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Apple Reports Second Quarter Results – I’ll be liveblogging here.
Best March Quarter Revenue and Earnings in Apple History
In accordance with the subscription accounting treatment required by GAAP, the Company recognizes revenue and cost of goods sold for iPhone™ and Apple TV® over their estimated economic lives. Adjusting GAAP sales and product costs to eliminate the impact of subscription accounting, the corresponding non-GAAP measures* for the quarter are $9.06 billion of “Adjusted Sales” and $1.66 billion of “Adjusted Net Income.”
Apple sold 2.22 million Macintosh® computers during the quarter, representing a three percent unit decline from the year-ago quarter. The Company sold 11.01 million iPods during the quarter, representing three percent unit growth over the year-ago quarter. Quarterly iPhone units sold were 3.79 million representing 123 percent unit growth over the year-ago quarter.
“We are extremely pleased to report the best non-holiday quarter revenue and earnings in our history,” said Peter Oppenheimer, Apple’s CFO. “Apple’s financial condition remains very robust, with almost $29 billion in cash and marketable securities on our balance sheet. Looking ahead to the third fiscal quarter of 2009, we expect revenue in the range of about $7.7 billion to $7.9 billion and we expect diluted earnings per share in the range of about $.95 to $1.00.”
Apple will provide live streaming of its Q2 2009 financial results conference call utilizing QuickTime®, Apple’s standards-based technology for live and on-demand audio and video streaming. The live webcast will begin at 2:00 p.m. PDT on April 22, 2009 at chúng tôi and will also be available for replay for approximately two weeks thereafter.
During fiscal 2007, the Company began selling the iPhone and Apple TV. Because the Company may provide unspecified features and additional software products to iPhone and Apple TV customers in the future free of charge, in accordance with GAAP the Company recognizes revenue and cost of goods sold for these products on a straight-line basis over their economic lives, with any loss recognized at the time of sale. Currently, the economic lives of these products are estimated to be 24 months. This accounting treatment, referred to as subscription accounting, results in the deferral of almost all of the revenue and cost of goods sold during the quarter in which the products are sold to the customer. Other costs related to these products, including costs for engineering, sales, marketing and warranty, are expensed as incurred. Further, the costs to develop any future unspecified features and additional software products that may eventually be provided to customers also are expensed as incurred. In contrast, the Company generally recognizes revenue and cost of goods sold for its other products, such as Macs and iPods, at the time of sale, as the Company does not provide future unspecified features or additional software products to those customers free of charge.
In July 2008, the Company began selling iPhone 3G, the second-generation iPhone, and at that time significantly expanded distribution by establishing carrier relationships in over 70 countries. Unit sales of iPhone 3G have been significantly greater than sales of the first-generation iPhone. During the first quarter of iPhone 3G availability ended September 27, 2008, 6.9 million units were sold, exceeding the 6.1 million first-generation iPhone units sold in the prior five quarters combined.
Unit sales of iPhone 3G continued to be significant in the quarter ended March 28, 2009, with 3.79 million iPhones sold. As a result, the amount of revenue and product cost related to those iPhone sales that the Company deferred for recognition in future periods under subscription accounting was substantial. While the GAAP results provide significant insight into the Company’s operations and financial position, management continues to supplement its analysis of the business using financial measures that look at the total sales, related product costs and resulting income for iPhones and Apple TVs sold to customers during the period. The presentation at the end of this press release includes the following non-GAAP measures: “Adjusted Sales,” “Adjusted Cost of Sales,” “Adjusted Gross Margin,” “Adjusted Operating Margin,” “Adjusted Net Income” and “Adjusted Diluted Earnings per Share.” These financial measures are not consistent with GAAP because they do not reflect the deferral of revenue and product costs for recognition in later periods. The above-mentioned non-GAAP measures are generated by adjusting the related GAAP measures solely to reverse the effect of subscription accounting. The Company uses these financial measures, along with other measures discussed below, to provide additional insight into current operating and business trends not readily apparent from the GAAP results.
Management uses Adjusted Sales to evaluate the Company’s growth rate, revenue mix and performance relative to competitors. Given the impact of iPhone unit sales during the quarter ended March 28, 2009, Adjusted Sales provides a meaningful measurement of the Company’s growth by reflecting amounts generally due to Apple at the time of sale related to products sold within the period. Further, eliminating the effects of deferred revenue (current sales deferred to future periods and prior sales being recognized currently) provides more transparency into the Company’s underlying sales trends. Management uses the non-GAAP measures of “Adjusted Cost of Sales,” “Adjusted Gross Margin” and “Adjusted Operating Margin” to measure the Company’s operating performance based on current period iPhone and Apple TV sales and to facilitate ongoing operating decisions. Additionally, because the Company recognizes engineering, sales, and marketing expenses as incurred, including expenses related to iPhone and Apple TV, management uses Adjusted Sales to evaluate returns on those costs, to manage year-over-year operating expense growth, and to budget future expenses. Furthermore, because they are considered meaningful indicators of current business performance, the non-GAAP measures “Adjusted Sales” and “Adjusted Operating Margin” are metrics that factor into the determination of management compensation beginning in fiscal year 2009. Finally, management uses the non-GAAP measures of “Adjusted Net Income” and “Adjusted Diluted Earnings per Share” to measure the Company’s operating performance based on current period iPhone and Apple TV sales, to facilitate ongoing operating decisions, and compare performance relative to competitors.
