TalkAboutSexxx.com

Sex and sexuality news and information forum

 forum - business directory - image gallery

It is currently Sat Jul 21, 2018 3:29 pm

All times are UTC




Post new topic Reply to topic  [ 742 posts ]  Go to page Previous  1 ... 46, 47, 48, 49, 50
Author Message
PostPosted: Thu Nov 09, 2017 9:35 pm 
Offline
Site Admin
User avatar

Joined: Fri Aug 04, 2006 10:19 am
Posts: 8361
Location: Planet Earth (sometimes)
Will your store credit card survive 'retail apocalypse'?
By MELISSA LAMBARENA
November 9, 2017

Stroll your local mall and you may spot some empty storefronts where mannequins once stood draped in the latest fashions - possible casualties of what some have dubbed the "retail apocalypse."

Not everyone agrees it's all doom and gloom for brick-and-mortar stores, but challenges certainly exist. Major retailers have announced plans to close thousands of locations in the U.S., and the final tally for 2017 could number around 9,500 stores, according to projections from Fung Global Retail & Technology, an industry think tank.

But just because a store turns out its lights doesn't mean the end is also nigh for your store credit card. Its fate depends on the retailer's business plans and decisions made by the bank that issues the card. The better you understand the process, the better you can manage your credit and keep it in good standing.

WHAT MIGHT HAPPEN

The impact of a retail closure on store credit cards may vary by situation and issuer, according to David Boone, head of U.S. partnerships at TD Bank. TD Retail Card Services issues private-label credit cards, which can be used only at a particular store, as well as co-branded credit cards, which have a Visa or MasterCard logo and are widely accepted.

When a store closes, any of the following may happen regarding your store credit card:

- You have to shop online to use the card. If a store moves sales online, you can continue using your private-label store credit card on its website and making your payments online, or by phone or mail. Of course, this also means you may incur shipping costs. If your card is co-branded, it should still be accepted by most merchants.

- The card issuer offers you a new credit card. When a retailer goes out of business entirely, the rewards program eventually goes with it. "Most issuers will attempt to find a replacement product or reward value proposition for the customer," Boone says. Replacement products might include a cash-back credit card or one with a 0 percent introductory APR offer.

- The issuer closes your card. You store card may be shuttered completely along with the store. In this case, you might be notified about a rewards expiration date. Private-label credit cards are more likely to be closed because they can't be used anywhere else.

- The issuer sells your credit card account. Most banks, Boone says, would prefer to retain relationships with existing customers. But the issuer does own your debt and can therefore sell it to another issuer. If that happens, the new issuer is required by federal law to alert you to any significant changes to the terms with a 45-day advance written notice, according to Nessa Feddis, senior vice president for consumer protection and payments at the American Bankers Association. Keep your contact information updated in case an issuer needs to notify you about changes.

POSSIBLE IMPACT ON YOUR CREDIT

Regardless of what happens to your favorite store, you must continue making payments on your card or risk damaging your credit score. Your credit can suffer if you or the issuer close the account, but the impact depends on how long you've had the card and how much of its available credit you're using. Both are factors in popular credit-scoring models. "If a consumer closes a card that has a lengthy credit history, or one that represents a large part of their credit utilization, closing the account can have a large negative effect on his or her credit score," said John Danaher, president of consumer interactive at TransUnion, in an email. (TransUnion is a NerdWallet business partner.) If the card is newer or has a low credit limit, any negative impact "will likely be small and temporary," he adds. If an issuer closes your account, check your credit report to make sure it's documented correctly.

YOUR OPTIONS

You don't have to sit around and wait for the sun to set on your store credit card; you can seek out a better match. Many credit cards with broad acceptance also offer benefits such as rewards and introductory interest-free periods.

An application for a new credit card can ding your credit score because it triggers a "hard pull" from the issuer on your credit report. But it's generally a temporary dent, and it may be worth it if you find a card that works for you. Check your credit score in advance so you can apply for cards in your credit range and improve your odds of approval.

