Experiential Travel Benefits - Neil Bennion's Travel Speech Explores Narrative and New Experiences (TrendHunter.com)

(TrendHunter.com) In his travel speech, Neil Bennion explains the benefits of travelling with a narrative as evidenced by his own experiences. The speaker tells the story of how he decided to go to Colombia to learn...

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Online: BMW M235i Driftmob


Hollywood director Mic Rogers is at the helm of the world's first flashmob with drifting cars in South Africa. Whatâs the best way to showcase the superior driving dynamics of the new BMW M235i Coupé? Interone came up with an unprecedented driving spectacle in Cape Town in which the streets were transformed into the stage for a Driftmob show. While flash mobs are a long-established phenomenon, the Driftmob is something completely new. Five BMW M235i Coupes took to the city streets and, in what seemed like a spontaneous turn of events, converted an urban roundabout into a film set with five of the worldâs best and most experienced stunt-drivers behind the wheel, and under the expert guidance of Hollywood director Mic Rodgers (Action Unit "The Fast and the Furious"). The result was a superb clip featuring smoking tyres and a veritable goosebump guarantee. Brand: BMW URL: http://ift.tt/1lhU79R Media: Online Category: Automotive Agency: Interone Geo: Germany BMW: BMW M235i Driftmob Advertising Agency: Interone, Germany Chief Creative Officer: Michael Ohanian Executive Creative Directors: Max Lederer, Thomas Heinz Creative Directors: Florian Barthelmess, Björn Neugebauer Copywriter: Daniel Ernsting Art Directors: Jonathan Roolf, Christian Petersen, Erik Bierschenk, Till Heumann Accounts: Jan Anderßen, Wolf Bockelmann Production: Julian Holland, Hermann Krug






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Print ads: Dawn of Woman, 1


Brand: Kjær København Media: Outdoor Category: Fashion Agency: Ogilvy Geo: Denmark Kjær København: Dawn of Woman, 1 Advertising Agency: Ogilvy, Copenhagen, Denmark Art Director: Claus Collstrup Photographer: Thomas Juul Digital Artist: Mogens Wittrup Published: August 2014






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Print ads: Dawn of Woman, 2


Brand: Kjær København Media: Outdoor Category: Fashion Agency: Ogilvy Geo: Denmark Kjær København: Dawn of Woman, 2 Advertising Agency: Ogilvy, Copenhagen, Denmark Art Director: Claus Collstrup Photographer: Thomas Juul Digital Artist: Mogens Wittrup Published: August 2014






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Print ads: Dawn of Woman, 3


Brand: Kjær København Media: Outdoor Category: Fashion Agency: Ogilvy Geo: Denmark Kjær København: Dawn of Woman, 3 Advertising Agency: Ogilvy, Copenhagen, Denmark Art Director: Claus Collstrup Photographer: Thomas Juul Digital Artist: Mogens Wittrup Published: August 2014






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Online: YouTube Preroll


Brand: Nail Media: Online Category: Agency self-promo Agency: Nail Geo: United States Nail: YouTube Preroll Advertising Agency: Nail, Providence, USA via Adweek






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Print ads: Believe


Engine Group launches a new integrated branding campaign for Evocca College. Category: Education Client: Evocca College Agency: Engine Group Production: Taxi Film Production Country: Australia Director: Israel Rivera Creative Director/ art director: kory mcavoy Creative Director/ writer: Merrin McCormick Producer: simone mackie Visual Effects: Gwynn Dixon Graphic Designer: Megan Nguyen Account Director: Sarah Deery Post production: Taxi Film Production Post production: The Post Lounge Agency Producer: Georgia Martin Composer: Simon Irving Photographer: Israel Rivera






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Print ads: Arrows


Engine Group launches a new integrated branding campaign for Evocca College. Category: Education Client: Evocca College Agency: Engine Group Production: Taxi Film Production Country: Australia Director: Israel Rivera Creative Director/ art director: kory mcavoy Creative Director/ writer: Merrin McCormick Producer: simone mackie Visual Effects: Gwynn Dixon Graphic Designer: Megan Nguyen Account Director: Sarah Deery Post production: Taxi Film Production Post production: The Post Lounge Agency Producer: Georgia Martin Composer: Simon Irving Photographer: Israel Rivera






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Print ads: Tree


Engine Group launches a new integrated branding campaign for Evocca College. Category: Education Client: Evocca College Agency: Engine Group Production: Taxi Film Production Country: Australia Director: Israel Rivera Creative Director/ art director: kory mcavoy Creative Director/ writer: Merrin McCormick Producer: simone mackie Visual Effects: Gwynn Dixon Graphic Designer: Megan Nguyen Account Director: Sarah Deery Post production: Taxi Film Production Post production: The Post Lounge Agency Producer: Georgia Martin Composer: Simon Irving Photographer: Israel Rivera






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Online: The Gentleman's Wager


Brand: Johnnie Walker Agency: Anomaly, New York Production: RSA Films Media: Online Category: Alcoholic Drinks Geo: United Kingdom Johnnie Walker Blue Label: The Gentleman's Wager Director: Jake Scott Producers: Jules Daly, Tracie Norfleet Executive Producer: Winslow Dennis Director of photography: John Mathiesson Production Designer: Joseph Bennett Composer: Colin Smith Copywriters: Mike Byrne, Dave Douglas






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Financing for Businesses

You are about to realize the dream of a lifetime : starting a business. For a company, particularly a start-up one, financing is a crucial step, essential to the survival of the business. For your project to be successful, a variety of options are offered for you to acquire the necessary funds.


