Thursday, 30 December 2010

Making Money With Website


Europe’s had a bumper year for interesting startup ideas. The Next Web’s Hermione Way and I put our heads together to come up with this list of ten small tech companies from across the continent that have excited us in 2010.


Brainient


London-based Brainient makes it easy to add interactive elements to existing web video. A ‘Magic Script’ lets publishers add a few lines of code into a website’s Body HTML, enabling pre-roll ads, overlays or any other type of Brainient layers on any embedded video in the page.


The company launched its developer tools at The Next Web Conference in April this year and announced the first of a fresh wave of commercial partnerships, allowing video site SeeSaw to transplant Hulu’s “Choose your own ads” format to the UK for the first time.


Tastebuds


If music be the food of love, the Tastebuds is on to a good thing. This Last.fm-powered dating site that we profiled earlier this year matches you with others who share your taste in music.


It’s a simple idea that the site carries off incredibly well and as a niche dating idea we love it. Music taste can often say a lot about a person’s outlook on life and if nothing else, it’s an excellent conversation starter. The service may be a little too reliant on Last.fm from a business point of view, but as a concept it’s beautifully realised.


Skimlinks


Affiliate links are a major revenue stream for some online publishers. Taking all the effort out of this type of marketing, Skimlinks gets rid of the long URLs that often put users off clicking links. The fact that the publisher is getting a cut from sales of the product they’re linking to is completely invisible, as a Skimlinks URL looks just like a normal non-affiliate link.


It’s a model that has won Skimlinks major worldwide publishing clients. This year the London-based startup launched Skimkit, a product that makes it easy for writers to add affiliate links to their articles, even suggesting items that might be suitable to link to.


Shutl


As satisfying as it is to conveniently order shopping online from home, the wait to get it delivered can sometimes make a trip to a bricks-and-mortar store seem like a better option. Shutl aims to improve on next-day delivery by offering products to your door as soon as 90 minutes after you place your order.


The service works by aggregating capacity across local courier companies into a single web-service that retailers can use to speed up deliveries. A GPS tracking facility in partnership with Bing Maps allows shoppers to track their deliveries in real-time via the Shutl website. The UK startup is currently trialling its service with certain Argos stores in the London area.


Paper.li


It was hard to ignore Swiss startup Paper.li this year. The “Twitter newspaper” startup saw rapid viral growth thanks to the automated tweets it sent out each time a user’s daily newspaper was published.


This annoyed some Twitter users, who found their reply stream filled with announcements that they featured in their followers’ Paper.li publications each day. Still, the service is still growing at a reported 1000 papers per day, with plans to expand beyond Twitter and Facebook and offer users the chance to make money from their newspapers in 2011.


Nuji


When we covered Nuji‘s launch earlier this month, we described it as “Instagram meets Instapaper” for shopping. This social network sees you sharing things you like, be they items in shops or objects you spot online, as a way of demonstrating your taste. A mobile app lets you scan barcodes while you’re out shopping, making adding items to your profile easy.


As it builds a network of tastemakers, Nuji plans to monetize by offering relevant shopping deals to users based on their interests.


Flattr


This Swedish startup from Pirate Bay founder Peter Sunde offers publishers an “online tipjar” that can easily monetize any Web page.


After adding money to their Flattr account, users click the ‘Flattr’ button on pages that they like around the Web. At the end of the month, the money in their account is divvied up to the publishers of the content the user ‘Flattr-ed’. Thus far the service’s most high profile signup has been Wikileaks, which added the button to its Afghanistan war logs page as a way of accepting donations. The service remains one of the few income sources that hasn’t been closed off to the controversial whistleblowing website in recent weeks.


Moshi Monsters


Moshi Monsters from London’s Mind Candy became an online phenomenon for children this year. Youngsters can adopt a pet monster, and solve puzzles to earn virtual currency that can be spent on items to help kit out their monsters’ world with food, furniture treats and the like.


The virtual world has seen real-world spinoffs galore. A deal with Penguin Books was followed by toys, mobile apps and video games in what is set to be a highly profitable year.


Stupeflix


France’s Stupeflix offers a browser-based online video suite and this year launched a service to automate the creation of videos, for example, in the online retail sector where a video of a pair of trainers created from a bunch of photos might be more appealing to potential customers than static photos.


Stupeflix also offers an API to automate the processing and generation of video content for third parties.


Screach


Screach aims to make all sorts of screens interactive by way of a mobile app and a highly customisable development platform. TV shows could use it to allow real-time interaction from viewers, bars could use it to run quiz events with instant on-phone rewards for winners and it’s already being used to enhance a museum exhibit in the UK.


At present there’s little to try out Screach’s mobile app on, but that should change next year when the UK start-up is set to announce commercial partnerships.







Inflation is running at a reported 5.1% in China, a figure most believe is on the low side. Nonetheless, China has been loath to hike rates out of fear of more "hot money" flowing in. Something had to give, and it did. The markets forced China's hand.

Please consider China Increases Rates to Counter Highest Inflation in Two Years


China raised interest rates for the second time since mid-October to counter the fastest inflation in more than two years and more moves may follow.

The benchmark one-year lending rate will rise by 25 basis points to 5.81 percent and the one-year deposit rate will climb by the same amount to 2.75 percent, effective today, the People’s Bank of China said in a one-sentence statement on its website late yesterday.

Premier Wen Jiabao is seeking to slow gains in property values and consumer prices that are making it harder for families to buy homes and pay for food. Bank lending and a wider-than-forecast November trade surplus have pumped more cash into an economy already awash with money.

