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Apple’s forthcoming iPad Pro was back in the headlines this week after a new rumour suggested Tim Cook and co were plotting a stylus to be sold alongside the super–sized tablet.

Now a rendering of the device, along with the stylus, has been built according to leaked schematics and other details released by supply-chain sources.

Created by 3D modeller Martin Hajek, the rendering of the iPad Pro has a larger bezel usually associated with older editions of Apple tablet. This fits neatly with the aforementioned leaked designs.

Hajek’s tablet has a slider for zooming in and out on screen and even a digital crown, as seen on the Apple Watch.

Such design tics are, however, not based on any concrete evidence.

The iPad Pro is expected to have a screen between 12.2 and 12.9–inches and is likely to hit shelves in the middle of 2015.

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The Apple Watch will hit shelves in April, not March as has been previously rumoured. That’s the word straight from Apple CEO Tim Cook, who revealed the company’s plans during a conference call to discuss its record breaking quarterly results.

“Development for Apple Watch is right on schedule, and we expect to begin shipping in April.”

Cook went on to talk up the device, saying he used it every day and that he “can’t live life without it”.

However, he would not reveal any more details about the device, with price structure and battery usage still the biggest unknowns about the smart watch.

Apple will be hoping that the watch can match the runaway success of its latest iPhones. The Cupertino company posted record quarterly sales of 74.5 million iPhones between October and December, making £12 billion profit in the process. iPad sales, though, continue to slow and dropped to just over 21 million, from 26 million a year ago.

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Apple has revealed it sold 74.5 million iPhones between October to December 2014, smashing its previous record by a colossal 46%.

During the same quarter in 2013, Apple shifted a then record 51 million iPhones. The latest figures also represent a rise on the traditionally slow July to September period, when Apple sold just over 39 million iPhones.

Sales have been driven by Apple’s introduction of larger models. The iPhone 6 and iPhone 6 Plus feature screens which are significantly bigger than previous editions. The cheaper iPhone 5c is also thought to have fuelled growth.

During a conference call after the release of the results, Apple CEO Tim Cook would not be drawn on the exact breakdown of sales of each model. However, he did say the iPhone 6 was the most popular and that the last three months of 2014 saw more new iPhone customers than ever before. People switching from Android was also at its highest level in three years, he claimed.

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As it is typical with most of the other bad credit loans, this loan also involves higher years of repayment and very high interest rates. Typically this loan should not exceed about 5- 6 years, which is the normal time that people use a new vehicle. However, auto loans are for very long periods of time. At some times you might end up paying the high rates of interest even after you have got rid of the vehicle which is a big disadvantage here. These high rates of interest will end up increasing the amount of money you spend repaying the loan. For someone who is already in debt, this might be a bigger burden and an unhealthy option.

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Not all bad credit loans are good for you. There are certain short term bad credit loans which will do a lot of harm for you when you are already reeling in debt. It is better to stay away from such loans to reduce your burden. Some of the bad credit loans to stay away from are -

Payday Loans

You can secure a payday loan as long as you have some sort of an income. You only have to show a proof of this to obtain a loan. Small time lenders will then be able to give you small loans with an interest rate. In most cases, the payback time of this is two weeks. In the case that you have borrowed $500, then you will owe them $575 in two weeks. If you are earning only $750, then you will be left with just $175 to take care of you and your family's expenses. You will have to fend for yourself with this till you get your next salary which might prove to be quite a difficult position. More than providing a temporary solution this short term bad credit loan becomes a burden.

Auto Title Loans

Most credit card debt negotiators and other financial experts will tell you that this is one of the worst bad credit loans available for debtors today. This involves very high cost loans which are usually for a short period of time. In the case that you have defaulted a payment then you end losing the title of the vehicle with the money you paid till then. The lender takes repossession of the vehicle after this.

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Enterprise Resource Planning is a set of tools, programs and data correlating to simplification of data analysis and usage. While we acknowledge wholeheartedly that ERP implementation has simplified processes within an organisation that would have taken years to do manually, it is also pertinent to note that there can be notorious complexities involved in actual implementation.

