Martin Keown has warned John Stones he will be making a big mistake if he joins Chelsea this summer.The defender is reportedly ready to hand in a transfer request to force through a move to Stamford Bridge after the Toffees rejected the Premier League champions’ latest £30million offer.But Keown, who made more than 100 appearances for Everton during his four-year stay on Merseyside, says the 21-year-old should stay put for another year at least for the good of his career.Speaking on the Alan Brazil Sports Breakfast, the former England international said: “He should stay. He still needs to grow as a player and he needs to know he is number one choice.“I don’t think the [Chelsea] manager is completely stable at the moment, he is going through a really difficult period, and he is better staying at Everton for another season.“They adore him, the Evertonians. They got me in the England team because they were so supportive. He needs that warmth for at least another year for his development.“He still has things to work on. I don’t think he is superb from crosses, I don’t think he marks brilliantly, I want to see him being more commanding from set-pieces, and all that comes from being the leader in a group for a team like Everton and then maybe he moves to Chelsea.“He is going to be an outstanding player but I don’t get this massive rush. Just stay where you are and develop and do the job for Everton. It is a huge club there.”
6 December 2006The number of South Africans with a bank account rose by around 1.5-million between 2005 and 2006, reaching a total of 15.9-million people or 51% of the country’s 31.1-million adults (people over the age of 16).And the entry-level Mzansi bank account, introduced in 2004 to offer an easy-to-use and affordable banking solution for “the unbanked” in South Africa, has proved “undoubtedly a success”.That’s according to FinMark Trust’s FinScope SA 2006, an annual national household survey of financial services, needs and usage among South Africans.According to the survey, released this week, South Africa’s banked population increased by 11% between 2005 and 2006, far outstripping the 1% population growth in the same period.However, the ability of the banking sector to draw in the other half of the population will depend, ultimately, not on provision of easier or cheaper access, or better financial education, but on fundamental changes in the economic realities of the country.Mzansi: ‘impressive uptake’South Africa’s financial sector charter, signed in October 2003, commits the country’s financial institutions to extending first-order retail banking products to 80% of South Africans in the lowest income bracket (LSM 1-5) by 2008.According to FinScope, South Africa’s low-cost bank account, Mzansi – introduced with these lower-income customers in mind – claimed the lion’s share of new banking customers over the last year.The percentage of South Africans holding an Mzansi account rose from 2% in 2005 to 6% in 2006 – a staggering growth of around 250%. In the same period, the percentage of the banked population using Mzansi grew fourfold, from 3% to 12%.Claimed Mzansi account holders are nearing the 2-million mark, the survey finds, noting that this might be an under-reading of Mzansi’s actual size: the Banking Association SA reported that 3.3-million Mzansi accounts had been opened by June.FinScope says this discrepancy “could be because many users of Mzansi do not actually realise the type of account they hold. For example, PostBank account holders were all switched to Mzansi accounts.”Most importantly, according to the survey, Mzansi has been successful at drawing previously unbanked people into the banking sector, not solely causing account switching among the already banked.“Sixty percent of people holding a Mzansi account claim this to be their first bank account, an encouraging indicator that the product is being adopted by its core target market.”The financial divide persistsHowever, while the drive to bring more South Africans into the banking system appears to be working – and despite strong indicators that uptake of the Mzansi account will continue to grow – the financial divide between rich and poor in the country will, if it persists, sooner or later put the brakes on this growth.According to the survey, investment and even saving money is still uncommon among South Africans – and so is borrowing – with unemployment and lack of money to save being the two main reasons given for not being banked.“Where people do borrow, they do so mainly to buy food, pay for funerals, school fees or medical expenses. The reason is clearly the degree of poverty: 17% of South African say they have no income at all, and nearly one-third of South Africans testify that they do not even have enough to eat.”That over one-third of people (35%) who know about Mzansi still consider the account unaffordable “highlights the real barrier to entry that bank charges pose, no matter how low,” the survey finds.For “a great proportion of our population,” any sort of banking product is unaffordable – and, as things stand, probably unnecessary.“As such, unless the economic realities of our country change fundamentally, the Mzansi account is likely to reach a ceiling in terms of what it can realistically achieve.”SouthAfrica.info reporter Want to use this article in your publication or on your website?See: Using SAinfo material
