Financial & Economic Blog

NETWORKERS AT CISCO LIVE 2007 - ANAHEIM, Calif., July 26, 2007 - The First American Corporation (NYSE: FAF), America's largest provider of business information, has partnered with Cisco and AT&T in its data center consolidation in order to deliver mortgage, real estate and financial information and services more efficiently. Driven by a growing business focus on globalization and productivity, First American identified the consolidation of its data centers and enhancing collaboration ...

For the past seven to eight years, the company has focused on its mission to become the largest provider of business information. In business since the 1880s, First American is diversifying its approaches, acquisitions, and strategies to become a family of information companies, providing services to the largest banking and mortgage companies in the U.S. and beyond. As part of its enterprise strategy, First ...

FINANCE!!!

In a bid to break the clutter, Centurion Bank of Punjab and Arc Worldwide, the integrated marketing services agency of Leo Burnett, came together for a novel approach to promote the bank’s new branch. The agency used outdoor, direct marketing, activation, ambient, SMS and retail for this initiative at Mumbai’s Marine Drive.

Elaborating more on the initiative, C V S Sharma, Senior VP and Director, Arc Worldwide, said, “Even traditional media was used judiciously to support this unique integrated promotion. At the two points of entry to Marine Drive (JJ flyover and Choupatty) hoardings and banners were put up. Direct mail was sent to select housing localities announcing the treasure hunt. We set up the website www.banknextdoor.co.in, integrated mobile engine and launched the programme.”

With a shoe-string budget of Rs 2 lakh-Rs 3 lakh, about 60 per cent of morning walkers were given the keys and about 30 per cent of these key recipients visited the bank. About 70 per cent people logged on to the website, while 75 per cent sent SMSes. The bank also saw a significant number of new customers walking into the branch, and several of them ended up opening not only the treasure chests, but also an account with the bank.

The decision of the Supreme Court regarding the dispute of money lending case overturned a lower court ruling on July 13, 2007. [1] One of the controversial issues in the case was the completeness of the document that the law demands to deliver to a borrower.

Correctness of contractual document

A money lender has to provide a contractual document which states the terms and condition fully and precisely at the contract, while the minimum elements of the document are described in each law. Moreover, the money lending business law requires a money lender to deliver receipts at every repayment time. The receipt have to be contained the details of allocation of repayment to capital and interest. Certainly, a money lender provides the repayment schedule sheet to a money borrower at the contract. And the document includes the description of allocation of each repayment. But actual repayment plan may be different to the prearranged repayment.

Claim

The money borrower insisted the incompleteness of the contract document and claimed the reimbursement of excessive repayment: although the contract document stated that the details of repayment was subject to the attached sheet, the sheet was not attached; some of the receipts were not complete; therefore the money lender could not claim the application of the law that allowed the money lender to receive legitimately the interest beyond the interest rate restriction Law.

Tokyo Appeal Court

The lower court dismissed the plaintiff claim except the claim that based on the incompleteness of the receipts, because although the money lender neglected attaching the sheet in question to the contractual document, the repayment at each time was described abstractly and the borrower could recognize it.

Top court

The top court overturned the lower court decision and approved the plaintiff claim completely. The ruling stressed the importance of correctness of a contractual document: the aim that the law asked making the contract to be written in document was to make the money lending business legitimate and to prevent the disputes in future.The ruling said that even if the amount of repayment was written in the contract document in general, the description was not always perfect: the amount of final repayment was usually different from the general description, and it was true in this case actually.

Comment

I suppose that the conclusion of the ruling of the top court is correct. However the attitude that the court asked a contract document to be perfect seems too rigid. It is apparent that the final repayment is different from other repayment and borrower can recognize it easily if he even calculates.Actually, the correctness of a contract document is important for a consumer to have right perception. Moreover the courts may found the value in the role of policy of the law: to prevent in future disputes and to make money lending business practice to make suitable and lawful.Our court decisions tend to seek strictly the contract document to be correct and perfect in consumer transaction in other consumer contract field.

---

[1] http://www.courts.go.jp/hanrei/pdf/20070713144224.pdf　

The WSJ certainly has been busy this week talking about social networks and blogs. First there was an article on Twitter which I commented on yesterday. Then there was a great video by Jared Sandberg about Facebook. The topper was the fantastic story that broke yesterday and is all over the press today about the CEO of a certain food services company and his rather interesting practice of posting comments about his firm and his competitors in stock messages boards - anonymously.

