Sunday, 26 June 2011

'Someone will make money ... it might as well be me'

Last week party pill apologist Matt Bowden was revealed as a key player in the synthetic cannabis trade. But all he really wants to do is heal the world with a psychedelic rock opera. By Adam Dudding. 
Matt Bowden must be a rockstar – it says so on his business card. He is also, by his own account, a dandy, a visionary and, erm, an interdimensional traveller. Others might just say he's an unrepentant drug dealer.
It's a little confusing, but stay with us.
Bowden was the former methamphetamine addict who introduced the legal party drug BZP to New Zealand in the early Noughties, and then morphed into a semi-respectable and highly articulate lobbyist for the party pill industry as it tried to stave off the BZP ban that finally arrived in early 2008.
But last week the Star-Times revealed that Bowden was back in the legal drug trade, involved in the production of the synthetic cannabis products that are currently freaking out parents and enlivening daily newspapers.
So on Wednesday, over lunch at a cafe on Auckland's North Shore, Bowden was once again defending the right of New Zealanders to get off their chops using his products. Well, sort of.
Because just like in his BZP-boosting days, Bowden takes a confusing blend of stances, mixing stern warnings about the downside of drugs and calls for tighter regulations, with a blithe assertion that it's fine for him to manufacture legal highs, because "someone will be making money out of it, so it might as well be me, and I'm doing something useful with that money".
When Bowden was the face of party pills, he wanted to appear credible, so he took reputation management advice from a PR company. He cut his hair, wore dark suits, kept his nose clean.
Today, the hair is long and shaggy, with highlights. He's wearing pointy black boots, skinny trou on skinny legs, a velvet-and-gold-thread jacket and lots of eyeliner. When the waitress asks for his order he says, "I'm ready to rock! I'm ready to eat!"
Because, these days, Bowden is actually an artist. Sure, the money in his bank account comes from manufacturing mind-altering substances, but he'd also like to introduce the world to his glam-rock, guitar-wielding alter ego, Starboy.
Starboy is, he explains, "an interdimensional traveller... in time and space responding to the cries of this troubled earth... It's about raising consciousness and hope and freedom. About love. What the world needs".
The world will, no doubt, make up its own mind about what it needs, but a fortnight ago, several hundred guests at Bowden's 40th birthday party on the North Shore – estimated to cost hundreds of thousands of dollars – saw Starboy's first big outing.
It was, says Bowden "the birth of a new persona", a return to the long-dormant ambitions that saw him play in metal bands in his youth.
It was, says one guest who'd rather remain nameless, "like watching a mid-life crisis on stage". There were women hanging from the ceiling on trapezes, others in bunny suits, loads of booze, and Bowden up on stage with his band amid lasers and costumed dancers, wearing Kiss-style makeup, big boots and long shiny coat, and evidently "enjoying himself much more than anyone else was".
TIME WILL tell whether Bowden the rockstar will make a comparable impact to Bowden the party pill guy. In the meantime, it has become apparent Bowden is also one of the synthetic cannabis guys.
So what does he have to say about recent concerns – that dairies are awash with products such as Kronic (media shorthand for the 50-odd similar products available), that teens are getting fried, and that parents are furious about its ready availability? (And yes, the Star-Times, like all other media outlets, is queasily aware that each new story about the latest drug "menace" also serves as free marketing for it.)
This is where talking with Bowden becomes perplexing. Actually, he says, Kronic is "not my product", but he concedes he provides some components, and was also involved in bringing the first synthetic cannabinoids to New Zealand a few years ago.
But then he says: "I don't think people should smoke these products. Smoking increases the chance of cancer."
And this: "It shouldn't be marketed to 16-year-olds at all. If I had my way, the person that has the product should have a qualification in alcohol and drug counselling, and if there's a child, you're not going to serve them."
And he's delighted, he says, that Associate Health Minister Peter Dunne will soon put through a law amendment to restrict the place of sale, signage and age of purchase.
That's all very nice. But for goodness' sake, the fact remains that for now this stuff is being marketed to and smoked by 16-year-olds. And Bowden is making it.
He is unabashed.
"The business is there, so I may as well get paid for the work I'm doing, things behind the scenes and keeping things on track. Especially if I can use that resource to fund research that's desperately needed in the area of drug and alcohol treatments – and to further the arts as well."
