Archive for December, 2007

Rumor Mill: Google phone in two weeks

December 27, 2007

According to reports coming out of India, Google will launch a mobile phone in the country within the next two weeks. A report from Rediff claims that Google is in talks with Indian carriers Bharti Airtel, Vodafone Essar and state-owned Bharat Sanchar Nigam for exclusive carriage deals for the device. The report goes on to say that Google will launch the device in the U.S. and Europe in the next two weeks as well. The company reportedly plans to invest $7 billion to $8 billion for its “global telephony foray.”

A Google spokesperson told Rediff: “We don’t comment on market rumor or speculation. However, Google is committed to providing users with access to the world’s information, and mobile becomes more important to those efforts every day. We’re collaborating with partners worldwide to bring Google search and applications to mobile users everywhere. However, we have nothing to announce at this time.”

Get your FREE report!
A begin shaving hours off your work day!
Go to: http://www.robertlett.com NOW

An Individual Armed with Information
Controls the Course of Negotiation
Have all your files with you in the form of a
cell phone you probably already carry – 24/7!
http://www.robertlett.com

Why are so many banks going under – Why are there so many foreclosers???

December 24, 2007

I talk to many people each week that are in foreclosure, and I hear the same thing over and over again, “I didn’t know my payment was going to go up THAT much at the end of my ‘interest only’, ‘adjustable rate mortgage’ loan.” It’s sad that these people aren’t told that at the end of their interest only ARM, the payments are going to go up!

And if their credit isn’t the best in the world, they may end up with a conventional loan with an interest rate at around 2% or more above what they have had previously, this will calculate to a little over twice if not almost triple the payment they had while holding an interest-only loan. And nothing was explained to them while they were getting the loan, at least most of them didn’t understand those possible ramifications, hence how they end having their home foreclosed on.

One of the laws that lenders are required to follow that states they won’t lend to someone who can’t afford to pay the loan payment at their current income level. It’s technical name is ”Preditary Lending”. Eventhough they can easily afford the interest only payments at the beginning, after the 3 to 5 year ARM expires, and they are required to refinance with a non-interest only loan, the payments can almost triple and their current income won’t handle the new payment. Even with a good dose of appreciation and not taking any money out during the refinance, they can still be in a lot of trouble.

Get your FREE report!
A begin shaving hours off your work day!
Go to: http://www.robertlett.com NOW

An Individual Armed with Information
Controls the Course of Negotiation
Have all your files with you in the form of a
cell phone you probably already carry – 24/7!
http://www.robertlett.com

More eyeballs for newspapers online

December 20, 2007

The number of people visiting U.S. newspaper Web sites rose 3.7 percent year over year during the third quarter, even as their print editions reported lower advertising sales.

More than 59 million people, or 37.1 percent of all active Internet users, visited the papers’ Web sites during the quarter, up from 56.9 million a year ago, the Newspaper Association said, citing data supplied by Nielsen/NetRatings.

The results, which the association is releasing Wednesday, also show that Internet users spent an average of about 43 minutes per month on newspaper Web sites, up 4 percent over the same period a year ago.

This is an important measure for advertisers who want to see that people are spending time on Web pages that contain their ads, rather than making a quick visit and departing.

In addition, newspaper Web site visitors generated 2.8 billion page views per month during the quarter, up from 2.5 billion in the quarter a year ago.

The results come after several publishers, including Tribune Co., Gannett and McClatchy reported higher online advertising revenue as some of their print papers suffered.

Separately, the association plans to release a new report on Wednesday to convince advertisers that their papers attract the readers they want to reach.

According to the report, which was compiled with data from Scarborough Research, newspapers and newspaper Web sites reach 77 percent of adults in a given week. They also reach 65 percent of adults aged 18 to 24 and 69 percent of adults aged 25 to 34.

Total newspaper readership rises with household income, the report said, showing that newspapers reach 56 percent of people with income of less than $10,000 a year, but 85 percent of people with income over $100,000 a year.

More educated people also are more likely to be newspaper readers, according to the report. It said newspapers reach 61 percent of people with some high school education, but 89 percent of people with postgraduate education.

