Alibaba in the tech sector. On the financial side, there are the large banks and credit card companies. But it’s hard to see anyone ponying up $7 billion to acquire Stripe, which has yet to prove that it has a sustainable business or attractive margins. [...] Not every round requires a doubling valuation, and in this case, it may turn out that everyone involved would be better if more modesty was applied. [...] [ Merger of Square & Stripe as worst case scenario? ] [ & IPOs to forget - Box, Groupon, Zynga, HortonWorks ... ]
Venture  Capital  Stripe  Apple  Pay  PayPal  Google  Wallet  Bitcoin  Amazon  Alibaba  Rakuten  Silicon  Valley  growth  round  exitstrategy  exit  strategy  IPO  M&A  business  model  margin  AliPay  Braintree  mobile  first  mobile  homescreen  Platform  network  effect  economies  of  scale  scaling  scale  Venmo  valuation  ycombinator  Unicorn  Square  Wall  Street  mobile  payments  online  payments  creditcard  Visa  Mastercard  payments  micropayments  Start-Up  lesson  Start-Up  advice 
december 2014 by asterisk2a
Boomerang’s Offerwall Launches User Reviewed Virtual Currency Offers
As gaming on social network grows by leaps and bounds, there’s been a proliferation of startups that are helping game developers monetize by offering virtual currency deals in conjunction with advertisers. Offerpal, gWallet, Cherry Deals and others all partner with both developers and advertisers to offer virtual currency deals within games. Today, Boomerang Networks is entering the arena with its newly launched offer platform, Offerwall, which offers users the ability to rate and review virtual currency offers.
payments  payment  payment-system  VirtualCurrency 
march 2010 by asterisk2a
Why I Hate Micropayments - Rita McGrath - Harvard Business Review
It all comes down to how the payment link of customers' consumption chains fits into their total experience. iTunes, Amazon, and the cable companies have figured out how to make the payment experience either seamless (Amazon and its one-click process), transparent (Apple's iTunes — you know exactly what you're getting for your 99 cents) or inescapable if you want to get other things done (cue the phone and cable companies). No micro-payment system I've investigated has achieved either seamlessness, transparency, or inevitability. No standard perceived value has emerged for a piece of web content. And don't even get me started on the need to enter credit card info, passwords, secret codes, and captcha entries before you get anywhere. Micropayments in their current form are an irritating interruption, not something a consumer participates in either gladly or grudgingly.
micropayment  micropayments  tuki  payment  payment-system  payments  paywall  paypal  product 
march 2010 by asterisk2a
Facebook’s Decision To Print Money Out Of Thin Air
To establish fraud team withing FB, is hard work, long, expensive, talent expensive.
>> thus the move to PayPal. They could have gone PayPal much more earlier ...
paypal  payments  facebook  security  businessmodel  google 
february 2010 by asterisk2a
Spotify heads towards TVs, gaming consoles and China
He says the number one online activity there is music and guess what, “no-one buys music in China”.
music  musicindustry  spotify  freemium  china  future  radio  streaming  payments  micropayment 
december 2009 by asterisk2a
Independent musicians set for windfall after YouTube deal | Business | guardian.co.uk
Sharing is caring.
"Some of the world's most iconic artists will now be able to engage with their existing fans and win new ones," said YouTube video partnership director Patrick Walker.
youTube  socialmedia  UGC  revenues  advertising  revenue  sharing  payment  payments  micropayment  micropayments  music  artists  artist  engage  fan  fans 
october 2009 by asterisk2a
Virtual goods sales to hit $1 billion in 2009 as social games pay off big | VentureBeat
Thanks to the astonishing growth of games on social networks such as Facebook and MySpace, the U.S. virtual goods market is poised to clear $1 billion in revenues in 2009, more than doubling from a year earlier, according to a new report.

By 2010, revenues could hit $1.6 billion as users become more comfortable paying for virtual goods in small transactions that are executed in a seamless fashion. But 2009 will be remembered as the year when it all took off, said Justin Smith, founder of Inside Network and co-author of the report.
virtualgoods  ecosystem  payment  payments  micropayments  micropayment 
october 2009 by asterisk2a
Op-Ed Contributor - News You Can Endow - NYTimes.com
Today, we are dangerously close to having a government without newspapers. American newspapers shoulder the burden of considerable indebtedness with little cash on hand, as their profit margins have diminished or disappeared. Readers turn increasingly to the Internet for information — even though the Internet has the potential to be, in the words of the chief executive of Google, Eric Schmidt, “a cesspool” of false information. If Jefferson was right that a well-informed citizenry is the foundation of our democracy, then newspapers must be saved.