Business growth funding


Bank loan


Self-explanatory, this term means to loan a specific amount to the bank in order to finance customer accounts, inventories, purchase of equipment or other expenses related to the business. It is an easy path; however, it has its limitations, particularly when it comes to your borrowing capacity.…






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Print ads: Gordon Brown


The Royal British Legion and RCKR/Y&R is embarking on the largest act of commemoration the United Kingdom has ever known, to remember every fallen soldier of the First World War. To raise awareness for the campaign, they created print ads to memorialise some of fallen soldiers with familiar names. Category: Charities & appeals URL: http://ift.tt/1btsoRF Client: The Royal British Legion Agency: RKCR/Y&R London Country: United Kingdom Executive Creative Director: Mick Mahoney Creative Director: Andy Amadeo Art Director: Freddie Wood Copywriter: Psembi Kinstan Designer: Anthony McDonald






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Print ads: Tom Jones


The Royal British Legion and RCKR/Y&R is embarking on the largest act of commemoration the United Kingdom has ever known, to remember every fallen soldier of the First World War. To raise awareness for the campaign, they created print ads to memorialise some of fallen soldiers with familiar names. Category: Charities & appeals URL: http://ift.tt/1btsoRF Client: The Royal British Legion Agency: RKCR/Y&R London Country: United Kingdom Executive Creative Director: Mick Mahoney Creative Director: Andy Amadeo Art Director: Freddie Wood Copywriter: Psembi Kinstan Designer: Anthony McDonald






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Print ads: Andy Murray


The Royal British Legion and RCKR/Y&R is embarking on the largest act of commemoration the United Kingdom has ever known, to remember every fallen soldier of the First World War. To raise awareness for the campaign, they created print ads to memorialise some of fallen soldiers with familiar names. Category: Charities & appeals URL: http://ift.tt/1btsoRF Client: The Royal British Legion Agency: RKCR/Y&R London Country: United Kingdom Executive Creative Director: Mick Mahoney Creative Director: Andy Amadeo Art Director: Freddie Wood Copywriter: Psembi Kinstan Designer: Anthony McDonald






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Print ads: Harry Styles


The Royal British Legion and RCKR/Y&R is embarking on the largest act of commemoration the United Kingdom has ever known, to remember every fallen soldier of the First World War. To raise awareness for the campaign, they created print ads to memorialise some of fallen soldiers with familiar names. Category: Charities & appeals URL: http://ift.tt/1btsoRF Client: The Royal British Legion Agency: RKCR/Y&R London Country: United Kingdom Executive Creative Director: Mick Mahoney Creative Director: Andy Amadeo Art Director: Freddie Wood Copywriter: Psembi Kinstan Designer: Anthony McDonald






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Print ads: Alex Ferguson


The Royal British Legion and RCKR/Y&R is embarking on the largest act of commemoration the United Kingdom has ever known, to remember every fallen soldier of the First World War. To raise awareness for the campaign, they created print ads to memorialise some of fallen soldiers with familiar names. Category: Charities & appeals URL: http://ift.tt/1btsoRF Client: The Royal British Legion Agency: RKCR/Y&R London Country: United Kingdom Executive Creative Director: Mick Mahoney Creative Director: Andy Amadeo Art Director: Freddie Wood Copywriter: Psembi Kinstan Designer: Anthony McDonald






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Print ads: Never lose them again


Attach the SSASS i-Tag to your key ring and never lose them again.Agency: SHED, Perth Category: Home electronics Client: SSASS Products Agency: SHEDcsc Country: Australia Executive Creative Director: Andrew Tinning Creative Director: Drew Ridley Art Director: Drew Ridley Copywriter: Andrew Tinning Art Director: Matt Ridley Client-Leemarita Guy Wallis






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Print ads: Desert


Brand: Honda Media: Print Category: Automotive Agency: McCann Geo: Israel Honda CRF250R: Desert For the week and its end. CRF250R with road & off road capabilities. Advertising Agency: Mccann, Tel Aviv, Israel Creative Director: Sigal Abudi Art Director: Gilad Hirsch Copywriter: Asaf Tamir






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Print ads: Swamp


Brand: Honda Media: Print Category: Automotive Agency: McCann Geo: Israel Honda CRF250R: Swamp For the week and its end. CRF250R with road & off road capabilities. Advertising Agency: Mccann, Tel Aviv, Israel Creative Director: Sigal Abudi Art Director: Gilad Hirsch Copywriter: Asaf Tamir






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Print ads: Woods


Brand: Honda Media: Print Category: Automotive Agency: McCann Geo: Israel Honda CRF250R: Woods For the week and its end. CRF250R with road & off road capabilities. Advertising Agency: Mccann, Tel Aviv, Israel Creative Director: Sigal Abudi Art Director: Gilad Hirsch Copywriter: Asaf Tamir






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Print ads: Lemur


Brand: Audi Media: Print Category: Automotive Agency: DDB Geo: Turkey Audi: Lemur Audi Q5. Rearview camera standard. Advertising Agency: DDB, Istanbul, Turkey Executive Creative Director: Karpat Polat Copywriter: Tolga Mutlu Art Director: Canhur Aktuglu Account Manager: Gulin Erdogan






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Print ads: Chameleon


Brand: Audi Media: Print Category: Automotive Agency: DDB Geo: Turkey Audi: Chameleon Audi Q5. Rearview camera standard. Advertising Agency: DDB, Istanbul, Turkey Executive Creative Director: Karpat Polat Copywriter: Tolga Mutlu Art Director: Canhur Aktuglu Account Manager: Gulin Erdogan






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Print ads: Monkey


Brand: Audi Media: Print Category: Automotive Agency: DDB Geo: Turkey Audi: Monkey Audi Q5. Rearview camera standard. Advertising Agency: DDB, Istanbul, Turkey Executive Creative Director: Karpat Polat Copywriter: Tolga Mutlu Art Director: Canhur Aktuglu Account Manager: Gulin Erdogan






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Make Your Employees Feel Powerful

Research has shown that helping employees feel more powerful can improve productivity, performance, and job satisfaction. Delegate important tasks, communicate frequently, and encourage them to share their views on important issues. You don't have to elevate every staff member to a leadership position, but you can offer choices that lead to greater autonomy. Giving them some choice, in the way they do their work or the projects they work on, can make a big difference — no title required. People crave a sense of control over their situation. Giving it to them will help you develop your direct reports into independent thinkers who are invested in moving the organization forward.



Adapted from "Make Your Team Feel Powerful" by Harrison Monarth.





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Obamacare Is More Unpopular Than Ever, Poll Shows

A majority of Americans disapprove of Obamacare, the highest share since President Barack Obama's health care reforms became law more than four years ago, according to survey findings released Friday.



