iPhone vs. BlackBerry - The Smart Phone Battle Heats Up

iPhone vs. BlackBerry - The Smart Phone Battle Heats Up
Last year, Apple (AAPL) upended the smart phone industry
with the release of the iPhone. This year, some analysts
wonder if the upcoming release of the Google (GOOG) Android
operating system could shake up the industry as well.

No, according to a new ChangeWave survey of 3,597
consumers, which finds the battle for smart phone supremacy
has transformed into a two-horse race between
Research-in-Motion's (RIMM) BlackBerry and the Apple iPhone.

RIM dominates current smart phone sales among consumers,
but the Apple iPhone shows tremendous momentum going
forward. At the same time, Palm (PALM) and its Treo
continue to struggle through extremely hard times.

RIM Rules Current Market, But Apple Is Gaining

RIM (42%; down 1-pt) maintains its towering lead in current
smart phone market share, even as number two Palm (16%;
down 2-pts) continues its two year losing streak. This was
the seventh-consecutive ChangeWave survey in which Palm's
market share has dropped.

Now within striking distance of Palm, the Apple iPhone (9%)
continues to score exceptional growth in the smart phone
market. Customer satisfaction ratings point out why. Smart
Phone Reviews

If customer satisfaction is a good indicator of future
growth, Apple occupies the sweet spot. An extraordinary
four-in-five iPhone owners (79%) report they're Very
Satisfied with their iPhone ' a significant lead over
number two RIM (54%) and far ahead of all other major
manufacturers.

We note that Palm (22%) again ranks at the bottom in terms
of customer satisfaction.

Going Forward: iPhone Has Momentum Looking ahead, better
than one-in-three (35%) respondents planning to purchase a
smartphone in the next 90 days say they'll purchase an
Apple iPhone ' a 12-point leap since the previous survey in
January.

RIM (29%) comes in second ' down 3-points from previously,
while Palm (3%) looks set to take yet another big hit,
falling 5-points.

The Apple surge in planned buying is at least partially
attributable to the recent flurry of announcements
regarding the iPhone's Software Development Kit and its new
2.0 Operating System. A total of 10% of respondents say
this new development has made them More Likely to buy an
iPhone in the future.

Mobile OS - The Androids Are Coming?

We also asked respondents which mobile operating system
they'd like to have on the phone they plan on buying. As
expected, the consumer market is dominated by the popular
RIM and Apple smartphone operating systems.

Note that the Google Android OS isn't being offered yet to
the general public, and it's still too early to gauge its
full impact. However, the survey sheds initial light on the
smart phone market potential for the Android.

While just 2% of respondents say they're Very Likely to use
the Android operating system, another 15% say they're
Somewhat Likely.

"These numbers do show some consumer interest in the
Android Operating System," says Tobin Smith, founder of
ChangeWave Research and editor of ChangeWave Investing.
"But based on the ultra-competitive battle between RIM and
Apple, there's little likelihood of the Android gaining
traction on either one's OS. They're sucking up all the
oxygen in this market."

"The Android's potential niche appears to be with a handful
of second tier smart phone players like HTC," he added

Another Two-Way War - But Among Service Providers

Beyond the RIM vs. Apple battle there is another two-sided
war ' this time among cellular service providers ' with
Verizon (VZ) (31%; up 1-pt) maintaining a slim lead over
AT&T (T) (29%; up 1-pt) in current market share.

But over the next 90 days, AT&T (28%; up 3-pts) appears all
set to get a boost based on Apple's recent well received
announcements. As Apple planned buying increases, so does
AT&T's because of their exclusive carrier agreement with
Apple.

Going forward, Verizon (22%) registers a 1-pt uptick in
planned buying. Later this month, we will release a
follow-up ChangeWave report with additional insight on
consumer likes and dislikes for the major smart phone
manufacturers. You'll be able to access the report at the
link immediately below.

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For the latest ChangeWave news on technology trends and
companies, visit:
<a
href="http://blog.changewave.com">http://blog.changewave.com
</a>.
The ChangeWave research network is composed of 15,000
highly qualified business and technology professionals.
Members are surveyed on a range of topics, and the findings
are converted into quantitative and qualitative reports.

