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WhatsApp CEO: We're Bigger Than Twitter
As CEO Jan Koum said onstage at D: Dive Into Mobile on Tuesday, WhatsApp is now bigger than Twitter, which officially claims 200 million monthly active users. The company daily processes eight billion inbound messages and 12 billion outbound.
This transcript has been automatically generated and may not be 100% accurate.
... the ... what ... so please ... so really looking forward to this interview ... extremely extremely popular at and very very quiet company ... I'm simply love them warmly to the E on to ... so what ... I was like that ... well for Saul thanks for having us here in York and ... but when a certain ... way ... so far ... what's up is though ... is a reasonable to think that it's a way for people to stay connected to their friends and to their family and of ... it's it's part of the ball and Sparta what people do everyday when they wake up Teo the proponents are wanna read a message or send a message from him to go to bed to ... read the message and send the message ... and of ... that slope more we we get a low scores of people use what's up with your ... oh people stand up lists of certain financial years looks up to get to fight crime and to his criminal so we get reports of people in the know it ... 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Balter puts a new integrated into scenario ... to ... become a member soon or ever but the use of it ... the problem was the message in the ... it's ... it's an altered art is wonderful ... and our devices phones will ... the way we can indeed it is humans will ... over the last twenty years ... and ... you're able to build on some of its new smartphones are coming out today much richer experience where people can ... extend into media send videos of her grandkids a trade group shouts out to some it is the conductor quiet and ... um we were able to do it because the last five ... six years the immobile of the world so much ... so how big is what's that ... well well we will look at what was uppermost with numbers but we where bidders on Twitter today ... as to ... whether we ... talk about them here that I think they laugh that ... began at two hundred million active users ... write for mostly it's a too big of a sea of more than two hundred million active users ... monthly of ... how many ... what is ... wanted over ballot put in relative terms of his bag your bigger than sweater but not ... yes ... of ... but when people published on sweater everyone can read a time when people break WhatsApp its messaging is treat others as unfair comparison ... of low another Tomoka message ... people want to reduce competition ... rub is that if the dose for a private edition tool we ... were not ... with the public brawl public the ... public of broadcast what you do winter but in the world ... aam but it doesn't matter to someone message there what message are we four hundred matches the day ... people still use petitioning a lot ... how many messes they sent ... so we don't get ... the billion in bond messages a day and I think the bomb numbers well Dylan and the friends with the way that has to know is is it a little shout ... of what terrifies people wouldn't miss you one message for them to cover the phones out and becomes five messages when you look at the Earth ... Paul Lennon Sherwood on the board to vote on it which wireless operator in bomb ... our bombers are so involved with a billion and a bomb ... we're over twelve that way now so that's a much bigger than the competition right ... in the end directly in mobile messaging ... I started quite ... I get a lot of countries with a name some ... well we're we're a mobile company where are so we threw him from the fact that we are not ... big among phones are one of the few words from a global were big in Germany and Japan ... um what America and Mexico and Singapore and Hong Kong ... Deadwood Lewis that actually they can stay ninety eight percent of people who are active smartphone users are active WhatsApp users ... the follow right ... really yet we're ... were rhubarb learn Spanish German and will grow into a pass on the level of a conference and really that that was where we're going mobile in August ... so it ... kind of funny because you're you're huge everywhere in the world a huge everywhere in the world except to handle the Korea Japan ... China ... three months ... with its competitor learn what ... is wrong ... I ... hands ... but you're also a Silicon Valley company that people have never really heard of until very recently in Silicon Valley it seems like you manage to keep a low profile and we continue to have that ... unmarked office and not in the eventual finding recently ... and you're pretty small your candidate into Isla Cannally ... very much in Silicon Valley company ... at ... can you can you describe that dynamic ... sure there is um ... what a pipe ... in with you a consulting Reilly and ... Will wanted to focus on the product first who wanted to build a great product into a great users for ... and I think ... we wanted to make sure that we're going to destruction unlimited attention from the press phones ... launching ... earlier Villanova horrible right ... here is that right now I'm not answering customer support email inbox lucrative bad for you to read ... and ... uses very interested to hear who you are ... read here ... um so it's a bounce and were becoming more of this will improve for them to suppress but I think it was very important was the first two years for us to focus on the part of a user's friends it was ... our number one thirty one to build a service that is reliable wanted to blow the partisans really easy to use the ... client that all was forcing a phone ... and it's it's a little bit of a destruction and took it all is below but noises sometimes I just wanted to ... give the destruction of evidence is focused on doing what we do best which is building reliable lessons ... Sony open WhatsApp though I mean it's a reliable messaging