The Henry J. Kaiser Family Foundation's health care tracking poll for July reveals that 53 percent of people view the Affordable Care Act unfavorably, a jump of 8 percentage points since June. July's results mark the fifth time since April 2012, and the first time since January, that at least half of Americans are not supportive of the health care reform law.



The poll found that the share of people who view Obamacare favorably fell slightly, to 37 percent, marking the lowest rating the law has received since its passage. Views about the ACA remain sharply partisan.




Most People Don't Like This Obamacare Thing





obamacare poll



The rising opposition to the Affordable Care Act and the corresponding sinking approval come despite Obamacare's rebound from the disastrous, chaotic launch of HealthCare.gov and the first enrollment period that began last fall.



By April, more than 8 million people had used the law's health insurance exchanges to sign up for private coverage, with 86 percent of enrollees receiving financial assistance. Millions more enrolled into Medicaid or the Children's Health Insurance Program, which offers insurance to children in families with incomes too high for Medicaid.



The law also appears to be significantly reducing the ranks of the uninsured. According to the Department of Health and Human Services, the number of uninsured people in the nation has dropped by 10 million people because of Obamacare enrollment.



But Obamacare has always had weak support among the American public. Previous Kaiser Family Foundation surveys show only three months since Congress passed the law in March 2010 when more people approved than disapproved.



The list of reasons is lengthy. Republicans have been unrelenting in their attacks, such as the lawsuit planned by House Speaker John Boehner (R-Ohio) against Obama for delaying the law's employer mandate. The public has remained strongly opposed to key features of the law, especially its individual mandate that nearly everyone obtain health coverage, and memories linger of Obama's broken promise that people would be able to keep their current insurance policies. Polls also show that many Americans, including the uninsured, believe they can't afford the insurance sold on the Obamacare exchanges, and aren't aware that financial assistance is available.



And alongside bits of good news for Obama, like the falling number of uninsured Americans, is more bad news, like a federal appeals court ruling last week that would devastate Obamacare, and a federal audit this week concluding the HealthCare.gov debacle still isn't fully resolved.



The new Kaiser Family Foundation survey shows how Americans' perceptions of Obamacare are shaped. Less than half of those polled had discussed the Affordable Care Act with family or friends, and just over half had seen TV ads about it. However, what people did talk about or see was negative.




If People Hear About Obamacare, It's Likely To Be Something Bad





obamacare poll



More than half of respondents said they hadn't personally been affected by Obamacare. Of the people who said they had been affected, more were likely to say it had harmed them or their families than helped.



Another Kaiser Family Foundation report, published last month, got markedly different results when polling only those who had enrolled into coverage through the Obamacare exchanges. More than half of the people who used a health insurance exchange, and 60 percent of those who received financial assistance, said they had benefitted from the law.



Even as many people expressed negative opinions about the Affordable Care Act, the poll also found that 60 percent of Americans don't favor repealing it (the GOP's standard take when it comes to the law). Instead, people said they want Congress to improve the law. These views also fell along party lines.




Repair, Not Repeal And Replace






obamacare poll



Moreover, Americans seem to want Obama and Congress to work on subjects other than health care reform, the survey shows.




There's More To Life Than Obamacare





obamacare poll



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Connected Stories - Natalie Warne's Story Talk Explains How Life is a Network of Shared Experiences (TrendHunter.com)

(TrendHunter.com) In her story talk, Natalie Warne references a previous TedxTalk and discusses her idea that a story never stands alone and that stories connect us. People have a choice to amplify the stories of the...

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Big Banks Remind Us Why We Should Be Scared

Three separate events in Washington Thursday served as reminders that America’s big banks continue to pose risks to college students, consumers, and taxpayers.



Sen. Elizabeth Warren (D-Mass.), the Center for American Progress and the U.S. Public Interest Research Group were among lawmakers and organizations warning that college students and their families are being harmed by financial institutions that either refuse to reduce student debts, push borrowers into default, or prey on low-income students through campus-sponsored banking products that hit them with high fees when they try to access their federal student loans.



Meanwhile, the federal Consumer Financial Protection Bureau said it would explore whether new rules were needed to limit the tens of billions of dollars in overdraft fees large banks reap at the expense of households. The agency found that consumers, on average, pay higher fees than the amount by which they’ve overdrawn their accounts.



And an 18-month examination by the Government Accountability Office found that investors likely perceived the nation’s largest banks as “too big to fail” in the years immediately before and after the latest financial crisis, resulting in lower funding costs than their smaller peers simply because investors thought that taxpayers would prop up a failing big bank. Though the watchdog’s report carried "a heavy dose of caution and nuance,” its main author, Lawrance Evans, told the Senate Banking Committee, the same probably would happen in another financial crisis as investors would assume that federal authorities would use taxpayer funds to prevent a big bank from failing. Washington trade associations representing big banks and the Treasury Department cheered part of the report that noted big banks may have had to pay investors more to fund their operations last year than small banks -- evidence, they said, that "too big to fail" is over.



Six years after the height of the financial crisis that triggered the most punishing economic downturn since the Great Depression, Thursday’s reports and warnings collectively suggested that the measures President Barack Obama signed into law four years ago intending to prevent another financial crisis didn’t go far enough.



“These banks are not just too big to fail,” Sen. Sherrod Brown (D-Ohio) said during an interview with Bloomberg TV. “They're too complex to regulate. They're too big or too complicated to manage. Look at the problems these largest banks have had.”



Since 2008, big U.S. and foreign banks have spent close to $100 billion to settle federal and state allegations of wrongdoing, including accusations that they:



1) Illegally seized borrowers’ homes.

2) Cheated towns across the country that had issued debt.

3) Ripped off troops.

4) Manipulated benchmark interest rates.

5) Misled investors when selling them home loans that had been bundled into securities.

6) Duped homeowners into taking out expensive mortgages.

7) Rigged markets to bolster their trading positions.

8) Processed payments for alleged terrorists and genocidal regimes.

9) Helped Americans evade U.S. taxes.

10) And enabled Mexican drug cartels to launder their money.