Management believes that these non-GAAP financial measures, when taken together with the corresponding consolidated GAAP measures and related segment information, provide incremental insight into the underlying factors and trends affecting both the Company’s performance and its cash generating potential. Management believes these non-GAAP measures increase the transparency of the Company’s current results and enable investors to more fully understand trends in its current and future performance.
As noted previously, these non-GAAP financial measures are not consistent with GAAP because they do not reflect the deferral of revenue and product costs for recognition in later periods. These non-GAAP financial measures do not adjust for the costs associated with the Company’s intention to provide unspecified new features and software to purchasers of iPhone and Apple TV products. These costs are expensed as incurred under GAAP’s subscription accounting model, and are not adjusted in these non-GAAP financial measures. As such, these non-GAAP financial measures are not intended to reflect in a given period all of the costs of sales made in that period. Rather, the non-GAAP financial measures presented below are intended for the limited purpose of presenting performance measures that include the total sales, related product costs, and resulting income for iPhones and Apple TVs in the period those products are sold to customers.
Management believes investors will benefit from greater transparency in referring to these non-GAAP financial measures when assessing the Company’s operating results, as well as when forecasting and analyzing future periods. However, management recognizes that:
Further, these non-GAAP financial measures may be unique to the Company, as they may be different from non-GAAP financial measures used by other companies. As such, this presentation of non-GAAP financial measures may not enhance the comparability of the Company’s results to the results of other companies.
A reconciliation of each non-GAAP financial measure to the most directly comparable GAAP financial measure or measures appears at the end of this press release.
Apple ignited the personal computer revolution in the 1970s with the Apple II and reinvented the personal computer in the 1980s with the Macintosh. Today, Apple continues to lead the industry in innovation with its award-winning computers, OS X operating system and iLife and professional applications. Apple is also spearheading the digital media revolution with its iPod portable music and video players and iTunes online store, and has entered the mobile phone market with its revolutionary iPhone.
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Apple Announces Watchos 4 Apple Watch Update
SAN JOSE, Calif.–(BUSINESS WIRE)–Apple® today previewed watchOS® 4, featuring a proactive Siri® watch face that displays the information users need most throughout the day, personalized Activity coaching and an entirely new music experience. The update features an enhanced Workout app and introduces GymKit, a groundbreaking technology platform that will offer customers connected workouts with cardio equipment.
“Apple Watch is the ultimate device for a healthy life and is now more intelligent than ever with watchOS 4,” said Jeff Williams, Apple’s chief operating officer. “We’ve created a truly individualized experience with the smartest Activity and Workout apps, the Siri watch face that shows you the information you need when you need it and we’re seamlessly bringing users their favorite music right on the wrist.”
Intelligence
Siri intelligence extends further into Apple Watch® with the new Siri watch face. With each raise of the wrist, the information on the display dynamically updates based on the time of day, daily routines and pertinent data from apps such as Activity, Alarms, Breathe, Calendar, Maps, Reminders and Wallet, as well as headlines from the new Apple News™ app for Apple Watch.
With watchOS 4, the Activity app delivers intelligent coaching and tailored encouragement to help close Activity Rings more often and achieve longer success streaks. Every morning, users will receive a personalized notification if they’re close to earning an Achievement, or suggest what they can do to match yesterday’s activity levels. If needed, toward the end of the day, they’ll be told exactly how long they should walk to close their Activity Rings before the day is over. Users will also receive unique Monthly Challenges designed just for them.
Listening to music is more personal than ever with a redesigned Music app that automatically syncs your New Music Mix, Favorites Mix and most listened to music. With even more songs on the wrist, the effortless combination of Apple Watch paired with AirPods™ makes listening to music ideal for workouts or on the go.
Fitness
The updated Workout app now includes auto-sets for pool swim workouts and new motion and heart rate algorithms for High Intensity Interval Training (HIIT) workouts. With watchOS 4, customers doing back-to-back workouts or training for a triathlon can combine multiple workouts to capture overall calorie and time measurements.
With GymKit, customers using their favorite cardio equipment will soon be able to pair their Apple Watch directly to treadmills, ellipticals, indoor bikes or stair steppers from global manufacturers such as Life Fitness and Technogym with a simple tap. In an industry first, data not previously communicated between smartwatch and fitness machine will sync seamlessly — including calories, distance, speed, floors climbed, incline and pace — resulting in the most accurate measurements possible with less device management.
Watch Faces & Bands
In addition to the Siri watch face, new Toy Story watch faces bring to life favorite Pixar characters including Woody, Jessie and Buzz Lightyear, while the Kaleidoscope watch face turns static images into mesmerizing patterns. New complications include Now Playing and Apple News.
