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The HTC M9, the Taiwanese mobile-maker’s rumoured new flagship phone, could come in two variants, according to the estimable liege of leaks @evleaks.

The pair of handsets purportedly feature similar thin–bezel designs and a large front–facing camera.

However, the larger screen model appears to have a physical home button that resembles some of Samsung’s top–end devices.

Rumours about the M9 have been flying for weeks. HTC is said to be bringing its Ultra Pixel camera to the front of its new phone, ditching it round the back for a more traditional sensor.

The design is also said to follow the cues of last year’s One (M8) and 2013’s One.

HTC is holding a special event on March 1st, just ahead of Mobile World Congress, when it is likely to show off its new phones.

The company will be hoping to build on a successful 2014, when it managed to begin to turn things around after a dire few years of slow sales.

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Sky has officially confirmed it will launch its own mobile network in 2016, making it the latest TV provider to offer so–called quad–play services.

The TV giant has struck a deal with O2's owner Telefonica for access to its network in a MVNO (mobile virtual network operator) partnership.

There’s no word on how Three's parent company Hutchison Whampoa, which is in talks to buy O2, feels about the deal.

But it’s unlikely to complain about having access to million of TV subscribers looking for cheaper, all–in–one packages.

Last year, Sky announced it was trialling a MVNO service with Vodafone.

However, the latter has lost out and is now set to be left as Britain’s smallest mobile provider. TalkTalk also ditched Vodafone for O2 for its MVNO service in 2014.

Sky and Telefonica’s deal now means you’ll be able to buy TV, broadband, landline and mobile access in one go from four different providers.

TalkTalk, Virgin and BT, which is in the process of buying EE, are all other already offering packages or working on new deals.

That means prices for entertainment and communications should come down as long as you buy everything together.

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Smart shipments totalled more than 1.28 billion in 2014, making it the most successful year ever for connected devices.

Data from research firm Strategy Analytics reveals that Google’s Android dominated proceedings, accounting for a massive 81% of all handsets. That’s a billion phones using the platform.

Apple, meanwhile, took 15% of the total, with 193 million phones sold during the year.

In a separate piece of research, Strategy Analytics said that Apple’s 74.5 million iPhone sales between October and December matched that of all Samsung smartphones put together in the same period.

Strategy Analytics did not split its Android figure up by manufacturer, although IDC has also released figures which show Samsung squeaking into the number one spot with a 20.01% market share.

Apple is a close second with 19.85%, while Lenovo, Huawei and Xiaomi complete the top five.

That’s not to say this is good news for Samsung. Of the top five, it was the only company to show a sales decline in the last quarter of 2014.

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Apple with processors that will make the next generation of iPhones tick, bolstering a rival in the process.

Apple is understandably giddy about its success.

The iPhone 6 and iPhone 6 Plus show that consumers were desperate for larger Apple handsets, to the point where they seem to be choosing them over ailing iPads.

The struggles of Apple’s tablet are well documented, but with consumers opting for iPhones instead, Apple won’t be too disheartened. Its margins on phones are bigger than on tablets after all.

The challenge for Apple now is to match those results or at least stay the course.

That could prove impossible seeing as the 2015 iPhone update is expected to be iterative, although the Apple Watch is likely to give it extra cachet over the coming months.

But having seen Samsung come up on the rails before, Apple will be acutely aware of the need to keep innovating.

This is a company that was dismissed in some quarters after Steve Jobs’ death. Now it’s bigger than ever before.

For Samsung, there’s everything to play for.

But if it has another awful year, expect pens to be sharpened and more comparisons to be made with the struggles of the likes of HTC in recent years.

The days of it trying to be all things to all people are surely numbered.

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It’s been a week of contrasts for two of tech’s biggest players.

Last Wednesday Apple not only posted record sales of iPhones, smashing the 74 million mark in the three months from October to December.

It also managed to make a net profit of £12 billion, the biggest quarterly profit in global corporate history.

Meanwhile, its big name rival Samsung revealed that earnings from its smartphones and mobile division were down by 62% year on year.

While the Korean company did not say how many phones and tablets it had sold, it did confirm that its numbers were down compared to 2013.

This is all such a far cry from two years ago, when Samsung was in the ascendency and Apple’s ability to innovate was being called into question.

The Korean giant was sticking it to Apple on the shop floor and in the courtroom, turning itself into the world’s biggest mobile-maker and churning out new devices at an unerring rate.

But complacency, not to mention defeat in US courts and punishing fines over patent infringements, has left Samsung reeling.

In emerging markets, local suppliers are killing Samsung with their cheaper devices and similar services.

At the top end, Apple’s superior design quality and its decision to finally boost the size of its iPhones, coupled with Samsung’s distinctly average releases in the last 12 months, have put the squeeze on too.

Samsung is now in real danger of losing its place as the world’s premier phone manufacturer.

Its experiment with its own Tizen operating system seems doomed, meaning its reliance on Google’s Android is unlikely to end any time soon.

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According to the report, there are high variations in insurance rates charged by insurers on vehicle owners; rates are based on factors completely unrelated to driving such as area of residing, education level, occupation and credit score. Such factor-based calculations make it virtually impossible for less-income residents of many states unable to afford insurance coverage. At last estimates, the number of uninsured drivers and vehicles average more than 200,000 in a state like Maryland, for instance.

