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Today’s question from a listener – When will the iPhone be available on T-Mobile?:

Bottom Line:  So in early December we learned that T-Mobile and Apple signed a deal that would enable T-Mobile to gain access to the iPhone in 2013.  Today’s question comes from a listener who is ready to upgrade her phone on the T-Mobile network and wants an iPhone.  Its 2013 so when will she be able to obtain an iPhone?

The actual answer is that we don’t know.  There still has been no clear guidance by T-Mobile as to when that will occur (or even if they’ll provide service to iPads).  Here’s the most likely scenario.  They’ll likely wait until the launch of this years’ iPhone release which could be as soon as late May.

I’ll keep you posted as more information becomes available but for planning purposes, plan on May at the soonest and be pleasantly surprised if it works out to be sooner.

If you’d like to ask a question or raise a topic you’d like me to discuss on-air and online email me:  brianmudd@clearchannel.com

 

Update – Are individual investors more successful than the pros?:

Bottom Line:  Yesterday I had a preview of the Ameritrade index that would compare the actual individual investor performance or its clients to the average performance of the pros.  It’s a first of its kind index and it had the pros a little nervous – incase it were to show that individuals may perform better than them.

Well the pros were able to breathe a sigh of relief as the index showed that while individuals did post gains last year, the performance of the pros did exceed individuals by producing a gain that was about 10% greater for the year.  So the pros did earn their keep.  The index will be dynamically updated and always available for comparison purposes. 

The most commonly owned stocks by individuals included:  Apple, Facebook, Intel, Google and banks like:  Citi, Bank of America and Chase. 

Below is a link to the actual index:

https://imx.tdameritrade.com/IMX/index.jsp

 

Why you should shop with your smart phone in hand:

Bottom Line:  It was only a matter of time before traditional retailers were price matching online prices year round.  It’s now here with Target. 

After Amazon’s campaign to drive you away from traditional retailers like Target and Wal-Mart during the 2011 holiday shopping season, both retailers (and many others) engaged in online price matching during the 2012 holiday shopping season.  Target just announced it’s their new permanent policy.  Expect other retailers to do so as well. 

Going forward you may be able to save significant money shopping in Target (and any others that participate) by using your phone to scan items into apps that can help you search for better prices online. 

http://www.cnbc.com/id/100363054

 

HD phone calls are here:

Bottom Line:  T-Mobile has operated as the lower cost nationwide service provider.  They haven’t been the innovators with cellular technology until now.

T-Mobile is the first service provider that will rollout nationwide HD voice service around the US.  The bonus is that you won’t have to pay more for the service (you’ll just need a phone that can take advantage of the HD quality – right now there are three phones that are capable –  Nokia, HTC and Samsung each have a phone that’s capable & the iPhone will be as well once T-Mobile launches the iPhone). 

http://www.pcmag.com/article2/0,2817,2414055,00.asp

 

Soon you’ll have your own personal assistant:

Bottom Line:  I picked a couple of themes from the Consumer Electronics Show yesterday to share with you today that I think will be among the quickest to catch on. 

Imagine an app that integrates your schedule with all other data available on your phone to guide you through the day.  Let me clarify with this hypothetical situation.

You use outlook to keep track of meetings throughout the day.  You have an out of office meeting.  It’s raining.  There also are traffic issues on the usual route to the location you’re traveling to.  

This new technology would be able to integrate all of that information on it’s own to tell you when you need to leave and what route you should take given the weather and current traffic conditions.  

It’ll be an app that pulls together info from the other active apps on your device or computer to guide you through the day.  This will likely be ready to go this year.

http://www.denverpost.com/breakingnews/ci_22335380/ces-age-interference-awaits

 

Best times to fly in 2013:

Bottom Line:  A travel expert from USA has studied traditional trends along with current advanced bookings to compile guidelines to save on air fare throughout 2013.  Among them:

  • Flying during the rest of January (demand is weak right now)
  • Flying after Super Bowl weekend through Feb. 15th
  • If you’re flying to Europe – book from the last week of April through mid-May
  • If you’re flying for the holidays – actually fly on the holiday itself

http://www.usatoday.com/story/travel/columnist/seaney/2013/01/08/airfare-expert-cheapest-times-to-fly-in-2013/1817505/