BlackBerry Onyx (Bold 9700)

First, the "onyx" became branded with a 9020 device model, which recently changed again to become the BlackBerry 9700 and now for sure will be labeled as the BlackBerry Bold 9700. Hardware-wise, compared to unit featured in this review, a few other things have changed, namely the device will feature a touch sensitive trackpad (as seen on the Curve 8520) instead of the trackball, and the BlackBerry Bold 9700 will also feature a leather back on it. And above the battery door, engraved into the rubber will be the word "Bold". Keep in mind the BlackBerry Bold 9700 will come in two versions - one for AT&T/Rogers/Europe and another version specificially built for T-Mobile in the USA, which features T-Mobiles 1700Mhz HSPA bands.

Unlike the Magnum, Blackberry Onyx does not have a touch screen, although some remains of an interesting Blackberry, because its technological specifications include the same optical trackpad for the first time used on BlackBerry Gemini.

BlackBerry Underground appeared on, the picture shows exactly BlackBerry Onyx 9020 and the Gemini in comparison. For all we know so far, the BlackBerry Onyx will be issued by AT & T from T-Mobile later this year. The smartphone will integrate 3G connectivity, GPS, Wi-Fi and a screen resolution of 480×360 pixels.

The first rumors about the BlackBerry Onyx dated over a month and a half ago. This weekend, the boys of Crack Berry a prototype of the aircraft maintenance.

Ipod Touch 2G

The iPod Touch uses the same operating system as the iPhone, which is a (massively) slimmed-down version of the "OS X" operating system used for Apple's Macintosh computers. The Mobile Safari browser is based on Apple's desktop Safari browser (though it doesn't support Flash content), but the user interface is completely different. The iPhone/iPod Touch UI is designed from the ground-up for fingers and small screens rather than the mice and relatively large screens of desktop and laptop computers, and every other phone vendor has been scrambling to catch up with it.

The iPod Touch is no longer just a media player, as the "iPod" name suggests; it's a prime representative of Apple's handheld computing platform, supported by a huge (and growing) third-party community. Yet it's controlled entirely by Apple, with Apple deriving revenue from every component — from the initial sale to third-party applications, accessories, licensing and distribution.

Apple's business bonanza aside, buyers get a mobile, networked computer with a revolutionary user interface and a thriving ecosystem of add-ons and software that dramatically increases its value after initial purchase. We've come a long way from the original iPod Touch and its "OS X 1.0" software, which served as an advance scout for something much bigger (like the original Macintosh 128K did).

iPhone OS 2.0, included on every iPod Touch now sold, has really changed the platform, making the original iPod Touch, too, much more useful than it was when purchased. This stands in marked contrast to all other "iPod" models, which are rarely upgraded by Apple and bear no real similarity to the iPhone/iTouch platform.

With OS 3.0 coming in a few months, this platform clearly has a future ahead of it. Like a traditional Mac or PC, it will be useful for more tomorrow than today. That's a huge value (though this may be offset by the need to replace incompatible old accessories).

If you already have the original iPod Touch, the second generation offers a few upgrades — speaker, volume controls, faster CPU, more storage, microphone capability — which may not be enough to justify buying a new iTouch and dealing with the compatibility issues it has with previous accessories. But if you don't own the first generation iPod Touch, and you don't have, or plan to get, an iPhone, this is a great entry into a major platform that is already very useful with a great future ahead.

Iphone 4G

Cellphones, Mobile Handsets
iPhone 4 review
By Joshua Topolsky posted Jun 22nd 2010 6:01PM
Review
The iPhone 4 is no small thing to review. As most readers of Engadget are well aware, in the gadget world a new piece of Apple hardware is a major event, preceded by rumors, speculation, an over-the-top announcement, and finally days, weeks, or months of anticipation from an ever-widening fan base.