system ... it's also an extremely simple ... I'm sure it takes a lot of time to keep up ... with twenty billion messages a day ... and to build the infrastructure behind that ... but the app itself with ridiculously simple ... a simple ... matter infrastructure were Arturo current for the rest of the brightest engineers in the world working crossword over with an extremely small team in ... Whistler where hiring ... um what elements in ... these if you ... well above thirty engineers who probably forty people total of maybe forty two now so how many and users were ... in line we feel the blood of the highest ... millions of users a one per employee in the industry today ... aam is a freelance ... if you join us in so much to ... do it with this ... um would you pay for a lunch of relevance for everything all right to the tothe for Cecil and I think how many millions of users for engineering TF that once I think starts with more to that I think ... people wanna work on a product that makes them ... and people wanna work on a part of the chips would have people in our company who can make a change in a petition ... published an arm and the ... mobile play and Ruiz to two hundred thousand ... people worldwide and biggest importer in recent years to work the company that ... makes an impact ... to people's lives we would sometimes talk to people who come on of ... um ... advertisement of incompetence ... and obeyed that work on a product ... of the work ... of advertising products and vendors alter that users as of the ... sling ... and today bright and when you go on work it was ... still working on ... connecting deeply working on making an impact ... so yes ... I mean ... me what that experience is mobile ... I ... so don't expect ... site the link to it as a safety guard at WhatsApp website it basically is a big sign that says we'll never run advertising ... we do have ... a manifesto on our ... advertising philosophy it's it's excellent you're the only person here ... would fall into that category and I have to think it through ... being anti advertising I suppose it's a different ... yellow part of the group of about four different and we don't want to know that doesn't mean ... what your likes of the Tasman ... but in ... who here likes to see other doesn't ... um ... going into the one that would have an accounting of ... when we didn't we get a bubble yet another Xmas founder of Madison ... you get bombarded ... with so much and the Alliance for its on the Web it's it's purpose ... is ... to be and we just all that ... smartphone wasn't the place ... because in the water with its extend smoke when you walk it's it's ... it's part of you you're smart or phone is so intimately connected to you in your life ... that putting an advertisement ... first the wall ... gettin' away a message right when you do about the message from the love mom from family ... and friends ... you wanna be able to fly to right away you don't wanna be destructive ... write ... an smartphones and general or so per song are so cry with you about putting advertising over there ... on the blog Austrian just been told me to write so wanted to build a company that is not based on ... a lot of other ... businesses and decided to write the paper you'll get some utility in water and a spreads which can be a ... lot of attention to the ... aisles of a lot less money for text messaging ... as well ... not everyone got area ... that answer but they do charge for what ... on you started charging more re are charging more people ... as I understand it ... ah I phone app is I was cost ninety nine cents are from very early on ... and more recently in just a few countries have started charging ninety nine cents for year after the first year ... with the truth ... Google will agree with that we're in the Beryl instances where eminent position ... but we're where actually up always thinking ahead with ink and worth the industry will be ... a few years from now and two thousand fifteen for Tumpel and ... be brief eleven to solvent sixteen mobile payment will be really where where ... everybody is able to bid from their phone and to the point where maybe you don't do it the ... more you know what was it anymore ... and ... when we get to the world where you have to be known phones and of the bill and deployable species live from a smartphone ... that's what we're building towards you will want to build towards a future where it's extremely visits one of ... the monolith on on the matter which country with ... what needs to happen ... it's ... well ... today were using ... goal ... of walking we use our tongues billing and ... I think what has happened is a lot more people and joins the smartphone revolution but it's happening a lot of people and to start ... home buying goods on their smartphones of people are starting to develop more more paid opps which means are able to finance their credit cards are phones ... um you know I haven't that she on Windows fun it actually pay by swiping a fall ... and so ... um I think it just takes time to deflect was everything was and that was unknown was well that it's time for people to adopt it now ... since he's started charging you seen I mean there's plenty of free alternatives ... well not ... really bright the show ... Barclays aims to love complaining and I tell them that pay for something industry ... I think the way we're going tomorrow as we ... think were ... trying to do a smart and were not obviously the charging of a DiFonzo enforces ... he did the first carefree and one implication expires Once ... and ... Burwell call Wu bubble to the Lewes people to pay ones are for service expires ... and you know ... you won't expire but at the same time so people are encouraged to pay a lot of times price to pay for that ... because the longer ... it sits in the book effect ... on the more powerful than when we were friends on it ... and so incredible to me people Ebita many banks that get to that but it's it's it's the best interest to give in addition to give up staying in touch with