The world of personal finance, banking, mortgages, stocks, etc was revolutionized several decades ago as the web became a part of our lives. It was stunning how much you could now accomplish with and Internet connection and the Worldwide Web at your fingertips. The entire area of personal finance was one of the early drivers here, as people could now check their stock quotes in real time and search for mortgage rates without going from bank to bank and getting jerked around by bankers. if you were thinking of moving anywhere your mortgage search was now easier. If you wanted a second home in Canada, you could learn about Canadian mortgage rates online without leaving your home. The power of all this information totally revolutionized many industries overnight.
Now we’re in yet another revolution with the proliferation of finance apps, stock apps, mortgage apps, etc. This time it’s less about what you can find, but how easily you can find it or even have it pushed to you. Any time. Any place. That’s the mobile revolution, and websites now have new and more powerful competition for your business with apps.
This of course is great for the consumer. There are tons of new apps to help you with every aspect of your personal finance needs. Zillow just updated its mortgage marketplace app. Apps like Mint and a slew of competitors help you track all of your spending. Simple budgeting is no longer the ideal. You can track everything now in real time. Apps like SavedPlus help you make sure to save a little every day.
There are so many out there that it’s easy to get intimidated. The key is picking something important to you, like perhaps daily budgeting, and then look for apps that help with that. It’s sometimes better to focus on one thing at a time. As you get a new app, it’s really about developing a new habit in how you go about your daily life. The app is just a tool, though obviously a very powerful one. But often we’ll download an app and then never use it. This is why focusing on one thing at a time and developing a new habit before going on to the next one can help you be much more effective.
Once you realize the power of one app and see how much it can help you organize your life, then you’ll be that much more motivated to move on to the next one.
This of course applies less to young people who are accustomed to having all sorts of apps in their life. But for the rest of us, a deliberate approach can be very helpful.
It used to be that if you wanted to play any of the casino classics like roulette and poker, you’d have to get yourself down to a casino. This was fair enough if you lived in Vegas or Atlantic City, and a relative few other places around the world, but not so convenient for the vast majority of the world’s population.
In the last decade or so, though, the casino world has been revolutionized by the arrival of online casino sites. Now anyone over the age of 18 with internet access can gamble anytime. And even more recently, that’s changed again – so you can not only gamble anytime, it can also be anywhere. There’s a choice of online casino games from ca.32red.com which are now available to play on the casino’s mobile app, so you can have access to your gaming favorites wherever you are, provided that you have an internet connection.
Of course, it’s not just 32 Red that’s gone mobile. Many other casino sites also offer a similar deal, but with 32 Red, there are special loyalty points to be earned too. You can enter Free Chip Friday, for example, where certain players are chosen to be awarded with free mobile casino chips. To qualify, you simply need to play on your mobile during that week. Winners are notified by SMS and the prizes can range from $5 to $500. It’s really simple to download the mobile game apps to your device. Just choose the game you wish to play and then fill in the details on the window that appears on screen.
Currently there are 18 mobile casino games on offer from 32 Red including blackjack, baccarat, slots, roulette and keno. For those of you who like to go for the big jackpots there’s Mega Moolah and Major Millions to play too.
With so many games now available on your smartphone, there really is no limit on when you play casino games. It’s a perfect way to keep yourself amused on the commute to and from work, as long as you’re not driving, of course! And if you have to wait in line at the doctor’s or another appointment, there’s now an entertaining alternative to reading the well-worn magazines in the waiting room!
The only thing you have to bear in mind, of course, is how much your entertainment is costing you. As long as you keep a lid on your spending though, you can make casino games a fun thing that you do now and then, rather than any cause for concern for your financial well-being!
The latest newfangled craze is mobile gaming and you can do it all from your smartphone like place a sports bet, take a seat at a poker table or even play free bingo online all from your mobile device. It’s safe to say that we all possess mobile phones these days and mobile gambling is a world much larger than just calling in a quick wager on a football game.
Let’s take a look at an online gambling site like Ladbrokes. They’ve got it all from casino games, poker, bingo, sports and lotto. After a Ladbrokes Bingo review, I noticed that it has yet to launch bingo on its mobile app but you can access most every other type of game. Players can download an app to their cellphone or tablet and access all the games it has to offer in a matter of minutes.
When registering with a mobile casino or bingo app, players generally use the same log in details that are used at the regular site. One of the perks is that most gambling sites consider this a new registration and players become eligible to a whole host of new bonus offers from No Deposit Bonuses to Welcome Bonus and reloads. What’s a reload? A reload bonus or redeposit bonus is a deposit match bonus applicable to deposits made after the initial. For example, a deposit of $10 with a 300% match would give a player $40 to play with. Not all games are just played for fun. They can be played for real cash which equals real wins.