Businesses entities and companies that build plans on a solid business case taking all their needs into consideration and follow it through with result oriented expectations by sound planning and execution always received better and faster returns on their ERP investments.

To obtain better RoI on ERP implementation businesses have to follow a set of good practices so that planning and completion are done within budgeted expenditure and estimated time frames. Some time tested and useful tips are mentioned here.

1. Prioritise matters

The scoping exercise helps to understand how to implement functionality that will impact business. Getting an up close look at the initial features and modules that get 70 or 80 percent of the needs up and running is what should be aimed for. It is essential to have a complete knowledge of functions and business processes that are proposed to be rolled out and the returns expected. Here it is important to note that add-ons, and pick outs from wish lists that company stakeholders will be looking at may end up complicating implementation; these should strictly be kept for future phases of implementation.


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Business Intelligence technologies provide a wide range of informative views in business operations - current, historical and predictive. Common functions of BI included:

• Analysis
• Benchmarking
• Business performance management
• Complex event processing
• Data mining
• Online analytical processing
• Predictive analytics
• Prescriptive analytics
• Process mining
• Reporting
• Text mining

Business decisions that are supported by BI techniques include operational, strategic and many others.

• Operational decisions cover market positioning of products and services, and pricing

• Strategic decisions include directions, goals and priorities on a broad level

In all, Business Intelligence can be most effective only when it involves combination of data derived from the market segment in which the business operates, which is classified as 'external data' along with data from internal company areas such as finance and operations, which is classified as 'internal data'. No single set of data, either external or internal can create the 'intelligence' that is required to provide a complete analysis of business functions and results.

Business Intelligence Software

BI software refers to programs that can analyze data and organize the information for better decision making. Since first being introduced in the 1960s as 'decision support systems', Business Intelligence software has quickly gained traction in the business world with several software companies producing business intelligence tools for specific types of data gathering.

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Business Intelligence (BI) is a set of tools and techniques that process raw data into meaningful information and useful statistics for analytical purposes, that can help achieve greater and more beneficial results.

If we are to really understand the term 'business intelligence', perhaps this little piece from history will help. The term was originally put together by Richard Miller Devens in 1865 in his reference to Sri Henry Furnese, the prominent government financier in England between the years 1705 and 1710. Describing Furnese's business acumen and his accurate reading of monetary situations, Devens wrote that "he maintained a complete and perfect train of business intelligence". Here he was, of course, referring to the ability of Furnese to collect information, correlate the information and react accurately based on the information retrieved and collated. This is the essence of true "Business Intelligence".

In today's highly advanced and competitive business driven outlook, BI allows easy handling and interpretation of unstructured data or input of large amounts of information to help identify, create and develop strategic and long-term business opportunities while at the same plugging loopholes and strengthening systems. For commercial businesses world over, this is the key to implementing effective strategies based on the insights provided to gain competitive advantages in the market and gain long-standing stability.

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The roles and expectations of professors at universities and colleges are nearly tied to the central function of advanced education. One of the initial formal descriptions of these central functions was incorporated in the 1915 "Declaration of Principles" defined by a representative council of the American Association of University Professors.

This declaration clearly defines that the functions of universities and colleges include:

• To propel the sum of human knowledge and to promote request
• To create experts for diverse branches of the public service
• To give general guidelines to the students

Accordingly, the professors at universities and colleges undertake teaching, research and service roles to achieve the academic work of their respective colleges.

Generally the expectations and roles of a college professor are neither straightforward nor simple. A professor is recognized differently by the institute administration and by the students. Yet to become a successful professor, you must be capable to fascinate both groups. At times, this can be a frightening task.

The role of a professor is simple for students- just to be an educator and instructor. This position demands that they must have complete knowledge about the subject they are going to teach and should be able to present knowledge in an interesting and cohesive manner. From a good educator, there is a clear expectation of themselves availing to their students and learners. If a student needs explanation of an important point and in case if it is not understood, the learning process at that time will virtually stop.

