Amazon Is Offering Almost Every Verizon Smartphone For A Penny (VZ)


Jeff Bezos

Amazon just began a "penny pincher" smartphone sale on almost all Verizon smartphones, offering even the best Verizon phones for just a penny on two-year contract.

The iPhone is not included, but expensive devices like the HTC Thunderbolt 4G and Samsung Droid Charge 4G are part of the deal.

It appears that if you're a "new customer," even the $299.99 Droid Bionic is just a cent.

The Bionic is the only one of the smartphones that's $0.01 only if you're a new customer. The rest are available for $0.01 as an upgrade for current customers, or for new customers.

If you're in the market for a Verizon smartphone but don't have two hundred dollars to spend on a top of the line model, now's the time to buy.

Amazon is including free two-day shipping if you purchase one of the phones.

Head over to Amazon Wireless to check out the deal, which ends October 17th.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/PZt9-9zKi28/amazon-verizon-smartphone-penny-2011-10

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Stop Spending and Making More Debt After Debt Consolidation

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One of the golden rules to managing your money is to use cash whenever possible instead of bank / credit cards as you may find there comes a point in your life where you are swamped with numerous debts that you can't afford to pay. If this sounds like you then don't panic to much as throughout this article we will be discussing steps to help you get out of your debts.

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The Key Theme We're Seeing In Earnings So Far


Corporate profits have likely held up relatively well in this most recent quarter as domestic revenues remain stable, international revenues remain strong and corporations continue to benefit from the massive costs cuts.  The concern, however, is that these trends are increasingly unstable.  I think we’ll see much more caution in terms of corporate outlooks as this earnings season progresses.

It’s been a while since I’ve updated my expectation ratio, but the story is little changed since the last update.  This ratio measures analysts estimates versus a series of corporate metrics that give us an idea of what the market expects compared to reality.  The indicator has notched a 2 year low at 0.79.  This reading is consistent with a corporate profits cycle that is now widely priced into analyst expectations and at risk of excessive optimism from Wall Street’s analysts.  Expect to hear a far more cautious tone over the course of the coming 8 weeks as earnings roll out.  Estimates have come down in recent weeks as the ER predicted, but the risk is that estimates are still too high….

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BlackBerry's Big Blackout: Time to Dump Your RIM Device?

Blackberry's Big Blackout: Time to Dump Your RIM Device?Phone carriers and handset makers got an uncommon opportunity this week to steal customers away from BlackBerry maker Research In Motion (RIMM).

It began on Monday when RIM's network suffered an outage that spanned continents and cut off cellular oxygen for millions of frustrated customers. The three-day blackout spread like a virus as what started in Europe, the Middle East, and Africa on Monday spread to South America by Tuesday before invading the U.S. and Canada yesterday. Backup systems failed to contain what RIM called a hardware error, leading to the cascading outages that left millions without service.

On Thursday, the company said full email and messaging service had been restored worldwide. But it's a little too late for many customers, many of whom went to the company's Facebook page to vent.

Recognizing the severity of the situation, Research In Motion co-CEO Mike Lazaridis took to the Internet Wednesday night to issue an apology to users. "We've let many of you down," he said. "You expect better from us, and I expect better from us."
Of course, if you're really unsatisfied with your BlackBerry experience, Apple (AAPL) and Google (GOOG) are ready, willing, and able to put your call right through.

The Fix Is In -- or Is It?

Ironically, the apology came as Apple was struggling to fulfill download demand for its new iPhone operating system.
Early upgraders reported errors as millions bum-rushed the Mac maker's servers, causing a traffic spike. The issue now appears to be resolved and shares of Apple stock are rising once more.

RIM, by contrast, was down more than 3% as of this writing. The message? "Restored service" isn't the same as "happy customers."

A History of Switching

We've seen this sort of behavior before, when Microsoft (MSFT) released Windows Vista to resounding jeers from early customers. Upgraders stopped upgrading. Others switched to the Mac or alternative systems. And in perhaps the biggest insult of all, Intel (INTC), Mr. Softy's longtime PC partner, said it, too, would wait for a better version of Windows.

