Archive for July 20, 2014

The Top 12 Marketing Tips for the Holidays

July 20, 2014 Leave a comment

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The Top 12 Marketing Tips for the Holidays

Sleigh bells ring, are you listening? Though the holidays might seem far away, leading retailers will start planning
for the holidays before summer officially arrives. Whether you’ve kicked off your planning or you haven’t even
started, there are several ways to ensure that the 2014 holiday season is stellar. Making significant changes to
your program in the blizzard of the holidays can be difficult, chaotic and risky. To help you and your team have a
successful holiday season, we offer the 2014 edition of “The Top 12 Marketing Tips for the Holidays.”
Before unwrapping the “Top 12,” we need to get into the holiday spirit by taking a step back and reflecting on the
past year:

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July 20, 2014 Leave a comment

NY Times

July 20, 2014

Ever since Levi’s dove into the world of cycling with itsCommuter line, they’ve attempted to blend the classic Levi cool with a higher level of functionality. So it’s of little surprise that they are now teaming up with Brooks England Ltd. to make a limited edition bicycle saddle.

Brooks is most famous for its leather saddles, but this collaboration will be based off its Cambium line, which utilizes a blended vulcanised rubber compound that is molded and cut with the goal of mimicking the feel of a broken-in leather saddle while providing a more durable, water-resistant, and lighter seat. The top of the saddle is covered with fabric for added comfort and aesthetic.


Levi’s donated used denim, which Brooks repurposed to cover the seat. So instead of the standard black, a rider is treated to their saddle blending right in with their jeans as they ride.

The first 60 saddles will be sold exclusively at Levi’s Commuter Workspaces in Brooklyn, Los Angeles and the UK, while online orders can be made through Brooks’s webstore in October. If you want to donate a pair of used denim for the project, bring it to one of the workspaces and get treated to 20% off both companies’ webstores, along with a chance to win a free saddle.

Is this too much denim for the average denimhead? Check out Brooks’s teaser video to get an idea of what’ll be expected and sound off below.

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In Subprime Auto Bubble, Borrowers Pay Sky-High Rates

July 20, 2014 Leave a comment

The New York Times


Sunday, July 20, 2014 8:13 AM EDT
Auto loans to people with tarnished credit have risen more than 130 percent in the five years since the immediate aftermath of the financial crisis, with roughly one in four new auto loans last year going to borrowers considered subprime — people with credit scores at or below 640.
The explosive growth is being driven by some of the same dynamics that were at work in subprime mortgages. A wave of money is pouring into subprime autos, as the high rates and steady profits of the loans attract investors. Just as Wall Street stoked the boom in mortgages, some of the nation’s biggest banks and private equity firms are feeding the growth in subprime auto loans by investing in lenders and making money available for loans.
The New York Times examined more than 100 bankruptcy court cases, dozens of civil lawsuits against lenders and hundreds of loan documents and found that subprime auto loans can come with interest rates that can exceed 23 percent. The loans were typically at least twice the size of the value of the used cars purchased, including dozens of battered vehicles with mechanical defects hidden from borrowers. Such loans can thrust already vulnerable borrowers further into debt, even propelling some into bankruptcy, according to the court records, as well as interviews with borrowers and lawyers in 19 states.
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