Today, Apple also introduced new summer band colors, giving customers more options than ever to express their personal style. This season’s offering includes vibrant Sports Bands, a bright yellow Classic Buckle and Nike Sport Band options that color-match with the Nike Air VaporMax Flyknit Day to Night Collection. As a celebration of diversity and inclusion, Apple is also offering a Pride Edition Woven Nylon in rainbow stripe.
Person to Person Payments with Apple Pay
With watchOS 4, Apple Watch users can make and receive person to person payments quickly, easily and securely with friends and family with Apple Pay®, within Messages or using Siri. When users get paid, they receive the money in their new Apple Pay Cash™ account and can use it instantly to send to someone, make purchases using Apple Pay in stores and apps, or transfer it to their bank account.
Pricing & Availability
watchOS 4 will be available this fall as a free update to Apple Watch paired with iPhone® 5s and later on iOS 11. WatchKit® for watchOS 4 is available immediately for iOS Developer Program members at chúng tôi For more information, visit chúng tôi Features are subject to change. Some features may not be available in all regions. My Favorites Mix and My New Music Mix require an Apple Music® subscription. Person to person payments and Apple Pay Cash will be available in the US on iPhone SE, iPhone 6 and later, iPad Pro®, iPad® 5th generation, iPad Air® 2, iPad mini™ 3 and later and Apple Watch.
• Apple Watch is available in two different case sizes, 38mm and 42mm. Apple Watch Series 1 is available in gold, rose gold, silver or space gray aluminum cases paired with a Sport Band and starts at just $269 (US); Apple Watch Series 2 is available in gold, rose gold, silver or space gray aluminum, or silver or space black stainless steel cases paired with a wide variety of bands starting at $369 (US); and the ceramic Apple Watch Edition starts at $1,249 (US) from chúng tôi Apple Stores and select Apple Authorized Resellers and carriers. For local availability, visit chúng tôi Apple Watch Nike+ starts at $369 (US).
• New Apple Watch Sport and Classic Buckle bands are available today on chúng tôi and will be available later this week at Apple Stores, select Apple Authorized Resellers and carriers in the US and over 35 countries and regions including Australia, Brazil, Canada, China, France, Germany, Hong Kong, Italy, Japan, Netherlands, Russia, Singapore, South Korea, Spain, Sweden, Switzerland, UAE and the UK. The Sport Band is $49 (US) and the Classic Buckle is $149 (US).
• The new Pride Edition Woven Nylon band is available today on chúng tôi and will be available later this week at Apple Stores in the US and over 35 countries and regions including Australia, Brazil, Canada, China, France, Germany, Hong Kong, Italy, Japan, Netherlands, Singapore, South Korea, Spain, Sweden, Switzerland, UAE and the UK. The Woven Nylon bands are $49 (US).
• New colors of the Nike Sport Band are available today on chúng tôi chúng tôi and at select Nike retail stores, and will be available later this week at Apple Stores, select Apple Authorized Resellers and select speciality stores and department stores in the US and over 35 countries and regions including Australia, Brazil, Canada, China, France, Germany, Hong Kong, Italy, Japan, Netherlands, Russia, Singapore, South Korea, Spain, Sweden, Switzerland, UAE and the UK. The Nike Sport Band is $49 (US).
• Customers who buy Apple Watch from Apple will be offered free Personal Setup, in-store or online,* to help set up and personalize their new Apple Watch with calendars, notifications, apps and more.
* In most countries.
© 2023 Apple Inc. All rights reserved. Apple, the Apple logo, watchOS, Siri, Apple Watch, Apple News, AirPods, Apple Pay, Apple Pay Cash, iPhone, WatchKit, Apple Music, iPad Pro, iPad, iPad Air, iPad mini and Apple Store are trademarks of Apple. Other company and product names may be trademarks of their respective owners.
Surfshark Vpn Review: Is It Good? (My Test Results)
Surfshark VPN
Adrian Try
Effectiveness: It’s private and secure
Price: $12.95/month or $59.76 yearly
Ease of Use: Simple to set up and use
Support: Chat support and web form
Why Trust Me for This Surfshark Review?
My name is Adrian Try. I’ve been computing since the 80s and surfing the net since the 90s. Over my career, I’ve set up office networks, home computers, and internet cafes. I ran a computer support business. In the process, I discovered that too many people wait until they are hacked before protecting themselves.
VPN software offers a solid first defense. I recently spent months installing, testing, and reviewing popular VPN software, comparing my own discoveries with industry experts’ test results and reviews. To prepare for this article, I subscribed to SurfShark, then installed it on my Apple iMac.
Detailed Surfshark VPN Review
Surfshark is designed to protect your privacy and security online. In this review, I’ll list its features in the following four sections. In each subsection, I’ll explore what the app offers and then share my personal take.
1. Privacy Though Online Anonymity
You’d be surprised how visible your online activities are. Your IP address and system information are sent to each website that you connect to.
That makes what you do online Iess anonymous than you may realize.
But there is one significant exception. Your VPN service sees it all! That makes the VPN provider you choose a crucial decision.
