Monday, June 30, 2008

Disney Lost My Social Security Number


Back in 1994, Hunter Walker bought five shares of stock in theme park giant Walt Disney Company...

I invested in the House of Mouse because they were one of the only companies I knew of as a 10-year-old. Over the years, I held on to the stock as Disney made a killing by becoming a farm system of teenie bopper talent. But I just found out that Disney lost my identity.

I got a lovely letter in the mail informing me that on February 27, 2008, a company doing archive services for Disney lost a box of "data back-up tapes" that contained my name, address, and best of all, my social security number. Fun!

Apparently the people working for Disney shareowner services at Bank of New York Mellon had someone from Archive America driving my personal info through New Jersey, and it fell off the truck or something. Schmucks. Supposedly, Disney was unable to notify me about this sooner because

It took us some time to determine whose information was contained on the tapes.


Now, they've set me up with two years of identity theft insurance and credit monitoring to make up for the mistake. There's also a useless "missing box hotline." The lost box was one of two screw-ups by Archive America and Bank of New York already this year that have resulted in the loss of the "sensitive information of more than 4.5 million people and 747 companies."

Now, I'm busy filing police and FTC reports and trying to figure out whether or not this security breach has caused me any serious problems. Either way, it's a whole lot of stress. They totally owe me sushi at Epcot and a free breakfast with Mickey next time I'm at Disney World.

Wednesday, June 25, 2008

hello good afternoon, I'm in internet shop with your sister maybe we will use internet around 1 hour. what do you do now?


by Adam Aigner-Treworgy

Tue. Jun 24, 2008

Republican presidential candidate John McCain had some observers scratching their heads last week over his decision to head north to Ottawa to deliver remarks on the economy and U.S. trade policy. For his part, Democrat Barack Obama was quick to take up the issue, saying on Friday that it was "interesting" that McCain "chose to talk about trade in Canada instead of in Ohio or Michigan."

"You know, I think Senator McCain should have shared some of his views there to American voters," the Illinois senator said.

So why did McCain go all the way to Ottawa to give a speech on the positive effects of the North American Free Trade Agreement?

In his speech, McCain contended that he had simply gone to thank the people of Canada for their work "to advance one of the finest friendships between any two nations in the world today." Despite flying to Ottawa aboard his campaign plane, accompanied by his campaign staff and with campaign reporters in tow, the Arizona senator argued that his trip was of a purely diplomatic nature, and he refused to publicly address the election while on foreign soil.

McCain spoke to reporters after his speech but balked when a questioner mentioned his Democratic rival.

"This is not a political campaign trip," McCain said, adding that he just wanted to thank Canadians and their government for their "enormous contribution to our friendship, to our relations, to trade, to our economy and to the defense of freedom in the world."

Even when given the chance to criticize Obama for proposing to renegotiate NAFTA, McCain demurred. In an effort to explain his campaign's decision to fund a nonpolitical trip to a foreign capital, the candidate said he "didn't feel it was appropriate for the taxpayers -- while I am the nominee of my party -- to pay for a trip that would have accrued to the cost of the taxpayers."

However, less than two weeks after McCain officially secured enough delegates to claim his party's nomination, he took off on a congressional delegation to the Middle East and Europe, visiting Iraq, Jordan, France and England with two of his biggest supporters, Sens. Joe Lieberman, I/D-Conn., and Lindsay Graham, R-S.C.

At the time, the McCain campaign was hammered by Democrats for the candidate's participation in a politically beneficial trip on the taxpayers' dime. Campaign officials said they were much more careful on this trip abroad. After a visit to the Economic Club of Toronto, however, McCain held two private meetings with Canadian business leaders in which the candidate's ambassadorial tone gave way to one more familiar from the campaign trail.

First, McCain participated in what the campaign described as a private roundtable with 15 to 20 Canadian business leaders. He then addressed a meeting of the Canadian Council of Chief Executives at the exclusive Rideau Club in downtown Ottawa.

McCain was introduced to the group as the "presidential nominee for the Republican Party of the United States of America," and although he stuck mostly to pleasantries in his brief remarks, he didn't hesitate to slip back into campaign mode when it came time for questions.

When asked about his plan for the American economy, McCain ran off a litany of issues that needed to be addressed, concluding with his campaign slogan: "Restoration of trust and confidence in government is the first step, and that means reform, prosperity and peace."

McCain also outlined his campaign's health care proposal when asked about the large number of children in the U.S. who remain uninsured.

"We need to make [health care] affordable and available, and we need to do that by giving American families a $5,000 refundable tax credit so they can go anyplace in America to get the health insurance of their needs," McCain said.

