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Wednesday, May 16, 2012
Project: Snowblind
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Battlefield: Bad Company 2 [Full]
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Apple's iPhone Event is Near: 5 Predictions
Apple will put an end to the rumors and introduce its next iPhone on October 4--it's already sent out invitations to an iPhone-specific event that will be held at Apple's Cupertino campus. New Apple CEO Tim Cook is expected to take the stage and make the big announcement.
This means we've got just one more week for some good, old-fashioned speculation. Here's what I think we'll see at Apple's upcoming iPhone event:
Prediction #1: The New iPhone Will Look
Different
Depending on which story you're reading, the next iPhone will either have a completely new design or be
exactly the same, aesthetically, as the iPhone 4.
In other words, Apple has managed to keep the tech press guessing. But considering that Apple has gone 16 months without announcing a new iPhone, I would be surprised if the iPhone 5's design offers nothing new. Prediction #2: Hardware Will be New, but Predictable
The iPhone 4 had a new design, but it didn't surprise us with its specs--it received the same A4 chip as the iPad. Following the same lines, I think the next iPhone will have the same dual-core A5 chip that debuted in the iPad 2.
I think we can probably look forward to a new camera--not only do rumors suggest that the next iPhone will have an 8MP camera, but Apple has a history of improving the iPhone's camera with each generation. To go with the new chip and camera, the next iPhone will also probably have 1GB of RAM--but Apple probably won't say much about this. After all, Apple doesn't usually spend a lot of time discussing specs.
Prediction #3: Hardware Isn't Everything
Rumor has it that the next iPhone will have software improvements, including expanded voice commands. The new voice commands--part of a feature reportedly called Assistant--are based on Siri, the virtual assistant software maker that Apple acquired last year.
This system-wide voice navigation system could be a standout feature that's exclusive to the iPhone 5, and a big focus at next Tuesday's event. Apple did make voice commands exclusive to the iPhone 3GS in 2009, so requiring an iPhone 5 for expanded voice commands isn't without precedent.
Bonus prediction: The event invitation includes a photo of the iPhone's maps application icon, which has me wondering if Apple will finally add turn-by-turn directions.
Prediction #4: A Cheaper iPhone
The use of the singular in the invitation ("Let's talk iPhone") has led pundits such as John Gruber to speculate that Apple will only launch one new iPhone, despite rumors to the contrary.
While Apple may not launch an iPhone 4S, it will still drop the price on its old iPhones--AT&T and Verizon iPhone 4's--as it has in the past. Low-cost, older-generation iPhones have proven to be very successful, and are one of the reasons AT&T far outpaced Verizon in sales in the second quarter, despite Verizon having the iPhone 4. I doubt Apple will give up that market.
Prediction #5: Sprint Gets Love
Between the Wall Street Journal's unnamed sources, Bloomberg's unnamed sources, and Sprint's internal memos telling employees to keep quiet, a Sprint iPhone 5 seems like a good bet. T-Mobile, on the other hand, probably won't be part of Apple's announcement. When asked if T-Mobile would be getting the next iPhone, T-Mobile CEO Cole Brodman recently said, "To my knowledge, not in October."
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Order of War
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Front Mission Evolved
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Tuesday, May 15, 2012
Mini Ninjas
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Wall St pops on Apple's results, Fed's reassurance
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Techinline Remote Desktop Support Software Review
Gone are the days where those that purchase remote desktop support software are only a little niche in the market today as more and more enterprises discover the necessity of having a remote desktop management team in their IT offices. Now as the name implies, these type of tools allows people miles away to actually control and fix issues locally. This not only decreases any discrepancy between the tech support and the user, but enables to provide quicker solutions as well. On that note, there are many tools out there that provide the same concept, so which one should you choose? Let us help you by highlighting one of these — presenting Techinline’s Remote Access Desktop Support Software.
Most remote desktop tools require the user install one or more software packages that will allow the shared connection between points. There’s the issue of security, connection speed and more among others. Techinline tries to alleviate these hassles by having a browser-based remote desktop support software. You may be thinking, “That’s too easy!”… that’s correct. With this, your company will save a lot in just purchasing and installing a single package instead of multiple ones. What about security then, that’s the main reason why other tools are “bloated.” Techinline reassures that despite having a simpler setup, security isn’t compromised with its SSL and 128-bit Advanced Encryption Standard (AES) — both of which are commonly used in financial transactions.
Now that we’ve laid down the basics, here’s what Techinline’s software has to offer. For starters, you wouldn’t want a generic-looking tool if you wanted to roll it out within your company. Thus, Techinline gives you lots of options in customizing the look of both the local and remote clients from the colors to the logos among others. If that’s not enough take remote copy and pasting — that’s right, your clipboard is also shared between clients. Not only your clipboard, but files themselves are transferable between users. Of course, remote desktop support is useless if both parties aren’t able to talk to each other, so Techinline included a messaging/chat client for easy communication between users. For evaluation and measurement, there are reports and logs available for administrator use that allows administrators to see how their services fare and some needed metrics measurements.
