These Are The Gadgets Tech Experts Are Hoping For This Holiday Season

he holidays are upon us, and shoppers are in the midst of researching the latest and greatest high-tech gifts. We decided to go straight to the source, asking top tech experts which gadgets they’ve had their eyes on this year. Whether they want to give these products as a gift or receive one for themselves, here are the products that top Forbes Technology Council members’ lists.

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1. Apple Watch Series 4

While many people have considered the Apple Watch to be superfluous, unnecessary technology for technology’s sake, the latest version is, in fact, a boon to geriatric healthcare. With fall detection and the ability to monitor your vitals and call emergency services, there’s now a much more fashionable alternative to “life alert” technologies that your grandparents may want to wear. – David Isaac Murray, Doctor.com

2. HTC Vive

An HTC Vive works well with everyone, ranging from adults to young children. I took my kids to a VR gaming arcade and it was heaven. My youngest doesn’t understand that it’s just a headset. He thinks he’s actually transported to a different world. It’s unreal! If you haven’t tried it, you’re missing out. – Matthew Barlocker, Blue Matador

3. Apple’s AirPower Wireless Charging Mat

It’s more on the wish list for Apple to release it than it is on my personal wish list. With a growing number of electronic devices, it has become cumbersome to keep track of different charging cables or even wireless chargers. The AirPower wireless charging mat is a nice initiative to remove the need for separate charging resources for multiple devices. Hopefully, it comes out this holiday season. – Vikram Joshi, pulsd

[“source=cnbc”]

Ideas for Profit | IndoStar Capital Finance: Sound fundamentals at compelling valuations

Image result for Ideas for Profit | IndoStar Capital Finance: Sound fundamentals at compelling valuations

– IndoStar Capital Finance is transforming from a wholesale financier to a diversified lender
– Diversification strategy to gradually push-up operating cost
– Asset quality has been resilient so far but remains vulnerable
– More-than-adequate capital and comfortable liquidity are key differentiators
– Company maintains growth outlook despite tight funding environment

– Strong return ratios and compelling valuations makes it a worthy buy

Non-banking financial companies (NBFC) stocks have seen a sharp fall since September-end following liquidity concerns that engulfed the sector. While the correction has eliminated valuation froth creating some interesting investment opportunities, funding in the near term is expected to remain constrained, demanding a selective approach.

After running through a long list of NBFCs that have been penalised by markets, but stand out in terms of business fundamentals and valuation, we zeroed in on  IndoStar Capital Finance.

Incremental loan growth driven by retail assets

Primarily a wholesale financier, the company forayed into SME, vehicle and housing finance to de-risk its loan book. The result of its diversification strategy is clearly evident in the changing mix of its Rs 7,767 crore loan book. Non–corporate loans now constitute 37 percent of its loan book as at September end as against 22 percent a year ago. In fact, 68 percent of disbursements in Q2 FY19 was towards the three focused retail segments (SME, vehicle and housing finance).

[“source=moneycontrol”]

Fitness Trail: 3 Smith Machine exercises for the lower body

An incorrect version of this article ran in the Nov. 16 edition of Sky-Hi News. Below is the correct copy. We apologize for any inconvenience this may have caused.

A Smith Machine is a heavy piece of fitness equipment that has a fixed bar, multiple racking sites and allows for plate-loading; however, because it is a fixed bar, it does not compare to the intensity of training with a free barbell due to the fixed components. It does, however, work well for many clients who require more stabilization than a free barbell would provide. Therefore, we utilize the Smith Machine with many clients training them to properly perform squats and lunges, among other exercises, such as bench press and inverted rows.

In general, the barbell on a Smith Machine weighs approximately 25lbs. Therefore, if you have mastered the squats/lunges with the bar only, gradually add plates to the bar as needed for progressive overload. Perform 1-3 sets of 8-12 repetitions of each exercise, on two-three non-consecutive days/week. As always, prior to beginning any exercise program, please consult your physician.

