Money and Technology

Saving, investing and making money with technology

Seven big U.S. companies paid CEOs more than Uncle Sam in 2013: study

2014-11-18T053220Z_1_LYNXNPEAAH067_RTROPTP_3_USA_originalSeven of the 30 largest U.S. corporations paid more money to their chief executive officers last year than they paid in U.S. federal income taxes, according to a study released on Tuesday that was disputed by at least one of the companies.

Amid talk in Washington about corporate tax reform, the study said the seven companies, which in 2013 reported more than $74 billion in combined U.S. pre-tax profits, came out ahead on their taxes, gaining $1.9 billion more than they owed.

At the same time, the CEOs at each of the seven companies last year was paid an average of $17.3 million, said the study, compiled by two Washington think tanks.

The seven companies cited were Boeing Co (BA.N), Ford Motor Co (F.N), Chevron Corp (CVX.N), Citigroup Inc (C.N), Verizon Communications Inc (VZ.N), JPMorgan Chase & Co (JPM.N) and General Motors Co (GM.N).

The Institute for Policy Studies and the Center for Effective Government, the study’s co-authors, said its findings reflected “deep flaws in our corporate tax system.”

In reply, Verizon said it paid $422 million in income taxes in 2013. “We do not provide a breakdown between federal vs. state in that total; however, I am confirming for you that the federal portion of that number is well more than Verizon’s CEO’s compensation,” a spokesman said in an email.


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Boeing said its 2013 global tax bill was $1.6 billion, though all but $5 million was deferred due to development and production investments. A spokesman said current tax expense and cash taxes were likely to rise as 787 jet deliveries ramp up.

Like the other companies, Citigroup said it abides by all tax laws. “In 2013, Citi paid more than $3 billion in payroll taxes and more than $95 million in use tax, personal property and real property taxes in the U.S.,” a spokesman said.

Both automakers Ford and General Motors said their current U.S. tax bills are reduced by tax loss carry forwards stemming from severe losses suffered a few years ago.

Energy group Chevron said its 2013 current U.S. federal income tax expense of $15 million “was much lower than normal” due to several factors. Echoing other companies, Chevron stressed it pays taxes worldwide.

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US stocks seen lower after Japan enters recession

Has Abenomics failed?

U.S. stocks looked set to decline at the open on Monday, with global shares hit by the news that Japan had unexpectedly slipped into recession.

Read More Track US stock index futures

Data out on Monday showed Japan’s economy shrank in the third quarter by an annualized 1.6 percent, rather than the forecast 2.1 percent gain.

Japan’s benchmark Nikkei 225 index posted its biggest one-day drop since August on the news and settled near a one-week low. The dollar-yen pair hit a seven-year high of 117.04 before retreating to 115.7 later on Monday.

“Japan’s renewed weakness comes at a time when the global economy is already facing several other headwinds, such as the threat of deflation (especially in the euro zone), together with the pressures being seen in several emerging markets, such as Russia, Brazil and also China,” said Simon Smith, chief economist at FxPro, in a note out Monday.

The day will be a fairly quiet one for U.S. data, with November’s Empire Manufacturing out at 8:30 a.m. ET. This will be followed by industrial production and capacity utilization figures for October at 9:15 a.m.

In the corporate space, it was announced on Monday that Pfizer (PFE) has struck an alliance with Germany’s Merck (MRK) to build cancer immunotherapy drugs . Pfizer will pay Merck $850 million upfront, with further payments of up to $2 billion.

Before trading starts, Actavis (ACT) will likely announce a cash-and-stock deal to buy Allergan (AGN) for more than $210 per share, people familiar with the situation told CNBC on Sunday.

Read More Actavis nears rescue bid for Allergan: Sources

The rest of the major retailers will report third-quarter earnings this week, with 23 S&P 500 (^GSPC) companies to post numbers. On Monday, (JD) will post numbers before Wall Street opens, followed by Urban Outfitters (URBN) afterwards.

U.S. stocks finished flat on Friday , with the S&P 500 rising a fraction of a point to notch up another record high.