So there you have it. If you want a highly flexible and easy to use remote desktop support solution, then Techinline may actually have the one you’re looking for. Combine that with their round-the-clock global support, they will assure you that their users and your users will be satisfied either way. Now subscription licenses range from a monthly $30 to an annual charge of $300, but for the amount of money you’ll save due to less user problems, then this tool is worth the price. For more information, visit them at techinline.com.
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POOL BREAK PRO Android app
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In Defense of the New Facebook
Not a fan of the revamp? Give Timeline and the other new features a chance -- but keep Facebook clean on privacy controls, too.
By Eric Mack, PCWorld Sep 26, 2011 8:11 pm
Shortly after Mark Zuckerberg unveiled a major overhaul to Facebook at the company's f8 conference last week, some informal surveys and Facebook chatter found many users are not fans of the changes. But are Timeline, media integration, and the introduction of Open Graph apps really that bad? 
Right now, profiles are anchored by a user's wall -- a disorganized stream of consciousness from me, people I know, and people I don't really know. Click the "Info" tab to get a more traditional user profile, based on static information gathered at some point in the past from a single questionnaire. A huge social network like Facebook can do better than that and now it is. Timeline could finally deliver a constantly-updating, algorithm-based profile. Hasn't every Tumblr blogger wished sometimes to automatically update their feed without taking all that time to actually synthesize their thoughts and write? 
Yes, Facebook continues to cultivate an ever-increasing creepy factor. I don't like Mark Zuckerberg's apparent disdain for the very concept of privacy. This is why the backlash seen in the past week is good. It helps keep Facebook and Zuckerberg in check by raising important concerns, boosting the public's awareness of possible issues, and pressuring Facebook to include all sorts of opt-out and privacy controls.
By Eric Mack, PCWorld Sep 26, 2011 8:11 pm
Shortly after Mark Zuckerberg unveiled a major overhaul to Facebook at the company's f8 conference last week, some informal surveys and Facebook chatter found many users are not fans of the changes. But are Timeline, media integration, and the introduction of Open Graph apps really that bad? I personally can't wait for Timeline to roll out on my Facebook account. Mark Zuckerberg said at f8 that the redesign to the user profile section will compile past posts, pictures, and activities to help show "the story of your life." Zuckerberg may be overselling the concept a bit, and it remains to be seen how well the underlying algorithm picks and chooses compelling moments from my past activity, but Timeline is a long-overdue upgrade that will finally make profile pages actually provide a user profile.
Right now, profiles are anchored by a user's wall -- a disorganized stream of consciousness from me, people I know, and people I don't really know. Click the "Info" tab to get a more traditional user profile, based on static information gathered at some point in the past from a single questionnaire. A huge social network like Facebook can do better than that and now it is. Timeline could finally deliver a constantly-updating, algorithm-based profile. Hasn't every Tumblr blogger wished sometimes to automatically update their feed without taking all that time to actually synthesize their thoughts and write? More Media, More Sharing
I suspect that Facebook's efforts at integrating media services like Spotify and Netflix into the network won't go down exactly as intended. I don't expect to spend much time simultaneously watching or listening to something with my Facebook friends. Perhaps that will happen in the youngest demographics, but I'm more excited about the prospect of Facebook as the ultimate discovery engine for music and other media. This is why social is supposed to be so exciting, right? The capability to tap in to your network to recommend new tunes and TV shows is something all media services try to integrate. Few have succeeded because they lack the critical mass of users that Facebook has.
The promise of other Open Graph apps only expands this universe of opportunities to collaborate, discover, and share. Need a jogging partner on short notice, or a recipe recommendation from a friend whose tastes you trust? Soon it could all be within reach in one place.
Creepy Factor?
But isn't all this a little bit scary? What about privacy? Do I really want the world to know how many times I listened to Pit Bull and Nicki Minaj last week?
Yes, Facebook continues to cultivate an ever-increasing creepy factor. I don't like Mark Zuckerberg's apparent disdain for the very concept of privacy. This is why the backlash seen in the past week is good. It helps keep Facebook and Zuckerberg in check by raising important concerns, boosting the public's awareness of possible issues, and pressuring Facebook to include all sorts of opt-out and privacy controls. As PCWorld's Jared Newman points out, this is just the latest in a string of backlashes against changes to Facebook that shove us into sharing more of ourselves on the social network. There was a freak-out when the feed of friends' status updates and activities first debuted, and now it's the heart of the network. Facebook is going to keep pushing us to be more public, and we should keep pushing back, but so far the benefits have outweighed the costs for most users. These new changes are a particularly strong shove, but I don't think we've neared the point of being pushed off a cliff just yet.