Source: AP

_________________
Utterly totally and completely brilliantly wunderbar
Cutiepie Snoozikin Scrupelshrumpilstilskin's "major pain in the butt"
Sex. Enjoy it. Talk about it. Share the experience. Learn from others.


Share on FacebookShare on TwitterShare on TuentiShare on SonicoShare on FriendFeedShare on OrkutShare on DiggShare on RedditShare on DeliciousShare on VKShare on TumblrShare on Google+Share on MySpace
Top
 Profile  
 
PostPosted: Wed Nov 15, 2017 10:56 pm 
Offline
Site Admin
User avatar

Joined: Fri Aug 04, 2006 10:19 am
Posts: 8361
Location: Planet Earth (sometimes)
Butter shortage threatens to dampen France's Christmas fare
15 November 2017

There can arguably be no greater threat to the French way of life than a lack of butter.

For months France has been gripped by a slow burning panic that it is running out of the golden ambrosia, which is the base of croissants and pains au chocolat as well as the whole mouth-watering panoply of French patisseries. Supermarket shelves have been emptied of butter as shoppers worry they will have nothing to put on their breakfast tartines of toasted baguette, while worried bakers fear a "croissant crisis" as prices spiral. "We always loved butter, but we never knew how much," sociologist Remy Lucas, who specialises in people's relationship with food, told AFP. "Now we realise how important it is in our daily lives. Obviously we can replace it nutritionally but the idea that we might be without it is really unbearable," he added.

French people eat more butter per capita than anyone else in the world -- three times more than Americans -- yet still have among the lowest obesity levels of developed countries. Faced with mounting anxiety about having to go without butter, churn makers told AFP that enquiries from city dwellers who clearly had no access to dairy cows had soared, while a spate of YouTube videos showing people how to make butter have been viewed tens of thousands of times within days of going online.

"It's been a long time since I did a video which took off so quickly," said popular recipe blogger Herve Palmieri. "The last one that went viral with a few million views was ironically about how to make a chocolate cake without butter or sugar," he added.

Google said internet searches on how to make butter had rocketed 925 percent between September and October. Wholesale prices for butter more than tripled over the past year driven by rising demand in Asia, with Chinese consumers in particular reportedly developing a weakness for flaky, butter-rich croissants.

With many French supermarkets refusing to pay higher prices because they tend to fix them annually, butter has gone abroad. The drop in supplies has been accentuated by panic buying, with the safety net of the EU's once enormous butter mountain no longer there, having melted away to a mere one percent of its size last year.

Parisian baker Dominique Eury said he had never encountered such a shortage in the 44 years he has been manning his oven in the 17th district of the capital. "Ten days ago I could not get the butter or cream that I needed. Until now we have got by, what is really worrying me is the holidays. The world has gone mad," he said. Eury said he gets through twice as much butter during Christmas as he makes the traditional "buche" chocolate log dessert and the marzipan "galette of the kings" the French eat in January. With his suppliers only able to get their hands on 80 percent of the butter they want, Eury said he was putting stocks aside just in case of a crisis over the Christmas period.

The idea that they could make do with margarine is not something French bakers are prepared to contemplate. "We make everything with butter," said Arnaud Delmontel, who has four bakeries in the capital. Although he believes the shortage is not real, he complained that the rise in prices has become "unreasonable", and some of the butter he has received had clearly been frozen. "People are speculating and making a lot of money," he claimed.

Global demand for butter is outstripping supply, according to the US Department of Agriculture, as consumers turn away from vegetable-oil based products in search of something "safer". Butter's image as a cholesterol-choked dietary bad guy has changed radically in recent years. Many scientists now say it is "neutral" health-wise -- news that Time magazine celebrated with a 2014 cover proclaiming, "Eat butter".