Authorities also have accused large financial institutions of misdeeds that include ignoring signs that Bernie Madoff was engaged in a massive Ponzi scheme, and tricking households into paying for worthless credit card products. In most of the settlements that ended government probes into banks’ misbehavior, the banks neither admitted nor denied wrongdoing.



Regulators around the world now are investigating whether big banks attempted to manipulate the foreign exchange market, where currency prices are set and more than $5 trillion is exchanged daily.



Last year, during a speech focused on banks perceived to be “too big to fail,” one of the top U.S. financial regulators said that some of America’s largest financial institutions appear to lack respect for "law, regulation and public trust."



“There is evidence of deep-seated cultural and ethical failures at many large financial institutions,” William Dudley, president and chief executive officer of the Federal Reserve Bank of New York, said in November.



Brown suggested that the litany of wrongdoing committed by big banks stems from the perception that they're either too big or important to be allowed to fail. “Ultimately the problem is that this just encourages risky behavior,” Brown said.



Some of the behaviors that could be considered risky or wrong were detailed on Thursday.



In its report and during an accompanying call with the news media, the federal consumer bureau noted that the typical fee consumers pay when overdrawing their bank account is $34. But those fees are usually levied for transactions of $24 or less, and the majority of overdrafts are repaid to banks within three days.



“If a consumer were to get a loan on those terms, that would equate to an annual percentage rate of over 17,000 percent,” said Richard Cordray, CFPB director. “Overdraft fees should not be ‘gotchas’ when people use their debit cards.”



Cordray added: “We need to determine whether current overdraft practices are causing the kind of consumer harm that the federal consumer protection laws are designed to prevent.”



In response to the CFPB’s report, Richard Hunt, president and chief executive of the Consumer Bankers Association, a Washington trade group, said, “These debit card services are completely optional, and consumers who freely choose to utilize the service can subsequently opt-out at any time.”



Separately, during a hearing held by the Senate Banking Committee, Christine Lindstrom of the U.S. Public Interest Research Group warned lawmakers that students at colleges that have entered into partnerships with individual banks typically get a raw deal through steep and unusual fees, such as being charged for not using their debit cards.



“On a college campus where students are a captive audience and a bank is getting an exclusive deal, that deal should actually be far superior for the students who are exposed to that deal and being marketed to than is available on the open market. But, in fact, that is not the case,” Lindstrom said.



The hearing touched on a variety of bank-caused concerns bedeviling college students and recent graduates, including lenders’ reluctance to forgive education debt incurred by students who subsequently died and saddled their parents with the bills. Hunt, the financial industry representative, said he expects banks to broaden their efforts to help borrowers in distress.







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Obamacare Subsidy Case Could Be Reviewed By Supreme Court



July 31 (Reuters) - The U.S. Supreme Court has been asked to review a case about whether the federal government can subsidize health insurance for millions of Americans, a party involved in the lawsuit said on Thursday.



The petition requests the U.S. high court decide the issue after two lower U.S. court rulings created uncertainties last week regarding the legitimacy of subsidies for individuals enrolled on federally run exchanges under the Affordable Care Act, or Obamacare.



The Competitive Enterprise Institute, which is coordinating and funding the cases, filed the petition, according to the not-for-profit's website. (http://bit.ly/1tA8r5x)



The twin appeals court rulings, handed down by three-judge panels in Washington, D.C., and Richmond, Virginia, fell in line with partisan disagreements over healthcare reform. Two judges appointed by Republican presidents decided against the administration in the District of Columbia and three judges appointed by Democrats ruled in favor in Virginia.



The U.S. Court of Appeals for the District of Columbia Circuit ruled in a 2-1 decision that the language in the Affordable Care Act dealing with subsidies shows they should only be provided to consumers who purchase benefits on exchanges run by individual states.



However, plaintiffs in the D.C. Circuit case, known as Halbig v. Burwell, claimed that Congress did not intend to provide subsidies through federally operated marketplaces.



While the Supreme Court has broad discretion over which cases to take, a split among lower courts can be a big factor in its deciding whether to hear an appeal.



The Supreme Court upheld the Obamacare law on constitutional grounds in 2012 but allowed states to opt out of a major provision involving Medicaid coverage.



Analysts estimate that as many as 5 million people could be affected if subsidies disappear from the federal marketplace, which serves 36 states through the website HealthCare.gov. (Reporting by Narottam Medhora and Amrutha Penumudi in Bangalore; Editing by Lisa Shumaker)





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Matarazzo: Rock The Pasta

















Advertising Agency: Madre, Buenos Aires, Argentina

Production Company: argentinacine

Directors: Gimenez Zapiola, Hernan Correra

General production: German Escande

Postproduction company: Pickle House

Postproduction directors: Aldo Ferrari, Susana Leunda

Sound: Tres Sonidos

Music: Highway Star Deep Purple and Animal Music







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Johnnie Walker Blue Label: The Gentleman's Wager

















Director: Jake Scott

Producers: Jules Daly, Tracie Norfleet

Executive Producer: Winslow Dennis

Director of photography: John Mathiesson

Production Designer: Joseph Bennett

Composer: Colin Smith

Copywriters: Mike Byrne, Dave Douglas







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BT's TV customer growth slows but broadband market share grows

Company's rate of net new TV subscribers has slowed to 40,000, the lowest rate for five quarters

BT has outperformed City forecasts thanks to strong demand for fibre broadband lines, but growth in its pay television business has slowed.


Group revenues in the June quarter were ahead of forecasts, but down 2% on last year to £4.4bn, with only the consumer division posting growth. Adjusted pre-tax profits were up 7% to £638m.


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Online: Remember this child? - Abrinq "Slides"


Brazilian presidential candidates´ childhood in NEOGAMA/BBH campaign for Fundação Abrinq Save the Children. Agency: Neogama/BBH World Chief Creative Officer: Alexandre Gama Creative Director: Márcio Ribas Copywriter: Alexandre Catarino Art Director: Daniel Ottoni Head of production: Mariah Bayeux Producer: Paula Alimonda Editor: Roger Pereira Art Buyers: Daniela Grandini e Vanessa Raad Account managers: Mauro Sato and Guilherme Nogueira Media: Luiz Gini, Giuliana Chekin and Karem Pugliesi Planning: Eduardo Lorenzi, Luciano Di Eugenio e Felipe Volpintesta Post Production: Effecktron Sound: Loud Client approval: Victor Alcantara






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Online: Wedding Night.....


