Word: credit-card
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...more than 200,000 songs and music videos available to T-Mobile's 60 million customers across Europe. Of course, no record label can afford to rest easy. Yes, selling digital music involves no manufacturing and distribution costs, which should boost margins. But there are other new costs, including credit-card fees and IT equipment. EMI, for example, has invested over $130 million in technology to manage digital sales. And CD sales continue to plummet. Globally, retail sales sank about 8% last year, to just below $31 billion. Illegal downloading has not disappeared. ifpi says 885 million music files...
That's not to say HSBC can't compete and win. To get a head start in the virtually untapped Chinese credit-card industry, HSBC in July formed a joint venture with its partner Bank of Communications. Although the operation is 100% owned by the Chinese bank, the cards will be co-branded with HSBC, which plans to acquire a stake when regulations allow. "We always try to be the first through the door," says Yorke, HSBC's China chief. In India HSBC employs mobile marketing teams that push its services at stalls set up in shopping malls, office buildings...
...them have Alzheimer's. Republicans realize that after Katrina, they cannot risk another crisis in which the government appears to be abandoning its most vulnerable citizens. Some are already making that connection. Aniela Toscano, 56, a New Yorker living in a shelter, has run up $885 in credit-card debt thanks to a brand-new bill for drugs and is worried that she can no longer afford her seizure medication. "What happened in New Orleans?" she says. "They let those people...
...North Side kids, from the more privileged side of the Santa Monica Boulevard line that separated the superrich from the merely wealthy. Abramoff's father Frank had transplanted the family from Atlantic City, N.J., when he became a top executive at the then exclusive Diners Club credit-card company and a protégé of one of Ronald Reagan's closest friends, Diners Club chairman Alfred Bloomingdale...
...were a little, say, heavy-handed with the plastic this holiday season, you may find yourself regretting that behavior when the bills roll in. Why? Banks and credit-card companies must follow new federal guidelines from the Office of the Comptroller of the Currency that require minimum payments to cover interest and fees plus at least 1% of the principal. For the 7% of consumers who pay only the minimum, that will mean writing fatter checks. But what if you're sick of the whole plastic ride and really want to put a serious dent in your debt? Here...