The iPhone 4 is certainly no exception -- in fact, it may be Apple's most successful launch yet, despite some bumps on the road. We've already seen Apple and AT&T's servers overloaded on the first day of pre-orders, the ship date for the next set of phones pushed back due to high demand, and die-hard fans in line outside of Apple locations a week before the phone is actually available. It's a lot to live up to, and the iPhone 4 is doing its best -- with features like a super-fast A4 CPU, a new front-facing camera and five megapixel shooter on the back, a completely new industrial design, and that outrageous Retina Display, no one would argue that Apple has been asleep at the wheel.

So the question turns to whether or not the iPhone 4 can live up to the intense hype. Can it deliver on the promises Steve Jobs made at WWDC, and can it cement Apple's position in the marketplace in the face of mounting competition from the likes of Google and Microsoft?

Consistent Profit on Forex

There are many tips out there that "show" you how to win at Forex, but not all of them can make you succeed online. First things first, let us start at the premise no material or "guru" can guarantee you achieve financial success consistently at Forex, the only person who can do that is you. The materials and forex education programs are developed to help you plan your trade and develop within you the discipline and tap the side of you who wants to win at Forex.

You do not want to win in Forex, you want to earn big CONSISTENTLY. There are wins out there and there are losses, and your fear of losing cannot be fixed by any medicine, but the only way to eradicate this fear is by understanding. And by understanding foreign exchange, there is knowledge and success.

Here are four simple steps in eliminating fear and achieving financial success at Forex.

1. Get Currency Education. The basis of all understanding is opening your mind to ideas and methods you may or may not have encountered before. Getting Educated with a credible Forex Course is the starting point of achieving the results you want.

The tricky part is there are a lot of information sources out there, choose wisely in whatever course you may go into. Free courses are great, but paid courses have credible persons behind it, such as Forex mentor. Education in Forex is like school or a university, private investment in education is an investment here that can pay you back tenfold.

2. Finding the best trading method. How will you know if it is "best" for you? Here is a simple tip, no matter how complex or simple a forex method is for you, you cannot succeed if you cannot understand and apply it.

There are methods out there that may seem complex, and one may find a complex method "more effective" in one way or another. The truth is that a complex method is just a combination of some simple ones used in an awkward manner. Find a method that you can easily understand and apply.

3. Discipline and Sacrifice. Sacrifice may mean negative to some of us, but technically, sacrifice is one's giving up of a lesser thing to gain a bigger thing. In Forex, some losses may be the "lesser thing" I was talking about, and the bigger thing you may get is education and experience. Adding it with time, and the bigger thing may not be only the education and experience, it is certain that so is your profits!

Discipline is another way to put the word consistency. If you cannot be consistent at Forex, there is no learning, and when there is no learning, there is no consistent profits. Taking time to study and discover new methods and approaches and sticking to it is what makes winners.

4. Be simple. Forex doesn't have to be that hard on you! Over analyzing things, especially in Forex may just cause stress and occasional headaches. When analyzing trends and methods, look at the bigger picture in you mind, this will become clear and open you ideas you may not have seen or heard before.

If you know how to trade in the end of day basis, you will discover that you can be financially successful and rich with Forex. It requires less time, less stress, more patience and a different Forex trading method /rules than Day Trading.

Forex Trading is truly an option to create wealth and time freedom at the same time. Even successful traders experience loss, but following the four simple steps above can remove the side within you that has the fear, and lets out in you a side that wants to win.

WOW Money!

Not enough money to buy the equipment you need? The amount of money you need for your epic flyig mount seems impossible to get? Looking for a good method to make WoW money? I know your frustration, I've been there too. Therefore, in this article I will show you how to make WoW money at a decent rate, even if you don't have an epic flying mount.

This is my number one method to make WoW money and even if it's easy to apply, it has some requirements. In the next paragraph I will tell you what you need to have on your character to be able to apply this method.