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Analysis: Even in emerging markets, Nokia's star is fading
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Monday, May 14, 2012
Two More Ways To Hack Facebook’s Timeline Cover
Now we have five different tools that create Facebook timeline cover images, all of them appearing to be reformatted banners, screensavers or Twitter backgrounds.Even if they are all recylcled, it’s still pretty cool considering only one week has elapsed since Facebook made the new timeline profile available to those who have the Developer application installed on their profiles.
We’ve previously covered three such tools: Coverize.me, Facebook Timeline Cover Creator and Facebook Covers. Today we discovered two more of them.
Fresh Facebook Covers has different 211 images, grouped into the following categories: popular, for girls, for boys, celebrities, TV shows, music, quotes, cute and random.Like the other tools in this space, all of these covers have Fresh Facebook Covers’ web address stamped in the lower right-hand corner — do you want that in your profile?
On Fresh Facebook Covers, the button “download this cover” appearing beneath all of the images makes it look like you’ll automatically capture the image, but clicking on it simply opens up a larger version of the graphic a new tab. You have to save it yourself and then upload it on your own to your timeline.
Meanwhile, FacebookCovers.org contains 50 cover images and lists 16 categories, some of which don’t yet have anything in them. These groups are labeled: abstract, animals, awareness, awesome, cute, funny, hearts, life, love, movies, music, people, quotes, sports, TV shows and video games.
To the right of each image on FacebookCovers.org there’s a button labeled “add to profile.”
Clicking on the link fires up a permission window asking your permission for access to your profile, but all that does is upload the chosen graphic to your photo albums. You still have to click on “change cover.”
Also, like the others we’ve covered (pun intended if you want), all of the images available on FacebookCovers.org bear the site’s brand name in the lower-right-hand corner.
It’s easy to erase that branding in any graphics editor, although it would be impolite of us to recommend that practice.
So, dear readers, have you tried out any of the applications for tricking out your cover image in Facebook’s timeline?
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CALL BLOCKER Android app
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ONE TOUCH OPTIMIZE 1.4 Android app
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NTLDR is Missing Solution to Fix it
How to fix NTLDR is Missing press any key to restart
Line 7 and 8 are using simple copy command to copy your NTLDR and NTDETECT.COM file to your c: drive.
This problem some time occurs when Ntldr file is deleted or corrupt some how.NTLDR is the boot loader for all releases of Microsoft’s Windows NT operating system up to and including Windows XP and Windows Server 2003. NTLDR is typically run from the primary hard disk drive, but it can also run from portable storage devices such as a CD-ROM, USB flash drive, or floppy disk. NTLDR can also load a non NT-based operating system given the appropriate boot sector in a file.
Here is a solution if you have NTLDR is Missing problem in your windows XP
Steps
Insert Windows XP installation CD then boot from CD-ROMAt the option screen choose Repair option by pressing R keyChoose the location of the installation of Windows you want to repair by pressing the corresponding number ( mainly 1)Enter the administrator password when prompted ,if you dont have used password press enterThen Enter the following commandhere ‘D’ is the drive name of cd-rom it can be differnet on your system so choose according to itCOPY D:\I386\NTLDR C:\COPY D:\I386\NTDETECT.COM C:\Eject the Windows XP installation CD then type: exit TO restart your windowsDoneLine 7 and 8 are using simple copy command to copy your NTLDR and NTDETECT.COM file to your c: drive.
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ICE CREAM SANDWICH (THEME) Android Home Screen
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Turning Melo 1.0.5 Apk
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Sunday, May 13, 2012
MOBO VIDEO PLAYER PRO Android app
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JVC GC-PX10 hybrid camera
Latest Gadjet 
There never was a doubt as to when the digital still camera was going to cross paths with that of the camcorder family, and JVC might have pulled off a masterstroke with their latest model – the JVC GC-PX10. This is a video/still hybrid camera that is touted to deliver professional level performance as well as features, letting you choose between capturing the fleeting moment in 12-megapixel stills, or if you so desire the wonders of Full HD video, then 36Mbps progressive Full HD video and super-slow motion are also options for you.
There never was a doubt as to when the digital still camera was going to cross paths with that of the camcorder family, and JVC might have pulled off a masterstroke with their latest model – the JVC GC-PX10. This is a video/still hybrid camera that is touted to deliver professional level performance as well as features, letting you choose between capturing the fleeting moment in 12-megapixel stills, or if you so desire the wonders of Full HD video, then 36Mbps progressive Full HD video and super-slow motion are also options for you.
