5 Finance Apps to Make Your Life Easier

Planning finances isn’t the easiest thing in the world to do.  When we sit down and look at our incomings and outgoings, it is easy to get in the mind-set that everything is fixed and we simply have to accept our situation. 

However, when we take a closer look at things, we can often find that there are opportunities to save money.  What most people don’t invest in is the truth that a lot of small savings fast add up into a serious sum of money.  If sitting down and going through your finances doesn’t appeal to you, or you aren’t the best at keeping track of your spending, then you can always decide to use finance apps instead.  This infographic brings together the best five iOS premium apps related to financial management, all of which can help you plan, save, and hand you back control of your financial affairs.

Jenny loves the financial world and is currently looking for Dealmarket private equity funding opportunities.  She was a big user of finance apps when she was at University to help her plan spending.

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Great Contract Deals On Mobile Phones With Free Gifts

Mobile phones with free gifts are great because they give us something extra which we were not banking on getting. These free gifts can make the difference between choosing one handset or another. This is why a lot of mobile phone companies try to give us free gifts now and again, because they know how big an impact they have.

At the time of writing one of the most popular gifts around is not a free laptop or even a free console; it is in fact the much sought-after Beats by Dre earphones. This is due to the earphones being very high quality and giving you a better user experience. Although free laptops may seem quite appealing, the price of the computer often finds its way into the cost of the contract, which means it is not really free after all. Mobile phones with free gifts are more popular than ever because it is not always that easy to get something for nothing, but you still can if you know where to look.

Finding a Free Gift for You
This article details a lot of great mobile phone deals which come with a free pair of Beats earphones. These handsets are some of the best on the market right now, coupled with a great deal you are sure to love.
Below the contract details you will be shown a little more about the handsets, helping you to understand how they work and why you will be getting an offer which may just be too good to refuse.

Handset: BlackBerry Curve 9320 

Monthly Cost: £14.00
Contract Length: 24 months
Service Provider: O2
Cost of Phone: £29.99
Free Minutes: 50
Texts: Unlimited
Data Allowance: 100MB
Special Offer: Free Beats earphones
Not a bad price contract for this lovely new handset. Ideal if you are not going to be using the phone very often, but great if you want one with you so you can listen to some tunes or your favourite radio show.
Mobile Phone Specifications:
Dimensions and weight: 109 x 60 x 12.7 mm, 103 grams
Screen Size: 2.4 inches, 320 x 240 pixels
Pixel resolution: 164 pixels per inch
Camera: 3.2 mega pixels
Built-in Storage: 512 MB of RAM
Storage Expansion: NO
GPS: Yes
Connectivity: Wi-Fi and Bluetooth 2.1
Battery: 1450 mAh

Handset: Samsung Galaxy Y
Monthly Cost: £14.00

Contract Length: 24 months
Service Provider: O2
Cost of Phone: Free
Free Minutes: 50
Texts: Unlimited
Data Allowance: 100MB
Special Offer: Free Beats earphones
Another nice offer, again not great when it comes to allowances, but ok if you want the peace of mind which having a mobile phone can bring. If you do find that you need to use more texts/data etc. please contact your service provider as they may be able to help.
Mobile Phone Specifications:
Dimensions and weight: 104 x 58 x 11.5 mm, 98 grams
Screen Size: 3.0 inches, 240 x 320 pixels
Pixel resolution: 133 pixels per inch
Camera: 2 mega pixels
Built-in Storage: 0.16 GB
Storage Expansion: Up to 32 GB
GPS: Yes
Connectivity: Chip and Processor:
Battery: 1200 mAh