Depending on your location in the world, there are a vast number of online casinos powered by a variety of software that feature mobile options. Perhaps you prefer Microgaming software, the Ladbrokes Mobile Casino features a range of old favorites including Avalon, Tomb Raider, Mega Moohlah, Thunderstruck, Major Millions and Mermaids Millions. Other casino games offered are Jacks or Better, Roulette, Blackjack, Three Card Poker, Keno, Fruit Fiesta, Royal Derby, Scratch n Score, Double Magic, Pub Fruity, Treasure Nile, Baccarat and Scratchcards.
You will find that the majority of online casinos do not offer their entire suite of games on their mobile applications but Ladbrokes does an incredible job of dazzling players with an impressive variety.
Use your mobile phone to open a door to gambling at its most convenient. No traffic jam, waiting room, grocery store line or long car ride will ever be the same when you’ve got gambling on the go!
There are two things I can’t stand (well, three if you count famine), and they are the overuse of the word “swag,” and products made by car companies that aren’t cars (cologne by Ferrari, for instance).
However, even though these two things are at the top of the old hate list, there are still exceptions. Particularly when the people over at Maserati take their skills at designing some of the best looking cars in the world, and apply it to crafting a pair of speakers that can only be described as swag.
Ok, so technically these speakers are manufactured by the fine folks at Bowers and Wilkins but, even though they are known for some impressive designs themselves, there is no mistaking those beautiful curves, that wood grain finish, or that general feeling that you can never, ever afford this as being the product of anyone else but Maserati.
True to the ideas of both companies though, these speakers aren’t just lookers, but top of the line in performance as well, as they are built around one of Bowers and Wilkins best models that may be manufactured with studio performance in mind, but could rock the foundations of any home as well.
Of course there is no price for these items available yet, and will probably require a “price upon request” approach to determine when they hit the market later this year. Until then (and for many likely long, long after) all we can do is admire the sleekest pair of speakers you’re likely to lay eyes over ears on, and maybe try to find another word besides swag to describe their superfluous levels of luxury.
This is an awesome video featuring the lovely Inessa Chimato and a hula cam. What’s a hula cam? Well, it’s another example of the incredible potential of the new generation of miniature digital cameras. The clever guys at Clip Critics decided to put the brand-new GoPro Hero3 black at 2.7k and 1080p 60fps on a hula hoop. Give it to a girl in a bikini on the beach and you have a super fun video!
We’re pretty confident that these tiny digital cameras are going to have a huge impact on our lives, with fun implications for entertainment, helpful implications for security and possibly troubling implications for privacy.
Do you know all the ways that you’re being tracked through the Internet and your smartphone? Data aggregators, including Microsoft, Google, Yahoo, and more, are tracking everything you do. Are you okay with that?
When we post things online, perform web searches, and write emails, many of us assume that that information is private. Unfortunately, that’s not the case. The information that is found through this mining is stored on a database and with the right resources, this information can be pulled together and given to those interested.
Reported in the New York Times article, “The Web Means the End of Forgetting,” such a thing happened to Stacy Snyder, a 25-year-old student teacher who in 2008 posted a picture of herself drunk on her MySpace page. Because of that photo, the university denied her degree just weeks before her impending graduation. She’s not the only one. Others have lost jobs for posting negative things on Facebook about their jobs. Some companies even require you to login to Facebook before they will hire you. Suddenly, there’s no disconnect between your personal life and your professional life; the Internet is bridging the gap.
Apps Tracking What You Do
But it’s not just the Internet that is tracking what you do. Apps that you put on your phone can track you as well. For example, Pandora reportedly asks you to give it permission to track your location. Many apps ask for this; it makes sense for a map app or for one that helps you find cheap gas near where you’re at. But why would Pandora need to know where you are?
Other apps are doing even worse. Researchers analyzed 10,000 apps for Android cell phones and found that 8 percent of them ask users for access to the International Mobile Equipment Identity number, a unique code given to each cell phone. There is no reason these apps would need this unique identifier.
Is It Possible to Be Private Online?
In an interview with Tom Ashbrook on Boston’s NPR station, Michael Fertik privacy advocate and CEO of Reputation.com, shared the idea that there needs to be a barrier between us and the companies that we interact with.
So if you want to go on Netflix and indicate which movies you like and what you don’t like, it’s anonymous. Instead of connecting these preferences to our real names, it would be connected to something like user10537. So it is possible, but will it happen?
For now, be careful about what you post online and check the privacy settings on all social media websites.
Christmas shopping has certainly evolved over the years. With gadgets now dominating our lives, they also dominate our Christmas shopping, even for younger kids as the age minimum for smart phones in many families keeps getting lower. Sure, boys still love footballs and girls love their dolls, and parent will buy all sorts of things large and small. Clothes and stocking stuffers and trivial gifts like cards puzzle frames are still common, but gadgets have certainly become the most important item on many gift lists.