Then he talks, eloquently and at length and with numerous references to research and legislation and the rest of it, about how an enlightened, tightly regulated legislative framework like the one New Zealand is moving towards, where novel drugs will be properly tested and tightly regulated rather than banned, is proof that, as a small developed nation, we're leading the world by example.
It is indeed the case, says ESR forensic general manager and drug toxicology expert Keith Bedford, that some of Bowden's views "are also the views of people who are involved in drug policy".
But for all that, says Bedford, "I see Matt Bowden as more of an entrepreneur than a drug control reformer."
WHATEVER YOU call him, Bowden's journey to what he is now has been unusual. He says he was an introvert at school, but all that changed after a "spiritual awakening" at university, when he hooked up with a Christian group called Maranatha. He became really confident and discovered he had a "gift": "Just by looking at somebody I could see things about their past, present and future."
After quitting university he was working in magazine advertising sales. He tried a legal "herbal high", saw an opportunity and started selling them. He went to Sydney to make legal party pills there, discovered the business wasn't so legal after all and came back, but not before picking up an addiction to methamphetamine and mixing with shady characters.
Back home he kept taking drugs, met his future wife Kristi at an Auckland stripclub, had a cousin die while on Ecstasy and had another friend commit suicide with a samurai sword while high on methamphetamine.
Bowden claims that his development of the market for party pills containing BZP – formerly used in cattle worming pills – was always about giving people safe alternatives.
"I thought the first problem here is that the drugs are too dangerous – they kill people. The second problem is that the laws are all wrong."
He'd been making a fair bit of money, but in the mid-2000s took a principled stand, pulling his products from the market, "so it would be clear I wasn't speaking just from the profit motive", instead taking a middling salary from other pill-makers in return for lobbying the government on drug law reform, under the banner of the Social Tonics Association of New Zealand.
While the likes of his friend Logan Miller (who killed himself in 2007) was making up to $20 million a year from party pills and living it up, Bowden had short hair, dark suits, the phone numbers of a few journalists, and a mortgage.
It's a compelling story – and he certainly did the lobbying. But as lunch wears on, he adds more detail, suggesting that rather than simply relinquish that business, he lost control of it. "I didn't keep a really good handle on my business affairs, because I was probably wasted a lot of the time."
Whichever way you look at it, Bowden "sacrificed being a player for the ability to pull everybody together, to be a spokesman and to be taken seriously".
The "taken seriously" bit didn't entirely work – people would corner him in the supermarket to talk about "drugs and kids and the millions of dollars I was supposed to have made". But, "I felt better about myself."
Not so much better that he was ready to take a vow of poverty, though. By early 2006, Bowden was making good money again, selling an ecstasy substitute called Ease, until it was noticed that one of its components wasn't actually legal and he swiftly surrendered his stock to police.
Bowden reckons he got so short of cash that "my car was repossessed and I couldn't make my mortgage payments", but by 2008 there were new opportunities on the horizon: out of Europe were coming new drugs mimicking marijuana: synthetic cannabinoids.
He got involved importing, then making it himself. He doesn't think 16-year-olds should be smoking it, but there you go, and his company Stargate is again a "multimillion-dollar industry".
"I don't think it's going to make any difference whatsoever to consumers if my brand's there or not. If I'm not there, somebody else will be."
The mortgage is now paid off. He can throw big parties and become a self-proclaimed rockstar with a big stage show that may, or may not, travel the world like Cirque du Soleil. He is still passionate about drug reform. He says he recently donated $30,000 to an outfit in America called MAPS, for its research into the experimental anti-addiction drug Ibogaine.
HOWEVER CYNICAL it might seem, and however easy it is to poke holes in the notion of the altruistic drug dealer, I suspect Bowden buys his own version of himself. He simply doesn't see that his credibility in the area of drug law reform is fatally compromised by his choice of income. He's a smart, personable guy (who's actually pretty good at prog-rock guitar solos, if you like that sort of thing). Even the new age rockstar waffle isn't much worse than you'll get from any number of long-haired metal-heads.
He's also not so daft he can't see when he's making the wrong impression. After the Law Commission published a report on the Misuse of Drugs Act, Bowden put out a press release congratulating the commission.
He drones on sensibly about a "big step forward in terms of evidence-based drug policy", but then notes that the issue "is one Mr Bowden has explored in his first rock video", and gives a weblink to a riff-heavy piece of pop-metal. Will it help his law-reform efforts?
"It was a bad call," agrees Bowden. "I banged that out one day and thought, well, that didn't work."
