With so much information about the iPhone being generated over the past week here is a run down of the various reviews and information we have been getting about the iPhone.
Reviews Walt Mossberg on the iPhone. One of the first iPhone reviews and goes into quite some detail about the various functions of the phone. This is a good starting place to find out about the iPhone. The New York Times iPhone Review. By David Pogue. Again another good starting place to find out about the iPhone. David Pogue's iPhone review. (video) He really doesn't like AT&T's Edge network. Cnet Australia on the iPhone vs the Nokia N95. Compares thickness, screen size, display surface, Wifi, talk time, internet use, video playback and audio playback time as well as a range of other criteria. The iPhone scorecard from reviews so far. The iPhone seems to be scoring highly so far.
Engadget on comparing the iPhone to the Blackberry. Essential read if you are thinking about an iPhone and are a business user. Wireless Info iPhone review. Says the iPhone is attractive to business users and is revolutionary in some ways but only evolutionary in others. First impressions for Daring Fireball. Splits the review up into the different parts of the phone, not as long as some reviews but has some very good points. Howard Forums on the problems with the iPhone. Points out some useful things that you might expect on other phones but not on the iPhone.
Engadget iPhone review. Detailed review about the various features, comes to the same conclusion as many other reviews though states that productivity with the iPhone could be better. TUAW with real world iPhone experience. Dave Caolo has fallen in love with the iPhone as he puts it. iLounge iPhone review. Ten pages of indepth iPhone information saying the phone is great but the two year contract sucks. TUAW initial thoughts on Mail and SMS. Generally positive about using SMS but as he admits he doesn't send a lot of SMS messages. Pocket-lint iPhone review. Great phone but still with it downsides, they are not convinced on the two year contract.
Hardware TUAW with some iPhone pictures and first impressions. Fixit on dismantling the iPhone. (Someone was going to do it sooner or later) PC World on the iPhone stress test. (Video) Engadget on the iPhone using an 620mhz ARM CPU. Potentially made by Samsung. Business Week on how much the iPhone components cost to make. Discusses some of the possible manufactures of parts and how much they cost. TUAW on the iPhone battery replacement warranty. Apple Insider on the internal components in the iPhone. Parts from Samsung and Intel.
Engadget on the iPhone not looking so cool. Nasty crack in the top of the iPhone from the edge of a table.. AnandTech on dissecting the iPhone. Lots of pictures and detail about what is inside the iPhone. How Stuff Works on how the iPhone works. Good detail of the touch screen system and features.
Rumours Engadget on a 3G iPhone for Europe. On Vodaphone and T-Mobile in the UK.
Apple Insider on how the iPhone could be updated for Leopard. Apple Insider admit they are not sure about this rumour.
Applications Lifehacker on the top 10 iPhone applications. Some useful apps and some not so useful apps. Hackintosh on the iPhone system restore image download. Download straight from Apple. Joe Hewitt on Firebug for the iPhone. Debugging software for the iPhone. 25 Top Web Applications for the iPhone. Includes iPhone Chat, Google Reader, iPhoneDigg and OneTrip Shopping list. iPhone Source. Good website on iPhone applications.
Activation Engadget on the iPhone costs. (All American costs, no European costs available yet). Apple Insider on porting ineligible numbers to the iPhone. TUAW on how to get a contract-free iPhone. More on prepay from TUAW using 999-99-9999 as your social security number.
Interface Apple video on the keyboard interface. Official video from Apple about how to use the on screen touch typing. Think Secret with high resolution iPhone interface screen shots. Some nice pictures of the phone if you have not yet seen what it looks like. Gizmondo on touch typing on the iPhone. (Video) Engadget video on iPhone interface. Available in high definition. The iPhone Root Password. Ged Blog on setting the iPhones wallpaper. Useful if you want to put pictures from web sites onto the wallpaper of your phone.
Humour Stephen Colbert on the iPhone. He doesn't actually have one but has the next best thing, an imaginary one. Punking an Apple Fanboy on iPhone release week. Some people have too much time on their hands, funny though! The Joy of Tech Comic.
Other Gizmondo on what the iPhone doesn't have. Songs as ringtones (seems an obvious thing to have), games, flash, MMS (seems obvious too) and video recording to name a few. BBC on the iPhone making it into stores. Includes a video of Google CEO Eric Schmidt showing off his iPhone. BBC on the iPhone creating a stir at launch. Selling over 500,000 units in its opening weekend. Three accessories that won't work on your iPhone. Won't work as a phone when docked into speakers, no stereo Bluetooth and your headphones may not work. Think there is something missing from this list? Contact me.
You’ve worked hard your whole life. You’ve saved up, you’re ready to settle down and retire, but you don’t exactly know what’s in store with your state pension. Before you get to retirement age, you should know exactly what’s happening with your pension funds!
When it comes to UK pensions, the triple lock guarantee is what’s currently in the news. The triple lock was created to make sure you could buy what you needed with your pension once your reach retirement age. But what exactly is the triple lock program, and what is going on with it right now?
Pensions are set aside so that you can pay into state funds during your working years, and take from them when it’s time to retire. It’s not exactly playing the stock market, which can actually take longer than you think to hit it big, it’s more like a government run foundation for your retirement funds.
The current pension plan, known as the triple lock pension plan, will make sure that pensioners get a certain amount of money for their retirement based on inflation rates. The amount paid to retirees will then grow with the rate of inflation over time.
The Triple Lock Pension
Created by the Coalition government in 2010 and 2011, this pension plan was a guarantee to increase the pension payments at a steady rate. The Conservative-Liberal Democrat government from nearly a decade ago decided that the idea was to keep pensioners from suffering from the random increases in pensions that happened in the early 2000’s.