Professors must provide assignments and exams that are related to the study material and that all assignments are sorted fairly, accurately and impartially. A professor acts as a mentor and a guide to the students. We can say that the successful future of students or learners is partially dependent on the professor's way of teaching. This is really a wonderful responsibility.

However, institute administrators consider professors from a completely another perspective. Because the process of education is desirable, it is not of predominant importance. They believe- the most important is that the professors must fulfill their contractual obligations to the institute. Although satisfaction of students is of concern to the administration but still it is not of utmost matter of concern. For them, academic standards are more important. And in the search of academic excellence, few students will fail and few will do poorly.

As a professor, the primary duty will be for students. But that doesn't mean that we lose sight of the fact that the administration is paying. That's why our initial loyalty must remain with our university or employer.



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Apply to your schools of choice as early as possible and make sure that all of your supporting documents are sent from the guidance office in a timely fashion. With this in mind, you should work closely with your guidance counselor/adviser as much as possible in the fall of your senior. There are many things that you will need to do in the first semester of your senior year from putting the final touches on your college essays to applying for financial aid. You should create a to-do-list for the first semester to keep you on task and to avoid any oversight.

The importance of the first semester of your senior year: Things that needs to happen at this crucial time

In the early fall of the senior year, you need to sit with your guidance counselor to finalize your list of schools that you will be applying to. You need to discuss with your guidance counselor/adviser the tests that you have taken and the tests that you will need to take. Hopefully, you have taken the SAT/ACT at least once in the spring of junior year. For some of you, you should have taken the SAT II (old achievement test) in the spring of your junior year also. Also, you should discuss the application procedures and go over letters of recommendation from your teachers and your guidance counselor in late September and early October.

You need to discuss the types of applications such as early action, early decision and rolling admission application. Most selective colleges and universities have their regular deadlines either January 1st or January 15th. You have to meet all of your deadlines for college applications, financial aid and scholarships.

It is extremely important that you stay on top of all of your financial aid applications and their deadlines. Keep in mind that you may get in to many colleges and universities but where you will attend school next year will depend on what you and your family can afford. Financial aid may be the most important piece in the college admissions process.

The decisions that you will make in the second semester of the senior year: Conquering college admissions


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Universities play a pivotal role in the formative phase of a life of an individual. Universities train students by providing those techniques and knowledge that are basic to be successful. Monetary success is regarded as a large chunk of success in anyone's life. But huge money making is not easy as one may think; it requires some extraordinary talent, power or resilience that is not common. No doubt it is the personal extraordinary characteristics of an individual which can lead him/her to a terrific financial success, but the role of the universities in preparing or polishing the capacities of individuals in earning money that goes in million and then billions, cannot be ignored.

There are many universities that have their share in making a billionaire. According to the latest statistics, University of Pennsylvania has topped the list with the highest number of billionaires. Twenty five billionaires have gone to the University of Pennsylvania for their bachelor's degree, more numbers than any other institution. Harvard University is next in line with Penn with the twenty two billionaires associated with it.

Twenty billionaires went to Yale University for their bachelor's degree making it third in the list. University of Southern California has got sixteen billionaires into its lap making it the fourth university with the most self-made billionaires associated with it. Similarly Cornell University, Princeton University and Stanford University associate themselves with fourteen billionaires each. On the similar ground, twelve billionaires associate themselves with the University of California, Berkley and the University of Mumbai in India, and eleven billionaires went to London School of Economics in the United Kingdom and Lomonosov Moscow State University of Russia. Likewise, Dartmouth College, University of Michigan and University of Texas are also in the list of most self-made billionaires with the ten billionaires belonging to each.


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Twitter has revealed a new update for its smartphone app, aimed at making it easier for users to report abuse.

The streamlined process now means that when you head to the settings section of the Twitter app, you can not only block someone, but also file a report, telling the social network why you’re choosing to prevent someone accessing your tweets.

