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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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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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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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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.

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Samsung will launch a new, entry–level handset running its own Tizen smartphone operating system in the New Year.

According to reports in Korea, the company will reveal the Samsung Z1 on January 18th, offering it for sale for around £58. The phone will be marketed in emerging markets, where Samsung is fighting to gain lost ground against Chinese mobile makers such as Xiaomi.

The release date was revealed by an anonymous Samsung staffer, speaking with the Korea Economic Daily. His revelations come as a leak showed off the Samsung Z1 for the first time at an Indian retailer event.

The handset is said to tote a 4–inch, 800 x 480 screen, dual–core processor, 4GB storage and dual SIM smarts. That’s all backed up Samsung’s latest version of Tizen.

The launch is something of a surprise, as the Korean giant canned the release of its Samsung Z Tizen phone back in the summer. At the time it was thought that it had realised that its proprietary OS could not compete with the likes of Google Android and Apple iOS. The Samsung Z1 could make an appearance at next month’s CES, which takes place in Las Vegas.

Malleswari Aunty Ni Kuthaa Pagala Denganu

However, in place of the four-inch screen that features on Apple's current-gen kit, there's a 4.5-inch Retina display that means the handset veers into phablet territory.

To make space for the larger display, which has been rumoured for some time among tech-watchers, there's also a thinner bezel around the screen.

Under the bonnet, the slimmer phone (dimensions are 130mm x 60mm x 7mm) is home to a 12-megapixel iSight camera, with a more powerful A7 processor to keep things ticking over.

As purported component leaks in recent weeks appear to indicate, Tedoradze imagines the iPhone 6 coming in a host of colour options, including white, black, grey, black, blue, purple, red, yellow, green and brown.

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According to sources cited by Korean sites, the Galaxy S5 could be the first-ever handset in the line to feature an LCD panel. Samsung’s shift is purportedly to make cost savings.

The move, news of which was brought to us in the West by the Galaxy-fixated folk over at Sam Mobile and G for Games, could free up funding for extra features, with LCD screens cutting Samsung's outlay by as much as 20%.

The cheaper screen tech could clear the way for the metal shell that many industry-watchers have been lobbying Samsung to include in a Galaxy S smartphone for some time.

Although by no means badly received overall, the Galaxy S4's plastic build came in for heavy criticism and was widely unfavourably compared with the HTC One’s handsome aluminium unibody construction.

An LCD screen could also help deflect carping in recent years that AMOLED screens don’t offer the same, true-to-life colour reproduction as rival technologies.

Other mooted features for the Galaxy S5 included a Touch ID-style biometric technology, albeit using a retina-scanner, and a 20-megapixel camera.

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Moto 360, Motorola’s first smartwatch, and the world’s first round-dial Android smartwatch, has just got a lovely upgrade.

No, the company has not started anything on their own, but a cool Kickstarted project has implemented some really awesome accessories for the Moto 360.

The project is on a final stage and will possibly take off next month. The project ‘SteelConnect M’ is basically a concept come alive. It helps you convert your Moto 360 smartwatch into something trendy and cool. Especially females would love the idea, but men also have something exciting from it.

We don’t want to spoil it for you, so here is the video, which shows off the entire project and what you can do with the Moto 360.

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Barack Obama will steel Americans for a prolonged battle against the Islamic State Wednesday, despite devoting much of his presidency to avoiding sapping new entanglements in the Middle East.

His hand forced by the radical group's sudden rise in Syria and Iraq, Obama will use a prime time address to argue that targeted military might and an international coalition can defeat IS, before it poses a threat to the US homeland.

But mindful of avoiding what he believes are the mistakes of the last decade, Obama will assure millions of television viewers that he will not send conventional ground troops back to Iraq to fight a group that has beheaded two US journalists.

It remained unclear whether Obama would also use the address on the ceremonial state floor of the White House -- where he announced the success of a US operation to kill Osama bin Laden -- to signal an expansion of US airstrikes against IS from Iraq into Syria.

But the New York Times and the Washington Post said late Tuesday that Obama is in fact prepared to authorize air strikes in Syria. The Times quoted a senior administration official, while the Post cited foreign policy experts who have spoken to Obama in recent days.

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The benchmark BSE Sensex extended losses by declining over 130 points in opening trad, as funds and investors indulged in booking profits in recent gainers amid a weak trend overseas.

The 30-share barometer, which had lost 54.53 points in the previous session, fell by 130.78 points, or 0.48 per cent, to 27,134.54.  All the sectoral indices, except healthcare, were trading  in negative zone with losses up to 0.97 per cent. Also, the broad-based National Stock Exchange index Nifty shed 36.15 points, or 0.44 per cent, to 8,116.80. Equity brokers said increased profit-booking by retail investors at higher levels amid weak trend on other Asian bourses following overnight losses on the US market dampened  trading sentiment.

Meanwhile, the rupee also weakened by 23 paise to 60.83 against the US currency in early trade today at the Interbank  Foreign Exchange market due to dollar's gains against other currencies overseas.

Among other Asian markets, Hong Kong's Hang Seng fell by 1.06 per cent, while Japan's Nikkei moved down by 0.38 per cent in early trade. However, the US Dow Jones Industrial Average ended 0.57 per cent lower in yesterday's trade. 

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