Squats –stand under the Smith barbell so that the barbell will rest behind your neck and on your shoulders (if you need the pad, place it on the bar first) then un-rack the bar by lifting up, and rotating the barbell backward. Legs should be approximately shoulder distance apart, shoulders/hips/knees/toes all facing forward. Engaging the quadriceps (front of thighs), lower the body into a squat, no lower than 90-degrees of flexion at the knee joint, keeping the weight in the heels to mid-foot and keep the knees tracking over the shoes laces, never the toes. Then, drive back up into full extension at the knee joint. *Trains the quadriceps/hamstrings/glutes and nose to toes core.

Stationary Lunges – place the bar pad on the bar and slip underneath the bar so that you are able to rest the bar comfortably on the top of the shoulders as you unrack the bar. Stagger the legs front to back so you are able to keep the back heel elevated throughout the exercise and the front knee tracking over the front heel. The legs are approximately shoulder distance apart (like you are standing on two different railroad tracks), lower the body down until the front and back leg are flexed approximately 90 degrees at the knee joint. Then, drive through the front heel returning to a fully erect standing position with both knees fully extended. *Trains the quadriceps/hamstrings/glutes and nose to toes core.

Front Barbell Squat –add any weight plates that you would like but remember, that you will be able to handle less load due to the placement of the bar in the front of the body rather than with a back squat. Place the bar against the chest with the arms crossed over the chest, elbows elevated to chest height, to secure the bar at the chest. Feet should be approximately shoulder distance apart, engaging the quadriceps/hamstrings/glutes (anterior/posterior thighs and buttocks), lower the body into a squat, aiming the tailbone toward the wall behind you, keeping your body weight in the heels and then drive through the heels back into an erect position. Remember, you have nothing behind you, so lower the body down no lower than 90 degrees at the knee joint. Keep the torso erect throughout. *Trains the quadriceps/hamstrings/glutes and nose to toes core.

[“source=forbes]

Maruti Suzuki Ertiga launched at Rs 7.44 lakh for petrol variant, Rs 8.84 lakh for diesel model

Six years after its debut, Ertiga has undergone its first major upgrade. Maruti Suzuki has launched the new Ertiga at a starting price (petrol) of Rs 7.44 lakh (ex-showroom, Delhi). The latest Maruti Suzuki Ertiga gets an all-new platform and a new petrol engine.

For Maruti Suzuki Ertiga, which will be available in 10 variants, the diesel model will be available at Rs 8.84 lakh and the petrol automatic at Rs 9.18 lakh.

Maruti Suzuki promises 13 percent more power, six percent increase in torque and 10 percent increase in mileage on the new Ertiga on which the company has spent over Rs 900 crore for development. The company has sold over 4.2 lakh units of the vehicle since its launch clocking an average of 5,300 units a month.

The launch comes less than three months after utility vehicle specialist Mahindra & Mahindra (M&M) launched the Marazzo (priced at Rs 9.99 lakh), a direct competitor to the Ertiga. While M&M has decided to raise prices of the Marazzo by Rs 30,000-40,000 from January 1, 2019 the model was already priced higher than the previous version of the Ertiga.

The low volume Renault Lodgy is the only other competitor to the Ertiga Honda phased out the Mobilio due to low volumes while Mahindra produce negligible number of the Xylo.

The petrol engine of the Ertiga churns out maximum power of 77kW while the diesel produces 66kW of peak power. Maruti Suzuki claims a fuel efficiency of 25.47 km/litre on the diesel version, 19.34 km/litre on the petrol manual transmission and 18.69 km/litre on the petrol automatic version.

The fifth generation Heartect platform ‘is built afresh using high tensile steel that ensures stronger, safer and sturdier structure with effective absorption and dispersion of crash energy’, a note from the company stated.

The vehicle gets dual tone interiors and sculpted dash board. A 17.8 cm touch screen display is enabled with Apple CarPlay, Andriod Auto and Mirror Link. The steering is leather wrapped with a flat bottom just like those seen in the Dzire compact sedan.

The vehicle offers more leg and shoulder room and a flexible luggage area. It also offers air-cooled cup holders, bottle holders and accessory socket in each row.

