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Wednesday, November 25, 2009



Thongs are the latest new design for women's panties. Thongs are panties designed to offer a totally smooth fit with no detectable panty lines. The no-show thong has become popular with women of all ages. Basically, the thong is a panty with full frontal coverage with a narrow piece of material for back coverage. The average thong ranges from an extremely low rise at 3-1/2" (great for hip hugging fashions) to the high waist thong at a 6" rise. Most range from the sizes of extra small to extra large. Some thongs have nothing more than a g-string for no back coverage. The g-string sometimes consists of lace, pearls, or sequins.Thongs are the latest new design for women's panties.Thongs are the latest new design for women's panties. Thongs are panties designed to offer a totally smooth fit with no detectable panty lines. The no-show thong has become popular with women of all ages. Basically, the thong is a panty with full frontal coverage with a narrow piece of material for back coverage. The average thong ranges from an extremely low rise at 3-1/2" (great for hip hugging fashions) to the high waist thong at a 6" rise. Most range from the sizes of extra small to extra large. Some thongs have nothing more than a g-string for no back coverage. The g-string sometimes consists of lace, pearls, or sequins. Thongs can be found in many different styles, including: extremely low rise, low rise, bikini, hi cut, and waist high. The thong's waistband can be either a string or a wide side panel. Some thongs have flower or butterfly appliques at the back waistband. Other thongs even have cute or sexy words embroidered on the front. Thongs come in different fabrics, including: 100% cotton, cotton and spandex blends, cotton and lycra blends, nylon and spandex microfiber, silk knits, mesh and lace. So, why choose to wear a thong? Many women love the comfortable fit of a thong and the smooth no show look it provides.
Did you find this article useful? For more useful tips and hints, points to ponder and keep in mind, techniques, and insights pertaining to Internet Business, do please browse for more ravi kushwah (Member): What Are URL Channels & How to Organize Them in Google Adsense? 9/19/2009 2:12 AM
How Much Money Can I Make With Google Adsense
How much do you want to make? How hard do you want to work? And how much time do you want to spend working the Google Adsense program? These are the questions you must ask yourself in order to answer that question.

Google Adsense is currently the best way for website designers and owners to generate money online with their websites. Costing nothing to setup, and being able to make money straight away is incredible! Your income will also depend on how much traffic you are generating to your websites pages. Google adsense shows you CTR (Click Through Rate) in your reports section. This shows you the amount of visitors or views compared with how many people click on the links. Play around with the placement of the ads on your site. Consider changing the colors and including them in your navigation system.

URL Channels allow you to view detailed information about the performance of your Adsense for Content pages.
Suppose you have a blog at onlineadvice.blogspot.com and you also have a blog at worldinfosites.com. It might be interesting and profitable to track which one is getting more clicks. Log in to your Adsense account and click on Adsense for Content. Scroll down until you see Channels and click on manages channels. You may need to scroll up when the next page loads. Under Manage URL Channels you would type onlineadvice.blogspot.com and click on Create New Channel. You will immediately see onlineadvice.blogspot.com in the Active URL Channels dialogue box Now type in worldinfosites.com in the same channel text box and again click on Create New Channel. You now have two channels and you will be able to track your progress on each channel. You can view channel reports from the Advanced Report page under the Reports tab. Choose Adsense for Content, choose the date range and then select the Channels Data radio button. Choose any number of active channels by holding down the CTRL key. Next click on Display Report. It’s as easy as that.

As with any other business, with the Google Adsense program, the sky is the limit. Work hard. Work smart. Have fun. A fter all, you’re the boss.

Google AdSense is surely one of the most important


Google AdSense is surely one of the most important services for numerous Internet users because it represents the main online source of
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money. As you surely know, AdSense allows users to earn money with ease by placing Google ads on their websites and every time a visitor clicks on the advert, a certain amount of money is transferred into the account. Because it is extremely important to keep track of the latest news concerning the product, Google developed several ways to communicate with the customers, such as blogs, help manuals, e-mail addresses or feedback forms. Google Groups is also one of the most important sources of information but users can receive answers from both members and Google employees.Personally, I manage to keep track of all these sources of AdSense information using another Google product, Reader. Google Reader allows users to configure feeds and websites to receive news directly into a web based interface, just like a downloadable RSS client. Today, Google's employees presented one more easy method to keep track of all the AdSense news using a simple and a single web interface: Google Calendar. If you subscribe to the AdSense Calendar, you are able to view all the events scheduled by the AdSense team as well as blog posts, news and latest information concerning the product."Have you subscribed to the AdSense Calendar yet? If not, you may find that it's a great way to keep track of things like Inside AdSense blogposts, upcoming site maintenance periods, and publisher events. We've also listed important payment dates each month, so you can remember to update your account before the 15th and quickly determine when to expect your next payment. The easiest way to subscribe is to add the AdSense Calendar to your own Google Calendar -- you'll then be able to see AdSense events alongside your personal events with a click of your mouse," Arlene Lee, AdSense Publisher Support, sustained.If you want to subscribe to the AdSense Calendar, here's what you must do: visit the official page of Google Calendar and log in. In the Calendar menu, placed in the left part of the screen, click on the search box and type "AdSense Calendar". The search engine should return you numerous results, but all you need to do is to click on the Add Calendar button placed near the first result.