Apart from that, JVC ensures no matter how much of a beginner you are in photography, you will still be able to capture the perfect moment with 60 shots per second still image shooting, 300 frames-per-second video recording for high-quality super-slow motion as well as the ability to pick out pristine still images from video if the situation calls for something like that – especially when you realized that your photographer has missed out a crucial moment on your Big Day.
Just what makes the JVC GC-PX10 tick? Well, JVC is proud to say that their all new FALCONBRID high speed imaging engine keeps it going, where it was originally spotted over at JVC’s Full HD 3D camcorder, the GS-TD1. For the uninitiated like many of us, FALCONBRID is a single-chip technology that comes with its own processing muscle in order to let the GC-PX10 to record Full HD progressive video at 36Mbps, while capturing 8.3-megapixel during the recording of Full HD video to deliver both high-quality stills from recorded video simultaneously.
There is even an ISO 6400 mode that allows you to capture those precious moments under extremely low light conditions, while rapid-fire still shooting of 8.3-megapixel stills is a possibility as well – just make sure you have the relevant flash memory to be able to support such massive data transfers within a short period of time. Other hardware specifications include optical image stabilization with JVC’s Advanced Image Stabilizer, 10X optical zoom (19x Dynamic Zoom with no image degradation when zoomed), KONICA MINOLTA HD LENS, a mode dial for both automatic and manual settings (white balance, aperture and shutter), microphone output
and headphone input.
The 32GB of internal memory can be further augmented thanks to the inclusion of an SDXC/SDHC memory card slot. The JVC GC-PX10 is not going to come cheap though at $899.95 a pop when it hits the market later this month.
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X-PLORE FILE MANAGER V2.47 [Android app]
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How to Download Torrent Files on Android Devices
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25 Most-Followed Users on Instagram [PICS]
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GO SMS PRO [android app]
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Amazon's streak of Fire ignites shares
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Saturday, May 12, 2012
Brydge Turns Your iPad Into a Laptop [VIDEO]
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Still in the frame, the camera defies smartphone onslaught
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Momac to develop mobile website for O2 loyalty program
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In future, movies may come to theaters by satellite
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V 2.0 of Adfonic SDK for iOS and Android released
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51 Digital Media Resources You May Have Missed
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Deadline looms for Falcone on LightSquared control
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Friday, May 11, 2012
Interest in Pinterest Reaches a Fever Pitch [INFOGRAPHIC]
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Huge boom in UK m-commerce says Worldpay
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Guest Post: Thorsten Heins takes RIM by the Reigns as new CEO
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iPhone app downloads plummet in March, while mobile marketing costs hold steady, reports Fiksu
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Mobile advertising sees tremendous growth says BuzzCity
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O2 Wallet launches
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Researchers Create Glare-Free Self-Cleaning Glass [VIDEO]
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Thursday, May 10, 2012
Pokémon Art Tumblr Reimagines 151 Original Characters [PICS]
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Samsung coyness puts smartphone crown in dispute
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The ultimate babysitter? iPads for infants stir debate
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Leaked Verizon document details Android updates
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Facebook’s filing of $5 billion IPO
Facebook’s filing of $5 billion IPO last Wednesday generated a lot of buzz from investors and public alike. It is estimated that the IPO will value the company north of $75 billion. And as a result of this, hundred of employees from facebook will turn into instant millionaires and even some into billionaires like the company’s founder Mark Zuckerburg. 
First of all, what is an IPO? An IPO or Initial Public Offering is a corporation’s first offer to sell stock to the public. An IPO raises cash, and usually a lot of it.
First of all, what is an IPO? An IPO or Initial Public Offering is a corporation’s first offer to sell stock to the public. An IPO raises cash, and usually a lot of it.
Facebook’s going public got investors excited because it is the largest on record for an Internet company. In fact it is five times the IPO of search engine operator Google. So for those employees who received stock options, it would mean that their personal wealth would turn into millions dollars.
Mark Zuckerburg, 27, would also join the ranks of the richest with a projected fortune of more than $20 billion. Early investor like Accel Partners who invested $12.2 million in 2005 is a big winner with as much as a thousand fold return on some of its investments. Peter Thiel’s investment of $500,000 in 2004 will be more or less worth $2 billion. Elevation Partner which is owned by Bono of U2 is also up for a big payday for investing $120 million in Facebook in 2010.
According to Alex Gould of Stanford Institute for Economic Policy Research, “Facebook will return insane amounts of money to the early stakeholders”.
Perhaps one of the most celebrated anticipated big winners of Facebook’s IPO is David Choe, the graffiti artist who painted the walls of the company’s first offices in Palo Alto in 2005. Instead of taking cash as payment, he opted on stocks which are now expected to be worth more than $200 million.pa
I wonder how the new Facebook millionaires will be spending their money. Cars, houses, jewelry? I just know Google’s advice: ‘Don’t be evil’.