There's a solution though: "I need to transfer across into my new persona and bring the activism into it. I can do both as an artist. I can talk about social justice issues. Bono does that well, doesn't he?"
Source http://www.stuff.co.nz/
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Banks, brick and mortar at home in the digital era

In an age when more and more customers rely on mobile phones and personal computers to bank remotely, Connecticut’s banks, thrifts and credit unions are casting fresh eyes on their brick-and-mortar branches.
Bankers and landlords who welcome the opportunity to build anything these days say they covet modern satellite offices that give customers all the conveniences they want but in a footprint as small and cheap as possible to operate. The branches’ visibility also serve as “billboards’’ in some lenders’ quest to build market share.

Middletown’s Liberty Bank has a new branch under construction at 1300 Main St. in Newington, amid a cluster of branches run by four rivals. Slightly smaller than branches Liberty opened a few years ago, this one will bristle with technology to keep it the branch of the future, an official says.
In West Hartford’s Elmwood section, American Eagle Federal Credit Union of East Hartford has a branch going up on a former restaurant site at the corner of South Main Street and New Britain Avenue to accommodate its growing volume of existing and potential customers. The site isn’t far from Farmington Bank’s recently-opened branch at the opposite end of the Elmwood neighborhood.
Just last week, Naugatuck Savings Bank opened a new branch office at 2989 Whitney Ave. in Hamden. Perhaps coincidentally, Vernon’s Rockville Bank filed last week for a limited-services branch in an office building 1 ½ miles down the road, at 2319 Whitney Ave.
By contrast, Waterbury regional lender Webster Bank announced plans to close five Connecticut branches in coming weeks to fine-tune its 132-branch statewide network to end market overlap. It operates 176 branches in its Northeast region territory.

The closings are on the heels of Webster’s broad effort last year to expand hours at most of its branches to accommodate its busy customer base.
“Believe me, branches are not dead,’’ said Ann Slattery, Webster’s executive vice president for retail banking.
According to the state Department of Banking, Connecticut is home to about 1,500 branches run by lenders of all sizes — community, regional and national banks, credit unions, savings banks, even foreign-based lenders.
So far this year, state regulators have authorized the opening of five branches. Four were from applications made filed in 2010 amid dozens of branch requests and at least a half-dozen approvals, a banking department spokeswoman said.
State guidelines for approving branch offices aren’t complex. Unless the state has concerns about the applicant’s capital strength or compliance with banking regulations, most requests appear to go through.
The state also seems less concerned with the concentration of branches in a neighborhood.
Take Liberty’s planned Newington branch, for instance. The building going up on Main Street is just two doors away from a Bank of America branch. Both are within shouting distance of three other branches — TD Bank, First Niagara (formerly NewAlliance Bank) and Webster.
Deb Bochain, who runs Liberty’s retail banking operation as executive vice president, says her bank was more concerned with market research showing its customers needed a branch closer to where they live or work.
Branches are only one facet, Bochain says, of today’s “multi-channel’’ environment in which customers use mobile devices, computers and ATMs to do their banking.
“The more complex the transaction, customers still feel the need for face-to-face banking,’’ she said.
Liberty also kept a close eye on holding the branch’s operating costs as low as possible. For starters, Liberty is leasing the building, which at 2,400 square feet is smaller than the typical 3,000-square — foot locations it was opening as recently as five years ago, Bochain said.
Smaller branches also need fewer people. The Newington location will have five full-time-equivalent employees, including a manager, instead of the usual seven, she said. Installation of “cash recyclers’’ — machines that count currency — speeds customer service and frees tellers for more vital tasks.
To keep the lid on staffing, Liberty will use technology to boost future service levels without the extra labor burden. The new branch is being wired to someday accommodate video conferencing between a Liberty depositor and, say, one of its mortgage or investment advisers stationed at another location, Bochain said.
Liberty, like most financial institutions, uses its branches like sponges to soak up area deposits through checking and savings accounts and certificates of deposit that they transform into loans.
It is the buildup of deposit market share that banks, savings and loans and credit union rely on to generate much of their profits. They make money on the difference, or “spread,’’ between the interest they pay depositors and what they charge borrowers.
Lately, however, it has been small- to mid-size community banks like Liberty, American Eagle, Farmington Bank and Naugatuck Savings that have been busy expanding their branch networks.
Farmington Bank in the past 14 months has opened four branches in Hartford County, including the Newington Road, West Hartford location, and in Berlin and Glastonbury. The bank, according to local industry sources, also seeks a Newington Center location.
