Thursday, September 13, 2012

Credit Sesame Adds Social Comparison Tools, Lets You See How Your Debt Compares With People Like You

sesameCredit Sesame, the personal finance service (and TechCrunch Disrupt alum), which provides free credit scores and other information aimed at helping consumers get out of debt, is today launching a new feature that will allow users to compare their financial situations to their peers' and the market in order to see where they stand. Not to worry -- you won't be swapping credit scores with your Facebook BFFs here. Instead, the feature lets users see how they compare with others in their age group, income group, and in the same region, allowing them to compare things like total debt and credit usage.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/FbltAJiZuXA/

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iOS 6 coming soon, here's what's new

7 hrs.

We first heard about iOS 6?during the Worldwide Developers Conference (WWDC) in June, but on Thursday,?Apple's senior vice president of iOS Software Scott Forstall finally shared more details about the latest version of the company's mobile operating system ??and revealed that?we're getting it on Sept. 19.

The new iPhone 5 will ship on Sept. 21 with iOS 6 preloaded, but folks who own an iPhone 3GS, an?iPhone 4, an iPhone 4S, a?fourth-generation iPod Touch, an?iPad 2 or a?third-generation iPad will be able to download the software update for free on Sept. 19.

As we've learned during WWDC, iOS 6 will bring over 200 new features to customers. "We think you?re going to love it," Forstall says.

Siri
Siri's gotten a lot?smarter in iOS 6. She's learned a lot of new languages (Italian, Mandarin,?Cantonese, and more) and become friends with a lot of new services (such as OpenTable, Yelp, Rotten Tomatoes, and others).

The personal assistant can now offer significantly more information when asked about sports, restaurants, movies and more. You can?make restaurant reservations or get movie reviews. Thanks to better support for Twitter,?you can also ask Siri to tweet for you.

It is now also finally possible to launch apps using Siri. Just tell her you want to "play Angry Birds" and see what happens.?

Facebook
The folks at?Apple integrated Facebook into iOS 6 in the same way they integrated Twitter into the last major version of iOS.?There's now a neat "tap to post" option in the Notification Center ?(and there's a "tap to tweet" button as well, of course).

Facebook is deeply integrated into the Calendar app?as well, meaning that Facebook events (and birthdays listed on Facebook) will appear on your device's calendar.

Reply with message or remind me later
If you find yourself in a situation where you're unable to take a call, you can now instruct your iPhone to send a pre-set message to the caller or to remind you to call the person back. This is incredibly handy if you're in a rush and not in the mood to pick up a call just to say "I'm busy. I'll call you back."

Do not disturb
A "do not disturb" feature was added in iOS 6. It means that you can tell your phone that it should silence alerts or incoming calls for a while, so that you can sleep in peace or enjoy a quiet, interruption-free evening with someone special.

This do not disturb feature allows for a lot of fine-tuning, meaning that you can make sure that people in your "favorites" list or contacts will always ring through or that your phone should ring if someone calls twice within three minutes.

FaceTime
FaceTime now works over 3G, not just over Wi-Fi. And you don't have to worry about whether you're selecting someone's phone number or Apple ID when placing a FaceTime call?? because the two are?now united.

Photo?Stream
You can now easily share your Photo Streams with friends or family. All you have to do is choose a photo and an album to share ? your pals will receive a notification and the photos will appear in an album where they can comment.

Mail
The Mail app got some nice new tweaks. The VIPs feature will allow you to mark individuals as important, so that their emails will be starred and appear in a "flagged" mailbox. You can adjust alert settings for VIPs separately as well.

Oh, and it's now even simpler to add photos or videos into emails and?the inbox can be refreshed with a pull. Not bad!

Passbook
A?new app called Passbook allows you to collect and store boarding passes, discount cards, movie tickets, and all the things you'd normally have to print out and scan once you arrive at a business.?

Thanks to location support, the app will even pull up the relevant card once you are near the place where you'd use it. (This means that if you're near a Starbucks, Passbook would pull up your Starbucks card automatically, if you're at an airport, Passbook would pull up your boarding pass automatically, and so on.)?

As a bonus, the?cards in Passbook are live-updating, meaning that your boarding pass will always have the latest boarding information.