The report also mentions that insurers establish coverage rates in accordance with state laws and risk factors which vary. For e.g. a city resident will pay more insurance because it is likely that his car is at more risk of being involved in an accident, being vandalized or stolen; in each of these cases claims will be filed with the insurance company.

A CFA Director is on record to say that insurance providers are always on the lookout for 'actuarial links' between potential risk elements and certain types of policy holders. He says that these companies try to price the policies to reflect the potential risk; the auto industry has access to a lot of customer data just as other businesses do in respect of potential customers.

Critics and consumer agencies however counter that most of the policies framed by insurance providers place a great burden on low-income car owners and drivers while giving priority to those with higher incomes. High car insurance premium rates create a huge barrier in vehicle ownership, taking it out of reach for millions of low-income Americans. The issue becomes especially grave when city dwellers struggle to hold a job in the suburbs or vice-versa, as commuting by local transport becomes non-viable due to time and other constraining factors.

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It seems that moving home a few miles, sometimes even in the same city, can save an average American quite a packet on car insurance coverage.

Some more interesting factors are coming to light going by reports from the Consumer Federation of America (CFA).

According to the report, there are high variations in insurance rates charged by insurers on vehicle owners; rates are based on factors completely unrelated to driving such as area of residing, education level, occupation and credit score. Such factor-based calculations make it virtually impossible for less-income residents of many states unable to afford insurance coverage. At last estimates, the number of uninsured drivers and vehicles average more than 200,000 in a state like Maryland, for instance.

The report also mentions that insurers establish coverage rates in accordance with state laws and risk factors which vary. For e.g. a city resident will pay more insurance because it is likely that his car is at more risk of being involved in an accident, being vandalized or stolen; in each of these cases claims will be filed with the insurance company.

A CFA Director is on record to say that insurance providers are always on the lookout for 'actuarial links' between potential risk elements and certain types of policy holders. He says that these companies try to price the policies to reflect the potential risk; the auto industry has access to a lot of customer data just as other businesses do in respect of potential customers.

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Car Insurance or Automobile Insurance is a must for every vehicle owner but the scariest part of car insurance is that premiums rise year after year while the value of the car itself undergoes depreciation. Yet it is imperative for vehicles to have insurance to give the owner a cushion against losses due to accident, damages due to weather or unexpected elements.

For many citizens wondering why car insurance rates are peaking, the reason is as simple as the ZIP code. The five-digit location identifier seems to make a dramatic impact on car insurance premiums, varying from a few hundreds of dollars to even thousands. The average car owner is totally unaware of how much his residence location can make a difference. Insurance companies use the ZIP code to analyze data such as - how many claims originate from that area due to accidents, theft, vandalism etc.

It seems that moving home a few miles, sometimes even in the same city, can save an average American quite a packet on car insurance coverage.

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What are companies hiring an MBA graduate really looking for? They are certainly hoping that you are going to justify your salary - but what skills or traits do they want to see in their new MBA hire?

Some would argue that - in today's erratic business climate - companies are not always clear on what they expect from their MBA hires. The truth is: the requirements change as markets change. However, there are some skills and traits that an MBA graduate should certainly posses in order to contribute to his company in a situation that is everything but "business as usual".

The MBA graduate should be able to think critically - that is a given. While having strong analytical skills is of paramount importance, he or she is expected to be more than just a number cruncher. "People skills" are important more than ever; these would include relational skills, persuasion skills, delegation skills, and vision development.

He should also be able to deal with ambiguity and solve complex problems. Can you handle uncertainty and make business decisions based on limited or ambivalent information? Can you deal with pressure and unexpected obstacles? Today, it's all about flexibility and adaptability.

It's more than just having the right skills: the master of business administration degree, they say, represents a specific way of thinking. The holder of such a degree should be able to think strategically, while taking an analytical approach. Of course, core business skills are always going to be important.

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Apple CEO Tim Cook was said to be ‘deeply offended’ by claims about working practices in Apple’s supply chain made in a BBC documentary last week.

In a letter to Apple’s UK staff, Apple’s senior vice president of operations, Jeff Williams said, “Like many of you, Tim and I were deeply offended by the suggestion that Apple would break a promise to the workers in our supply chain or mislead our customers in any way.”

Apple last year promised to tighten up its supply chain after it was revealed staff were being forced by partner firms to work overtime, with many falling asleep on the job. Some staff at Foxconn, Apple’s main assembly partner, took their own lives.

The new BBC documentary alleged overtime was still being widely enforced, with workers exhausted and stressed. It also claimed that illegally mined tin from Indonesia was finding its way into Apple’s supply chain, something which Apple has admitted does happen.

Williams’ letter detailed what Apple has already done to attempt to fix these issues and said that the facts he laid out had not been used by the BBC in its documentary.

Of the illegal tin ending up in Apple’s devices, Williams said, “Apple has two choices: We could make sure all of our suppliers buy tin from smelters outside of Indonesia, which would probably be the easiest thing for us to do and would certainly shield us from criticism. But it would be the lazy and cowardly path, because it would do nothing to improve the situation for Indonesian workers.”

The documentary has once again opened the debate about where mobile phone companies source their materials and the wider cost of the world’s rabid appetite for new technology at any cost.