What it Takes to Build a Highly Secure FinTech … Apple is still the U.S. market share leader when in comes to smartphone operating systems, according to new data revealed today by Nielsen, but just barely. In fact, its lead is so tenuous, that the margin of error on Nielsen’s report places second-place platform RIM BlackBerry in a statistical tie for both Apple’s top spot and the third place spot now occupied by Google’s Android.Says Nielsen, “this race might still be too close to call.”According to Nielsen’s report, Apple has a 28.6% share, RIM a 26.1% share and Android, despite its recent surges, remains in third place with a 25.8% share. Related Posts Why IoT Apps are Eating Device Interfaces However, as noted above, the margin of error is too close to really give the winning title to any of the three.The stats are remarkably different when looked at in terms of recent acquirers (as defined by Nielsen, “recent” means within the past 6 months). Here, you can more clearly visualize Android’s dramatic rise over the course of 2010, from June to November, the months which Nielsen analyzed. Clearly, more new smartphone users are choosing Android (40.8%), instead of BlackBerry (19.2%) or Apple (26.9%). Nielsen doesn’t go so far as to speculate on why Android is gaining, but it could very well be the lower price points for Android devices that seal the deal for many consumers. Some Android phones are priced so low – for example the $179 Huawei Ascend on MetroPCS or the $99 (with rebate) Samsung Intercept on Sprint – that they’re almost comparable to feature phone prices. Considering that, up until recently, roughly two-thirds of the market consisted of feature phone users, pricing has been a critical component in mobile phone choice. But now, thanks to the availability of more low-cost phones combined with the new, lower-priced data plans offered by many carriers, smartphones are becoming more affordable for price-sensitive consumers.So Who’s Winning? You Are.Although much of the focus of today’s news is on who’s winning the smartphone race, the real answer is simple: it’s the consumer, of course.Smartphone adoption is increasing in the U.S. In November 2010, 45% of recent acquirers chose a smartphone, said Nielsen, compared with 34% back in June. It’s obvious that the demand for smartphones is growing as the race between the different platforms heats up, with each trend fueling the other. For consumers, this means the manufacturers and operating system makers will battle for their attention – a battle that will bring new and better hardware, more features and functions and even more price drops. Sounds like a good time to buy a smartphone, if you haven’t already. Tags:#Apple#Google#mobile#Trends#web Role of Mobile App Analytics In-App Engagement sarah perez The Rise and Rise of Mobile Payment Technology
adam popescu Why Tech Companies Need Simpler Terms of Servic… A Web Developer’s New Best Friend is the AI Wai… 8 Best WordPress Hosting Solutions on the Market Top Reasons to Go With Managed WordPress Hosting Tags:#privacy#security#social media California residents, take note: Those nosy bosses are no longer allowed to poke around on your Facebook profile or force you to open up a personal Twitter account.Say hello to California’s new social media law, which took effect January 1. The new regulations make significant changes to the way businesses treat social media. But while some benefits are clear, others are harder to define, and could lead to legal problems later.Technically an adjustment to the labor code, the Employer Use of Social Media law is an important step to creating a barrier between the work force and management, adding much-needed do’s and don’ts to previously nebulous territory. The new law specifically prohibits private and public employers from demanding usernames and passwords to access personal social media accounts or requiring an employee or applicant to show the contents of social media accounts to bosses.While this may frustrate some managers, the new law works to protect employees, mandating that employers cannot discipline in any way an existing or prospective employee for failing to comply to demands to view social media content. But the law does not prohibit employers from accessing information through employer-provided devices or on social media accounts. And there’s still some ambiguity surrounding allegations of account misuse, which can then give employers the green light to demand to see behind the curtain. It’s Not Black And WhiteThe main challenge to the law is ambiguity and enforcement, says San Diego-based Jim McNeill, a partner at the law firm of McKenna Long & Aldridge and a specialist in labor and employment relationships.The problem is the notion of misconduct, which the law broadly states can be a reason for accessing social media accounts, without giving a clear definition of what misconduct is. Misconduct can be interpreted on a case-by-case basis, so McNeill thinks this caveat will end up being decided in court. “If allegations against an employee were that they were engaging in going on the Internet and accessing their personal Facebook account on work time, would that suffice to allow the employer to demand access to the account?” McNeill asks. Another problem, he added, is the use of employer-owned devices and technology – especially when employees are not on the clock. If they’re accessing personal accounts via the company-owned smartphones or laptops, where is the line drawn between personal and private information?