Source: http://finance.yahoo.com/
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3D Printing Gives Amputees Custom-Designed Legs [VIDEO]
A San Francisco company called Bespoke Innovations is using 3D printing and modeling technology to give prosthetic limbs new life as custom-designed, wearable pieces of art.
[More from Mashable: Stunning 3D-Printed Guitars Will Blow You Away [PICS]]
Here's how it works: First, the company 3D scans both customers' natural and prosthetic legs. A 3D computer model is created, maintaining as body symmetry as possible between the two limbs. Then, the client begins directing the customization process of his or her new fairing. (A fairing is the prosthetic covering for an artificial limb.) Customers can choose from a range of patterns, templates and materials, and Bespoke is preparing to introduce an online tool for more experimentation. Finally, the specially-designed end result is produced using 3D printing technology.
SEE ALSO: You’ll Download Physical Objects Sooner Than You Think, Thanks to Kids Like These[More from Mashable: Shapeways CEO Will Discuss the Future of 3D Printing at Mashable Connect]
It all adds up, Bespoke says, to prosthetic limbs that actually reflect their users' personalities and tastes. The custom fairings cost between $4,000 and $5,000, according to the company's website.
“We are working on this guy from Israel right now,” co-founder Scott Summit tells Bloomberg Businessweek. “We are designing a Porsche 911 aesthetic for him. It’s a really classic design with clean lines and timeless detailing. We just did three other legs for three guys in Germany, all to reflect their very distinct personalities.”
Do you think this is a cool use of 3D printing technology? Where else do you want to see 3D printing tech applied for innovation? Let us know in the comments.
Thumbnail image courtesy Bespoke Innovations
This story originally published on Mashable here.
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Wednesday, May 9, 2012
AT&T barges into home security and automation
NEW YORK (AP) — AT&T Inc. will start selling home automation and security services nationwide, taking on incumbents led by Tyco International Ltd.'s ADT.
The installations and services will be sold in AT&T stores, starting with a trial this summer in Dallas and Atlanta.
Several of AT&T's competitors, including cable TV company Comcast Corp. and phone company Verizon Communications Inc., have ventured into the home automation and security field. Dallas-based AT&T is showing more ambition with its stated goal of selling nationwide, rather than sticking to its landline service territory, as Verizon does.
Steven Winoker, an analyst at Sanford Bernstein, said about 23 percent of U.S. homes have security systems, so there's plenty of room to grow. Even fewer have automation systems for controlling appliances, lights, heating and cooling.
The biggest player in the field is ADT, but it has only 25 percent of the market. Many smaller companies make up the rest, according to Winoker.
It's a very profitable business, Winoker said, but it's not big enough to significantly affect the earnings of a company of AT&T's size even if it's successful, given that it's a relatively small market.
AT&T's technology comes from Xanboo, a company it bought in late 2010. Its central control panel can connect wirelessly with cameras, thermostats, appliance controls, lights and sensors for doors, windows, smoke and carbon monoxide. Through the panel, home owners can then control their home from their cellphones.
It's highly recommended that the control panel is connected to wired broadband, but it doesn't have to be service through AT&T, said Glenn Lurie, AT&T's president of emerging devices. As a backup, the panel can connect to AT&T's wireless data network.
AT&T didn't say what its services would cost.
AT&T made its announcement on the eve of the U.S. cellphone industry's annual trade show, which starts Tuesday in New Orleans.
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Wrapp up free gift cards for Facebook friends
APPOLICIOUS ADVISOR RATING:
4 of 5 bars PRICE: FreeTASTY: See all of your Facebook friends’ upcoming events, such as birthdays.BUMMER: Your friends will have to authorize Wrapp to use their Facebook accounts to gain access to your gift.COOL: Give free $5 gifts to popular retailers or purchase higher amounts.
Wrapp is a great app that’s likely to be passed over by many users simply for its connection to Facebook. The app for iPhone and iPod Touch integrates with your Facebook account, allowing you to celebrate your friends by sending them gift cards—for free. Yes, that’s right. Free money.
In the app you’ll be able to see your friends’ upcoming birthdays—including ages, where available—as well as a directory of all of your Facebook friends. Want to do something nice for them? Simply tap their name and then select an item, such as a $5 gift card to Gap, H&M or Sephora, all of which are free for you to choose. If you want, you can pay to increase the value of the gift, too.
Gifts can be sent by text, email or posted to your friend’s Facebook wall. Although the latter makes sense given the Facebook integration, I’d likely opt for the other two methods, lest your gift be lost in spam.
