Dear racist,
Your car is Japanese. Your beer is German. Your wine is Spanish. Your democracy is Greek. Your coffee is Colombian. Your tea is Chinese. Your watch is Swiss. Your fashion is French. Your shirt is Indian. Your shoes are Thai. Your radio is Korean. Your vodka is Russian. And then you complain that your neighbour is an immigrant?
Sincerely,
lets just all live and let live
You can easily identify a real risk manager. She is cheerful and usually advises more risk. She looks for the danger in every success, and makes sure to mine the silver lining of every failure. She thinks people who predict are her enemies, they’re the ones who say, ‘Build the wall on the north side of town, that’s where we expect the attack.’ She says instead, ‘I don’t care what you expect, if you leave any gap in the walls, that’s where they’ll come. Risk management is about preparing for anything that might happen, not guessing what will happen.’ And she has no interest in preventing failure, which can only be done by eliminating risk. She is happiest when people fail fast, and when the organization is robust enough to survive many failures. These are the conditions that encourage the creativity and innovation required for evolutionary success, not just surviving each day.
Risk versus Portfolio Management by Aaron Brown
iMessage = Text message service using world wide web instead of mobile phone network
Why do we need a separate voice network (whether landline or mobile phone network)?
What if we have a mobile phone device with 3G connectivity that has a voice/video communication application such as skype/windows live etc. and that’s it!
The way three mobile in UK has allowed unlimited skype-to-skype calls over mobile phone, if all other mobile phone operators also allow unlimited skype-to-skype calls and your land line phones/IP phones at office or at home also have a skype application, there will no more be need for a separate voice network.
The only exception may be if you are calling to a country where 3G is still not available to masses. In such a scenario translation from data to voice network would be required which is similar to making phone calls using skype credits.
Challenges:
1. 3G Bandwidth availability: However going forward, with 4G network availability this problem will solve on its own.
2. Opposition from BT/Vodafone/O2/Orange etc that have huge stakes in conventional technologies. They want it or not but day by day more and more people are bound to move towards IP networks for voice communications. On one side telecom companies may lose but they have a bigger opportunity on 3G/4G side. Moreover, it’s a bigger opportunity for Voice over IP product companies. Governments may lose money on licensing fees of 2G spectrum but at the same time will get money for 3G/4G spectrum.
3. What if I want to carry two or more mobile numbers, one for work another for home? No need to have two sim cards anymore. Have one mobile phone hardware that runs one app from vodafone another from orange and may be third from AT&T
Benefits:
1. As a customer no need to carry two or more mobile phones everywhere. Low cost voice calls.
2. No more confusing price plans, permutation combinations of minutes, texts and internet download limit. Only one product (in most of the cases) which is 3G/4G download limit in GBs.
3. For telecom manufactures a new opportunity. Instead of building multiple networks, have one unified network.
With the increasing popularity of podcasts, advertisers are considering these as viable avenues to promote their products and brand. The prime benefit is better impact on audience as Ads are reaching to a target class and it leverages on audiences’ loyalty and trust to the podcast.
Following are some of the most downloaded podcasts in my list. Two of these have already started generating tangible revenues. Others such as Financial Times and The Economists podcasts may not be directly generating revenue (directly) however these are for sure helping to attract new customers and retaining the existing ones in case they want to take a short credit crunch break 