The requirements of my number one method to make WoW money

As I said you don't need an epic flying mount to do this, actually this being my way of making the money I need for my "bird". However, ground epic mount is a good thing to have. You'll be needing to move as fast as possible to be ahead your competitors. The second requirement is mining. To make WoW money my way, you need minimum 275 mining skill, to be able to dig up Thorium. The third thing you need is 250 skill in jewelcrafting, to be able to prospect the thorium. For this method to make WoW money go smoother, it's a good thing to be at least level 67. This way you will minimize your aggro and you will be able to move easily throughout the mobs. Last but not least, you need to be extremely sharp. You need to spot and pick up all the ore that you see on your radar, because that is your money. As you may see, my method is based on mining thorium and prospecting it. In the next part of this article I will reveal exactly how to do it and where to do it.

My number one method to make WoW money

The best place to gather Thorium is Silithus. The places with the highest concentration of this metal are at the three insect hives located to the North, South-East and South-West. I usually start at the northern lair. When I've drained all the resources at one of the lairs, I simply move to the other. After finishing with the third, I go back to the first. By this time, new Thorium nodes should be up again at the first location. As I said at the requirements section, it's a good thing to be level 67+ to avoid the aggro easily and focus on the mining.

After an hour of mining here I end up with 5 stacks of Thorium ore. Now, even if you don't have jewelcrafting, you can sell the ore at the Auction House, or turn it into bars and sell them (whichever are more expensive).

Sometimes the thorium price goes up to 50g per stack because this metal is very needed especially for engineering, jewelcrafting and blacksmithing. If you have jewelcrafting (250+ skill) it's even better. Prospecting the ore you can get even more cash then just selling the pure ore. For example, after a one hour session last night I got 5 stacks of thorium as usual. Prospecting them I ended up with: 5 Huge Emeralds (25g a piece), 6 Azerothian Diamonds (20g a piece), 4 Large Opals (18g a piece), 4 Blue Sapphires (18g a piece) and 5 Star Rubies (9g a piece). This brought me a total of 434g. Not bad for an hour of mining/prospecting.
As I said this is my number one method to make WoW money and it works perfectly for gathering your cash for the epic flying mount.

Long Lines = Extra Money

Disneyland is one of the most popular attractions in the world. They bring tens of thousands of people to their gates every day. Like any other amusement park in the world you have to prepare to serve your time in line. Nevertheless, there are still some things that you can do in order to avoid long lines during your Disneyland visit. Here are some of them.

Arrive At The Park Early

As the saying goes, the Early Bird Gets The Worm, in this case your worm would be the comfort of not having to wait in extremely long lines and seeing most of the park while others are still stuck in line. Beating the crowd is definitely effective here at Disneyland. statistics show that park lines are always shorter during the morning.

Take this advantage by visiting the popular attractions and rides first. Create a game plan with your family and map out where you need to be to hit the best and most popular rides first. With this plan you will be able to visit the minor attractions during mid-day when all other people are busy lining up for the major rides.

Arrive Later

Another way to avoid lines would be by targeting the popular rides and attractions much later in your day. However, this strategy is only recommended if you really can't be there early. If you access the best rides during the evening hours, there will be fewer lines to fall into on your part.

Dinner time is a good time to go for the popular rides. You can expect that everyone else will be hitting the restaurants and having their magical Disney dinner. Dinner time is also parallel to a majority of entertainment shows. You can expect that a bulk of the park visitors will definitely be off somewhere else.


Take Advantage Of The FastPass Ticketing System

Everybody needs a FastPass. Which is great for you since everyone gets a FastPass no matter what kind of ticket they purchased. Although it entail a little planning, this system could really pay you big dividends especially with saving time.

To make the most out of this system, your best bet would be reserving tickets early and targeting the more popular rides during the morning. Another advantage is that you can get these tickets through phone or on the Internet. This type of ticket is only offered for the most popular attractions and busiest rides.

You could may get a FastPass through the FastPass automated machines that can be found near the FastPass equipped rides. These machines are fast and easy to use. Don't expect to be placed in front of the line. The FastPass allows you to make a reservation with the ride while you go do something else.