And in response to a question about repairing the American economy, McCain repeated another familiar line from the trail, saying that as president he would "veto every earmark, porkbarrel bill that comes across my desk, and I'll make 'em famous."

According to Ross Laver, the chief executives council's vice president for policy and communications, his organization is "absolutely nonpartisan," but it does represent business leaders who are heavily invested in an active trading relationship between the U.S. and Canada. Events like the reception with McCain help those members "stay plugged in with what's happening in the world," Laver said, as well as giving members an opportunity to share their views about the future of North American trade.

Such an event, where a presidential candidate is able to discuss his policies with foreign business leaders using political language, could be seen by some as a campaign event, and Federal Election Commission law prohibits the involvement of foreign groups in U.S. campaigns.

Although a spokesperson for the FEC was not allowed to comment on an issue that may come before the commission, FEC rules say, "A foreign national shall not, directly or indirectly, make any expenditure, independent expenditure, or disbursement in connection with any Federal, State, or local election." That includes foreign associations or partnerships.

Democrats criticized the trip even before McCain had set foot in Canada, and the Democratic National Committe on Friday filed a Freedom of Information Act request concerning the role played by U.S. Ambassador David Wilkins in arranging the visit.

Monday, June 23, 2008

Living costs for Londoners jump


London families are desperately trying to cut back their spending as the impact of rising prices really starts to bite.

The Evening Standard's credit crunch panel have all reduced or stopped so-called 'discretionary' spending on treats such as new clothes and eating out. Each panel member has agreed to have their monthly spending monitored to help track changes to the cost of living.
Their latest reports come after the official inflation measure - the consumer price index - rose to 3.3% and Bank of England Governor Mervyn King warned that it could hit 4% this year.

Our panel found that despite making savings, their outgoings continue to go up as fuel, food and utility bills soar. They have also been hit by 'hidden horrors' on top of regular purchases, such as the cost of moving house.

Two households moved this month, one moved last month and the fourth is moving in two weeks. In two cases, the families are downsizing to cut costs.

The panel members all said grocery and fuel costs had increased the most. According to our survey, the average cost of a litre of unleaded petrol rose to £1.18 this month, up from £1.12 in May and £1.09 in April. A basket of 10 everyday goods bought in London increased by 0.45% between mid-April and mid-June, while food bills across the capital have risen by 6% in the past year - almost twice the official rate of inflation.


Family with two children

Emmanuel Bourdon, 28, wife Davinia, 28, and sons Olivier, two, and Sebastien, 11 months

Occupations: Emmanuel is a wine specialist and Davinia is a full-time mother.
Home: a rented two-bedroom flat in Hampton, west London.
Outgoing costs: Rent £900; council tax £125; electricity £40; gas £40; water £35; TV licence £11; petrol £85; travel £90; road tax £17; car insurance £21; groceries £648; eating out £250; going out (including children's playgroups) £208; clothes £60; credit cards £30; phone/internet £158; unexpected expenses (BT bill to re-connect line, fee for moving out, professional cleaner for previous house) £580.

Friday, June 20, 2008

Geneva Finance refunds more than $500,000


Geneva Finance has refunded customers more than $500,000 after admitting it breached the law by not providing rebates on insurance when some debtors paid loans early.

The company made an out-of-court settlement with the Commerce Commission to refund $510,966 to 3700 customers, after breaching the Credit Contracts and Consumer Finance Act.

The finance company had not provided rebates on payment protection insurance premiums for loans repaid between April 2005 and December 2007, the commission said.

Those insurance policies ensure that repayments will be made if debtors are unable to meet them for reasons including accident, sickness or redundancy.

During the period, about 24,000 loans were repaid early or terminated by Geneva Finance, of which about 3700 did not receive the correct rebate.

Geneva Finance had been cooperative and provided rebates when the issue was identified, said commission chairwoman Paula Rebstock.

"Many consumer finance companies require customers to take out payment protection insurance. The commissions from those policies represent a source of revenue to the finance companies.

"When customers wish to repay their loans early they rely on creditors to calculate the correct settlement balance, including any rebates due to them. We expect others in the industry to ensure that they are not making the same mistakes Geneva Finance made," Ms Rebstock said.

Geneva also settled out of court with the commission last October over breaches of the Fair Trading Act and refunded $589,114 to over 900 debtors who had been overcharged fees and interest.

Monday, June 16, 2008

Irish Financial Regulator Financial Capability Survey: 17% don’t have a current bank account - 44%


The Irish Financial Regulator today published a preliminary report on its first major study of the financial capability of consumers in Ireland. The Financial Capability Studyis the largest-ever research project undertaken by the Financial Regulator. The aim of the study is to gain a better understanding of how people in Ireland manage their money, plan ahead and make provision for their financial futures and how people assess and make choices between financial products.

