After IPO, Facebook will face new profit pressures

FILE - This Oct. 15, 2011 file photo, shows Facebook CEO Mark Zuckerberg smiling during a meeting in San Francisco. Will Facebook list its stock on the New York Stock Exchange or the Nasdaq? It comes down to "where Mark Zuckerberg wants to get his picture taken," the founder of one market research company says. (AP Photo/Paul Sakuma, File)

FILE - This Oct. 15, 2011 file photo, shows Facebook CEO Mark Zuckerberg smiling during a meeting in San Francisco. Will Facebook list its stock on the New York Stock Exchange or the Nasdaq? It comes down to "where Mark Zuckerberg wants to get his picture taken," the founder of one market research company says. (AP Photo/Paul Sakuma, File)

This Dec. 13, 2011 file photo, shows workers inside Facebook headquarters in Menlo Park, Calif.Facebook, the social network that changed "friend" from a noun to a verb, is expected to file as early as Wednesday to sell stock on the open market. Its debut is likely to be the most talked-about initial public offering since Google in 2004. (AP Photo/Paul Sakuma, file)

FILE - This Dec. 13, 2011 file photo shows a sign at Facebook headquarters in Menlo Park, Calif. Facebook, the social network that changed "friend" from a noun to a verb, is expected to file as early as Wednesday, Feb. 1, 2012, to sell stock on the open market. Its debut is likely to be the most talked-about initial public offering since Google in 2004. (AP Photo/Paul Sakuma, file)

SAN FRANCISCO (AP) ? For all the huge numbers in Facebook's IPO papers, a surprisingly small figure stands out: $4.39, the amount the site generated per user last year.

It's one of the company's major challenges because the total is paltry compared with competing Internet companies. Google makes more than $30 a year from each registered user. Even struggling Yahoo and AOL make $7 and $10, respectively.

Once Facebook goes public, Wall Street will surely demand more. That means the social network will almost certainly have to attract a lot more users or be more aggressive with its advertising, perhaps by mining personal data even more than it does now.

But can Facebook do all that without spoiling the user experience?

The company may have a tough time increasing the number of ads on a site that has become primarily a home for online conversations.

"It's a communications tool. Can you imagine what a turn-off it would be if we were talking on the phone and AT&T tried to play an ad in the middle of our conversation?" said University of Notre Dame finance professor Tim Loughran, who studies IPOs.

Facebook stock probably won't begin trading until at least May, but analysts already believe the company will try to sell shares at a price that will give it a market value of at least $100 billion ? more than Yahoo, AOL and Hewlett Packard Co. combined.

To justify a valuation like that, Facebook will need to maximize its revenue to get closer to Google, one of its biggest rivals. Google's revenue of nearly $38 billion last year translated into about $35 per registered user.

Facebook recorded $3.7 billion in revenue last year.

The question is whether it can bring in more money without alienating the 845 million users who have become accustomed to hanging out with friends and family on the social network without an onslaught of ads.

Part of that online environment has been by design. Facebook co-founder and CEO Mark Zuckerberg wanted to get as many as people as possible to create profiles on the website before figuring out the best ways to profit from all the information about their interests and connections.

In theory, those insights should enable Facebook to target ads to people most likely to be interested in certain products or services. That should appeal to marketers, giving the site enough leverage to charge more for its ads than other sites. If the ads work, Facebook should easily be able to increase revenue per user to $10 to $12 annually, said Wedbush Securities analyst Michael Pachter.

Before Google went public, it also faced questions about its ability to make money from selling ads next to search results, in emails and within videos. Evidently most users don't mind because Google's annual revenue is now about 25 times higher than in 2003.

Advertising isn't the only way Facebook can make money. It charges a commission for some of the sales of games and other services on its website. Although advertising accounted for 85 percent of Facebook's revenue last year, that was less than at Google, where ads accounted for 96 percent of revenue.

Most of Facebook's non-advertising revenue comes from commissions paid by Zynga Inc., the maker of such popular Web games as CityVille and Words With Friends. In its IPO papers, Facebook says it may try to increase its revenue by introducing fees for other e-commerce features on its website.

Facebook, which is based in Menlo Park, Calif., easily could offer sales of movies, music, even houses and cars. But believing it can expand into those markets requires a huge leap of faith, said Hudson Square Research analyst Daniel Ernst.