Although the problems that the newspaper industry faces are well known, no one has offered a satisfactory solution. But there is an option that might not only save newspapers but also make them stronger: Turn them into nonprofit, endowed institutions — like colleges and universities. Endowments would enhance newspapers’ autonomy while shielding them from the economic forces that are now tearing them down.
non-profit  journalism  newspapers  economics  business  model  businessmodel  payment  payments  micropayment  davidswensen  micropayments 
october 2009 by asterisk2a
Nonprofit Newspapers: Think Tank : The New Yorker
Nonprofit Newspapers

In the foreseeable future, it seems, there will be two kinds of nonprofit newspapers—those which are deliberately so and those which are reluctantly so. Ever since I left the Washington Post, in 2005—after twenty years there that included a stint in management—and particularly since I joined the nonprofit world at the New America Foundation and started learning about the management and fund-raising issues at tax-exempt organizations, I have been mulling over this idea: that only by turning the Post into a nonprofit trust and raising a university-size endowment to support the newsroom could the paper retain the vitality it requires to serve as a successful watchdog over our constitutional system. Now David Swensen, the chief investment officer at Yale, and Michael Schmidt, a financial analyst, have come forward with a similar argument.
journalism  newspapers  nonprofit  non-profit  newspaper  business  model  businessmodel  economy  finance  payment  payments  micropayment  micropayments 
october 2009 by asterisk2a
Why iTunes is not a workable model for the newspaper business « Clay Shirky
Newspapers / News are not a monopoly/oligopoly - is a perfect competitive market.
Where Music with - Sony, EMI, Universal, and Warner. is a oligopoly. // They want the highest price for their good - and get it in fact.
.
>> Thus an iTunes model won't work because of the sheer amount of competitors and the fact that some are willing and do offer free news/content.
.
.
newspaper  newspapers  monopoly  business  model  music  itunes  payment  payments  micropayment  micropayments 
october 2009 by asterisk2a
MediaShift Idea Lab . Non-Profit News Becomes the Flavor of the Month | PBS
There were a lot of interesting thoughts on things news organizations could be doing more efficiently or effectively to increase traffic, engagement, and advertising revenue. But, frankly, there wasn't much that sounded revolutionary or that would move the needle.

There are enough emerging or current non-profit experiments that over the next couple of years we should have a pretty good sense of whether or not this model is relevant and sustainable.

The problem is that if the non-profit model catches on too much, then what little money that exists to support these organizations will be stretched too thin. "One girl selling girl scout cookies is cute," Weiss said. "Two are okay. Three or more is just annoying."
journalism  business  model  blogging  blogosphere  advertisisng  payments  non-profit 
october 2009 by asterisk2a
inLinks - In Content Link Market Place
Located in New York City, inLinks.com is the premier in content static text link ad company. We specialize in placing static html links within high quality, relevant copy. Our publishers have seen a dramatic increase in steady residual income and our advertisers have seen a huge boost in their natural search engine rankings. Our cutting edge strategy is guided by our in house staff consisting of some of the brightest minds in the search space. Contact us with any questions.
monetization  advertising  affiliate  ads  blog  business  blogging  revenue  payments  micropayment 
october 2009 by asterisk2a
Economist introduces pay-wall for archive articles | Media | guardian.co.uk
WSJ - Wall Street Journal
The Times and Sunday Times (all three run by News Corp / Rupert Murdoch)
FT - Financial Times
Economist (both have same shareholder)
-------------------------------------
Who is next with a paywall?
paywall  journalism  newspaper  media  payment  payments  micropayments  micropayment  rupertmurdoch 
october 2009 by asterisk2a
Amazon Announces Mobile Payments Service
service which brings the company's payment processing tools to mobile devices. Called the "Amazon Mobile Payments Service," the technology includes a set of APIs (application programming interfaces) for mobile developers which will allow them to provide payment options to their customers within mobile websites and mobile applications. The new service also allows for integration of Amazon's "1-Click" checkout, the feature that lets customers make purchases using their credit card information stored within their Amazon.com accounts.
payment  micropayment  amazon  mobile  ecommerce  payments  shortcut:payment 
october 2009 by asterisk2a

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