Eight creative uses of QR codes
QR codes are easy to set up, and offer a range of possible uses for marketers, on product packaging, in shop window displays, in print advertising and more. When used well, they provide a quick response mechanism, and appeal to consumers’ curiosity.
Whether they will ever become widely adopted is unclear, as there is a potential barrier in that people need to actively download a code reader app first, though there are ways to overcome this. For example, retailers could start to add QR readers to their mobile apps, while there is talk of the iPhone5 having a pre-installed reader.
Here are eight examples of how QR codes have been used, mainly from retailers. P
British American Tobacco Buys 115,000 Own Shares
LONDON — British American Tobacco PLC , announced Monday that it purchased 115,000 of its ordinary shares of 25 pence each.
MAIN FACTS:
-The average price was 2782.0155 pence per share.
-The company intends to hold these shares in treasury.
-Shares closed Monday at 2775.0 pence
Temple-Inland Rejects International Paper’s Hostile Bid
Temple-Inland Inc.’s board unanimously rejected International Paper Co.’s $3.3 billion hostile takeover bid, saying that it “grossly undervalues” Temple-Inland and urged holders not to tender their shares.
Temple-Inland’s refusal to support the offer wasn’t surprising. The cardboard-box maker rejected the same offer in June when International Paper proposed the deal on an informal basis.
“The Temple-Inland Board is unanimous in its belief that the offer grossly undervalues Temple-Inland and its prospects,” said Chairman and Chief Executive Doyle R. Simons in a written statement Monday.
Psychographic targeting in B2B marketing
There are so many ways to segment an audience and target your messages – by job title, industry, seniority, behaviour… But there’s an important dimension that’s often ignored by B2B marketers: psychographics.
How different prospects feel about things can guide your segmentation, offers and creative. The trick is to find ways to get your psychographic targets to identify themselves so you can market to their specific biases.
Imagine you’re trying to get people to switch from a popular software package to your own, cloud-based solution. You can run campaigns for specific industries — and you probably should. <
Calculating The Risk And Its Effects While Mortgage Decession
A number of mortgage options now available for homeowners. It becomes choice of the homeowners that what type of mortgage suits them. They can choose their mortgage option as per their needs and situation. The mortgage decision is based on risk and reward. One have to calculate the amount of risk involved in opting the option, and what will be the reward in return to opting that risk.
Basically there are two major types of risks linked with the choice of a mortgage that.
- The risk of payment shock
- Mortgage’s effect on home equity.
The Risk Of Payment Shock
Payment Shock means expected increase in monthly payments. T
Oppenheimer sued for $1.8 billion in improper loans
– A group of lenders sued OppenheimerFunds Inc, an investment subsidiary and an advisory company, accusing it of wrongfully procuring $1.8 billion in loans from March 2006 to September 2007 to buy investments that were too risky to meet lending agreements.
The plaintiffs, in a suit filed Friday in the New York State Supreme Court, allege that AAArdvark I Funding Limited, an investment vehicle established by Oppenheimer, borrowed funds at a low interest rate to buy higher-yielding securities selected by Harbourview Asset Management Corp that violated loan terms.
They also allege that Oppenheimer failed to identify the contract violations for 18 months, which caused Harbourview to file 241 false certifications to lenders, thereby keeping the line of credit open, the court document said.
By September 2007, the investments, including stakes in Countrywide and GMAC, were not generating enough income to pay interest and other fees and expenses, it said.
At that time Oppenheimer notified the lenders that an “amortization event” had occurred and that AAArdvark was unable to satisfy the terms of the lending agreement.
The defendants have refused to return the borrowed funds totaling nearly $1.8 billion.
The plaintiffs include lenders TSL Inc.; Bryant Park Funding LLC; Liberty Street Funding LLC; Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., Rabobank Nederland, New York Branch RABON.UL; Credit Agricole Corporate and Investment Bank CRINDZ.UL; and Royal Park Investments SA/NV.
OppenheimerFunds, majority-owned by Massachusetts Mutual Life Insurance Company MMLIC.UL, could not immediately be reached for comment.
Apartment Complex Mandates that Dogs Submit DNA Samples
The Huffington Post has reported that an apartment complex in New Hampshire has now taken monitoring of their residents to a whole new level by mandating that they submit samples of their dogs DNA, so that they can be compared to dog poop that has been found throughout the complex.
The complex manager turned to this tactic after numerous attempts to get residents to pick up after their pets were ignored.
The story indicates that the DNA samples are requested to be given voluntarily, but it is easy to see how this could eventually become a requirement within leases or HOA documents.
Stories like this are a good reminder to anyone considering purchasing a property in an HOA that they should understand that they are agreeing to be bound by the HOA rules and that in fact they are joining a small goverment, which can be ran like a democracy or a small dictatorship.
They are also agreeing to be bound by any new rules that are agreed to under the bylaws of the HOA agreement.
So even if the current rules are agreeable, it is important that homebuyers determine the direction of the HOA from recent meeting notes and that they participate in future meetings once they purchase the property, so they don’t end up stuck with rules they can’t live with.
Some HOAs have reputations for being very strict and intrusive, while others are known for ignoring rules or even sherking on thier responsabilities to repair common areas.
The condo or home you may be considering could be in an HOA that has dog poop everywhere and doesn’t inforce the rules, or it could be in an Orwellian HOA where big brother HOA is DNA testing your dog.
Most people would probably prefer to live in an HOA somwhere in the middle of those two, so its best that you check before finalizing the purchase of a property.