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Zazzle for the Holidays

iPhone_6_Cases_WideGetting the perfect gift for a friend or family member is a consistent source of stress for people every single time with the holidays are around the corner. The stress tends to reappear right on schedule, no matter how much people try to prepare for it. While many people will be able to buy something for their friends and family, they will often stress about the specific types of gifts they should buy. The iPhone cases are great gifts to friends for the up coming Christmas holidays and the prices are great, also. They are a beautifully designed and with great prices. There is no shortage of consumer goods in today’s society, especially given the widespread availability of online shopping. However, because these kinds of goods are so numerous, people tend to have higher expectations about what they receive. There’s a lot more pressure to get something thoughtful for a friend or family member. People that are shopping for holiday gifts on Zazzle will be able to find truly thoughtful, personal gifts. Zazzle actually gives people the opportunity to customize many of their holiday gifts online before they actually order them. Customized gifts have always been around, but being able to complete the process in the comfort of one’s home is life-changing for people that have too many things to do when the holidays are approaching. A customized gift is a personalized gift by definition, since the recipients won’t be able to find something exactly like it almost anywhere else. It was truly made for them and their preferences.mickey_mouse_vintage_washout_design_tshirts-r42d11d7745e54909911107cd5db52404_804gs_324 For instance, if someone on Zazzle sees a t-shirt that they would like to give to someone, in addition to picking things like the size and color, they can change the style, add images, and add additional pieces of text. Some users may even go further than that, practically creating their own shirts in the process. Even something like the cover of a photo notebook can be customized according to the customer’s preferences or the preferences of the intended recipient. Zazzle provides useful templates for people that are interested in creating something truly unique. Zazzle helpfully organizes the gift ideas it offers into several different categories. The throwblankets are great gifts to give to the family.Customers can specifically search for gifts for teenagers, grandparents, men, women, children, and even pets. There are entire gift collections where they can search for gifts according to different search criteria. custom_photo_template_personalized_blanket_zazzlethrowblanket-ra7fa78070c4e484f8a121f8f3778cd87_zikrk_324They can also search for gift ideas based on the price ranges that they have in mind. Zazzle offers gifts that cost less than one hundred dollars, less than fifty dollars, and less than twenty dollars.People that want thoughtful gifts often don’t care about the costs: they care about the effort that was put into finding and creating those gifts. Gifts that reflect how well a given person knows another person tend to be treasured. Many people choose to make gifts for one another in order to provide thoughtful gifts, but not everyone has the skills necessary to do so, and even the people that do may not have the time. Zazzle gives people the opportunity to offer each other gifts that they helped create in a way that does not require a lot of time or a lot of highly specialized technical skill.


Also check out there big sale ( TIS THE SEASON  ) it’s going on right now and it will end this Friday.

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Garcinia Cambogia Extract Review


This is a big bottle that contains 180 capsules that you take 30 minutes before your breakfast. You need to take at least 2 capsules a day. I noticed that within the hour after taking it that i felt more alive and happier. It certainly gave me a the boost that i really needed and i had so much more energy.

It contains no fillers or binders, no additives, no wheat, fish or eggs and no soy. You can take up to 4 tablets a day if required and i feel a lot slimmer and look a lot better. The capsules are easy to swallow and really do help to suppress your hunger. I actually forgot to eat a couple of times in the day as it has a natural appetite suppressant. My mood seemed to increase and everyone noticed that i was happier.

I felt fuller on smaller portions and it stopped me from having my usual cravings for sweets and cakes. I felt so well on this that i was actually pleased to be on a diet for a change! Dieting in the past was just so hard, and Garcinia Cambogia actually made it easier. I would thoroughly recommend it for anyone that is trying to lose weight and who also wants to have a mood enhancer.

It is a good natural alternative and i really loved it. It really works and i will continue to use it as and when i need it. I don’t seem to want any snacks or desserts now and can eat about half of what i normally do. I would definately recommend Garcinia Cambogia if you want to lose weight and need more energy. I didn’t notice any side effects except that i went to the bathroom a bit more but that could have been done to drinking more water.

I lost around 6 pounds in two weeks on these capsules and i think that this is a great way to lose weight with minimum effort. The key components in Garcinia Cambogia Extract capsules is HCA which reduces glucose absorption which then leads to fat reduction. It also improves blood lipid levels and improves your mood. It has been clinically proven to block the stress hormone cortisol and i found it a good and safe buy

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Magicflix Safe Videos for Kids

0If you are a mom hoping to teach your child in the best environment, then this app is for you. The Magicflix app seeks to provide youngsters of age appropriate content so you as a parent do not have to worry about the wrong content finding its way to your children. The age group for this app is children who are below the age of 12. With this app, you can stop worrying about your children and watch them grow and develop in the right path.

