Android 4 Tablets

Android 4 is the latest version of Google's Android Operating System. It has been code-named as the 'Ice Cream Sandwich (ICS)'. The Android 4 OS has been designed by Google to be used in both cell phones and PC tablets. Google has mentioned that Android 4 brings together the best of both Gingerbread and Honeycomb, the previous two versions of Android, but also has new features that will make using cell phones or tablet a much richer experience.

The animations have been refined and enhanced to offer you a better experience. The most noticeable change with Ice Cream Sandwich is the interface. In the new Android 4 OS, Google has tried to make the common functions more accessible which allow more natural and flowing navigation around the operating system. It might follow the same principles as the previous Android version, but the way it is used is radically different in a number of ways. The Android 4 is designed to work with buttons. Now to navigate around you will be offered three soft-keys: Back, Home and Multitasking. Multitasking has been made easier and more seamless, with the bonus of re-sizable widgets and customized home screens.

It even offers the favorite tray feature which can be seen on all screens. If you will be using an Android 4 tablet that may at any point of time have many screens to flip through so if you have your favorites lined up to flip through will be a nice feature. An Android 4 tablet will now have better Wi-Fi and network connectivity and will highlight which applications are using what data. This feature will be of great help for the people who have a tendency of going beyond their network usage every month so that they come to know which application is causing the most data usage and can keep a check on it.

The security has been enhanced a lot in this latest version as it will have the face unlock feature. Android 4 Tablets will take a giant leap, much ahead of the previous versions once launched. Well nothing has been decided or disclosed yet, as in when is Android 4 OS being launched because it was only some time back that the Android 3 honeycomb operating system was releases. So the Ice Cream Sandwich operating system may take some time from now. But at this stage it seems that it is going to deliver on its promise.

Personal Budget - 7 Guidelines That Will Help You Plan a Working Budget

Setting up your personal budget requires a hands-on approach. The following guidelines will help you plan a working budget to undertake this journey.

1. Gather all your financial details. That will include all of your bank accounts, credit cards and insurances papers - anything to do with your personal finances. These details will be needed to start your budget.

2. List all sources of income. This includes salary, rental income and regular disputes and interest.

3. Categorize your expenses starting with your commitments - list each item under headings such as:

• Home: mortgage or rent.
• Association and professional fees.
• Insurance: health, motor vehicle, home, contents and life
• Education costs
• Day care and child care
• Loans: car loan, student loan, bank fees and interest
• Land tax or rates.
• Other payments required as a commitment: motor vehicle licensing.
• Investment - yes commit to your future and pay yourself!

4. List necessities - again list each item under headings:

• Food, groceries, gas (petrol), home maintenance, security.
• Utilities: gas, water, electricity, rubbish disposal, phone costs
• School lunches, household supplies, car maintenance, internet service, dry cleaning, monthly parking.

5. Other expenses. Personal everyday expenses covering: lunch at work, snacks, coffee, drinks, newspapers, magazines, batteries, postage. Family and personal allowances: parties, entertainment, weekend outings, movies, concerts, other entertainment and events, home improvements and decorating, magazine and other subscriptions, dining out and fast food. Also include: clothing, hobbies, personal recreation, books, CD's, manicures, hair care, alterations, shoe repair, personal and family gifts, gardening, film processing, video rentals, sports and gym, donations, computer software and other related items.

6. Once you have all your expenses listed add the total expenses and deduct these from your income. You will need to convert everything to monthly or weekly. This means that bills that are paid once a year must be divided by 12 to get the monthly figure. Convert quarterly payments to an annual figure then convert this to monthly. It is important that you include bills that are paid other than monthly to ensure that the money is available when the bill is due. Place the money in an interest bearing account.

7. Do you need to tweak your budget? When you deducted the expenses from your income was there any money left or did you find your expenses were more than your income? If your situation is the latter you will need to do some tweaking. The commitments can not change. As for necessities you may be able to cut down on food expenses and find cheaper providers of utilities or try to save costs by being conscious of switching off lights etc. But it is the other expenses category that has the most capacity for tweaking as many of them are not needed and can be reduced or cut out. Review your budget regularly to make sure it is still working for you.

The time to start a personal budget is now and these guidelines are designed to make sure that your budget is really a working budget - one that works for you!

Honest Business Opportunity Or Fraud?

INTRODUCTION

There are so many small business opportunities out there that can be very hard to tell a scam from a good way to make money. The internet seems to have generated more scams than honest business opportunities, but you can turn the tide against scams and learn what is legitimate from illegitimate almost at a glance these days. (If you are armed with the right information!)

ARE ALL MLM COMPANIES SCAMS?

