LONDON (AP):Less than 24 hours before the global football spotlight falls on Leicester in their bid to win the top tier for the first time, Newcastle came out best in the scrapping at the other end of the English Premier League yesterday.The Magpies moved out of the drop zone for the first time since February after midfielder Andros Townsend’s superb free kick gave Newcastle a 1-0 win over Crystal Palace.”The victory means a lot. It gives us momentum, confidence and a connection with the fans,” said Newcastle manager Rafa Benitez.Sunderland again had to rely on its top scorer Jermain Defoe, with the striker grabbing a last-minute equaliser from the penalty spot in a 1-1 draw against Stoke, who took the lead through striker Marko Arnautovic.”Where would we be without Jermain Defoe?” said Sunderland manager Sam Allardyce before answering his own question. “Relegated probably.”Despite drawing, Sunderland dropped into the relegation zone, one point behind 17th-place Newcastle and one point ahead of 19th-place Norwich, who lost 1-0 at Arsenal after Danny Welbeck’s goal in the 59th.”The last thing you can do down in the dogfight is feel sorry for yourselves,” said Norwich manager Alex Neil. “We didn’t get what we deserved.”Both Sunderland and Norwich have three games left while Newcastle have two.At the top, leaders Leicester can win the title by beating Manchester United today.
SANTA CLARA — Wide receiver Marquise Goodwin’s and cornerback Jimmie Ward’s leg injuries will sideline them today when the 49ers host the Arizona Cardinals, but all starting offensive linemen, running back Matt Breida and cornerback Richard Sherman are cleared to play.Breida, the NFL’s leader at 7.6 yards per carry, is playing through shoulder and knee issues while Sherman returns from a 1 1/2-game absence caused by a calf strain.Left tackle Joe Staley, right tackle Mike McGlinchey, center …
South Africa’s financial services sector, backed by a sound regulatory and legal framework, is sophisticated, boasting dozens of domestic and foreign institutions providing a full range of services – commercial, retail and merchant banking, mortgage lending, insurance and investment.The Reserve Bank has a significant degree of autonomy in terms of South Africa’s Constitution. (Image: SARB, via Flickr)Brand South Africa reporterThe banking systemThe South African banking system is well developed and effectively regulated, comprising a central bank – the South African Reserve Bank – as well as a few large, financially strong banks and investment institutions, and a number of smaller banks.Many foreign banks and investment institutions have operations in South Africa.Investment and merchant banking remains the most competitive front in the industry, while the country’s “big five” banks – Absa, FNB, Standard Bank, Nedbank and newcomer Capitec – dominate the retail market.Read more: Banks and exchange in South AfricaLegislation and regulationLegislation governing the financial sector is primarily the Banks Act 1990 and the Mutual Banks Act 1993, which serve the achievement of a sound, efficient banking system in the interest of the depositors of banks and the economy as a whole.Download a copy of the Banks Act, 1990 [PDF]An office headed by the Registrar of Banks, operating as part of the Reserve Bank, is responsible for registering institutions as banks or mutual banks as well as enforcing all the requirements of the Acts.Read more: South African Reserve Bank or go to the Reserve Bank’s websiteThe non-banking sector is overseen by the Financial Services Board (FSB). An independent body, it is responsible for the regulation of financial markets and institutions, including insurers, fund managers and brokering operations.A massive banking call centre in Johannesburg. (Image: Brand South Africa)The National Credit Regulator is responsible for regulating the South African credit industry, including the registration of credit providers, credit bureaux and debt counsellors. It is responsible for enforcing compliance with the National Credit Act, and is focused on developing an accessible credit market to meet and promote the needs of people who are marginalised, especially economically.The Banking Association of South Africa is an industry body representing all registered banks in South Africa. It is the mandated representative of the sector, and represents the industry through lobbying, engagement with stakeholders and political influence.The Johannesburg Stock ExchangeThe JSE Limited is the 17th largest exchange in the world by market capitalisation, which is at more than R6- trillion.With about 400 listed companies and 907 securities (JSE, November 2012), South Africa’s exchange is Africa’s largest and is bigger than Moscow’s and Singapore’s.The Johannesburg Stock Exchange is opened by the sounding of African instruments including marimba and kudu horn. (Image: UN Women)World-class systems allow the JSE to offer leading technology, surveillance and settlement on a T+5 basis. In 2012, it was ranked as number one in the world for the third time in terms of securities regulation by the World Economic Forum.The JSE is an essential cog in the functioning of South Africa’s economy, and is the market of choice for local and international investors looking to gain exposure to the leading capital markets in the country as well as the broader African continent.In October 2011, South Africa’s JSE Top40 Index joined Brazil’s Bovespa Index, Russia’s Micex Index, the BSE India Sensitive Index, Hong Kong’s Hang Seng Index, the Hang Seng China Enterprises Index to form the BRICS Exchanges Alliance. Trading began in March 2012.Read more: BRICS stock exchanges form alliance and Invest in South Africa via the JSEWould you like to use this article in your publication or on your website? See Using Brand South Africa material.