Handset: Samsung Galaxy Ace - 37
Monthly Cost: £14.00
Contract Length: 24 months
Service Provider: O2
Cost of Phone: £19.99
Free Minutes: 50
Texts: Unlimited
Data Allowance: 100MB
Special Offer: Free Beats earphones
A very good deal if you love to text as ‘unlimited’ can mean you are able to send anything between 3,000 and 5,000 texts each month.
Mobile Phone Specifications:
Dimensions and weight: 112.4 x 59.9 x 11.5 mm, 113 grams
Screen Size: 3.5 inches, 320 x 480 pixels
Pixel resolution: 165 pixels per inch
Camera: 5 mega pixels
Built-in Storage: 0.158 GB
Storage Expansion: Up to 32 GB
GPS: Yes
Connectivity: Wi-Fi, Bluetooth 3.0
Battery: 1350 mAh

Handset: HTC Windows Phone 8S
Monthly Cost: £19.00
Contract Length: 24 months
Service Provider: 3
Cost of Phone: £19.99
Free Minutes: 500
Texts: 5,000
Data Allowance: 250MB
Special Offer: Free Beats earphones
This has to be one of the better deals on offer right now as you can make use of a very high number of texts and a lot of minutes; perfect for people who love to stay in touch.
Mobile Phone Specifications:
Dimensions and weight: 120.5 x 63 x 10.28 mm, 113 grams
Screen Size: 4.0 inches
Pixel resolution: 233 pixels per inch
Camera: 5 mega pixels
Built-in Storage: 4 Gb
Storage Expansion: Up to 32 GB
GPS: Yes
Connectivity: Wi-Fi and Bluetooth EDR
Battery: 1700 mAh

Handset: Samsung Galaxy S4 Mini
Monthly Cost: £31.00
Contract Length: 24 months
Service Provider: 3
Cost of Phone: £19.99
Free Minutes: 2,000
Texts: 500
Data Allowance: Unlimited
Special Offer: Free Beats earphones
This is the best deal we have come across so far. Ok, so it may cost £31 a month, but with that you will have an incredible 2,000 free minutes, 500 texts and an unlimited data allowance, making this offer great value for money.
Mobile Phone Specifications:
Dimensions and weight: 124.6 x 61.3 x 8.94 mm, 107 grams
Screen Size: 4.3 inches, 540 x 960 pixels
Pixel resolution: 256 pixels per inch
Camera: 8 mega pixels
Built-in Storage: 8 GB
Storage Expansion:
GPS: Yes
Connectivity: Wi-Fi and Bluetooth 4.0 EDR
Battery: 1900 mAh

Everyone Loves Mobile Phones with Free Gifts
It is easy to see why everyone loves mobile phones with free gifts. These great handsets give us the chance to get online, play a wide range of games, download hundreds of apps and enjoy everything the phone has to offer. What is more, the music-mad people out there will love the Beats earphones as they give you a better quality sound to enjoy every time you use them.

Have a good look at the range of mobile phones which offer this great free gift and choose one you know is going to do you proud. Take a good look at the specified contract, but do not be afraid to take a look for another one if you think you can get a better deal. Make sure the contract has a free pair of earphones with it, or you could miss out.

Phil Turner did not realise how many mobile phones with free gifts were available on the market until he visited comparison sites like uSwitch.com.

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6 Reasons To Love The Sony Z1

The Sony Xperia Z1 could well be one of the best handsets on the market right now. When you glance at the phone you can clearly see that it has got a lot to offer, but what exactly do people love about the Sony Z1, and why has it become such a popular handset?

6 Good Reasons
Here are 6 reasons why this particular handset is a major player in the smartphone industry right now:

1. It is waterproof – This incredibly good looking handset will do you proud, especially if you are inclined to drop your new phones in a puddle or like me, spill something over it. Not only will this smartphone cope with being submerged for a short while, but it will in actual fact be able to cope with being dunked in 1 metre of water for up to 30 minutes. I reckon that is pretty good. The Sony Xperia Z also comes with this feature, but the sad fact is that unless the handset’s little flaps were closed, the handset was not particularly waterproof at all. Even if you accidentally dropped your Xperia Z in a puddle, you could not claim off the warranty if the flap which covered the headphone jack was left open. The good news is the Z1 is different, and you won’t need any flaps to be shut in order for the waterproof feature to work. This is also great news if you want to talk while it is raining, a lot of people are hesitant to use their handset when the heavens open, but the Z1 makes it ok to do just that, so do not be worried, go ahead and talk away until you are drenched to the skin.


