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Travel Money – a powerful app to manage group expenses

Posted by wicked May - 15 - 2014 - Thursday Comments Off
Travel Money - Payments on a Map

Travel Money has some powerful features for keeping track of expenses you may split when traveling with a group of people. It supports multiple currencies and spending statistics. Read this review to determine whether it will help you stay on track of expenses on your next trip! Price: Free, $2.49 Tested on: Samsung Galaxy S4 Content… View Article

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Samsung forecasts decline in operating profits

Posted by wicked April - 8 - 2014 - Tuesday Comments Off

samsung galaxy s5 aa (24 of 36)

It’s financial statement season and Samsung is the next technology company to announce that it’s experiencing tougher times.

Samsung Electronics has revealed that it expects to make an operating profit of 8.4 trillion won in the quarter for January to March this year, that’s approximately $7.9 billion or £4.8 billion. Whilst that still looks like a healthy level of income, this result would mark a 4 percent decline in profit compared with the same period last year. Not only that, but Samsung faced a similar 6 percent decline in operating profit in the previous quarter as well.

Whilst Samsung may not be struggling with quarterly losses like HTC, there seems to be a squeeze on profits across the technology sector, particularly in the mobile space. Some analysts attribute this to declining margins in the smartphone market, as well as a general lack of growth in the premium sector of the market. The smartphone business is as competitive as ever, but cost cutting in the pursuit of capturing and maintaining market share is having a negative impact on profits.

Samsung stock April 2014

Unlike some other smartphone manufacturers, Samsung’s diverse range of products is helping to see the company through the smartphone squeeze. The stock price remains near its high.

Of course, these figures don’t take into account the global launch of the company’s new flagship Galaxy S5, due to go on sale on April 11th, which is sure to have a positive impact on Samsung’s revenue and profit margins. We have already seen that the handset has made a strong start in South Korea, despite the partial sales ban. However, the Wall Street Journal is not particularly optimistic about the Galaxy S5’s sales expectations, given the mixed reception of some of the handsets features, or lack thereof.

“What Samsung needs to do this year for additional growth are things like cost reduction and reducing marketing costs,” Greg Roh, HMC Investment and Securities.

To Samsung’s credit, the company is already diversifying always from the stagnating smartphone market, a move which could help it maintain a healthier profit margin than the competition, see growth in areas such as wearables for example. We will just have to wait and see if the Galaxy S5 can surpass the last generation’s sales figures.

HTC Q1 Losses Climb to $62 Million, but March Revenue Improves

Posted by wicked April - 7 - 2014 - Monday Comments Off
HTC Q1 Losses Climb to $62 Million, but March Revenue Improves

HTC posted its Q1 2014 financials today, and they are decidedly mixed. The company’s profits were less than investors expected, but one-month revenue rose incrementally after 28 consecutive months of declines.

The company’s first-quarter loss was NT$1.88 billion, which amounts to $62 million. That is worse than the Bloomberg-compiled analyst estimate of NT$1.59 billion loss and HTC’s own Feb. 10 forecast of NT$860 million. Revenue for the quarter fell to NT$33.1, down from $NT42.8 billion last year. 

However, HTC reported that March revenue was up 2.16% year-over-year.

A few investors are wary that the critically well-received HTC One (M8) won’t be able to maintain selling momentum in the face of Samsung’s Galaxy S5, but Chief Financial Officer Chang Chialin said that a focus on mid-range devices this year would help to buoy profitability.

As for our opinion, if the company plans to remain afloat on mid-range devices, 2014 could be quite a long financial year for the Taiwan-based OEM. Although, the Moto G, Motorola’s budget-friendly smartphone, is reportedly its most successful device ever. Maybe HTC can pull something off, too.

Via: HTC [2] | Bloomberg

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HTC sales slowing, profitability hinges on the new One (M8)

Posted by wicked April - 7 - 2014 - Monday Comments Off

htc one m8 outdoors (10 of 17)

Cast your mind back to last year, and the launch of the original HTC One (M7), and you may recall that HTC’s financial forecasts were looking a little shaky. Several important company figures resigned over the situation, including the Chief Operating Officer Matthew Costello. Since then, things have been a little steadier over at HTC, but the company still hasn’t seen a return to its prime.

The company’s sales slowed again ahead of the launch of the new HTC One (M8), which resulted in the company posting its second loss in three quarters. The company’s Q1 2014 loss amounted to NT$1.88 billion ($62 million), which is slightly worse than many analysts’ expected average loss of NT$1.71 billion, and right in the middle of HTC’s own February 10th forecast loss of between NT$860 million to NT$3.11 billion. Even more worryingly, revenue for the quarter fell to NT$33.1 billion, down from NT$42.8 billion over the same period last year.

