Metropolis Opinion

Part One, Company Overview

Microsoft Corporation, incorporated in 1981, develops, manufactures, licenses and supports a range of software products for computing devices. The Company’s software products include operating systems for servers, personal computers (PCs) and intelligent devices, server applications for distributed computing environments, information worker productivity applications, business solution applications, high-performance computing applications and software development tools. It provides consulting and product support services, and trains and certifies computer system integrators and developers. Microsoft Corporation sells the Xbox 360 video game console and games, the Zune digital music and entertainment device, PC games, and peripherals. Online offerings and information are delivered through its Windows Live, Office Live, and MSN portals and channels. The Company enables the delivery of online advertising through its adCenter platform. The Company has five segments: Client, Server and Tools, the Online Services Business, the Microsoft Business Division, and the Entertainment and Devices Division.

In June 2008, the Company announced the acquisition of Navic Networks, a provider of television advertising solutions. Navic will join Microsoft’s Advertiser and Publisher Solutions (APS) Group. In April 2008, the Company completed the acquisition of Danger, Inc. and Fast Search & Transfer ASA. In December 2007, the Company acquired Multimap, a provider of online mapping services. Multimap will operate as a wholly owned subsidiary of the Company, as part of the Virtual Earth and Search teams in the Online Services Business. In August 2007, the Company acquired aQuantive Inc. Full Article »

As largest software providers, Microsoft still move forward to enter online advertising and search engine. Yahoo rejected previously bid, so as we read today on reuters.com, Microsoft and Icahn make new bid and new proposal for Yahoo, include $9 billion for cash, $2.3 billion for annual revenue share for five years.

Previously Yahoo rejected a $47.5 billion takeover offer by Microsoft, and earlier this week questioned whether the software maker was ever serious about a full-scale merger. However, Yahoo remains open to discussing any proposal from Microsoft, the paper said.

To prepare new proposal, Microsoft looks new partner (ally) in biding Yahoo because of some reasons, mainly for easy funding. But Microsoft wanted an exclusive, 10-year search ad partnership with Yahoo and was willing to guarantee revenue for only three of those 10 years, a source told Reuters at that time. Full Article »

Welcome to the Reuters Before the Bell news mail.

Megamergers and soothing congressional testimony from the likes of Fed chief Ben Bernanke don’t come along every day, as Wall Street is painfully aware. Stock futures are pointing down as the glow from yesterday’s news fades and the focus returns to the latest installment of the credit crisis.

The New York Times says that if problems at Fannie Mae and Freddie Mac get worse, the U.S. government might take over the mortgage financiers in a plan that would leave shareholders with nothing.

And earlier today, oil hit another record high - $145.98 a barrel - on worries over supply disruptions from Iran and Nigeria, as well as the threat of a strike in Brazil next week.

General Electric’s reassuring quarterly results, which might have moved the market higher on another day, failed to penetrate the overall gloom, although they did boost the company’s stock.

The dollar is steady against an index of major currencies. U.S. Treasuries are mixed.

Two more chemical companies are looking to tie the knot. Ashland is buying Hercules in a cash-and-stock deal valued at $2.6 billion.

Several pieces of data are on the way, including the international trade deficit and import-export prices.

There will also be a report on consumer sentiment. It may not be all that bad, given that people are lining up for the new version of Apple’s iPhone, which is going on sale today.

Until Monday,

Lisa Von Ahn

News Mail Editor

Taken from the source : Reuters Before the Bell

Does my online Account Safe?

Maybe my experience also works on you. My privacies are online now. I have used my Credit Card, my PayPal and my Debit Card for online transactions. I know much that my privacies aren’t safe there, but like or dislike I have to do it. I guess my passwords are unique and nobody will spent thousand time to unlock my accounts.

One a time (some couple months ago), I had lost one of my Debit Card. Next day I found that my money was gone. Someone else duplicated my name and privacy. Why the store wasn’t declined the transactions? The store is clear on the court, so there is no reason for store to accept any Machine Payment.
When I heard about the powerful LifeLock, an American powerful prevention program, I was jealous. Why the prevention program isn’t available in my country. If I was there, I can make sure that my Life Locked. I have posted many articles about great LifeLock, how it works to our privacies and online account. When somebody out there, use your privacy for online transaction or local transaction, LifeLock send you a signal, by phone, alert and email, to ask your permission, accept or deny the transaction.

