Japan's Panasonic projects record annual net loss (AP)

TOKYO ? Panasonic on Friday nearly doubled its projected net loss for the fiscal year to a record 780 billion yen ($10.2 billion) amid weak TV and mobile phone sales and ongoing restructuring costs after acquiring smaller Sanyo Electronics Co.

Panasonic joins Sony and Sharp as the latest major Japanese electronics maker to predict huge losses for the year through March. That reflects the battering these brand name companies have taken from the yen's surge, a weak global economy, last year's tsunami disaster as well as flooding in Thailand, which disrupted supply networks.

For the October-December quarter, Panasonic reported a net loss of 197.6 billion yen ($2.6 billion). A year earlier, it had a net profit of 40 billion yen for the same quarter.

Panasonic is streamlining its businesses and cutting jobs after acquiring Sanyo, which was strong in the solar power and rechargeable battery businesses. But some Panasonic and Sanyo products, including refrigerators and washing machines, overlap.

The larger projected annual net loss was linked largely to restructuring costs, from early retirement packages to impairment losses of fixed assets, it said.

So far, Panasonic's worst annual loss totaled 427.7 billion yen for the year through March 2002, when it was still Matsushita Electric Industrial Co.

Like both Sony and Sharp, Osaka-based Panasonic has struggled in its flat panel TV business. All three face intense competition from South Korea's Samsung Electronics Corp. and others.

Panasonic said that despite favorable sales of personal computers, sales of TVs and mobile phones declined.

The company's quarterly sales fell 14 percent to 1.96 trillion yen, it said in a release.

The yen's strength against the dollar and euro, which erodes foreign earned income when repatriated to Japan, also hurt Panasonic, which gets just under half its sales from outside the country.

Rival Sony Corp. on Thursday predicted a net loss of 220 billion yen ($2.9 billion) for the year through March, much bigger than an earlier forecast of 90 billion yen.

A day earlier, Sharp Corp. said it expected to lose 290 billion yen for the fiscal year.

Last month, Moody's Investors Service lowered its credit ratings one notch for both Panasonic and Sony amid pressure on their TV businesses.

Moody's said Panasonic's financial strength has deteriorated since it acquired the remaining stakes in Sanyo Electric Co. and Panasonic Electric Works Co. Its debt rating was lowered to A2 from A1, while Sony's credit was cut to Baa1 from A3.

Source: http://us.rd.yahoo.com/dailynews/rss/earnings/*http%3A//news.yahoo.com/s/ap/20120203/ap_on_bi_ge/as_japan_earns_panasonic

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Get A Take A Look At These Wonderful Hemorrhoids Suggestions ...

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Read all about Hemorrhoids. Lots of useful and interesting guide about Hemorrhoids Symptoms and Treatment.

Source: http://articlesbeloved.com/health-fitness/get-a-take-a-look-at-these-wonderful-hemorrhoids-suggestions

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Finance Is The "Most Lopsided Industry" When It Comes To ...

According to the MSCI World Index, finance is the most lopsided industry when it comes to?appointing women as directors and promoting them to management positions, according to data compiled by Bloomberg.?The index shows how banks, insurers and asset managers in the index of stocks in 24 markets have a disproportionately low percentage of female board members compared with employees, 51% of whom are women. Finance also scores lowest in matching the percentages of women workers and managers.?It?s ?reprehensible for an industry to have a high level of women employees and a low level of women in management and on the board,? said?Joe Keefe, chief executive officer of Portsmouth, New Hampshire-based Pax World Management LLC and chairman of the nonprofit Women Thrive Worldwide in an interview with Bloomberg. ?It is evidence of failure to hire, to promote, to retain and to mentor the women.?

Another recent?study?confirms what those of us with eyes and ears have been thinking for years: white men on Wall Street still get paid more than women and minorities. While financial firms in the New York area have been hiring more racial minorities and women over the last decade, the biggest paychecks still go to white males, according to a new study by the?City University of New York?s Center for Urban Research.?The median compensation for a white man in the financial industry between 2005 and 2009 was $154,500, 55%? more than that for a white woman.