This app understands that children need their fun moments and this is part of the fun. Children learn best through visual learning. This is because they get to see and imitate for a better understanding. These videos are designed to be fun and educative at the same time. All the content is for but for some time. This app comes with thousands of videos and different channels. The videos are of different categories. These include:
– Science and math.
– Journey to the zoo.
– Ted talk and kidsenz news.
– Music
– History
– Language such as Spanish.

The videos come with animated and cartoon characters that are bound to grab your child’s attention. They are fun, engaging and educative all in one. To obtain the Magicflix app, you require a device that has iOS 7.0 or the later versions after that. It is also compatible with your iPad. And also check out their android app

Some of the most captivating features are the incorporation of animations and cartoons. This will attract a child of the age bracket all the time. Due to the variance in content, there is always something new your child can watch. The use of videos and not literature is also enticing and a definite for kids.

For all the moms out there seeking to educate their children through some fun activities, this is the app to download. If you are looking to get some work done without constantly checking up on the content your children are being exposed to, simply download the Magicflix app and your worries are over. You can also be sure of getting some work done at home because the videos are engaging so your child is busy too with the right content. Visit to view what Magicflix has to offer.

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HUB IT USB3 Charger Review and Giveaway

HUB IT is a modular USB3 hub and charger which takes a fresh approach and is full of potential. Unlike traditional chargers which will simply provide the USB ports with a bring-your-own-cables policy, HUB IT have created a line of enclosed modules that cater for all smartphones, as well as some more obscure devices like Nintendo DSi.

The HUB IT from Eggtronic is on sale for $56 at the time of writing and faces stiff competition from a number of fronts, none of which match the specifications exactly. The Bolse 7-port charger ($36) for instance offers a superior charge-only product that works with existing cables and has a higher capacity with it’s 12A power supply (compared to 4A in the HUB IT); whilst another $25 or so would get you a generic USB3 hub. Again though, nothing matches the product precisely in terms of modularity or future potential.

hub it box   HUB IT USB3 Charger Review and Giveaway


The HUB IT is fairly substantial in size – taking up a full 17cm squared of desk space, 4cm high – but very light, with an ABS glossy black plastic case. The choice of case resulted in it being covered in my dirty fingerprints within seconds of taking it out of the box, and quickly attracted dust.

hub it overview   HUB IT USB3 Charger Review and Giveaway

The design is like the base of a pyramid, with vast entrances on either side from which the module cables and ports emerge. A small orange light in each alcove indicate when power is being drawn.


  • 3 x USB3 ports
  • 4 x modular USB3 data and charging ports
  • 5 x modular power spaces
  • 4A power supply

This can be a little confusing. The 3 standard USB hub ports are built into the bottom section of the base unit and cannot be changed. Above this is a grid array of 9 modular ports. 4 of these ports act as a USB3 connection and charger, for whatever modular connector is plugged is (such as micro-USB, or Apple Thunderbolt); providing both data and power.

hub it top down   HUB IT USB3 Charger Review and Giveaway

The other 5 modular ports are essentially hidden under the case, and are as of writing, unused by any current modules, but can potentially be used by things like a wireless Qi charging module once released. For the time being, only the 4 externally facing module sockets are designed to be used.

The module on the rear side is situated above the power and USB in ports, and as such doesn’t have another USB3 port there available for us.

What’s in the box?

  • HUB IT main unit
  • 5v 4amp wall plug
  • USB3 cable
  • Micro USB module
  • Mini USB module
  • Apple 30-pin module
  • Apple Thunderbolt module

hub it included connectors   HUB IT USB3 Charger Review and Giveaway

For my needs with a number of older and newer devices, this is actually a perfect mix. For you, that might not be so true, so the cost may increase if you need replace specific modules. That is of course the whole point of having a modular approach – but there’s a cost involved.

The maximum power of the wall unit should also be noted as a limitation to the current offering: despite 4 charging ports, only two will be functional at any time for full speed charging. This could theoretically increase with a bigger charger, which the manufacturers have said is in the works.



