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Finanzas-Finances
shopping, discounts, restaurants, supermarkets, clubs, jobs, compras, apartmento, descuentos, autos,
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My Blog
February 2012
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A. Santiago: Posted on Saturday, February 18, 2012 10:15 PM
 Sistema rastrea conducta de compra en centros comerciales
Ya sabemos que cuando navegamos o compramos por Internet, las páginas que visitamos pueder ser registradas y rastreadas. Es así como sitios web tan populares como Google y Facebook nos bombardean instantáneamente con anuncios personalizados. Pero este nivel de seguimiento es mucho más difícil de alcanzar en el "mundo real".En Europa, el avance del comercio electrónico ha traído tiempos duros para los negocios tradicionales. "Traemos el análisis online al mundo offline", así se promociona Path Intelligence, una compañía británica con sede en Portsmouth, en el sur de Inglaterra. La compañía anuncia en su página web un nuevo producto, "Foothpath", presente en al menos diez centros comerciales británicos y en otros siete países, la mayoría europeos. Foothpath promete el registro continuo del comportamiento y flujo de personas en centros comerciales, y en el futuro quizás en centros de transporte y entretenimiento, o en campos de refugiados. Para ello se sirve de nuestro teléfono móvil. "Un minorista logra que entre un veinte y un treinta por ciento de sus visitantes compren algo. Un setenta u ochenta por ciento, al final, no compra nada", explica Sharon Biggar, directora ejecutiva de Path Intelligence. "Eso es lo que ellos tratan de identificar, adónde fueron esas personas, qué buscaban y sin embargo no compraron". La tecnología parece exitosa. Así que han comenzado a surgir preocupaciones por la protección de la privacidad. Activistas, foros de debate en línea y hasta un senador estadounidense han criticado en los últimos meses el modo en que se ha implementado Foothpath. Identificación anónima El sistema usa una señal exclusiva emitida por cada teléfono celular, el número de identidad temporal del usuario móvil. El llamado TMSI (del inglés "Temporary Mobile Subscriber Identity") es algo similar a la dirección IP de una computadora conectada a Internet. "Es un número aleatorio que Vodafone, Orange u O2 le asigna a tu teléfono. Nosotros sólo observamos pasivamente ese número moviéndose en un determinado espacio", dijo Biggar a Deutsche Welle. Con alrededor de diez recibidores distribuidos en el suelo del centro comercial promedio, Footpath logra triangular la ubicación de una persona en un par de metros y revela qué tiendas e incluso qué departamentos visitó. Path Intelligence cobra entre 39.000 y 77.000 euros a los minoristas, según la duración del monitoreo y la extensión del espacio observado. Land Securities, la mayor propietaria de espacios comerciales en el Reino Unido, ha instalado Foothpath en algunos de sus almacenes y confirma que los datos le ayudan a identificar cuáles de sus tiendas tienen un buen desempeño y cuáles no. Además, la herramienta le permite identificar "cuellos de botella" y mejorar el diseño de sus espacios. Escasa protección offline Sin embargo, muchos defensores de la privacidad se preguntan cuán seguro es este nuevo sistema de monitoreo, y si es legítimo tal intercambio de información privada entre las empresas de telefonía celular y las de análisis de mercado. "Si no hay una ley que proteja a los consumidores contra el rastreo de su localización telefónica anónima, ¿cómo estar seguros de que algo mucho más invasivo no seguirá a esto?", preguntó a Deutsche Welle Nick Prickles, del grupo londinense que organiza la campaña Big Brother Watch. "La tecnología se mueve mucho más rápido que la ley y los consumidores son quienes lo sufren", agregó. A esta preocupación se suma otra: que los operadores puedan vincular el identificador temporal del usuario móvil con un número de teléfono real y, por ende, con un individuo particular. También el senador demócrata del Estado de Nueva York, Charles Schumer, le envió una carta a Biggar en noviembre pidiéndole información detallada sobre el servicio: "el teléfono personal de un cliente no debería ser usado por terceros como dispositivo de monitoreo al servicio de minoristas que intentan determinar conductas de compra", escribió. Dos centros comerciales estadounidenses dejaron de usar Foothpath desde entonces. Pero otras dos cadenas, JCPenney y Home Depot, están considerando su empleo. En la UE, desde mayo de 2011, todos los sitios web deben requerir el claro consentimiento del usuario antes de instalar cookies (fragmentos de código que rastrean, amacenan y transmiten información en línea) en su ordenador. Curiosamente, no existe una legislación similar para el mundo físico ni en ninguno de los 27 socios europeos. |
shopping, discounts, restaurants, supermarkets, clubs, jobs, compras, apartmento, descuentos, autos,
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A. Santiago: Posted on Thursday, February 16, 2012 3:32 PM
REVEALED: Massachusetts Mom Makes $8,000/Month
And You Won't Believe How She Does It! "Melissa puts her computer to work and makes money while working from home. She says that Freedom Agency Online has helped change her financial life and recommends it to people as a good opportunity. Have You Ever Considered Working From Home Online?