Thursday, November 12, 2009

Evidence that consumers are still holding off on


Evidence that consumers are still holding off on spending drove stocks sharply lower Friday, tempering enthusiasm from the day before over the economy's growth in the third quarter. Major stock indexes fell about 1.5 percent in midday trading, including the Dow Jones industrials, which tumbled about 150 points, giving back a chunk of the previous day's 200-point gain. Investors shed stocks after the Labor Department said personal spending fell 0.5 percent in September. Though the decline was in line with forecasts, it was the largest drop in nine months and followed a 1.3 percent jump in August fueled by the government's popular Cash for Clunkers car rebate program. A drop in the mood of consumers was also discouraging. The Reuters/University of Michigan consumer sentiment index fell to 70.6 in October from 73.5 in September. The reading was revised slightly higher from a preliminary estimate of 69.4 earlier this month, and was roughly in line with expectations. The market is paying close attention to indicators of consumer spending, which is still in a slump despite improvements in other parts of the economy such as manufacturing and housing. Spending by consumers makes up a major part of the U.S. economy. The day's news fanned fears that weak spending by consumers will continue to hold the economy back and put a damper on the market's excitement over a 3.5 percent jump in gross domestic product in the third quarter. The stronger-than-expected GDP growth came after four straight quarters of declines and was the most promising evidence yet that the longest recession since the 1930s has ended. Stocks soared following the report, giving the Dow its best one-day performance since July. But many economists worry that much of that growth came from government stimulus measures and that without a rebound in consumer spending the economic recovery won't be sustainable. The Labor Department also reported Friday that personal income, the fuel for future spending, was flat in September compared with the previous month, in line with expectations. A lack of income growth is due, in part, to ongoing high unemployment rates, also a major worry for the market. "Until we get to better employment numbers, it's hard to get real income growth and real spending ... and we're just not there yet," said Kurt Karl, chief US economist at Swiss Re. "Today is a reaction to a little bit of excess exuberance yesterday." The Dow fell 153.57, or 1.5 percent, to 9,809.01. The Standard & Poor's 500 index fell 17.86, or 1.7 percent, to 1,048.25, and the Nasdaq composite index lost 31.46, or 1.5 percent, to 2,066.09. Stocks have fallen for most of the past week on worries about the economy. A stronger dollar, which hurts commodities prices, has also weighed on the market. The dollar rose again Friday, sending commodity prices lower. On the New York Mercantile Exchange, gold prices slipped about $6 to $1,040 an ounce, while oil prices tumbled $1.52 to $78.35 a barrel. Bond prices rose as stocks fell. The yield on the benchmark 10-year Treasury note fell to 3.43 percent from 3.50 percent late Thursday. Friday marks the end of the fiscal year for many mutual funds, which could be adding to the selling pressure in the market. Fund managers looking to minimize taxes for shareholders often sell some of their investments as the fiscal year comes to a close. Analysts say trading is likely to remain volatile in the coming week amid a flood of major economic news, including the Institute of Supply Management's readings on the manufacturing and services industries, sales reports from major retailers and the Labor Department's October employment report -- arguably the month's most important piece of economic data. The Federal Reserve will also convene for a two-day policy meeting beginning Tuesday. Without stronger evidence that the labor market is improving and consumers are feeling more comfortable about spending, investors will have trouble extending the market's massive rally into a ninth month. Even with this week's declines, the S&P 500 index is up about 55 percent since hitting a 12-year low in early March. More than three stocks fell for every one that rose on the New York Stock Exchange, where volume came to 416.7 million shares, compared with 604.1 million at the same time a day earlier. In other trading, the Russell 2000 index of smaller companies Overseas, Japan's Nikkei stock average rose 1.5 percent. In afternoon trading, Britain's FTSE 100 fell 1.6 percent, Germany's DAX index dropped 2.8 percent, and France's CAC-40 declined 2.7 percent

