Archive for the ‘research’ Category
things I read yesterday … 06/25/2008
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“regulated deposit-taking institution” means an entity that is supervised or regulated by a Canadian or foreign financial services or banking regulator and is authorized to accept deposits from the public. (institution de dépôt réglementée)
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2002 memo in connection with an assertion that Paypal were illegally conducting banking activity. Result was no action taken.
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certain of PayPal’s services constituted illegal banking activity and that those services should not be provided to New York customers
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things I read yesterday … 06/23/2008
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Yahoo’s Ymail: Don’t really get it » mathewingram.com/work |
Anyone younger than about 30 doesn’t seem interested in having an email address period, let alone caring whether it’s hermanzweibel@rocketmail.com or whatever. My teenaged daughters and their friends never use email anyway — they text message (in which case all you need is a phone number) or they use Facebook messages as a way of communicating. I send them email and they never get it. Do they have email addresses? Yes, and they are a combination of their names, underscores, numbers and nicknames, and so on — and they couldn’t care less.
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Anyone younger than about 30 doesn’t seem interested in having an email address period, let alone caring whether it’s hermanzweibel@rocketmail.com or whatever. My teenaged daughters and their friends never use email anyway — they text message (in which case all you need is a phone number) or they use Facebook messages as a way of communicating. I send them email and they never get it. Do they have email addresses? Yes, and they are a combination of their names, underscores, numbers and nicknames, and so on — and they couldn’t care less.
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Yahoo Memo: The ‘Peanut Butter Manifesto’ – WSJ.com
2006 memo by Brad Garlinghouse re Yahoo being spread too thin
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An internal document by Brad Garlinghouse, a Yahoo senior vice president, says Yahoo is spreading its resources too thinly, like peanut butter on a slice of bread. Full text of the document is below.
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MoneyAisle Blog: A Glossary of Commonly Used Financial Terms (#1 in an Occasional Series)
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Education is one of the primary objectives of this blog. Occasionally we will explore and explain commonly used, and often misunderstood, banking terms. We recommend two resources that help define financial terms: Investor Words and Morgan Stanley.
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Lending Club platform illustration
Process for funding loans at Lending Club. Describes the relationship between lenders, borrowers, LC and Webbnak. Graphic contained in the Lending Club S-1 filing.
things I read yesterday … 06/21/2008
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Form S-1
Lending Club-
Form S-1REGISTRATION
STATEMENTUNDERTHE SECURITIES ACT OF
1933LendingClub
Corporation
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things I read yesterday … 06/20/2008
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FT.com / Columnists / Martin Wolf – How imbalances led to credit crunch and inflation
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Inflation is a sustained rise in the price level: the result of too much money (or purchasing power) chasing too few goods and services. A one-off jump in commodity prices is not inflation. Nor need such a jump cause inflation. But a continuous rise in the relative price of commodities is a symptom of an inflationary process.
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FT.com / Credit bubble – FBI eyes big business in mortgage fraud probe
Federal investigators are homing in on 19 “large corporations” – including investment banks, credit rating agencies, accounting firms and hedge funds – as part of a broad probe into mortgage fraud.
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Federal investigators are homing in on 19 “large corporations” – including investment banks, credit rating agencies, accounting firms and hedge funds – as part of a broad probe into mortgage fraud.
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things I read yesterday … 06/19/2008
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International Banking Systems Journal
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CommunityLend: A borrower and a lender be
Founded on the noblest principles of democracy, community, individual choice and responsibility, social lending may have the potential to do what Amazon has done to book selling. Lawrence Freeborn talks to Colin Henderson, chief technology officer and co-founder of the latest variant on the concept, CommunityLend.
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things I read yesterday … 06/17/2008
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Commonwealth Bank Group – Personal – Viridian Line of Credit – summary
Commonwealth Bank of Australia all in one account
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Putting you in control
Viridian is a convenient, all-in-one transaction account that combines your
home loan, daily spending and savings into one, putting you in control.
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The ‘Australian Mortgage’ mixes savings and debt payment for hard working money – Parry Sound
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In fact, according to the London Free Press, more than 50 per cent of all new mortgages in Australia are opened as a combined chequing, savings and borrowing solution.