“The interesting part there is how that’s going to interact with employee access to a site with the employer’s device, off company time,” McNeill says. McNeill believes the law can help employees make smarter decisions about what they say on social media sites, because talking trash about an employer could count as misconduct and be grounds for employer eavesdropping. But its ambiguities make navigating this new law a possible trap within the legal system. Treating Social Media PersonasIn that vein, Heather Meeker, the vice president of corporate communications for free text and mobile service textPlus, still recommends not posting “anything online that you wouldn’t be comfortable having shared publicly.”Nick Cicero, the lead social strategist at Livefyre, a San Francisco-based commenting and social engagement platform, says one way to protect yourself is to have a “distinct separation of work and personal accounts.” But with our personal lives more and more entwined with our professional personas, that can be easier said than done – especially if you use social media as part of your job. “Unfortunately the evolution of online identity doesn’t always make this an easy black-and-white reality,” Cicero laments.One solution to help navigate this ambiguous new law is detailed intra-company social policies that clearly spell out do’s and don’ts. “Companies looking to have a handle on their employees’ social media activities should lay out a comprehensive social policy as to how employees should act online. That way there is an understanding between company and employee at all times,” Cicero explains. “We support openness and individualism.”But if you work in a company that’s less open-minded, you might want to double check just how individual and open you want to be. Image courtesy of Shutterstock. Related Posts
The parish of Manchester now has a diagnostic and care centre, which will cater to the special learning needs of children with autism and cognitive challenges.The Educational Assessment and Resource Centre, located on the grounds of Church Teachers’ College in Mandeville, was built by the Government at a cost of $35 million.It boosts two play and learning rooms, observation room, a nurses’ station, an administrative section, as well as lunchroom, bathrooms, offices and laboratories.On staff are a special educational psychologist, a clinical psychologist, and special education teachers. The spacious two-storey structure will open to the public on March 11.Minister of Education, Youth and Information, Senator the Hon Ruel Reid, said that the establishment of the centre is in keeping with Government’s focus on ensuring that the education system is inclusive and enables students to maximise their full potential. Minister of Education, Youth and Information, Senator the Hon. Ruel Reid, delivers the keynote address at the opening of the Educational Assessment and Resource Centre at the Church Teachers’ College in Mandeville, Manchester, on February 19. The Educational Assessment and Resource Centre, located on the grounds of Church Teachers’ College in Mandeville, was built by the Government at a cost of $35 million. Story Highlights The parish of Manchester now has a diagnostic and care centre, which will cater to the special learning needs of children with autism and cognitive challenges. “We are going to use the diagnostic centre to make sure that no child is left behind in the region,” he said, noting that it will customise learning through the use of technology.He was delivering the keynote address at the official opening of the centre on February 19.Senator Reid said that global figures indicate that one in every 10 students is likely to have severe special needs.He noted further there are persons with mild autism, who go undetected. “Indeed, one in every 42 boys is autistic and one in every 167 girls is autistic. Autism is on a spectrum of mild to severe. Some of the challenges faced in the classroom are because this goes undetected,” he said.The Education Minister said that in addition to establishing assessment and diagnostic centres, increased focus will be placed on an early stimulation/intervention strategy that addresses needs during the first 1,000 days of the child’s life.The United Nations Children’s Fund (UNICEF) has said that the period spanning between conception and one’s second birthday is when the foundations of optimum health, growth and neurodevelopment across the lifespan are established.“Learning begins from conception because the first 1,000 days from conception to age two is a key age; two is the highest point of their cognitive neurological development (brain capacity)” Minister Reid added.In his remarks, Jamaica Teachers’ Association (JTA) President, Dr. Garth Anderson, said the body has been advocating for the early assessment of students entering the education system at the early-childhood level for the purpose of developing a learning profile and targeted intervention.Jamaica Teachers’ Association (JTA) President, Dr. Garth Anderson, addresses the official opening of the Educational Assessment and Resource Centre at Church Teachers’ College in Mandeville, Manchester, on February 19. It boosts two play and learning rooms, observation room, a nurses’ station, an administrative section, as well as lunchroom, bathrooms, offices and laboratories. Dr. Anderson, who is also Principal of Church Teachers’ College, urged that the diagnostic centre be fully utilised to “fulfil its mission of not only assessing students but to also be effective in changing the way in which we do teaching and learning”.