Get your FREE report!
A begin shaving hours off your work day!
Go to: http://www.robertlett.com NOW

An Individual Armed with Information
Controls the Course of Negotiation
Have all your files with you in the form of a
cell phone you probably already carry – 24/7!
http://www.robertlett.com

Verizon shows off its future tech

December 17, 2007

BASKING RIDGE, N.J.–Intelligent services are on the way for Verizon Communications customers as the company expands its fiber-to-the-home and 3G wireless networks.

Imagine how much easier life could be if your phone company’s network was smart enough to route your messages to the device you’re using right now, freeing you from keeping track of independent and separate e-mail, SMS, and instant messaging accounts.

Or what if you could start playing your favorite game, Bejeweled, on your PC and then continue playing the same game without interruption on your cell phone as you leave the house to commute to work.

For Verizon customers, services such as these may be just around the corner. Last week, Verizon invited several members of the press to its development facility here, where Chief Technology Officer Mark Wegleitner and his team of executives showed off how some of these innovative services might work.

While many of these services are technically possible today, none is offered yet by Verizon. Executives were careful not to make big promises, but the applications and services they’re showcasing are just the tip of the iceberg in terms of new services that are possible using Verizon’s all-fiber network called Fios and the newly expanded 3G wireless network of Verizon Wireless, its joint wireless venture with Vodafone.

But new, faster pipes are only part of Verizon’s story. The company plans to use these pipes to integrate services in an intelligent fashion so that content can be delivered on any device whether it be the TV, PC, or cell phone. And the services will be smart enough to know which device you’re using on which network and if you’re available for a phone call, IM chat, or video conference.

“It’s all about the cooperative processing and cooperative activity between the network and the devices at the consumer home,” Wegleitner said. “There’s been an ongoing debate about whether intelligence should be on the end devices or in the network. But the answer is really that it needs to be in both.”

AT&T has also been touting the same philosophy with its “three screen” strategy, which would allow people to access all of AT&T’s content and services on a cell phone, PC or TV. Meanwhile, some cable operators have struck a deal with Sprint Nextel to offer integrated cell phone service with their TV and broadband services.

“All the major phone companies and cable operators see this strategy of integration as the future,” said Charles Golvin, an analyst with Forrester Research. “But where Verizon and AT&T have a lead is really being able to integrate services across the wireless platforms.”

Indeed, the idea is that if Verizon can pull these services together better than anyone else, it will differentiate its services from its cable competitors.

Here’s a peek at some of the services the company could offer in the future:

IM for the masses: Verizon has big plans for instant messaging and the notion of presence. Today, IM only works between IM clients that reside either on a PC or a cell phone. Using intelligence built into the network, Verizon can take IM across platforms and integrate it into the cellular messaging platforms of SMS and MMS (multimedia messaging service). For example, someone could take a picture with their cell phone and using MMS send it to someone who is sitting at a PC logged on to IM.

Using advanced “presence” technology, which essentially knows whether a person is available, the network can route the message in the appropriate format to whichever device that person is using.

“Today services are tied to a device,” said Michael Weintraub, director of business services innovation at Verizon. “What would be better is if services were tied to the user, so that when the user accesses a service, he can do it from any device depending on the need.”

If this idea sounds familiar, it should. It’s the same basic concept of “unified communications” that Cisco Systems and Microsoft have been touting for more than a year. While solutions from Cisco and Microsoft are geared toward business customers, a service like this offered by Verizon could be offered to consumers, Weintraub said.

Souped-up presence: Today, presence, which is mostly associated with IM, is managed manually. Users must tell the IM client if they are busy or available and their status is displayed in their buddy list. Using a combination of IP Multimedia Subsystem (IMS), which is an architectural framework for delivering IP multimedia to mobile users, and Web 2.0 technologies, Verizon can extend this notion of presence so that the network automatically knows someone should be left along because the person is watching the final game in the World Series. Or it can tell if someone has turned on a cell phone and is ready to accept calls on that device instead of on the home or office phone.

Of course, the biggest issue with services that use this level of intelligence to detect presence is privacy. Verizon executives said any service that offers information about where and which devices subscribers use would also have the option to go “off network,” so that a person’s presence could not be detected.

Still, questions about Verizon’s ability to collect such sensitive and detailed user information might make some consumer groups and privacy experts nervous.