Chairman and CEO John Patrick Jr. declined comment on his bank’s potential Newington plans, except to say Farmington Bank is serious about building its retail and commercial market share.
All this branch-building has put some locations and towns at a premium, observers say.
Michael Gallon, principal in Reno Properties Group, the landlord building Liberty’s Newington location, says the building — which includes drive-thru teller lanes and one for the automated teller machine — will open later this summer.
In Farmington, Reno plans to redevelop perhaps later this year an existing retail-commercial site at the Route 4/Route 10 junction to make room for a future bank tenant, Gallon said.
In West Hartford, American Eagle Federal considered sites in the town center and Bishops Corner, before settling on the former site of Szechuan Tokyo Restaurant, on Elmwood’s western fringe.
The site’s accessibility from two busy thoroughfares made the difference, said Dean Marchessault, chief operating officer for Connecticut’s No. 2 credit union with $1.4 billion in assets.
“It’s a strong billboard location for us,’’ Marchessault said. “We will get West Hartford, Newington and I-84 traffic.’’
But American Eagle, founded by Pratt & Whitney engineers, is looking well into the future with its 11th branch accessible to the public. Its smaller, 2,500-square-foot size, too, will require fewer staff and will be wired for interactive video.
“We’re going to be positioned,’’ he said, “in the market so when the economy picks up… we’ll be very well positioned for the long haul,’’ Marchessault said.
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Focus for golf tournament remains on raising money despite Maris anniversary.

 By: Eric Peterson, Forum Communications Co.
FARGO — This baseball season marks the 50th anniversary of Fargo’s Roger Maris hitting 61 home runs in 1961 to break Babe Ruth’s single-season Major League Baseball home run record.
FARGO — This baseball season marks the 50th anniversary of Fargo’s Roger Maris hitting 61 home runs in 1961 to break Babe Ruth’s single-season Major League Baseball home run record.
While organizers of the Maris Celebrity Benefit Golf Tournament are aware of the anniversary, the 28th annual edition of the event won’t look much different than the previous 27.
“We’re not doing anything real outlandish,” said event chairperson Denise Sargent. “We do celebrate that fact in the sense that it’s been 50 years, but we also understand that he wanted to make money for his charities, so we take that to heart.”
The Maris festivities start Sunday with the first flight of golfers at Fargo’s Rose Creek Golf Course along with the silent and live auction and celebrity banquet at the Holiday Inn. The tournament concludes Monday with the final two flights of golfers at Rose Creek.
“Rather than Roger Maris’ reputation and image diminishing, which really happens to a lot of older players, we find that it’s growing and that’s unique, and that is a cool part about this whole thing,” said Larry Scott, who is on the Maris board of directors and has been involved with the event for 25 years.
While not officially part of the Maris tournament, tonight’s Fargo-Moorhead RedHawks against Sioux City at Newman Outdoor Field will serve as a kickoff to the weekend.
Sargent said all six of Maris’ kids along with some of their spouses and kids were expected to attend Saturday night’s game at Newman. The RedHawks are handing out commemorative 5-by-7 Roger Maris baseball cards. Former Minnesota Twins pitcher Jim “Mudcat” Grant and Kevin Maris are slated to throw out first pitches. RedHawks general manager Josh Buchholz said Grant is expected to lead fans in the singing of the seventh-inning stretch.
“Just having the opportunity to have the Maris family there and honor Roger’s record and the start of his career with the (F-M) Twins, it’s great to be a part of that,” Buchholz said. “If we can play a small part helping the younger generation to get to know more about him, that’s a good thing.”
In its first 27 years, the Maris tournament has given more than $1.5 million to the Hospice of the Red River Valley, Fargo Shanley High School and Sanford Health’s Roger Maris Cancer Center.
Sargent said that ESPN contacted the tournament inquiring about having some of its personalities come to the event, but was unable to make something work with schedules.
“The fact that they are reaching out to us says a lot about Roger and what he did and the man he was,” Sargent said. “We all feel truly in our hearts that Roger is still the single-season home run king. He is our hometown hero. He was our hero not only as a baseball player, but as a man.”
Peterson is a sports reporter for
The Forum of Fargo-Moorhead, which is
owned by Forum Communications Co.
Source thedickinsonpress
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Elbert: In midst of mortgage mess, what's a parent to say?

