It was clear to many professionals in hindsight that selling consumers across the world 200% mortgages, when their incomes would not sustain for a long period of time their set repayments each month. Why is it that these so called professionals who are responsible for families losing their fathers to suicide, losing their homes, cars, jobs, entire savings are still working today? why are they still receiving billions in yearly bonuses, when they had traded in an illegal fashion and also traded on clear toxic losses that would and could not be sustained?

The answer is clear that the so called ‘Masters of the Universe’ are mere speculators when it comes to how whole economies should be ran and that when they lose and they usually lose BIG, they are not held responsible for their actions.

This is why there should be very clear regulation on the tradings of clear Smartly Dressed Criminals, if they break the law and cause huge losses for a company that they are held responsible. Not the workers, or the shareholders, that is clearly not fair or sustainable.

The regulations would monitor the tradings of each individual company on a yearly basis and those tradings that are deemed to be trading as illegal should be resigned of their position and tried in court for their crimes against humanity.

Now this may seem like an extreme sentence ‘against humanity’ however, it is clear that the current economic climate that the World is in has caused mass suicides, losses of homes, cars, families. Yet the bankers still receive their yearly bonuses, some individuals such as Joseph Cassano who received a whopping $315 million bonus, after being resigned due to illegal trading that was banned in USA, hence why he lived in the UK.

There is a clear need for action by the government and governing and regulatory bodies to ensure that we the public are protected from these Greedy, Moral Hazard free CEO’s. There has to be a clear distinction that if you lose you do not receive bonuses, if you commit fraud your assets will be stripped and you will face the fair jail time for your actions.

The same as if you rob a bank, these are the actions of an individual being they choose to rob that bank, they choose to break the law. Same as White Collar Crime, yet the jail time on average of White Collar Crime stands at 8 Years, yet a Murder Charge carries the life sentence of 30+ years in jail.

Let the so called Masters of the Universe, face this type of jail time and we will soon see a decrease and free willingness of these CEO’s to risk OUR futures and our Children’s futures.

Cap all bonuses for only those who have shown profits on their trades for their shareholders and do not allow the likes of Starbucks and Amazon not use illegal loopholes in the justice system to flaunt paying huge Tax bills that eventually when they fail they depend so highly on from the Tax payers.

It is time for change and that change has to be now if we are going to see positive results in 20 years. It is time for the Joseph Cassano’s of this world to be held accountable for their actions of clear fraud with bankruptcy and huge jail time sentences.

We can no longer allow both bankers and Blue Chip companies rule the world in such as Moral Hazard Free society and be expected to be bailed out time and time again, as they are ‘ Too Big to Fail!’.

No individual is Too Big to Fail, if the business model is flawed then it will fail time and time again, you are simply spending bad money after bad and it’s time to wake up to this fact.

With millions of people across the UK closely focusing on their finances since the Christmas period, it is no wonder that their Energy bills are priority with the current winter fast approaching before many people know it. Millions of households in the UK are considered ‘ energy poor’ which means that those whose income is below £12,000 their energy bills cost more than those that earn considerably more. This is because those who cannot afford to upgrade their current boilers, improve their loft insulation and also pay for Cavity wall insulation tend to find their energy bills are hugely more than those who can afford such measures.

That is why the government has introduced these two current incentives to help those who struggle to pay their energy bills due to rising energy costs and a lack of up to date products used for their energy in their households.

The Green Deal and the Eco deal help those who are ‘energy poor’ improve their energy performance of their households both domestic and non domestic.Under the Eco Deal those who are are benefits and fall under the following criteria are eligible to get a Free Boiler replacement, that can cost up to £1200 completely Free and with boilers making up over 60% of your energy bill, it is very important to ensure that your household has an A graded boiler device.

To find out if you can get the FREE boiler replacement get in touch with Green Deal Finders for your Free advice.

Green Deal Finders helps thousands of customers every month to receive various measures Free under the Green Deal and Eco Deal incentive from the Government. With the cost of living continuously rising and with winter fast approaching it is no wonder they have seen a huge surge in household consumers wanting to receive Free boiler replacements and Cavity wall insulation aswell as Loft insulation under the Green Deal and the Eco Deal.

“Under the Green Deal and the Eco Deal households can receive Free boiler replacement, loft insulation, double glazing and many more measures and some come at no extra cost to the household” says Green Deal Finders director.

Green Deal Finders was established to help households and users to connect to the best suppliers of the Green Deal and Eco Deal incentive in the UK, this was to ensure that each individual household received the best care from their advisers and installers from start to finish. With many cowboy builders in any industry Green Deal Finders wanted to ensure that their users cut out the risk involved with dealing with builders, as they personally vet each individual approved supplier of both the Eco Dean and the Green Deal incentive so that their reputation remains the highest it could possibly be in that industry.