2. The big screen – These days we like our handsets to come with big screens, this is so we can enjoy watching movies without having to strain our eyes. The Sony Z1 not only comes with an impressive 5 inch screen, but it also happens to be a pretty good screen. With a high resolution display which measures 1080 x 1920 pixels, you will have no problem making out a lot of detail. What is more the pixel per inch density is a very impressive 441, which means you can enjoy a lot of colours and clarity, no matter what you watch.


3. The very long lasting battery – Some mobile phones are notoriously known to use the battery up very quickly. This is usually due to a lot of apps working in the background, and a wide variety of other functions that makes the handset so good. The Xperia Z1 is as different as it comes, with a very impressive 850 hours of standby time and 13 hours of talk time, which means you will not have to charge the battery any time soon.


4. The availability of apps - As with a lot of smartphones, you will have the chance to download a wide variety of apps. With the Xperia Z1, you can expect to be able to download more than 100,000 different apps, so you can work or play whenever and wherever you wish. The Google Play store comes with a wide variety of apps, but they are not always suitable for every handset, this is where the Z1 differs as you can download just about any Android app out there.


5. A huge memory capacity - None of us like to own a handset which severely limits the amount of music, pictures and videos we can store on it. With the Sony Xperia Z1, you will find it hard to use up a whole load of memory, thanks to its 16GB of built-in storage and the opportunity for you to expand it by an amazing 64GB, now that is pretty good. You will have to buy a microSDHC, microSD or a microSDCX card if you want to expand the memory, but if you want an extra 64GB, it will be well worth the cost.


6. The 20.7 mega pixel camera – Need I say more? This makes the Z1 ideal if you love to take pictures or shoot videos. Not too long ago, phones which came with an 8 mega pixel camera were considered the norm, and while some new handsets still offer us less than 10 mega pixels, this delightful Sony handset truly is a cut above the rest. Take a picture or two, throw in a video so you can be reminded when your mate did that, and store it on your handset safe in the knowledge your pictures and videos will look good, and you will be able to make out an incredible amount of detail every single time.

Will You Buy The Sony Z1?
Chances are if you have read this far down the page, you are interested in buying the Sony Xperia Z1. The good news is there are a lot of great offers out there, which means you will be able to choose from a wide variety of contracts or Pay As You Go deals. But before you decide to sign on the dotted line, here is a little bit of information about what could potentially be the best handset you ever buy:

Features and Specifications
Released: September 2013
Dimensions and weight: 144.4 x 73.9 x 8.5 mm (H, W, D), 170 grams
Operating System: Android 4.3
Camera and features: 20.7 mega pixels, LED flash, auto focus, image stabilisation, digital zoon, panorama, self-timer.
Chip and processor: Qualcomm Snapdragon 800 MSM8974 and Quad core, 2200 MHz
Memory: 16GB of built-in storage and the opportunity to expand up to 80GB with a 64GB microSDHC, microSD or a microSDCX card.
Connectivity: Bluetooth 4.0, Wi-Fi and mobile hotspot, USB 2.0, computer sync and tethering

If you are looking for a really good handset which is as durable and easy to use as they come, you won’t go far wrong with the Sony Xperia Z1. The six reasons to love the Z1 are but only a few of the many great reasons to buy this phone, and if you are lucky enough to get your hands on this incredible handset, you will discover there are many more great reasons.

Phil Turner wanted a smartphone with a large screen for easy viewing so he opted to purchase the Sony Z1 after reading reviews on sites such as uSwitch.

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8 Reasons To Choose A Walkman Phone

Wondering if a Sony Ericsson Walkman phone is for you? You'll be making a solid buy; read on to find out the great reasons why you should consider going Walkman.

