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By Jay Yarow, Business Insider
Before Steve Jobs?died he told biographer Walter Isaacson he was, " willing to go thermonuclear war " with Google over Android, "because it's a stolen product."
After the book came out, we asked Isaacson how Apple was waging a "thermonuclear war" with Google. The best Isaacson could tell us was that Apple was filing patent lawsuits. Damaging? Maybe. But, hardly "thermonuclear."
Today, we're getting a much better answer to the question. Apple is at the start of a truly "thermonuclear war" on Google. It's clearer than ever that Apple really is going to attempt to kill Google.
And we're not just talking about Android. Apple is going to try to blow up all of Google.
Google, for all of its ancillary businesses, lives and dies with search. Apple is doing everything it can with iOS to de-emphasize the importance of search, and the web, in its mobile devices.
Here's how:
Apple is getting into the business of local search with its new maps application. Apple teamed up with Yelp, a big rival of Google, to make local listings better in Apple's new maps application. With Apple's maps, users will get great search results for local businesses right in the application from Yelp.
This sort of local searching is very important for Google. If Apple is nuking those searches from Safari on the iPhone, it's one less place for Google to build out its mobile advertising business. It also makes Google search less important.
Apple's search engine is called "Siri." Apple added new tricks to Siri like finding out sports scores and stats. Cute, but not that bad for Google. What is bad is that you can now find a restaurant and make a reservation through Siri. This is a commercial activity that used to flow through Google and the mobile web.
And, if you think Apple is done with Siri, you're nuts. This is how Apple will build its own search engine. Siri might be wonky now, but in the long run it's a threat.
Apple's "passbook" has the potential to be a better version of Google Wallet. Apple and Google are in a battle to own the next generation of payments through mobile. Apple has 400 million iTunes accounts with credit cards. So, it has a good starting point to build something with payments. "Passbook" is a template for companies to build applications for users.
The "passbook" applications are like "loyalty card" programs. It sounds silly, but Starbucks is already doing it. We can load up our Starbucks app with money to spend at Starbucks. Then when we buy a coffee, we just wave our phone at a Starbucks scanner. Now, imagine if we didn't have to load up money. Imagine when the money just pulls from our iTunes account straight to Starbucks.
Also, Apple showed that a Starbucks app could send us notifications about when we're near a Starbucks. Yes, that stupid mobile ad idea could finally be a reality! Starbucks could be pushing us lots of new deals, too. This has the potential to be a big, disruptive opportunity. Google will get nothing from it.
Apple is trying to make the web irrelevant. No company really owns the internet, but if you had to pick one company that comes close, it's Google. Search is the starting point to most usage of the web. Apple is trying to change this with "app banners" for mobile websites.
If you visit Yelp.com on mobile Safari, you'll see a banner ad that says, "We have an iPhone app!" The idea is to get you to use the app, not the mobile web. The more you use the app, the less you use the mobile web. The less you use the mobile web, the less you use Google.
Finally, Apple is teaming up with Google's biggest enemy, Facebook. This doesn't hurt Google quite like the other moves, but it still stings Google. It always sucks when your enemies team up to beat up on you.
Step back and look at everything Apple is doing.
Apple is doing what it can to change the future and cut Google out of our lives. Every big move it makes is to chip away at how we use the internet to find information. Its secondary moves are to open new mobile commerce opportunities for big companies.
If ever there was a company that could really kill Google, it would be Apple.?
The market was less than impressed after Apple made its announcement for some updates including a retina MacBook Pro, a new Mac operating system, among others, with Shaw Wu, Sterne Agee; William Power, Robert W. Baird; Daniel Ernst, Hudson Square Resea...
More from Business Insider:
Here's how to figure out which MacBook to buy
Google is throwing hundreds of scientists at these life-changing research projects
Apple is blowing away PayPal and Amazon in payments with 400M accounts
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Any appraisers of real estate you?re considering hiring should have five years of experience at minimum. Never hire an appraiser recommended by a Realtor. There might be a conflict of interest there. Look for an appraiser with a state license instead.
When the time comes for you to buy property, it is vital to hire a reputable real estate agent. This information can be easily obtained through reviews on the Internet and also from the Better Business Bureau. Good references often come from people you know: friends, co-workers, and family.