If I am LifeLock Client, bad experience couldn’t happen on me, because LifeLock will sends me last password request. But it’s ok now! I used LifeLock tips and tricks how to avoid account thief or identity thief; regularly delete cookies on your PC or Notebook to prevent if your PC and Notebook lost someday, and regularly update and replace old password with new one.
I also read about the client stories at LifeLock reviews, that identity thief frequency are happened days. The clients also have different cases with LifeLock and the good news is LifeLock has successful run its job.

These days, Life Lock has become favorite American prevention program and guarantee up to $1.000.000 USD. Cheaper price is given for new client if you use LifeLock promotional code RD32.

Non-profit debt consolidation site; eliminatedebt.org puts a great article in their site. Most adult in the city with middle income above have many credit card in their wallet. They were charmed by beautiful girls who offering new credit card with low interest rate, easy approval application and others easy requirements applications.

The problem then rises later, when they have worst financial management. If monthly payment of their credit card is less than 20 percent from total income (consumption is constant), it is ok, doesn’t matter. But for them who have monthly credit payment is higher than 40 percent, they are in dragon mouth.

As well as Credit card, large loans and many types of loans also risk when we have no good financial plan. You have loans for new house, loans for your kids’ school, loans for new car, it doesn’t matter if you have large income and the percentage is less than 20 percent from your total monthly income, but those loans are in danger if you are fired or loss from job or external factor (interest rate, macro indicators) and bad financial planning.

Actually we want cash from any purchasing or buying products. I will proud if buy a luxury and expensive car cash. I also wish establish a business with my own money, but I can’t. We have loans as well as we need air to breath or water to drink.
For people who decide to consolidate their loans and even to eliminate their debts; that is good news. Don’t make your loans hang your neck. You need debt help to handle your loans. Debt consolidation and eliminate debt programs have the same goal, make your loans free. Replace to one loans, you can avoid large monthly payment.

With debt help programs you get benefits consist of debt solution, avoid you bad credit label (avoid your bad integrity), and restore all of your loans and credits. Debt eliminate program has clear target, erase your obligation and make your life fresh, sleep well without thinking how to get money for monthly paying.

To end my share information for metropolis people who live in credits and loans cycle and have problems in deadline payment, do not worry! Non-Profit Debt Consolidation Programs, Eliminate Programs and Debt Help programs are close to you and do help you. Get their help.

Now, Recession has been attacked and this virus also spread around the world. Subprime Mortgages, and now effect to all of our lives. Today Newspaper informed us about job losses in America because of crisis. Many Employers become unemployment now and we also see that real money for consumption (read: money for transaction) also decline.

Banks, after Subprime Mortgages Bombs, become more secure to accept new borrowers. High on Credit interest rate, Capable to payback and High on Risk are some indicators why Banks refuses new loans or credits.

Now, If you have middle salary (middle job level), it means you are in red line. Susceptible down to poor is very potential. High price on gasoline, inflation make your real money down. So, you have to arrange your management, monthly financial planning and others.

Payday Loans is one of the last resort if our financial plan showed loss profit (negative profit), no saving. Loans have already been our basic needs. Richest are also in Loans cycle.

Banks after Subprime Mortgages and credit problems increase their standard collateral and others criterion for accepting our applications.

This is great information for people (you) who looking for loans for their financial problem or to increase their reserve money. Maybe you also need money in hurry for your children need such school, or insurance.

With having State Licensed Cash Advances, and operate in All states in America, PaydayOne is the reliable Loan Company for you to get fresh money.

If we talk about the benefits, Both the lender and us get benefits, for us especially; we will get fair interest rate, for our application process, we are in the save place because online website has LLS Security, apply from anywhere on 24 hours a day and the good news in no credit report require. If you have low credit report, it is not working if you get fresh money through PaydayOne.

Based on the true review costumer stories, PaydayOne isn’t only a lender, which giving us money and then waiting for re-payment from us. Unlike any others lenders, PaydayOne, besides giving us money, they also give us assistance, financial tips who to escape from poor financial planning.

We want live without loans, but we do nothing; only one we can do is to eliminate our financial problem. The impact is loans are also downed.