Apple's iPhone 5 Could Launch Worldwide on Oct 21

The word within the world of technology is that an October release for Apple's eagerly awaited iPhone handset is now almost certain, after continued silence from the company about when the handset will appear.

A screenshot submitted to American technology blog This Is My Next seems to confirm the day might well be October 21. The screenshot, sent to American blogger Chris Ziegler by an anonymous employee of the Best Buy electronics chain, which recently launched stores in the UK, shows an email sent to American Best Buy employees regarding an upcoming Apple launch.

It requests that a manager be present at 6am on October 21 to install a 'large Apple fixture' on the big screens in the American electronics store. The tantalising aspect to this detail is that 6am is the time at which Apple requested managers attend for the launch of iPhone 4 last year - also to install screens.

The Best Buy employee also revealed that an event was scheduled for October 10 for managers to discuss upcoming 'big releases' - which would fit with an iPhone 5 launch a fortnight later. Last year's iPhone 4 launch saw the device released in the UK and the US simultaneously, with other countries following rapidly afterwards.

Best Smartphone for Business

While most professionals know about the BlackBerry, the business phone that deserves more attention and runs on a familiar Microsoft platform is the Dell Venue Pro. This enterprise-focused smartphone, which is available for T-Mobile and AT&T subscribers, is an elegant-looking device with its 4.1-inch AMOLED display and slide-out keyboard. With sizable buttons and pronounced tactile feedback, the Dell Venue Pro is great for typing emails and taking extensive notes on the fly.

The phone’s Windows Phone 7 software may not be the most exciting mobile operating system, but it is arguably the most reliable. Further, if you or your business already run Windows products like Microsoft Office, the WP7 platform offers the most seamless integration. The Dell Venue Pro is currently the best device available on that platform, which also has its share of fun and games. When you're waiting for a flight at the airport or killing time between meetings, the Dell Venue Pro offers thousands of apps and even Xbox Live integration.

Of course, there is no denying that the BlackBerry is a top-dog for many business-focused smartphone users. With its robust operating system, advanced messaging capabilities, efficient keyboard and no-nonsense approach, manufacturer Research In Motion still has a strong grip on the corporate market. Another important benefit of BlackBerry smartphones is that they are available to customers of all major carriers including Sprint, AT&T, T-Mobile and Verizon.

Increasingly, business users are also embracing iPhones and select Android devices. Just make sure to get the green light from your company’s technology managers before making the purchase.

Is It Safe to Bank Online?

Bank Online is one transaction that many could not resist as it offers many benefits nowadays, but is it safe to do this type of transaction? Here are 10 steps consumers to take to make sure their information is safe:

1. Don't talk to cyber-strangers, and don't click on hyperlinks within emails from strangers. "That's the easiest way to download malware to your computer," says McNelley.

2. Treat your smartphone like the computer it is. Downloaded apps can contain malicious codes, warns McNelley. "You have no idea who created that app, and very little code-checking goes on," she says.

3. Treat social networks like dark street corners. You never know who's lurking among your friends and acquaintances. Hackers have targeted Gmail, Facebook, and LinkedIn, and users of those sites should be especially wary of clicking on embedded links, even those "recommended" by friends.

4. Use the Net to your own advantage. If you bank online, you don't have to wait until the end of the month to check your statement. You can log in anytime and make sure nothing is amiss. An errant charge is often one of the first signs of identity theft, so check statements carefully and alert your bank immediately of any problems.

5. Get free help. Many credit card issuers offer free and automatic identify-theft protection to customers. (That's one advantage credit cards have over debit cards.) If you see erroneous charges on your statement, call your credit card company, which should investigate on your behalf.

6. Think of a new word. Consumers are tasked with remembering dozens of passwords for various retailers, banks, and accounts, making it almost impossible to remember them all, especially since they often include mixes of numbers and letters.
7. Never, ever give your Social Security number to anyone online. If a site asks for it during the checkout process, it's probably a scam site.

8. Shred or safely store financial mail. Bank statements, investment documents, and other financial paperwork can give thieves clues about account numbers, Social Security numbers, and other personal information.