Blogging is something that I feel senior managers should be doing regularly. It is a powerful tool to connect with their staff, their stakeholders, and their customers. When I started blogging I asked advise from some smart bloggers I know, and the advice was simple:

(1) Have a point of view, and be comfortable expressing it.  In other words, write about your passion passionately.  Thanks to Susan for her timely post on the subject.

(2) Remember that once you publish it is there forever. Be proud of what you write.

(3) Understand this - only if you are relevant will people actually care.  Don't be afraid to take the first step though...

What was never spoken about but was tacitly understood in this was that I would post USING MY OWN NAME. Don't put unsigned stuff out into the blogosphere!  Don't try to mislead the faithful reader.

Was I naive to think there would not be people trying to use Enterprise 2.0 collaboration tools for personal profits using unethical or at times illegal means? Of course not. People have been doing stupid things for all of recorded time. The benefit of these tools is that they are so public and collaborative in there nature that the risks someone like the poster rahodeb takes increases. Thanks rahodeb for reminding us to remember the simple rules around posting.

This week’s WSJ had an article about Twitter. For those who have not Twittered, this is a micro-blog service. The concept is simplicity in itself – in 140 characters of less, you answer one question, “What are you doing?” Twitter then sends your answer to your friends in one of several ways, but SMS to their cell phones is the most prevalent (the other ways are to your Twitter homepage, to your Facebook page, or to your IM service). You choose who to invite as your friends on Twitter, and they confirm they are your friends (this is common in LinkedIn, Facebook, etc…) for them to see your Twitters and for you to get theirs. Some recent Twits I’ve sent and received include:

Person T = Wondering how the webinar went!

Person S = on a webinar.... having fun

Person S = slogging through technorati stats

Person T = Delivering birthday party invitations

Person M = Considering WSJ article on Twitter

Person M = At office - finally. I was starting to like Austin Airport & circling JFK!

Person C = lost in wal-mart

I have only four friends on Twitter, and all are my co-workers. Now why should I care to know what my friends are doing in this level of detail, especially with my co-workers? Having used this rather addictive tool for a month, I wonder if we should continue Twittering each other? Further, will micro-blogging make any inroads at the major financial houses?

To answer my own questions… Of my four co-workers who are my friends on Twitter, I have never met two of them. We talk constantly, and Twitter even more so. I feel I know them better through this interaction, and I sincerely say our work together is more effective because we are friends. Is Twitter helping this friend grow? In small ways yes… I know when my co-worker in Minnesota is working on BSG Alliance stuff or is working her “side job” of being a mother of four. I see the kinds of things my co-worker in New Jersey is researching, and that stretches my thinking about Enterprise 2.0 and its application in Financial Services firms. I know where in the country my co-worker who nominally lives in Austin is…

I don’t see why we should stop Twittering. I do see some challenges. My NJ co-worker Twittered recently “Yikes! Too many company suits on Twitter!! Changes everything!” This was in response to me (a suit for the record) and my boss (a suit in role, but a “jeans” in practice”) joining her circle of Twitterers. I see Twitter as being useful for small teams of people, especially geographically challenged teams, to keep synchronized. It is painless to micro-blog (I simply IM twitter@twitter.com and poof I’ve Twitted). I wonder if Twittering would be too annoying for large teams or across teams. I wonder if you are working on two teams (or more) should you have multiple Twitter IDs or should your Twittergrams go to all the teams at once. The WSJ address this point and gives one of the benefits of Twitter as being your mother and family can keep up with what you do. I have not tried that one, but I know if I did, I’d create two Twitter accounts – work and home.

So should my friends at the Financial Houses Twitter? Why not? I can’t think of an organization who is not striving to improve communications among teams of people.

I just sent this to Twitter from my cell phone, “On train. Finished blog post on Twitter. Will post when home.”

