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iphone

Soon. As in, October-soon.

It looks like the first iPhone app to bring us real-time traffic alerts, and that comes with offline maps, will be the Navigon MobileNavigator (Earlier CNET review. iTunes Store link.)

The AT&T Navigator (CNET review) also has live traffic data, but takes more time to download maps as you go, and while initially free, has a $10 monthly fee. Navigon has a steep $90 price tag, and you’ll pay $20 or $25 for the live traffic upgrade, but if you use it for more than a year, it’s already cheaper than the AT&T version.

(I’d like to take a moment to congratulate both Navigon and AT&T for sensibly choosing just one business model – monthly fee, or upfront fee – instead of both. Too many companies these days get away with a charge upfront and also making you pay monthly. I’m sure they have their reasons, but as a consumer, it just seems wrong.)

Traffic JamI’ve already recently cut at least 5 minutes off my daily commute by utilizing traffic data of other drivers. This is a win/win, since bad traffic throws me in a rage faster than anything else, and I’m not the most defensive driver. If I can have a tool with me that warns me of upcoming traffic problems, and helps me navigate around them, so much the better.

On the other hand, it seems I’m always driving to the same ten or twelve places. I’m not what marketers like to call a “road warrior” (isn’t this just a euphemism for salesperson?), so I don’t think I can justify the cost just yet.

Have you used the Navigon or AT&T apps? What do you think?

Navigon GPS iPhone app to get live traffic, Dong Ngo, CNET, Sep. 16, 2009

Photo credit: borderlys

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Until now, I never paid much attention to the different companies and providers, but I’ve learned that not all GPS devices are equal. I’ve recently been tempted by the TomTom app for the iPhone, especially in connection with the car kit. Turn-by-turn directions, as well as charging my phone, and playing music through the car’s speakers? Yes, please.

visual

But I don’t just go throwing around $100 at every iPhone app. I figured it was at least worth a little research, and I found that one of TomTom’s special attractors is something they call IQ Routes. In short: they gather anonymous user data to provide:

… the driving experience of millions of TomTom users into your maps, calculating your route based on actual speeds driven on roads compared to speed limits. With TomTom IQ Routes you always get the smartest, most efficient route. Saving you time, fuel and money by driving like a local.

Much the same as GMail’s method of eliminating spam e-mail, TomTom “crowdsources” traffic routes in order to save you time. The good news is that you can try out their route planner for free right now and see if it can shed any light on some of your normal routes.

When I started my new job last November, I spent weeks trying different scenarios to and from work, and thought I had it nailed, so I was shocked when I tried the route planner and found a new way home that saved me 5 minutes.

And as we all know, time is money, and in this case, fuel. Give it a try yourself and let us know in the comments how it works out for you.

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According to a new study, employees who use iPhones are statistically wealthier, younger, and more productive at work that their counterparts who use other smartphones. 32,000 people were surveyed and placed into categories based on the type of mobile phone they own.

They were then evaluated based on income, the cost of their monthly cell phone bills, how often they use their phone access the internet, their age, and a number of other metrics.

According to the study, iPhone users are more likely to remain connected to their employers’ networks, leading researchers to conclude that this population is more productive.

Regardless, buying an iPhone won’t make you a better person, nor will it directly increase your income. I find it hard to believe that owning an iPhone, or any other device, would be a trigger to move an individual from one demographic (lazy, low-income, old) to another (productive, wealthy, young). The study only looks for correlations, so it could easily be that wealthy individuals are more likely to spend more money for a more expensive device.

Unfortunately, the details of the study are accessible only after paying $750, something I am not prepared to do for a survey that might not have any solid conclusions anyway.

iPhone

Photo credit: John Larsson
New study shows iPhone users to be in a class by themselves, Neil Hughes, Apple Insider, June 12, 2009
Working iPhone Owners Tap The Mobile Internet, Ted Schadler, Forrester, June 11, 2009

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It’s barely been a month since the iPhone update which allows people to download applications written by 3rd-party developers, and there are already more than 1,000 to choose from. Here are a few of the more promising entries in the field of Personal Finance:

Loan Shark

(Web | iTunes)

loan-sharkIt’s unreasonable to expect that a person, when presented with a loan offer, can glance at the numbers and determine whether the salesperson is trying to rip them off. If it hadn’t happened to a friend of mine, I might’ve chalked this scenario up to simple paranoia, but it does happen. Thankfully, what with the Internet empowering us all, it happens less and less.