Guided access
Apple's adding something called guided access to iOS 6. This tool?will allow you to disable certain controls in order to make your device a bit more kid-friendly.

Maps
As confirmed in June, Apple's ditching Google Maps in iOS 6. It will use its own mapping solution now. There's Yelp integration, traffic information (with real-time crowd-sourced data), automatically re-adjusting routes, and the ability for Siri to answer the age-old "are we there yet?"

Apple's also adding something called "Flyover" to Maps. This feature makes the whole world look a bit like a Sim City game by showing 3-D models of geographical features and buildings.

The best part though, is the fact that there are now turn-by-turn directions in Maps. Siri is?now able to guide you to and from places. Downside is that there appear to be no public transportation directions in iOS 6, based on rumors.

Lost mode
The Find My iPhone feature now includes something called "lost mode." This mode will allow you to send a phone number to a missing device in order to allow whoever found it to call you. (This is, of course, assuming that someone is interested in tracking you down and returning your beloved iDevice.)

Safari
Safari now has iCloud tabs?? which allow for browsing sessions to be synced across your devices?? as well as an offline reading list. You'll now also be able to upload photos right from Safari to your favorite websites. Talk about time saving!

What else?
It's tough to cover all 200 of the new features found in iOS 6, but let's just say that there are plenty more little tweaks and gems to be found in the new mobile operating system. We'll give you a more thorough rundown soon.

Want more tech news?or interesting?links? You'll get plenty of both if you keep up with Rosa Golijan, the writer of this post, by following her on?Twitter, subscribing to her?Facebook?posts,?or circling her?on?Google+.

Source: http://www.nbcnews.com/technology/gadgetbox/ios-6-coming-soon-heres-whats-new-986728

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Video: Accountant sets record for largest shoe collection

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Source: http://www.msnbc.msn.com/id/21134540/vp/49008428#49008428

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Sunday, September 9, 2012

Arranca Internet, Business / Investing

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    Facebook is Monetizing Data, Can You? Secrets of Successful Startups

    Facebook is Monetizing Data, Can You? Secrets of Successful Startups

    Yipit.com started as an aggregator of web coupons. But a key part of the business today is collecting and selling data on the daily deal industry. Co-founder Jim Moran tells Laurel Touby and Jennifer Hill how Yipit profits from this data.
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    Any pullback in Singapore property stocks on the new rules limiting "shoebox" residential units offers a good entry window, Credit Suisse says. It says it expected the measures, but they may have been a surprise to some. ?Although the measures are considered mild, and that some policy overhang has been factored in, given where valuations are (for some developers), we believe property stocks may ...

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    Foreign interest is returning to the Singapore housing market after a brief slump, reinforcing Singapore?s status as a prime business location, says Singapore incorporation specialist Rikvin.http://www.rikvin.com/press-releases/singapore-property-foreign/Singapore (PRWEB) September 03, 2012 The Singapore housing market is attracting a new surge of foreign interest, following a brief decline ...

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Friday, September 7, 2012

Obtaining noticed on the internet ? Digital Advertising and marketing ...

The net has grown from a tiny network of academics needing an approach to trade investigation into a world-spanning, ubiquitous marketplace and repository for practically every achievable type of details and knowledge. How does a modest company keep away from being washed away within the continual tide of acquiring, promoting and marketers hawking every conceivable item (and some challenging to conceive?)?

The web offers benefits for both customer and proprietor in that one can search for just what is desired, with no the bother of endless telephone calls, driving to malls, or poring over mail-order catalogs. A fast keyword or 3, and hundreds of outcomes vie for focus on the screen. Making certain your company is among these results near the best is a combination of aspects: specificity in item offerings, Search engine optimization of internet content and linking to and from connected topics and websites.

The only strategy to get noticed on the net would be to have a listing or presence, whether or not a dedicated website, advertisements on relevant websites, or by word-of-mouth. Oftentimes ads on on the internet journals, informative web sites, or e-zines (online magazines) are less expensive than space within a print publication, at the same time as getting offered to a wider audience than a dedicated site could possibly be. Rates are usually offered for every day, weekly, or monthly terms, increasing flexibility and enabling a tight price range much more leeway. Word-of-mouth marketing might be very low cost, however the returns could be tough to quantify. Sponsoring internet shows including podcasts or webcasts can be a fantastic and inexpensive way to gain word-of-mouth exposure. Numerous occasions, a podcaster is going to be so thrilled to obtain sponsorship that rates could be negotiated for very small, but make sure to strategy a podcaster which has a show associated somehow for your enterprise. Do not overlook resources like Google?s Adwords either, as they could be slightly pricier than equivalent choices like banner advertisements, but they are shown to be far far more powerful than pop-ups, banners, or pay-per-click ads as a result of their specific targeting.