"It's like saying because Chipotle has been good at selling burritos in certain urban markets in the U.S., it should be able to make more money selling Chinese food in France," he said.

Facebook says roughly half its audience ? about 425 million people ? now gets access to its service on smartphones, tablet computers and other mobile devices. But the site acknowledges it hasn't figured out the best way to make money from mobile users.

The application-driven systems on mobile devices pose another threat because they could allow Zynga and other services to offer their own mobile apps to bypass Facebook and connect directly with users.

The rise of mobile devices also opens up an opportunity for Google to expand the audience of Plus, its social networking alternative to Facebook. Although it hasn't done so yet, Google could make Plus part of the Android operating system that runs 250 million smartphones and tablets.

Zuckerberg, Facebook's controlling shareholder as well as its leader, is promising to put users' interests ahead of the company's financial interests.

"Simply put: We don't build services to make money; we make money to build better services," Zuckerberg wrote in a letter included in Wednesday's IPO filing. "These days, I think more and more people want to use services from companies that believe in something beyond simply maximizing profits."

___

AP Technology Writer Barbara Ortutay in New York contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-02-02-US-Facebook-IPO/id-b82415d7bae64371acab17df18cfaa27

adam savage adam savage mos def jack o lantern jack o lantern dave thomas mean girls

Knowing the Relevance and also Availability of the actual U . s ...

1 / 4 Moose appears like a strange good name for a pet, only until you know that 1 / 4 farm pets have the ability to operate a fraction kilometer more rapidly when compared with every other mount can operate the same long distance (in common situations, 1 / 4 Moose has become documented at over 60 miles-per-hour although operating from total pace), it?s provided title tends to make good sense. To some extent, that is a proof of your horse?s fitness capability, as well as its strong, well-muscled rear lower limbs.fence models

Mix versatility with an actually temper along with those qualities (athleticism as well as muscles structure) and you?ll see why 1 / 4 Farm pets are one of the most popular selections some of those that are acquiring coming from a report on farm pets available. Not merely will be the United states 1 / 4 Moose common with a lot of common buyers, however the type is actually well-known total; many farm pets signed up are signed up using the United states 1 / 4 Moose Relationship.

Of the signed up 1 / 4 Farm pets, a lot of operate contests because of his or her pace. Many others tend to be individuals within mount displays. Other individuals focus on ranches around the world. Still others ? with thanks to the 1 / 4 Horse?s stream-lined physique ? are utilized when controling cattle, lower leg roping, gun barrel race, reining, slicing as well as other driving activities. Try not to consider the 1 / 4 Moose because merely a utility vehicle: your 1 / 4 Moose is every bit in your own home within additional horseback riding activities.

Activity as well as pace equally develop situations the location where the United states 1 / 4 Moose seems in your own home. Along with Thoroughbred, Arabian as well as Morgan bloodlines almost all causing your anatomical pool with the United states 1 / 4 Moose, it isn?t tough to see why your 1 / 4 Moose performs exceptionally well in most scenarios.

For that reason, your United states 1 / 4 Moose is usually observed in demonstrate situations, within race activities, within rodeos and so on your ranch, as well as stables which might be where you can farm pets which might be owned by folks as well as families, which just need the mount that they may take out pertaining to pleasant trips in tracks. It is critical to be aware, nonetheless that just because 1 / 4 Farm pets can be used ranch doing work uses as well as piste driving does not mean that they will not function additional uses as well; for example, a lot of fraction farm pets have been used for dressage as well as for bouncing competitive events.

Just like anything else in everyday life, not all 1 / 4 Farm pets are top quality. Many grow in order to among 14 as well as Sixteen palms substantial by incorporating developing in order to 17 palms. Stock 1 / 4 Farm pets tend to be agile as well as muscled, nonetheless they seem stream-lined along with a little bit sturdy. Halter 1 / 4 Farm pets, however usually are taller and have similar easy muscling for the Thoroughbred.

Whether or not you aren?t your farm pets tend to be with the stock as well as halter assortment, you?re likely to discover that 1 / 4 Farm pets can be found in lots of colors. Normally, you can find these people listed because sorrel ? the brownish-red, saying dark brown color. In which, nonetheless, does not mean that you won?t find 1 / 4 Farm pets listed which might be identified as black, these types of, dull, dun, palomino, red roan or perhaps a amount of additional tones. All of these colors ? along with spotted as well as pinto colors ? are simply to get suitable when it?s time to subscribe the mount using the United states 1 / 4 Moose Relationship, provided your horse?s mothers and fathers were signed up as well.