China is tightening after a record expansion of credit to counter the effects of the world financial crisis. The broadest measure of money supply, M2, has surged by 55 percent over the past two years and outstanding yuan-denominated loans have climbed 60 percent to 47.4 trillion.

Residence-related costs, including charges for water, electricity and rent, jumped 5.8 percent last month from a year earlier, the most in more than two years, and consumer goods prices rose 5.9 percent, the biggest gain since August 2008, according to statistics bureau data.

Policy makers are concerned that raising interest rates could “encourage hot money inflows,” Paul Cavey, a Hong Kong- based economist at Macquarie Securities Ltd. said. “Raising interest rates has far more implications” than ordering lenders to set aside more of their deposits as reserves, as it may affect the ability of local governments and companies to pay their debts.

State Council researcher Ba Shusong told state television yesterday that the government will step up regulation of capital inflows, without specifying measures that will be taken.

The Ministry of Commerce is stepping up supervision of foreign investment in real estate to crack down on speculation after a 48 percent jump in overseas fund inflows to the industry in the first 11 months of the year, spokesman Yao Jian said on Dec. 15. Policy makers may also allow faster gains in the yuan to help curb inflation from higher prices of imported commodities, according to analysts’ forecasts.


China Overheating

China was number 5 on my list of Ten Economic and Investment Themes for 2011


5. China Overheats, Multiple Rate Hikes Coming

China, everyone's favorite promised land, has a hard landing. China will grow at perhaps 5-6% but that is nowhere near as much as China wants, or the world expects. Tightening in China will crack its property bubble and more importantly pressure commodities. The longer China holds off in tightening, the harder the landing.


Capital Controls Coming

Initially, rate hikes will encourage more "hot money" inflows into China. In hopes of preventing those inflows, China has announced more capital controls. It will be interesting to see precisely what those controls will look like.

Currency Sterilization Needed

One thing China should do is sterilize speculative hot money and balance of trade inflows via domestic government bond issuance, hoping to curb money supply growth.

However, it is not as simple as that, because in a fractional-reserve credit system, a net increase in lending itself increases money supply.

Clearly the Chinese central bank is behind the curve. Will China simply restrict lending? Would it even work?

I do not know about the former, but the latter would eventually force a hard landing if China gets serious enough. Actually, there are so many problems that I think a hard landing is coming regardless, and the longer China dallies, the harder it will be.

In the meantime, these paltry rate hikes by China of .25 points each pale in comparison to increases in reported consumer price increases.

Enormous Property Bubbles Including Vacant Cities

It is not "consumer price inflation" that is the big problem. Asset inflation, especially property speculation is rampant.

In case you missed it please consider The ghost towns of China: Amazing satellite images show cities meant to be home to millions lying deserted

Speculation will continue until China gets serious or until the pool of greater fools buying property at absurd prices dries up.

China’s Army of Graduates Struggles for Jobs

Exacerbating China's myriad of problems, an Army of Graduates Struggles for Jobs


In 1998, when Jiang Zemin, then the president, announced plans to bolster higher education, Chinese universities and colleges produced 830,000 graduates a year. Last May, that number was more than six million and rising.

It is a remarkable achievement, yet for a government fixated on stability such figures are also a cause for concern. The economy, despite its robust growth, does not generate enough good professional jobs to absorb the influx of highly educated young adults. And many of them bear the inflated expectations of their parents, who emptied their bank accounts to buy them the good life that a higher education is presumed to guarantee.

“College essentially provided them with nothing,” said Zhang Ming, a political scientist and vocal critic of China’s education system. “For many young graduates, it’s all about survival. If there was ever an economic crisis, they could be a source of instability.”

In a kind of cruel reversal, China’s old migrant class — uneducated villagers who flocked to factory towns to make goods for export — are now in high demand, with spot labor shortages and tighter government oversight driving up blue-collar wages.

But the supply of those trained in accounting, finance and computer programming now seems limitless, and their value has plunged. Between 2003 and 2009, the average starting salary for migrant laborers grew by nearly 80 percent; during the same period, starting pay for college graduates stayed the same, although their wages actually decreased if inflation is taken into account.

Chinese sociologists have come up with a new term for educated young people who move in search of work like Ms. Liu: the ant tribe. It is a reference to their immense numbers — at least 100,000 in Beijing alone — and to the fact that they often settle into crowded neighborhoods, toiling for wages that would give even low-paid factory workers pause.

“Like ants, they gather in colonies, sometimes underground in basements, and work long and hard,” said Zhou Xiaozheng, a sociology professor at Renmin University in Beijing.


Odds for social unrest will mount if China's growth slows. Yet, because of short-term overheating concerns on top of long-term peak oil issues there is no way China can keep growing at the current pace.

Eight Problems Facing China



  • Hot money inflows

  • Huge property bubble

  • Massive increases in money supply, much of it property speculation and building of unneeded capacity

  • Currency manipulation charges from the US and potential trade wars

  • Unsterilized trade imbalances fuel inflation

  • Slowing Europe

  • Dearth of Jobs for new graduates

  • Potential social unrest


Case For Hard Landing

Risks are enormously skewed to the downside, so much so that the odds China avoids a hard landing are not good. China is far more exposed to a slowdown in Europe than the US and the popping of China's property bubble will extract a huge toll.

Those plowing into commodities, foreign currencies, and equities (especially foreign equities), fail to consider those risks.

Moreover, given that much of China's growth is overheating and malinvestment, it is not even clear the Renminbi is undervalued.

Mike "Mish" Shedlock
http://globaleconomicanalysis.blogspot.com
Click Here To Scroll Thru My Recent Post List


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