Wrapp’s biggest downside is that it requires your friend to allow the app access to their Facebook account in order to see and redeem your gift. Considering I’d never heard of the service before today—and the wealth of Facebook scams in existence—it’s likely that many of your gifts could go unclaimed. Telling your friends about the service might ruin the surprise, but it’s probably the only way to ensure your gift doesn’t go unnoticed.
Wrapp supports gifts in the United States, UK, Norway and Sweden.
Find great games for iOS here
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Wrapp is a great app that’s likely to be passed over by many users simply for its connection to Facebook. The app for iPhone and iPod Touch integrates with your Facebook account, allowing you to celebrate your friends by sending them gift cards—for free. Yes, that’s right. Free money.
In the app you’ll be able to see your friends’ upcoming birthdays—including ages, where available—as well as a directory of all of your Facebook friends. Want to do something nice for them? Simply tap their name and then select an item, such as a $5 gift card to Gap, H&M or Sephora, all of which are free for you to choose. If you want, you can pay to increase the value of the gift, too.
Gifts can be sent by text, email or posted to your friend’s Facebook wall. Although the latter makes sense given the Facebook integration, I’d likely opt for the other two methods, lest your gift be lost in spam.
Wrapp’s biggest downside is that it requires your friend to allow the app access to their Facebook account in order to see and redeem your gift. Considering I’d never heard of the service before today—and the wealth of Facebook scams in existence—it’s likely that many of your gifts could go unclaimed. Telling your friends about the service might ruin the surprise, but it’s probably the only way to ensure your gift doesn’t go unnoticed.
Wrapp supports gifts in the United States, UK, Norway and Sweden.
Find great games for iOS here
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Payday loan firm Wonga to lend to small businesses
LONDON (Reuters) - British online payday loans provider Wonga.com launched a credit service for small businesses on Monday, aiming to fill a gap in the market left by banks who have been hamstrung by tight lending conditions imposed since the credit crunch.
Wonga, which has made 4 million short-term loans to consumers since its launch in 2007, will offer small businesses loans of 3,000 to 10,000 pounds ($4,800 to $16,200) for periods of between one and 52 weeks.
Interest rates will be fixed at between 0.3 and 2 percent per week, depending on how risky the loan is judged to be.
Wonga uses automated risk-processing technology to give near-instant answers to online applicants, and turns down about two-thirds of applications.
It now aims to export its more popular features, including the simple application screen featuring sliders that can be dragged to the desired amount to be borrowed and repayment period, to the business world.
"We wanted it to have all the characteristics that people positively associate with Wonga in terms of transparency, simplicity, ease of use, speed ... and we wanted to bring that to small business," said Chief Executive Errol Damelin.
Wonga's business has boomed during the downturn as cash-strapped consumers who found it hard to obtain short-term credit elsewhere turned to it for loans of up to 1,000 pounds to tide them over for up to a month.
The company has been criticized for charging too much interest - it charges simple interest to consumers of just under 1 percent per day - and for targeting the vulnerable.
But Wonga says its transparency, strict acceptance criteria and low default rates, which are in the mid-single digits, show it is a responsible lender.
Because it does not take deposits, Wonga operates under a consumer-credit license, not a banking license, meaning it is not subject to the capital requirements that are currently preventing banks from lending more.
"What became crystal clear to us a year or so ago was that small businesses had maybe even more need than individuals for solving short-term cash-flow problems," Damelin, who is also one of the company's two founders, told Reuters in an interview.
"For owner-operated businesses, capital is their oxygen. That's what they live and breathe and that's what's gives them the opportunity to stay in business and grow their businesses and employ people and help the economy recover."
Unlike the consumer-loan application process, which instantly displays the total cost of borrowing, Wonga for Business will have no instant decisions or predetermined interest rates because of the larger sums at stake and variety of risk factors.
Applicants must provide information about their company and its directors, who personally guarantee the loan. Wonga says the application process can be completed in 12 minutes, and money can be transferred to the business in as little as half an hour.
Wonga is the market leader for short-term, unsecured loans that can only be obtained online. It currently operates in Britain but is considering entering other markets such as Canada and South Africa in time.
Wonga's backers include Accel Partners, Balderton Capital, Greylock Partners, Oak Investment Partners and the Wellcome Trust. The company raised 73 million pounds in fresh capital a year ago.
($1 = 0.6189 British pounds)
(Reporting by Georgina Prodhan; Editing by Hans-Juergen Peters)
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Interest rates will be fixed at between 0.3 and 2 percent per week, depending on how risky the loan is judged to be.
Wonga uses automated risk-processing technology to give near-instant answers to online applicants, and turns down about two-thirds of applications.
It now aims to export its more popular features, including the simple application screen featuring sliders that can be dragged to the desired amount to be borrowed and repayment period, to the business world.