Kenichi Ayukawa, MD and CEO, Maruti Suzuki India said, “We are further investing in our R&D centre to introduce latest technologies and higher level of localisation. Challenges in the short term and long term continue to put pressure on us. We can overcome the challenges with a strong focus on quality in all aspects of our business”.

[“source=cnbc”]

Ghosn scandal could trigger a series of crises for Nissan, Renault, Mitsubishi

Carlos Ghosn, chairman of the alliance between Renault SA, Nissan Motor Co. and Mitsubishi Motors Corp., pauses during a Bloomberg Television interview at the Paris Motor Show in Paris, France, on Tuesday, Oct. 2, 2018. 

Marlene Awaad | Bloomberg | Getty Images
Carlos Ghosn, chairman of the alliance between Renault SA, Nissan Motor Co. and Mitsubishi Motors Corp., pauses during a Bloomberg Television interview at the Paris Motor Show in Paris, France, on Tuesday, Oct. 2, 2018.

There aren’t many automotive executives who can claim to have saved a company, let alone three. But now, Carlos Ghosn might also prove to be the man responsible for shattering the global alliance that transformed Renault, Nissan and Mitsubishi into an industry powerhouse.

A day after prosecutors arrested Ghosn and another senior Nissan executive, accusing them of serious financial irregularities, the fallout was escalating. Some auto analysts questioned whether the alliance between the three carmakers could survive the affair, leading nervous investors to pare back their holdings. U.S. traded shares of Renault have slid by about 11 percent since news of Ghosn’s arrest in Tokyo broke Monday while Nissan’s shares in the U.S. fell by about 6 percent.

Self-destruction

“You’re witnessing the single greatest act of self-destruction in modern automotive history,” said Eric Schiffer, chairman of Los Angeles-based Reputation Management Consultants. “Not only has [Ghosn] destroyed his life, but he puts those companies in uncharted and dangerous waters.”

His swift fall from grace places the carefully constructed alliance he built between the three automakers at risk and will have far-reaching repercussions across the industry, auto executives and analysts say.

Perhaps only Tesla CEO Elon Musk and former Fiat Chrysler CEO Sergio Marchionne, who died last July, came close to matching the high-profile persona of the 64-year-old Ghosn. Born in Brazil of Lebanese parents, he began his career in France with the tire-making giant Michelin.

In 1996, Ghosn was recruited by Paris-based Renault and tasked with pulling together a turnaround plan for the struggling automaker. His strategy worked so well that Renault was back in the black in barely a year.

Ghosn got the chance to prove he wasn’t a one-shot wonder when Renault assigned him to lead its efforts to revive debt-laden Japanese automaker Nissan in 1996. With only three of its product lines making money, many observers expected that country’s second-largest manufacturer to go broke. There was widespread skepticism when Renault announced plans to purchase a 38.6 percent stake – which has since grown to 43.4 percent.

Skeptics

At the time, former General Motors Vice Chairman Bob Lutz said Renault would be better off “taking $5 billion, putting it on a barge and sinking it in the middle of the ocean.” But within three years, Ghosn’s Nissan Revival Plan had taken hold. The automaker halved its debt and was delivering profit margins of around 4.5 percent.

“I said it would never work” Lutz said on CNBC’s “Squawk on the Street” on Monday “and to my amazement it has worked fabulously well for both companies.”

Originally working as Nissan’s chief operating officer, Ghosn was soon its CEO and, a few years later, added the title of chief executive of Renault, as well as head of their Renault-Nissan Alliance.

Ghosn had long left open the possibility of adding a third leg to the stool and, in 2016, he made his move, directing Nissan to purchase a controlling stake in Mitsubishi, the small Japanese automaker teetering on the brink of bankruptcy after a series of financial and regulatory scandals.

While still too soon to tell whether Mitsubishi is completely out of the woods, it added enough volume to the alliance total that, in 2017, it nudged past both Volkswagen and Toyota to claim the crown as largest automotive group in the world by unit sales.