Bell Direct targets smarter traders with 'Why be smart, when you can be smarter' online campaign via Matterhorn, Sydney Bell Direct has launched an online campaign targeting active traders which positions Bell Direct as the online broker that helps make "smart investors smarter". The campaign runs across all digital channels and includes a content film, banners, pre rolls and microsite. Category: Finance & insurance URL: http://ift.tt/1rK84B7 Client: Bell Direct Agency: matterhorn Production: Filmgraphics Entertainment Country: Australia Director: gracie otto Creative Director: matt kemsley Creative Director: Garry Horner Producer: Anna Fawcett Account Director: Tanya Shattock DoP: Matt Stewart Sound: We Love Jam Post production: Method Studios Editor: Suga Suppiah Planning Partner: Julian Martin Production Manager: Tracey Lee Purmall Client: CEO Arnie Selvarajah Digital Production: BMA, Terry Barnes, Landon Curry & Tom Kutaj Copywriter: Mike Boswell






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Scandals dent profits at Lloyds as PPI bill rises £600m

As well as the provisions for mis-selling PPI and the cost of the Libor rigging, Bank signals further fines to come by setting aside another £225m

Profits at Lloyds Banking Group have been hit by a further £600m provision for mis-sold payment protection insurance, along with its £226mpenalty for rigging interest rates.


As he reported results for the 24%-taxpayer owned bank, Lloyds chief executive António Horta-Osório apologised for the Libor rigging, but warned of further penalties to come.


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Shell to buy back $30bn of shares as profits double

Oil company takes advantage of higher oil prices and improved performance to reward investors with increased dividends and share buybacks

Shell has committed itself to spending over $30bn (£17.7bn) buying back its shares and handing out higher dividends over two years.


The promise came as the Anglo-Dutch business more than doubled second quarter profits to $5.1bn as measured on a current cost of supplies basis.


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Online: Bell Direct Online #3


Bell Direct targets smarter traders with âWhy be smart, when you can be smarterâ online campaign via Matterhorn.Bell Direct has launched an online campaign targeting active traders which positions Bell Direct as the online broker that helps make 'smart investors smarter'. The campaign runs across all digital channels and includes a content film, banners, pre rolls and microsite.Says Bell Direct CEO Arnie Selvarajah: 'Having been created by Bell Potter, a well recognized broker and not a banker, we have a unique online broking offering. We truly understand the needs of the active trader and this campaign taps into the insight that these people, regardless of where they are or what they are doing, are always fully engaged with the market, just like Bell Direct. And because of that obsession weâ'l always provide smarter opportunities to those who trade with Bell Direct.â The content piece was directed by Gracie Otto, from Filmgraphics Entertainment who said 'It was fun bringing the world of an obsessed trader to life, especially as it has such a nice twist at the end.'Matt Kemsley from Matterhorn added âBell Direct offers best of breed service, in depth research, live streaming and fast and easy platform performance, it really understands its audience, how they engage with the market and the fact that they also have a sense of humour!' Garry Horner from Matterhorn added: 'Arnie demanded stand-out creativity for this campaign, this gave us the opportunity to work with some of the best people in Sydney and let them really flex their muscles, the results speak for themselves and weâre thrilled.' Category: Finance & insurance Client: Bell Direct Agency: matterhorn Production: Filmgraphics Entertainment Country: Australia Director: gracie otto Creative Director: matt kemsley Creative Director: Garry Horner Producer: Anna Fawcett Account Director: Tanya Shattock DoP: Matt Stewart Sound: We Love Jam Post production: Method Studios Editor: Suga Suppiah Planning Partner: Julian Martin Production Manager: Tracey Lee Purmall Client: CEO Arnie Selvarajah Digital Production: BMA, Terry Barnes, Landon Curry & Tom Kutaj Copywriter: Mike Boswell






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Online: Bell Direct Online #4


Bell Direct targets smarter traders with âWhy be smart, when you can be smarterâ online campaign via Matterhorn.Bell Direct has launched an online campaign targeting active traders which positions Bell Direct as the online broker that helps make 'smart investors smarter'. The campaign runs across all digital channels and includes a content film, banners, pre rolls and microsite.Says Bell Direct CEO Arnie Selvarajah: 'Having been created by Bell Potter, a well recognized broker and not a banker, we have a unique online broking offering. We truly understand the needs of the active trader and this campaign taps into the insight that these people, regardless of where they are or what they are doing, are always fully engaged with the market, just like Bell Direct. And because of that obsession weâ'l always provide smarter opportunities to those who trade with Bell Direct.â The content piece was directed by Gracie Otto, from Filmgraphics Entertainment who said 'It was fun bringing the world of an obsessed trader to life, especially as it has such a nice twist at the end.'Matt Kemsley from Matterhorn added âBell Direct offers best of breed service, in depth research, live streaming and fast and easy platform performance, it really understands its audience, how they engage with the market and the fact that they also have a sense of humour!' Garry Horner from Matterhorn added: 'Arnie demanded stand-out creativity for this campaign, this gave us the opportunity to work with some of the best people in Sydney and let them really flex their muscles, the results speak for themselves and weâre thrilled.' Category: Finance & insurance Client: Bell Direct Agency: matterhorn Production: Filmgraphics Entertainment Country: Australia Director: gracie otto Creative Director: matt kemsley Creative Director: Garry Horner Producer: Anna Fawcett Account Director: Tanya Shattock DoP: Matt Stewart Sound: We Love Jam Post production: Method Studios Editor: Suga Suppiah Planning Partner: Julian Martin Production Manager: Tracey Lee Purmall Client: CEO Arnie Selvarajah Digital Production: BMA, Terry Barnes, Landon Curry & Tom Kutaj Copywriter: Mike Boswell