That’s one reason to avoid free VPN services, for instance. What’s their business model? It may include selling your personal information.
Surfshark has an unambiguous and complete privacy policy. They keep no record of your IP address, the sites you visit, or any other private data.
Some governments place a legal obligation on VPN providers to log activities. Surfshark is strategically located where this is not a requirement. They have excellent privacy practices, such as RAM-only servers that automatically lose all data when turned off.
Surfshark does collect anonymous usage and crash data, though you can easily opt-out in the app’s settings.
My personal take: While there’s no such thing as a 100% guarantee for online anonymity, choosing a reputable VPN service is a good start. Surfshark has an excellent privacy policy, doesn’t log your activities, and uses computers that don’t retain any data when turned off.
2. Security through Strong Encryption
Another source of concern is other users on your network. That’s particularly true if you’re on a public wireless network with strangers, like at a coffee shop.
They can use packet sniffing software to intercept and log all information sent between you and the wireless router.
They can redirect you to fake websites in an attempt to steal your passwords and accounts.
Hackers sometimes set up fake hotspots meant to look like they belong to a coffee shop. They’ll then log as much of your information as possible.
This is another area where VPNs can keep you safe. They create a secure, encrypted tunnel between your computer and the VPN server.
Surfshark had their security practices audited independently by the German company Cure53. They found Surfshark robust and unexposed.
The trade-off for this added security is a potential speed hit. First, adding encryption takes time. Second, running your traffic through a VPN server is slower than accessing the websites directly. How much slower? That depends on both the VPN service you choose and the distance of the server you connect to.
My download speed is typically around 90 Mbps when not connected to a VPN.
I connected to several Surfshark servers around the world to see how it would affect my speed. Here’s the full list of speed tests I performed.
Australian servers (closest to me):
Australia (Sydney) 62.13 Mbps
Australia (Melbourne) 39.12 Mbps
Australia (Adelaide) 21.17 Mbps
US servers:
US (Atlanta) 7.48 Mbps
US (Los Angeles) 9.16 Mbps
US (San Francisco) 17.37 Mbps
European servers:
UK (London) 15.68 Mbps
UK (Manchester) 16.54 Mbps
Ireland (Glasgow) 37.80 Mbps
That’s quite a wide range of speeds. I can choose a server close to me—say the one in Sydney—and still achieve around 70% of my usual download speed. Or I can connect to a server in a specific part of the world—to access content only available in that country—and accept that my connection will be slower.
The fastest server was 62.13 Mbps; the average of all the servers I tested was 25.16 Mbps. How does that compare to other VPN providers? Quite well. Here are the fastest and average server speeds over six VPN providers I tested when writing the Best VPN for Amazon Fire TV Stick review:
NordVPN: 70.22 Mbps (fastest server), 22.75 Mbps (average)
SurfShark: 62.13 Mbps (fastest server), 25.16 Mbps (average)
Windscribe VPN: 57.00 Mbps (fastest server), 29.54 Mbps (average)
CyberGhost: 43.59 Mbps (fastest server), 36.03 Mbps (average)
ExpressVPN: 42.85 Mbps (fastest server), 24.39 Mbps (average)
IPVanish: 34.75 Mbps (fastest server), 14.75 Mbps (average)
Another is MultiHop, a form of double-VPN that connects to more than one country at a time, taking your privacy and security to another level. For even greater anonymity, they offer TOR-over-VPN. Two further security settings will automatically open Surfshark whenever you log in to your computer, then maintain the connection when another user logs in. This makes sure that you’re always protected when online.
A final setting protects you by blocking web access if you’re unexpectedly disconnected from the Surfshark server. This is commonly known as a “kill switch” and is enabled by default.
3. Access Sites that Have Been Blocked Locally
On some networks, you may find you can’t access certain websites. Your employer, for instance, might block Facebook and other social networks to foster productivity. Schools typically block websites that are not suitable for children. Some countries block web content from the outside world.
One benefit of a VPN is that it can tunnel through those barriers. Surfshark calls this “no borders mode.
But be aware there may be consequences. Your school, employer, or government won’t be thrilled that you’re bypassing their firewall. You could lose your job or worse. Since 2023, China has been handing out hefty fines to individuals who do this.
My personal take: Surfshark can bypass online censorship, giving you access to sites that your employer, school, or government are actively blocking. Consider the consequences, though, before attempting this.
4. Access Streaming Services that Have Been Blocked by the Provider
Some blocking happens at the other end of the connection: the website itself may block you. VPNs help here too.
A prime example: video streaming services need to respect licensing agreements that vary from country to country. They may not be allowed to stream certain content in some locations. So they set up geoblocking algorithms that determine your location from your IP address. We cover this in more detail in our article, Best VPN for Netflix.
If you use a VPN, those providers see the IP address of the server you connected to. Connecting to a Surfshark server in the United States makes it appear that you’re located there, giving you access to content you wouldn’t normally have.
As a result, Netflix now attempts to identify and block users who use VPN services. BBC iPlayer does the same to ensure their viewers are located in the UK. These measures work with many VPNs, but not all.