9. Fight back quickly. If you are hacked, step one is calling your bank, says McNelley. That's because banks have sophisticated systems in place that can immediately begin closely monitoring your account for signs of identity theft.

10. Trust your gut. "You often hear, after consumers used an ATM with a skimming device, they had a bad feeling about it. If you do have that feeling, listen to it," says McNelley, and remove yourself from the situation.

Taking these simple steps is like remembering to lock your door at night, or turn on your alarm system. Says McNelley, "Bad guys go for the house that's unprotected. If you take the basic measures, then generally you have less risk about getting compromised."

Why Happiness Begins All over Again at 50

For those aged in their 30s and 40s feeling down in the dump, don’t worry - happiness is just around the corner. Economists have found that despite a mid-life dip, people start to feel more content with their life after the age of 50.

The ‘U-shaped’ happiness curve shows that being satisfied with life starts to fall while in the early 20s and does not improve until after 50, where it goes on to rise higher than before.

But despite those who are aged 65 or over generally believing it is nicer to be 25, they are happier than when they were at that age. The study has taken happiness survey answers from Britain, Switzerland and Germany and applied the findings to people’s life cycle.

Scientists have no explanation for the sudden rise after 50, but believe you are happier when you get older as you assume more wisdom and adapt to life aspirations. However, the middle-aged dip in happiness was also compared to that of losing a close relative or suddenly becoming unemployed.

The report by Bert Van Landeghem, which is being presented at the Royal Economic Society’s annual conference, concluded: ‘A U-shaped happiness curve does not necessarily imply that a 65 year old prefers his own life to the life of a 25-year-old.

Why Sleep is The Key to Success

It is one of our most basic functions, as important as the in and out of our breath. Our need for sleep is primal, yet the pace of life means it's often pushed to the periphery, sacrificed at the altar of work, friends, study and fun.

But now science is beginning to show that getting the right amount of sleep might be the key to making the rest of our lives run more smoothly.

Increasingly, research is indicating that the quality and quantity of our sleep affects every part of our lives, from success in work and school to our likelihood of developing problems such as obesity or mental illness.

Writing in the journal Frontiers in Neurology last year, American researchers highlighted the growing body of research confirming that students who have insomnia, inadequate sleep, daytime sleepiness, irregular sleep patterns or poor sleep quality do not perform as well in school as others.

Many sleep researchers now advocate the introduction of staggered start times for older high-school students - one of the most under-slept groups in society after shift workers.

But the most cutting edge of sleep research is beginning to show it seems also to be linked to mental illness.

Nicholas Glozier is at the forefront of such research in his work as a professor of psychiatry and sleep research at the Brain and Mind Research Institute at the University of Sydney.

Thai Airline Recruits Transsexual Flight Attendants

A break through is made by the president of the first Thai airline. This airline is to hire transsexuals as flight attendants. It was said on yesterday, furthermore he said the airline will become "pioneer" and predicted other carriers would follow his lead.

Fledgling airline PC Air has already recruited six crew of the "third sex" and boss Peter Chan said recruitment, driven by a belief in equal rights, would continue.

"I think these people can have many careers, not just in the entertainment business, and many of them have a dream to be an air hostess. I just made their dream come true," he said.

Thailand has one of the largest transsexual populations in the world and its surgeons have pioneered ever cheaper and quicker sex change techniques for those opting to go under the scalpel. But the airline does not require applicants to have gone through a surgical procedure, merely that they meet job criteria, including language skills and good service

Here's What You Do to Stop Shopping

You don't have the willpower even you need to stop shopping. There are plenty of ways to still get everything you want without opening your wallet. Here are just few of them:

Borrowing, bartering, and taking stuff others want to unload are age-old strategies for getting what you need without spending any money. Luckily, there are a growing number of new twists on these old standbys.

Staying away from the mall is a great way to save money, gas, the resources needed for making new products from scratch, and space in the landfill.

Log onto Freecycle and other reuse groups, or search the "free stuff" category on Craigslist to find things your neighbors are giving away is just another thing you can do to stop shopping.

Six Moves That Help You Save Money

While everyone manages his money differently, there's value in trying strategies that have been successful for other people.