The modular units themselves – essentially 18cm retractable cables in a solid plastic housing – feel pretty solid with a reliable retraction mechanism that never faltered or got stuck during my testing. However, this doesn’t reflect long-term usage testing and small children pulling on cables.

hub it cable length   HUB IT USB3 Charger Review and Giveaway

On the underside of each modular unit are 10 jumper pins sticking out, which could prove to be a point of weakness if you keep some modules in a drawer.

hub it module underside   HUB IT USB3 Charger Review and Giveaway

Additional cable modules are available from Amazon for $8 each, though I suspect future module upgrades with advanced features may cost more. The full list of modules can be found on their accessories page.

Changing modules is a simple case of clipping off the loosely attached lid and exchanging them.

hub it case off   HUB IT USB3 Charger Review and Giveaway

Is the modular approach a good one? One the one hand, hot swappable modules with short, retractable cables is a lot more convenient for your desktop than having an additional USB charger (and hub) and trying to find the right cable. If you do happen to buy a new device with some magical new port that isn’t covered, then you still have the standard USB ports.

hub it 2 modules removed   HUB IT USB3 Charger Review and Giveaway

It should be noted that HUB IT isn’t fully realised yet. The manual refers to wireless charging module, Bluetooth modules, an SD card reader, and even a portable battery pack so you can carry the HUB around and charge without it being plugged in – but these are currently unavailable.

hub it inside closeup   HUB IT USB3 Charger Review and Giveaway

Should You Buy One?

The HUB IT is innovative – it’s fresh approach to an age old problem. It’s also full of potential, such as changeable cases and exciting new module ideas. Provided the hardware lives up to long term wear and tear, I can see enormous value in this approach: when a new connector is available, simply swap it out to make a perfect arrangement for your needs. While not all the promised modules sound particularly useful – a battery pack, for instance, would imply someone would want to carry this rather large unit around – and I just can’t see that happening. It’s difficult to judge the long term value of the product without consideration to the potential.

hub it charging light   HUB IT USB3 Charger Review and Giveaway

It’s not all rosy. The build quality of the case feels a little cheap, being only loosely attached (are frequent module changes to be expected?), and the standard black plastic case seems designed to make me want to replace it immediately – but functionally everything is there. It’s a hub, it’s a charging station, and it adapts to suit your exact charging needs.

Ultimately, it’s a little too early to be judging the HUB IT. Once a few more modules are released, the value proposition should increase. However, I hope they allow for some customisation at the point of order – difficult if they’re distributing solely through Amazon, but at least a few variations would be desirable – instead of buying the base set then immediately having to purchase additional modules. An Apple-oriented variation, or an Android and wireless Qi set, for instance.

MakeUseOf Recommends: It’s a solid combined charger and USB3 hub with potential to be great – but if you only need a charger, or only need a hub, you could do better looking elsewhere.

How Do I Win The HUB IT?

For mobile users, click here to enter.

The winner will be selected at random and informed via email. View the list of winners here.

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About Life Alert

About Us

47,649 Persons were saved by Life Alert from a catastrophe in 2013*

Life Alert is a Personal Emergency Response and Home Medical Alert System company that saves lives from catastrophic outcomes, using a unique technology to provide superior home audio monitoring protection. Founded in 1987, Life Alert provides its service to members nationwide. The company employs over 600 people, all in the United States.

The company’s service solves a major home security issue. Life Alert’s protection helps people to live at home with independence and comfort, living their lives the way they want to, with a feeling of safety and peace of mind.

life alert

Life Alert handles over two million calls a year, and on average saves at least one life from a catastrophic outcome every 11 minutes (over 47,000 in 2012). In Life Alert’s Monitoring Center, the size of its emergency staff per member is 200% greater than a traditional security company.

Thanks to a greater sense of security, a 2004 ACNielsen study showed that 87% of Life Alert members stated that Life Alert’s protection is a main or important factor in their decision to keep on living alone at home. For safety, security and emergency protection, Life Alert is the choice for all ages.

For Info and a FREE Brochure Call:
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Ipadtabletbuddy Is Indeed A Tablet’s Very Best Buddy!

crop_742103f95c3740d54fd150137587272328e030ef32554421220bb3d700672e290c3cb6b0250250What’s great about this tablet holder is very evident. Not only is it versatile as a tablet holder indeed. It is also the right fit tablet holder for different brands of tablets. Some of these different brand tablets do include Samsung, Nexus, and Apple iPad Tablets for Car. The Ipadtabletbuddy is the very best of tablet holders on the market for a number of reasons. It is these number of reasons that do make it outstanding indeed as a top holder to purchase for one’s tablet. If you want a tablet holder that is sturdy, strong, and very durable. Then this is the one and only tablet holder that you will want to buy or ever have to buy. This is because it comes with all of the right features and these right features are what make it awesome overall.