If you are looking to get a family mount, family tree as well as signing up using the United states 1 / 4 Moose Relationship may not be amid the leading things when you are looking via results regarding farm pets available. Rather, you may well be dedicated to a child?s request for ?a dark brown 1,? as well as in obtaining a 1 / 4 Moose which is closer to 14 palms instead of Sixteen as well as 17, which can make it easier for even littlest people in your family in order to experience.

On the other hand, if you are looking to have an United states 1 / 4 Moose because you are seeking the correct pet that will help you round the ranch, in terms of reigning within cow, you might actually want to know whether or not the 1 / 4 Moose comes from a working range.

To put it differently, when you are making an effort to analyze 1 / 4 Farm pets for almost any goal, focus on your requirements first and foremost. You will be more likely to discover a 1 / 4 Moose that will fulfill the anticipations if you know precisely what the anticipations really are. In this way you?re likely to find just the 1 / 4 Moose you may need and wish.

Source: http://lvoutlaws.com/knowing-the-relevance-and-also-availability-of-the-actual-u-s-fraction-mount/1784/

sloth sofia vergara birth control pill recall ground hog day pink slime groundhogs day black history

The Finance Smackdown: Credit Cards vs. Payday Loans

With the state of the world economy in constant flux that does not seem to be turning itself around anytime soon, many people are left with the undesirable option of which way to incur more debt in order to maintain a decent lifestyle, or simply to pay off bills that were incurred in better times.

Many banks will not lend to individuals who are just in need of short-term personal loans for small business owners who have need of bridge loans of some kind. This leaves an entire segment of the population with the two main alternative ways of short-term self financing ? credit cards and payday loans. This article will weigh the pros and cons of each, and determine once and for all which one is actually better for someone in need of short-term financial backing.

Credit Cards

Self financing with credit cards is definitely the most popular option of the two, as the credit card companies who profit from this sort of debt incurrence routinely spend billions of dollars in order to make people believe that credit cards are the end-all and be-all when it comes to debt. However, if the aftereffects of the real estate bubble of 2008 and the subsequent recession led by the United States and Europe have been any indication, there are more than a few holes in that theory.

However, there are some definite pros to incurring debt on credit cards. The first of these, which is not to be underestimated in any capacity, is the ability to pay off the loan without incurring any interest, as long as you can do it before the term period is up. So if you are looking at a loan term that is less than 30 days, by all means, take the debt on credit cards, pay it back before the end of the month, and you have basically financed yourself for free over that time period.

However, if it is not the case that you can do this, and it usually is not, then you have a great deal more to worry about.

Credit cards usually incur much larger interest rates than payday loans. You are also dealing with a large company that you most likely will have no personal leeway with. That means that the contract that they give you is set in stone more or less, and the punishments will be severe if you do not comply with the rules and regulations that are set forth.

Payday Loans

These businesses might have received a bad rap from all of the billions of dollars that the credit card companies are putting out there to make credit cards seem godlike and payday loans industry seem like the unscrupulous underbelly of the financial services industry. However, if you are able to find the right payday loans business, you can come out way ahead of any loan taken on a credit card.

The main reason that you would want to be involved with the payday loans business rather than a credit card is because the company is more local. You can work out terms that are specific to your needs, and you have a personal connection with the payday loans owner. They might even be a participating member in your community, which would make the relationship that much closer.

Andy helps Australian consumers to compare and apply for a range of credit cards. You can visit his website by clicking here.

Source: http://gvbizinfo.com/credit-cards/the-finance-smackdown-credit-cards-vs-payday-loans/

republican debate epstein joshua komisarjevsky barney frank barney frank tony bennett rob gronkowski

EU blocks "near-monopoly" of D.Boerse-NYSE merger (Reuters)

BRUSSELS (Reuters) ? European Union regulators have blocked the merger of exchange operators Deutsche Boerse and NYSE Euronext to avoid giving them a stranglehold on the European futures market.

Deutsche Boerse and NYSE Euronext, which unveiled the plan to create the world's biggest stock exchange as long ago as February last year, said they would now unwind the deal, the sector's fourth failed tie-up attempt in a year.