somebody for turbo ... so ... what I don't understand about I'm getting to that place where messaging is something that you it's really important you is ... is how all lah ... he built that is so un ... at ... Howell ... what are the decisions the you me Dupree different from what people were doing that allowed to get this kind of ... first new Burberry Erling Furre advantage and get to critical mass of these countries ... while we were started early on ... and ... it started actually was ... inimical founder Brian when ... the euro ... will boast worked out for about ten years ... um advertising business ... to get to that yes um we we actually saw firsthand that the three way relationship between the user ... and ... the ... Advertiser who would be writing ... a check and users' friends with all its moods because you would always have to ... provide services to another interesting company ... and ... we wanted to build the business for used in consumer using customer is is one ... one and Sam and ... um ... bowl so ... wanted to bill of asleep in his spare ... small and yet but when it dawned on us ... but we ... did some time off after the pool of crime actually been here courses go from here ... um I fell below the button remember going to Argentina ... was a friend of mine had before it started what's up ... and ... it was her birthday nor for Frontier Countries Turnbull's will it ... difficult to close attention of this word ... dialing codes and ... and ... again to select the tools on their way to make a neat semiconductor bought an I phone ... remember giant thousand mine ... right away with an odd bits of this is to show the whole world ... the smartphone ... and so was headed prototyping started developing from fund launched in two thousand ... and went to Susan's did you make when you're building up that that make it work ... so what it was at the time I mean ... I think it's interesting that is built around your contacts in your phonebook right it's treating that Mr. core social that well yes absolutely so bad though was up one of the ... revolution that things would it if you look historically the people of done ... that's the message and can commit CQ where you would you like random number for the ... edition ... number ... um there's always ... that which stands by the Cheslock with the Twitter friends with ... you instead of it that one out someone's got to ... it has been ... I work outside of ... right it's it's up to ... your cookbook the moment and fettuccine have this odd is both a new phone and the vesting of other non smoking a phone about its people oh machismo ... its content that you can eat it too is a lot of ways to win a housing in August with it ... um ... so that it why can't we just ate ... that as the basis of consequence why do an interval was created in rough weather winter now ... my doctor messenger but is a misguided but it is a Acuity Helen of this but it ... will have this book Social prolonged time doing it if it isn't that isn't available my grandfather like an old blackboard but avoid open and to pick up hope on the wood violet ... um ... so you know babe doubt it will cut into been around for a long time and it's her first moments for individualized and and we just wanted to build around that ... that was what made us to me ... are ... and different from all the other startups building on Facebook's ... different in that sense also defended this will immobile only we up you know what people compare us to strive for investors to Cuba to those that McDonald's Thatcher ... it was ... weren't you immobile ... home oriented company and product which would also invest the fund will reply ... I think it's actually ... a benefit to us because ... the thing about this amounts to the U S must send a message to somebody know it's going to their phone the phone is always with them ... yet and interest ... all that's why this phone number because nobody really knows eponymous shirt with red and it's it's been in use for your family let them untried QB we thank all it was awesome ... and ... we would come as ... such are still want to build the mall while Home Express because it makes also more ... real time and more immediate way to send a message to you and you will reach right away ... cut ... I fear I ... have persistent rumors that someone standby for billion dollars first its base of tenants who will ... actually ... unlike other places where they have like ... ten PR people on staff and figured out a carefully crafted message you guys called me and said ... no that's actually completely false which is which is different than saying no comment right ... so why why is there and if that's what's going on there ... also first of all home to use a little in common ... positions but ... if anything I wanted to do so it's kind of people of the blogosphere to be more responsible ... for and gives ... it a disruptive to what it is a company its investment hiring harder sometimes gives people destructive for work product and ... will wanted us to focus on renewing of ... but I've never set aside for something that our goal is to build a sustainable ... of independent company ... one odd ... building encompasses all one-on-one actually build the business to one that show the world that ... you can build the business but a paltry one hundred ... you can build a business where your user customers about because ... one advertisement in The Wall ... the user is a part ... one issue of the world it does have to be that way you can actually make a difference you can do something ... that is not whatever but the dogs ... so does that mean they don't have a pre set which in itself ... you know what ... we have a question of law ... Blackstone think about it ... we've never had a recession political pundits it's a fair thing it's unless you are and the right thing but ... which is on top of our ... deposits of our ... strategy to cost us about what to do ... we were little hell announcer ... we we we would rather spend time talking about how to make a product that are ... up to optimize and servers ... Bangkok the bulbous head this hypothetical rumors ... efficient and it's much more valuable to come a time ... more counterpart Reisman customer support and ... so are you going to get messaging for the rest of your life is a passion ... Eric was here on stage performing and though ... we will with both the goal of one hundred companies of their ... and today is a dual effect of salt or cars go Mavs Jamaal said ... but for the first three years of their lives and focus more ... on search ... at a wide spree and bought all the did was make a more accurate ... and ... I don't think the message wrong with wanting to do one thing and do it will allow ... so what what's that ever become a platform ... to mean ... your are ... we meant as competitors in Asia ... and ... the countertop flying ... WeChat ... but they've done already has become your mobile everything you open the wrapping you can play game you can ... start making friends you can also message right and it's kind of an interesting comparison to open your mapping app and see you know ... some some very clean texting me the picture ... sure but same-store proposal ... aam to be fair to be ... more well from time to pop ... up ... and in it ... one is this simple message now but really never ... then in your future ... bomb bomb drew a total of of of the thing about being a puppet with that again ... the user's friends suffers the job all those company is this to promote games and with advertisement in front of you and the chocolate who want to do so ... you have to fall to be a puppet who want to have a different positions to show this strategy is simple ... the ... one dollars a year and ... we would overlook the ... most competent story goes business models of ThomsonOne adopt which is why when not instead of bombarding our users with it pleases did was get wisdom and gets annoying gets in the way of messaging and gifts in a way of standing touches people were important ... right ... so I'll what's the carrier's think of the now and how is that changed over time aam ... they had a pretty good business charging its ridiculous amounts money for sending tiny bits of data to our friends ... the term religious approval for its own ... but then I think you're walled in general because it was adopted smartphones which was no ... obvious that didn't stop him on the news in now ... Facebook and Twitter ... what's up their phones and ... fifteen shares now look at the ... data plans as a source of revenue am brush with helping carriers ... on board people we share stories of people coming into stores and in other countries in San Juan a smartphone with a bit of fun so it is what ... I wanna be part of ... the chopped up my family ... this ... um especially fellow that lives in different countries ... and boy are sort of limits in relationship with tears ... with Dongbu we are a bit of deals with the median ... home where people can implement passes for what's up ... does ... that mean ... so if you have to live in a Hong Kong and you wanna go to Singapore for daily wanna go to another country in ... the commercial by running pass ... up and when you go to the other country can use what some ... of ... the developing a new friend above ... Japan ... roaming charges and ... his team is to know what's up ... was a friend's Bacall and nowhere but didn't charge a lot it's basically a sentence of five dollars U S and to consign them of Messrs pictures ... soon all missing out on the stand out today to expand on that front ... UPS or Dongbu amazing things with three in which is which is ... which has around a component of what Saddam a lot of a lot of of local data plans done ... deals with Reliance and to do with them insider it was ... really done a lot of deals was scarce robs a world where people are able to get ... what's up specific data plans ... and I think you know the important thing to notice here is that ... the consumer benefits because I know it yet they want to submit a plan that isn't limited to ten messages much as they wanted some pictures a bit of ... a child ... and this is an example of art Center's work until there were ... so ... with that ... go ahead if you wanna ask questions come on over to my ... when coming in ... it's the ... feel free to jump in ... on price and at the queue for trading in time to get in a new state with a clever take on a path not selling ads ... on my question for you is an Iraqi I see something that already has denied this organization for teens in us ... and we can rarely contact our members in ... the key with them ... through SMS ... so I present revisit what impact you think I'd to messaging will have an awesome as my kidding ... and you think that this behavior in for brands to interact with them and there is but apps like your ex ... what role in ... print or part of the way for brands and carpentry users we wanted to consumers or in part a Warren of people to masters of the people wanted ... and were not looking to add businesses into what we're doing ... but it ain't going forward and that will be inching to see how the technology Wall Street so never buy them so smart one in the world and ... one thing really cited above where ... the ... breaking point of this tipping point is a small boat ... Lucia ... Lucia where it's when you have the billing to build smartphones of that ... and people obviously had to learn to communicate with each other the way we ... connect with shoppers humans ... and double the range and Sudan will it happen to be part of that ... when you're ... looking for these different platforms ... T think about our audiences differently in the new fee is tried and ... it seems like you for a while you are reading that this this time I phone users being wealthy and be able to ... to buy that upfront ... and now intraday imagine is bigger because you to peek around the world had a bounce this ... one hundred is bigger because you are for fungal phones PR from business models are selected to business model it was for about an I phone