Many women face this kind of discrimination in other industries but finance is one of the toughest, especially for those that want to have families and succeed. In the U.S., women account for only 2.7% of the chief executives in the financial industry, and 16.8% of the executive officers,?according to a study by Catalyst. Women are frequently overlooked for promotion and receive less mentoring and sponsorship than male peers, according to a report last year by?Mervyn Davies, former CEO of Standard Chartered Plc in London.The lack of women in leadership positions hurts the women coming up through the trenches that have no female mentor to look up to and aspire to be like.?Wendi S. Lazar, a partner at the law firm Outten & Golden, who has long represented female executives in finance, told?The New York Times. ?I see the same pattern over and over again,? she said. ?The women who make it to a position where they?re really going to jump up to a high level absolutely get set up to fail at that level, because the hierarchy remains male in this business.?

Helena Morrissey, CEO of Newton Investment Management Ltd., in London and founder of the 30 Percent Club, which seeks to boost women?s numbers on boards, called the disparity between women employees and directors ?rather patronizing.? Damn right, Helen. ?Well, at least the index showed industries where women are being respected and getting promoted.?The materials sector, including mining companies, does best in balancing its female workforce and directors, even though only 18% of its employees are women.

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Photo:?Antonov Roman/Shutterstock.com

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Source: http://thegrindstone.com/office-politics/finance-is-the-most-lopsided-industry-when-it-comes-to-promoting-women-900/

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Top Ways to Treat Yo' Self | Shopaholic Gift Ideas

[unable to retrieve full-text content]Our shopping and gift guides are great resources to help you find fresh gift ideas and our blog, Shopaholic, offers valuable shopping advice, deals and product reviews--all in one spot. Shopaholic covers everything from ...

Source: http://shopaholic.become.co.uk/2012/02/top-ways-to-treat-yo-self/

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Consolidating debts Loans Together with Bad Credit ranking ...

If you?re looking to consolidate your financial troubles, there are quite a lot of options that you should follow thru. All worth mentioning options have the costs together with benefits and you ought to choose one one which works best for your needs. These unsecured loans are one the place that the borrower uses something they have as collateral for any loan. Many persons find this desirable option if they are in front of financial difficulty as well as have multiple debts to. There are plenty of management agencies that are dedicated to constructing debts solutions meant for Canadians. Our debts counsellors work to supply financial solutions for decreasing personal debts.

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But the issue is almost certain to create again should sound bucks management credit card debt help are avoided. Chief Commercial Officer Scott Black claimed, ?As opposed to dealing using several loan companies, interest quotes, and such like, you only suffer from one.? ).

You might be wondering to purchase a specialist who will be competent enough to fix your finance worries. If that you?re 10,000 GBP and up in debts, you should certainly absolutely check with a online debt consolidation representative to find out what the options are. The the next thing he really should do is usually to shop around for any potential bank. Debt loan combination loan may be for a longer time of precious time or be only a few years. It can make your monthly bill paying easier and will improve your fico scores. After you will supply doing this information, the application may be submitted and you should get a fix within moments. Maintaining all that could be somewhat difficult and might even mean you have the later part of or bad payments. The request process entails the borrower to supply a listing of all loan companies and proof the balance due to each. In improvement, the borrower can be expected to supply proof likely over 18 years, are the US homeowner, their business status, street address and property finance loan or mortgage payments details.

Source: http://americanpolitik.com/?p=605

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Trusty Internet Marketing Techniques For Your Internet Business ...

Web marketing refers to any business that involves selling products online. You will learn in this article some helpful ideas for starting or expanding your own web marketing business.

Were you aware that there is one selling method that would make you a big profit almost instantly? Collaborations are probably the swiftest way to be successful online! You can use many alternative strategies to plug your products online, but if you're searching for fast profits, it?s tough to find anything better than joint venture selling. So what is concerned in joint ventures/It?s nothing apart from creating simple partnerships with other pros/marketing experts in the same niche to make mutual profits. The regular way a joint venture is done is that the profits are shared between the partners. Imagine you wrote a PDF on how golf players can improve their swing.

If you wanted to do a partnership, you might send e-mails to website owners and ezine publishers who are also selling goods in that niche. You might send them a copy of your product and ask if they?d be pleased to tell their own list about it. There's not anything for them to do but give your product a mention. Tell them that you are ready to share the profits with them and you are willing to give them a higher share. Now if your collaboration partner agrees, the mail-out to his list can create huge profits for you and him, both, making it an everybody wins situation. Always keep in mind that if you want someone to be your JV partner, your most likely chance of setting it up is to make them a good offer that they can profit from.