I have so much I want�to write about but I've been busy working with Podtech.net, working on some interesting projects projects that will appear very soon. The main thing I like about Podtech.net is that we all speak the same language, we don't have to convince each other that we should be doing what we are doing. At other media companies we would be in committees for six months before we made a decision on anything. Podtech.net is full of the most media savvy people I know. Yes, we might still crash and burn but it won't be because we needed to convince each other on where the future is heading... � 3 Years Ago... It was 3 years ago that I left the Financial Times to become a "journalist blogger." I had no idea what I was letting myself in for. My friends Dave Galbraith and Om Malik had always encouraged me to start blogging. But I ignored them, I thought I knew what blogging was about because I wrote all day long--even though I had never blogged. It is the way my colleagues at other newspapers and magazines thought about blogging. (Dave and Om were right and I was clueless.) I took the summer off and then September came around and I realized I had to start "blogging." I looked at a blank screen and realized I really didn't know what I was doing. What is "blogging?" I had no choice but to jump in and start doing it. And it has been an incredible 3 year journey and I'm still learning about blogging. My friends were right--I should have started earlier. And I'm so glad I left the oldstream media to be in the newstream media. During such times it is always better to be on the disruptive side of the equation--even if the business models are still being invented--than on the sharp pointy end of the disruption... Please see: June 25, 2004: Media Guerilla (aka Mike Manuel) from Voce Communications runs the results of an informal poll asking which leading tech journalists would leave for the blogging world first. � Sibling Revelry... Hats off to Connecting Point Communications for their super-fun charity event last week. Don Clark's band played and they were incredibly good. It was good to run into Anastasia Marin, and the wonderful Voce crew, and many other industry contacts. Everyone was having fun and supporting a worthy cause. We should have more of these types of things... � Startups Get Younger... All those people that proclaim that our younger generations are driving us to hell in a hand basket are wrong, dead wrong. Kids today are incredibly media savvy and business savvy, I have full confidence in�their abilities to disregard our nonsense (and clean up after us.) I say this as a father of Sarah, who just turned 13, and Matthew, who is now 19, and seeing them and their friends over many years. For example, the things Matt and his friends are doing on the Internet, the business models they are playing with, is fascinating to see. There is a lot of innovation going on here. Ben Casnocha is a young entrepreneur and now, also a young author. His book "My Start-Up Life"�was recently published. My son Matt has been reading the book and he says it is pretty good, which is a great recommendation because he doesn't hand out compliments as easily as the New York�Times, which said it was pretty good too... � http://www.nytimes.com/2007/06/17/business/yourmoney/17shelf.html Additional Info:
Ben Casnocha
- Author of "My Start-Up Life" (Jossey-Bass, 2007)
- Book web site: http://www.mystartuplife.com
- Buy it on Amazon.com:
http://www.amazon.com/My-Start-Up-Life-Learned-Journey/dp/0787996130/
-Blog: http://ben.casnocha.com � Muckrackers and Master Baiters... I was thrilled this week to be able to meet and hang out with Andrew Keen and Nicholas Carr. They are among the more original thinkers on the Internet and also natural journalists in that they know how to push those buttons, how to get people riled up and thinking. Wednesday they were on a panel in a local Barnes & Noble, along with Steve Gillmor and Keith Teare from Edgio, moderated by Dan Farber. It was an excellent evening and I have it on video (coming soon). (Tim Ferriss, the author of the "The Four Hour Week" was there too, in the audience.�I have a video interview with Tim coming very soon. Tim is an excellent case study in how to use new media to promote a book.) Nick Carr first made a splash with his essay and book�on why IT doesn't matter anymore. And he is right, when every company has installed an ERP system what becomes the distinguishing, competitive characteristic? Andrew Keen is doing very well with his book, "The Cult of the Amateur." It is a critique of Web 2.0 and all things long tail, and the disruption and dissolution of mainstream media. I agree with Mr Keen on many of his points, it is a subject I've been writing about and talking about for several years. I portray the situation in simple terms: What happens if the old media dies before the new media learns to walk? What is the economic model that will support journalism? I disagree with Mr Keen in his thesis that Web 2.0 is destroying the best of mainstream media, New York Times etc. Web 2.0 and blogging does not have a business model. It is search engine marketing that is to blame. You have to follow where the money is going. The simple fact is that It is far more effective to sell products and services next to a search box than next to journalism. I sometimes offer an extreme example: You can sell shampoo next to a search box but not next to a news story about beheadings in Iraq. The sad fact is that the same is true for any news story. Journalism is not very effective at selling products and services. We know this because now we can track such things. The reason Google and Craigs List, etc can sell advertising cheaper, and provide better conversion rates, is that they don't have to pay for the journalism. When I worked at the Financial Times my employer sold advertising to pay for my work, to pay for the journalism. When you don't have that cost , you are way ahead of the game (which is why media companies should not be part of Google AdSense because they have to compete against Google and their production costs are far higher. It is a no win situation.) So what will pay for high quality journalism? It is the most important question that we face as a society, imho... � Panels... I've been taking part on a lot of panels lately. Cisco held an excellent one-day conference on the new media, and I got to talk about media� and how Silicon Valley is turning in "Media Valley."� Dan Scheinman, head of Cisco's Media Solutions Group gave an excellent presentation. He knows where things are heading, it'll be interesting to see if he can persuade the rest of Cisco to head in the right direction. Also, Launchsquad hosted an evening panel with Bill Flitter from Pheedo and myself. It was great to connect with Bill again, he has an intuitive understanding on new media and the new marketing techniques that are emerging. Check out these links. My fellow panelists said many interesting and insightful things about the new media and related matters... Cisco New Media Summit. Cisco's blog: http://blogs.cisco.com/news/ � Launchsquad: http://www.launchsquad.com/blogs/whatsnew/?p=59