If all you’re looking to do is check the math on a loan offer, there are other ways to go about it. For example, you could point your mobile browser to CalcNexus’s Auto Loan Calculator and get an answer pretty quickly. The major advantage to the Loan Shark iPhone app is that it saves loan details to a Favorites screen so you can compare offers from different banks.

It also shows amortization tables and works as well for credit cards and home loans. For my money, in this case US$4.99, that’s a lot more convenient than carrying around a notepad and a pen.

Save Benjis

(Web | iTunes)

save-benjisAt some point (for me this happens weekly), you’ve been in a store, looking at something you probably want to buy, and you thought to yourself, “I could get this cheaper somewhere else.” Save Benjis answers your doubts for you in a matter of seconds. Best of all, it’s free, so you have nothing to lose if you want to give it a try.

Pick & Choose – Groceries

(Web | iTunes)

pickandchoose“Okay, I’m at Target. What was that other thing I needed to buy?” The analog lifestyle solution to this conundrum was always to keep a shopping list on the fridge and take it with you. But more often than not, I’m coming straight from work, or I forgot the list at home.

You may have noticed by now that I have a sort of contempt for paper records. Anyway…

This app has a built-in database of over 1,500 grocery items, so you barely need to type anything. In fact, I think I’m going to buy this app right now.

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For the purposes of this article, the term “iPhone” includes “iPod Touch”, and I’m assuming that your operating systems are up to date.

Along with new firmware for existing iPhone owners, and the new iPhone 3G itself, Apple is releasing this week a new service called “MobileMe”, succinctly described as “Exchange for the rest of us.” In short, it automatically syncs your contacts, calendar, e-mail and photos between your home computer and/or work computer and/or iPhone. It stores these items in a 20 GB cloud of data and is smart enough to push updates to you from any of these categories, wherever you are, as long as you have an Internet connection or cell phone signal.

mobilemeIt sounds wonderful. Unfortunately, it costs $99 (US) a year for one person or $149 for a Family Pack. Calendars and contacts don’t take up much hard drive space, but between e-mail attachments and photos, it wouldn’t be that hard to bump up against the 20 GB ceiling, and it’s $49 for another 20 GB (or $99 for another 40 GB). As of this writing, a 500 GB hard drive goes for around $100. I will admit that managed data storage should be more expensive than buying yourself a hard drive, but twelve times as expensive?

I think we should hold off on signing up for MobileMe for a little while, because if the goal is automatic syncing of your contacts, calendar, e-mail and photos, I predict Google and Yahoo! are going to make this possible for free (and probably with “unlimited” data storage) in the near future. Taking each one in turn:

E-mail

If you use GMail (and I believe everybody should, even if your e-mail address is at a different domain), your e-mail is already syncing with GMail on your iPhone. Having it automatically pushed to your phone isn’t happening, yet, but it will be possible for all applications to take advantage of the “cloud computing” scenario that Apple designed for the iPhone. Do you suspect that Google won’t make a GMail app for the iPhone with push e-mail?

Contacts

With the update to OS X 10.5.3, you can already sync your contacts between your iCal (and by extension, the iPhone) and Google. See previous comment about future push scenarios, but for the time being, it would be a weird kind of emergency needed to make a lack of push technology a serious problem in this arena.

Calendar

I actually originate my calendar with Google Calendar, and subscribe to it in iCal, and by extension, my iPhone. See previous comment about future push scenarios, but Google already has a nicely iPhone-formatted version of the Calendar that loads in the Web browser.

Photos

This is probably the first thing that made me second-guess my temptation to subscribe to MobileMe, mainly because I love my Flickr account. It’s got a long history, and all my friends are there, etc. I can already e-mail photos from my iPhone to Flickr using a customized e-mail address, so that could hardly be simpler. Even so, it appears that Flickr has every intention of making their site as friendly as possible for the iPhone.

Now, I’m merely speculating that Google will come out with native iPhone apps that mimic most of the functionality of MobileMe, but look at Google’s track record. They try everything, and succeed at most of them. My plan as described may not be as elegant as a MobileMe account, but I think it’ll be just as easy, and it’ll cost 100% less.

This is only a prediction. Don’t blame me if I’m wrong. But unless you know something I don’t about Google’s plans, it’d still be smart to wait a month or so and see what they have to offer.

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