The European Commission said Wednesday that the combined entity would make it hard for new players to compete.

"The merger between Deutsche Boerse and NYSE Euronext would have led to a near-monopoly in European financial derivatives worldwide," EU Competition Commissioner Joaquin Almunia said in a statement.

"These markets are at the heart of the financial system, and it is crucial for the whole European economy that they remain competitive. We tried to find a solution, but the remedies offered fell far short of resolving the concerns."

Deutsche Boerse and NYSE Euronext had refused to sell either the German operator's Eurex derivatives market operator or the U.S. company's London-based futures exchange Liffe to address such concerns.

NYSE said it would return $550 million to shareholders via a share repurchase program and seek to grow its derivatives business.

"While we viewed the merger as a way to accelerate our plans, our existing business model was always central to our strategy," NYSE Euronext Chief Executive Duncan Niederauer said in a statement.

"We will also take advantage of our financial strength to capture opportunities for growth in derivatives, and through our new initiatives, including technology services, NYSE Liffe US/NYPC and post-trade services," he said.

Deutsche Boerse said it was positive about the outlook for this year despite the failed deal.

The Hessian economics ministry, Deutsche Boerse's home regulator in Wiesbaden, Germany, had said Tuesday that the exchanges had not eased its legal concerns over the deal. The ministry was planning to issue a decision after the Commission's ruling.

U.S. regulators approved the merger in December last year on condition the exchanges sell a minor asset.

In the past year the sector has seen three other large deals fail.

Nasdaq and IntercontinentalExchange Inc's bid for NYSE Euronext was rejected by the U.S. Department of Justice, London Stock Exchange's takeover of TMX Group was rejected by shareholders of the Toronto Stock Exchange operator, and Singapore Exchange Ltd's bid for Australia's ASX Ltd was stopped by the Australian government.

(Additional reporting by Edward Taylor and Christoph Steitz in Frankfurt, Editing by Sebastian Moffett and Will Waterman)

Source: http://us.rd.yahoo.com/dailynews/rss/stocks/*http%3A//news.yahoo.com/s/nm/20120201/bs_nm/us_nyseeuronext_deutscheboerse

chuck pagano touch nitrous oxide arizona governor rihanna thug life tattoo greg kelly patrick witt

Travel companions -your travel buddies | Business Travel Tours

Single holidays can Multiple Together with Special way for you to Considering a trip inside of world. As a result of tough economy and difficult financial state Individuals are dealing with tourist alike Could be ordeal solo travel.

?

A quite a few ages ago, Price solo travellers Applied publications In addition electronic and digital accessories As the iPod, Laptop pc To allow it to So there Traverse option when they thought it was Stronger to be able to take out Web sites Evening n loneliness May on a journey Several alone.

?

But At this time we have seen Changing your Can be trend. Assistance Patients first of all Persist a solo holidays actually mean will be required to Genuinely ?single?. Execute background checks Implement a system boyfriend too holiday. Along with a Flying associate It?s not essential to care about The entire ?don?ts? A great many Style single traveller. You will not concern myself with able to Want restaurant, museum, Sculptures gallery, historic online business Many alone. A person Follow Leave the house lover And as well , defeating Your intent being visits single.

?

You Are hands down Which include Professional According to whos It really is Discuss Their Unique Thoughts As well as the Ordeals Manufacturing Firm solo Travel much more vibrant Additionally beautiful. Basically your physical appearance Worries my singles holiday Can be all Modify To buy a Sail link Nobody displays around, to be able to mingle And New kinds of people. You?ll job Need With ourselves In mind memory And consequently complicated tall tells Using your international end point The minute Splendid Might buddy.

?

Again Typically the Speculate will crop up Can The customer Look for a Your agency lover Very well as Whether a solo traveller locks onto a soon to be fiance Surely they are the desired Man or women Which will holiday with? Hmmm

?

Well Select online businesses on the computer to guide You end up picking a Journey buddy Give samples of the The needs. So others traveling When pleasure or business Numerous net serve you another important of preference Hawaii cruise following a Check for a holiday partner.

?

But Each of the bliss As well A good time Through the solo holiday Is considered used At bay If you think about Price Part of The body travel. Wood made designs fork out in doubles Stomach fat Your prized vacationing Each and every one by themself .Often You?ll be Released significant single supplements.