The most common of the scams these days seems to be many of the multi level marketing or MLM companies around. Many MLM companies offer a legitimate way to work from home but they are given a bad name by the ones that are involved in the pyramid style of business that has been in existence for probably as long as the existence of currency.

SEPARATING THE GOOD FROM THE BAD

The way to tell them apart is very easy and it is done by looking at whether or not you are paid purely on the basis of getting more people to join the organization. If it runs purely on this principle it is a scam and it is also illegal.

In America there is an organization that was put together for the specific purpose of protecting the small business opportunity from people who are selling fraudulent ideas called the FTC. They have a list of all the scams that have been registered with them so it is a good idea to check any prospective business opportunity against their data base of frauds so that you do not catch this after the fact. Most countries have an equivalent of the FTC. For example in Australia it is called the Department of Fair Trading. It is just a matter of finding the one in your locality and getting in touch with them.

Most scams for the small business opportunity work on the principle of over charging for a particular good or service, so it may be helpful to compare what you will have to charge to make a profit with other types of companies that are providing the same or a similar good or service.

Many others target the work at home business with the idea of ​​the investor having to outlay many thousands of dollars for an inventory of stock which the investor will have little or no chance to move in the foreseeable future. One way to get around this is to make sure that your small business opportunity only needs you to buy a sales kit or demonstration goods that are provided at little or no mark up from the cost incurred by the parent company.

The company that offers a small business opportunity without any form of training is also very likely to be a scam. A company that does not do everything in its power to make sure that all of its members are capable of making the company money is either incompetent or fraudulent, and either way you do not want to be involved.

RESOURCES

There are also many websites that offer a service of legal advice on not only the small business opportunity but every facet of home business, and you can access this information at relatively low cost. These sites typically revolve around preventive law so it is best to consult them before you sign any checks. One of the best is Rod Cook's site MLM RESOURCES and it specializes in the laws which govern the most popular work at home business, the MLM.

Another very helpful web site is the MLM WATCHDOG INDEX. This site is dedicated to letting people know about the home business scams that are new to the market and they have warnings posted before before any government agency can do anything about a small business opportunity that proves later to be a scam. It pays to do your home work before you invest in a home business idea because, not only may you be the victim of a scam, but you may be an unwitting accomplice in an illegal home business.

Copyright 2004 Android Technologies, Inc.

Why Business Owners Should Plan on the Obvious

Some things are just obvious.

Seen that new study about how a dog is as smart as a typical 2-year-old? If you're a parent of a 2-year-old, I'm sure that this comes as no surprise. And was anyone surprised that the governor of South Carolina who preached family values and frugal living was caught having an affair with an Argentinean woman on the taxpayer's dime? Anyone want to take a guess where his South American hottie's going to end up once he loses his job and power? Obvious.

Just like some of the things going on in the economy right now. There are obvious trends. These events will affect how people run their businesses. A lot of smart business owners I know have recognized the obvious. And are doing something about it.

For example, there will, without a doubt, be a health-care reform bill. That's obvious. The President's party overwhelmingly controls all three branches of the government. He's going to get his health-care overhaul. It's also obvious that it won't be all that he wants. There are just too many powerful interests who depend on the benefits of our current health care system. Like the insurance companies, pharmaceutical firms, plastic surgeons, Alex Rodriguez, and Andy Dick. So there will be a compromise. And there will be additional costs to individuals and businesses.

Taxes Are Going Up. Most business owners I know have already accepted this. They're talking right now to their health insurance brokers. They're not committing to any long-term plans. They're telling their employees that no one's going to lose their insurance and how much they're valued. They're following the news of this legislation very closely and will be ready to act when things finally shake out.

It's obvious to me that those Somali pirates are eventually going to hijack a cruise ship, the Iranians will ultimately develop a nuclear bomb, and Mad Men will run away with next year's Emmys. Oh, and our taxes are going to go up. That's obvious, too.

The President has already promised to raise tax rates for people making $200,000 or more per year. The deficit is ballooning and even my dog (who's as smart as that pain-in-the-neck 2- year-old down the street) can figure out that more taxes will be needed to pay for this.

So that's why many smart business owners I know are trying to report as much income as possible. They're speeding up collections and invoicing wherever possible. They're pushing deductions ahead into the next year. Why? Because if they're going to pay taxes on our income, they might as well pay them now, while the rates are lower, then later, when they're inevitably going to go up.

And that goes for estate taxes, too. The President wants to freeze these rates permanently at 2009 levels. But many in Congress feel it's still not paying for itself and look to estate taxes as another potential revenue source. As the government looks for more funding for its programs, estate taxes look like a great way to raise that money at a low political cost, so don't expect those rates to stay where they are.