Most parents at some point have a talk with teenage children that begins: "Dad (or Mom), I crashed the car." Today, many are also having a conversation with adult children that begins: "Mom (or Dad), my house is underwater," and they're not talking about a flood.In financial jargon, the phrase "underwater" or "upside down on a mortgage" means that the mortgage on a house is more than the value of the house.
Recent data show that 28 percent of homeowners nationally and 9 percent in Iowa are upside down on their mortgages.
For a 30-something homeowner, it's a sinking feeling to realize that the $150,000 house that was purchased four years ago with a $140,000 mortgage is now worth only $120,000, while the amount still owed on the mortgage is $135,000.
It's causing young homeowners to seek advice from people they trust, including their parents.
But how does a parent respond?
Is it better to tell them to tough it out and keep paying? Or should you tell them to give up, turn the keys over to the bank and move on with their lives, albeit with a big black mark on their credit report?
Giving advice is made even more difficult by the lousy job market and the fact that people who want to sell their homes to move to new jobs often can't find buyers willing to pay enough to cover the original loan.
It's gotten to the point, said Tom Coates of Consumer Credit of Des Moines, where recent statistics show "people are keeping current on their credit cards and letting their home mortgages go. They figure, 'I'm underwater. It will take them a year to get me out of here.' "
That's not something that Coates recommends.
But he also said it's not good advice to tell someone to keep paying a mortgage that is underwater if the payment is 35 percent to 37 percent of the person's take-home pay. "If they are upwards of 40 percent or even 50 percent, it's unlikely that they can continue for long, unless they can find some way to expand income."

Parents have new role in mortgage crisis

Once children are grown, the parents' role changes, said Mary Riche, a social worker who specializes in family situations.
"When you have young adult children, the transition from being the protective parent who can explain rules and consequences shifts into an adult-to-adult role," she said.
In the new role, parents are more of an adviser, because the lenders are the ones with the rules and consequences, Riche said.
"If you want to have a respectful conversation with your young adult children, then offer them understanding empathy instead of comments like, 'Well, what did you think would happen?' " she said.
A good way to start the conversation is to provide background that explains how the nation's home mortgage mess was created, said Tahira Hira, a personal finance expert at Iowa State University.
"What happened to housing is a very sad thing," she said. "A lot of people did things personally and financially that were wrong."On the business side, she said, brokers provided mortgages to homeowners who they knew could not afford them, and those loans were fraudulently packaged and sold to investors who did not take the time to understand what they were buying.But consumers have responsibility, too, Hira said.
Many were greedy and thought that they, too, were going to make money in what seemed like an ever-expanding real estate market. Or, they took money out of their homes in the form of home equity loans to spend elsewhere.
"They didn't say, 'We know we can't afford this house,' or 'We know we can't afford the down payment,' or 'We know there are dangers to this whole thing,' because ultimately there is nothing free in this world," Hira said.
"Responsible behavior was missing on both sides," she said. "If we walk away now, we are continuing to play that game," she added. "Buying a house is not like buying a pair of shoes or even a car."

Taking long view helps; so does talking

It helps when homeowners look at a mortgage as another long-term investment, said Doug Borkowski, who counsels students and faculty at ISU about financial issues.
"We know that we take some risk when we invest in a 401(k) or IRA," he said, and that over time those investments will go up and down, even though the presumption is that they will gain value over time.
The problem with homeownership, Borkowski said, was that the housing bubble that burst in 2007-08 led homeowners to have unrealistic expectations, just like the dot-com bubble in the stock market did more than a decade ago.
Homeowners need to realize that the downturn in housing "is going to work its way through and then we will have the market rising again," he said.
"Over the long haul the housing market is probably going to average gains of 3 to 4 percent a year," Borkowski said. The current downturn is just offsetting the double-digit gains in the years leading up to 2008.
For young people who can afford their mortgage payments and don't need to move, the answer to the question of what to do is simple, Borkowski and Hira agreed: Keep paying the mortgage.
Things will improve. Stay put and give it time, they said.
But not everyone is in that situation. Two increasingly common scenarios are people who can no longer afford a mortgage because they lost a job and people who need to move to a new job but can't sell their old house.
Even people in a worst-case scenario should never walk away without talking first with their mortgage lender, Hira said. "You have to go and say, 'This is where I am and I need a solution,' " she said.
Having that conversation is important because by now most mortgage lenders are attuned to the problems and offer a variety of options that include lowering the monthly payment by extending payments into the future and, in some cases, lowering the amount due.