The verbal efforts may not be driving current


Continued job creation may reignite bullish sentiment for the com-dollar helping erase recent losses. However, trade The Canadian dollar fell to its lowest level in nearly a month against the greenback as broader risk aversion and weak growth figures helped erase early October gains. Canadian GDP unexpectedly fell in August by 0.1% disappointing economists who were looking for growth of 0.1%. Oil and gas extraction and, to a lesser extent, manufacturing were the main sources of the decline. The Canadian economy is expected to feed off of the global recovery and government stimulus. Therefore, the surprise contraction will weigh on the outlook for future growth but the lagging indicator’s relevance could diminish if upcoming fundamental readings continue to point toward a sustainable recovery. However, what may be of more concern for currency traders are the central bank’s continued talk of intervention. The verbal efforts may not be driving current weakness but could limit bullish sentiment going forward. Bank of Canada Governor Carney repeated this week that policy makers have “options” to slow the “loonie’s” appreciation, if its strength makes hitting their inflation target of 2.0% prohibitive. Market participants shouldn’t expect any action over the near-term as the Governor would go on to say that "history has shown intervention in and of itself without backing policy moves...seldom is effective over the longer term." The central bank leader recommitted to keep the bank’s key interest rate at 0.25% through June 2010, unless inflation threatens their 2% target. Policy makers would point to greenback weakness as the culprit for the local dollar’s strength and continues to view the current trend as a negative for the Canadian economy. The U.S. is Canada’s main trading partner and demand for exports will continue to be impacted as the exchange rates grows in the “loonie’s” favor. This week’s economic calendar will present additional event risk and further insights into the Canadian economy. Just like the past week we will have to wait till the end of the period with the Ivey PMI on Thursday and the employment report on Friday. Manufacturing activity is forecasted to have slowed to 59.5 from 51.7 but remain in expansion territory for a fifth straight month. Meanwhile, economists are forecasting that the Canadian economy added another 10,000 jobs in October following the unexpected gain of 30,600 the month prior. The surprise job growth sparked a “loonie” rally that would send the USD/CAD to a fresh yearly low of rs must also take into consideration the U.S> NFP report in determining price direction. The USD/CAD found trendline resistance at 1.0836 which could set the pair up for a reversal to start the week. However, a break above the level exposes potential to 1.1100-9/2 high. -JR

Wednesday, November 11, 2009

Wal-Mart store, America’s retailers are preparing for another Black Friday


A year after an unruly crowd trampled a worker to death at a Wal-Mart store, America’s retailers are preparing for another Black Friday, the

blockbuster shopping day after Thanksgiving. Along with offering $300 laptops and $99 navigation devices, stores are planning new safety measures to make sure the festive day does not take another deadly turn. Last year, frenzied shoppers at a Wal-Mart in Valley Stream, NY, trampled Jdimytai Damour, a temporary store employee who died soon afterward. To prevent any repeat, Wal-Mart has sharply changed how it intends to manage the crowds. That new plan, developed by experts who have wrangled throngs at events like the Super Bowl and the Olympics, will affect how customers approach and enter the stores, shop, check out and exit. Each store will have its own customised plan. The hope is for an orderly Black Friday, a seemingly incongruous notion. The most significant change at Wal-Mart is that the majority of its discount stores (as opposed to its Supercenters) will open Thanksgiving morning at 6 am and stay open through Friday evening. Last year, those stores closed on Thanksgiving evening and reopened early Friday morning. By keeping the stores open for 24 hours, Wal-Mart is hoping for a steady flow of shoppers instead of mammoth crowds swelling outside its stores in the wee hours of Friday. In another new twist this year, shoppers at Wal-Mart will not have to sprint toward a pile of flat-screen televisions and scuffle with one another to get one. Rather, customers will be able to enter the store at any time and line up at merchandise displays for the must-have items on their lists. When the products go on sale Friday at 5 am, employees will supervise the lines, giving shoppers the merchandise in the order in which they joined the line—until the goods are out of stock. (Only a small percentage of stores will not be open 24 hours; most Wal-Mart Supercenters are already open 24 hours.) Another problem in the past was the bottleneck at store entrances. Like many big-box retailers, Wal-Mart does not have multiple entrances and exits to spread around customer traffic. So this year it will put workers in front of its stores to direct customers and keep them moving. “We are committed to looking for ways to make our stores even safer for our customers and associates this holiday season,” said David Tovar, a spokesman for Wal-Mart, adding that the retailer was “confident our customers can look forward to a safe and enjoyable shopping experience at Wal-Mart.” Aggressive shoppers are common the day after Thanksgiving. So crowd-control plans, which vary by retailer, are critical. And they are especially important now, given the economy. Newly frugal consumers want more for less, and stores plan to drum up sales with stunning deals. Swiss regulators scaled back plans to curtail banker bonuses, saying their proposals would apply only to the country’s 12 largest banks and