There are choices to report harassment, impersonation or self–harm, with Twitter no longer requiring you to deliver extremely detailed information in order to raise an issue. You can type in additional notes about your case when prompted.

Blocked users will no longer be able to access your profile and you can see a list of users you’ve blocked within the settings section of the Twitter website.

The update is rolling out to select users now, with a wider update expected soon.

Twitter says that this is just the start of a new approach, which will see it issue more stringent guidelines about abuse, as well as additional user controls. Some might say this comes far too late, but it seems Twitter has finally grasped the thorny issue of abuse on its service.

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Apple’s iOS 8 is now installed on 63% of all iPhones and iPads, with adoption rates jumping as the company gets to grips with a series of bugs and issues with its mobile operating system.

According to official figures released via Apple’s developer pages, the number of iPhones and tablets running iOS 8 rose by 7% from November. iOS 7 has dropped to just 33% of devices, while just 4% are using older editions of the software.

The latest adoption numbers come as [Apple releases iOS 8.1.2](/mobiles/news/2014/12/applereleasesios81_2/(), its latest build of the software, designed to tweak the platform and fix a number of small bugs, including lost ringtones.

Growing adoption will doubtless please Apple as it looks to release iOS 8.2 in the new year, which includes its WatchKit software development kit for the forthcoming Apple Watch.

That major update could come as soon as February if some rumours are to be believed.

iOS 8’s widespread adoption also throws into sharp contrast Google’s struggles with Android fragmentation.

Its operating system is now spread over a series of versions, with the latest, Lollipop, on fewer than 0.1% of devices despite being out over a month.

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Apple has unexpectedly rolled out the latest version of iOS 8, iOS 8.1.2, despite opting not to hand over the software to developers for pre-release testing.

The minor update is designed to fix a problem that has seen some users lose ringtones purchased via the iTunes store. Other generic bug fixes are included too.

With developers now busy working on iOS 8.2 and new WatchKit tools for the Apple Watch, it seems this update was deemed small enough not to need widespread stress testing.

Time will tell if that’s a wise move by a company that’s been dogged with complaints about iOS 8 since it landed.

iOS 8.2 is due for release in the new year to coincide with the launch of the aforementioned Apple Watch.

Apple is also said to already have iOS 8.3 in the works, reportedly designed for its long–awaited 12.2–inch iPad Pro and featuring split-screen multitasking for the tablet.

The launch comes after Apple revealed iOS 8 was now installed on 63% of all iOS devices.

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According to Android Pit, two insiders have told it that Google is plotting to have the update out by the end of February.

The beefed up software will apparently bring back silent mode to Android, a miss which is as baffling as it is infuriating. Other changes are said to include a much–needed boost to battery life, an end to sudden app crashes and a fix for notifications which fail to come through.

Although a February date has been mooted, it’s been speculated by Android watchers that it may take months for the update to clear testing by networks. It’s also likely that this update will be for Nexus and Google Edition phones only, meaning phones from the likes of Samsung, HTC and LG will have to put up with the current version of Android Lollipop for the time being.

lollipop has seen slow adoption rates since its November launch, with fewer than 0.1% of Android users upgrading. However, that number should jump sharply in early 2015, as manufacturers bring the OS to their flagship phones.

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The rumour mill is always whirring with gossip about next–gen updates, even months before devices hit the shelves.

So although these phones don’t exist officially yet, the increasing ability of tech fans to snare information about forthcoming kit means we already know a lot about next year’s hottest handsets.

Here’s our pick of the five devices we can’t wait to lay our hands on in 2015.

So much is riding on Samsung’s next generation Galaxy phone. The company had a disastrous 2014, seeing sales of its Galaxy phones slip as consumers wearied of countless variations and poor design compared to rivals.

The S6, codenamed ‘Project Zero’, will apparently feature the all–metal design so many consumers have been clamouring for, along with a beefed up camera said to feature a 20 megapixel processor.