When I tested Surfshark, Netflix never realized that I was using a VPN. I could access content when connected to each of nine different servers around the world:
Australia (Sydney) YES
Australia (Melbourne) YES
Australia (Adelaide) YES
US (Atlanta) YES
US (Los Angeles) YES
US (San Francisco) YES
UK (London) YES
UK (Manchester) YES
Ireland (Glasgow) YES
I had the same success when connecting to the BBC iPlayer from servers within the UK:
UK (London) YES
UK (Manchester) YES
Ireland (Glasgow) YES
How does Surfshark compare with other VPN providers? They have 1700 servers in 63 countries around the world, which is quite competitive:
PureVPN: 2,000+ servers in 140+ countries
ExpressVPN: 3,000+ servers in 94 countries
Astrill VPN: 115 cities in 64 countries
CyberGhost: 3,700 servers in 60+ countries
NordVPN: 5100+ servers in 60 countries
Avast SecureLine VPN: 55 locations in 34 countries
It was more successful than half of the other VPNs when connecting to Netflix:
Avast SecureLine VPN: 100% (17 out of 17 servers tested)
Surfshark: 100% (9 out of 9 servers tested)
NordVPN: 100% (9 out of 9 servers tested)
PureVPN: 100% (9 out of 9 servers tested)
CyberGhost: 100% (2 out of 2 optimized servers tested)
ExpressVPN: 89% (16 out of 18 servers tested)
Astrill VPN: 62% (15 out of 24 servers tested)
IPVanish: 33% (3 out of 9 servers tested)
Windscribe VPN: 11% (1 out of 9 servers tested)
My personal take: Surfshark can give you access to content that’s only available in other countries. When you connect to one of their worldwide servers, it looks like you’re actually located there. In my experience, Surfshark could successfully stream Netflix and BBC content meant for different locations every time.
Reasons Behind My SurfShark Ratings
Effectiveness: 4.5/5
Surfshark offers the features you need and additional security features such as double-VPN, a kill switch, and an ad blocker. They have servers in 63 servers around the world that offer fast enough speeds to stream video content. I was successful at connecting to Netflix and the BBC iPlayer every time I tried.
Price: 4.5/5
Ease of Use: 4.5/5
Surfshark is easy to configure and use. The kill switch is enabled by default. You can select a server from a list sorted by continent. Finally, the app’s settings are easy to navigate.
Support: 4.5/5
Surfshark’s Help Center offers easy-to-follow video and text guides; a FAQ and Knowledge Base are also available. You can contact support via chat or a web form. I tested it out, reaching out by chat. I received a reply in about two minutes.
Alternatives to Surfshark
NordVPN (Windows, Mac, Android, iOS, Linux, Firefox extension, Chrome extension, Android TV, from $11.95/month) is a reliable, easy-to-use VPN service.
ExpressVPN (Windows, Mac, Android, iOS, Linux, router, from $12.95/month) combines power with usability.
AstrillVPN (Windows, Mac, Android, iOS, Linux, router, from $15.90/month) is easy-to-configure and offers reasonably fast speeds.
Avast SecureLine VPN (Windows or Mac $59.99/year, iOS or Android $19.99/year, 5 devices $79.99/year) includes most of the features you need and is easy to configure and use.
Conclusion
Surfshark is one of the most highly-rated VPN apps on the market. It’s effective and easy to use. We named it the winner of our Best VPN for Amazon Fire TV Stick roundup. The service offers apps for Mac, Windows, Linux, iOS, Android, Chrome, and Firefox.
The app’s official website’s FAQ speaks of a free trial period, but that’s no longer available on desktop platforms. I confirmed this with Surfshark support. They gave me a workaround. First, install the mobile app from the iOS App Store or Google Play Store, where you’re offered a free 7-day trial. After that, you can sign in on other platforms using the same username and password.
Apple Announces Steve Jobs Has Passed Away
Apple co-founder and visionary CEO Steve Jobs has passed away at the age of 56.
Apple has lost a visionary and creative genius, and the world has lost an amazing human being. Those of us who have been fortunate enough to know and work with Steve have lost a dear friend and an inspiring mentor. Steve leaves behind a company that only he could have built, and his spirit will forever be the foundation of Apple.
Below are pieces of remembrance from some of the people surrounding Steve Jobs.
Statement issued by Apple’s Board of Directors:
We are deeply saddened to announce that Steve Jobs passed away today.
Steve’s brilliance, passion and energy were the source of countless innovations that enrich and improve all of our lives. The world is immeasurably better because of Steve.
His greatest love was for his wife, Laurene, and his family. Our hearts go out to them and to all who were touched by his extraordinary gifts.
Steve Jobs’ family have provided the following statement:
Steve died peacefully today surrounded by his family.
In his public life, Steve was known as a visionary; in his private life, he cherished his family. We are thankful to the many people who have shared their wishes and prayers during the last year of Steve’s illness; a website will be provided for those who wish to offer tributes and memories.