You LOVE Music
Are you the kind of person who always has headphones in? Never without your own personal soundtrack? Walkman phones are designed with cutting edge sound technology to make sure that you've always got the sound quality that you need to play your tracks. From bass boosters to intuitive media players (don't worry, we'll tell you more about features in a minute) you're going to know that you're getting the best music phone around.

Awesome Sound Features
Want to know more about all those sound features? Check out some of these. SensMe is Sony's proprietary software that indexes tracks by their tempo and rhythm. This means that you can decide that you want to listen to “relaxing” music or “gym” music, and be sure that you're going to get a playlist that gives you the mood that you want when you want it, without needing to design that list yourself. How's that for convenient? TrackID means that you'll always know what you're listening too, no matter what it is. Not only that, TrackID works obviously for your own music, but it also allows you to clip a song from the Internet, or even hold your phone up to a speaker and find out exactly what's playing so you can find out what that great new song is.

What about Shake Me? If you are tired of designing playlists and love your music, but want to shake things up a little, then Shake Me is for you. Simply take your phone and shake it. Your tracks will automatically randomise so that you get to hear your music in a whole new way.

Sweet Style
Walkman phones aren't bad looking either. Whether you're looking for a traditional keypad phone, a touch screen smartphone or even a cool slide phone that gives you a great screen as well as that keypad, you won't be disappointed with Sony. There are models out there for everyone; all you need to do is choose which one's right for you. Tired of all the boring black phones on the market? Again, Sony's got you covered. With models coming in colours from pink to red to green, you can have a phone that's truly eye catching and that will definitely make a splash.

It's not all about colour and shape though. Walkman phones have great build quality and smooth, curvaceous design that will make your mouth water. Just because you want to listen to your music doesn't mean that you should compromise when it comes to looks.

Save Yourself Some Cash
With so many phones these days costing hundreds of pounds, one of the greatest things about going for a Walkman phone is that you can really save yourself some cash. You can get a mobile with great sound quality for under £50, and even a high end model is only going to cost you around £150 or so. If you're on a limited budget but still want a great phone, then these price tags are really going to appeal to you.

Walkman Features
Think that because you want a great music phone that you're going to need to compromise on other features? Not necessarily. There are so many Walkman models around that you're going to find the phone that you want with no worries. What kind of features are we talking about?

The choice is yours. Want a cool 8 MP camera? Try the W995 model. 2G, 3G? Both are available. How much internal memory are you looking for? It doesn't really matter, Sony has you covered however much storage space you want. And all the Walkman models take extra external memory, so you can always grab an affordable memory stick and increase your phone's memory capacity so that you can hold even more albums in your hand.

The Easiest Media Player
Media players can be complicated to use, fiddly and difficult to get your head around. With the patented Walkman media player you're not going to have these worries. Your media player is going to be intuitive and easy to use, and if you go for a touch screen model then you're going to get a truly simple drag and drop player. It doesn't get much easier than that. Want to find out more about what you're in for? Check out this link here, and read all about Sony's awesome media players.

Stereo Buttons
Something that can be truly annoying about using your phone as a music player is that you've got to open your phone, find your app and find your track all before you get to listen to your tunes. With a Sony, you're not going to have this problem. All the music phones in the line have a dedicated music button, so you can just press and go. Playing music really doesn't get any easier than this.

Nice Extras
Sometimes it's the little things that make the difference, and a Sony Ericsson isn't going to let you down. There are all kinds of sweet extra features put into the design and software that are really going to impress you. Our personal favourite is the kick stand on some of the higher end models. This means that you can stand your phone up and broadcast your music with great projection, because sometimes you just want to share your songs, right?

For true music lovers, a Sony Ericsson Walkman phone is going to be an awesome buy. If we haven't yet persuaded you yet, go check out a few models for yourself. The effortless combination of style, features and rocking music playing is sure to convert you. The best part is that you'll get an all-around great phone, so you won't need to make compromises in order to get the fantastic sound quality that you're looking for.

Phil Turner was looking for a phone for his daughter with great music features, so after a bit of research he opted for one of the Sony Ericsson Walkman models.

