An Apple Insider's Look At iPhone Apps To Watch in 2012


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The next generation of apps will not be an afterthought that comes after a company's Web site.

They will be the main product  -- and they will know a lot about you, says a source close to Apple.

Your phone will let your mom see photos of you and your friends at a party, it will let you buy gifts, it will automatically know where you are even if you don't -- and it will let your friends know you slept well last night.

It may seem like too much information, and even a bit creepy -- but that's the future of apps, according to our source.

Out of the 500,000 apps in the App Store, our person says to keep a close eye on these ones:

  • Path is an intimate social mobile app, a live journal if you will.
  • Giftly allows you to make gift cards for businesses that are on Yelp.
  • Envizio is developing electronic wallets to deliver more just electronic payments -- offering coupons and loyalty programs to your phone.
  • Oink is a niche social network that lets you rate the things you love.
  • Airtime will offer video chat like Chatroulette (without the obvious problems). Sean Parker of Facebook fame behind this app. The still-in-stealth social network is all about helping you meet new people. Coming soon...

Our source also mentioned Twilio, which isn't an app, but it has built an ecosystem that lets developers build SMS text messaging and voice chat into apps. And now, it's going international.

 

 

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Source: http://feedproxy.google.com/~r/businessinsider/~3/7_BH9EjXJfE/apps-that-indicate-whats-to-come-in-2012-2011-12

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November Personal Income And Spending Climb, But Come Short Of Expectations


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November personal income was up 0.1%.  Economists were expecting an increase of 0.2%

Personal spending was up 0.1%. Economists were expecting an increase of 0.3%.

From the press release:

Personal income increased $8.5 billion, or 0.1 percent, and disposable personal income (DPI) decreased $5.0 billion, or less than 0.1 percent, in November, according to the Bureau of Economic Analysis.  Personal consumption expenditures (PCE) increased $13.1 billion, or 0.1 percent in November. In October, personal income increased $47.2 billion, or 0.4 percent, DPI increased $27.2 billion, or 0.2 percent, and PCE increased $11.3 billion, or 0.1 percent, based on revised estimates.

Real disposable income decreased less than 0.1 percent in November, in contrast to an increase of 0.3 percent in October.  Real PCE increased 0.2 percent in November, the same increase as in October.
...
Wages and salaries

Private wage and salary disbursements decreased $7.1 billion in November, in contrast to an increase of $37.2 billion in October.  Goods-producing industries' payrolls decreased $6.7 billion, in contrast to an increase of $8.6 billion; manufacturing payrolls decreased $6.9 billion, in contrast to an increase of $6.8 billion.  Services-producing industries' payrolls decreased $0.3 billion, in contrast to an increase of $28.5 billion.  Government wage and salary disbursements increased $0.1 billion in
November, the same increase as in October.

Other personal income

Supplements to wages and salaries increased $1.1 billion in November, compared with an increase of $4.4 billion in October.

Proprietors' income decreased $3.5 billion in November, compared with a decrease of $2.5 billion in October. Farm proprietors' income decreased $4.2 billion, compared with a decrease of $4.3 billion.  Nonfarm proprietors' income increased $0.9 billion, compared with an increase of $1.7 billion.

Rental income of persons increased $8.9 billion in November, compared with an increase of $8.5 billion in October.  Personal income receipts on assets (personal interest income plus personal dividend income) increased $6.4 billion, compared with an increase of $9.3 billion.  Personal current transfer receipts increased $1.6 billion, in contrast to a decrease of $4.9 billion.

Contributions for government social insurance -- a subtraction in calculating personal income -- decreased $1.0 billion in November, in contrast to an increase of $5.0 billion in October.

Personal current taxes and disposable personal income

Personal current taxes increased $13.6 billion in November, compared with an increase of $19.9 billion in October. Disposable personal income (DPI) -- personal income less personal current taxes -- decreased  $5.0 billion, or less than 0.1 percent, in November, in contrast to an increase of $27.2 billion, or 0.2 percent in October.