Forcibly removed

But that celebration could be short-lived. Ghosn, who has repeatedly sidestepped questions about his potential retirement, is now being forcibly removed from all his posts in the wake of this week’s breaking scandal.

On Monday, Yokohama-based Nissan issued an initially terse release stating that, “Based on a whistleblower report, Nissan Motor Co., Ltd. (Nissan) has been conducting an internal investigation over the past several months regarding misconduct involving the company’s Representative Director and Chairman Carlos Ghosn and Representative Director Greg Kelly.”

[“source=cnbc”]

Ghosn scandal could trigger a series of crises for Nissan, Renault, Mitsubishi

Carlos Ghosn, chairman of the alliance between Renault SA, Nissan Motor Co. and Mitsubishi Motors Corp., pauses during a Bloomberg Television interview at the Paris Motor Show in Paris, France, on Tuesday, Oct. 2, 2018. 

Carlos Ghosn, chairman of the alliance between Renault SA, Nissan Motor Co. and Mitsubishi Motors Corp., pauses during a Bloomberg Television interview at the Paris Motor Show in Paris, France, on Tuesday, Oct. 2, 2018.

There aren’t many automotive executives who can claim to have saved a company, let alone three. But now, Carlos Ghosn might also prove to be the man responsible for shattering the global alliance that transformed Renault, Nissan and Mitsubishi into an industry powerhouse.

A day after prosecutors arrested Ghosn and another senior Nissan executive, accusing them of serious financial irregularities, the fallout was escalating. Some auto analysts questioned whether the alliance between the three carmakers could survive the affair, leading nervous investors to pare back their holdings. U.S. traded shares of Renault have slid by about 11 percent since news of Ghosn’s arrest in Tokyo broke Monday while Nissan’s shares in the U.S. fell by about 6 percent.

Self-destruction

“You’re witnessing the single greatest act of self-destruction in modern automotive history,” said Eric Schiffer, chairman of Los Angeles-based Reputation Management Consultants. “Not only has [Ghosn] destroyed his life, but he puts those companies in uncharted and dangerous waters.”

His swift fall from grace places the carefully constructed alliance he built between the three automakers at risk and will have far-reaching repercussions across the industry, auto executives and analysts say.

Perhaps only Tesla CEO Elon Musk and former Fiat Chrysler CEO Sergio Marchionne, who died last July, came close to matching the high-profile persona of the 64-year-old Ghosn. Born in Brazil of Lebanese parents, he began his career in France with the tire-making giant Michelin.

In 1996, Ghosn was recruited by Paris-based Renault and tasked with pulling together a turnaround plan for the struggling automaker. His strategy worked so well that Renault was back in the black in barely a year.

Ghosn got the chance to prove he wasn’t a one-shot wonder when Renault assigned him to lead its efforts to revive debt-laden Japanese automaker Nissan in 1996. With only three of its product lines making money, many observers expected that country’s second-largest manufacturer to go broke. There was widespread skepticism when Renault announced plans to purchase a 38.6 percent stake – which has since grown to 43.4 percent.

Skeptics

At the time, former General Motors Vice Chairman Bob Lutz said Renault would be better off “taking $5 billion, putting it on a barge and sinking it in the middle of the ocean.” But within three years, Ghosn’s Nissan Revival Plan had taken hold. The automaker halved its debt and was delivering profit margins of around 4.5 percent.

“I said it would never work” Lutz said on CNBC’s “Squawk on the Street” on Monday “and to my amazement it has worked fabulously well for both companies.”

Originally working as Nissan’s chief operating officer, Ghosn was soon its CEO and, a few years later, added the title of chief executive of Renault, as well as head of their Renault-Nissan Alliance.

Ghosn had long left open the possibility of adding a third leg to the stool and, in 2016, he made his move, directing Nissan to purchase a controlling stake in Mitsubishi, the small Japanese automaker teetering on the brink of bankruptcy after a series of financial and regulatory scandals.

While still too soon to tell whether Mitsubishi is completely out of the woods, it added enough volume to the alliance total that, in 2017, it nudged past both Volkswagen and Toyota to claim the crown as largest automotive group in the world by unit sales.