was the first row of of of the bill for ... and the we are to be something that is coming through the ... was started charging early on ... well what what what people can stretch in the heavens ... and why would the charts when they want ... Ben up watching people walk in and tossed ... into in an effort to go for Hasler ... and who always folks are gonna go swim proving that were bought ... out from the revenues are positioned in our dining kind of ... um promotions are going up the porch for wanted an effort ... to benefit ... everybody Amy is what's up ... the question of the euro bought it and to say I found for my sister and brother ... you know ... how and it didn't install a top and blue things are much more power ... does enough reform bills are gonna cruisers more power to snap up one years old a petition has a because friends are using ... it in so ... upbeat surcharging early on because that allowed us to ... lower their servers to buy servers to hire engineers to live on and ... the children of ... before paid for that became a more healthful a much stronger ... and four ... the other thing is different about you on the firm's Cyprus is a lot of the companies that have talked so far ... is that you are on ... pre much every platform to re ... we already do that with ... forty people ... white whatever it was pardoned Junior ... Bruce Martin Djibouti have teams for each different platforms with new tighter do altogether you know we were actually a silo window to the three years for fun from and Wedgwood ... date ... a difficult road we we we don't do wish to mollify with onto ... the prime question right native code ... on every single pumpkin on this ... well ... from its objectives the ... on the spot ... oh ... um think all smartphone profits we were not in ... a blog recounts inside one of the ... of blog reselling blog reads and Windows Phone Norton sported her to the success ... of this sermon is it worth all the that the ... up slope with where we want this many people ... up on Africans with an equivalent would anybody think of a family or someone will come to worse to come through with comparable ... to throw ... low on Vodafone's and then they want but this didn't mean it didn't was the sounds plausible open ... prices for important to military which everybody will we were not ... sufficient want everybody to dissipate or but it was John Wilkes off of ... Bogart a runway to build a really awesome one ... you think you ever allowing the spirit of ... openness and connectedness to the ability for someone to mess of someone's not on what happened ... we would push the flawed I think ... being ... ousted to a small where weren't interconnect with a mouse ... one went off to ... a question and ... would only apply to them because ... you want to be able to control desert it's one of the will to provide the best experience we can ... win hands a message to somebody else to some of the four Q was visibility into a reliably ... deliver them and would only do the actual one ... help us that the double check ... one of the lot to do the double check them out the kitchen and now that the actual end of semester two ... I ... one more question ... use teach and with that take our planet ... aam ... you know you've missed you I discuss with messaging is ... you know I think you through the understated units is the simple seen yet ... it's a high in the strategic ... importance of ... part of that change at Facebook ... coming in with with calming and messaging been a ... key component ... who will has discussed on ... Apple ... Apple Why messaging a knock at Apple where they ... have alluded to something ... till all of the Mason played a lot of that cash ... and for full disclosure to happen is awesome is is in the missing space and ... funded by Cary N Korea ... um yes Heidi you see this battle played out ... um ... you know what's that truly leader and pure play that ... he gets with everyone with more than billion dollars coming in ... how does a shakeout ... while there for four months the market was fair but a wonderful office about different products but think about them will work with on ... we were focused on our product but it's an ... all white guys ... over time thinking about my product ... among users on someone else's product ... details of users ... um you know you thought the boat all these different company has a thing would have to realize fundamental is that ... is a different business models for month and ... will look good as ever the French ... that's a different it's different that ... differentiates us from them ... we're not also on the desktop and intuitive along with ... it supported ... employment ... I think the last thing that I wanna mention is ... immobile and messaging ... is on that thing we do ... have ... some apart ... it's in our blood it's in our DNA ... and a lot of the ... company has to do ... a lot of things that I mentioned the will to live or do you search of this group of girls to do ... a lot of ... dimension is both of ... which was in a company has all but ... messaging is not of their primary focus of ... this to us ... okay last question I'm ... the U S market ... is anyone going away and how much they kept ... I which has a crystal ball to predict the future of where the ... well the son of a stronger U S knows where our and another from this and though ... will ruin things up much above one specific country where will the focus on the big pictures is his law career ... oral contract ... you like a bigger U S presence ... like a bigger presence globally ... we don't single out a single country remember that we you woe is will the vessels of mobile company would try to build a product that ... he is ... that people can use anywhere ... be it in Turkey or Brazil or ... Indonesia and ... we never tried to focus on specific country because will was a bit of salt with just basic fundamental matching that can be used anywhere in the world ... and actually stayed on the question is are at a time that the seventy odd ... thing to ...