Personal outlays and personal saving

Personal outlays -- PCE, personal interest payments, and personal current transfer payments -- increased $13.1 billion in November, compared with an increase of $11.4 billion in October.  PCE increased $13.1 billion, compared with an increase of $11.3 billion.

Personal saving -- DPI less personal outlays -- was $400.9 billion in November, compared with $419.1 billion in October.  The personal saving rate -- personal saving as a percentage of disposable income -- was 3.5 percent in November, compared with 3.6 percent in October.  For a comparison of personal saving in BEA’s national income and product accounts with personal saving in the Federal Reserve Board’s flow of funds accounts and data on changes in net worth, go to http://www.bea.gov/national/nipaweb/Nipa-Frb.asp.

Real DPI, real PCE and price index

Real DPI -- DPI adjusted to remove price changes -- decreased less than 0.1 percent in November, in contrast to an increase of 0.3 percent in October.

Real PCE -- PCE adjusted to remove price changes -- increased 0.2 percent in November, the same increase as in October.  Purchases of durable goods increased 1.1 percent in November, compared with an increase of 1.3 percent in October.  Purchases of nondurable goods decreased 0.1 percent, in contrast to an increase of 0.2 percent. Purchases of services increased 0.1 percent, in contrast to a decrease of less than 0.1 percent.

PCE price index -- The price index for PCE decreased less than 0.1 percent in November, compared with a decrease of 0.1 percent in October.  The PCE price index, excluding food and energy, increased 0.1 percent in November, the same increase as in October.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/o2Di3y1O-z8/income-spending-2011-12

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Morgan Stanley Cutting Jobs, Stock Going To $21

The proposed job cuts would potentially save the investment bank more than $90 million a quarter in costs. This works out to annual savings of about $360 million.

Source: http://www.forbes.com/sites/greatspeculations/2011/12/22/morgan-stanley-cutting-jobs-stock-going-to-21/

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Common Online Application for the loan Concerns That People Have

Getting a loan nowadays is significantly easier since you can submit an application for one online. There are a lots of lending companies that are offering several types of loan online, which you can accessibility. However, like any other lending products, people often have different concerns on the subject of getting a loan. Here are [...]

Source: http://www.legaldebthelponline.com/2011/12/21/common-online-application-for-the-loan-concerns-that-people-have/

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You'll Never Guess What The Girl From 'The Blair Witch Project' Is Doing Now


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Remember Heather Donahue?

Probably not.

After her starring role in 1999's "The Blair Witch Project," her acting career didn't exactly take off.

How did she cope?

She became a marijuana grower!

As the Daily News reports, Donahue first discovered medical marijuana after a prescription to treat her PMS in 2007.

She reveals in her new book, "Growgirl: How My Life After 'The Blair Witch Project' Went to Pot," that she began to grow marijuana after meeting a man who lived in a "pot-growing community in Northern California."

Donahue became "a solitary country girl" quietly growing and selling medical marijuana but has since quit after deciding to write her book.

What about the acting? Daily News reports:

"I took all my stuff into the desert related to my acting career and burned it all," she told the Philadelphia Inquirer.

Okay then.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/omM40LvsHzk/heather-donahue-blair-witch-project-is-doing-now-2011-12

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Even A Jedi Can?t Keep EA Stock Above $21 On Gaming Battlefield

Star Wars: The Old Republic marks EA?s first big aim into MMORPG space, an area heavily dominated by Blizzard with its World of Warcraft franchise. SWTOR holds immense importance to EA and can be reflected by the fact that the game development alone has costed EA $135 million, which makes it the costliest game to date.

Source: http://www.forbes.com/sites/greatspeculations/2011/12/21/even-a-jedi-cant-keep-ea-stock-above-21-on-gaming-battlefield/

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Debt Consolidation What You Need To Know

Defaults on debts are getting higher charges at present. These can trigger serious problems for the debt holder and to the economy. The procedure is that the defaulters of credit card debt are being reported in order to credit bureaus and then the credit agency will make some actions to cover the remaining credit card [...]

Source: http://www.legaldebthelponline.com/2011/12/21/debt-consolidation-what-you-need-to-know/

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