We are grateful for the support and kindness of those who share our feelings for Steve. We know many of you will mourn with us, and we ask that you respect our privacy during our time of grief.
CEO Tim Cook just issued the memo below internally to the company:
Team,
I have some very sad news to share with all of you. Steve passed away earlier today.
Apple has lost a visionary and creative genius, and the world has lost an amazing human being. Those of us who have been fortunate enough to know and work with Steve have lost a dear friend and an inspiring mentor. Steve leaves behind a company that only he could have built, and his spirit will forever be the foundation of Apple.
Tim
Bill Gates offers his condolences (via AllThingsD):
I’m truly saddened to learn of Steve Jobs’ death. Melinda and I extend our sincere condolences to his family and friends, and to everyone Steve has touched through his work.
Steve and I first met nearly 30 years ago, and have been colleagues, competitors and friends over the course of more than half our lives.
The world rarely sees someone who has had the profound impact Steve has had, the effects of which will be felt for many generations to come.
For those of us lucky enough to get to work with him, it’s been an insanely great honor. I will miss Steve immensely.
From the earliest days of Google, whenever Larry and I sought inspiration for vision and leadership, we needed to look no farther than Cupertino. Steve, your passion for excellence is felt by anyone who has ever touched an Apple product (including the macbook I am writing this on right now). And I have witnessed it in person the few times we have met.
On behalf of all of us at Google and more broadly in technology, you will be missed very much. My condolences to family, friends, and colleagues at Apple.
Steve, thank you for being a mentor and a friend. Thanks for showing that what you build can change the world. I will miss you.
AT&T released the following statement:
We are saddened by the passing of Steve Jobs. Steve was an iconic inventor, visionary, and entrepreneur, and we had the privilege to know him as partner and friend. All of us at AT&T offer our thoughts and prayers to Steve’s wife, family, and his Apple family.
Disney CEO Bob Iger:
And the note to Disney employees:
Dear Colleagues:
After a courageous fight, Steve Jobs has lost his long battle against cancer. It’s almost incomprehensible that such a force of nature could ever be subdued, much less stilled. With his passing the world has lost a rare original, Disney has lost a member of our family, and I have lost a great friend.
Steve once shared his views on life with college graduates in a commencement address that, true to his style, set a new standard. He said, “Your time is limited, so don’t waste it living someone else’s life…have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary.”
That’s how Steve lived, who he was, and how I will always remember him.
Our thoughts and prayers are with his wife Laurene and his children during this difficult time.
Bob
“Think Different.”
Sent from my iPad
President Barack Obama via The White House Blog:
Michelle and I are saddened to learn of the passing of Steve Jobs. Steve was among the greatest of American innovators – brave enough to think differently, bold enough to believe he could change the world, and talented enough to do it.
By building one of the planet’s most successful companies from his garage, he exemplified the spirit of American ingenuity. By making computers personal and putting the internet in our pockets, he made the information revolution not only accessible, but intuitive and fun. And by turning his talents to storytelling, he has brought joy to millions of children and grownups alike. Steve was fond of saying that he lived every day like it was his last. Because he did, he transformed our lives, redefined entire industries, and achieved one of the rarest feats in human history: he changed the way each of us sees the world.
The world has lost a visionary. And there may be no greater tribute to Steve’s success than the fact that much of the world learned of his passing on a device he invented. Michelle and I send our thoughts and prayers to Steve’s wife Laurene, his family, and all those who loved him.
Chief creative officer John Lasseter and president Ed Catmull for Walt Disney and Pixar Animation Studios:
Steve Jobs was an extraordinary visionary, our very dear friend and the guiding light of the Pixar family. He saw the potential of what Pixar could be before the rest of us, and beyond what anyone ever imagined. Steve took a chance on us and believed in our crazy dream of making computer animated films; the one thing he always said was to simply ‘make it great.’ He is why Pixar turned out the way we did and his strength, integrity and love of life has made us all better people. He will forever be a part of Pixar’s DNA. Our hearts go out to his wife Laurene and their children during this incredibly difficult time.
Adobe co-founders John Warnock and Chuck Geschke,
We have always had great admiration and respect for Steve. The world is a better place because of him, and his absence will leave a huge hole in the world of technology.
We will miss him greatly.”
Steve Jobs will be truly missed. Our hearts go out to his family. Rest in peace.
Flags at Apple’s Cupertino headquarters fly at half staff this evening (via Scoble):
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Apple Announces Os X Yosemite Available Today For Free
After previewing OS X Yosemite for the second time since its WWDC event in July, Apple announced today that OS X 10.10 Yosemite will be available today through the Mac App Store [direct link when live] at no cost to users. Mac users running OS X 10.8 Mountain Lion and 10.9 Mavericks can upgrade can upgrade to 10.10 Yosemite, although newer hardware is required for some features. OS X Yosemite brings a redesigned look and feel to the Mac as well as several features like iCloud Drive, Handoff and Continuity, Notification Center widgets, and more.
