Santa Claus better not use iOS Apple Maps to get home this holiday season. Fairbanks, Alaska?? #applemaps. I want my google maps back. Wahh!!
How Contestants’ Standings have Improved on Twitter in One Week, Data recorded at 8:17pm PST on Thursday December 5, 2012.
Last night’s The Xfactor USA ended with a couple of big upsets, Paige Thomas & Vino Alan are out of the running for a $5 million dollar recording contract.
My Question to myself tonight was if Twitter Followers were a good indication of who is going to win this thing?
Let’s look at the data:
The XFACTOR - Who is Left?
Standing From Last Nights Show vs Number of Twitter Followers.
The rules of the XFactor are completely stupid. Example: You can’t vote until after the show (!?$%#), you can only vote on your mobile phone through Verizon (!?%$#) or through Xfactor the App (which is bugged to hell and doesn’t work), you can buy the song on TheXfactorUsa.com (!?%$#), HELLO iTUNES?! Ever heard of it. Don’t waste my time. Thank you @NBC’sTheVoice for getting it right.
I think this show is still too tough to call. The major drawback to the singoff is, it’s not actually a chance for the judges to choose someone that performed better in the singoff, it’s actually a chance for the judges to improve the chance of success for one of their people.
If Cece Frey and Diamond White are in the running again for 4th place, I think it could go down to a deadlock and we have yet to see what that exactly that means. Demi Lovato will weigh in Cece’s favor, Britney will always be in Diamond’s favor, it really comes down to if Cece or Diamond has a better chance of beating the groups or Tate Stevens, which is why I think Diamond White could be voted off next week. Cece is perceived as less of a threat.
Here is how I predict the standings for this show are going to look at the end of Wednesday’s show.
Good luck to all the contestants next week and hope they put on a great show!!
Appeared in my Inbox from Lemon Wallet this morning
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(They really mean Argentina, where 90% of their workforce is located)
Fact: IBM late to the Tablet Computer market sells PC division to Lenovo
Fact: IBM late to the SSD Business sells Hard Drive Business to Hitachi
Fact: Microsoft canceled it’s Tablet, the Courier and lost several major execs
Strategy Results? FAILURE!
Fact: Microsoft late to the Tablet business sells Hardware Division to Samsung
One year ago to this day, Microsoft releases this news:
All courier fans are still crying…to this day.
World Wide Words: Budget -
One of the traditional high points of the political year in Britain came last Tuesday afternoon, when the Chancellor of the Exchequer presented his budget proposals for the coming financial year. Also traditional was the photo-opportunity (though that word is much newer than the practice) on the steps of the Chancellor’s official residence, 11 Downing Street, when he held up the red despatch box containing the text of his speech for the media to photograph. So far as the history of words is concerned, there’s actually a good connection between the box and the speech… click the link to read more.
Debit Card vs. Credit Card: Which Is Better? -
Many of us know we have an option to use a debit card but don’t take advantage because we lack knowledge or interest or simply are in the habit of writing checks. While checks, ATM cards and credit cards are fairly self-explanatory, many people fail to see much difference between a credit card and a debit card.
So is there a significant difference? And is one better than the other?
Every time you use a credit card, you actually are borrowing money that is made available to you by a bank or other financial institution. The institution pays the debt to the vendor and, in turn, you pay the money back to the institution. By signing up for a credit card, you agree to pay back the money that you borrowed, in addition to any interest drawn on the amount you borrowed.
Odds are, you have a debit card in your wallet or purse right now, since many ATM cards are programmed to have debit options. Issued by your bank, debit cards take funds directly from the money that you have in your bank account - acting much like a check, just faster. With a debit card, you don’t have to carry cash or checks, and it is very convenient to shop at a variety of places including gas stations, grocery stores, restaurants and retail stores. They provide instant access to your money and are accepted worldwide.
Debit cards are used much like credit cards, meaning that the store where you are shopping ‘swipes’ them and you are normally given the option of signing your receipt instead of using a required PIN number (you can enter your PIN number if you prefer). You also typically do not have to show a picture ID.
Maybe you still don’t see much difference, besides where the money comes from and when you have to pay up. So which one is better to use? It depends upon how careful you are with your card and why you are using the card.
The features that make debit cards convenient - instant access to your money, lack of a required PIN number and not having to drag out your photo ID when you use it - make fraud that much easier. Unless reported quickly, theft of your debit card can quickly devastate your bank account. This is where you begin to see the difference.
Credit card companies are held to strict liability laws; the law limits consumer liability for credit card fraud to $50. For example, if you notice suspicious charges on your credit card statement such as double billing or an incorrect charge, the credit card company is obligated to investigate if you send in a written request within 60 days.
For debit card fraud, your liability is $50 if you notify the bank within two days of noticing the fraudulent charges. After two days, your liability increases to $500, and up to your entire account balance after 60 days. So, if you report the theft after two days, you can be held responsible for paying for purchases or charges that you didn’t make. Although many banks have started to implement voluntary plans to limit customer liability to $50, there is no federal law regarding this issue.
The key to protecting yourself when you suspect that your stuff has been stolen is acting fast! The Federal Trade Commission offers an excellent resource that can help you respond quickly in case your wallet or purse is stolen.
In addition to stricter liability laws, credit cards offer more consumer protection on purchases made. Use credit cards for very large or fragile purchases and for objects that will be delivered to your home after the purchase. This gives you added insurance in case the purchase is damaged in route.
One final advantage of credit cards is that they are helpful for consumers seeking to establish or reestablish an attractive credit history. Responsible credit card usage can improve one’s credit rating, which will improve your chances of obtaining favorable credit terms (low interest rates, low fees, etc.) for automobile loans, mortgages and personal loans.
One pitfall for many debit card consumers is not keeping up with their debit transactions. This is like writing checks and not recording your purchases - you may end up trying to spend money that you don’t have! Discipline yourself to keep up with your transaction receipts.
Finally, a debit card is not just a card - it’s ready access to your money. Be as careful with it as you would with your wallet if it contained the contents of your entire bank account.
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© 2004, CardRatings.com. Rebecca Lindsey is a senior staff writer for CardRatings.com), a popular personal finance website which provides free ratings of credit cards for consumers.