Forcibly removed

But that celebration could be short-lived. Ghosn, who has repeatedly sidestepped questions about his potential retirement, is now being forcibly removed from all his posts in the wake of this week’s breaking scandal.

On Monday, Yokohama-based Nissan issued an initially terse release stating that, “Based on a whistleblower report, Nissan Motor Co., Ltd. (Nissan) has been conducting an internal investigation over the past several months regarding misconduct involving the company’s Representative Director and Chairman Carlos Ghosn and Representative Director Greg Kelly.”

Within hours, reports began circulating that Ghosn and his hand-picked lieutenant had been arrested by authorities in Tokyo where they faced a number of potentially serious allegations. Ghosn — who was now serving as Nissan chairman — was accused of concealing as much as 5 billion yen, or about $45 million, in income, as well as misusing corporate funds. Precise details have yet to be released, however.

For the past two decades, Carlos Ghosn was seen as one of the biggest rock stars in a Japanese business world normally skeptical of “gaijin,” or foreigners. He even became a star of his own comic book series. Since the accusations were made public, however, his image has been washed away by a tsunami of bad news. Reputation expert Schiffer told CNBC, “There will be blood because it is about preserving honor and trust with the public.”

Anger and disappointment

That became apparent within hours. “I feel strong anger and disappointment,” Ghosn’s handpicked successor as Nissan CEO, Hiroto Saikawa told reporters at Nissan headquarters in Yokohama. “I am very sorry.”

The Japanese automaker quickly moved to fire Ghosn, even as pressure mounted on Renault to do the same thing a half a planet away. The French government, the automaker’s biggest shareholder, called for a shake-up in management. Renault plans to name its chief operating officer Thierry Bollore as an interim replacement for Ghosn, the Wall Street Journal reported Tuesday, citing unnamed sources.

“Carlos Ghosn is no longer in a position where he is capable of leading Renault,” Finance Minister Bruno Le Maire told France Info radio. But he added that the government “(has) not demanded the formal departure of Ghosn from the management board for a simple reason, which is that we do not have any proof and we follow due legal procedure.”

The fallout could, and likely will, continue according to several observers. During a meeting with reporters in Tokyo on Tuesday, Mitsubishi CEO Osamu Masuko said the very alliance that Ghosn strung together is in jeopardy. “I don’t think there is anyone else on Earth like Ghosn who could run Renault, Nissan and Mitsubishi,” he said.

[“source=cnbc”]

Facebook’s ad platform goes down at a horrible time for Black Friday retailers

Facebook CEO Mark Zuckerberg.

Facebook’s ad manager platform was not working for a critical period on Tuesday, leaving brands unable to place key Black Friday and Cyber Monday ads.

Both Facebook and Instagram were down on Tuesday for users. But the problems also affected media buyers, who were trying to buy ads for their clients. Buyers were unable to see data about how ads were performing, edit live ad campaigns, or start new ad campaigns. Some people had issues for an hour, while others said they had been dealing with issues for seven or eight hours. The problems affected ads running on any of Facebook’s apps, including Facebook, Instagram and Messenger.

“We’re aware that some people are currently having trouble accessing Ads Manager,” a Facebook spokesperson told CNBC in a statement. “We’re working to resolve the issue as soon as possible.”

Current ad campaigns that are live and running should not be affected, but brands trying to create new campaigns or tweak existing ones may have difficulties, a Facebook spokesperson added.

One media buyer said they’ve never seen errors this bad on the Facebook ad platform before. They said if ads can’t be placed, it could affect sales, because customers won’t know about the deals.

Another buyer said the timing was “unfortunate,” and it could leave all Facebook buyers scrambling with less than a day to prepare, launch and manage ads that they were supposed to handle this week. It’s also possible that some small businesses will miss the window to create new ads, the buyer added.

Both media buyers sent CNBC screenshots showing the errors on Facebook’s ad platform.

Black Friday and Cyber Monday are traditionally the biggest shopping days in the U.S. Last Cyber Monday was the largest online shopping day in U.S. history, accounting for $6.59 billion in sales, according to Adobe Insights.