Share Facebook Twitter Google + LinkedIn Pinterest Jevon Rockwell, Erie CountyWe have about 300 acres of corn and 100 acres of beans in. We started on April 20 with corn and the 21st with beans. It is actually a little wet and the soil temperature is still pretty cold, which is why we have held off on planting progress.It was a really mild winter. It seems like our sandy soils are really holding the moisture this spring. Our heavier black ground seems to have dried off better. The sand always stays colder too.The soil conditions are pretty good considering the rain and snow we had three weeks ago. My brother and I are fourth generation and we work with our dad. We raise corn, soybeans and wheat. We have backed off on wheat and have about 250 acres this year. We don’t bale the straw and inter-seed our wheat with soybeans. It makes a nice rotation. We plant the beans right around the end of May and there have been times when those beans have yielded the same as our other beans. We plant beans in 15-inch rows and put the wheat in 15-inch rows with a Great Plains drill. We have tried short-season beans and found that a fuller season works better. We have been doing that for eight or 10 years and it is really a timing factor to get it right.We are 95% conventional tillage. Last fall we did a lot of deep tillage and needed to get the ground worked up. It helps get the ground warmed up and dried out a little earlier. Our sand always stays wet and cold and tillage helps with the insects too.For the rest of this week’s reports, click here.
A Passivhaus retrofitTheir approach is a deep energy retrofit under the guidance of Tim Eian, a certified Passive House consultant. In fact, they hope to make the house the first one in the United States to be certified under EnerPHit standards, written specifically for existing homes.Like Passive House standards for new buildings, the EnerPHit rules for retrofits call for extremely low energy consumption and air infiltration.Their blog, The MinnePHit House, is the story of how the house is being transformed.It’s a well-organized site that’s attractive and easy to navigate. That may be because Paul’s day job is in software, giving him better-than-average computer and Web skills.One unusual element of the project is the involvement of corporate sponsors. Paul and Desirée have found a way to get a number of companies to chip in services, products, or both. “The MinnePHit House provides significant marketing opportunities for suppliers of building materials, finishes, mechanical systems, renewable energy systems, and professional design and analysis service providers,” the blog says. The couple has even put together a “sponsorship brochure” with more details.The blog was launched in May, so the project is still relatively young. Some entries are written by Paul, others by Desirée; background information is unsigned.Here are some excerpts: Day 9: Salvage Failure“Today was supposed to be the day we would pull up the hardwood floor in what we call the ‘old addition.’ I’ve read a fair amount about how to go about this process, but everything went off the rails as soon as we applied theory to practice. But first the theory: the plank is held in two ways, as tongue and groove into adjoining wood planks, and via nails that are hammered into the side of the plank. The goal is to lift the individual planks of flooring up so that the nails are lifted out of the floor as they separate from neighboring planks. As usual, the reality was much messier. — Paul” Paul and Desirée have three young daughters, two dogs, a flock of chickens and a 1935 house in Minneapolis that needs a ton of work.Although the house was extensively updated in the 1990s, the 1400-sq.-ft. structure still has a host of problems: an under-insulated attic, single-pane windows, thin exterior walls, an awkward layout, aging interior finishes, and an air handler located in the unconditioned attic.Why not sell the place and start over again somewhere else? Good question, but as they explain in their blog, they liked their neighborhood far too much to leave. Instead, they decided to address the long list of deficiencies in the house at the same time they expanded it. On finding a builder“We were encouraged that while the builders we spoke to had plenty of questions, nothing that was proposed in the plans was difficult to wrap their heads around once it was explained to them. This is good, as there’s really no such thing as a Passivhaus builder in the United States. What we’re doing needs to be easily understood and accessible to the people who do the construction.“At this point we’re seriously considering handling a significant portion of the GC work ourselves. There’s a variety of reasons for that, and not all financial. We have a trusted network of subcontractors that we know personally that we’d use in any case, and we’re very ‘high touch’ on our projects.