Tuesday night’s 3-2 loss to the Anaheim Ducks was the Columbus Blue Jackets’ first regulation defeat in their last six games — and it hurt. Goals from left winger captain Rick Nash, who has scored in the Jackets’ past eight games, and center Derick Brassard were not enough to overcome early power-play goals by Anaheim at Nationwide Arena. In the first period, Jackets winger Derek Dorsett unleashed a dangerous hit on Ducks winger Corey Perry, sending him headfirst into the boards. Perry fell to the ice, and players from both teams exchanged shoves behind the Anaheim goal before referees separated the players and assessed a five-minute boarding penalty to Dorsett. “It was a hit from behind,” Jackets coach Scott Arniel said. “It’s the referee’s judgment call. When you give (Anaheim) a five-minute major, that gets them off to a pretty good start.” That judgment call produced a two-goal lead for the Ducks. Anaheim wingers teamed up for the first tally. Bobby Ryan fed a pass across the slot to a streaking Teemu Selanne, who had no trouble scoring his 15th goal of the year to give Anaheim a 1-0 lead. Defenseman Cam Fowler’s fifth goal of the year gave the Ducks a 2-0 lead just more than a minute later. After being fed by defenseman Lubomir Visnovsky and center Saku Koivu, Fowler snapped a long-range shot that snuck past Jackets goalie Steve Mason. Before Columbus fans had settled into their seats, the Ducks had scored their first two shots of the game. But the Jackets responded with a power-play goal of their own just before the first intermission. Nash cut the Ducks’ lead in half with a wrist shot from the slot. Brassard assisted on Nash’s 23rd goal of the season, which made the score 2-1. A quiet second period saw the teams exchange scoring opportunities, but Mason and Ducks goalie Jonas Hiller denied everything. Mason and Hiller finished the night with 19 and 35 saves, respectively. But the game had more goals in store, as Ducks winger Jason Blake would give the Ducks breathing room early in the third period. Blake scored his 10th goal of the season on an uncontested backhand shot, extending the Ducks’ lead to 3-1. Mason was left helpless and hunched in the lower, left-hand corner of his goal when Blake emerged from behind the net. Brassard later narrowed Columbus’ deficit to 3-2 after a redirected shot from the blue line fell to him just outside Hiller’s crease. The tap-in goal, assisted on by winger Jakub Voracek, was Brassard’s 12th of the season. Thanks to Hiller, who extinguished a late surge by the Jackets, the Ducks eventually held on for a 3-2 win. Despite Tuesday’s loss, Columbus will enter the NHL All-Star break with a 3-1-2 record in its last six games. Brassard focused on the Jackets’ recent improvements following the loss to Anaheim. “I think we had a good push tonight,” Brassard said. “In the third, we competed really hard. We are just going to take some rest right now and make sure we are ready to make a big push.” Coach Randy Carlyle’s Ducks head into the midseason break in fifth place in the Western Conference. Carlyle commended his players for their effort. “The guys are putting it on the line,” Carlyle said. “Our guys have worked extremely hard to get themselves in the position we are in. We’re having some fun right now.” Arniel managed to stay upbeat about his team’s current standing after the game. “What we’ve done in the last two weeks has been very good,” Arniel said. “I like the way we’re working and competing.” The Blue Jackets will host the Chicago Blackhawks at 7 p.m. Tuesday.
OSU freshman goalie Jill Rizzo saves a shot against Vermont Credit: Walt Middleton – Courtesy of OSU AthleticsThe Ohio State women’s lacrosse team (6-5) has dropped four of their last five games, three of which came on the road to Notre Dame, Holy Cross and Harvard. The latest loss came in a one-goal, overtime contest at home against Michigan. The Buckeyes now head to New Jersey on Friday to take on Rutgers. The Scarlet Knights were responsible for ending OSU’s 2016 campaign, when they beat the Buckeyes for the second time in the Big Ten tournament. “After last year we kind of have a rivalry,” senior attacker Molly Wood said. “They ended our season last year and no matter who ends your season you have a chip against them in the next year.”OSU will need to come out and find a source of offense as they’ve only averaged 8.75 goals per game over their last four contests. The offense has not been at full strength for the last couple games, as freshman attacker Liza Hernandez has missed the previous two games.“She’s working hard to back on the field,” OSU coach Alexis Venechanos said. “We’re going to continue to work together as a unit. I think our offense, midfield, defense and goaltending is picking it up and that’s all you’ve gotta do is control what you can bring.”While the Buckeyes have hit a rough patch, they could not have been a better spot in the season for a slump to occur. Their last four losses have been by an average of just 2.75 goals against some very tough competition on the road. That coupled with the fact that Big Ten play is still young bodes well for OSU (0-1 Big Ten) if the team is able to come out on the right end of this swing in New Jersey.“With Big Ten play, we all know how important this part of the season is,” sophomore midfielder Baley Parrott said. “I think we’re all going to come out really fired up for the rest of the season.”Rutgers (5-4, 0-1 Big Ten) are coming off an 18-7 loss to the Penn State Nittany Lions, but were riding a three-game win streak prior. Their leading points getter, senior attacker Amanda Turturro, has 14 goals and 11 assists, and will look to continue to be a steady stream of production for her team, but the Scarlet Knights are able to find goals from many different players. Their leading scorer, junior attacker Nicole Kopyta, has found the back of the net 17 times coming off of the bench.“We all have some of our closest friends that pgo and play lacrosse at Rutgers so I think it makes it a friendly rivalry in a way,” Parrott said. “I think we’re all that much more motivated with the way our season ended last year. We’re that much more motivated to come back this year and beat them.”The Buckeyes will remain in New Jersey over the weekend to take on the University of Southern California on Sunday. The No. 10 Trojans are 6-2 on the season and will also arrive to the Northeast on Friday, when they take on Stony Brook. The game between OSU and Southern Cal will take place at a neutral site — Mountain Lakes High School. “We love playing in the Northeast,” Venechanos said. “A majority of our players are from there … so I think it’s an opportunity for both of our programs to play in front of some friends and family but also play against a strong opponent.”The first game of the weekend is set for a 7 p.m. face-off against Rutgers, with the second game scheduled to start at noon on Sunday.