“The company expects to see positive trajectory of its revenue in April from March and forecasts quarter-on-quarter revenue growth in the second quarter,” HTC

On the plus side, HTC’s March sales figures grew by 2.2 percent over the previous year, and HTC is predicting a return to profit next quarter, based on sales from its newly launched HTC One (M8). However, an analysts at SinoPac Financial Holdings Co. has suggested that, despite the positive figures for March, HTC’s sales are weaker than the company anticipated.

HTC Stock Price

HTC’s stock value has taken a battering over recent years, with new devices doing very little to calm investor nerves.

Considering that HTC has just released a range of new products, the next quarter’s earnings report is going to be a crucial one for the company. HTC will be holding its next earnings call in early May, where sales of the new flagship HTC One (M8), as well as mid-range products like the Desire 816, will be a deciding factor in determining whether HTC is capable of turning its fortunes around.

If all this seems familiar, we were saying virtually the same thing with last year’s launch of the original HTC One (M7), which turned out not to change that much for the company.

“The important thing to watch will be whether they can sustain sales into the third month after M8’s product release,” Birdy Lu

Despite a strong line-up of handsets, HTC still appears to be struggling to carve out a large enough market for itself to compete with the likes of Samsung. What do you makes of HTC’s odds of turning things around with its new line-up of handsets?

T-Mobile’s growth in the US mobile industry is amazing

Posted by wicked March - 21 - 2014 - Friday Comments Off

t-mobile phone store JeepersMedia

In the United States, the cell phone industry is one of the hardest duopolies to break. AT&T and Verizon have secured around 75% of the smartphone market. Yet, T-Mobile has done just about the impossible and shown remarkable growth in 2013 and promise for 2014.

At the end of 2012, T-Mobile was down 9.8% and coming off their worst point of revenue growth along with being the only major company not offering the iPhone. Fast forward one year and T-Mobile has grown 8.5% to approximately 46.7 million customers. To put that in perspective, you will not find any other company growing that much in the same time frame. In fact, AT&T has been hovering at the 4% mark, Verizon around 8%, while Sprint is staying at approximately 0.5%. So, while other mobile companies had service revenue staying stagnant, T-Mobile showed positive results.

T-Mobile did it by ending early-termination fees for those switching to another carrier, allowing users to upgrade their smartphone anytime they want (in their “Jump” plan”) and with their Value Plans. Even with revenue increases of 10.3% to $6.83 billion, T-Mobile has received a mild response from Wall Street which had multiple agencies predicting revenues above $6.90 billion.

Either way, T-Mobile’s customer growth was fantastic with a reported 1.6 million net customer additions in the fourth quarter and gross customer additions up 80 percent in 2013. If we include the acquisition of MetroPCS Communications, T-Mobile added 4.4 million total customers in the fourth quarter of 2013. Citigroup’s Michael Rollins has noted that because T-Mobile had added 1.65 million subscribers in the Q4 of 2013, it was their “best branded postpaid performance in eight years,” at 869,000 net additions.

screen shot 2014-03-19 at 8.52.49 am

By the way, does anyone remember the doomsday scenarios that AT&T and their paid minions stated would occur if T-Mobile didn’t merge with AT&T under the $39 billion dollar deal?

Customers will be harmed and needed investment will be stifled.” – AT&T after their announcement that the merger with T-Mobile was dead”

Well, this week we learned that T-Mobile’s valuation has been recently raised to around $49 billion. Funny what happens when a company actually invests in improving their network and rethinking their strategy in the wireless marketplace.


Samsung’s yearly profits up 27% after strong mobile growth

Posted by wicked January - 24 - 2014 - Friday Comments Off

Samsung Brand Shots CES 2014-3

It’s the time of the year when companies publish their earnings reports for the previous year. Most recently Samsung took its turn to let investors know how the company has performed throughout 2013, and it appears that Samsung is having some mixed fortunes.

Samsung’s financial report shows, as predicted, that the company’s fourth quarter operating profit held steady compared with Q4 2012, quarter on quarter profits fell slightly, whilst yearly operating profit rose by 27%.

Despite the fall in quarterly operating profit, Samsung’s Q4 2013 sales revenue was actually up by just over 3 trillion Won ($2.8 billion) compared with Q4 2012, and yearly sales grew by a very healthy 27.6 trillion Won ($25 billion).

Looking more specifically at the company’s mobile operations, year on year revenue was up a very healthy 32%, however going from Q3 to Q4 2013 Samsung’s mobile sales actually declined by 9%. A slightly worrying sign considering that Q4 is usually a time when consumers are willing to spend a little more money.

Samsung sales and profits 2013

Operating profit was even worse off, suffering an 18% decline in the mobile communications department during the fourth quarter. However, Samsung was keen to explain that this decline in profitability was more a result of marketing costs and “year-end inventory adjustments” which lowered shipments and affected profits. Samsung points out that its smartphone and tablet sales are stronger than ever, and on a year by year basis that is certainly the case.

