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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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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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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.

Manchi ga Dengu (Telugu Dengudu Kathalu)

Manchi ga Dengu Abaaaa

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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Iddhari tho kutha pagala denginchukuna Aunty

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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The gold edition of the Galaxy S5 will be available on other networks apart from Vodafone, after it emerged that a deal that gave the carrier exclusive rights to sell the gold model is strictly time-limited.

It had initially been thought that Voda had secured indefinite rights to sell what’s tipped to the most in-demand colourway of Samsung’s 2014 flagship smartphone.

However, since then O2 has listed the gold model for sale on its site, exploding that idea.

To clear things up, we’ve asked around and checked Voda’s forums and have since established that in fact the network’s exclusivity period lasts for 28 days from launch.

We also got in touch with O2's press people, who confirmed that while the gold edition won't be available on its network from day one, it will be accepting pre-orders for that colourway soon.

But in the interests of staying within the strictures of Voda’s arrangement with Samsung, O2 won’t be able to launch pre-orders for said handset until May 9th. That’s four weeks after the phone officially hits retail on April 11th.

If you want the blue, black or white edition, you can pre-order it on O2 from March 28th. That’s the same date it goes on pre-order on Vodafone in all those colourways, plus the gold edition.

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Today’s news that Amazon has acquired free Siri rival Evi is a fascinating insight into where the online retail giant is heading.

Having snagged voice recognition company Ivona back in January, it’s not too much of a leap to imagine that Amazon is prepping its own smartphone.

Here are five reasons why we reckon an Amazon smartphone makes sense.

The Kindle brand has become synonymous not only with e-readers, but also budget tablets.

Amazon doesn’t lack pedigree in the hardware business and the idea of a Kindle phone is not too far-fetched.

Using the brand name would guarantee instant recognition among wider consumers, surely the focus of Amazon as opposed to hardcore techie types jonesing for expensive devices.

As mentioned, the purchase of Evi is a prime factor in the development of a potential Amazon smartphone.

Being able to offer an Apple-like personal assistant on a budget device (of which more later), has huge appeal.

Tie that into Amazon’s retail business, meaning you could ask your phone to buy goods while you’re out and about, and the appeal is pretty strong.

One of Amazon’s prime facets is its massive content base.

There’s a well-stocked MP3 store, access to thousands of movies and TV shows, not to mention a library of books that few bricks and mortar stores can compete with.

If the device had a capacious screen, this could be a great all-round solution for accessing Amazon’s vast content package while being able to make calls, send texts and do general phone gubbins.

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Amazon has denied claims it will be offering a free smartphone, killing off a welter of recent rumours suggesting the online retailer is plotting to offer a device gratis to customers.

Speaking to former Wall Street Journal reporter Jessica Lessin, the company said: “We have no plans to offer a phone this year, and if we were to launch a phone in the future, it would not be free.”

The statement also kills any gossip about Jeff Bezos and co releasing a handset in 2013 to compete with Apple and Google.

The company has been widely believed to be working on a smartphone for aeons now, although a release date is now unclear.

What an Amazon phone would look like and how much it will retail for is once again a source of mystery.

Ad-supported models have been mooted, as have free devices for Amazon Prime subscribers.

A question also remains over whether it would use a modded version of Android, as on its Kindle Fire tablets, or opt for a different operating system altogether.

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Samsung’s Android 4.4 update schedule for its current-gen and previous-gen flagship phones has leaked online, with the first handsets set to get on board early next year. `

According to what we’re told is an internal memo sourced by iTech Addict, the Galaxy S4 and Note 3 are in line for a bump to the latest KitKat version of Android at some time during January.

If you’re still rocking a Galaxy S3 or Galaxy Note, you’re looking at a much longer wait, though. Samsung doesn’t intend to start rolling out Android 4.4 to these kits until March or April.

Before you get too excited about the upgrade, it’s worth mentioning that these dates most likely apply solely to Galaxy handsets bought off-contract and SIM-free.

Those of you who bought your Galaxy smartphone on a monthly contract will probably have to sit on your hands a while longer while your carrier performs tests on the new software. And ensures that KitKat works with whatever bloatware they’ve squirreled away on your slab of cellular joy.

As well as a rethought dialler and redesigned icons, KitKat brings with it an all-new Hangouts app, with SMS integration, and various, non-specific performance optimisations.

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iPhone sales may be slower than normal right now, but users who’ve bought new iPhones and haven’t been able to activate them are understandably annoyed.

If Apple doesn’t get hold of this issue now, imagine the chaos when millions of users start hovering-up the new devices in September/October, only to find they don’t work.

The result would be chaos. And another PR disaster for a firm that once prided itself on rarely screwing up.

After last year’s maps debacle, which saw Tim Cook forced into a public apology for the shoddy app and Scott Forstall shown the door for his part in it, the guys at Infinite Loop will want the smoothest launch possible.

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