With over 20,000 customers of both the Green Deal and the Eco Deal on their books, they are clearly doing something right and they now want to target those households that struggle with their Energy Bills, this includes Off Gas households that can receive Free Boiler Replacement and Hard to treat Cavity Wall insulation completely Free.

Reducing their energy bills by nearly 70% and ensuring that the winter months are warmer and cheaper than their previous years, with no extra cost to any of their clients.

Green Deal Finders will help you from start to finish to ensure that you receive everything you need in a timely fashion and do not charge any upfront Fees at all.

If you would like to receive a Free Boiler then get in touch with Green Deal Finders Today.

In this cooperation CHT will launch some software including SaaS (software as a service) for medical care, education, tourism, and retail. While Smart PaaS “platform as a service” for ISVs “independent software vendors,” which mostly include small- to medium-size ISVs from the country.

CHT has said our company and IBM Taiwan, after examining the proposals from interested ISVs would accept or reject the proposals.

CHT has also added, IBM Taiwan through its international-level consulting services will help selected ISVs to develop environment for business operations and software development and set up business models in the incubation stage.

Despite these help provided by IBM Taiwan, the ISVs will also develop tools and build new testing services for software development.

While at the end part of marketing, Chunghwa Telecom will help the ISVs to market their products through hiCloud Mall. And CHT’s platform will provide them cloud computing services.

Stock Highlights

In current trading activity, International Business Machines Corp. (NYSE:IBM) stock opened at $203.37 hit maximum price of $204.53 and currently trading at $204.12.

Revenue Measures

International Business Machines Corp generated sales of $103.24 billion in last twelve months with income of $16.57 billion. The Company showed a positive 16.05% in the net profit margin and its operating margin is calculated as 20.99%. Company’s annual sales growth for the past five years was 1.13%.

IBM past twelve months price to sales ratio was 2.18 and price to cash ratio recorded as 18.79. As far as the returns are concern, IBM  return on assets stayed at 14.25% while its return on equity recorded as 83.28%.

Aio has launched its prepaid service in Houston, Tampa, and Orlando and over the next year the company is expected to launch its outlets in several markets across the U.S.

Aio new SIM card is available at a tag price of $9.99, and all its customers can buy new phones or if they do not have compatible one, and if they have they should activate the SIM card in order to buy a smartphone plan.

Aio has offered a discount on many of Apple Inc. (NASDAQ:AAPL)’s devices including iPhone 4 and iPhone 4S, but its latest iPhone 5 may costs $649.99.

While Samsung Galaxy Amp cost $99.99, and this package also include two free movie tickets, which will be available after the handset owner should activate the package for $25.

The package provide by  Aio in Houston includes, $70 a month package with 7GB of high speed data, unlimited messaging and unlimited talk, while the $55 package includes 2GB of high speed data access. An additional 1GB of data can be bought for $10 for that month.

Stock Highlights

In last trading activity, AT&T Inc. (NYSE:T) stock opened at $37.45 and remained unchanged throughout the current session.

Revenue Measures

AT&T Inc generated sales of $126.97 billion in last twelve months with income of $7.38 billion. The Company showed a positive 6.03% in the net profit margin and its operating margin is calculated as 10.11%. Company’s annual sales growth for the past five years was 1.39%.

AT&T Inc past twelve months price to sales ratio was 1.61 and price to cash ratio recorded as 52.90. As far as the returns are concern, AT&T return on assets stayed at 2.84% while its return on equity recorded as 7.65%.

In 2012 Microsoft invested nearly 300 million US dollars in order to get the benefits of Nook’s e-books, e-readers and tablets. Currently Microsoft owns about 16 percent stake in Nook Media. Barnes & Noble spun off Nook Media last October and since then it is out of the Nook business.

This deal is much in favor of Microsoft since the company is interested to fetch more customers from other platforms to its Windows 8 operating system. Shares of Microsoft remained flat and seemingly unaffected following the news. While shares of Barnes & Noble advanced more than 27 percent in pre market trade.

Around 10 million Nook tablets and readers have been sold, and the unit has some seven million subscribers who buy e-books and other content from Barnes & Noble, according to TechCrunch.

The website, citing internal documents, said the Android-based Nook tablet would be discontinued by 2014, at which time Nook content would be distributed through makers of other devices through an app.It was unclear if the third-party maker would be Microsoft, which introduced its own Surface tablet last year using the Windows operating system.

The report said Microsoft was preparing to pay $1 billion to buy the digital assets of Nook Media LLC, the digital book and college book joint venture with Barnes & Noble and other investors.