All of which further reinforces the French emotional attachment to its creamy comforts, Lucas argued. Grandmothers in the buttery heartlands of Brittany and Normandy still use it as a cure-all for bumps and bruises and Lucas said this "brings us back to our childhood... to the intimate comforts and joy of butter at breakfast and in afternoon snacks. Naturally butter is something that makes us happy." "Until the shortage," he said, "butter was just something in our fridges. We had taken it for granted because we always had it, except during World War II."

Having to worry about getting enough was "shocking and paradoxical" to French people, the sociologist insisted. "In the 'Land of Butter' we find it extremely difficult to imagine that we can live without it."

Source: AFP

_________________
Utterly totally and completely brilliantly wunderbar
Cutiepie Snoozikin Scrupelshrumpilstilskin's "major pain in the butt"
Sex. Enjoy it. Talk about it. Share the experience. Learn from others.


Share on FacebookShare on TwitterShare on TuentiShare on SonicoShare on FriendFeedShare on OrkutShare on DiggShare on RedditShare on DeliciousShare on VKShare on TumblrShare on Google+Share on MySpace
Top
 Profile  
 
PostPosted: Wed Nov 22, 2017 7:45 am 
Offline
Site Admin
User avatar

Joined: Fri Aug 04, 2006 10:19 am
Posts: 8361
Location: Planet Earth (sometimes)
Food bank protest staged outside British PM's office
21 November 2017

LONDON (AFP) - Campaigners set up a food bank outside British Prime Minister Theresa May's Downing Street residence on Tuesday in a protest against austerity policies on the eve of a new national budget being announced.

The demonstration by the People's Assembly Against Austerity group saw crates carrying tonnes of tins, milk cartons and fruit juices piled up on the street as campaigners urged the public to donate. "The rich in this country are getting richer, and the poor are getting poorer and poorer all the time," Tom Griffiths, one of the organisers, told AFP. "What we would like them to see is that austerity isn't working. They are talking about a strong economy but it's a strong economy for a very small privileged few," Griffiths said.

According to the Trussell Trust, which manages the vast majority of food banks in Britain, some 1.2 million emergency food packages were distributed during the 2016/2017 financial year. That was 29 times higher than in the 2009/2010 financial year just before budget austerity was imposed by then new prime minister David Cameron.

Faiza Shaheen, head of the Centre for Labour and Social Studies, said at the protest: "People are struggling. The levels of personal debt, in terms of household debt, are back to pre-financial crisis level, and that's what triggered the crisis in the first place. This is unsustainable, socially and economically."

Since coming to power in 2016 following the Brexit referendum, May has continued with austerity policies with the aim of reducing the deficit to below 2.0 percent of gross domestic product. The unemployment rate of 4.3 percent is currently at its lowest since 1975 but household purchasing power has been reduced because of higher inflation. A group of economists, including Nobel-winner Joseph Stiglitz, has appealed to Finance Minister Philip Hammond to announce an end to austerity when he reads out his budget in parliament on Wednesday. "We've reached a dangerous tipping point. Austerity has failed the British people and the British economy. We demand the chancellor ends austerity now," they said in an open letter to the Guardian on Tuesday.

Source: AFP

_________________
Utterly totally and completely brilliantly wunderbar
Cutiepie Snoozikin Scrupelshrumpilstilskin's "major pain in the butt"
Sex. Enjoy it. Talk about it. Share the experience. Learn from others.


Share on FacebookShare on TwitterShare on TuentiShare on SonicoShare on FriendFeedShare on OrkutShare on DiggShare on RedditShare on DeliciousShare on VKShare on TumblrShare on Google+Share on MySpace
Top
 Profile  
 
PostPosted: Thu Nov 23, 2017 11:07 pm 
Offline
Site Admin
User avatar

Joined: Fri Aug 04, 2006 10:19 am
Posts: 8361
Location: Planet Earth (sometimes)
Turkmenistan currency crisis seen causing cola shortage
23 November 2017

ASHGABAT (AFP) - Fans of Coca-Cola in gas-rich Turkmenistan's capital Ashgabat are complaining they can no longer "taste the feeling": their favourite drink has disappeared from shop shelves amidst a sharpening economic crisis.