Melissa Johnson from Worcester , MA never thought that she would work online, until curiosity got the best of her and she ordered a course from Millionaire author Sarah Amison called Freedom Agency Online. Before she knew it, she discovered her secret to beating the recession, and being able to provide for her family while at home with her three children. I heard about Mellisa from a colleague last month and decided to feature her story in our weekly consumer report. In our phone interview she told me her amazing story. "I actually make a steady $7,000-$8,000 a month working from home online. It's enough to comfortably replace my old jobs income, especially considering I only work about 15 hours a week from my own home online. It gives me so much time to spend with my family."A check Melissa recently received using the Freedom Agency Online System
Working online has been a financial windfall for Melissa, who struggled for months to find a decent job but kept hitting dead ends. "I lost my job shortly after the recession hit, I needed reliable income, I was not interested in the "get rich quick" scams you see all over the internet. Those are all pyramid scams or stuff where you have to sell to your friends and family. I just needed a legitimate way to earn a living for me and my family. The best part of working online is that I am always home with the kids. Thanks to the Multipul Streams of Income Kit I am giving my kids the childhood they deserve." I asked her about how she started her life-changing journey. "It was pretty easy", I saw an ad by Sarah Amison about a course called New Online Incomes. I knew about Sarah Amison from TV and knew she was legit, and since they offered a "30 Day Iron-Clad Guarantee" - I figured I really had nothing to lose . so I invested in the course.The course was really cheap, under $100. I got the course and within five weeks I had made over $8,000!!! Its really simple, I am not a computer whiz, but I can use the internet. I follow Sarah Amison’s simple instruction. "I don't even have to sell anything and nobody has to buy anything from me". There are openings all over the country, you should try it."The companies you work with are worth over 100 billion dollars and are the most used sites in the internet market place, like Amazon, Google, Walmart, Delta, Apple and more... You're using the top ranked sites in the world, over 50 percent of all internet traffic flows through them everyday. It's a great opportunity and this has been helping people work at home online for over 5 years. Why not get in with the internet's best and biggest companies?There are plenty of scams on the internet claiming you can make $50,000 a month, but that is exactly what they are, scams. This kit, however, is not definately not one of those! From my conversation with Melissa, "I am making a good salary from home online, which is amazing, under a year ago I was jobless in a horrible economy. Today I make about $80/Hr and I don't even have to leave the house. I thank God every day that I filled out that form and got my kit just minutes later."Quickly, Melissa Johnson was able to use the simple Sarah Amison’s Freedom Agency Online to make it out of the recession."I went from a fixed salary at work to grossing an additional $7,000-$8,000 a month from my home computer." |
shopping, discounts, restaurants, supermarkets, clubs, jobs, compras, apartmento, descuentos, autos,
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A. Santiago: Posted on Wednesday, February 01, 2012 5:57 PM
How Much are You Over-Paying for Your Auto Insurance? In good times, it's natural that we pay less attention to our individual expenses. But today, regardless of our current situation, we all need to save as much money as possible. And, when it comes to saving money, the experts agree one of the best places to start is with your auto insurance. While it’s natural that companies want to generate as much profit as they can, auto insurance is one area that many people end up paying way more than they should. That’s because they are unaware of some key information which insurance companies aren’t in a particular hurry to share. What you need to know to make sure your Insurance Company is not getting rich off you: - Rates are constantly changing. In fact, in certain states and for certain policies, rates have actually dropped significantly in the past 12 months. And, if your record has improved, you may even be eligible for additional reductions. You can be sure, however, that your insurance company isn’t going to call you up and let you know their rates have dropped.
- You're not locked in to your policy. Even if you have pre-paid your current insurance company for an entire year, you have the right to cancel the policy at any time and receive a pro-rated refund. In fact, there is no cost to switch policies from one company to another.
- Comparing quotes from multiple insurance companies delivers the most savings. Today, there are online services that let consumers quickly shop for the best rates from a nationwide selection of auto insurance companies, all competing for your business. You simply enter your requirements and instantly receive quotes from a wide range of reputable companies, so you can immediately see how much you could save by switching.
One of the most comprehensive of these comparison services is offered by a website called AutoInsuranceTips.com. They operate a free service that will quickly get you auto insurance quotes from a wide network of premium insurers. It makes it quick and simple to learn which company is willing to ensure you for less. The site also contains a wealth of reference information that helps you understand how different policies work, and how to save the most money possible. The fact is that with a minimal amount of time, and with the help of a service such as AutoInsuranceTips.com, you may be able to quickly save hundreds of dollars. So, if you're into saving money, start by finding out how much less you could be paying every month for your auto insurance coverage. |
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