Macquarie Research has conducted an analysis that has shown that the present level of low gasoline price would mean a few extra hundred dollars in the pocket of every customer. If the low cost of gasoline persists over the next few months that would mean more disposable cash for people. With Christmas just round the corner people are already in the mood to shop and the extra cash would help people to buy liberally.
This could mean a whopping $40 billion worth of extra revenue collection this Christmas. However the study assumes that people would be willing to spend the extra money for shopping in keeping with the festivities. However the consumers have now become very much savings oriented and it cannot be assumed that all the extra cash would be spent in celebrations.
The retailers were also reporting slow movement of goods from inventory to the shelves. The sales are now reportedly picking up. From August onwards when the gas price has come down the positive effect has reflected in the RTH. Market analysis has forecasted that further decrease in gas prices will stabilize the situation even more and that would mean good news for retailers and good business for all.
Here is an example of the latest phishing attack. They are using the ‘data URL scheme” for phishing. This site impersonates the google documents and attempts to steal various passwords, email addresses from sites like the yahoo, Gmail, Hotmail and the AOL users.
They use Base64 URLs data and not the plain normal text that could be read easily.. So it becomes difficult to detect the false content by simple firewalls of innocent users.
Phishing sites take advantage of open redirect openings to display these evil data URLs or host through specially tailored domains and protected hosting packages which are bought through dubious channels. Sometimes they also use websites which have been compromised. For protected Vps trail hosting, check out the link and don’t fall for unprotected public hosting.
If there is no direct link between the server and the client, these phishing sites provide an ideal platform. Here they are just used for some malware delivery or cause some social attack.
But how do the phishing sites acquire the victim’s personal information? They use the traditional method of posting the information to a script on a remote web server. Since there is no obvious phishing content which can be understood by an ordinary user, it can be used for any number of data URL attacks. And the phishing continues as long as the posting remains functional.
Here is another example of a phishing attack. This is an impersonated eBay login page. If the victim falls for this attack, his information is transmitted to a PHP script on a web server in Germany.
Google chrome will only display the ‘string data’, if the URL is longer than 100,000 characters. So if the victim is viewing eBay phishing page and tries to copy the URL, his clipboard will only contain the string data and it will be difficult for him to report such attacks.
NETCRAFT Extension and NETCRAFT’s open redirect detection service provides protection against such phishing attacks and will also help the user to identify the website weaknesses and be careful.Read More
An Arizona man got more than he was betting on when he put his iPhone 6 in his pocket. His pants caught fire from the lithium battery damage that occurred when the rickshaw he was riding overturned. He received second-degree burns from the fire in his pants.
The Arizona man said he fell from the rickshaw and his leg began to heat. He wasn’t sure what the heat was until he put his hand into his pocket and threw the iPhone 6 onto the grass. Someone poured a cup of ice on it to stop the fire.
Apple took the phone and replaced it, but the man believes that Apple should place a warning on the phone and allow the public to know about what could happen. Let’s say a child had a bicycle accident, what would happen if they had their phone in their pocket, but were hurting too bad to throw it away from them? The phone could burn through their leg.
While we all have cases to protect our phones, we may have never thought we would have to have a case to protect ourselves from our phones. Dangerous situations could be very real when it comes to the iPhone 6 and other phones that have lithium batteries. If you must use these phones then you should look into getting a case that would protect them from damage. You can buy a cheap iPhone 6 case from this site.
A week later the Arizona man was still recovering from the burns that he had gotten from the iPhone 6, but we still have not heard anything from Apple about the happening. We predict warnings will come out later if people continue to get hurt, but otherwise the technology company may just allow this incident to go by unsung as to not provide any bad press for themselves due to the accident.Read More
Callout Extensions open up new possibilities
Imagine if you can attract customers around the globe by displaying the USP of your product along with your Google ads. This extra information can spice up the user click on your ad which means you as an advertiser can have more people looking up to your ads frequently. This has been made possible now by Google.