"We wanted it to have all the characteristics that people positively associate with Wonga in terms of transparency, simplicity, ease of use, speed ... and we wanted to bring that to small business," said Chief Executive Errol Damelin.
Wonga's business has boomed during the downturn as cash-strapped consumers who found it hard to obtain short-term credit elsewhere turned to it for loans of up to 1,000 pounds to tide them over for up to a month.
The company has been criticized for charging too much interest - it charges simple interest to consumers of just under 1 percent per day - and for targeting the vulnerable.
But Wonga says its transparency, strict acceptance criteria and low default rates, which are in the mid-single digits, show it is a responsible lender.
Because it does not take deposits, Wonga operates under a consumer-credit license, not a banking license, meaning it is not subject to the capital requirements that are currently preventing banks from lending more.
"What became crystal clear to us a year or so ago was that small businesses had maybe even more need than individuals for solving short-term cash-flow problems," Damelin, who is also one of the company's two founders, told Reuters in an interview.
"For owner-operated businesses, capital is their oxygen. That's what they live and breathe and that's what's gives them the opportunity to stay in business and grow their businesses and employ people and help the economy recover."
Unlike the consumer-loan application process, which instantly displays the total cost of borrowing, Wonga for Business will have no instant decisions or predetermined interest rates because of the larger sums at stake and variety of risk factors.
Applicants must provide information about their company and its directors, who personally guarantee the loan. Wonga says the application process can be completed in 12 minutes, and money can be transferred to the business in as little as half an hour.
Wonga is the market leader for short-term, unsecured loans that can only be obtained online. It currently operates in Britain but is considering entering other markets such as Canada and South Africa in time.
Wonga's backers include Accel Partners, Balderton Capital, Greylock Partners, Oak Investment Partners and the Wellcome Trust. The company raised 73 million pounds in fresh capital a year ago.
($1 = 0.6189 British pounds)
(Reporting by Georgina Prodhan; Editing by Hans-Juergen Peters)
View the original article here
View the original article here
More US government websites hacked by Anonymous
The loosely organized collection of cyber rebels said it attacked the FTC's consumer protection business center and the National Consumer Protection Week websites.
Both sites were replaced with a violent German-language video satirizing the Anti-Counterfeiting Trade Agreement, or ACTA.
ACTA was recently signed by several countries, but restrictions on online piracy have prompted a growing protest movement.
A call to the Trade Commission rang unanswered before business hours Friday. An email seeking comment was not immediately returned.
The organization's main home page appeared unaffected by the attacks.
Source: http://www.ap.org/
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Nikon Announces D800 Full-Frame DSLR Packs 36 Megapixels Camera.
With a 36-megapixel full-frame sensor, the $3000 Nikon D800 is built for huge prints, aggressive cropping, fashion shoots, and fat wallets.
Nikon today announced its second new full-frame DSLR of the year, the Nikon D800, which offers the same-size sensor as the Nikon D4 announced at CES 2012. The Nikon D800 will sit below the D4 at the high end of Nikon's DSLR line, offering more than twice the pixel density of the top-of-the-line D4. Nikon says that the D800 will eventually replace the Nikon D700 in the company's prosumer DSLR lineup, and that the new camera offers the highest-resolution Nikon sensor yet.
The D800's FX-format full-frame sensor captures 7360-by-4912-resolution images (36.15 megapixels), and its size, in-camera features, and target buyer all differ slightly from those of the 16-megapixel Nikon D4. Whereas the D4 is geared more toward high-speed shooting and low-light performance, the Nikon D800 puts image resolution front and center with its 36.3-megpixel sensor. Nikon says the D800 is built with wedding photography, portraits, and fashion spreads in mind. The combination of pixel density and sensor size should make the D800's output about as crop- and billboard-friendly as it gets outside a medium-format camera.
The D800's image resolution translates into a slower burst-shooting speed at full resolution when compared to the D4 (the D800 snaps 4 frames per second versus the D4's continuous shooting speed of 10 fps) and an ISO range that isn't quite as expandable as the one found in the D4 (the D800 caps out at ISO 25,600, while the D4 is expandable to a whopping ISO 204,800). Both new DSLRs offer a hot shoe for external flashes; but unlike the D4, the Nikon D800 also has a built-in pop-up flash, which can serve as a commander flash to control external Speedlight flashes. The D800 is also significantly smaller than the D4, at 5.7 inches wide, 4.8 inches tall, and 3.2 inches deep, as compared to the D4's 6.3-by-6.2-by-3.6-inch frame.
In addition to the similar sensor sizes, the D800 and the D4 share a few notable similarities, as well: Both are built around Nikon's latest Expeed 3 image processor; both offer 91,000-dot color-matrix metering; both employ a 51-point autofocus system; and both feature a "Dual Live View" mode that retains manual exposure settings while toggling between still- and video-capture modes.