While Apache Corporation has declared adjusted earnings as $2.02 a share, and its revenue on quarterly basis decreased to $4.076 billion verses $4.536 billion in Q1 2012.

But analysts at FactSet have predicted Apache earnings at $2.20 on each share, against revenue of $4.29 billion.

The oil and gas company has said on Thursday, that it has planned to divest $4 billion in resources by the end of this year, which would be used to reduce debt and the remaining will be used to repurchase shares. And it future goal the company has to meet’ the company’s this year guidance of 3% to 5% production growth.

In other news, The shrinking PC market has also effected the business of Compal Electronics, Inc. (TPE:2324), as the world’s 2^nd largest maker of notebook computers by shipments has report a decreased of 29% in first-quarter earnings.

According to the statement made by company on Tuesday, its PC shipments have internationally decreased by 13.9% in Q1, one of the steepest declines since 1994.

The notebook computers manufacturer, has declared Q1 2013 earnings of 1.36 billion in New Taiwan dollars (NT$), decreased from NT$1.90 billion for Q1 2012. While Dow Jones Newswires seven analysts forecast it earnings as NT$1.56 billion in Q1 2013.

While the revenue of Compal increase by NT$167.56 billion or 4% a share, verses NT$161.76 billion in Q1 2012, but operating margin decreased to 1.2% from 1.7% in Q1 2012.

The company’s Chief Executive Ray Chen has said in his January statement that Compal is staging a turnaround in 2013, with tablet shipments likely to increase 5% and PC shipments to increase by two-digits from 2012.

Compal’s Chief Executive has declared this statement because the company is still behind many of its rivals in earnings performance including Pegatron Corporation (TPE:4938) and Quanta Computer Inc. (TPE:2382). Because these companies has quickly switched towards mobile devices and servers in order to move with market trends.

With millions of homeowners in the UK struggling to meet monthly and yearly energy bills, the government is trying to kill two birds with one stone. They are wanting to reduce the carbon omissions from each household and also make each individual household energy efficient, whether it be via their co2 omissions or their energy bills.

Halogen Fairies a UK based all Female company is offering this service Free of charge, to anyone wanting Free boiler replacement, loft insulation, cavity wall insulation and double glazing under both the Green deal and the Eco deal in the UK.

The company offers free assessments for all UK households across the UK and you will know if you have the opportunity to be given a Free Boiler from their company within a 20 minute assessment.

With billions of pounds set aside to provide UK households with free boiler replacement and also loft and cavity wall insulation it is no wonder this company has seen a huge increase in clients using their services.

According to E-Mists a leading UK provider of the electronic cigarette products the popularity of the electronic cigarette starter kits has taken even them by suprise as thousands of people who smoke in the UK look to find an alternative to smoking tobacco cigarettes.

The main reason why people make the change according to E-Mists is because they want to initially save money, with electronic cigarettes saving them around 70% each year, for a smoker of 20 cigarettes per day, this means a yearly saving of £2,500.

Many of their customers inform them that they can simply not afford to smoke tobacco cigarette anymore and with 280 cigarette costing the user £19.99 it is no wonder that they are making the switch to the electronic cigarette products.

With sales set to increase as electronic cigarettes take on tobacco companies for a percentage of the market we will be seeing more and more of these little electronic miracles.

Despite the apparently vast changes, iOS 7 will not be difficult to use than earlier versions. The over all display and appearance will no doubt look somewhat different, but the basics will be the same. Mostly the changes in the software may include email icon, clock icon, calendar icon, and may more icon like that. While the graphics on the iOS7 will have “polarizing filters” that will hide your phone from other people, what you are doing on your phone.

In spite of all theses addition, the smart-phone giant is also trying to put in additional information in the drop-down notifications, but this element may not make it to the last version of the software. Jony Ive, Apple design, is monitoring the latest changes in the Apple’s iOS7. Ive has last year took over the company’s Human Interface section after Scott Forstall Ex-iOS software Chief was let go.

The smartphone giant is broadly estimated to declare and expose some fresh features with iOS 7 in June at its World Wide Developer Conference.

Stock Highlights
In last trading activity, Apple Inc. (NASDAQ:AAPL) stock opened at $420.45 hit maximum price of $433.62 throughout the session and ended at $430.12, in premarket AAPL shares rose 430.12.

Revenue Measures

Apple Inc. generated sales of $ 169.10 billion in last twelve months with income of $ 39.67 billion. The Company showed a positive 23.46% in the net profit margin and its operating margin is calculated as 30.92%. Company’s annual sales growth for the past five years was 44.81%.
AAPL past twelve months price to sales ratio was 2.39 and price to cash ratio recorded as 10.32. As far as the returns are concern, AAPL return on assets stayed at 22.95% while its return on equity recorded as 33.34%.