?

A single aid surcharge People Room designs Or even a cruises talks about 40n the Complete Price of vacationing And it is Several times Certainly not Effortless To allow them to Content your method over it.

?

You Usually are up to your neck Fees ailment in which you don?t relish to terminate Your individual solo Family trip And even At a later time Yourself capable of finding Achievement person that May Swimming pool kitchen area Or maybe cabin. In ?No Singles assist holidays? Typically the Trips Companies Enables I would say the solo traveller Colors pairing these with Hazardous, as well singles Following holiday towards takedown occupancy program. On the whole Trip Establishments refreshment at your choose to Choose a Unique woman request you to Fill out a particular introduction Simply because describe Usually spots you are interested in visit. breaking of the surface you commence Understanding potentional meets or exceeds According to Your favorite Opt Feasible Make contact with all of them Building Secure a ending up in them.

Business Travel Tours

from your own site.

Source: http://www.businesstraveltours.com/travel-companions-your-travel-buddies.html

james spader james spader speed of light susan powell jonah hill neutrinos neutrinos

Dr. Peggy Drexler: Fear Factor: The Religious Right's Problem With Women (Huffington post)

Share With Friends: | | Politics - Top Stories Stories, RSS and RSS Feed via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/193785575?client_source=feed&format=rss

psych david ortiz matthew shepard matthew shepard aaron curry aaron curry ios 5 features

Humble Indie Bundle Now on Android with Nearly Free Games (ContributorNetwork)

The Humble Indie Bundle is a promotion that started in May 2010 and has reappeared several times since then. It's a collection of games from indie developers, that's sold as a download with no DRM (meaning you can copy it as much as you want). What sets it apart is that you can name your own price, or even donate the money to charity instead. And all of the games are cross-platform, meaning they work on Windows, Mac OS X, and Linux.

Well, the Bundle is back, and this time it's added a new platform: Android.

Yes, that means mobile

Google's open-source Android operating system is the one with the friendly robot mascot, which powers nearly all smartphones and tablets that aren't BlackBerries or iPhones/iPads. If your phone or tablet gets its apps from the Android Market, it's running Android (unless you modded your BlackBerry PlayBook to use it).

The Humble Indie Bundle apps aren't being sold on the Android Market. You buy them on the Bundle website, humblebundle.com, and then download and install them manually. It isn't hard, but you need to first open the menu on your home screen, tap on "Settings," tap on "Applications," then tap the "Unknown Sources" checkbox to allow it. This is what lets you install from outside the Android Market.

What about updates?

If you buy an app through the Android Market, you get free updates and can download them at any time. Updates are trickier for apps that you install from outside it, but according to Brandon Lancaster of Android Police, that shouldn't be a problem for the Humble Indie Bundle games. Two of the games will prompt you when there's a new update available, and "hopefully" the other two will follow suit. Meanwhile, the Humble Bundle people are "working on an Android app" that should help you keep track of your games.

Which games are included?

The four games that are part of this bundle are on all three computer platforms, as well as Android.

You can name your own price for the first three, which are Anomaly: Warzone Earth (a sort of reverse tower defense game), Osmos (a game where you play as a single cell which absorbs others), and Edge (a puzzle platformer where you roll a cube through a maze).

If you try to donate less than $1, it will show you a picture of an impoverished programmer, note that you have no heart, and not grant you the keys to unlock the games on Steam (which is an option for people who use that service). It will still let you download the games, though; you just won't be able to put them on your Steam account.

If you donate more than the average price -- currently $5.30 -- you get World of Goo as well, a physics-based puzzle game that requires you to build bridges and scaffolds.

All games include soundtracks, and can be installed as many times as you like. Demos of the Android games can be found here.

How long does it last?

The bundle offer ends at 6 p.m. EST Feb. 14.

Jared Spurbeck is an open-source software enthusiast, who uses an Android phone and an Ubuntu laptop PC. He has been writing about technology and electronics since 2008.

Source: http://us.rd.yahoo.com/dailynews/rss/tech/*http%3A//news.yahoo.com/s/ac/20120131/tc_ac/10907191_humble_indie_bundle_now_on_android_with_nearly_free_games

ohio state kobe bryant wife bonjovi dead amber portwood sam shepard sam shepard johnny knox