Saturday, November 10, 2012

Judge approves settlement with retailers over swipe fees | Business ...

Retailers are disappointed to hear U.S. Court Judge John Gleeson gave preliminary approval of the swipe fee settlement after hearing arguments in Brooklyn, N.Y. on Friday (Nov. 9).

Little-Rock-based Dillard?s was one of a dozen retailers who asked the court to reconsider the settlement on Nov. 1 based on the legal flaws.

But the court looked beyond that argument on Friday and granted preliminary approval of the class-action settlement which stems from an antitrust lawsuit over the $30 billion annual credit card swipe fees charged by Visa and MasterCard.

?We respectfully disagree with the court?s assessment of the proposed settlement,? said Mallory Duncan, general counsel for the National Retail Federation. ?We do not believe the proposal meets the legal tests required to meet even preliminary approval. Retailers, their customers and competition would suffer irreparable harm if this one-sided deal is allowed to move forward. We will consult with our attorneys and act as soon as possible to correct this injustice.?

Wal-Mart never supported the $7.25 billion settlement offered by the court and urged other retailers to reject it as well.

?The proposed settlement would not structurally change the broken market or prohibit credit card networks from continually increasing hidden swipe fees, which already cost consumers tens of billions of dollars each year. The proposed settlement would require merchants to broadly waive their rights to take action against the credit card networks for detrimental conduct or acts. We believe the proposed settlement would also constrain emerging payments innovation. As Wal-Mart continues to seek reform that will provide transparency and true competition among financial institutions, we encourage all merchants to put consumers first and reject the settlement,? according to a statement on Wal-Mart?s corporate website.
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Duncan says the proposal benefits no one but the attorneys involved. Retailers have argued the settlement? does not bring about any reform, but it does put the credit card companies beyond the reach of the law for any future indiscretions on pricing strategies.

NRF is not a party to the lawsuit, but its members and the companies named in the brief would be affected if the case is approved as a class action. Arguments were also heard on briefs filed by other opponents, including retailers and associations who were parties to the suit but who have rejected the proposal.

NRF opposes the settlement because it fails to reform the cartel-like system where Visa and MasterCard set a rigid schedule of swipe fees that all banks follow. The trade group says while merchant bargaining groups could be recognized and while some merchants would theoretically be given the right to surcharge as a bargaining chip to hold down fees, the provision is subject to a wide variety of card company restrictions. It is also illegal in 10 states, and ignores the goal of merchants to reduce prices paid by their customers, according to Duncan.

While the $7.25 billion figure has been touted as a record antitrust settlement, NRF and its members believe effective injunctive relief that would keep fees from rising going forward is more important. The amount represents less than three months? worth of swipe fee collections despite the eight-year period covered by the lawsuit.

Source: http://www.thecitywire.com/node/25071

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Twitter mistakenly resets passwords of large number of users

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Source: http://news.yahoo.com/twitter-mistakenly-resets-passwords-large-number-users-182108597--sector.html

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Smashwords ? How to Blog ? A book by Sylvester Oti

Rating: Not yet rated.

Published: Nov. 08, 2012

This E-Book Contains Simple Step-by-Step Guide
Even a Dummy Can Understand and Implement

Graphic Illustration of the Set-Up Procedure in Living Colour

Provides You a Platform to Express Yourself by
Publishing What You Want People to Read

With Blog, You Can Make Your Presence/Business Visible to Over 2 Billion Internet Users All Over the World

Shows You How to Monetize and Make Cool, Extra Money With Your Blog Site

A Work from Home Exercise that Affords You the Time and Financial Freedom to Live the Life Style of Your Choice
(Less)

Format Full Book Sample First 10% Online Reading (HTML, good for sampling in web browser)BuyView sampleOnline Reading (JavaScript, experimental, buggy)BuyView sampleKindle (.mobi for Kindle devices and Kindle apps)BuyDownload sampleEpub (Apple iPad/iBooks, Nook, Sony Reader, Kobo, and most e-reading apps including Stanza, Aldiko, Adobe Digital Editions, others)BuyDownload samplePDF (good for reading on PC, or for home printing)BuyNo sample availableRTF (readable on most word processors)BuyNo sample availableLRF (Use only for older model Sony Readers that don't support .epub)BuyDownload samplePalm Doc (PDB) (for Palm reading devices)BuyDownload samplePlain Text (download) (flexible, but lacks much formatting)BuyNo sample availablePlain Text (view) (viewable as web page)BuyNo sample available

This book has not yet been reviewed.

Source: http://www.smashwords.com/books/view/253030

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Thursday, November 1, 2012

Obese teens have increased risk for kidney disease | MNN - Mother ...

A new study brings more bad news to kids and teens suffering from childhood obesity. According to a 30-year study compiled by Israeli researchers, obese and overweight teens may be at higher risk for developing advanced kidney disease as adults.

?

The report, which was recently published in the Archives of Internal Medicine, followed 1.2 million 17-year-olds ?over a 30-year period. For their first assessment, the teens were examined before they entered into Israeli military service between January 1967 and December 1997. Over 30 years of follow-up, they found more than 700 men and 160 women developed end-stage kidney disease. ?

?

Overall, they estimated that being overweight or obese as a teen increased a child's risk of developing end-stage kidney disease as an adult. The risk increased sixfold for those who were overweight and 19 times for those who were obese. ?

?

However the researchers also noted that this risk decreased dramatically for teens who were able to lose the weight. ?

?

?

Source: http://www.mnn.com/health/fitness-well-being/blogs/obese-teens-have-increased-risk-for-kidney-disease

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Hurricane Sandy dents GM vehicles sales in northeast

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Microsoft drops Windows Phone Store developer registration to $8 for eight days

Microsoft drops Windows Phone Store developer

How amped is Microsoft to get developers into the Windows Phone 8 Store? The company announced today at Build that it's lowering developer registration to $8 -- that's down from $99. Got to get in there quick, however -- that price is only good for the next eight days. Seems to be some kind of theme here, no?

Update: Looks like the discount situation is a little more involved than just that. According to Microsoft, "You'll be charged $99 USD or equivalent in your local currency, and we'll refund the difference in the next 30 to 45 days." Ninety-two percent discounts don't just happen overnight, after all.

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Microsoft drops Windows Phone Store developer registration to $8 for eight days originally appeared on Engadget on Tue, 30 Oct 2012 13:58:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2012/10/30/microsoft-drops-windows-phone-store-developer-registration-to-8/

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