The screen will be a quad HD number according to rumours, while there could even be a 128GB model in the offing. Samsung is going to have to pull out all the stops if it wants to get back on top.

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Gold prices on January 1 fell by Rs 100 to Rs 27,100 per ten grams on the first trading day of 2015 in the national capital owing to slackened demand from jewellers amid a weak global trend.

Silver prices also fell by Rs 800 to Rs 36,200 per kg due to fall in demand from jewellers and industrial units. Traders said easing demand from jewellers and retailers at prevailing levels and a weak global trend reduced the appeal for bullion as an alternative asset.

Gold in New York, which normally sets price trend on the domestic front, fell by 1.4 per cent to USD 1,184.10 an ounce and silver by 4.2 per cent to USD 15.59 an ounce yesterday. In Delhi, gold of 99.9 and 99.5 per cent purity fell by Rs 100 each to Rs 27,100 and Rs 26,900 per ten gram respectively.

Sovereign, however, traded at last level of Rs 23,700 per piece of eight gram in limited deals. In line with a general weak trend, silver ready dropped by Rs 800 to Rs 36,200 per kg and weekly-based delivery by Rs 980 to Rs 36,170 per kg. Silver coins also plunged by Rs 1,000 to Rs 59,000 for buying and Rs 60,000 for selling of 100 pieces.

Meanwhile, gold prices dropped by Rs 2,660, or nearly 10 per cent, to Rs 27,200 per ten grams during 2013 as the government tried to divert investors away from this 'unproductive asset' and a weak trend overseas. The year was even worse for silver that recorded a fall about 15 per cent in its price to Rs 37,000 per kg from 43,755.

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Google has launched Android Lollipop for its Android Wear devices, bringing a string of new features to compatible smartwatches.

The big draw is the slew of watch faces now available for tech wrist-warmers running the search giant's operating system.

These can be installed from Google’s app emporium or the dedicated Android Wear app and include Pac Man, Plants and Zombies and Despicable Me versions, as well as other, less garish options for those not into games or kids' movies.

There are also new notification blocking tools, making it easier to stop being hassled by certain apps, while the platform now has easy access screen modes for when a room is light or dark.

The update comes as Apple continues work on its WatchKit software development kit, releasing the latest version to developers building apps for next year’s Apple Watch.

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Samsung is in talks to buy LoopPay, a U.S. startup which offers mobile payment solutions. The move is being seen as an attempt by the Korean company to counter Apple Pay, Cupertino’s recently released NFC payment system.

Anonymous sources, speaking to Recode, have said that a deal is in its early stages and ‘could still fall apart’. However, one insider said that a prototype Samsung phone with LoopPay’s tech baked in has already been built.

As well as supporting NFC payments, LoopPay also has its own system which does not require the contactless tech. Its method mimics a credit card’s magnetic strip, with users able to hold a device above a payment machine’s swipe slot and transfer their details. It already sells iPhone cases and a key fob which offers this technology.

Such tech would make any Samsung phone which used LoopPay compatible with far more pay terminals across the pond compared to Apple Pay, at least in the short term.

The sources also claimed that Samsung’s fingerprint tech, found in its Galaxy S5 and Galaxy Note 4 handsets, would be used in conjunction with LoopPay in order to give it added security.

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Google Maps has got a neat new feature which is bound to come in handy as the festive season reaches its crescendo and Britain’s train network groans under the weight of extra passengers.

The Big G has brought real–time National Rail data to its maps tool for both Android and iOS. That means as well as being able to plot train journeys within the app, you’ll also get details on delays and cancellations.
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With many trains expected to be hit by engineering and cancellations over Christmas and New Year, this update should at least help you to plot a decent alternative route, even if it won’t make up for your sense of being fleeced by the train companies once again.

Of course, you can always use the baked in Uber tool to book yourself a cab via Google Maps instead. It might cost more, but at least you’ll get from A to B in comfort and without having to stand nestled into a stranger’s armpit.

The update is available to download now via Google Play and the App Store.