 

Sir Alexander Belloc-Brayne reflects on the Challenge of Change and prepares to join a government of all the talents.

Readers who feel the need to respond are invited to scroll to the bottom of the page and attack the Comments button.

June 2007

Stormy weather… Apparently, some Church of England bishops are of the view that the current deluge is God’s judgment on our profligate and decadent society – and that after giving us one of the balmiest Aprils since Creation. The way I see it, He sendeth rain on the just and on the unjust alike, as He has done ever since Noye’s Fludde.

Pardon me if I seem a little distracted, but Lady Belloc-Brayne has chained me to the telephone in readiness for the call to join the government of all the talents. I must say that I was moved by our new PM’s rendition of his school motto (I will try my utmost), which has a nice Boy-Scouts ring to it even if it has been expropriated by the Brownies. Most impressed with Akela's determination to restore New Labour’s reforming zeal as an end in itself. I suppose that the best we can do is to pay our taxes and tell him to “keep the change” at the general election. A promising start, though, to concede that the tax burden has indeed risen – aside from an apparent shift of its incidence onto the working class from the shoulders of private equity partners whose carry interest is taxed as capital gain on business assets (at 10% after two years) on the whim of a former Chancellor whose name escapes me. The way I see it, though, the bosses v cleaners tax paradox could be resolved by retaining and extending the 10% income tax band which is due for abolition next April (at the behest of the same Unknown Chancellor). Good thinking, Belloc-Brayne! That could well turn out to be a perfect defence for any private-equity entrepreneur summoned before the Treasury Select Committee Star Chamber.

Glad to see young Yvette Cooper getting a seat in the Cabinet as Housing Minister – just reward for her deft handling of the Home Information Pack initiative. And very reassuring to have Peter Hain installed as Pensions Secretary – a portfolio normally held briefly on the road to high office rather than en route to political oblivion. I can think of no one better equipped to handle demonstrations against “pensions apartheid” by Financial Assistance Scheme claimants. Delighted, too, that Sir Ronald Cohen has joined the Brown inner circle, presumably as a consultant on “financial exclusion” given his prophecy of popular unrest over the increasingly unequal distribution of wealth – a threat that evidently did not arise during his time in the private equity trade. Her Ladyship says that Damascene conversions in later life are not unprecedented and cites the parable of Baron Joffe of Liddington who became the scourge of the financial services industry after cashing in his chips at Allied Dunbar.

Word is that Mr Brown has placed constitutional change at the top of his agenda – and not before time! Her Ladyship argues that the challenge has been rendered less daunting by the surrender of the bulk of our autonomy at Heiligendamm. The way I see it, though, only one man has noticed that the Reform Treaty is nothing but an amendment to past European accords (and, ergo, unworthy of a referendum) – an insight that has escaped Valerie Giscard d’Estaing, Angela Merkel, Nicolas Sarkozy, Manuel Lobo Antunes, Commissioner Margot Wallström, the European Commission’s own lawyers, Uncle Tom Cobley and all. Well spotted Tony Blair! Give that man a standing ovation!