When a prospective customer decides to look up an item that you simply sell, is he or she going to locate your web site or listing? Getting certain in the terms utilised in your site or listing is key, as keywords are what drive the search engines like google like Google and Yahoo. In case your firm sells shoes, it?s not enough to place the word ?shoes? in your site?it has to be anticipatory to the searches that prospective buyers are performing. Most clients have an idea of what they may be seeking for when carrying out a search, so as opposed to ?shoes,? a buyer will search for ?imported Italian leather shoes.? Certain focusing of terminology and item listings are involved in Seo (Seo), as Search engine optimization is driven by certain search phrases and their repetition or place on a page. In the event the term ?Italian Leather Shoes? is employed 15 times on a site, it?ll pop up higher on the rating listings than one particular with all the same words, but only as a page heading or title. It will be straightforward to go overboard on this if it had been the only criteria, but it is only among a lot of distinct strategies search engines use to list websites by relevance. Our post on Search engine optimization, situated here, is really a wonderful reference to optimizing your site for maximum Search Engine Efficiency.

Using a clear thought of where you wish to go with Web marketing, it could be an useful tool to expand your business in to the digital realm, but be cautious not to go overboard, as all advertising and marketing ultimately crosses into the zone of restricted return. Buyers are seeking for what they want?it?s up to you to ensure they run into you, and the only way they will is for you personally to make certain your company is at the places they are going to go.

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"Junk" DNA Holds Clues to Common Diseases

When the draft of the human genome was published?in 2000, researchers thought that they had obtained the secret decoder ring for the human body. Armed with the code of 3 billion basepairs of As, Ts, Cs and Gs and the 21,000 protein-coding genes, they hoped to be able to find the genetic scaffolds of life?both in sickness and in health.

But in the 12 years since then, very few diseases?almost all of them very rare?have been linked definitively to changes in the genes themselves. And large, genome-wide studies searching for genetic underpinnings for more common diseases, such as lung cancer or autism, have pointed to the nether regions of the genome between the protein-producing genes?areas that were often thought to contain ?junk? DNA that was not part of the pantheon of known genes.

An international consortium of hundreds of scientists has now deciphered a large portion of the strange language of this junk DNA and found it to be not junk at all. Rather it contains important signals for regulating our genes, determining disease risk, height and many of the other complex aspects of human biology that make each one of us different. The findings are described in 30 linked papers published online September 5 in Nature?and other journals and described at the consortium's Web site. (Scientific American?is part of Nature Publishing Group.)?

Called the Encyclopedia of DNA Elements (ENCODE), the group is focused on understanding not just the elements of the genome but also how they work together. "The complexity of our biology resides not in the number of our genes but in the regulatory switches," Eric Green, director of the National Human Genome Research Institute and collaborator on the ENCODE project, said in a press briefing September 5. Through more than 1,600 separate experiments, analysis of more than 140 cell types and a massive amount of data analysis, the group found about 4 million of these so-called switches and can now assign functions to more than 80 percent of the entire genome. Compare that to the roughly 2 percent of the genome that is responsible for the protein-coding genes that researchers have been relying on to look for diseases and traits. "The genome project was about establishing the set of letters that make up the blueprint," Green said. "When we finally put that blueprint together, we realized we could only really understand very little of it."

These newly catalogued switches not only activate and de-activate genes, but also control how much of each protein gets made and when. They are involved in epigenetic changes, such as DNA methylation, which has been implicated in cardiovascular disease and other conditions. The new data promise to improve our understanding of many common diseases that might have similar genetic underpinnings. Genome-wide association studies (GWAS) have continuously come up short in identifying specific genes for common diseases, John Stamatoyannopoulos, associate professor of genome sciences at the University of Washington School of Medicine and ENCODE collaborator, said in the briefing. "Frustratingly, about 95 percent of information from these studies has been pointing to regions of the genome that do not make proteins," he said. But, now with the ENCODE data, they can begin to decipher what genetic switches and functions might be common within and among these diseases. "We're now exploring previously hidden connections between diseases that may explain similar clinical [symptoms]," he noted.