insurers following complaints the rules would harm smaller companies. Bonuses for senior employees at seven banks, including UBS and Credit Suisse Group, and five insurers should be deferred for three years and may be reduced if losses occur after they are awarded, the Swiss Financial Market Supervisory Authority said in a statement on Wednesday. The agency in June had proposed rules targeting hundreds of companies in the country. Regulators around the globe have sought to rein in compensation levels after banker bonuses were blamed for increasing risks that led to the financial crisis. The UK Financial Services Authority set rules for about 26 British banks in August, including provisions on deferred bonuses. “You normally have compensation schemes that go across the board,” said Eric Stupp, a lawyer at Baer & Karrer in Zurich. “You don’t have one for the Swiss bank and one for the securities dealer in the UK and one in New York. These rules may make perfect sense on a stand-alone basis, but the interaction of various rules can create a lot of headaches.” Compensation should be based on the institution’s economic performance, taking into account the costs of related risks, Bern-based Finma said on its Web site. The rules don’t cap pay or bonuses for the 200,000 workers in the Swiss financial industry. Finma limited the scope of its rules after they were criticised by the Swiss banking association for being too broad and too deep. The Swiss regulator said the changes to the final proposal were minor. “Despite many critical reactions,” the rules remain “essentially in line with the consultation draft” issued in June, Finma said in the statement. “However, a few material changes have been made.” The Swiss regulator’s framework will be mandatory only for the 12 companies that are required to hold more than 2 billion Swiss francs ($1.99 billion) in equity capital. The Swiss banking association said that the final version of the rules reflects the group’s major complaints. “Fewer banks have to follow these new rules,” said Thomas Sutter, spokesman for the banking association. “One of our most important criticisms was that the rules differentiate between small and large banks.” Pledges by the leaders of the Group of 20 nations to implement compensation standards that would end excessive risk- taking when they met in Pittsburgh in September haven’t led to uniform proposals. Unlike the Financial Stability Board’s compensation principles, Finma doesn’t specify what proportion of an employee’s reward should be deferred or linked to shares. French finance minister Christine Lagarde has said she’s concerned about the way the US Federal Reserve is addressing the issue of compensation. The three biggest US banks that repaid government money are set to increase bonuses by 60% this year.

Ford Motor Co posted its best October sales and market share in a dozen years


Ford Motor Co posted its best October sales and market share in a dozen years in its main 19 European markets on Wednesday, but warned that

European countries and the EU needed to take further action to bolster auto demand in the region next year. Ford said sales rose 12.8 per cent in October for its main 19 European markets, outstripping a 6.8 per cent gain for the industry overall that has been supported by programs that provide incentives to trade older vehicles for newer cars. The so-called scrappage programs across several European countries are similar to the US government's "cash for clunkers" program that boosted US sales in July and August and are winding down. Automakers are watching closely to see the impact on sales after the programs conclude because of the potential for a steep drop-off in demand. Ford has forecast 2010 industry sales in its main 19 European markets of 13 million to 14.5 million vehicles, or down about 2 million from this year. The automaker's full 2009 sales forecast for the region is 15.7 million vehicles. The automaker, which posted a third-quarter profit of nearly $1 billion that surprised Wall Street analysts last week, said sales rose 12.8 per cent to 121,000 vehicles in October for its main 19 nation European region. Ford's share of the region rose 0.5 percentage points to 8.8 per cent. Ford shares were up 9 cents at $8.33 at midday on the New York Stock Exchange.The ongoing tariff war amongst mobile operators in India over the past three months, which has had a major impact on both the profits and