The Ipadtabletbuddy isn’t only made from 100% high quality materials. It is also permits one to do horizontal and vertical viewing in any manner or way that they like. Installation of this holder is something that is very easy and doesn’t require the use of any tools at all to get it done right. If anything, the installation is not only super easy, but also super fast one it is started.

Another very major and important feature about the Ipadtabletbuddy is this. It excels when it comes to providing top of the line tablet safety for your specific tablet. What this translates to is this. Your tablet will always be very safe and secure while it is being cradled and protected by this fantastic holder. This holder will not only protect your invest. It will also ensure that it remains safe and secure for as long as the tablet is sitting inside of the holder at any time.

What also makes this tablet holder very excellent is apparent. It doesn’t only come with top of the line features from the get go. It is also the only tablet holder that comes with a lifetime no-hassle free replacement guarantee. What this means is this. If you ever have a problem with this holder at any time. It will automatically be replaced with a new one for your use. Now what other tablet holder manufacturer is going to give you a guarantee such as this one and for an entire lifetime? There will probably be no other to ever do this. However, the creators of Ipadtabletbuddy do offer this, and this is totally wonderful in every way. This means that they back up their product 100% and state that it will last you a very long time. This is truly an amazing guarantee and one that is sure to make anyone feel very good about this tablet holder in general. They are backing up this one of a kind tablet holder because it is indeed unique and one of a kind to be so solid and strong in its very own way.

The Ipadtabletbuddy is so many wonderful things rolled up into one fabulous tablet holder. It is simple, very functional, and easy to use. It is also the one answer for all those kids, as well as, moms and dads who get frustrated with tablet holders in general. No more frustrations with the Ipadtabletbuddy around. This is because it is truly a tablet’s best buddy when it comes to holding, and for people, it is peace of mind in knowing that the tablet will be safe and secure sitting inside one very special place.

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The Smoothest Shave Possible

41+UAy+9dRL__SY355_With most razors today it is pretty hard to get a truly smooth shave. It is most likely because the design of most razors today favor multiple blades as opposed to using one blade, even though professional barbers have used 1 blade for over 100 years and continue to still use 1 blade today. The Micro Touch One Razor is a single blade razor that offers the user an experience that is both smooth and timeless. Made of solid brass and chrome plated, you can tell the Micro Touch One Razor is built to last and will not fall apart easily like most other razors today.

When you are shaving usually your hands are fairly wet and it can be quite easy to have the razor slip in your hands making your shave quite unpleasant. The Micro Touch One Razor’s outfitted with seamless grips built right into the design of the body of the brass razor making any kind of slippage or fumbling near impossible when shaving with the Micro Touch One Razor.

Another incredible strong suit of the Micro Touch One Razor is that it is not only durable and superior in shave quality but also incredibly affordable. Coming in at 19.99 for the razor and 12 blades, the Micro Touch One Razor is an incredible value. Most razors you will find in the store will be right around this price and will generally only come with 2 or maybe 3 blades.

Finally, the nice thing about the Micro Touch One Razor is its simple, sleek, easy-to-use design. Having only one fine blade in your razor makes replacement incredibly easy and quick. The Micro Touch One Razor is simply continuing on the century long tradition of single blade razors, and they do it well. The Micro Touch One Razor is such a classic, traditional and close shave that it is really hard to ignore this incredibly well built razor.

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11 Worst Things to Buy at Walmart


 Walmart is known for saving shoppers money — often lots of money. It’s tough to beat the prices the world’s largest retailer charges on most things it sells, and it sells almost everything: food, clothing, electronics, housewares, furniture, auto supplies, prescription drugs, and so on. You name it, and Walmart probably stocks it.

However, we did find a few products that can be purchased elsewhere for less. We compared regular (non-sale) prices at two Walmart stores with several of its competitors’ regular prices. After also taking into account price-comparison research conducted by Web sites that specialize in finding deals, we identified 11 types of items that are generally cheaper at retailers other than Walmart.

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