"You used to be able to find it in every shop, but now only a few are selling it and the price has increased significantly," Mergen Kakayev, a 24-year-old taxi driver told AFP. "People say it is unhealthy, but I have never noticed. For me a good meal is a piece of hot naan bread and a glass of cold Coca-Cola," said Kakayev, who got hooked on the drink ever since it first appeared in the secluded country in the 1990s.

Turkmenistan has imposed increasingly draconian restrictions on foreign currency exchange as global prices for hydrocarbons -- over 90 percent of the country's exports -- collapsed in 2014. A spokeswoman for the drink's producer, Coca-Cola Icecek, which employs around 300 people in Ashgabat, told AFP by telephone it was "facing raw material supply shortages" due to "temporary hard currency conversion issues", but was not planning to leave the market.

Two shopkeepers in Ashgabat told AFP that the cost of Coca-Cola spiked shortly after the conclusion of the Asian Indoor and Martial Arts Games Turkmenistan, hosted in Ashgabat in September. The sporting event backed by the Olympic Council of Asia emerged as a key theme in state propaganda and the government lavished $5 billion on an Olympic village for the event alone. Coca-Cola Icecek were among the sponsors of the games.

An AFP correspondent visited several shops in central Ashgabat where employees said that Coca-Cola was now too expensive to stock after the price for a half-litre bottle went from 1.5 to 4 manats ($1.14).

One Turkmen businessman who gave his first name Aigozel told AFP that he was able to withdraw just $50 daily from bank machines during his last trip abroad. The government last devalued its manat currency in January 2015 when it shaved a fifth off its value. But it still appears overvalued: while the official rate is one dollar to 3.5 manats, the greenback fetches over 8 manats on the black market.

Source: AFP

_________________
Utterly totally and completely brilliantly wunderbar
Cutiepie Snoozikin Scrupelshrumpilstilskin's "major pain in the butt"
Sex. Enjoy it. Talk about it. Share the experience. Learn from others.


Share on FacebookShare on TwitterShare on TuentiShare on SonicoShare on FriendFeedShare on OrkutShare on DiggShare on RedditShare on DeliciousShare on VKShare on TumblrShare on Google+Share on MySpace
Top
 Profile  
 
PostPosted: Tue Nov 28, 2017 8:13 pm 
Offline
Site Admin
User avatar

Joined: Fri Aug 04, 2006 10:19 am
Posts: 8361
Location: Planet Earth (sometimes)
2,500 job losses as UK cigarette supplier collapses
28 November 2017

LONDON (AFP) - Britain's biggest cigarette wholesaler, Palmer & Harvey (P&H), collapsed into administration on Tuesday, with around 2,500 staff facing redundancy, its administrator PwC announced.

The 90-year-old company, which also provides alcohol, groceries and frozen food to 90,000 retail accounts -- including Britain's largest supermarket chain, Tesco -- failed in attempts to secure a buyer. The firm, which employs about 3,400 people, held exclusive takeover talks with the Carlyle Group in October, but the US private equity fund's offer of a significant capital investment in exchange for a controlling stake did not progress. It had also been working with stakeholders Imperial Brands and Japan Tobacco International in a bid to find relief from thin profit margins and a substantial debt burden.

PwC confirmed P&H, one of the largest British companies not listed on the London Stock Exchange, would immediately shed 2,500 jobs at the firm's head office in Hove, southern England, and branch network, with 900 remaining staff still at risk. Matthew Callaghan, joint administrator and PwC partner, said: "This is a devastating blow for everyone who has been involved in the business. "The administration team will focus on working with employees, clients and suppliers to facilitate a smooth and effective wind-down or transfer of operations over the next few weeks."