Recession - Are We There?

Recession - Are We There?
Recession, it sounds like a dirty word doesn't it? Well
unfortunately, it is becoming a reality for the US economy.
So what, if any impact will this have on you?

The majority of people worry that they may be laid off from
their job, that inflation will take hold, or that they will
be forced out of their home due to lack of funds. These are
all legitimate concerns. So what are you going to do about
it?

These are just a few of the options that you might be
considering.

Option #1 - More Education

You might be thinking that more education or an advanced
degree will secure your position at work or increase your
paycheck. However, this will require extra hours away from
your family with no guarantee of job security or pay
increase.

Option #2 - Another Job

Another option would be to get a part time job to
supplement your income. However, once again this will take
time away from your family and could leave you feeling
exhausted and less productive at your full time job.

Option #3 - Start A Business

You could choose to start your own brick and mortar
business. Unfortunately, this often requires high start up
costs and being married to the business. When you add in
things such as overhead, employees, and insurance, the
headaches are never ending. That doesn't even include the
fact that 4 out of 5 small businesses will fail within
their first 5 years in business.

Option #4 - Real Estate

Real estate investing is another option. House flipping has
become a popular side job. However, in a decreased economy,
you could be sitting on a property for months. Unless you
can afford to ride out the market, it might not be such a
great option.

Option #5 - Internet Marketing

This is where it starts to get good. There are more
millionaires being created online than with any other
venue. Thanks to low start up costs, decreased risk, and no
overhead or employees, internet marketing is quickly
becoming a phenomenon. Best of all, you get to work from
home and have a 10 second commute.

Even in times of economic instability, the online world is
buzzing. That is because so many people are looking to the
online industry as a source for earning additional income.

It is strongly advisable for you to take some time and
research this growing trend. What some have been able to do
offline with their home based businesses is multiplied
exponentially online.

We have been able to achieve success and wealth online in a
few short years that would have taken a lifetime to do
offline. Take a look. We think you'll be pleased with what
you find.

----------------------------------------------------
To learn more about Brian McCoy and his online marketing
techniques, visit http://www.BigTicketWealth.org .
About the Author: Brian McCoy is an industry leading
internet marketer and President and CEO of McCoy Marketing
Group. His mission is to develop leaders into full time
home business entrepreneurs.

4 Tangible Benefits To A Commercial Mortgage Refinance

4 Tangible Benefits To A Commercial Mortgage Refinance
If you're in business for yourself you know that profit
margins can be razor thin; consequently you're always
looking for cost reduction ideas and how to increase
profitability.

Instead of cutting the quality of the goods and services
you offer your customers ' which could subject you to
customer backlash ' reduce your expenses and slash your
interest payments by considering a commercial mortgage
refinance.

Regardless of whether you carry loan balances for revolving
debt, capital improvements, research & development,
payroll, etc., you sometimes need ready access to cash. In
business, the difference between turning a profit or
posting a loss can sometimes be a few pennies per item.

If you carry loan balances, a reduction in interest rates
of as little as a single percentage point through a
commercial mortgage refinance could mean an extra few
thousand dollars to your bottom line each and every month.

You may have a great working relationship with your local
banker. Maybe you're friends or you play golf together.
Friendships and relationships are great, but if that
friendship causes your profitability to fall or your
business to suffer, it's time to look to a knowledgeable
mortgage broker who can help put your business back on
course. Here are just a few of the benefits to using a
commercial mortgage refinance:

LOCK IN A LOW FIXED INTEREST RATE - When you signed on the
dotted line for your original business loan, it may have
made perfect sense to have an adjustable interest rate
because rates were pretty consistently falling. Now, rates
are all over the map.

Forrest Gump said "Life is like a box of chocolates. You
never know what you're gonna get..." You can't afford for
your interest rates to fluctuate that wildly. If your
rates are as fickle as the good will of your employees,
it's time to lock into a lower fixed rate by refinancing
your commercial loans. Doing this will give you proven
savings and performance you can count on.

REDUCE YOUR PAYMENTS - There aren't too many expense
categories your business has that won't cost you money in
the long run. You can cut your payroll, but in so doing
you run the risk of alienating customers by reducing the
level of customer service they receive, which could
potentially come back to haunt you ' especially if your
main competitor has better customer service.