In future Samsung is aiming to curb its marketing costs in order to realise a greater profit on its growing mobile sales. Senior Vice President Kim Hyunjoon told analysts that:

we will try to raise the efficiency of our marketing spend and lower our overall mobile marketing budget to revenue this year compared with last year

Mr Hyunjoon believes that one way to do this may be to obtain coverage through sponsoring global sports events, such as the Sochi Winter Olympic games, rather than by direct marketing. We’ll have to wait and see exactly what this means for this year’s upcoming devices.

Overall 2013 was another positive year for Samsung, and with the Galaxy S5 waiting just around the corner 2014 will likely be another financially strong year.


Level is a visually pleasing finance app that links to your bank account

Posted by wicked January - 17 - 2014 - Friday Comments Off

Didn’t really care for any of the apps we suggested for managing your budget? Level Money is another budgeting app, but this is probably the most uniquely designed one. The developer says “Level is the radically simple, digital equivalent of opening up your wallet to see what you can spend today, this week, or this month.” After linking your bank account(s), Level detects income and fixed expenses; therefore, users always know where they stand.

Hit the break for a video, gallery, and download links.

Click here to view the embedded video.


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Play Store Download Link

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Level Comes to Android, a Pretty Way to Manage Spending Money

Posted by Kellex January - 16 - 2014 - Thursday Comments Off

Level, a popular iOS financial management app, is now available on Android for those of you looking for help with monthly spending money. Level connects to the top 100 banks in the U.S. (also does savings and credit cards), reads transactions and bills, figures out what you are spending money on, and calculates leftover cash for you to use for the things that bring you joy in life. It’s an automated money management system that also looks quite pleasing. 

Once you setup Level with your bank account, it claims that you won’t have to touch it again as it is constantly learning from your spending habits. The longer you’ve used it, you’ll start to see how much money you have left to spend on yourself by the day, week, or month. It also has a tablet layout.

Oh, Level should “always” be free too.

Play Link

The 5 Best Android apps for managing your budget [January 2014]

Posted by wicked January - 15 - 2014 - Wednesday Comments Off


It’s the start of a new year, and for a lot of people, that means New Years resolutions. Some things, like finally getting in shape, can be pretty tough resolutions to keep, but there are plenty of other things you can pick that are much easier to manage. One popular resolution is to better manage your budget and finances, and that’s where this guide is going to come in handy. We’re going to go over the best available Android apps to help you track your spending, expenses, and bills for the new year.



Mint is a powerful budgeting tool and service that helps you track your monthly bills, income, and spending. One of the best features Mint has is that it pulls all of your financial information together and displays it under one account. Your bank accounts, savings accounts, credit cards, etc. are all consolidated into one place to see. If you handle multiple accounts with all of your money, this is helpful because it keeps everything together and updates automatically so you won’t have to manage a checkbook or check several different sites or apps for your money.

Aside from the basics of Mint, it also has many tools to help you keep up with your budget. Mint breaks down all of your spending into different categories, from entertainment to bills to gas to food, and allows you to view your spending in several different ways. You can sort spending, view individual transactions (from either a checking account or credit card) or see all of your spending in a chart. The chart is useful for determining what’s costing you the most money each month, whether that’s gas, food, or anything else.

Mint also offers several different ways to track bills and accounts. It can be set up to automatically alert you when you have bills coming up, low balances on accounts, or even unusual spending on any of your accounts. The app (on both phone and tablet) can do this, or you can set it up to send you emails and text messages. On top of that, Mint will send you monthly emails detailing how you’ve spent your money and suggestions  for improving your budget and savings.

Mint is one of the most fully featured apps on this list, as it just offers a ton of ways to do a ton of different things. If you’re looking for something to act as a personal budget assistant and automatically help you track your money, Mint is the way to go.

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Play Store Download Link



Ledgerist is a very basic app compared to something like Mint. It’s essentially a digital ledger for your checkbook on your phone, which is handy for cutting down on how much you have to write to balance a checkbook and multiple accounts.

With Ledgerist you have the option to set up different accounts, which you can name anything you want. Obviously to get the most use out of the app, you would want names like “checking account,” “credit card,” or “cash,” but it’ll accept anything. After setting a starting balance for each account, you can then add transactions, which are either deposits or withdrawals, and that’s more or less the point of the app.

Ledgerist doesn’t offer any ways to integrate into existing accounts or to update anything automatically, so you’ll have to manually input each time you spend any money or have any money deposited to an account. If you’re looking for something to handle your finances automatically without much input, Ledgerist won’t fit the bill. If you need a quick way to jot down how much money you’re spending, however, it’s simple and does the job exceptionally well.

