March 28, 2007
EarthLink targets cellphones with Wi-Fi phone initiative | www.rcrnews.com
Most users select their phone on the basis of feature set not cost.
Just why will Networks connect VoIP calls?
Comdata's Master Brand Strategy Will Be The Defining Moment As A Growth Engine for Ceridian
October 25, 2006
COMDATA TO COMBINE BUSINESS UNITS INTO A SINGLE BRAND | www.cardforum.com
Comdata can grow quickly with its new master brand strategy by building/ leveraging its brand on a foundation based upon Comdata's customer performance, global/ local presence and its personality or customer experience. Doing so will allow for innovative strategies for growth through focus or diversification.
It is to early to tell where Comdata is going with their campaign. To be caught in the middle of focus or diversification can cause for poor results for Comdata, its customers and Ceridian.
Management Buy-Out Likely of RR Donnelley
August 23, 2006
Firms eye takeover of R.R. Donnelley | www.marketwatch.com
This article is merely an announcement. It doesn't address the importance or the upcoming advantages of a management buyout vs. a $3billion share repurchase which is the other option under consideration.
Even though S&P lowered its Outlook rating to negative it maintains its A- score. Despite the recent press it is clear sitting here in Chicago that RR Donnelley will increase its already heavy debt load with a management buyout.
Stockholders should be pleased with the possibility of upcoming stock price appreciation from this potential leveraged buy out.
Longer term investors then are banking on management having more skin in the game of leading the largest printing company here in the US.
We Will See A SIgnificant Upsurge In 401(k) Type Plans
August 21, 2006
Pension reform could create millions of new savers | www.marketwatch.com
What is not mentioned in the article is that underfunded companies from a pension related retirment benefit perspective must now have their plans funded completely within seven years.
Individuals may now be able to boost their pretax savings into IRAs
Employers that have defined contribution plans must now automatically enroll workers into their Profit Sharing 401(k) plans. Employees will also be able to contribute more to savings in this manner.
This all bodes well for mutual fund companies as regulations are now in place to encourage retirement plan savings and the companies necessary to manage income on a mutual fund basis that these plans will have will increase in assets under management.
As the trend continues in big industry we will see more and more companies converting from defined benefit to defined contribution plans of the 401k nature to help push the accountability of savings for retirment back to the individual.
Wachovia Faces Major Operational Challenges In Transforming to A True Commercial Banking Model
July 26, 2006
Mortgage slowdown hits GoldenWest | biz.yahoo.com
Wachovia's acquisition of Golden Wests locations in California will present an operational challenge in transforming from a tradional thrift operation to a true commercial bank.
Wallstreet has discounted Wachovias shares in this regard, but with a solid transition plan and a clear statement of direction in these lucrative locations, Wachovia may pull of this transaction.
The presenting problem is the portfolio of option ARM mortgages that represent the current focus of the Golden West locations.
Realtime Access to Personal Earned Income Will Spark Increase In Consumer Spending
July 19, 2006
Instant Issuance Builds Momentum, Looks to RFID, Prepaid, Credit | www.digitaltransactions.net
The underlying theme of direct access to debit funds through debit card issuance will have an immediate and direct impact the banks that issue such choices.
Consumer spending should see an increase as people or more quickly able to spend.
Consumer lending insitutions should see a corresponding rejuvenation in the health of their balance sheets as debit cards increase and credit card allocations are brought more in line with credit report analyses on an individual basis.
Life Settlement Market Analysis and Impacts
July 5, 2006
Cantor Eyes Life Settlement Exchange | www.iddmagazine.com
A creation of this exchange could impact policyholders in the Life Settlements market, beneficiaries of life insurance policies, financial advisors, insuranceregulators, and the future of the Life Settlements industry.
May 2, 2006
Mobile operators face wi-fi challenge | technology.guardian.co.uk
Fixed Mobile Substition will take place via wireless hotspots on an Ad Hoc basis. Another demonstration of the failure of mobile data services. Slowing of the switch over to 3G and thus increase in the cost base.
Its the brand reather than the technology
May 2, 2006
Sources: Nokia to Unveil New Multimedia Phones Tues. | www.pcmag.com
For the last two years Nokia has lagged behind in the Industrial Design stakes. Thus it is the brand value it has created that has sustained it rather than the cool factor. If the current N and E serries phones do not start to reverse then trend then Nokia will lose its number one status.
Switzerland sues Google over Street View privacy concerns
November 13, 2009
Here Come the Droids! A brief review of Verizon Wireless' new Droid line-up.
November 11, 2009
October 30, 2009
Vodafone Orange Iphone Deal Ends Two Years Exclusivity Of O2 In UK
October 5, 2009
IPhone Coma Mode puts Apple in the ICU
September 19, 2009