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Pink Mobile Phones- Pink Phones That Can Take On The World

Pink mobile phones are huge hits with the fashion conscious and those who just like to be a little bit different. You do not need to get a black or white phone with so many great colour options available, so why not get yourself a shiny pink one? In this article we will tell you about the best pink mobiles, depending on what kind of budget you are on.

Pink Mobile Phones for Budget Shoppers
There are many budget pink mobile phones to choose from, and these are great options for children’s phones. If you want to spend less than £100 on a new mobile, then we have found two fantastic options for you.

The first is the Nokia Asha 210, which has a full QWERTY keyboard that is ideal for young teens who want to type lots of messages. It is bright pink and loaded with a great media player for all those music tracks, it has a chat programme and even Wi-Fi access, so you can get online if you want to.

There is no 3G though, so you need not worry about constant Internet access that could be dangerous for the younger ones. The Asha has a 64 MB internal memory, but a cheap SD card will push that up to 32 GB, so there is plenty of room for music and photos that you take with the 2 MP camera that is on board. At just £70, the Nokia Asha 210 is the best budget buy on our list today, but we have another option too.

The Acer Liquid Z3 is a touch screen phone with full 3G connectivity, so it is a great budget buy for you or for an older teen. There is a dual core 1 GHz processor to keep things speedy and a three and a half inch touch screen in beautiful high resolution for great viewing and reading.

The Liquid Z3 has a 3 MP camera and a solid 4 GB internal memory, but again you can pump that up to 32 GB with an SD card. It is running Android 4.2 Jelly Bean, and whilst the device itself is black, it has an exchangeable back panel that comes in a range of colours, including hot Sakura Pink. It retails for just £80.

Mid-Range Pink Phones
If you are able to spend a bit more cash, then there are some great mid-range options for pink mobile phones. You will still be spending safely under £200, but by spending a little more you are going to get more features.

Our first great mid-range pink mobile is the Huawei Ascend W1.The Ascend is a Windows phone, running Windows 8, and is the only Windows model on our list, but it is an absolutely fantastic buy from a lesser known manufacturer in the UK (you can find out more about Huawei here). The Huawei Ascend W1 is a full touch screen phone running a powerful 1.2 GHz dual core processor for greater speed, and there is a fantastic full four inch high resolution display too, so this really is a high spec phone for its price.

You get a great 5 MP rear facing camera, and even a cool front facing camera to use for taking pics of yourself of for video calling. Internal memory is 4 GB, but that SD card slot lets you go up to 32 GB. For only £130 the Ascend W1 is a great buy, though pink versions are available only through certain operators.

Our second mid-range choice is the BlackBerry 9720. This is a classic BlackBerry phone, with a complete QWERTY keyboard for easy typing, and of course the great office software that makes a BlackBerry such a good business phone choice.

The 9720 runs an 800 MHz processor, so it is not quite as speedy as the Huawei, but there is still plenty of punch there. The full colour screen is 2.8 inches, which is huge for a screen on a keyboard phone, so you will still get great viewing.

There is a 5 MP camera with LED flash, so you will get great pics no matter what the conditions are, and though there is only 512 MB of internal memory, that affordable SD card option will give you up to 32 GB. The BlackBerry 9720 is one of the cheapest BlackBerry options on the market, and will cost you only £170, and it is available in Hot Pink too.

A Top End Pink Phone
If you are not on a limited budget, then there is really only one clear choice for you when it comes to a fantastic pink mobile, and that has got to be the all new iPhone 5C, the first coloured iPhone choice that we have ever had.

 
The iPhone is everything that you would expect it to be and more, beautiful design, great style, and tons of hot features, Apple have made a phone that is not just good looking but has great performance as well. You get great connectivity on the 5C, including 4G LTE services so you can get speedy Internet on your mobile.