Aside from tracking and displaying your spending, you can organize all of your transactions. Each transaction can be named and can have notes applied to it, as well as a date. This is helpful for sorting out your transactions to see how much you’re generally spend on specific things, like movies or going out to eat. Again, it’s not going to do much automatically, but it’s a very useful tool for someone wanting to organize their spending.

It’s clearly a pretty basic application, but sometimes basic is the best option. Ledgerist does cost $1.99 in the Play Store, and the interface is a little dated, but if you know you only need something small and simple, it’s worth checking out.

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Play Store Download Link



Manilla is a fully-featured app that conveniently brings all of your accounts and bills into one place. It goes beyond just managing your bills and money accounts and adds in things like subscription services and travel rewards as well as your standard bank accounts, credit cards, and monthly bills.

To start off with, you’ll create a Manilla account, then individually add accounts to keep track of. Manilla supports over 3,000 different types of accounts, which includes your traditional credit cards, bank accounts, and normal bills, but also covers things like magazine subscriptions and Netflix. All of these accounts are automatically updated and kept within the app, so it’s easy to glance over your entire financial situation. On top of that, Manilla is an excellent tool to keep up with your bills. You can easily check different billing statements, set up reminders, and best of all, Manilla can pull an image of your bill or statement for you to save, email, or print. It’s almost like having all of your paperwork filed away in an app instead of taking up space in a drawer.

In the off chance that Manilla doesn’t support the type of account you want to track, (or for something like your rent) it does support custom billing and reminders. Overall, it’s extremely flexible to get Manilla to track what you need it to.

You can manage your Manilla account across smartphones, tablets, and a web interface, so it’s available just about anywhere. If you need a powerful solution that also offers a ton of flexibility, Manilla is free and definitely worth checking out.

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Play Store Download Link



Pageonce has been around for a while, but it’s name has recently changed to Check. Check takes a slightly more hands-on approach to handling your money than some of the other apps on this list; instead of just showing you your current financial status and reminding you to pay bills, Check will actually pay your bills for you. Unfortunately, you’ll still have to supply the money, but it’s convenient either way.

To start using Check, you’ll have to input your different accounts that you want to manage, such as your credit card and debit account. After that, Check will monitor your funds and bills, and if you’d like, it will even automatically pay bills for you. You can set up Check so that on the 18th of each month, it will automatically pay your DirecTV, Verizon, and credit card bill. You’ll never have to worry about accidentally making a late payment again.

Now with most apps that would try to take on paying all tof these bills, the problem would be that it would only support a handful of different accounts. That’s not the case with Check, though, as it supports just about everything you can imagine. Cable and satellite companies, phone bills, credit cards, and even mortgages and utilities are covered. There’s an incredible list of things that Check can handle for you.

If you stress about financial security, you might worry that letting an app handle your bills seems dangerous, but Check uses bank-level, triple layer security to safeguard your personal information. It supports pin-locking the app, remote wiping, and Check’s services are monitored by third-parties such as McAfee and Verisign.

If you have a ton of bills to manage or you just forget to make payments on time, Check is worth a spin. It’s free, so definitely give this one a test drive.

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Play Store Download Link

Financial Calculators

financial calculators

No list of apps to manage a budget would be complete without some kind of calculator. In this case, we have the versatile Financial Calculators, an app that is stuffed to the gills with different kinds of calculators to figure out how much money you’re going to be spending (or losing.)

Obviously, this is all stuff you can figure out on your own with a basic calculator, but Financial Calculators takes the stress out of that and does it for you. It can handle basic stuff like how much you should tip, credit card repayments, interest rates, and minimum payments. Financial Calculators will tell you how long it’s going to take you to pay off that particular account. If you need to handle something a little more complex, it can also figure out car loan payments, which calculates a payment based on the car’s worth, your trade-in car value, interest charges, down payments, and anything else you might need.

If that’s not enough, it also does regular loans and refinancing calculations, retirement and 401k funds, APR calculations, ROI calculations, stocks, and, believe it or not, it even includes a basic calculator, too. For a free app, it can impressively take on nearly any kind of financial equation you can throw at it.

You won’t be able to manage your entire budget with just Financial Calculators, but it compliments the other apps on this list very nicely. Even if you don’t need anything else to manage your budget, this is a great app to have to double-check your math, just in case.

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These are five of the top apps on Google Play to help you keep an eye on your spending and budget. Are there any other apps you use to keep an eye on your money that we missed? Sound off in the comments and let us know.

Come comment on this article: The 5 Best Android apps for managing your budget [January 2014]

Save Easy – try this intuitive expense tracking app & save some dough

Posted by wicked November - 4 - 2013 - Monday Comments Off
Save Easy - Set category

Save Easy is an intuitive and user friendly self-finance application for mobile devices. If you sometimes struggle to manage your incoming and outgoing expenses, Save Easy lets you carefully track your expenses and income on a day by day basis. You can analyse your spending and monitor your finances throughout the month. The app comes… View Article

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