In the late Sunday game in LaLiga, Atletico Madrid failed in the quest to earn three points against a Real Betis team that looks unbeatable at the moment.The result itself is not a reason to despair. What’s concerning is the fact that Simeone’s men have now failed to score in two consecutive matches and the Europa League matchup with Arsenal is looming on the horizon. Is the exhausting schedule catching up to his team, or are they just taking a breather and saving energy for what’s to come?Report: Owen now turns his attentions to Beckham George Patchias – September 4, 2019 Michael Owen has now turned his war of words towards David Beckham.In the players serialised book in the Daily Mirror, “Reboot” has now turned…The Wanda Metropolitano outfit now has a solitary win in its last five fixtures. The absence of Diego Costa is obviously hurting the team, as Fernando Torres is nowhere near the player he used to be and is not an adequate replacement. Since Costa is set to miss the first leg versus Arsenal, Simeone will need to find a solution up front or risks failure.Diego Simeone did rest several of his first-team regulars against a side that had won their previous six games. Cristian Tello hit the post for Betis, while Saul struck the crossbar for the hosts. The 0-0 draw means that now Barcelona only needs a point against Deportivo la Coruna next Sunday to officially win the title.
Fernando Torres played his last game for Atletico Madrid today as his contract won’t be renewed and he can possibly come back to Premier League where he used to play for Liverpool and Chelsea.The Spanish striker can reunite with Rafael Benitez who is currently coaching Newcastle and the manager himself didn’t rule this option out as he admitted that he would be, for sure, interested in this move.Benitez spoke about this possible surprising transfer as he said, according to Shields Gazette:“I think it will be harder for him to come, not because we don’t want to.”Jose Mourinho is sold on Lampard succeeding at Chelsea Tomás Pavel Ibarra Meda – September 14, 2019 Jose Mourinho wanted to give his two cents on Frank Lampard’s odds as the new Chelsea FC manager, he thinks he will succeed.There really…“I don’t know what’s going on in his head, but maybe he is thinking about something else.”“It would be appealing, but I don’t think it would be easy.”“In Liverpool, he was sensational.”“Then we went to Chelsea and, although he had a bad time when he arrived, he was essential for us in winning the Europa League.”
Belgium manager Roberto Martinez recently claimed he is still keeping track of John Stones’ performance in Manchester City.The coach is far from being alone as someone who enjoys and appreciates the growth of Stones during his stay in City. Martinez is known to have been interested in the youngster while in Wigan, but got the chance to work with him a few months later – when he moved to Everton.Even though Stones did not show his full potential, it was enough to prove to Pep Guardiola and co. that he is worth the money.Report: City are stunned by Norwich George Patchias – September 14, 2019 Manchester City was stunned by Norwich City in todays Premier League clash.Much has been made in recent days of the potential impact of Aymeric…“I was scouting John for Wigan and we missed him on deadline day, and then he signed for Everton in January 2013,” Martinez reminisced, according to Manchester Evening News.“He hadn’t made his debut when I joined Everton that summer, but, from day one, I knew John had to be a centre-half and he had the composure on the ball to play there.”“It was a really interesting journey to see him grow and taking responsibility and get to the level he has got to. He has a big future,” Martinez went on to add.