Write down all the important questions that you need to ask potential real estate agents. Find out how many properties they sell every year, the average listing time for those homes and whether those homes were located in the same area as yours. They should answer every question professionally.
Look for parking areas near the home you are considering buying. If you don?t have a garage, driveway or street parking, it?s important to inquire about parking your vehicle. Unless you have access to nearby parking, you may find yourself walking quite a ways to your vehicle every morning.
Some banks do not mandate an inspection, but you should get one done anyway. You should know whether there are any serious issues with a prospective house before purchasing it, so hire a professional home inspector. Lots of things can go awry in a home that an untrained eye can?t hope to uncover, so having a home inspector thoroughly assess your home is protection for you and your family.
When you make an offer on a home, consider asking the seller to contribute toward the closing costs or give you some other type of financial incentive. For example, you might request that the seller buy down the rate of interest for a couple of years. Adding financial incentives to offers will make sellers less willing to negotiate selling prices.
A lot of people find out the hard way that purchasing property is harder than they expected. This advice should be utilized well when it?s time to purchase property.
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TOKYO (Reuters) - Japan's securities watchdog flexed its muscles by fining a foreign financial institution for insider trading for the first time, but punishments overall remain modest by global standards, sparking calls for tougher laws to deter a practice that has gone unchecked for years.
Since March, the Securities and Exchange Surveillance Commission (SESC) has sought fines against three investment firms in a total of four cases brought so far in its probe into insider trading ahead of public share offerings, a near endemic problem in Japan.
The latest case, unveiled on Friday, showed a more aggressive side of the SESC. The regulator slapped U.S. broker-dealer First New York Securities with a $185,000 fine, its harshest penalty yet.
But critics say the penalties are still too lax. The first three cases featured very small fines against the asset management firms that traded on inside information and the broker employees that tipped off their clients remained exempt from prosecution under Japanese law.
"We have to consider harsher punishments. The current penalties are way too light," said Shinsuke Amiya, a lawmaker in the ruling Democratic Party and member of a working group formed to look at strengthening insider trading regulations.
Amiya, a former vice chairman of Merrill Lynch in Japan, said he wants to consider rules that would strip offenders of their operating licenses and the establishment of a new fining system to complement to the modest one already in place.
Under an administrative penalty system introduced in 2005, the SESC levied fines of 50,000 yen ($630) and 80,000 yen in two cases against an asset management unit of Sumitomo Mitsui Trust Holdings, and 130,000 yen in a third against Japanese hedge fund Asuka Asset Management.
The fines were tiny because they were based on the estimated commission from investors in those funds and not on the profit made, sparking criticism that they would do nothing to deter insider trading and could even be counterproductive by showing how small the potential punishment is.
Tougher punishments are possible if the SESC escalates cases to criminal charges, but it does this in only a handful of the most egregious cases each year because it requires a higher burden of proof and coordination with public prosecutors.
Michio Matsui, president of online broker Matsui Securities, said he would like to see the industry's self-regulating body, the Japan Securities and Dealers Association, fill that gap with severe punishments of its own.
"The fines we've seen are missing a few zeros. It's not until there are penalties severe enough to threaten the health of the firm that you'll see individuals really weighing the risks of their actions," Matsui said in a recent interview.
BROADER ISSUE
The penalties in Japan appear all the more restrained in contrast to the high-profile cases regularly brought by regulators in Britain and the United States, where offenders can face multi-million dollar fines and incarceration.
The case against former Goldman Sachs board member Rajat Gupta, who has been charged with securities fraud and conspiracy for allegedly leaking information to a hedge fund manager, is one example of how U.S. authorities will go aggressively after the "tipper" even if he did not trade.
By contrast, not one individual has been subjected to official sanction in Japan. That includes staff at Nomura Holdings, which admitted on Friday that its employees leaked information on three of the four cases brought so far.
Individuals in Japan do face consequences: they may find their career prospects stunted or even lose their jobs if implicated in a probe. And the brokers themselves must confront the risk of sanctions from the Financial Services Agency for poor compliance and the loss of mandates on state-run deals.
Timothy Blakely, a Hong Kong-based partner at Morrison & Foerster LLP and an expert on U.S. insider trading laws, says holding individuals accountable with strict legislation is a key component of an effective regulatory regime.