The dual core 1.3 GHz processor and 1 GB of RAM keep the 5C responsive and fast, and a full high resolution four inch display gives you fantastic picture quality no matter what you are looking at. There is an 8 MP camera on board (with autofocus and LED flash, naturally), as well as a 1.2 MP front facing camera, so you can see who you are talking to. When it comes to memory, you have got a choice between a 16 GB and a 32 GB version, so it is up to you how much data you can store on your phone.

The iPhone 5C is not cheap, but you get great features for your cash. The 16 GB version will cost you £470, and the 32 GB version will cost you £550. This is by far the best pink mobile around though and is totally worth splurging on.

Phil Turner did not know a lot about pink mobile phones so he checked out websites like uSwitch to find out more about what ones were available to purchase for his daughter.

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A True Budget Phone - The Samsung Tocco Lite

Maybe you are looking for a great phone for your child, maybe you need something cheap and simple to hold a pay as you go SIM card, but if you are on a limited budget, then the Samsung Tocco Lite is going to be a great option for you. In this article, we will tell you more about the Tocco, so that you can see if it is the deal for you.

The Samsung Tocco Lite - What You Need to Know
Firstly, and most importantly, the Samsung Tocco Lite is only going to cost you around £60 or so, so it truly is a budget friendly phone. The Tocco is not a real smartphone, but unlike most traditional mobile phone models, it is a fully touch screen model, so you will get all the convenience of a touch screen without the hassle of a owning a smartphone.

What does the Tocco have to offer then? You can get a full run down on the Tocco here, but we will give you the essentials right now. The Tocco has a great three inch LCD touch screen, with nice resolution so you will always get a great picture. It is a non-3G model, though it is 2G capable, so you do not need to worry about data plans or Internet access. By far the greatest feature on the Tocco is its awesome camera. It has a 3.2 MP camera which even has a 4x digital zoom, making it one of the best budget cameras on the market. There are so many camera features that it is tough to list them all here. You will get different shot modes as well as different general modes such as sepia or black and white pictures. You can even edit your pictures by adding frames to them or clip art to make fantastic shots.

The camera on the Tocco can also shoot video as well, so it really is the perfect budget phone camera.
You might think that internal memory on the Tocco is limited, and it is only 102 MB. Do not worry about that though, since you can add a little SD card and get yourself up to a massive 16 GB of external extra memory.
Finally, the included software on the Tocco is pretty awesome too. You get a great media player with 3D sound technology which can play either music tracks or video. You will find a document editor too, and tons of games to play, of course. Then there is voicemail, group calling and speakerphone as well, your cup doth truly run over.

The Benefits of Owning the Tocco
In today's world of smartphones with big screens and fast Internet access it may be worth remembering that there are benefits to owning a phone such as the Tocco.

Let's deal with the question of Internet access first. Firstly, there are people who just do not want to access the Internet over their phone. This includes people who are buying a mobile for their child and do not want that child to have full and unrestricted Internet access with all the dangers which it may pose. Also, many older customers are not interested in having a mobile Internet connection. Remember that mobile data is generally the most expensive part of a mobile calling plan and adds significantly to your bill, so being able to skip that altogether in your mobile contract is going to save you plenty of cash on top of what you have already saved by buying the Tocco rather than a more expensive model.

Unlike most traditional phone models, the Tocco is a touch screen phone, which means that it is easier to use, more intuitive and also more convenient. There will be no more scrolling through menus, since you can simply touch an icon, adding simplicity to the list of the Tocco's great characteristics.

Finally, the Samsung Tocco Lite is a small phone. It does not need to accommodate a huge screen, which means that it is much more portable. It only measures around ten by five centimetres and weighs just 93 grams, so it will be easy to carry around with you, and you can slip it into your shirt pocket, unlike many a large smartphone model these days.

What About the Competition?
The thing with the Tocco Lite is that there really is not any competition at all; it is quite unique in what it has to offer. Usually when we look at competing phone models we are comparing mobiles which sell for around the same price, and of course there are models which are similarly priced to the Tocco.