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(CMT Offstage keeps a 24/7 watch on everything that's happening with country music artists behind the scenes and out of the spotlight.)
Now that American Idol is over, runner-up Kree Harrison 's country career is about to begin. She's back in Nashville, ready to make music, and talked to me about all things Idol and beyond.
On how she felt when her name wasn't called: "It was a win-win situation either way. And I got to perform my single at the finale. I couldn't ask for anything better than that."
On what she said to Candice Glover right before Ryan Seacrest revealed the winner: "We were both standing there saying how proud we were of each other, and I said, 'If they call your name, you better sing your butt off.'"
On the bonds of American Idol: "You spend so much time together, and you're each other's support system. So it's easy to become close when you share that experience with those girls. Until the very end, you definitely have a bond."
On Keith Urban: "What you see is what you get with Keith. He's very genuine. He's very sincere. I don't think he knows how to be anything else."
On the other three judges: "I really loved all four judges. I loved them each for so many different reasons."
On the best day of her Idol journey: "I got to go to a children's hospital in L.A. and learn about music therapy and be a part of it. It was amazing. It was best experience I've ever had."
On the tough parts of her Idol journey: "I appreciated every moment, even when the chaos was at level 10 and you didn't know whether you're gonna be there the next week or not. So I didn't take anything for granted — even when it got tough."
On her new single "All Cried Out": "I wish I would have written it, but I felt like they took the words right out of my mouth. I'm so happy to call it my own. I've fallen in love with it."
On her favorite song from pal Kacey Musgraves' debut album: "'It Is What It Is.' I just love it. It's so country."
On being back in Nashville: "I'm so happy."


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NEW YORK (AP) - The four guys from Il Divo will get some help from a Broadway veteran as they tour this spring singing musical theater hits - Lea Salonga.
NEW YORK (AP) � The four guys from Il Divo will get some help from a Broadway veteran as they tour this spring singing musical theater hits � Lea Salonga.
The classical music group announced Wednesday that Tony Award-winning Salonga, the original "Miss Saigon" in London and New York who also starred in a Broadway revival of "Flower Drum Song" in 2002, will join the upcoming North American tour "Il Divo � A Musical Affair: The Greatest Songs of Broadway Live."
The tour kicks off on March 28 in Phoenix and ends in June, with stops in California, Washington, Canada, Utah, Colorado, Georgia, Indiana, Oklahoma, Texas, Florida, Maryland, Pennsylvania, North Carolina, Ohio, New York, New Jersey and Rhode Island.
The tour is in support of Il Divo's latest album, the compilation of Broadway songs "A Musical Affair." Onstage, Salonga will help the group sing such hits as "Some Enchanted Evening" from "South Pacific," ''Tonight" from "West Side Story," ''Memory" from "Cats" and "Can You Feel The Love Tonight" from "The Lion King."
Il Divo, which came together in 2003, is made up of tenor Urs Buhler of Switzerland, baritone Carlos Marin of Spain, pop artist Sebastien Izambard of France and tenor David Miller from the United States.
Online: http://www.ildivo.com
Mark Kennedy can be reached at http://twitter.com/KennedyTwits


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12 Photos from Venice, Italy
Monograms Travel. The trip was amazing. I hadn't been there in 15 years and it is still one of the most beautiful man-made things I have ever seen.
Monograms has a very unique take on the tour mentality, taking care of the hassles of travel while allowing you to move about independently and explore on your own. I'll go into it in more detail in the next post but I think they've struck the perfect balance.
I had thought of a similar service a couple of years back only to discover that they'd been doing it for ages. I hate it when someone steals my ideas before I even think of them. It's just rude.
{ 13 comments… read them below or add one }
- September 25, 2014 at 6:54 am
Beautiful photos. It makes me want to return to Venice – now. I love getting lost in its streets. I look forward to reading your future posts about the trip!
Susie Wellendorf recently posted..National Parks Rule: Just Book It
- September 25, 2014 at 11:58 pm
Gorgeous photos – and the perfect poignant note to end on. It's so sad how all of this art and history and stunning architecture is slipping away from us. This post just makes me want to visit again, before it all disappears.
Katie @ Second-Hand Hedgehog recently posted..Hidden Gem: Shap Abbey
- September 26, 2014 at 1:37 am
Lovely photography, Wes. Venice is such a colorful and romantic city and you've captured its spirit beautifully.