"And I think for those penalties to be effective they have to develop in a way that run to both the tippee, or the person who is trading, and the tipper as well," Blakely said.
Japanese authorities have not been sitting on their hands.
Last year, Japan introduced a rule similar to "Regulation M" in the United States preventing investors from covering a short position taken out after the announcement of a share sale with stock in the offering. This move was aimed in part at hedge funds, viewed as among the worst offenders of shorting on leaks and then closing out their position with new offering stock.
The SESC also showed some flexibility in the First New York Securities case by deeming the trader a "primary recipient" of information, thereby making him subject to sanction, even though he was tipped off by a consulting firm employee acting as a conduit and not directly from the Nomura sales staff.
This addressed an important grey area in Japanese law which in principle renders a "secondary recipient" of inside information immune from punishment, a loophole that had been viewed as one obstacle to catching overseas funds.
But Japanese authorities still have a long way to go to bolster the transparency of the financial markets.
Many foreign investors view insider trading as just one part of a larger structural problem with how capital is raised in Japan. For example, the Asian Corporate Governance Association has been urging Japan to shorten its unusually long public-offering period Of up to 15 calendar days to limit the opportunities for speculative funds to distort the process.
"Changes need to be made swiftly to protect shareholders, with recent equity raisings, as well as insider dealings having dented investor confidence," said Simon Finch, who helps manages a Japan equity fund at Jersey Channel Islands-based Ashburton. ($1 = 79.6150 Japanese yen)
(Additional reporting by Emi Emoto; Editing by Ryan Woo)
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Three years ago, while sipping coffee and watering my plants in my apartment in Damascus, Syria, I turned on my TV and images of the streets of Tehran erupted in my living room.
Iran's movement for freedom, human rights and democracy began with a bang on July 12, 2009. In the subsequent days and weeks, people around the world were riveted in their seats. Soon, it became clear that the mass demonstrations were about far more than fair elections.
Moments like these are both fleeting and eternal. They seem to pass quickly, like a snowflake that hits your skin and is gone, yet the impact they have is beyond measure.
In 2009, the world witnessed the most widespread expression of discontent in Iran since the Islamic Republic was first established in 1979. Now, three years later, extreme, targeted repression has forced Iran's movement into a dormant state. Over 20,000 citizens have been arrested for peaceful dissent. Iran jails more journalists than any other country. Activists and minority groups face threats, arrests and imprisonment. Today, Iran ranks first in per capita executions in the world, and every year since 2009 the numbers have gone up.
"More than 70 percent of activist leaders, from the various student, labor and women's rights movements, are either in jail or in exile. Hundreds of innocent people have been sentenced to draconian prison terms simply for expressing their opinions and beliefs," said Hadi Ghaemi, Executive Director of the International Campaign for Human Rights in Iran.
What Do the Iranian People Want?
Ahmed Medadee was a high school math teacher in Iran. He is now living in California, having fled in 2011 after being arrested twice and formally charged with "disturbing public opinion" by the Iranian government. "People in Iran are suffering from the hopelessness of not achieving their desired results in the short term," he said. "They need hope and spirit. It is important that the Iranian people do not feel isolated in the international community. Perhaps most importantly, the international community should create and find new ways to communicate with Iranian people."
Like Medadee, Roya Boroumand, co-founder of the Abdorrahman Foundation, believes that media reform is a crucial step to help Iran's movement move forward. "If people outside want to help the movement in Iran, they are going to have to look a little deeper," Boroumand said. "For example, the young generation, they are more pragmatic than the last and they don't want violence. Still, I can't tell you what they want, no one knows what Iranians want."
"Until there is a free press, free education, we can't know what's really happening inside Iran," Boroumand continued. "The environment required for Iranian people to think and talk about what they want doesn't exist and hasn't existed. That's one thing we can say that Iranians are fighting for, the freedom to define themselves."
Azadi: Songs of Freedom for Iran
Salome MC is working toward getting a Master's Degree in video and experimental arts in Japan. In the last few years, she has garnered international attention as Iran's first female rapper, with songs such as "Drunk Shah, Drunk Elder" in which she sings:
It's a mistake talking to Iran's Shah about freedom. The king of kings in Iran has a religion of his own. The king is drunk, the elder is drunk, the governor is drunk, the commander is drunk. The king calls himself a Muslim and still spills innocent blood. How can this kind of cruelty be justified in Islam?