Known for their expertise at innovation and productivity, Google has now come up with a new feature for all Google AdWords Advertisers which allows the advertiser to add one extra line of text without any extra charge. The feature which is called Google AdWords Callout Extensions enables the user to add information regarding its offers, features or discounts via an extra line which would appear along their Google ads. The word limit for the callouts is 25 words and the maximum number of callouts you could put along with an ad is 4.
Callout Extensions are nearest to what site links are except for the fact that they come without links. The advertiser can create and manage the callouts through the Ad Extensions Tab at all the three levels which are; Account, Campaign and Ad Group Level.
When you know that an action would replenish conducive results, why not try it out? Creativity stuffed with marketing skills in your callouts could drive your audiences crazy. If you are still not convinced about using them, read the below given reasons. You would definitely want to try it out after reading it.
- Callouts could greatly enhance your Ad Rank factor thus making your ads appear ahead of others.
- You could highlight your unique selling point features via the Callout extension by adding them at any level i.e. the account, campaign, ad group levels.
- Google enables the standardization of content according to the devices in which the ads would appear. Thus, you can optimize your content according to the device in which the ads would be viewed.
- One of the features which would go a long way in saving your time and energy is that you don’t need to edit callouts across all levels by editing specific ads. With one click, all your ads across the three levels get corrected.
- What’s more? You could even customize the dates and the times you want your callouts to appear.
- At the end, you could make a plain comparison with the statistics regarding the number of clicks with and without the callouts.
You would now definitely won’t mind in giving this novel feature by the Google a chance to prove itself. However before you use it for your good, there are certain guidelines which need to be followed in order to make the most from it.
The use of Dynamic Keyword Insertion is not allowed while using the callout extensions. If you are already displaying one of your features on your Google AdWord, then you can’t repeat the same feature in your call out extension. This applies throughout all the three levels. Your extension callouts and AdWord need to be different across the account, campaign and Ad Group levels. Use of sexually explicit words or adult content is not allowed in the callout texts and one cannot use any kind of symbols along with it. Callout text needs to be exclusive words devoid of stirring any controversy.
According to Google, it is best for the advertiser to compose the callout text with maximum 15 characters. Although the upper limit is 25, keeping the callout text simple and to the pint is more useful. Another trick given out by Google is that the users should avoid using Title case and should adopt typing out their callout text in the Sentence case.
As the callout extension is free of charge, it won’t cost you a penny. If at any point you want to discontinue with the extension, you could easily disable it by visiting the callout extension drop down menu. Here you will find options with respect to changing, composing, scheduling and disabling all at one click.
If you don’t earn anything out of it at least you are not missing out also of anything. So go ahead and try out Google’s latest Ad Extension. But never fear, in addition to Google’s latest update, internet marketers can benefit from learning and earning online from http://ungagged.com/ for the true potential of Ad Extensions.Read More
Wells Fargo is well known Multinational American Bank. Basically, it deals with personal, small business as well as commercial banking. It provides various services ranging from insurance, investment and retirement plans and also covers wealth management. It includes wealth solutions and wealth advice and guidance.
Wells Fargo and Company has its headquarters in San Francisco, California. The company has its various sub quarters situated throughout their country and also in other parts of the world. It is the largest bank in the country with maximum value of issued shares.
The present form of Wells Fargo is a because of the merger between San Francisco based Well Fargo and Minneapolis based Norwest Corporation in 1998. It was accompanied by overtaking of Charlotte bas3d Wachovia. After this the company shifted to headquarters in San Francisco.
The new company kept Wells Fargo name and also its trademark which says ‘Together we’ll go far’.
CONTRIBUTION OF STEVE ELLIS
In every milieu there is one person who has the vision for the future. He thinks what not everyone is thinking and it gives him an upper hand. The same was with Steve Ellis. Currently he controls the wholesale services of the bank group.
The turning point in his life came when he attended payments conference in 1999. He heard McNealy about how internet and technology was capable of changing the basics of banking. Inspired from that conference he looked for ways about how banking could be digitalized for the benefit of the customers.