Miriam of Adventurous Miriam recently posted..Photo of the Week 12
- September 26, 2014 at 11:32 am
some great shots. Venice is just so photogenic
rebecca recently posted..Lazienki Park in Photos
- September 26, 2014 at 3:41 pm
I'll never get tired of seeing pictures from Venice. It's the destination I visited back in 2011 that convinced me that returning to work after the week was finished was the worst idea ever.
I owe the past two years of full-time travel to Venice, and I love it so.
Dale recently posted..A Beginners Guide to Enjoying Animals on Holiday â Without Harming Them
- September 30, 2014 at 9:17 pm
I love your post, Wes! Been a long time you posted something, but its worth the wait. Looking forward for ur next post!
- October 1, 2014 at 2:47 am
Great photos. The window one is just so clean and simple. Nice eye. I hope you brought the elephant with you from that last post because how will he now know it's 5pm without you having a beer along side the street!
Ed recently posted..Diving off of Angel Falls in Venezuela
- October 31, 2014 at 7:23 am
Beautiful photos! I can never get sick of taking pictures of Venice. I was there a few times this past summer – it never fails to take my breath away.
Stacy recently posted..Bellinis at Harry's Bar – Venice, Italy
- November 4, 2014 at 10:13 am
Wow, beautiful pics. I am planning a trip to Italy next year and cannot WAIT!!! OMG, and gondolas are $40,000?! Crazy!
- Cynthia with http://bargain-outlets.com/
- November 4, 2014 at 8:33 pm
Beautiful colors everywhere! :)
Miguel recently posted..Seoul: Captured in 12 Photos
- November 22, 2014 at 10:26 am
It's sad how much the place has gone to the tourists, but it is undeniably beautiful, so it's still worth a visit … thanks for these amazing photos of Venice!
Adam recently posted..Tourist Attractions In Guadeloupe To See On Your Winter Getaway
- December 1, 2014 at 1:30 am
Farewell my friend. You were a great one.
Michael Hodson recently posted..Win a trip to Dubai, airfare and stay at a great hotel
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Why is there an Open Public Records Act?
The policy behind the Open Public Records Act (OPRA) is that government records, with certain exceptions, should be readily accessible to the public for inspection, examination, and copying. While limitations on the public's right of access should be decided in the public's favor, a public agency is required to keep a citizen's personal information from public access when that access would violate the citizen's reasonable expectation of privacy.
OPRA Fee Schedule
NJ Government Records Council Website


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As far as acquisition matches go, the purchase of Woodbury by AIG could turn out to be one of the better retention purchases by the insurance giant. To be sure, the AIG story will be carefully edited so it's one that will entice as well as bringing a feeling of security. Many positives exist with this acquisition but wrinkles are always lurking beneath the surface.
Woodbury will probably experience very good retention with their reps, primarily due to retention bonuses already paid, but also for the following:
- No paperwork in making the change
- More retention money probably coming
- RVP's working hard to talk up the new owner (they are paid bonuses for the reps taking retention bonuses)
- AIG promising to plug in their technology which would be an improvement to what they have
- They are having a conference in two weeks where they'll have a pep talk with Larry Roth and Benmouche speaking to the reps giving them a "You've gone to heaven" perspective to the purchase.
Since I'm not one to "drink the Kool-Aid," this is what I see as likely long-term changes:
- Woodbury was operated at a loss, but made up for it through Hartford product sales. E&O Insurance was only $1,000 at Woodbury, while the rest of the BD world pays $2,500-$,3000 annually. Some of their advisory administrative fees were unusually low, so costs in general will need to increase. AIG runs their BDs at a profit with Royal Alliance making over a 10% return, FSC around 7% and Sagepoint around 5%.
- AIG has many centralized back office operations, with trading run out of New York, and compliance and operations out of Phoenix and San Diego. We're likely to see many back office functions at Woodbury transferred to AIG.
- The RVP structure will likely be phased out within two years. They have 19 RVPs on salary, benefits and bonuses making between $300,000 and $800,000 annually. This is overhead the other AIG BDs do not have. As a result they will move to an OSJ structure instead.
- Many of the Woodbury reps did large amounts of Hartford VUL because they made outstanding commissions on the product (up to 105% on premium). They're in for a rude awakening with the commission rates paid by AIG on VUL products.
The worst horror story I can think of with BD acquisitions would be when Royal Alliance bought United Securities Alliance. I talked with one former owner of the latter Thursday night. He said their revenue when purchased was almost $30 million, but only $9 million switched to Royal. He'd be surprised if they have $5 million still in place. I don't think the Woodbury purchase will be anywhere as bad, simply because it's an insurance BD buying an insurance BD, while many of the reps at USA had left insurance BDs to be with a non-insurance BD.