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things I read yesterday … 06/16/2008
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2000 story on Commonwealth Bank’s plans for expansion
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The Commonwealth Bank of Australia is preparing an aggressive assault on the UK mortgage market. The bank, which is looking to expand away from its increasingly crowded home market, is in the final stages of plans to launch a range of low-cost mortgages by the end of the year
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Gartner Identifies Top Ten Disruptive Technologies for 2008 to 2012 | eHomeUpgrade
Gartner’s top 10 disruptive technologies 2008-2012:
* Multicore and hybrid processors
* Virtualisation and fabric computing
* Social networks and social software
* Cloud computing and cloud/Web platforms
* Web mashups
* User Interface
* Ubiquitous computing
* Contextual computing
* Augmented reality
* Semantics-
Gartner’s top 10 disruptive technologies 2008-2012:
- Multicore and hybrid processors
- Virtualisation and fabric computing
- Social networks and social software
- Cloud computing and cloud/Web platforms
- Web mashups
- User Interface
- Ubiquitous computing
- Contextual computing
- Augmented reality
- Semantics
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Simplicity Rules » Laws of Simplicity
Macro Linz » The Fantastic Future of FriendFeed
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FriendFeed’s founders have most likely learned yet another lesson from their old employer. Google has set itself up to be the gateway for the bulk of the world’s digital information. There’s a lot of power in that. FriendFeed is setting itself up to be the gateway for our attention. We’ll become extremely reliant on it to do the grunt-work of filtering and alerting us to what’s important to us. It will become a service we can’t live without.
Why Tiny FriendFeed Will Be as Big as Google – Advertising Age – Steve Rubel
“I believe that FriendFeed has the potential to become as big as Google” | Steve Rubel
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My latest fascination is FriendFeed, a site that in one place aggregates your friends’ streams from across different social sites. Right now FriendFeed’s audience is paltry. According to Compete, it has 300,000 active users. Still, I believe that FriendFeed has the potential to become as big as Google.
Others who are vying for the same crown include SocialThing, Facebook and Google itself. -
As an early FriendFeed enthusiast, I find myself increasingly turning to its terrific search engine when I need product and service information. You can give this a try yourself at friendfeed.com/search/advanced.
Bank of America Hits Two Milestones: One Million Mobile and 25 Million Online Users (NetBanker)
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Even more interesting to me was the news that the bank has “nearly 25 million” online banking users. That’s 3 million more than the bank had last fall, an impressive 13% gain. Six years ago, there weren’t even 20 million online banking households in the entire country (see note 1).
RBC Signature No Limit Banking Account: You Could Get a FREE Eee PC – RBC Royal Bank
“Open and RBC Signature No Limit Banking account, and you could get a free Eee PC”
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If you’re looking to surf the net at a coffee shop, upload your latest vacation photos or just to stay in touch with your friends and family, a whole new mobile experience is now at your fingertips.
• Compact design, screen size 7″, only 0.92 kg
• Wireless connectivity
• Over 40 built-in applications
About VRM
VRM, or Vendor Relationship Management, is the reciprocal of CRM or Customer Relationship Management. It provides customers with tools for engaging with vendors in ways that work for both parties.
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About VRM
VRM, or Vendor Relationship Management, is the reciprocal of CRM or Customer Relationship Management. It provides customers with tools for engaging with vendors in ways that work for both parties.
joeandrieu.com » Blog Archive » Answers to a few questions about VRM
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What’s needed for VRM to work ?
We need to work through electronic marketplace issues from customers’ perspectives, with attention to the full power of relationships, finding consistent ways to create new value through the network. For the Standards Committee, that means a public conversation starting with users and requirements. Once that is vetted in an open source manner, we can explore particular implementations. We believe that with a well defined, high quality requirements specification, service providers will emerge to deliver those services.
things I read yesterday … 06/12/2008
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Eric Schmidt in conversation with Ken Auletta | Outside the Lines – CNET News.com
wow … this is the archetype business mission statement!
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The goal of the company is not to monetize everything. Our goal is to change the world. Monetization is a technology to pay for it.
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Google is not different than the success of companies 30 years previously. The difference is it all happened quicker. It all happens in six months, not six years. At Sun we had two-year product roadmaps…at Google we have trouble doing six-month roadmaps.
The compression of time occurs because there are so many more actors. The industrialization of 2 billion players coming online…we have to listen to them.
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things I read yesterday … 06/10/2008
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Steve continues to push to envelope with good thinking on microblogging, and online conversations. FF is built by ex Google folks who built gmail, so they understand well written applications, and scalability.
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“I am largely over Twitter. I feel weird when I post something there instead of here. I get a ton more discussion here.”
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things I read yesterday … 06/05/2008
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Gates’ last act: frees IE 8 and Silverlight second betas | The Register
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Gates noted his company had “a renewed effort to invest in Internet Explorer”.
“We are hard at work on a new version of that: IE 8 – a very creative name we came up with,” he said.
He also talked up Microsoft’s plans for Oslo, which will feature a new modeling language, repository, storage mechanism and way to manipulate models. A Community Technology Preview (CTP) is due this fall. The next edition of Visual Studio, meanwhile, will support the Object Management Group’s Unified Modeling Language (UML).
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