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Online: Bell Direct Online #5


Bell Direct targets smarter traders with âWhy be smart, when you can be smarterâ online campaign via Matterhorn.Bell Direct has launched an online campaign targeting active traders which positions Bell Direct as the online broker that helps make 'smart investors smarter'. The campaign runs across all digital channels and includes a content film, banners, pre rolls and microsite.Says Bell Direct CEO Arnie Selvarajah: 'Having been created by Bell Potter, a well recognized broker and not a banker, we have a unique online broking offering. We truly understand the needs of the active trader and this campaign taps into the insight that these people, regardless of where they are or what they are doing, are always fully engaged with the market, just like Bell Direct. And because of that obsession weâ'l always provide smarter opportunities to those who trade with Bell Direct.â The content piece was directed by Gracie Otto, from Filmgraphics Entertainment who said 'It was fun bringing the world of an obsessed trader to life, especially as it has such a nice twist at the end.'Matt Kemsley from Matterhorn added âBell Direct offers best of breed service, in depth research, live streaming and fast and easy platform performance, it really understands its audience, how they engage with the market and the fact that they also have a sense of humour!' Garry Horner from Matterhorn added: 'Arnie demanded stand-out creativity for this campaign, this gave us the opportunity to work with some of the best people in Sydney and let them really flex their muscles, the results speak for themselves and weâre thrilled.' Category: Finance & insurance Client: Bell Direct Agency: matterhorn Production: Filmgraphics Entertainment Country: Australia Director: gracie otto Creative Director: matt kemsley Creative Director: Garry Horner Producer: Anna Fawcett Account Director: Tanya Shattock DoP: Matt Stewart Sound: We Love Jam Post production: Method Studios Editor: Suga Suppiah Planning Partner: Julian Martin Production Manager: Tracey Lee Purmall Client: CEO Arnie Selvarajah Digital Production: BMA, Terry Barnes, Landon Curry & Tom Kutaj Copywriter: Mike Boswell






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Online: Bell Direct Online #1


Bell Direct targets smarter traders with âWhy be smart, when you can be smarterâ online campaign via Matterhorn.Bell Direct has launched an online campaign targeting active traders which positions Bell Direct as the online broker that helps make 'smart investors smarter'. The campaign runs across all digital channels and includes a content film, banners, pre rolls and microsite.Says Bell Direct CEO Arnie Selvarajah: 'Having been created by Bell Potter, a well recognized broker and not a banker, we have a unique online broking offering. We truly understand the needs of the active trader and this campaign taps into the insight that these people, regardless of where they are or what they are doing, are always fully engaged with the market, just like Bell Direct. And because of that obsession weâ'l always provide smarter opportunities to those who trade with Bell Direct.â The content piece was directed by Gracie Otto, from Filmgraphics Entertainment who said 'It was fun bringing the world of an obsessed trader to life, especially as it has such a nice twist at the end.'Matt Kemsley from Matterhorn added âBell Direct offers best of breed service, in depth research, live streaming and fast and easy platform performance, it really understands its audience, how they engage with the market and the fact that they also have a sense of humour!' Garry Horner from Matterhorn added: 'Arnie demanded stand-out creativity for this campaign, this gave us the opportunity to work with some of the best people in Sydney and let them really flex their muscles, the results speak for themselves and weâre thrilled.' Category: Finance & insurance Client: Bell Direct Agency: matterhorn Production: Filmgraphics Entertainment Country: Australia Director: gracie otto Creative Director: matt kemsley Creative Director: Garry Horner Producer: Anna Fawcett Account Director: Tanya Shattock DoP: Matt Stewart Sound: We Love Jam Post production: Method Studios Editor: Suga Suppiah Planning Partner: Julian Martin Production Manager: Tracey Lee Purmall Client: CEO Arnie Selvarajah Digital Production: BMA, Terry Barnes, Landon Curry & Tom Kutaj Copywriter: Mike Boswell






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Online: Bell Direct Online #2


Bell Direct targets smarter traders with âWhy be smart, when you can be smarterâ online campaign via Matterhorn.Bell Direct has launched an online campaign targeting active traders which positions Bell Direct as the online broker that helps make 'smart investors smarter'. The campaign runs across all digital channels and includes a content film, banners, pre rolls and microsite.Says Bell Direct CEO Arnie Selvarajah: 'Having been created by Bell Potter, a well recognized broker and not a banker, we have a unique online broking offering. We truly understand the needs of the active trader and this campaign taps into the insight that these people, regardless of where they are or what they are doing, are always fully engaged with the market, just like Bell Direct. And because of that obsession weâ'l always provide smarter opportunities to those who trade with Bell Direct.â The content piece was directed by Gracie Otto, from Filmgraphics Entertainment who said 'It was fun bringing the world of an obsessed trader to life, especially as it has such a nice twist at the end.'Matt Kemsley from Matterhorn added âBell Direct offers best of breed service, in depth research, live streaming and fast and easy platform performance, it really understands its audience, how they engage with the market and the fact that they also have a sense of humour!' Garry Horner from Matterhorn added: 'Arnie demanded stand-out creativity for this campaign, this gave us the opportunity to work with some of the best people in Sydney and let them really flex their muscles, the results speak for themselves and weâre thrilled.' Category: Finance & insurance Client: Bell Direct Agency: matterhorn Production: Filmgraphics Entertainment Country: Australia Director: gracie otto Creative Director: matt kemsley Creative Director: Garry Horner Producer: Anna Fawcett Account Director: Tanya Shattock DoP: Matt Stewart Sound: We Love Jam Post production: Method Studios Editor: Suga Suppiah Planning Partner: Julian Martin Production Manager: Tracey Lee Purmall Client: CEO Arnie Selvarajah Digital Production: BMA, Terry Barnes, Landon Curry & Tom Kutaj Copywriter: Mike Boswell






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Online: Ford EcoSport Hero


In New Zealand we needed to shift the perception of the Focus range from an everyday runaround car to a dynamic, exhilarating ride. Enter the Focus 5 - a synchronized, precision driving squad showcasing the five cars in the range. Agency: JWT New Zealand. Category: Automotive URL: http://focus5.tv/#1 Client: Ford Agency: JWT Auckland Country: New Zealand Director: Jon Baxter Executive Creative Director: Cleve Cameron Art Director: Natalie Allen Creative: Cleve Cameron Creative: Sam Dickson Creative: fraser kirby Creative: Salah Ben-Brahim Producer: Kerry Prenderville DoP: Jon Baxter Agency Producer: Mary Wall Designer: Glenn Chapman Editor: Jon Baxter






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British Gas predicts fall in energy bills

Centrica said it expects the average British Gas domestic bill to be £90 lower than last year as residential profits fall 26%

Household bills at British Gas will will be around £90 lower this year than in 2013, thanks to mild weather and a freeze on energy prices.