Apple profited from the backlash with a series of ads depicting John "I'm a PC" Hodgman offering silly or nonsensical ways to "fix Vista," including this gem in which Hodgman proposes a massive increase in advertising spending instead of pouring new money into repairing the operating system.

We don't yet know if Apple, Android-licensees Samsung and HTC, or Microsoft partner Nokia (NOK) will attempt to similarly profit from RIM's misery. History says it's a good bet, however.

Why You Needn't Wait

At least one carrier is already preparing for a legion of Android and BlackBerry switchers.

Sprint Nextel (S) has confirmed it will offer an unlimited data plan to those who buy the iPhone 4S for its network, hoping to sway those tied to AT&T (T) or Verizon (VZ) -- both of which offer capped data plans -- to switch service. (UPDATE: Sprint has already sold out of pre-orders for the entry-level version of the device.)

Meanwhile, popular trade-in site Gazelle.com recently said that BlackBerry trade-ins are up 49% from normal volume as users prepare to move to the iPhone. Best Buy's (BBY) FlipSwap site puts the trade-in value for the BlackBerry 9700 at $71. The retailer begins fulfilling pre-orders tomorrow.

And those are just the offers we know about. Rising dissatisfaction with RIM's BlackBerry coupled with rising interest in the new features of the iPhone 4S could unleash still more trade-in deals as carriers battle to lock customers into lucrative multi-year iPhone contracts.

Motley Fool contributor Tim Beyers owned shares of Apple and Google at the time of publication. The Motley Fool owns shares of Apple, Microsoft, Intel, Google, and Best Buy. Motley Fool newsletter services have recommended buying shares of Intel, Microsoft, AT&T, Apple, and Google, as well as creating bull call spread positions in Microsoft and Apple and a diagonal call position in Intel.

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Source: http://www.dailyfinance.com/2011/10/13/blackberrys-big-blackout-time-to-dump-your-rim-device/

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Reward and Retain Your Best Team Members

Too many businesses view their relationships with employees as a one-way street. Hire a new team member, train him, sit him in a desk, give him a computer, and check back in at annual review time.

Meanwhile, this new team member comes into work every day, does his job (and then some), works well with everyone else on the team, and meets deadlines. For all that work, he?s given a nice paycheck. And, for that, he?s thankful.

But every once a while, he wishes for a good old ??attaboy? from the boss man. Maybe a handshake, a pat on the back, or a lunch on the house.

But the boss man is too busy to take a few minutes and encourage his team members. Eventually, the job stress and lack of recognition wears on them, and their productivity fizzles. They either burn out and quit or slowly deteriorate into someone who just shows up for a paycheck and halfheartedly does his job.

The key to retaining those team members you work so hard to hire is to simply recognize them for the effort they put in every day. Sure, that paycheck is one big ?thank you.? But, without some type of recognition from management, the team feels like their work goes unnoticed.

The longer a team member has worked for you, the more effort you should put into recognizing them. This goes beyond a simple pat on the back.

At Dave Ramsey's office, new team members agree to a 90-day trial period. If things don't work out between the company and the team member, the parties are free to part ways. As team members work longer at the company, the commitment to each other becomes stronger.

A few years ago, Dave recognized his first hire, Counselor Russ Carroll, by naming the new Financial Peace Conference Center after Russ. You may not be able to name a room after one of your veteran team members, but you can still get creative.

Here are just a few ideas:

  • Give them a trip or vacation.
  • Award them their own designated parking spot.
  • Have a party and make them the guest of honor.
  • Create a plaque for them, and put it on your wall of fame.
  • Purchase a memorable, nice decoration for their office.

The ideas are only limited by your imagination.

But no matter which method you use, it?s always a nice gesture to reward your team members, especially those who have been with you for many years. They will appreciate your grateful attitude. Plus, it will serve as an incentive to newer workers.

Don?t let your workplace environment and productivity deteriorate simply because you failed to say thank you every now and then. Reward your team members, and your business will thank you.

Financially secure employees have a positive outlook on life and perform better at work?saving you thousands of dollars in productivity, absenteeism and retention. Dave Ramsey's CORE Financial Wellness trains your employees to take control of their greatest wealth-building tool: their income.Change the culture of your company by bringing CORE Financial Wellness to your team today.