Are you wanting a completely free method of marketing your product? If yes, then article promoting is something you need to try. Many net marketers use this free method of online marketing until they can afford to take a position in other techniques. You can get your articles circulated all over the web and get plenty of traffic, all absolutely free.

After you have written a few articles that target customers in your niche, you simply submit them to applicable sites, directories, newsletters and that kind of stuff. Articles that you submit can remain online for a while and other sites often pick them up, which brings you long lasting and highly targeted traffic. If you want to try faster, paid advertising techniques like PPC, article promotion will help you create some profits so you?ll have cash to speculate in these other strategies. With bum marketing, you have a free strategy you can use until you're ready for the very next step.

Social promoting is one of the fasting growing methods to market products on the internet. Social media sites like facebook and twitter offer great marketing opportunities and big audiences. Using these sites enables you to build your brand and drive targeted traffic to your internet site. To help separate you from each one else, brainstorm new secrets and experiment to see what works. So remember, internet marketing can be a highly lucrative business when handled correctly. Doing this creates what we call Seo Magic

Rachel Green works for Magic Seo. At Magic Seo we have only a single purpose: that is to develop what we call Seo Magic. We outline that as continual climbing in the serps and keeping an eye on what your competition are doing. The worst thing in the entire world is to wake up day and come across that your competetion out of nowhere has taken over your search phrases. We want Search engine optimisation to be so effortless it really is magic

Source: http://newblogtips.com/index.php/2012/02/trusty-internet-marketing-techniques-for-your-internet-business/?utm_source=rss&utm_medium=rss&utm_campaign=trusty-internet-marketing-techniques-for-your-internet-business

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The Catholic Church vs. 'ObamaCare' (The Week)

New York ? The feds will soon require religiously affiliated hospitals and colleges to offer insurance coverage for contraception. Does that violate the first amendment?

U.S. Catholic leaders are "fighting mad with the Obama administration," says Michael Brendan Dougherty at?Business Insider, and they're taking the fight to the pews. Over the weekend, Catholic parishioners nationwide were read letters from their bishops decrying the feds' recent decision to require religiously affiliated hospitals, colleges, and charities to offer insurance coverage for contraception, sterilization, and the "morning-after" pill ? all of which the Catholic Church officially opposes. Churches themselves were given a religious exemption from the new rule, which is part of Obama's health care reform, but the bishops said forcing other Catholic institutions to comply violates "the fundamental right to religious liberty" guaranteed in the Constitution. American Catholics don't agree with the church on birth control ? 95 percent use contraceptives, and 89 percent say it's their choice, not the church's. Still, is the Obama administration abusing its power?

These rules are perfectly reasonable: Catholic schools and hospitals hire and serve people of many different faiths, says Kevin Drum at?Mother Jones. And if these institutions "don't want to follow reasonable, 21st century secular rules... they need to stop taking secular taxpayer money." Pretend that instead of the Catholic Church and the pill, we were "talking about, say, an Islamic hospital insisting that its employees bind themselves to sharia law." Obama critics would surely be "a wee bit more understanding" of his position.
"If you take taxpayer money, you have to follow taxpayer rules"

Liberals will rue this "overreach": "It is Catholic hospitals today; it will be someone else tomorrow," says Ross Douthat in The New York Times. Now that liberals have made the health bureaucracy into "an instrument of culture war," it will be used to bludgeon them when the next administration takes control. But for now, Catholic institutions that serve the poor and sick face a "preposterous" choice: "Pay for practices they consider immoral," hire and serve only Catholics, or stop serving anybody.
"Government and its rivals"

Good thing we have a year to figure this out: There are compelling arguments on both sides, but we aren't working in a vacuum, says National Catholic Reporter in an editorial. Catholic institutions have until August 2013 to comply, and "it is worth taking the year to investigate how this matter is handled in those [28] states that [already] require religious institutions to cover contraception," and "in other countries where national health plans make contraceptives available to all." This can work ? but we have to be reasonable and thoughtful, and reject the "hyperbole that boils so close to the surface."
"Issues of conscience, without hyperbole"

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Source: http://us.rd.yahoo.com/dailynews/rss/oped/*http%3A//news.yahoo.com/s/theweek/20120131/cm_theweek/223860

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