Keep in mind, Hira said, that it is to the bank's advantage to keep you paying something.
If the bank won't help, said Borkowski, contact the Iowa attorney general's mortgage hot line at (877) 622-4866, or by going online to www.IowaMortgageHelp.com.
As it turns out, the same skills that got parents through the teenage years can serve them well now: Stay focused and don't panic.
Source http://www.desmoinesregister.com/
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Spam texts: the money trail to the heart of 'no win, no fee'

By Jason Lewis, Investigations Edito
The telltale bleep of a mobile phone delivered yet another spam text.
“You have still not claimed the compensation you are due for the accident you had. To claim then pls reply CLAIM. To opt out text STOP.”
It was a message that has become routine to millions of mobile phone users.
But our simple response led The Sunday Telegraph investigation to India and to the heart of Britain’s burgeoning “no win no fee” compensation culture.
At each turn we uncovered money changing hands and laws designed to protect people from irritating interferences in their lives being routinely flouted.
We followed the trail of two similarly worded texts sent from British mobile numbers.
The people behind these spam messages — many of them based as far afield as India and Croatia — use unregistered SIM cards that are discarded after a few hours.
They can pour thousands of messages from the SIMs through computer software that can be operated from anywhere in the world. They cost 2p per message. By responding to each message our phone numbers were passed on to companies in Britain known as “lead generators”.
Experts believe these companies pay £5 to the text senders for each response — the first stage of the money trail.
Our first message resulted in a call from “Andy” who said he worked for “Affiliate Data Finance”, a firm that he said was based in Hampshire but which subsequently proved untraceable. Asked how he had obtained our number, he said: “We go through the files... We just investigate your accident and if they are liable for that and whether you are eligible.
“Basically it is the last chance saloon.”
We presented a false, but routine, compensation claim — a trip on a step outside work resulting in a broken ankle — which meant our call was forwarded to a firm called EM-ME.
EM-ME, registered in Petersfield, Hants, is a “claims farmer” which sends compensation cases to legal firms for them to pursue. It is run by Andy Law, a former advertising executive who describes it as an “ethical” claims management company. The woman in Mr Law’s call centre asked our investigator: “Can I just ask the question of how you were contacted before speaking to me? Did you ever receive a text or a telephone call saying you may be entitled to claim?”
“Yes. Why are you asking that?” replied our investigator.
“Because as a company we don’t actually do that. I just wanted to make that clear. Did you say you had been cold-called?” she said, adding: “Would you say you were cold called?” “I got a text, yes,” replied The Sunday Telegraph.
Undeterred, she said: “Did you ever opt into a survey or a website? Like a lifestyle survey… So you’re happy you’ve made an inquiry and you’ve not got any unexpected telephone calls?”
“Emm, I suppose so, yes,” our investigator replied.
She then said she would pass on our details to “our solicitors”, who pay EM-ME between £300 and £350 for each case.
This weekend Mr Law said that these questions were evidence of his firm’s “three check system” which, he said, was “designed to filter out leads generated by spam texts and cold calls”. Although our investigator was clear that he had received a “spam” text, Mr Law said: “It is in this part of the qualification process that we aim to weed out fraudsters and reject anyone who feels unhappy about the way they were contacted. At no stage does [your investigator] offer dissatisfaction, so we were obliged to pass him through to a legal representative.”
Asked about any due diligence test on firms Mr Law purchased leads from, he said: “I know I am playing with fire. We have only had one other incident like this.” Mr Law said he had so far failed to identify the firm that supplied the lead relating to The Sunday Telegraph case. He added that he did not know who Affiliate Data Finance were.
Meanwhile, the second text we responded to resulted in a call from a far larger business: Accident Advice Helpline.
The £12 million-a-year business runs television advertisements featuring Esther Rantzen, while its joint managing director, Darren Werth, is chairman of the Claims Standards Council, which is campaigning to stop spam text messages. In AAH’s adverts, Ms Rantzen says: “All of my working life I’ve campaigned for people to have access to justice. If you have been injured and someone else is to blame the law says you are entitled to compensation. That’s why I want you to know about the Accident Advice Helpline.” A member of the firm’s call centre told us they had been passed our details by “a company called Tetrus; they do the text marketing. I am calling from a separate company… You know the Accident Advice Helpline from the telly with Esther Rantzen?” Miss Rantzen, who was unavailable for comment, is not accused of wrongdoing.