Here are some moves that helped many:

Trash Your TV

The average American watches more than 30 hours of TV a week. Getting rid of my TV helped me find the time to become a freelance writer. The same idea applies to video games and Web surfing.

There are also the upfront costs for the TV itself, cable service and all the extras. The financial impact of TV can be significant.

Get Organized

I had far too much junk in my house a few years back. The closets and storage areas were full of stuff I hadn't used for years. I needed more space and buying a bigger house wasn't an option.

I made a simple rule: For every new item I bought, five had to go. Eventually, I lowered the number to two. Some went to charity or in the trash. I sold others on eBay and Craigslist. In the process, I became more selective about my purchases and made a decent amount of money selling stuff I didn't need.

Start a Part-Time Business

Many people aspire to be part of a profession that's outside of their current field. For most people, the only way to get that job is to create it yourself. I started writing on the side while working full-time in a different job. Eventually, my writing became the primary source of my income. If there's something you enjoy doing that could be turned into a business, there's no harm in giving it a try.

Anticipate Big Purchases

Saving used to be a struggle for me, particularly for large items, such as washers and dryers. I used them without thinking that one day I would need to replace them if they broke down.

To solve the problem, I started setting aside a little bit of money each time I washed a load of clothes, like you would in a laundromat. This tactic ensures that I have money when it's time to replace these appliances. It has also encouraged me to wash my clothes less because I'm paying each time I use the machines.

Take a Tax Class

When I first got out of college, I tried to do my taxes myself. Dealing with income forms from three states proved too frustrating, so I went to an expert. A friend suggested I take a basic tax class to get a better handle on my filings. It was one of the best decisions I ever made. I've done my own taxes since then. I save more just by knowing the deductions and credits for which I'm eligible.

Drop a Habit

It's not just bad habits, like smoking, that cost you a ton of money; everyday expenses that seem marginal can also cut into your budget. For example, I was able to wean myself off soda and sports drinks, a habit that cost $1,000 a year. Drinking tap water has been good for my wallet and my health.

Seven Lifestyles that Change Spending Habits

If you earn a thousand dollars per month, you should map out all the necessary expenses you will have to incur during the month such as payment for your house, food and transportation. What remains after you deduct your total expenses from your income is your savings. What you do with your savings will make a difference later on, when the need arises.

Here are seven ways that you can use to change your daily lifestyle for more positive spending habits to achieve your saving objectives:

• Maintain a logbook. A log book is the place where you can list your income and expense account on a weekly or monthly schedule.
  
• Do more walking than driving. If you can reach your destination within ten minutes by car, consider leaving the car behind and walk instead. Or, use a bicycle if the destination is within 30 minutes by car. This helps promote blood circulation in your body and also reduces environmental pollution. Both alternatives offer savings on gasoline and parking fees.
  
• Bring your own coffee to office. If you drop by a Starbucks or other coffee outlets, you may end up spending a few dollars or more on a cup of coffee. You can potentially save many dollars each week just by making your own coffee at home and bringing it to your work place in a thermos.
  
• If you are a smoker, start reducing the number of cigarettes you smoke each day. Over time, you may be able to quit smoking completely. Besides saving money by not buying any more cigarettes, your health will also improve and this means a huge saving in your medical bills.
  
• Dine at home more frequently. You can experiment with different recipes and save some money at the same time. In addition, you are honing your cooking skills and this could be very useful for the home dining experience.
  
• If you are an avid reader, use the public library whenever possible. There is no need to buy the latest books from bookstores like Borders unless it is in a category that does not fit into a public library. The public library will usually acquire popular titles after some times.
  
• Have you ever noticed how much time you spend sitting in front of the television? The longer you sit, the worse it is for your blood circulation. Besides, the time you free up can be used for more useful tasks such as teaching your kids or learning a new skill.

The abovementioned "simple routines" are a good start for changing unhealthy spending habits. However, you should continue to incorporate more new habits that contribute to the building of your retirement fund. With a bigger savings, you can get the services of a financial adviser who can give you higher-yielding investment options for your investments so that they can help you move closer to your retirement goals.