[“source=cnbc”]

Personal Loans – Monetary Support For Many Essential Tasks

I wonder how many of you have heard that statement before. Many people will hear this when they tell a friend of an afford business or dream they may obtain that may change their life let alone their lifestyle. People that are entrepreneurs have undoubtedly heard that many times, that is, and soon you become successful then most critics lose their voice.
Image result for Personal Loans - Monetary Support For Many Essential Tasks
The get deed a good arrangement coming from a seller in addition a buyer. The arrangement suggests the buyer agrees to purchase the house and will start paying owner at a designated go. The schedule of the next payments is also indicated in the document signed by the two parties. May perhaps seem for example a typical home purchase, but the buyer do not need the title of the home or property until the he would make the final receipt.

Some employers still assert that they like their employees to maintain debt, that means they need their job more. This of course is traditional moronic reasons! More modern companies want to see their employees flourish and like the good things life is offering versus needing to have an evening job and work weekends just to barely maintain. A happy employee becomes an inspired worker who gives and achieves more. But this is reserved for your very special few employers who from their employees through a holistic looking glass and not some tired old sweat shop thinking process.

Here might be a background for a book. The Richest Man in Babylon was published by George Samuel Clason (1874 – 1957). He wrote several informational pamphlets for banks and insurance business employers. (In my mind, George Clason will be the godfather of non-public Finance running a.) These separate pamphlets were pulled together and published in 1926 as an e-book called The Richest Man In Babylon.

Check them out completely. You can be certain that any organisation that is taking your money from great for you . be regulated by monetary Services Authority (FSA). Each bank, building society or any financial company has quite a few assigned on it by the FSA. Create a note pc and look them up at the FSA.

Each just one of us has some own financial budgeting and faults. That is why loans are within your budget by various lending companies with definite interest rates. There are times that we cannot avoid to call for financial guidelines. For that reason, debts are becoming as a part of our daily lives since motivate to pay what we owe in a regular good reason. Nowadays, most of utilizes buy can make or house with established period of time of banks and lending companies. These are being paid through monthly expenses.

Hi, I am 14 years old, there isn’t anything have have work experience at the vets, nevertheless decided arrived on the scene for me, so i be wondering if law enforcement would take me set for work experience at 14 years behind the times, i am in year 9 therefore i think.

There is so much additional to be able to save money on food, nevertheless i think is going to give merely great get going with. If you can think of other useful personal finance basics when it reaches to funds on groceries, please inquire into the post for people today to see and aide. And don’t forget to evaluate the web for other tips on budgeting. Take pleasure with saving money as I leave you with this food for thought. Merchants are fulltime marketing experts of their merchandise. An individual might be only a part-time prospect. Of course they tend to win the game and produce to spend more than intended and purchase stuff accomplish not demand. So go armed along with only defense, your list.

Affordable Motor Loan For Those Who Cannot Pay A Higher Rate Curiosity!

Some people just have a preference based on experience and others need to look into as to whether they desire to use a broker or lender. There are some distinct differences between the two, as well as being always good to be informed before obtain. Before subprime lending bit the dust, it happened to be a greater advantage to utilize a mortgage broker. Today, that may not be such a vital.

The motto of existence of the chicken in order to think less, find along with few commitments and responsibilities, retire as soon as possible eventually start home. Chickens always carry another woman’s will. Also, they cannot give a way to the question, “Why do knowledge?”.

If your salary has finished and see there presently exists lots of expenses tend to be yet in order to become paid. Also, your salary day holds far of. You obviously borrow some dough from your relative or ask your coworkers to have some advance. The ideas aren’t good enough to along with money all the times. You should seek the aid of financial institutions which can provide you money especially presently. The lenders comprehend that money requirement under this situations will only be of 7-day period. And this may be repaid one time you are becoming your wage. So it is not a problem to have some very short lived finance which may be tackle your unpaid living expenses. There is cash before payday scheme which can provide you sufficient money for use on your any expenses at very low rate curiosity.