The Nikon D800 looks as though it will be a popular DSLR for videographers ,thanks to manual exposure controls in video mode; 1080p recording at 30, 25, and 24 fps (as well as 720p video at 60 fps); and the ability to feed uncompressed video to a monitor or recording device via HDMI as it's being captured. A 3.5mm stereo mic jack supports recording audio with an external microphone, and the D800 offers the same in-camera audio monitoring and headphone jack as the D4.
In addition to the expected RAW mode, manual exposure controls, aperture-priority, and shutter-priority modes for a camera of its class, the D800 will have an automated HDR (high dynamic range) mode, automatic scene-recognition features, and an Active D-Lighting feature to bring out highlights in shadowy areas.
To speed up transfers of bulky 36-megapixel image files and 1080p videos, the D800 has a high-speed USB 3.0 connector (which will also work with USB 2.0 cables at a slower transfer rate). Storage is handled by two separate card slots--one for SDHC/SDXC cards, and one for CompactFlash cards--and shooters can define target cards for photos and videos separately, set one of the cards as a backup drive, and automatically jump between storage cards without interrupting video recording if one of them fills up.
The Nikon D800 is due in March at $3000 for the body only--about half the price of the higher-end Nikon D4. A second version of the D800, called the Nikon D800E, will also arrive in April. The D800E will eliminate the D800's integrated low-pass filter; Nikon says the filter-less D800E will provide a further boost to detail and image resolution at the expense of a visible moire effect in some images. The Nikon D800E will be priced at $3300 for the body only.
Source : http://www.pcworld.com
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The D800's FX-format full-frame sensor captures 7360-by-4912-resolution images (36.15 megapixels), and its size, in-camera features, and target buyer all differ slightly from those of the 16-megapixel Nikon D4. Whereas the D4 is geared more toward high-speed shooting and low-light performance, the Nikon D800 puts image resolution front and center with its 36.3-megpixel sensor. Nikon says the D800 is built with wedding photography, portraits, and fashion spreads in mind. The combination of pixel density and sensor size should make the D800's output about as crop- and billboard-friendly as it gets outside a medium-format camera. The D800's image resolution translates into a slower burst-shooting speed at full resolution when compared to the D4 (the D800 snaps 4 frames per second versus the D4's continuous shooting speed of 10 fps) and an ISO range that isn't quite as expandable as the one found in the D4 (the D800 caps out at ISO 25,600, while the D4 is expandable to a whopping ISO 204,800). Both new DSLRs offer a hot shoe for external flashes; but unlike the D4, the Nikon D800 also has a built-in pop-up flash, which can serve as a commander flash to control external Speedlight flashes. The D800 is also significantly smaller than the D4, at 5.7 inches wide, 4.8 inches tall, and 3.2 inches deep, as compared to the D4's 6.3-by-6.2-by-3.6-inch frame.
In addition to the similar sensor sizes, the D800 and the D4 share a few notable similarities, as well: Both are built around Nikon's latest Expeed 3 image processor; both offer 91,000-dot color-matrix metering; both employ a 51-point autofocus system; and both feature a "Dual Live View" mode that retains manual exposure settings while toggling between still- and video-capture modes.The Nikon D800 looks as though it will be a popular DSLR for videographers ,thanks to manual exposure controls in video mode; 1080p recording at 30, 25, and 24 fps (as well as 720p video at 60 fps); and the ability to feed uncompressed video to a monitor or recording device via HDMI as it's being captured. A 3.5mm stereo mic jack supports recording audio with an external microphone, and the D800 offers the same in-camera audio monitoring and headphone jack as the D4.
In addition to the expected RAW mode, manual exposure controls, aperture-priority, and shutter-priority modes for a camera of its class, the D800 will have an automated HDR (high dynamic range) mode, automatic scene-recognition features, and an Active D-Lighting feature to bring out highlights in shadowy areas.
To speed up transfers of bulky 36-megapixel image files and 1080p videos, the D800 has a high-speed USB 3.0 connector (which will also work with USB 2.0 cables at a slower transfer rate). Storage is handled by two separate card slots--one for SDHC/SDXC cards, and one for CompactFlash cards--and shooters can define target cards for photos and videos separately, set one of the cards as a backup drive, and automatically jump between storage cards without interrupting video recording if one of them fills up. The Nikon D800 is due in March at $3000 for the body only--about half the price of the higher-end Nikon D4. A second version of the D800, called the Nikon D800E, will also arrive in April. The D800E will eliminate the D800's integrated low-pass filter; Nikon says the filter-less D800E will provide a further boost to detail and image resolution at the expense of a visible moire effect in some images. The Nikon D800E will be priced at $3300 for the body only.
Source : http://www.pcworld.com
View the original article here
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