Get All Benefits of Debt Consolidation Step

Do you suffer from a job loss or uncovered medical bills? Or, you have large credit card debt because its interest rates are rising? If so, you are a candidate for debt consolidation help. But, the big question is how to find the best debt company on your local area?

Finding debt companies online for free advice help is relatively easy to do over the internet. You using a good search engine will bring pages of companies that specialize in this area and provide debt free online sign-up program. Online searching also will help you to find articles and resources, which will help understanding about debt consolidation process.

Free debt consolidation advice can help you in various ways. In addition to saving you from the trap of bankruptcy, such free advice will assist you to enjoy a healthy credit rating again. As a debtor, you certainly will need some knowledge to deal with your creditors or debt companies. Debt consolidation help will comprise not only representing you to them but also choose out a suitable financial plan for you.
Once you decide to seek free debt consolidation advice, you will get a number of options to choose from. Some companies will offer you advice without charging any money, but you may have to pay a few dollars if you seek assistance other than advice. You can begin your search for debt free from mydebtconsolidationadvice.com. You will find here, a lot of advice for free.

Free debt consolidation advice will give you the much needed confidence so that you can carry on negotiations with your creditors on your own. Over and above solving your debt problems, free debt consolidation advice will also help you to formulate a plan for your spending and lifestyle minimizing the possibilities of any further debt troubles in the future. Becoming debt free is not a dream anymore. You just take 5 minutes online sign-up on this great site.

Easy Way to Get Your Business Loans

To start your own business is one exciting experience, from planning for each step of your business until the financing issue. Ezunsecured.com is one site people seek help for financing issue from getting business loans for your new business, or expand your existing business, to add your working capital, debt consolidation, almost everything to help you on your cash flow and financial issue.

Business loan is one of the experts of this site, and many have find great assistances from this site’s experts to match them with lenders. They specialize on unsecured business financing with the following features no collateral, no tax returns, no business plan, no UCC filing, no headaches, low interest and many other variables which make their consumers keep returning asking for their professional assistance, now is your turn to get your financing help.

For more info you can visit www.ezunsecured.com, this site is worth to consider as they offer easy way to get your business loans.

Get help to consolidate debt

It’s become trend and lifestyle to have more than 1 credit card, to apply for more loans, to fit your needs, this is a healthy step when you can take control over these credit facilities.

Sometime, things turn not to be as expected, you can not over come your credit cards bills and loans installments problems, do not wait, the sooner you start to get professional advise, the sooner you can be troubles free. One important issue to consider is the place you go to get help on your debt issue; some will even get into more troubles by visiting the wrong providers!

Nodebttoday.com established since 1997 is one site you have to consider. This free consultation service site is designated to assist you to get back all your financial freedom! This internet’s most trusted, free consolidation website has released so many people to get over their debt problems, you are not directly facing, and dealing with the creditors, the professional from this site will take over all headaches you might face when you directly deal with them.

No matter what type of services you need, whether to consolidate many credit cards, or consolidate debt out of many type of loans, or other related services such as filling tax relief or repair credit rating, its right here to start. Now is your turn to gain back your financial freedom, visit Nodebttoday.com!

Get your credit rating back on the right track

Credit rating is always an important variable to consider when we talk about getting approval on loans, credit cards, mortgage, etc. If possible, we all want to keep a good track, but sometime some people have to face a situation where they can no longer maintain this good record.

To accommodate the need because of the fast growing numbers of bad credit rating people, website that provides information and source to assist this group are growing significantly. Only few really can be great resources, one of the few is www.bedcreditoffers.com.

“To provide consumers with the knowledge and resources necessary to help them find the best credit offer to fit their needs, regardless of a bad credit history” this is the goal of this website.

Do you need information to recover your bad credit loans, bad credit credit cards rating, or any other related issues?, just visit this site! Information of Credit cards for bad credit rating people is now available, together with home loans, personal loans, all available in this site, their experts have pooled only the most competitive and great rate loans, brought to you, regardless your credit history. Review, and apply on line one or more applications to fit your financial needs, and to get your credit rating back on the right track.