Monday, June 9, 2008

Bleak May for consumers


UK consumer confidence was at an all-time low in May, with a third of respondents having serious economic concerns.

The British Retail Consortium (BRC) UK Consumer Confidence index now stands at 79 points, compared to 91 a year ago – as fears of rising inflation, a slumping economy and falling house prices combine with the credit crunch.

"The fact that the score has plummeted a further 12 points is telling of how much consumers are being stretched," said Mike Watkins, senior manager at Nielsen, which compiled the data.

"Our survey reveals that 55 per cent of people ranked inflation as their main concern during periods of economic downturn while 39 percent said high interest rates.

"Unfortunately they are being hit with both at present. This has caused significant unease among consumers."

Behind inflation and higher interest rates, unemployment and falling property prices were cited as the greatest worries if the economy slumped – by 38 per cent and 25 per cent respectively.

The poll also showed 22 per cent of people have no spare cash.

BRC director general Stephen Robertson added: "With one in five people saying they have no spare cash, the highest-ever recorded by this survey, customers are telling us they are cutting back on spending on all sorts of non-essentials.

"It's clear we are seeing the effects of customers' concerns about the future and about their own levels of debt."

When asked about major concerns, the economy was cited by 31 per cent of people, followed by debt (26 per cent), work/life balance (20 per cent) and immigration (16 per cent).

Wednesday, June 4, 2008

NHL Inks Sponsorship Deal With Anheuser For North America


The National Hockey League has signed Anheuser-Busch's Bud Light as official beer of the NHL through the 2010-11 seasons. While the NHL has the unique position of being a pro league with both Canadian and U.S. teams, it had not offered bi-national marketing platforms. The deal with Anheuser-Busch (and Labatt, which markets and distributes Bud Light in Canada) changes all that. Bud Light has brand category exclusivity across North America for NHL media, games and special events.


Bud Light has been the Official Beer Sponsor of the NHL since 1998, and at the local level, sponsors 21 of the league's 24 U.S. teams.

Keith Wachtel, NHL's SVP/sales and marketing, says the arrangement with A-B reflects a new league strategy of offering marketers category sponsorship in both in the U.S. and Canada, via games, NHL special events, and on NHL-controlled media.

Three years ago, Labatt signed a licensing deal to distribute Bud Light in Canada, but the NHL marketing program gives Bud Light official beer status in both countries. "That's what is unique for us," he says. "Other sports properties don't have businesses north of the border. So we are uniquely positioned to provide a North American platform for our partners."

He says the NHL controls its content, whether at NHL.com (broadband or the NHL Network, broadcast partners. "If we don't have one brand aligned, we have either conflicting messages or we eliminate a key partner.

In past years, NHL's beer partner in Canada was Labatt Blue. Wachtel says the league is trying to bring partners across borders. "For example, in our old deals, we might have Home Depot in Canada, but no home-improvement partner in the U.S." He says the league is talking to Home Depot to expand their presence to the U.S. market as well.

"Because there are differences in how the U.S. and Canada consume and view hockey, in Canada we are trying to elevate the brand; in the U.S. we are trying to activate it," he says, explaining that in Canada hockey is religion, and the NHL is not the only league. "It's their heritage and pastime, and everyone activates against hockey," he says. "We want to be at the top of the pyramid. We want everything to emanate from NHL, and we want our partners to use hockey to elevate NHL as the leading hockey brand in Canada."

In the U.S., where there is a plethora of sports, he explains, it's about awareness, and activating the partner brands against the sport of hockey, "so you look at partners using NHL in creative." Player Sidney Crosby appearing in Gatorade ads, for instance--or NHL in Pepsi Amp ads.

He says that the A-B renewal will include the beer brand's first national NHL promotion. They will put full weight behind it. We don't want people to just license the rights to NHL," says Wachtel.

The unified U.S./Canada brand approach for NHL includes more cross-national grassroots efforts, such as next year's All Star game, to be held in Canada. "Bud Light will not only be able to market and promote around the game, but leverage it on media. You will see Bud Light on the ice, on backboards."

Wachtel says NHL is working on sponsors in auto, insurance, technology and a credit card company and a Canadian wireless partner, "the first time in a long time the league has entered into exclusive content and marketing rights partnership for a Canada wireless partner."

"We have always been one of the major pro sports leagues with a great demographic of consumers; but we have developed a strategy of having a lot more to offer partners," says Wachtel. Karl Greenberg can be reached at karl@mediapost.com

Sunday, June 1, 2008

Card protection insurance


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