A further call followed, with another Accident Advice Helpline worker checking details of The Sunday Telegraph’s fictitious personal injury claim and promising to forward it to a solicitor within 14 days.
A spokesman for the firm said: “Our client [Accident Advice Helpline] is extremely conscious of its obligations and responsibilities in relation to marketing activities, particularly in relation to SMS marketing. It would be unlawful for our client, or any other company, to cold call… or make an unsolicited approach” unless someone “opted in” to receiving communications from third parties on some previous date.” To this end the firm carried out “due diligence” and obtained “written confirmation” that the sources of information were “compliant”, the spokesman said. He named “RT Analytics”, a “well established company in Newcastle upon Tyne”, as the source of the lead generated by the text message sent to this paper.
The spokesman added: “However, the difficulty faced by companies in this field… is that whilst due diligence is possible on the companies from whom information is purchased, those companies will in turn purchase information from third parties.”
RT Analytics is run by Chris Imrie, a Newcastle businessman, and is registered at his home in Gosforth.
Mr Imrie was unavailable for comment last night. His profile on the LinkedIn website says he is a “life protection specialist” involved in “lead generation, database building, customer acquisition planning”.
Our investigation into the first text message then made it to the third stage in the money trail, when our call was put through by EM-ME to a solicitors’ firm in Liverpool, Silverbeck Rymer. It represents the tarnished end of the compensation culture. James and Charles Rymer, the senior partners, were disciplined by the Solicitors Regulation Authority for using £117,000 of compensation intended for sick miners to pay referral fees. The SRA found them guilty of three breaches of the Solicitors Code of Practice, including failing to act in the best interests of clients.
The firm wrote to our investigator, saying: “Silverbeck Rymer are specialists in this field, and will do all we can to ensure that your claim is progressed quickly and with the minimum amount of stress.”
If the firm had pursued our “claim” it would have been entitled to a large success fee for gaining our compensation, with the costs recovered from the company it sued on our behalf. It would also have asked us to take out an insurance policy that would have paid its costs had it lost, with a £500 commission from the insurance firm for getting us to sign up.
Yesterday, Rymer’s managing director, Robert Fielding, said the firm had “a clear written policy” that it did not accept claims obtained by cold calling and would investigate any apparent breaches of the policy. He said he had no comment on the previous disciplinary proceedings.
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4 Reasons Your Boss Doesn’t Care About SEO


A lot of our readers fight the good SEO fight in-house. They’re working their butt off, dodging politics and doing everything in their power to make a case for why the company needs to invest more (or at all) in search engine optimization. But despite their efforts, the boss still doesn’t seem to show an interest in SEO.
Why? And what do you do?
How do you make the case for SEO in terms your boss can understand? Below are four reasons your boss doesn’t care about SEO and how you can turn it around.
You haven’t turned the data into a story
As humans, even smart humans, we’re not always good with interpreting data, which is troubling since most SEOs spent their day swimming in it. The trick is to take the raw data you receive from your analytics and transform it into something that is easier to understand. Typically, this involves creating a story around. Note I said a story, not a Power Point.
Use the analytics data that tells you where your users are coming from, which links are getting clicked, where you’re getting unexpected traffic, where people are abandoning and build a story around it by comparing and contrasting the numbers. Don’t show your boss the raw data; show her what the numbers mean. What does that number mean to the business in terms of sales, customer retention, and how you’re SO much better than your competition? That’s what she wants to see. She wants to see the view, not the trail you took to get there.
Rankings are up, but traffic is down
If you’re the boss, I can see how it sounds counter-intuitive. You probably can too. I mean, if you’re paying someone to focus on SEO and they say rankings are up – then why isn’t traffic up? Well, probably because you’ve finally cut out some of that meaningless, non-converting vanity traffic. The traffic you acquired by accidentally ranking for things your business really didn’t want to rank for. Now, instead of getting a lot of lookie-loos you’re getting people with real wallets. Real visitors are up, pretend visitors are down.
Again, go back to that data and compare and contrast the number of visitors you’re receiving with the number (and price points) of conversions you’re seeing. If you’re attracting more of the right audience, your boss should like what the numbers say. It’s all about putting things in the language your boss will understand. More often than not that language is money. Or vanity.
Your boss isn’t educated on SEO’s other benefits
When you’re working for a small in-house team, you’re often responsible for a lot more than “just” the company SEO. You’re wearing all the hats – you’re doing conversion optimization, you’re creating the Facebook page, the landing pages, you’re tweeting, etc – you’re building the brand as a whole. But your boss doesn’t always see that. He’s looking at conversions and while they’re going up, maybe they’re not going up to the degree that he’d expect them to. He’s not sure you’re worth the money he’s paying you.