Parent company Centrica blamed the weather for a 35% drop in overall operating profits to £1.03bn in the first half of the year, with British Gas residential profits falling by 26% to £265m. Also taking a toll was the Polar Vortex, "extremely cold weather" in North America which wreaked havoc in wholesale markets and cost the company an extra $110m. The company is predicting a return to growth next year.


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Cyclical Capitalist Concepts - Dale Partridge's Social Good Presentation is On Conscious Capitalism (TrendHunter.com)

(TrendHunter.com) In his social good presentation, Dale Partridge explores how conscious capitalism is not a trend, but a piece of the bigger picture. According to the speaker, capitalism functions in four eras. The...

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Argentina defaults after last-ditch talks fail business live

UK consumer confidence falls in July for first time in six months

GfK survey is the latest sign that Britons are feeling less upbeat about the economic recovery

British consumer confidence fell for the first time in six months in July, a survey from researchers GfK NOP showed on Thursday, the latest sign that Britons are feeling less upbeat about the economic recovery.


GfK NOP's headline consumer confidence index fell to -2 in July from 1 in June, which had been the first positive reading in the survey in nearly 10 years.


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Argentina slides into default as debt talks fail

Argentina debt crisis

The collapse of talks with U.S. creditors sent Argentina into its second debt default in 13 years and raised questions about what comes next for financial markets and the South American nation's staggering economy.






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Print ads: Francisco had a love that was Lurdes and a Passion that was rose.


Agency !!.21 Brasil print ad for Leite de Rosas Category: Cosmetics & toiletries Client: Leite de Rosas Agency: 11:21 Country: Brazil Creative Director: Gustavo Bastos Copywriter: Gustavo Bastos Art Director: Leandro Barbosa






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Argentina Slides Into Default For Second Time In 13 Years After Talks With U.S. Creditors Collapse

NEW YORK (AP) — The collapse of talks with U.S. creditors sent Argentina into its second debt default in 13 years and raised questions about what comes next for financial markets and the South American nation's staggering economy.



A midnight Wednesday deadline to reach a deal with holdout bondholders came and went with Argentine Economy Minister Axel Kicillof holding firm to his government's position that it could not accept a deal with U.S. hedge fund creditors it dismisses as "vultures." Kicillof said the funds refused a compromise offer in talks that ended several hours earlier, although he gave no details of that proposal. "We're not going to sign an agreement that jeopardizes the future of all Argentines," Kicillof said after he emerged from the meeting with creditors and a mediator in New York City. "Argentines can remain calm because tomorrow will just be another day and the world will keep on spinning."



But court-appointed mediator Daniel Pollack said a default could hurt bondholders who were not part of the dispute as well as the Argentine economy, which is suffering through a recession, a shortage of dollars and one of the world's highest inflation rates.



"The full consequences of default are not predictable, but they are certainly not positive," Pollack said.



An earlier U.S. court ruling had blocked Argentina from making $539 million in interest payments due by midnight Wednesday to other bondholders who separately agreed to restructuring plans with the country in 2005 and 2010.



There was no immediate comment from the hedge funds, which refused to participate in the debt restructurings and won a U.S. court judgment that they be paid the full value of their bonds plus interest — now estimated at roughly $1.5 billion.



Kicillof dismissed a decision by ratings agency Standard & Poor's to downgrade Argentina's foreign currency credit rating to "selective default" because of the missed interest payments.



"Who believes in the ratings agencies? Who thinks they are impartial referees of the financial system?" he said.



Argentine President Cristina Fernandez had long refused to negotiate with the hedge fund creditors, often calling them "vultures" for picking on the carcass of the country's record $100 billion default in 2001.



The holdouts, led by New York billionaire Paul Singer's NML Capital Ltd., spent more than a decade litigating for payment in full rather than agreeing to provide Argentina with debt relief. They also sent lawyers around the globe trying to force Argentina to pay its defaulted debts and were able to get a court in Ghana to temporarily seize an Argentine naval training ship. The threat of seizures forced Fernandez to stop using her presidential plane and instead fly on private jets.



Restoring Argentina's sense of pride and sovereignty after the 2001-2002 economic collapse has been a central goal of Fernandez and her predecessor and late husband, Nestor Kirchner.



Argentina has made efforts to return to global credit markets that have shunned it since the default. The government paid its debt to the International Monetary Fund and agreed in May with the Paris Club of creditor nations on a plan to begin repaying $9.7 billion in debts unpaid since 2001. It also agreed to a $5 billion settlement with Grupo Repsol after seizing the Spanish company's controlling stake in Argentina's YPF oil company.



Analysts say a new default undermines all of these efforts.



"This is unexpected; an agreement seemed imminent," said Ramiro Castineira of Buenos Aires-based consultancy Econometrica.



"Argentina would have benefited more from complying with the court order in order to get financing for Vaca Muerta," he added, referring to an Argentine region that has one of the world's largest deposits of shale oil and gas.



Only a few international companies have made commitments to help develop the fields as many fear the government's interventionist energy policies. The government has also struggled to get investors because it can't borrow on the global credit market.



Prices for Argentine bonds had surged to their highest level in more than three years on the possibility that Argentina would reach a deal with the holdout creditors. Argentina's Merval stock index also climbed more than 6.5 percent in midday trade on a likely deal.