revenues of the telecoms sector, has resulted in Bharti Airtel being replaced by Indonesia’s Telkomsel as the largest contributor to Singapore Telecommunications’ (SingTel) profits for the first time in atleast eight quarters. These figures were released on Wednesday, a day before SingTel is due to invest Rs 240 crore as part of a Rs 3000 crore three-instalment investment which will see its holding in the Indian company rise by 1.52% over the next 18 months. SingTel is Bharti Airtlel’s single largest shareholder which directly and through holding company Bharti Telecom, holds about 30.5% stake in the company. It was involved in Bharti’s bid to forge a partnership with South African telco MTN and was slated to part fund the deal by investing $3-4 billion in the company, though there is no official confirmation of these figures. Analysts believe Bharti Airtel will remain a top player that contributes to SingTel’s bottomlines. “India is extremely important to SingTel and the proof is that it is increasing its stake in Bharti,” said Jigar Shah, who heads research for the Indian operations of Singapore-based KIM ENG Securities. “The fact the Bharti’s profits may be under pressure for a quarter or two, does not dilute its importance in the SingTel portfolio,” Mr Shah added. The Singapore-based communications major holds significant stake in six telecom companies -- Bharti Airtel, Telkomsel, Thailand's Advanced Info Service, Pakistan's Warid Telecom, the Philippines' Globe Telecom and Pacific Bangladesh Telecom. So far, the Indian operator was the largest contributor to SingTel’s kitty. In addition to being edged out by Telkomsel, Bharti’s contribution to SingTel’s profits has also come down on a sequential basis. For the quarter ended September 09, Bharti’s contribution to the Singtel’s bottom line was S$236 million when compared to S$272 million in the corresponding quarter (June 09). In the same period, Telkomsel’s contribution increased to S$252 in September 09 as against S$245 in June 09. Ironically, Bharti’s share towards SingTel’s profits have come down despite the Indian telco adding twice the number of customers, as that of Telkomsel during the last quarter. At the same time, a fourth of SingTel’s profits for the period-ended September 09 have come from India. Again, on a year-on-year basis, Bharti’s contribution to SingTel’s profits was up by a little over 26%. ‘The fact that Telkomsel has contributed more this quarter has to be seen in context. In the long run, India offers far more growth potential, its market size is far greater than Indonesia and margins here may be much higher. When you look at the relevance of the Indian market, a single quarter’s figures are irrelevant." added Mr Shah.

Robust growth in profits despite modest rise in revenues characterised


September 2009. The analysis of aggregate results of leading 18 pharma companies reveals an 83% Y-o-Y rise in net profit, while net sales grew at a modest rate of 10%. Savings on raw materials, cost management, and absence of forex losses have primarily resulted in doubling of profits over the previous year. This has also led to expansion of operating and net profit margins. The growth in revenues has been lowest ever, as some leading companies like Ranbaxy and Sun Pharma reported flat growth, as their revenues from the US business have been affected due to the regulatory actions by US FDA. The sector has managed to log a robust Y-o-Y performance in terms of profits for the quarter ended September 2009 when compared to the performance in the preceding quarters. However, a disappointing sign is that the aggregate revenue growth of pharma companies has been on a steady decline since past four preceding quarters. Among leading companies, Dr Reddy’s Labs (DRL) and Cipla posted robust jump in earnings. DRL, Sun Pharma and Ranbaxy pleased the Street posting betterthan-expected results. DRL and Ranbaxy have started showing signs of stability. However, in case of Ranbaxy, pending issues with US FDA still keep its future performance uncertain. Among mid-sized companies, Lupin and Cadila Healthcare reported good numbers — continuing the momentum in their earnings growth. Among players in the contract research and manufacturing services business (CRAMS), almost all players reported disappointed results. Jubilant Organsys, the largest CRAMS player, reported flat sales on account of poor performance of its chemical business. Dishman Pharma, Divi’s Laboratories and Piramal Healthcare have witnessed a hit on their revenues on account of poor performance in their CRAMS business. For many companies, subdued growth in revenues from the US has been compensated, to an extent, by growth registered in emerging markets of Eastern Europe , LatAm and CIS countries. Companies like Ranbaxy, Piramal Healthcare and Cipla have also gained from good growth shown by the over-the-counter branded consumer healthcare products in the domestic market. Savings on raw material costs due to high base year effect will vanish from the current quarter onwards. This will remove the extra growth in profits commanded by companies during last few quarters. Going forward, recovery in the business conditions in the US, stance of the US FDA towards compliance related issues and company’s product pipeline are the factors to watch out for. Mr Kanchan notes the argument that premiums will rise due to increase in time remaining for options to expire, owing to higher trading hours, also does not hold water. “Premium pricing is based on number of days, not hours,” he added. A fund manager, who helps manage a derivatives scheme for a private mutual fund, said, “ IVs are not a function of market timing, but factors such as market direction and dollar-rupee movement... Even during sun outage (when market closes at 4:10), there is no jump in IVs.”

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