“There’s no question that integrating technologies to enhance presence is a useful concept,” said William Goodman, director of multimedia services architecture for Verizon. “But this is just a lab demonstration. And the appropriate privacy and operational policies would have to be worked out before this could be a service. That said, Verizon is also very serious about protecting customer information.”

Get your FREE report!
A begin shaving hours off your work day!
Go to: http://www.robertlett.com NOW

An Individual Armed with Information
Controls the Course of Negotiation
Have all your files with you in the form of a
cell phone you probably already carry – 24/7!
http://www.robertlett.com

Lucrative future for mobile TV

December 12, 2007

Global mobile-TV revenues will exceed $6.6 billion per year by 2012, as the potential market for the service grows tenfold.

According to Juniper Research, mobile-broadcast TV services will be available to 120 million mobile users in 40 countries by the next decade.

However, there are a few technological hurdles to overcome in the meantime–such as handset and spectrum availability, and the level of investment.

“It will take a good five years after services are rolled out for networks to start recouping their investment, but the market is there,” report author Windsor Holden said.

Juniper’s stance appears almost unrealistically optimistic, considering the slow start that mobile-broadcast TV has had in the United Kingdom. The only real commitment so far has come from Virgin Mobile, which launched a mobile-television service back in 2006. However, in July of this year, Virgin announced it would be pulling the plug on the service, after only reportedly signing up around 10,000 subscribers.

Holden acknowledges that Virgin’s service had its drawbacks but said mobile TV is already popular in other countries.

“Virgin made a lot of mistakes,” Holden said. “The service only had four channels. It only launched on one handset. The quality of the service wasn’t great. If you compare this with 3 Italia, which launched a mobile-broadcast TV service 16 months ago with more handsets, a differential pricing policy and bundling with other services, it’s managed to sign up half a million subscribers in less than 12 months.”

Holden predicted that the traditional early adopters, in countries such as Japan and South Korea, would probably be the most lucrative markets for the service, though he admitted that even by the next decade, revenues will be a drop in the ocean compared to global TV spending as a whole.

Get your FREE report!
A begin shaving hours off your work day!
Go to: http://www.robertlett.com NOW

An Individual Armed with Information
Controls the Course of Negotiation
Have all your files with you in the form of a
cell phone you probably already carry – 24/7!
http://www.robertlett.com

Verizon Wireless offers new BlackBerry plans

December 9, 2007

Verizon Wireless has introduced new email and data plans for its BlackBerry users. The new plans will coincide with the launch of the Pearl 8130 (photo) for Verizon Wireless subscribers. BlackBerry users who purchase a voice plan through the carrier will now have the option of subscribing to the E-Mail and Web for BlackBerry service for $29.99 a month. Data only users will pay $34.99 per month with unlimited email and Internet browsing. The new Pearl 8130 will cost $249.99 after a $50 mail-in rebate and two-year contract.

Get your FREE report!
A begin shaving hours off your work day!
Go to: http://www.robertlett.com NOW

An Individual Armed with Information
Controls the Course of Negotiation
Have all your files with you in the form of a
cell phone you probably already carry – 24/7!
http://www.robertlett.com

Verizon Wireless to go open access

December 4, 2007

Verizon Wireless announced plans to open its network to allow subscribers to connect any device and to use any application as long as it meets some “minimal technical requirements.” The carrier’s new policy is called “Any Apps, Any Device,” which should roll out across Verizon’s network by the end of next year. The carrier plans to disclose the technical standards that devices must meet to gain activation on its network early next year. After the requirements are published, Verizon Wireless plans to host a conference for developers to explain how they can “achieve the company’s goals for network performance” when writing software for the devices, which will have to be CDMA-based.

During a conference call following the announcement, Verizon Wireless executives said that users could port CDMA phones from Sprint or even Korea to the network, as long as they work on the same frequencies. All phones brought to the network will carry a “very reasonable” cost of certification. The carrier reiterated that the phones must by CDMA, meaning the iPhone will not be supported.

Get your FREE report!
A begin shaving hours off your work day!
Go to: http://www.robertlett.com NOW

An Individual Armed with Information
Controls the Course of Negotiation
Have all your files with you in the form of a
cell phone you probably already carry – 24/7!
http://www.robertlett.com