I do confess that it was pretty exhilarating to watch Mr Blair going at full bore to the very end of his tenure and helping the Magnificent Twenty-Seven to forge a “single legal personality” for the European Union. Clever of Mr Sarkozy to airbrush the commitment to “free, undistorted competition” out of the Reform Treaty text, thereby expunging the central argument in favour of our Common Market entry in 1975. By the way, I must have missed the announcement that Malta and Cyprus will enter the euro regime on 1 April 2008. I wonder if anyone has told their nationals yet.

Lady Belloc-Brayne is up in arms at Mr Blair’s paltry early-retirement settlement of £300,000 in cash and kind. Her Ladyship points out that Parliament paid £40,000 to settle the debts of Pitt the Younger upon his death in 1806 (worth nigh on £2.5m in today’s wonga), although my impression is that “Honest Billy” was better known for fighting off the French than embracing their knavish tricks. Mind you, a spot of moonlighting in the Middle East should bring in a few quid and reassure us that our 49 vetoes were not ceded in vain at Heiligendamm. There is also some talk of conversion to Catholicism and of a role as Unifier of all Faiths on a global scale. Strictly entre nous, I should love to have been a fly on the confessional wall, on the prospect of a rather more candid Sacrament of Penance than that overseen by Lord Hutton.

Speaking of confessions, I trust that Mr Blair will declare (unto HMRC) other fringe earnings such as the estimated £500,000 advance for the memoirs and the odd $150,000 for the occasional speech on the American lecture circuit. I have written to HMRC inquiring whether one is liable for tax on rent-free occupancy of Chequers while one waits for one’s Connaught Square residence to be made ready. Of course, some allowance should be made for the fact that the Blairs have clearly been caught on the hop apropos their tenancy at No.10, having given notice to quit only three years ago.

While on the subject of fair remuneration, I am delighted with the first proposals to emerge from the FSA’s Retail Distribution Review which is grappling with the curse of “remuneration driven” sales, though I am momentarily at loss to identify any other relevant “driver”. Apparently, salvation lies in the new professional financial planning & advisory and primary intermediary classes – the former fee-remunerated and the latter dealing in simple financial products. I note that the definition of “fees” includes “some payments that are currently treated as commissions” and that the set of “simple” products may contain those with “complex constructions”. Clarity at last! By the way, congratulations to HBOS for reaping the just rewards of its Treating Customers Fairly ethos, which has wiped £1.5bn off its market value. Word is that its unification of mortgage terms offered to new and existing borrowers has halved its share of the market for new homeloans in under a year. He sendeth rain etc…

Lifting mine eyes unto the commanding heights of the economy, there are signs that Mervyn King may decamp to the IMF after being outvoted on the level of interest rates last month. Were I Governor of the Bank of England (which thank the Lord I’m not, Sir!), I should not be inclined to hang around for the ordure to enter the air-conditioning system, especially after the meltdown of the two aptly named Bear Stearns “High Grade” structured credit hedge funds that threatens an economic depression of 1930s calibre – surely the final revenge of the sub-prime office-cleaning class upon the well-to-do. In any case, monetary policy is clearly not what it used to be. Time was when a central bank could reign in the money supply by raising interest rates. These days, the very opposite seems to be the natural outcome, as they are discovering in New Zealand where the economy is as liquid as a summer’s day in Sheffield or Hull – courtesy of Japanese Uridashi foreign currency bondholders who perversely favour an alien base rate of 8% over an indigenous one of 0.5%. Brave move by the NZ central bank to flood the forex market with dollars to curb the 10%-of-GDP trade deficit and reverse the 31% surge in the NZD/yen exchange rate – and as credible as King Cnut’s command over the tide. Perhaps they should try the haka next time.

Must rush. Lady Belloc-Brayne insists that I familiarise myself with the new Smokefree Law that takes effect on 1 July – all on account of Nurse who demands ozone or compensation in lieu (preferably the latter). Nil desperandum! I am sure that I can mount a convincing defence with the aid of the helpful flowchart on page 23 of HM Government’s manual (Concise Edition).

 

The field of Audio-Visual obviously overelaps Film, Animation, and Computers, so there will be duplication of sites in the various Databases below. Hopefully at some point they will be better categorised, but until they are, they just act as pointers for those interested.

AV Books
AV books
AV Publishers
AV Publications

AV Journals
AV journals
AV magazines
AV ezines
AV Guides
AV Reports
AV Library Catalogues
AV References
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AV Editing Tools
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Input and Output devices
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Light pens
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Also check Cartoons*, Audio-Visual*, and Multi AV*

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