Maybe it’s time to create a clearer picture of everything else you’re doing. While increased conversions is the SEO benefit all bosses long for, show him everything else you’re providing for the company. Things like:
  • Increased visibility not only in Web search, but in Image Search, Video Search, etc
  • Increased brand authority and perceived value
  • Lower cost of customer acquisition
  • Better brand sentiment
  • Larger percentage of the available market
  • Greater voice in social media & throughout the industry
  • More engaged customer base
All of these elements contribute to the overall health of the brand and will increase sales down the road, if not immediately.
Your boss thinks you’re a warlock
The reason my father tells everyone that I’m a secretary at Google with a slight tone of disgust in his voice is because he doesn’t understand what it is, exactly, that I do. And because he doesn’t understand it, he doesn’t necessarily appreciate it or see its true value. Depending on the state and size of your organization, your boss and my father may have a lot in common (I’m sorry). Your boss doesn’t need to know the dirty details of what you do all day, but he should understand the basic principles. Maybe that means having a sit down with him and explaining to him the rationale for what you’re doing or maybe it means getting better at how you present the information to him. But if your boss doesn’t understand what you’re doing and what search engine optimization really entails, then he’s likely to not really care. And that’s a problem that needs to be fixed.
What’s the climate like within your organization? Is everyone onboard with SEO or do you find yourself continually having to justify what it is you do and why it’s so darn important to the business’ bottom line?
Source http://outspokenmedia.com/blog/ 
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Care home closure plans slammed by union bosses

UNION bosses have criticised attempts to give older people more choice for their care, claiming it will have the opposite effect.
Lincolnshire County Council revealed further details yesterday of proposals to shut five care homes by September and a further three at an unknown date after March next year.
The authority says it hopes to save £3.3 million a year by closing the eight buildings, while also offering individuals more flexibility in deciding how they are cared for.
A final decision will be made by the Conservative executive on Tuesday, July 5.
Redundancy consultation letters have already been sent to an estimated 300 staff members, who are already participating in industrial action.
Government plans to provide people with budgets to spend on services, rather than giving the cash to local authorities, have prompted the changes.
But concerns have been expressed that existing day care centres and services will struggle as more private companies compete for older people's cash.
Park View in Lincoln, Boston's Ingelow Manor, Crowtree House in Louth, The Cedars in Gainsborough, and Spalding's Halmer Grange are facing closure in September.
Linelands in Nettleham, Bonner House in Sleaford, and Harrison House in Grantham, have been spared the axe in the short-term.
Lincolnshire Unison branch secretary, John Sharman, said: "In relation to the three homes staying open, we were told three weeks ago that they were going to close possibly in December, maybe by March, and originally it was said they could be kept open two to three years.
"But the new proposal says it could be any time after March 31. Talk about putting people in limbo.
"People who use these homes are in a state of anxiety and uncertainty.
"It think it's disgraceful the way these people are being treated – both our members who work there and the people who use the service."
The county council says it is making the changes as it believes the independent sector can fill the gap and provide older people with what they need.
Officials added it would like to see staff who lose their jobs opting to make use of their skills and start their own businesses.
But Mr Sharman said: "Here is a document that is all about giving service users choice, but what it's done is taking choice away.
"The council had two consultation exercises over the last year and all the research they did came up with the same answer – they wanted to retain the choice of using the existing homes."
Peter Duxbury, director of adult social care for the council, said: "It's not about the closure of eight homes but more importantly how we provide services to roughly 210 people every week who receive respite or day care."
Mr Duxbury said greater choice in spending could allow individuals to select the best options to suit their needs, such as enjoying a holiday while recovering.
He added advice on how personal budgets work will be offered by the authority.
Mr Duxbury said: "It's about developing a variety of providers and more choice as every individual has slightly different needs.
"It's about us enforcing and shaping the market. We would be keen to support services in an area that, left to the market, will not develop."
Tory Councillor Ron Oxby said people had tried to use "scaremongering tactics" but said he was hoping for a nice transition to the new system.
He said: "One of the biggest things out there is the fear of what is happening."
Independent Councillor Marianne Overton, and opposition leader, said the campaign to save the homes had partially worked.
But she said she was worried about whether personal budgets would provide people with enough money.
Source thisislincolnshire
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