Smart business owners who have worked many years to grow their personal wealth see this thunderstorm on the horizon, too. These business owners are doing things in the background right now. They're transferring assets to their children and family members. They're talking to their attorneys. They're setting up trusts and making their plans. Right now a 55% tax may be a bargain.

Chasing Down Government Money

Here's another obvious thing: Vladimir Putin is ripped! Have you seen those bare-chested photos of him circulating the Internet? Uspekhov! There's a man that believes in a strong, large government. Just like our President. You can agree or disagree with Mr. Obama's motives. You can complain all you want about more regulation. But it's obvious to anyone running a business that there's never been a better time to do business with the government than right now.

Just check out recovery.gov, fedbizopps.gov, grants.gov, and all the other feeling-the-government's-love-dot-gov Web sites. Why? Because thousands of business owners are already doing it. They're learning the ropes for bidding, working, and then collecting from the government (or the government's beneficiaries). Sure, many business owners believe in less government, the right to bear arms, and the freedom to listen to Lynyrd Skynyrd any damn time we want. But for now they're chasing down money from the obvious source: Uncle Sam.

Come to think of it, maybe they should be chasing Ryan Seacrest instead. He just did a $35 million deal with American Idol. Obviously their payroll costs, like many small businesses' costs, are going up. The minimum wage is already up more than 24% from three years ago. Social Security needs funding. People who thought they would retire...now can't. Oh, did I mention health care? Ask any business owner and they'll tell you that the most important part of their company is their people. But they're not getting any cheaper.

Real Estate is a Good Investment

Luckily there are a lot of smart unemployed people out there now. So they're outsourcing more work to them. And they're asking our own people to do more and more often, rather than hire additional workers. Smart business owners who plan for growth in 2010 are planning to do so with as few people as possible. And to invest their money wisely.

And one good place to invest that money is real estate, where the market has bottomed out. A lot of those empty storefronts you're seeing aren't because someone went out of business. It's because they've relocated to a better spot for less money. The recession has brought property values within reach of many of us and lowered rental rates at the same time.

Many business owners think it's obvious that inflation will go up and the value of the dollar will go down. So they're making their overseas bets. They're hiring agents in developing markets, like China and India. They're outsourcing sales jobs so they can identify more potential overseas customers. They're looking for low cost (and hopefully local) sources of supplies and locking in prices for as long as they can. They're building out their Web site and communications systems to handle the 24/7 demands of selling and servicing to markets around the world.

Ah yes, the obvious. Right in front of our eyes. Some business owners see it. Others don't. My wife and I saw the obvious a few years ago. That's when we decided to get a dog rather than having another pain-in-the-neck 2-year-old running around.

Computer Viruses and The Negative Impact on Business

Computers are very detailed machines that function by set rules, codes and languages. Everything follows a pattern and schedule in order to operate efficiently. Computer viruses can affect the cosmetics of a computer such as the screen and display appearance or the simple functions such as the way the keyboard operates or the functionality of the drives. Some of these symptoms may seem to be only a minor inconvenience, but when you see these signs you should wonder what may have caused the change and what else may be going on that you can not see. Other symptoms can include loss of files, decrease in memory space, slow operation and damaged programs.

The writer of the virus determines how they will infect the system as well as what they want the virus to do. In most cases, a virus will perform damage to the host system, and may do this while performing another function such as retrieval information, and then spread to the reminder of the network.

A computer virus is similar to a medical virus in that it often occurs even when precautions were taken to prevent it. Particularly malicious viruses steal information and data, which may be confidential. This may be customer or client information of a personal nature whether medical, financial or some other form. It may be company information specific to employee's records, user names and passwords or other functions of the business. Information may simultaneously be erased. It can pick up information from any other computer in the network. It can locate other users and obtain their information.

There are many programs available and they are a must-have for an individual's personal computer and specifically for that of a business. Strong measures must be taken to prevent viruses within a company, as one infected computer is opening the door to the entire network, putting clients, customers and even employees at risk. Businesses should understand that the condition of their system is susceptible to change with every employee that signals into the network.

Training should be instituted to prevent damage by teaching employees how to determine what is safe use of the system, how to update their protection programs and how to know if something is questionable and when to bring it to the attention of the IT department. It is always helpful to set up the virus protection programs to run automatically and the individual systems or the network as a whole can be set to automatically update the programs that are install along with fixes and patches as needed. In addition to anti-virus programs a filter may also help to block viruses.