Optimism had been buoyed by reports Wednesday that representatives of Argentina's private banks association, ADEBA, were set to offer to buy out the debt owed to the hedge funds. In return, the reports said, the U.S. court would let Argentina make the interest payments due before midnight Wednesday and avoid default.



The deal failed to materialize.



"It is an unfortunate situation which is pushing the country into another default. As defaults go, we all know when we get into one but it is very unclear when and how to get out of it," said Alberto Ramos, Latin America analyst at Goldman Sachs.



"We just added another layer of risk and uncertainty to a macro economy that was already struggling," Ramos said.



___



Associated Press writers Almudena Calatrava, Ben Fox and Debora Rey in Buenos Aires, Argentina, and Luis Andres Henao in Santiago, Chile, contributed to this report.



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Online: Refuel


Brand: Porsche Media: Online Category: Automotive Agency: Kemper Kommunikation Geo: Germany Porsche Cayenne S E-Hybrid: Refuel Advertising Agency: Kemper Kommunikation, Frankfurt, Germany Executive Creative Directors: Faris Aadam, Christoph Tratberger Creative Director: Alexander Wolf Copywriters: Frank Bastian, Oliver Becker Published: July 2014






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Online: Safety Promise


Brand: Johnson's Baby Media: Online Category: Health & Beauty Agency: BBDO Geo: United States Johnson's Baby: Safety Promise Advertising Agency: BBDO Production Company: Light of Day Productions/VFX Producer: William Goodrum Media planning / buying: J3






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Online: Save yourselfie


Media: Online Category: Public interest Geo: Italy Social campaign for selfie-addicted friends: Save yourselfie It's an advice to dispense to your friends who then should make their own choice: limit the number of selfies or be removed from the list of friends and disappear? Production Company: Withstand Producers: Davide Ferazza, Alessio Fava Director: Alessio Fava Screenplay: Alessio Fava, Pasquale Frezza Dop: Alessandro Dominici Set designer: Amos Caparrotta Costumes: Lorenza Negri Editor: Massimo Magnetti Sound recording / Mixing: Matteo Milani Post-production supervisor / compositing: Andrea Vavassori






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Online: Skype Level 48


On July 30, Skype will launch a two day live streaming event titled âLevel 48â. The event will feature CollegeHumorâs Jake Hurwitz and Amir Blumenfeld (Jake and Amir), and be hosted by actor/comedian Bobby Lee. Fans will be able to watch, chat and participate in the outcome of all 48 levels of the game which will include everything from designing the room to gameplay advice to plotting shenanigans via Skype on Xbox One with Lee who will act as the eventâs game master. During the two day campaign created by agency Pereira & OâDell, Jake and Amir will compete against one another to determine who is the better gamer. Their only mode of communication to the audience will be through Skype on Xbox one. By adding âTeam Jakeâ or âTeam Amirâ to their Skype contacts, the audience can either help or hinder their performance by providing gaming tips or by initiating various absurdities. In the most offbeat way possible, Level 48 will showcase many of Skypeâs capabilities on Xbox One including voice command and gesture controls, messaging and Snapâ a feature that lets you talk and game at the same time. For more information, go to http://ift.tt/1rL4yaO Category: Telecommunications URL: http://ift.tt/1rL4yaO Client: Skype Agency: Direct Production: Pet Gorilla Country: United States of America Agency: Pereira & O'Dell PJ Pereira, Chief Creative Officer Jonathan Woytek, Creative Director Brett Beaty, Sr Art Director Ben Sweitzer, Art Director Simon Friedlander, Writer Chris Ryan, Writer Carolina Penner, Designer Aaron Rodriguez, Designer Jeff Ferro, VP of Production Kelsie Van Deman, Executive Producer Ivy Truong, Account Director Ali Forgeron, Management Supervisor Michael Reardon, Account Manager Conrad Schuman, Project Manager Molly Cabe, Associate Strategy Director Jasmine Summerset, Associate Strategy Director Liz Wood, Media Strategist Oliver Berbecaru, Media Strategist Katie McKinley, Assistant Media Strategist Kallie Halbach, Director of Business Affairs Jaime Szefc, Business Affairs Manager Molly Parsley, Director of PR Website and live event produced by Pet Gorilla Director: Luc Schurgers Exec Producer: Dominic Bernacchi Teaser and vignettes produced by CollegeHumor and Big Breakfast






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Print ads: The Flashlight AD, 3


Advertised brand: Fenix Flashlight Advert title(s): The Flashlight AD Translation of headline to English: Advertising Agency (Name, City, Country): Quorum Saatchi & Saatchi, Lima, Perú. ECD: Oscar Tamayo H. Creative Director: Juan Durrieu Creative Director: Rodrigo Melgar Art Director: Guillermo Ramos / Yoshiro Zurita Copywriter: Daniel Biasevich/ Alejandro Fang Account Director: Mario Vargas Account Executive: Isabel Sánchez Agency Producer: Vero Robles Published/Released (Month, Year): July, 2014






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Print ads: The Flashlight AD, 1


Advertised brand: Fenix Flashlight Advert title(s): The Flashlight AD Translation of headline to English: Advertising Agency (Name, City, Country): Quorum Saatchi & Saatchi, Lima, Perú. ECD: Oscar Tamayo H. Creative Director: Juan Durrieu Creative Director: Rodrigo Melgar Art Director: Guillermo Ramos / Yoshiro Zurita Copywriter: Daniel Biasevich/ Alejandro Fang Account Director: Mario Vargas Account Executive: Isabel Sánchez Agency Producer: Vero Robles Published/Released (Month, Year): July, 2014






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Print ads: The Flashlight AD, 2


Advertised brand: Fenix Flashlight Advert title(s): The Flashlight AD Translation of headline to English: Advertising Agency (Name, City, Country): Quorum Saatchi & Saatchi, Lima, Perú. ECD: Oscar Tamayo H. Creative Director: Juan Durrieu Creative Director: Rodrigo Melgar Art Director: Guillermo Ramos / Yoshiro Zurita Copywriter: Daniel Biasevich/ Alejandro Fang Account Director: Mario Vargas Account Executive: Isabel Sánchez Agency Producer: Vero Robles Published/Released (Month, Year): July, 2014






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