Fund Travel Pricing

PURPOSE

Funds transfer pricing is an internal measurement and allocation process that assigns a profit contribution value to funds gathered and lent or invested by the bank. It is a critical component of the profitability measurement process, as it allocates the major contributor to profitability, net interest margin.

BACKGROUND

Financial institutions act as intermediaries of deposit and loanable funds. The institution's business units routinely receive funds from their depositing customers and other third parties. These funds are subsequently invested in loans and investments, sometimes through different business units, to borrowing customers and other third parties.

Financial agreements between the financial institution and its customers described the amount, term and interest rate of funds collected and invested. The interest payments on these funds contribute to the institution's overall net interest margin.

The institution's net interest margin is the difference between interest revenue earned on funds used to acquire assets less the interest expense on funds gathered. The institution's net interest margin, and the value of its financial contracts fluctuate as market conditions and the underlying cash flow of the funds change over time.

Business units and customers participate in the continuous funds intermediation process that creates the net interest margin. However, the contribution to the net margin and value is not equal by all participants. Business units and customers rarely provide the same amount of funds as they use. The discrete contribution of funds transformed within the intermediation process must be measured and assigned when assessing their overall profit contribution of business units, products and customers. This is the function of a funds transfer pricing process.

COMMON FTP METHODOLOGIES

Numerous transfer-pricing methods have been advanced in order to address the issue of identifying the net margin and value contribution of funds gathered and used. Most of the suggested methods fall into one of two major categories: pooled approaches or specific assignment approaches. Under either of these two general approaches, a transfer rate is assigned to the funds provided or used. The transfer rate provides the basis for the allocation of contribution to the institution's overall margin.

Under pooled approaches, funds are assigned to one or more pools created under a pre-defined set of criteria. Criteria for pool classification may be based on type, term, repricing term, origination, or other fund attributes. The transfer rate assigned to individual pools is derived either internally, based on actual rates earned or paid, or alternatively, by market-derived interest rates.

Single pool - Single Rate method's choice of transfer rate biases contribution measurement results. Under the single pool method, a transfer rate based on the cost of funds favors net fund user's contribution. Transfer rates based on asset yields favors net funds provider's contribution.

The shortcoming of a single pool FTP mechanism is that it assumes all funds have equal importance to the financial institution. Because a single rate applies to funds equally, the method does not differentiate value based on the attributes of the funds provided or used, nor market conditions at the time of transaction origination.

Multiple Pools - Multiple transfer rates methods go beyond simple pool methods by including fund attributes, primarily their maturity, when assigning a contribution value to funds. Under this approach, numerous pools are created, each spanning a unique segment of the maturity spectrum. The assigned transfer rate of each pool is based on its maturity and prevailing interest rates. Long maturity pools receive a long-term rate, while short-term pools receive a transfer rate reflective of their shorter tenor. Other unique fund attributes may also be considered when assigning a contribution value.

The number and nature of the pools created should reflect the major maturity aspects of the balance sheet, which varies by institution. Each pool's transfer rate is representative of the prevailing market rate for its term. Because the transfer rates are based on market rates, the determination of contribution value reflects the competitive nature of the financial intermediation process. Funds provided at rates below the prevailing market rates are accorded greater contribution value. Funds employed at rates above the prevailing market are accorded greater contribution value.

When determining the ongoing source of transfer rates used in multiple pool approaches, two alternatives are available. The first alternative is to use contemporary market rates, while the second alternative is to use market rates prevailing at the time of transaction origination.

Multiple pool approaches that use contemporary market rates lack the ability to benchmark management decisions made at the time of initial transaction pricing. To evaluate pricing decisions for transactions originating in prior periods, the contribution value must be benchmarked against the prevailing rates at time of origination. To address this condition, a variation of the multiple pool method creates a series of pools of a historical nature.