OS X Yosemite offers up a redesigned version of Safari with a birds-eye view of tabs similar to the iOS 8 browser, more intelligent search with results from iTunes, Maps, Bing, Wikipedia and more, more privacy features like DuckDuckGo search as an option, and native support for Netflix so you no longer need Microsoft’s Silverlight plug-in to watch content.
Mail on Yosemite is also updated with a new Markup feature for annotating content as well as Mail Drop, which allows you to send attachments up to 5GB over email using iCloud.
Messages can now receive SMS text messages from your iPhone and an added microphone button allows you to send voice messages to other Yosemite users as well as iOS 8 users. The whole app is redesigned with the iOS iMessage look and feel. Messages on Yosemite also allows you to view shared locations of family and friends similar to the iOS Find My Friends app.
Finally, Spotlight is overhauled on OS X Yosemite with more search results from sources like Wikipedia, Bing, Maps and more which include movie times and news with interactive previews.
OS X 10.10 Yosemite is available for free for OS X 10.8 and 10.9 users through the Mac App Store [direct link when live].
OS X Yosemite Available Today as a Free Upgrade
Introduces New Design & Amazing Continuity Features
OS X Yosemite has been redesigned with a fresh, modern look, while maintaining the power and familiarity users expect from a Mac. Streamlined toolbars make more room for your content, and use translucency to reveal additional app content as you scroll. Other translucent elements, such as window sidebars, take on the feel of your desktop picture and give you a sense of what’s hidden behind the active window. App icons have a clean, consistent design, and a new system font improves readability on every Mac and looks stunning on a Retina® display.
Yosemite includes amazing Continuity features that make your Mac and iOS devices perfect companions.* Handoff automatically passes what you’re doing from one device to another, like writing an email or surfing the web. Instant Hotspot makes using your iPhone’s hotspot as easy as connecting to a Wi-Fi network.** AirDrop® now works between Mac and iOS, so you can quickly and easily share content across devices. All the SMS messages that previously only appeared on your iPhone now can automatically appear in Messages on your Mac and all your iOS devices. You can even make and receive iPhone calls on your Mac.***
Family Sharing, so family members can now browse and download each other’s iTunes, iBooks® or Mac App Store purchases.
Yosemite also delivers platform technologies that make it easier for developers to create amazing new Mac apps. Swift™ is a powerful, next-generation programming language for iOS and OS X that’s fast, modern, interactive and helps developers write safer and more reliable code. SpriteKit makes it easier for developers to incorporate realistic motion, lighting and physics in games and when integrated with SceneKit, makes it simple to create games with animated 3D scenes and effects.
OS X Yosemite is available as a free upgrade today from the Mac App Store. Yosemite supports all Macs introduced in 2009 or later, and some models introduced in 2007 and 2008. For a complete list of system requirements and compatible systems, please visit chúng tôi Continuity features require iOS 8.1, which is available as a free upgrade starting October 20. OS X Server 4.0 requires Yosemite and is available from the Mac App Store for $19.99 (US).
*** Cellular data charges may apply.
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Apple, the Apple logo, Mac, Mac OS, Macintosh, OS X, Mac App Store, iPhone, Spotlight, Safari, iTunes, Retina, AirDrop, App Store, iTunes Store, iBooks Store, iCloud Drive, iCloud, iPad, iBooks and Swift are trademarks of Apple. Other company and product names may be trademarks of their respective owners.
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Top 10 Financial Planning Books
Best Books to Understand Financial Planning
This list of books helps you learn how to manage your finances effectively. It is a comprehensive list that allows you to plan your finances better. The books give step-by-step guidance to different investment plans.
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Here are the top 10 financial planning books to help you invest and save wisely.
Let us go through the reviews of each book.
Book #1: The total money makeoverAuthor: Dave Ramsey
Buy this book here.
Review:The book’s subject concerns the modus operandi of personal finance and how debts can cause severe financial troubles. The book focuses on how managing finance is important and living a debt-free life is worthwhile. The book focuses on changing behaviors rather than increasing financial capacity.
Key Points:
The “Debt Snowball” essentially lists all debts from smallest to largest (excluding mortgage) and dedicates all financial resources to paying off the debt from smallest to largest.
The book recommends investing 15% of your income for retirement. This number is somewhat useless because it ignores age and when you want to retire.
Use mutual funds, specifically growth-stock mutual funds. The book implies that, by following this strategy, you should receive a 12% return on your investment.
Book #2: Psychology of MoneyAuthor: Morgan Housel
Buy this book here.
Review:The Psychology of Money gives new insight into why and how consumers interact with cash. Morgan Housel shares many short stories allowing you to consider the world’s interactions with cash more closely.
Key Points:
Discover all the different ways that people think about cash.
See why smart people make wrong money decisions.
Learn how to harness your mental approach to money.
Book #3: Rich Dad Poor DadAuthor: Robert T. Kiyosaki
Review:Rich Dad, Poor Dad” is a story of two fathers. One of them has a collection of diplomas and degrees. The other is a high school dropout. When the overqualified father dies, he leaves next to nothing behind, including some unpaid bills. The school dropout father will become one of Hawaii’s wealthiest men and pass on an empire to his son. Throughout his life, the former would say, “I can’t afford to treat myself.” But the latter would say: “How can I treat myself?”