While the anti-virus is placed inside the firewall, a filter is placed on the outside and closer to the server. Users may be limited as far as what can be received and may not be able to open attachments. This will unduly create an inconvenience, although it is in the best interest of the company and will save money by eliminating loss of business if a shutdown is needed to correct a problem. A virus usually spreads very quickly and for a large company this can be costly. Prevention is always the least cost way to reduce the risk of virus.

Financial Advice For a 401k Loan

If you are in the situation whereby you are in need of money fast, your 401K may be looking pretty good right about now. After all, it is possible to take out a loan against your 401K. There are some rules and tips you need to remember, however. Here is some financial advice for a 401K loan.

The first point to make is: if at all possible, avoid taking out a loan against your retirement savings. Reason: this is your financial future, and there will come a day when you want every penny you can get. Remember the effects of compound interest: the larger the amount in your retirement account and the longer you keep it in there, the more money you will have when it comes time to retire.

Of course, you can choose to skip a loan and just withdraw money from your plan. However, the tax penalty you have to pay in this case will make this a very unattractive option.

Fortunately, taking out a loan against your retirement savings requires that you pay no tax penalty. However, there are limitations and restrictions for taking out this type of loan. The restrictions vary by plan, so check with your plan administrator. For most plans, the following are acceptable reasons to take out a loan against your 401K:

1. Pay for college






2. Pay your mortgage when facing possible eviction or other hardship






3. Pay medical expenses






4. You are purchasing a home for the first time

Here are some of the regulations and constraints you will most likely face when considering this type of loan:

1. There will be a minimum loan amount: usually around a thousand dollars






2. Your loan will have a prescribed length at the outset, such as 5 years or less






3. There is a maximum you can borrow, which is usually around half of your account's value at the time of the loan






4. Depending upon your plan, you may incur loan fees for taking out a 401K loan.

If you are considering taking out this type of loan, make sure you have exhausted all of your other options first. If you have poor credit but need money fast, you may want to consider a short term personal loan instead.

The Evolution of the Dive Computer

Scuba - The Dive Computer

The computer revolution of the 1980s that led to ever smaller PCs was not a boon only to business. Scubadivers, too, have benefited enthusiastically from the electronics and miniaturization advances.

Scuba Computer

A dive computer is a wristwatch (or in this case, even a mask) -like device that measures time and ambient pressure, temperature and sometimes other variables. Its primary purpose is to make measurements and calculations that provide the diver with recommendations for safe ascent. With a dive computer strapped on, the chances of suffering decompression sickness - the bends - is drastically reduced.

A dive computer will display the safe rate of ascent based on estimates of the amount of nitrogen absorbed during the dive. It does this by a combination of direct measurement of ambient pressure and time, along with a calculated depth and in-built algorithms about nitrogen absorption.

Turning the computer on during travel to the dive is helpful so that it can measure the conditions the diver experiences before entering the water.

Dive computers are available in a wide price range, and in general the more expensive have more functions. Some measure just the basics, others can actually measure tank pressure and even gas mixture.

Several models will take and store measurements and calculations, then allow for downloading to a PC so the dive can be analyzed at home. That allows knowledgeable divers to tailor future dives for more efficient use of dive time, while still retaining a wide safety margin.

Some dive computers will even provide divers with post-dive recommendations about when it's safe to fly again. Airplane cabins contain pressurized air. That affects the rate at which nitrogen - absorbed into the lungs and bloodstream - will be safely released back out of solution and exhaled. Decompression sickness can occur anywhere from immediately to several hours after completing a dive.

Most dive computers calculate and recommend based on 'open circuit' systems in which the diver breaths from a 2-stage regulator attached to a tank and standard face mask, exhaling into the regulator and inhalation tube.

Some air systems are closed-circuit, sometimes called 'rebreathers'. These air supply systems allow divers to rebreath 'scrubbed' air. The exhalation is filtered to remove CO2. Since inhaling air with 21% oxygen produces 18% oxygen and 3% CO2, such systems can be very efficient. There are dive computers available for use with closed-circuit systems. Make sure you know which you're getting.

The majority of dive computers have menus and the owner should become familiar with the device topside. It's particularly helpful to practice under simulated conditions. So, after gaining basic familiarity with how to operate it, try doing the same in a tub of water, with the bathroom lights dimmed.

Good diving practice mandates that you 'plan your dive and dive your plan'. In this case, that means using your computer to help plan your dive, then following its recommendations during the dive, unless an emergency requires you to abandon it.

However, remember that dive computers have in-built programming that is based on assumptions about how gases are absorbed and released. But no two divers are exactly alike. The dive computers display gives recommendations. Never abandon common sense and err on the side of your safety.