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Source: http://www.daveramsey.com/article/reward-and-retain-your-best-team-members/lifeandmoney_business

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Why does Obama want to use taxpayers $ to reduce poverty in other countries. What about poverty in USA?

Question by givelove: Why does Obama want to use taxpayers $ to reduce poverty in other countries. What about poverty in USA? http://www.wnd.com/index.php?fa=PAGE.view&;pageId=56405 Sen. Barack Obama, perhaps giving America a preview of priorities he would pursue if elected president, is rejoicing over the Senate committee passage of a plan that could end up costing taxpayers [...]

Source: http://www.legaldebthelponline.com/2011/10/12/why-does-obama-want-to-use-taxpayers-to-reduce-poverty-in-other-countries-what-about-poverty-in-usa/

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Exactly how Credit Card Consolidation Loans Aid Eliminate Debt

Credit Card Consolidation These days, there are few people that don’t fall into temptation when it comes to applying for credit cards and using borrowed money to pay for houses or cars. Moreover, many people require to credit card loans to pay for expensive trips or gadgets, because they feel more comfortable using the money [...]

Source: http://www.legaldebthelponline.com/2011/10/11/exactly-how-credit-card-consolidation-loans-aid-eliminate-debt/

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Yes, the Grassroots Can Make a Difference!

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The Occupy Wall Street protests seemed funny at first. Sure, the Financial District is home to tons of lugubrious crimes against economic regulations and common sense. Many a fat cat behind a corner-office desk surely deserves a long jail term instead of a fatter bonus. The middle classes -- of which I'm a lifelong member -- should be angry about the financial meltdown of 2008, the European banking crisis of today, and a million offenses in between.

But what good could it do to camp out in Zuccotti Park with protest banners and sleeping bags? If the police didn't break up this love-in right away, surely protesters would lose interest before achieving any real change.

But something even funnier happened on the way to Occupy Wall Street's irrelevance: The movement gained both momentum and gravitas.

Never mind Kanye West and Al Sharpton giving some celebrity sheen to the event: The people who actually matter are getting involved as well. New York Mayor Michael Bloomberg has sanctioned its right to exist, and even Ben Bernanke sees merit in the cause. The protest is starting to make a difference. Regular people have found a soapbox for explaining how heartless corporations and self-interested business leaders are hurting Middle America.

Workers with blue and white collars alike are caught in the crossfire when Wells Fargo (NYSE: WFC  ) faces allegations of using mortgage robo-signers, or when Caterpillar (NYSE: CAT  ) slashes 20,000 jobs to meet profit goals, as they've done over the years. Little Lincoln Electric (Nasdaq: LECO  ) has survived a World War and several recessions without layoffs -- why can't the big boys show loyalty like that to their human capital?

Don't forget that millions of Americans with no financial expertise are invested in the market through 401(k) systems and hard-to-explain universal life insurance plans. Swings in the Dow Industrials (INDEX: ^DJI) or S&P 500 (INDEX: ^GSPC) aren't trivial anymore when everybody owns a bit of the SPDR 500 (NYSE: SPY  ) ETF. A little financial education goes a long way, but the big money doesn't seem interested in making it happen.

The rallying signal has become, "We Are the 99 Percent." A vanishingly small minority of ultra-rich Americans are collecting the lion's share of the money from everybody's hard work. Trickle-down economics have turned out to trickle up instead. After a few years under tighter public scrutiny and brighter lights, the banking system is starting to look like a giant Enron-style pyramid scheme.

We Fools have been spreading very similar messages for years. I've never been to New York, but am happy to stand with the Occupants in spirit.

I don't see anybody asking for a free ride -- only for a balanced and just financial system where hard work or intelligent investing stands a chance at making money. Is that too much to ask?

If nothing else, it's never too late to learn how to take care of your own money. Get the hang of investing and personal finance with a totally free education from The Fool's School.

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Source: http://www.fool.com/investing/general/2011/10/12/yes-the-grassroots-can-make-a-difference.aspx

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