Out of these though, all but one are physical keypad phones with no touch screens, so they are unable to compete with the Tocco. The exception is the Alcatel OT 903, which sells for around £10 more than the Tocco. This is a full smartphone running an Android operating system, so again it is not really a good comparison. If you are looking for Internet access and all that goes with it, the larger bills, the risk of your child seeing things which he or she should not see and more, then by all means go with the Alcatel model. For those who are looking for a decent, traditional phone, then it is going to have to be the Tocco.

Budget Buyers Rejoice
If you are looking for an excellent compromise between a traditional phone and a smartphone, then the Samsung Tocco Lite must be your only choice. You get a lot of features for a small price.

This is not just a great kid's phone either. Many people choose the Tocco for convenience's sake. For example, maybe you have a great work smartphone, but you are looking to get a cheap model to run a personal SIM card, then the Tocco will be perfect. Maybe you often travel, and need a budget phone to run a local SIM card wherever you are so that you can save on mobile roaming charges, again the Tocco is going to be perfect.

The Tocco Lite is a true budget phone, and one which you should definitely consider when you are mobile phone shopping.

Phil Turner needed a decent budget phone and after visiting websites like uSwitch, he decided on the Samsung Tocco Lite which came at a great price.

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Preparing For Cyber Monday - Infographic

The increasing ease and popularity of online shopping has given way to the rise of a new shopping holiday, aptly named Cyber Monday. Cyber Monday is the Black Friday for e-commerce; online stores offer huge discounts on a wide variety of products for one day only. In fact, it has become so big that $1.465 billion was spent Cyber Monday alone in 2012. (Source: Doba.com)

This insightful infographic dives into the facts and figures surrounding commerce trends during Cyber Monday as well the holiday season in general, including what people preferred to buy, and how business prepare to handle the large influx of shoppers. For example, according to figures presented a majority of online shoppers (31.4%) took to their computers on Cyber Monday to buy clothing. As a business owner, this infographic offers invaluable information on attracting more customers for the shopping season, like including free shipping and investing in Google product listing ads.

The author created this infographic to inform readers on how to prepare their business for Cyber Monday.

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3 Top Windows Mobile Phones Compared

The Windows operating system has received much praise since its launch a few years ago. It has certainly started to compete with both Android and iOS smartphones. The interface is very simple, providing intuitive navigation through the live tile system. With Windows 8 arriving we see the mobile environment mirroring the desktop and laptop environment. This really is a plus for the operating system as it makes it easier for consumers to understand and use both systems.

We have also seen Windows phones get cheaper and cheaper. We now have phones in the mid-range of the market, and also pay-as-you-go phones on Windows.It made sense that Microsoft launch the platform with just one or two premium end smartphones but now, they have a diverse range of phones all running Windows.

In this article will take a look at three of the top Windows phones on the market.

Windows Mobile Phones
It is difficult to make a judgement about which phone is best, or even to develop a top three list. This is because different people look for different things in phones. If you were comparing phones across operating systems it would be even more difficult. When it comes to Windows the easiest way to compare is through user reviews, industry reviews and specifications. When you take these areas into consideration the top three phones on the market are actually Nokia Lumia devices.

The Nokia Lumia 1520
The Nokia Lumia 1520 has been very well reviewed by industry reviewers. It was released on 22 October 2013, and runs off the Windows 8 operating system. As Windows mobile phones go it is incredible.

Hardware
The phone comes with a quad core 2200 MHz processor. It also comes with 2 MB of RAM. It is the smoothest experience of Windows on any phone which has come onto the market.

The Display
The display on the phone is six inches, it is, therefore, almost in tablet territory. The pixel resolution is 1080×1920 pixels, which provides a cracking display that is, frankly, beautiful. You will have no problems reading small text or problems with clarity of images. At extreme angles the consistency of pictures will remain excellent and here is very little distortion.

The Battery
The battery on the phone is also extraordinary. You have up to 768 hours of standby time. You also have 27.4 hours of talk time. Compared to the average smartphone these numbers are brilliant.