He wanted to make it easy for business where standing in long lines in the banks could be reduced to online transactions. By doing this he made sure that the bank services are not tied on hours of the bankers, instead opportunities should be at the service of the customer.
It would in return save time of the customers and they can put energy into their business rather than just banking. In order to make this thought practical he went beyond normal banking culture.
As a result he came up with different strategies and techniques that help his customers get an easy banking experience. Steve Ellis believed in the new framework of business that was completely built around the needs and demands of customers. Hence, it gave a new direction to his career as well as the company.
EVOLUTION OF THE BANK
All commercial business is done to benefit its customers and banking is no different. To make it easier, Ellis thought of different methods that sets right with customers the business he was dealing. To understand the need of the people, it is important to get an insight of the operating criteria.
To explore the same Wells Fargo came up with a different approach that helped them to understand their customer better.
The first and the best tactics that the company came forwards with was ethnography. Ethnography is a research tool commonly used by anthropologists in research. It is used in various marketing industries. But to banking it was new.
Ellis courageously took the step to employ ethnographic studies in order to know the functioning of the bank. Wells Fargo sent its team members to Stanford University to learn how to conduct ethnographic studies.
The ethnographic took its shape in the following way
- Observing customers while dealing with banking routine.
- Know their problems and devise first hand solutions
- Identify priorities and put them first
- Customer council to know its drawbacks and improvement areas.
This ethnographic visit was scheduled every 30 times in a year. That’s how Wells Fargo changed its focus from just financial solutions to overall priorities of the customers.
Technology is in a constant process of development. It is important to be updated with the current inputs in internet and technology. It gives a clear hand in competition and keeps one ahead its competitors.
It stats within the employees of how one should be motivated to work with a free and open mind. It involves the responsibility on the shoulders of the head to
- Prepare instead of planning
- Improvise situations rather penalizing
- Failure of its people should be expected instead of criticizing
Other technology driven strides that the company followed includes updated software and technology. Technology is intelligent and updated so should be the case of the people dealing with it.
CULTURE OF CHANGE
Culture in any company is subjected to change. But the change must be able to adapt to the new practices and means in respect to the current technological trend. Culture is considered to be a two way sword it can lead to success or pull you down.
In case of Well Fargo, it took the big step to alter its working culture. The employees operated counselling cells and improved upon recommendations by the customers. They did not work in offices instead in open cubicles to encourage discussions and improvements.
This trend they have maintained for a nonstop fourteen years. It has worked in all spheres from technology to personal affairs with customers to make their relation and business better and long-lasting.
Wells Fargo not only does business but is also takes initiative to guard the environment it works around. It believes in a simple notion of sustainable development, and as it does business it also checks the impact it passively leaves in the surrounding environment. It navigates around
- Emphasizing utilization of renewable resources of energy
- Lessen energy consumption
As a result of its affection to environment Wells Fargo has provided numerable loans and assistance for a greener environment. Some investments include
- $21 billion: environmental finance
- For 260 solar projects
- For 34 wind projects
Wells Fargo believes that if the people they are working for do well, they will also come out well in business. In this attempt it gives loans and investments to various environmental projects.
It does not only rank first amongst the banks and the insurance companies but also thirteenth amongst the Green Ranking of the 500 companies in the country.
Wells Fargo is identified by the U.S. Environmental Protection Agency’s Centre for
- Corporate Climate Leadership,
- Carbon Disclosure Project and
- U.S. Green Building Council
In the future Wells Fargo intends keep harmony with technology and updates its security systems. The company is looking forward to make the user interface easier and accessible to all. For this they plan to keep the securities much focussed.
The company also plans to be technologically ahead and updated so that its customers have to juggle less to get basic services. It also plans to collaborate with other companies for software updates to get an easy hand at it.
Not only this, it also aims for a greener business by investing $8 million and donating $100 million to environmental nonprofits in the next decade (2020).
All these unique features make Wells Fargo an exceptional banking company which prioritizes customer satisfaction and therefore improve their business sustainably.