“Obviously there are things we don’t have much skill with, and in those cases we’ll use consulting from our builders to bridge the gap. Once we get our bids and complete our projected budget we’ll know more. — Paul” The pros and cons of moving“I swore that when we moved into our house and were settled, there would be at least a few decades before our next move. These last few weeks, packing box after box as our house continues to heat up, I think about that statement. My thoughts go one of two ways. At times, I repeat to myself, ‘I swore I would never move again,’ followed by a few curse words as I’m lugging yet another heavy box of books to the garage.“Then there are days like yesterday. I believe the temperature yesterday reached over 90 degrees and our air conditioner struggled all day to keep up. At best, the temperature inside got down to 78 degrees and the AC ran ALL DAY LONG. On these types of days, as I’m still packing boxes, a different mood sets in. When all of the daily mess and current chaos is put aside, I’m really looking forward to living in our new house. It’s not just the added space, which will be a huge improvement! I’m looking forward to living in a comfortable home. — Desirée” What EnerPHit really means“An EnerPHit home will be 4-6 times more energy efficient than a conventionally built new home. Because the standard is for existing housing stock, it’s entirely possible that a remodeled home will perform at 10X its previous efficiency.“Why not just remodel to PassivHaus standards? Part of the problem is that older construction is full of interesting choices that simply cannot be made energy efficient without tremendous cost (we’re facing that right now with our chimney). The other part of the problem is siting. Houses are very rarely built with solar facing in mind, and if you live in the city, your house is often shaded at least part of the year by neighboring buildings and trees. Without that sunshine to act as your primary heating system, the amount of insulation required becomes prohibitive.“But really, the idea is to give an existing structure a new, more efficient life. In our case, it means that despite the fact that we’ll be almost doubling the usable square footage of our home, it will need about 30% of our current energy consumption. Or, put another way, our entire remodeled home will use about the same amount of energy to heat and cool as our living room currently does.” Door — Found!“As I was perusing the copious antiques and whatnot at Hunt and Gather, I came across the perfect door. I realize that in its current state, it leaves a bit to be desired. Yes, it’s coated with old, cracking, peeling lead paint. But the bones of this door are nothing less than romantic. The oval glass, the cute small sill and the tied boughs make my mind wander. How many people have gazed out of this glass? What were they waiting for? How many goodbyes were said in the very door frame where this one hung? So many questions!“I have begun the stripping process — it will be a LONG process. Once done, this will close off the powder room from the front entry, thus being the first thing you’ll see once coming into the house. It will actually be a pocket door. I’m considering having a stained glass oval made for the current glass space. Do you have any other ideas for the glass to allow for privacy?“I’m looking forward to the memories that we will create — the greetings and goodbyes to be said in front of this door. — Desirée”
What it Takes to Build a Highly Secure FinTech … markhachman Tags:#Microsoft#microsoft surface#tablet Why IoT Apps are Eating Device Interfaces Related Posts So what did Forrester’s report conclude?1.) Apple will win the next-gen smartphone war. Today, 92% of desktop PC users run Windows, 87% of notebook users do the same, while Apple powers 58% of the tablets. Android edges Apple in smartphone use, 37% to 34%. But 33% of workers want their next phone to be an iPhone; 22% want an Android phone, and 10% want a Windows phone. Some 7% own a BlackBerry, and apparently those same 7% want another.2.)Windows tablet demand tops Apple. Easily the biggest surprise of the report. Of those IT workers polled, only 2% own a Windows tablet. But 32% want one. That tops Apple, with just 26% of those polled wanting an iPad and 12% hoping for another Android tablet.“For CIOs, there are three mandates that arise from this data: 1.) Apple and Android will be major suppliers to the enterprise. 2.) Microsoft has a fighting chance in tablets. 3.) The workplace of the future is multiplatform,” Forrester’s report claims.3.)More workers are bringing their own devices to work, and more are paying for them, too. Forrester claims that we haven’t yet hit what it calls “peak BYOD.” But aleady more than a third of workers who bring smartphones and laptops into the office picked what they wanted, themselves, the report found. About 12% of workers bought (or were forced to buy) their notebooks themselves, and 18% more (or 129 million workers) bought their own phones.In total, 36% of the knowledge-based workforce is ready and willing to pay for the computer they want, the report found. “We read that result as code for “I’d like a MacBook or iMac, please,” Forrester said.The report also noted that more and more employees don’t mind having their devices