Key Points:
The main reason that people struggle with financial problems is that they spend many years in school without learning about money and investments. The result is that people know to work at the service of money but do not learn to put money to work for them.
Some people leave their job because they don’t get paid enough. Others see it as an opportunity to learn something new.
Its main objective is to teach you how to enter the working world, allowing you to become a good employee.
Book #4: The Million-Dollar Financial AdvisorAuthor: David J. Mullen Jr.
Buy this book here.
Review: Key Points:
Save time and effort by crafting efficient processes for every critical task.
Catapult revenue with wealth-management offerings that clients will pay a premium for.
Expand your practice with great marketing.
Book #5: The Dumb Things Smart People Do with Their MoneyAuthor: Jill Schlesinger
Buy this book here.
Review:When making important financial decisions, thinking from your heart instead of your brain is easy. So if you’ve made well-intentioned mistakes like saving for your child’s college before retirement or taking on extreme risk when investing, you’ve come to the right place. And if you’ve avoided uncomfortable moments such as making a will or planning for long-term care for an aging parent, this is the book for you. Jill also points out that you might be saddling your kids with money issues and shows you how to stop the cycle.
Key Points:
The book tells you how to break wrong habits and follow Jill’s practical and accessible rules for financial management.
This way, you can save tens or even hundreds of thousands of dollars and avoid sleepless nights.
This book tells you what you need to hear about retirement planning, insurance, college financing, how to save money, real estate, and more.
Book #6: Private Wealth ManagementAuthor: G. Victor Hallman and Jerry Rosenbloom
Buy this book here.
Review:Everyone has witnessed stock market booms and busts, various presidential administrations, economic prosperity and downturns, and technological revolutions in the last 30 years. Through it all, this classic guidebook has retained its status as the most up-to-date and accurate resource to help Americans protect their futures by ensuring their families, investing wisely, and planning for their estates and retirements.
Key Points:
This wealth-building tool features proven cutting-edge financial thinking and high-return/ low-risk strategies in virtually every applicable area.
It includes Index funds, Dollar-cost averaging, Value investing, Profit-sharing plans, Fixed-income investing, and Stock bonus plans.
The book offers an effective, coordinated process that shows readers how to plan a prosperous financial future in today’s no-guarantee financial environment. It also helps set financial objectives and understand the planning process for investing in equities and fixed-income securities.
Book #7: The Intelligent InvestorAuthor: Benjamin Graha
Buy this book here.
Review:Written in 1949, this book on investment and financial management holds relevance even to this day. It focuses on strategies one could embrace to invest successfully in the stock market. Benjamin Graham, the author, focuses on how one can determine the value of a stock in terms of numerous parameters like the company’s long-term prospects, financial strength, dividend record, and so on. It also helps the reader understand how the stock market operates on the greed factor of the investors, the fears, speculations, and short-term investors. At the end of this book, one would not just learn the nuances of investing in the stock market and the various jargon associated with it but would also be able to have emotional control over their investment decisions.
Key Points:
Make informed investment decisions rather than emotional ones
Understand how to analyze the companies and their stocks before investing
Understand how to steer clear of the herd mentality
Book #8: A Random Walk Down Wall StreetAuthor: Burton G. Malkiel
Buy this book here.
Review: Key Points:
An easy guide to managing one’s investment portfolio without a broker.
Talks in detail about different investment types and not just limited to stocks and bonds.
Provides prudent strategies to increase the return on investments in the long run.
Book #9: The Little Book of Behavioral InvestingAuthor: James Montier
Buy this book here.
Review:How often do we spend time to understand their investment patterns and see if the decisions we make are emotion-driven or data-driven? Well, here is one book that would change this forever. This book by James Montier focuses on a time-tested narration of the behavioral patterns of investors and how certain behaviors might be signing up people for their failure. In other words, the book provides a detailed analysis of all the psychological pitfalls one could face while trying to invest.
Key Points:
The book digs deep into the importance of data over emotions in investments.
It helps the reader understand the psychological biases that interfere with investment decisions.
Research-driven insights on common pitfalls of investments and how one could avoid them.
Book #10: It’s Your Money: Becoming a Woman of Independent MeansAuthor: Gail Vaz-Oxlade
Buy this book here.
Review:It is common knowledge that most women, even to this day, do not enjoy financial independence. In this book, Gail Vaz-Oxlade focuses on helping women worldwide understand how investments work and how to put their money to good use. This book acts as a guide that helps women understand how they can gain financial freedom, invest right, and take control of their money. In other words, this book acts as a great DIY financial independence book and considers various real-life events and the financial changes that come with them. Hence, it is relatable to everyone, irrespective of their financial background.
Key Points:
It serves as a guide to help people become debt-free.
It puts money and life into perspective and focuses on building financial freedom.
The book helps overcome challenges in life without putting a strain on one’s finances.
Recommended BooksThis article reviews the top 10 financial planning books to guide individuals. To know more, read the following books,
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