The Camera
The Nokia Lumia 1020 camera has over twice the mega pixels of the Nokia Lumia 1520. Nevertheless, the Nokia Lumia 1520 has a very good 20 megapixel camera that is right up there at the top end of specifications in the industry.

Verdict on the Lumia 1520
This device has received industry reviews of 9/10, putting it firmly at the top end of Windows mobile phones.

The Nokia Lumia 720
Nokia Lumia 720 was announced on 25 February 2013. Again it runs the Windows 8 operating system. It is more of a mid-range than premium phone, and has received rave reviews from industry pundits and users alike.

The Hardware
This phone comes with a dual core 1000 MHz processor. It has 512 MB RAM. Considering the price point at which it comes this is a very impressive set of specifications. It is worth noting that the Windows operating system tends to be less heavy on processing power and Android phones so these specifications do go a long way.

The Display
The display on the phone is 4.3 inches and 480 x 800 pixel resolution. It is a top display at this price point in the industry. It is vibrant, clear and performs very well in direct sunlight conditions. It is of course not top spec in the industry; but then you would not expect it for the price you are paying for this phone.

The Camera
The camera on this phone is 6.7 megapixels and takes great pictures. It will not give you the best quality pictures nor the kind of clarity you would expect at the premium end of the market, but pictures will be enough for social networking and most basic needs. It also takes video of 1280 × 720 pixels.

The Battery
The battery on the phone is solid. It offers 504 hours of standby time and 23.4 hours of talk time.

Verdict
Of all the Windows mobile phones this is perhaps the best value on the market. Industry reviewers often give it 9/10, factoring in the tremendous value it offers.

The Nokia Lumia 920
This phone was announced on 5 September 2012. It runs Windows Phone 8.

The Hardware
This phone comes with a dual core 1500 MHz processor and 1 MB RAM. It provides a solid and smooth experience.

Display
The 920 has a 4.5 inch display with 768×1286 resolution. When the phone was released it was up there at the premium end of the market. Things move so fast that it is perhaps a little bit below par these days. However, it still does provide a very good experience.

The Camera
This phone comes with an 8.7 megapixel camera which can take videos of 1920 × 1080 pixels. The pictures taken by the camera are very good, although in lowlight conditions you can have some problems getting the best quality image; but then you do with most smartphone cameras.

The Battery
The battery on this phone is adequate. It offers 460 hours of standby time and 18.6 hours of talk time.

The Verdict
Industry reviews of this phone give it 9/10. When released it was a simply cracking phone and it still is extremely good.

When you are looking at the top Windows mobile phones you have to factor in the Nokia Lumia 1020. It has a 41 megapixel camera and is simply astonishing in this regard. You also should be looking at the HTC phones. You can pick up real bargains on phones such as the HTC 8XT. Windows mobile phones are getting better and better. The operating system is clearly starting to make its mark in the smartphone industry.

Phil Turner wanted to move from an iOS phone to one of the many Windows mobile phones on the market so he checked out comparisons on websites including uSwitch to see which phone would best suit him.

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Real World Applications That Impact Public Health

Stem cell therapy aims to replace damaged cells within the body that have been harmed from a disease. The stem cells will reproduce and replace those damaged or destroyed cells, which helps the body recover. Some of the diseases researchers hope to cure with stem cells include cancer, diabetes and even Parkinson’s disease.

There are a few types of stem cell therapies currently being researched. The four most common include: transplanting adult stem cells from bone marrow into the body; transplanting adult stem cells using stem cells obtained from the peripheral nerves; using stem cells obtained from umbilical cord blood; and creating duplications in lab and then transplanting the duplication into the body. Stem cells are still experimental, but researchers have made amazing discoveries that are putting them on track to reproduce organs, tissues and even blood to cure some of the deadliest conditions and diseases around the world.

Written by Dr. Joseph Purita, founder of The Institute of Regenerative and Molecular Orthopedics and a pioneer in the use of the laser in orthopedic surgery.

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