The gift guides will be coming out soon, and you can expect the iPhone 5 to dominate many of these lists, and that shouldn’t be a surprise. The only thing holding it back is that so many people have already purchased one, as the introduction of the iPhone in many ways was an early Christmas for those involved in the logistics of delivering the new phone. The iPhone hysteria is certainly good for companies like UPS and serves as a warmup for the crazy Christmas season.
Despite the maps fiasco, the new iPhone 5 is obviously a hit. But it’s certainly not for everyone with the high price tag. Parents in particular will be searching for less expensive alternatives, and many parents frankly don’t want to spoil 10-year old kids with a new iPhone. Yet the pressure remains. So scour the upcoming holiday gift guides for other ideas that will make the kids smile.
So, I know that there is a lot of talk going on right now about Microsoft’s big announcements concerning their new tablet and the Windows 8 phone. And why not? They’re both beautiful new machines that are set to not only eat some large holes in wallets worldwide, but maybe even eat the hearts of some Apple owners in the process (though probably not).
In fact, I was ready to add another entry into the hype machine with this article. There I was at my computer going from page to page, report to report, spec listing to spec listing, absorbing every detail along the way and furiously typing up my findings. Then, something quite embarrassing happened. I looked at my shirt and noticed that even in my moderately cool (temperature wise) apartment, I had worked up a case of the sweats. I was so flustered, in fact, that I modified my search to “rapid ways to cool off.”
That’s when I found it. The coolest invention for the summer. And as you may have guessed by the headline, it isn’t the Windows 8 phone. No, instead it comes to us from the island of Japan and is manufactured by a company called Kuchofuku. What does Kuchofuku translate to? Air-conditioned clothing, and that’s what they’re all about. Their bread and butter item is the air conditioned work shirt.
It’s actually been around for a couple of years now, so before anyone else says it, yes, this is old news. However, considering it’s currently 91 degrees in the evening in New York, I think it’s starting to feel surprisingly relevant again. There’s not much to the shirt really. It’s just a couple of AA battery powered (with optional USB charge) fans attached to the back of the shirt that pumps cool air around you while you wear it. It’s made of polyester, comes in a few different colors and sizes, and gives me some very fond memories of Marty Mcfly’s self-drying jacket from “Back to the Future 2.”
Kuchofuku isn’t just a one trick pony, though. That shirt is just one of the offerings in their diverse product line. They also offer a less than stylish air conditioned coat, and the most surprisingly practical item in their arsenal, an air conditioned bed cover that pumps cool air throughout while you sleep and costs a meager 24 cents a month to power for 8 hours a day.
These items aren’t just novelty devices either. ABC News reported that, following the Japanese tsunami disaster, these air conditioned clothes and accessories saw a tremendous spike in sales from citizens left without power who needed to stay cool during the blistering summer months. Not only that, but major companies like Toyota started ordering these shirts for their employees to stay comfortable at work with, all while cutting down on cooling costs.
Now, there is the slight problem concerning the cost of the clothes. That shirt, for instance, retails for about $183, while the bed cover is going to set you back around $352. However, if you are one of the millions considering spending hundreds of dollars on a new Microsoft product just to look cool, why not take a part of that money and buy some clothes that will actually make you be cool. And if you don’t want to take my word for it (couldn’t blame you), here’s an actual quote from Kuchofuku founder and former Sony engineer Hiroshi Ichigaya on his product:
“People ask me, why would I want to wear a jacket when it’s so hot… I tell them, because it’s cooler than being naked.”
In my usual hunt for an interesting and unique bit of technology news to share with you, I must admit that I came up blank. Technology is always shifting and moving, but unfortunately, some days it does so like sand in the wind, and on others like a glacier at sea. This would be a glacier day.
In fact, the most interesting thing I stumbled across was actually… a new coffee mug.
This isn’t just any normal mug, though, but a mug that has an LED indicator on the side in the form of a battery charge icon. If you pour in a beverage above 96.8 Fahrenheit, about the temp of a typical cup of coffee, then the indicator fills up to the top as you pour, and then goes back down as you drink. The gag of course being that as your energy depletes, so does the mugs.
Some are already calling this the coolest nerd mug on the market. I honestly wasn’t going to dispute this opinion until I did some research and found that the field of novelty coffee mugs is surprisingly strong. In an effort to try to lend some finality to this debate then, I found some of the best novelty cups I could and measured them against the battery mug.
The Toilet Mug
Maybe the original “Outside the Box” mug. This is for the guy who may have left the frat house, but refuses to abandon the cheap laugh now that he has to be “grown up” or…pffft whatever.
It may be a classic gag, but once the novelty of letting coworkers believe that you are drinking from a toilet ends, so does the use of the cup. Since I put that timeframe at anywhere from an hour to a day depending on the size of your office, I give the battery mug the edge.