Source: AFP

_________________
Utterly totally and completely brilliantly wunderbar
Cutiepie Snoozikin Scrupelshrumpilstilskin's "major pain in the butt"
Sex. Enjoy it. Talk about it. Share the experience. Learn from others.


Share on FacebookShare on TwitterShare on TuentiShare on SonicoShare on FriendFeedShare on OrkutShare on DiggShare on RedditShare on DeliciousShare on VKShare on TumblrShare on Google+Share on MySpace
Top
 Profile  
 
PostPosted: Wed Nov 29, 2017 5:16 pm 
Offline
Site Admin
User avatar

Joined: Fri Aug 04, 2006 10:19 am
Posts: 8361
Location: Planet Earth (sometimes)
Clashes erupt as foreclosed property auctions resume in Greece
29 November 2017

ATHENS, Greece (AP) -- Greek police have used tear gas to hold back dozens of protesters trying to disrupt foreclosed property auctions that resumed after a hiatus of several months.

Protesters pelted police with trash cans, fire extinguishers and other items at the Athens courthouse where the auctions were taking place Wednesday. The auctions are a key component of Greece's bailout talks with creditors. They are seen as essential for banks to get a grip on the huge number of bad loans on their books. Greece's government has promised that primary residences worth up to 300,000 euros ($355,000) won't be auctioned off. But it has also dispatched police so that auctions can proceed, unlike previous times when protesters succeeded in halting proceedings. Moreover, online auctions were due to start for the first time Wednesday.

Source: AP

_________________
Utterly totally and completely brilliantly wunderbar
Cutiepie Snoozikin Scrupelshrumpilstilskin's "major pain in the butt"
Sex. Enjoy it. Talk about it. Share the experience. Learn from others.


Share on FacebookShare on TwitterShare on TuentiShare on SonicoShare on FriendFeedShare on OrkutShare on DiggShare on RedditShare on DeliciousShare on VKShare on TumblrShare on Google+Share on MySpace
Top
 Profile  
 
PostPosted: Thu Jan 25, 2018 4:51 pm 
Offline
Site Admin
User avatar

Joined: Fri Aug 04, 2006 10:19 am
Posts: 8361
Location: Planet Earth (sometimes)
Spain's jobless number drops nearly half million in 2017
25 January 2018

MADRID (AP) -- Official statistics show the number of people out of work in Spain dropped by nearly half a million last year, further evidence of the country's resurging economy.

The National Statistics Institute said Thursday that 471,100 fewer people were unemployed at the end of 2017, making for a rounded total of 3.76 million. The unemployment rate finished at 16.6 percent, compared with 18.6 percent at the end of 2016. The figure is still the second-highest rate in the 28-country European Union behind Greece.

Unemployment in Spain peaked at 27 percent in 2013 before it began to emerge from a severe five-year financial crisis. The institute said the jobless number rose by 34,900 in the final quarter, raising the overall rate to 16.6 percent from 16.4 percent in the third quarter.

Source: AP

_________________
Utterly totally and completely brilliantly wunderbar
Cutiepie Snoozikin Scrupelshrumpilstilskin's "major pain in the butt"
Sex. Enjoy it. Talk about it. Share the experience. Learn from others.


Share on FacebookShare on TwitterShare on TuentiShare on SonicoShare on FriendFeedShare on OrkutShare on DiggShare on RedditShare on DeliciousShare on VKShare on TumblrShare on Google+Share on MySpace
Top
 Profile  
 
Display posts from previous:  Sort by  
Post new topic Reply to topic  [ 742 posts ]  Go to page Previous  1 ... 46, 47, 48, 49, 50

All times are UTC


Who is online

Users browsing this forum: No registered users and 7 guests


You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot post attachments in this forum

Search for:
Jump to:  
cron

Powered by phpBB® Forum Software © phpBB Group