By refinancing your current debt, the savings goes into
your pocket and you can decide whether to allocate it to
another business expenditure or to apply it to a
richly-deserved vacation.

GIVE YOURSELF BETTER OPTIONS - Market conditions can change
at the drop of a hat. At one time it may have made perfect
sense to have a repayment term of 10 years on your
commercial loan. If conditions have changed ' or your
goals have ' you may need or want to change your repayment
term to five years or 15 years. By refinancing, you can
get the term that takes your business where you need it to
go.

COMBINE MULTIPLE LOANS - If you have multiple commercial
loans with varying interest rates, due dates, and maturity
dates, you may feel as if you're in the business of making
loan payments. If you want to cut down on administrative
tasks, you can refinance multiple loans or lines of credit
into a single loan, with a single due date, that can same
you time and ' more importantly ' money.

Going into business for yourself is easy, but knowing how
to increase profitability despite increasingly treacherous
market conditions, competitive factors, etc., can help put
your mind at ease.

If it was as simple as slapping a sign on a building,
everyone would be running a successful business. You need
to implement effective cost reduction strategies and have
the intuition to know when to hold 'em, know when to fold
'em...and know when it's time to use a commercial mortgage
refinance.

----------------------------------------------------
Darrin Roseborsky is a Refinance Specialist with OMAC
Mortgages, seminar speaker and president of the Roseborsky
Group and HomeRefinanceCoach.com. Darrin shows people how
to MAXIMIZE their equity PROPERLY and how to choose options
that make the MOST SENSE for their situation! An example of
exactly how this works, is at:
http://www.homerefinancecoach.com

A Review of the All World HYIP Opportunity

A Review of the All World HYIP Opportunity
If you are looking for an excellent online investment
opportunity, then you should look into the All World HYIP
program. This is a fantastic solution to your investment
and financial needs. There are many reasons why choosing
All World HYIP is a good idea.

The All World HYIP is an international online investment
firm that can help you make the most out of your money.
They are setup in many different languages and offer
translators for people from other countries if you don't
speak English. Some of the different languages their
translators speak include but are not limited to Spanish,
German, Italian, Russian, and more. You don't have to
worry about a communication gap if you are investing with
them.

There are many different plans you can choose from when
becoming an investor with All World HYIP. The A plan
offers a 1-3% monthly accrual on your money and the minimum
deposit is $300. Payments for this plan are on every 10th
of the month. The B plan offers a 2% accrual on your money
with a minimum deposit of $400. Payments for interest are
made on every Monday of the month. The C investment plan
offers a 5% accrual of interest for a term of 50 weeks.
The minimum deposit is $700 and payments of interest are
made every Monday also.

The D plan offers a 20% interest accrual for a 10 week term
with a minimum deposit of $800. Payments on this plan are
also paid every Monday. The E plan offers a 50% interest
accrual and is a shorter term plan at only 4 weeks. The
minimum deposit for this plan is $1000 and payments on
interest are also made every Monday. For the investors
with more money, the E plan pays out 30% in only 5 days
time and the minimum deposit is $3000. Payments are made
on a daily basis, 7 days a week.

The most you can deposit with the All World HYIP investment
program is $100,000. They accept payments from Liberty
Reserve or e-gold only. If you do not have an account with
either of these online financial institutions, then you
must create one. All accounts are free to create. Your
deposits are made automatically into your accounts. You
can also withdraw money anytime from your All World HYIP
investment program.

It is important to remember that making money is not always
guaranteed when you open an All World HYIP account and
become an investor. It is always a risk when you invest in
any HYIP.

All World HYIP gives you the opportunity to become an
investor online and meet your financial goals much easier
than most investment companies. They have many different
plans for you to choose from to match the right investments
with the right people. Just don't forget these programs
have been known to take a change for the worst in a heart
beat, so do your research, have fun and prepare to never
see your money again.

----------------------------------------------------
Learn the Lemons from the Straight MLM Winners at
http://www.MLMreviewKings.com/trivita.html
from Brian Garvin and Jeff West at
http://www.MLMreviewKings.com .
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