- The triple lock keeps your pension growing at the same rate as inflation.
- This makes is so you can get the same amount of food, goods, services for your money as the year before.
- This leaves the 75p a week rise in state pensions at the door!
- This pension plan makes it so your income isn’t deteriorated by the increasing cost of living in the UK.
The triple lock pension is great on paper, but the reason it’s in the news lately is because the overall price it costs to make this guarantee a reality.
The State of Your State Pension
Because the Triple Lock will cost tax payers an estimated £45 billion in a little over a decade, there is a huge debate over whether it should stick around! Knowing whether you can rely on the triple lock for your retirement income should be priority if you’re at the age of retirement right now.
The current pension was to increase to 6.6% of GDP (gross domestic product) two years ago in 2016 and expected to rise to 8.5% of GDP by the year 2060. However, after 2060, it is predicted that the Triple Lock plan will go down to 8.1% if a cheaper pension is put in place.
However, if retirement isn’t in the cards in the next few years, there are other alternatives that are on the table for state pension plans.
There are plenty of private alternatives for saving for your retirement, but when it comes to the state pension plan, there are tons of options up for discussion. Discussions for reducing it to a double lock, or moving it from a 2.5% minimum growth per year to a smaller growth per year, is being heavily considered
However, trying to predict the rates of inflation can be extremely tricky! Although there are lots of benefits of online gaming, and you can hit it big on the jackpots, you shouldn’t rush out the door to gamble your pension away!
Keep an Eye Out
With a growing society, and many people living for longer, the UK’s elected officials have a lot to consider. From the overall cost, to all of the technicalities of predicting inflation, you should look out for your future by keeping an eye out on what is happening with your pension!
You can check on your pension now, or you can watch the news to see what your future income will be like when you retire. Either way, a lot of changes may be on the horizon for your gold year financials!
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The deals and bonuses are not restricted to the new members only. The benefits are, also, extended to the members. The casino features 397 active deals up for claim. Depending on the casino, the active gamblers can enjoy benefits such as bonuses on their deposits and free spins or both.
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Most of us were raised to believe that bankruptcy only happened to deadbeats and the financially irresponsible. We were raised to believe that bankruptcy was always someone’s fault and that it could easily be avoided. We were also taught that bankruptcy would ruin our financial prospects for most of our lives. The stereotypes we were raised to believe were wrong.
Changes have been made to bankruptcy laws that have made the process easier and something every filer should be able to overcome. In fact, the experts at San Diego bankruptcy firm, Doan Law, say bankruptcy can even improve your FICO score in most cases.
So how does bankruptcy happen?
Today one of the most common impetuses behind filing for bankruptcy is medical bills. People go through an emergency health issue and the resulting bills are too much for them. Even if the hospital is willing to work out a payment plan, the bills are often so large that there is no hope of paying them off within the patient’s lifetime.
It’s true that there are fewer medical-related bankruptcy cases filed these days. The Affordable Care Act (known colloquially as Obamacare) has made healthcare much more affordable for many. It has not, however, completely wiped medical bankruptcies out.
Other Insurance Issues
By now most of you have likely seen the insurance commercial where the agent says that unicorn stampedes are covered by the homeowner’s policy but, unfortunately, flooding is not. Accidents and emergencies that cause significant damage to a person’s home or transportation are another significant source of bankruptcy claims. This is because home and automobile insurance policies are not as strictly regulated as medical insurance companies are now.
These can happen to the best of us and, often, in spite of our better efforts. Consider the following example:
You recently got divorced and you weren’t awarded spousal support or alimony (or, worse, you have to pay it to someone else). It’s not a huge deal. With some downsizing and strict budgeting, you’re sure you can make it work. But life turns out to be slightly more expensive on your own than you had anticipated. People keep wanting you to go out to dinner or take part in other admission-required events. You find yourself pulling out your credit card more than you want to.
Before long, your card is maxed out and your utility bills are due but you can’t pay them because you were pressured into chipping in a bunch of money for a coworker’s baby shower gift. So you opt for a short term loan. The high interest is alarming, but your bank doesn’t offer loans in the small amount you need so you go with what you can get.
Then, when the loan comes due, the interest is more than you thought it would be and you wind up having to take out another payday loan to pay off the first. And then you need to open up a new line of credit to continue paying your utilities and monthly expenses while you use your salary to pay off your payday loans and your rent. And it just keeps snowballing from there.
Then you get downsized and the financial tightrope you’ve been walking gives way. Sure you could go through debt consolidation but that takes forever and you really need the fresh start--especially since most employers run credit checks as well as background checks on potential recruits these days. Bankruptcy is your only option.
This feels like one of those “that will never happen to me” kind of situations but for many it is all too familiar. Some aren’t able to simply move home or in with roommates. Some don’t have family and friends who would be willing to help bail them out.
Another Common Scenario
You made the leap into freelancing! Good for you! You track your earnings and, in spite of your best intentions, everything you earn gets paid right back out toward your rent, utilities and other necessities. And then tax time comes and you find yourself thousands of dollars in debt to your state and the federal government, so you take out a loan to pay that off. The added expense puts more pressure on you to take on more work but that is slow going (this isn’t your fault, all freelancers experience ebbs and flows). You rely on your credit too much to make ends meet and soon your credit has been exhausted and your score is tanked. You can’t get a new loan. You can’t break your current lease. What do you do?
Bankruptcy can happen to anybody at any time. It no longer carries the stigma it used to. Don’t be afraid to use this option if you need to. Better a fresh start than a lifetime of running from collectors, right?