It will most likely be some time before these new findings, which are freely available, are put to use in approved therapies. "The pharmaceutical industry has largely given up on the genome," Stamatoyannopoulos said. "And I think this is going to tremendously reinvigorate the utility of the genome." These additional genetic elements, however, are already in use for screening and testing for diseases such as breast cancer, prostate cancer and autoimmune diseases, Richard Myers, president of HudsonAlpha Institute for Biotechnology in Ala., noted in the briefing.

The group has funding to continue their efforts and does not anticipate a slowdown in discoveries going forward. "Our blueprint is remarkably complicated, and we need to be committed for the long haul to understand it," Green said. Compared with the publication of draft human genome 12 years ago?and with initial findings from the ENCODE project published over the past several years?"the questions that we can now ask are more sophisticated," Green said. And hopefully, those better questions will lead to more satisfying and medically useful answers.

Follow Scientific American on Twitter @SciAm and @SciamBlogs. Visit ScientificAmerican.com for the latest in science, health and technology news.
? 2012 ScientificAmerican.com. All rights reserved.

Source: http://news.yahoo.com/junk-dna-holds-clues-common-diseases-203000860.html

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HTC eyes sales boost for Windows phones

NEW YORK | Thu Sep 6, 2012 7:18pm EDT

NEW YORK (Reuters) - HTC Corp has high hopes that Microsoft Corp software will boost its smartphone sales due to a strong new design and support from wireless service providers, according to Jason Mackenzie, HTC's president of sales and marketing.

Taiwan's HTC, which derives most of its revenue from phones based on Google Inc' Android software, is currently facing a sharp sales decline as it struggles to compete with iPhone maker Apple Inc and Android rivals such as Samsung Electronics.

HTC will face a stiff battle with smartphone makers Samsung and Nokia Oyj, Microsoft's main handset partner, in the market for phones using Microsoft Windows Phone 8 software.

But Mackenzie said on Thursday that HTC Windows devices will stand up well against its bigger rivals. Nokia did not name any wireless service provider partners when it unveiled its flagship Windows device at a New York event on Wednesday nor did it even give any general indication of operator support.

In comparison Mackenzie said his company has firm commitments from operators to sell its Windows Phone 8 devices.

"I feel very strongly we've got very concrete carrier support in every region around the world including the United States and I'm not talking about just one carrier," the executive told Reuters. "Our plan is to go big on Windows 8."

Mackenzie declined to give specifics on where and when the phone would be sold.

But he did promise that Taipei-based HTC would come out with "a unique (industrial design) language for Windows phones, a language that can be held up by Microsoft as a flagship."

In comparison, he said, other Windows phones makers who also produce Android devices "haven't typically given their A plus designs to Windows phones."

"They've been designating those to Android," he said.

While Android phones generate the bulk of HTC's revenue today, Mackenzie said it would like to see "a more balanced portfolio" in terms of Android and Windows revenue.

"That wouldn't mean we'd want to dial back on Android," he said. "We want to grow Android and grow Windows at the same time."

However, this could be a tough job. While HTC's One-branded Android phones unveiled earlier this year have been enjoying good reviews by analysts and tech blogs, this has not been reflected in its sales.

After its profit fell by more than half in the second quarter, HTC on Aug 3 forecast a third-quarter revenue decline of as much as 23 percent, which was much worse than analysts had feared.

Earlier on Thursday HTC said its August sales were weaker than its July sales.

But Mackenzie said that he sees HTC's current problems as "temporary" and that he hopes to turn the company's fortunes around with better marketing of its brand and its devices.

"We have to get more efficient with the dollars that we're spending and turn every dollar into five," he said, while promising to use social media and online advertising to greater effect in its marketing. "It's about being more bold."

(Editing by Steve Orlofsky)

Source: http://feeds.reuters.com/~r/reuters/businessNews/~3/0OB2sV15ysQ/us-htc-microsoft-idUSBRE8851DZ20120906

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