managed by their employer. If a worker loses a cell phone, for example, an IT shop that activates a “kill switch” will wipe the user’s device. Workers these days are finding that blocking a thief’s access to their personal data is as valuable as blocking access to corporate data, the report concluded.With more and more workers using multiple devices – desktop, notebook, phone and tablet – and IT shops allowing these devices onto the corporate network, Microsoft may be right – the world may indeed want Windows. Microsoft Q&A With Tami RellerThat’s all certainly good news for Microsoft, but Windows 8’s future remains far from certain. In a “question and answer” session with Windows marketing officer Tami Reller published Monday, Reller stuck to the party line about how “more than 60 million licenses” had been sold for Windows 8, “on par with the record-setting pace we saw with Windows 7.”“With Windows 8, we’ve built an OS that scales across the entire segment: tablets, to PCs to everything PCs can become, with one consistent scalable experience,” Reller said. “Windows 8 is a big, ambitious change and as I said, we’re only just getting started.”Nothing has changed here. Reller is repeating the same points that she has been hammering for weeks now. Yes, Microsoft delivered solid financial results for the most recent quarter. But persistent questions about Windows 8 demand have lingered, and Forrester’s report may have answered some of them. Role of Mobile App Analytics In-App Engagement Good news for Microsoft: 200 million information workers want Windows tablets, a report from Forrester claimed Monday, quite a few more than the 900,000 Surface RT tablets that IDC estimated have already been sold into the channel.If Forrester’s numbers truly reflect reality, they indicate a huge pent-up demand for the Surface Pro, which goes on sale this month. The report concludes that both Apple and Microsoft will go at each other’s throats to win knowledge workers to their respective camps, riding the wave of the Bring Your Own Device (BYOD) trend. And believe it or not, those workers want Windows tablets like the Surface more than they want iPads.Forrester also concludes that it’s probably curtains for BlackBerry, which the research house labels a “fading presence”.The strongest argument for the legitimacy of the data is the sample size of 9,766 information workers that Forrester polled. Typically, market research firms – whether asking questions about technology, political candidates or laundry soap – poll a representative group of respondents and try to extrapolate that data out to the entire population in question, usually Americans or even worldwide users. The larger the sample size, typically, the greater the reliability of the findings. The Rise and Rise of Mobile Payment Technology
Essential Reading! Get my 3rd book: Eat Their Lunch “The first ever playbook for B2B salespeople on how to win clients and customers who are already being serviced by your competition.” Buy Now The idea that “success is a marathon” speaks to a certain truth. That truth is that success is a long game. That you have to invest your heart, your soul, your blood, and your sweat to obtain it, whatever your definition of success may be.Start, But No EndSuccess, however, is not a marathon. A marathon has a starting and an end point. When you cross the finish line in a marathon, you are finished. In this regard, the marathon as a metaphor comes up lacking. It can give you the false belief that you have time that you don’t actually have. It can lead you to believe that days and weeks don’t matter, that you have plenty of time, and that eventually, you will reach a finish line and have success.This is not how success works. There is no end to the work it takes to maintain success.The Daily SprintSuccess is more like a never ending series of sprints. Each day is like running the 100 meter. You have to do the things today that create success. A day is too short a time to create success and is far too long a time to waste. You need to accomplish your most important tasks each day, and you need to do so with a great sense of urgency. So, you sprint.Once you complete today’s sprint, the next day you sprint again. Yesterday’s race is over, today is a new race. You do what’s most important for your success, and you do it like you are running out of time.The way to produce lasting success is to pay the price every day, in perpetuity. It’s about daily disciplines as much as it is goals.Success in relationships requires that you do the work and invest in the relationships that mean the most to you. Financial success is mostly a set of financial disciplines that are kept every day. Creating good and productive adults is about the daily and weekly disciplines of parenting. Whatever success means to you, it breaks down to daily (and weekly) sprints.Successful days lead to successful weeks. Successful weeks are the building blocks of successful months. Months of disciplined actions make up successful quarters and years. You can’t have a successful year without having a series of successful sprints.