Lyrics that are openly critical of Iran's government and religious authorities can constitute a serious risk for a musician living in Iran, but they also have international appeal because of their rawness and honesty. The last time Salome MC returned to Iran for a visit she was interrogated at the airport. "It turned out okay that time but now I know if I go back, I'll go to prison," she said.
Still, Salome continues, even in exile she can help inspire the movement back home and educate her audience. "Whoever watches my videos and listens to my songs learns about what we're struggling with in Iran. I get emails from people all over, the U.S., Canada and Europe that can relate to my music. I can also give hope to people listening in Iran," she said.
She recently contributed a song to a CD compilation called Azadi: Songs of Freedom for Iran, to be released today to honor the June 12 anniversary. Go to azadimusic.bandcamp.com to download the CD for free. Contributing artists include Libyan Masoud Bwisri, who became famous playing his guitar for Libyan rebels on the front lines of the conflict; Rush and MC Amin, rappers providing the soundtrack for the ongoing revolutionary movement in Egypt; and myself, singing a song I wrote for my husband Shane and my friend Josh while I was campaigning for their release from prison in Iran.
"This is the first ever album of its kind released for and about the Iranian uprising. Our hope is that Iranians within the country will hear the messages of solidarity and hope, and that people across the world will be educated and inspired to work in solidarity for human rights in Iran," said Shadi Rahimi, who is leading the project for United for Iran.
"I never thought I'd have to leave Iran," Salome MC reflected, "but even from Japan I can participate in the movement. I've always been opposed to foreigners interfering in Iran and trying to 'free us' but solidarity is different. I hope a lot of Iranians and people all over listen to this CD and think about our struggle."
What Works?
"The arts touch people in the heart. That, more than anything, moves them into action," said Firuzeh Mahmoudi, co-director of United for Iran.
International solidarity needs to grow and adapt as the movement adapts to repression on the ground. Right now, because things are quiet in Iran, people outside who want to help are facing a different kind of challenge than we saw three years ago. What we need right now is decentralized, bottom-up support from all corners of the globe. When the room is really quiet and someone drops a pin, everyone can hear it. Everything we do can have an impact.
"One thing that really captured international attention," said Mr. Hadi Ghaemi, Executive Director of the International Campaign for Human Rights in Iran, "was the stoning case of Sakineh Mohammadi Ashtiani. Many international voices came together: media, governments such as Brazil, civil society and international human rights institutions. As the result the sentenced was never carried out. The protests saved her life."
"International advocacy may not be able to fully reverse the repression on the ground, but one can argue that it has been able to stem the trend of it getting much worse, "continued Mr. Ghaemi, "Without solidarity over the last three years we could have had a much more severe situation."
What's Next?
Though the Iranian government has been somewhat successful in silencing dissent through inhumane, unjust and brutal means, most agree that it can only last so long. "It's like the hot coals hidden under the ashes," Mahmoudi said. "You think the fire is out but it can erupt at any moment."
Of course, no one knows how long that will be. Iran's current movement has been described my some as a "cultural revolution," which by definition is the most difficult, and perhaps impossible, to repress because it is happening on the deepest, most subtle levels of the human psyche.
"The government is fighting it the best they can but there is no fighting it. They can't impose their culture on Iranians anymore," commented Boroumand. "They can jail them, kill them, but the people have changed. Cultures evolve, people are connected to the outside world and they want to live differently."
In the meantime, people around the world today are reflecting on what's happened in Iran over the last three years. Some are showing solidarity when and where they can and many more are simply listening to the silence, waiting for the next pin to drop.
?
Follow Sarah Shourd on Twitter: www.twitter.com/sshourd
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May is National Pet Month, a registered charity that advertises this special month as a time when pet owners celebrate the relationship they have with their beloved pets and recognize the importance of taking exceptional care of their pets health. TheraBreath#174; provides excellent pet care solutions that freshen breath, protect the teeth and maintain gum health in cats and dogs. Get a Free bottle of Dr. Katz for Pets Oral Solution from TheraBreath#174; to honor National Pet Month 2012 (just pay s/h).
(PRWEB) May 29, 2012
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