On the humor side, a Woodbury rep recently joked that Gary Bender was a Larry Roth plant at Woodbury to scope them out for purchase. Bender was the long-standing head of recruiting at Royal Alliance and has been at Woodbury for about eight months.
I use to recruit for the largest producer group at Walnut Street Securities, the Advantage Financial Group headed by Joe Russo. Back in the day, we went through the purchase of Walnut Street by MetLife, which was then headed by Robert Benmosche. We'll probably see the same thing we saw happen with MetLife. We'll have a six- to 12-month "honeymoon period" where they leave things alone. They'll then start tightening the thumb screws to make things the way they want.
Some of the big questions about AIG BDs in general would be: Are they going to centralize most all functions to one location like MetLife did having everything out of Isline, N.J.? Are they going to merge the BDs into just one or two BDs? This year, AIG was going to have one major conference for their three BDs, which may be looked at as a feeler for future consolidation. Benmosche stopped the sale of the AIG BDs saying at the time in 2009, "Why would we sell these firms at the bottom of the market?" Is this purchase of Woodbury an indicator of commitment to owning broker-dealers or is it to get more economies of scale to attract higher value in the sale of their BDs?
The differences between the AIG firms have virtually disappeared, to the point where the only things we see different is when you call Royal Alliance you get a New York accent, when you call FSC Securities you get a Southern accent and at Sagepoint, no accent. Maybe, in one to two years, the difference we'll see at Woodbury will be a Minnesota accent. You betcha …


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After weeks of speculation, Kate Walsh has officially confirmed that the upcoming sixth season of Private Practice will be her last.
The actress made the announcement on Bethenny, the new daytime talk show from former Real Housewives star Bethenny Frankel. The interview will air on Wednesday.
In a clip released from the interview, Walsh says, "This is my last season for Private Practice... It's been an incredible journey an amazing ride. I'm hugely, hugely grateful."
Private Practice's Tim Daly not returning for Season 6
"It's been a long time being Addison," she continues. "I feel incredibly grateful to Shonda Rhimes and all the fans that have been there from Day 1 to now. I'm really excited about the last season."
The news doesn't exactly come as a surprise, as her exit had been rumored in May, days after Tim Daly (Pete Wilder) announced he's leaving the medical drama.
"There's a lot of budgetary issues on that show," Private Practice creator Shonda Rhimes recently told TVGuide Magazine. "We need to make sure the show is viable and that we can produce it."
Keck's Exclusives: Shonda Rhimes discusses Private Practice exitsPrivate Practice will return to its Tuesday timeslot at 10/9c this fall, and while the initial order was for 13 episodes, Rhimes says, "I have been told that I'm not allowed to think of us only doing 13 episodes."Check out the clip of Kate Walsh on Bethenny below.Will you still watch Private Practice without Addison?


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Developer finds hidden smartphone logging appBy Shawn Knight 48 comments
A security researcher by the name of Trevor Eckhart has uncovered a hidden application installed on many popular smartphones that logs nearly everything the user does. Eckhart has posted a 17-minute video on YouTube that shows how the software tracks text messages, Google searches, phone numbers and more.
In the video, Eckhart details the process on his HTC EVO 3D but the software is present on other handsets from manufacturers like RIM and Nokia. The app is called HTC IQ Agent on the EVO 3D and it's impossible to stop the application from running in the app settings on HTC Android devices. The video shows how the application tracks button presses and even SMS text messages. Furthermore, HTC IQ Agent logs browser searches, even if you are using encryption methods like https. With https, anything after the domain name should be encrypted – it's not in this case.
Eckhart calls Carrier IQ a rootkit on his blog, which is a term for a piece of software that is installed without the user's knowledge and is typically used for malicious purposes.
The developer has been in a legal battle with Carrier IQ for some time now. The company sent him a cease and desist letter earlier this month claiming that he violated copyright laws when he published training manuals on his blog. Digital rights group Electronic Frontier Foundation came to Eckhart's defense and Carrier IQ eventually retracted the legal threat. The group feels that Eckhart has "raised substantial privacy concerns" regarding software that many consumers don't know about.
Carrier IQ bills themselves as "the leading provider of Mobile Service Intelligence Solutions to the Wireless Industry." A ticker on the company's website shows over 141 million handsets have been deployed running their software. A PDF published on November 16 claims the company does not record keystorkes or provide tracking tools. After watching Eckhart's video, however, it's difficult to believe such a statement. What do you think?