Browsing "Technology"

Top Free Finance Apps for Android

Dec 6, 2012   //   by Daniel Morris   //   Technology  //  1 Comment

In September, we brought you our top 3 finance apps for the iPhone and iPad. At the beginning of this week, we had a thought in the Which4U office; ‘What about Android users?’

Google’s Android operating system has proved rather popular over the last couple of years, over-taking Apple’s iOS system for global market share leader – currently at 44% and 31% respectively – with this popularity set to continue with the introduction of the Sony Experia E, an affordable smartphone running Android 4.1 (otherwise known as Jelly Bean) and a number of Android devices running on the 4G network.

So without further ado, here is our list of the top finance apps for Android:

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How Businesses Can Save Using the ‘Net

Nov 19, 2012   //   by Keith McDonald   //   Guest Post, Money Saving Tips, Technology  //  Comments Off on How Businesses Can Save Using the ‘Net

Given the current economic climate, it’s more important than ever for small businesses to find ways to save money and stay competitive. Keeping costs down, maximising opportunities and monitoring expenditure are all essential to survival.

One route to achieving these aims is in establishing cheaper lines of communication with clients, customers and suppliers. Our money-saving communication tips feature below.


Some people still shy away from building their own website in fear of the cost and the technical demands. However, a website is now a vital tool for a small business and it’s not too challenging to build a site that is easy to manage.

Websites are a business card and business pitch in one: they allow you to promote, market, and sell a company’s features and benefits to a worldwide audience and establish an easy line of communication with potential contacts.

Keeping the content fresh shows that a site is current, relevant, and part of a dynamic business. Adding content also boosts search-engine rankings, which, in turn, drives more traffic and more custom.

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4G: Out of Reach

Nov 7, 2012   //   by Keith McDonald   //   Technology  //  2 Comments

Last week, EE became the first UK provider to take over the vacant Analogue TV band to provide consumers with access to the new 4G network.

4G is said to revolutionise the quality of internet access on the move, and should enable people to surf and stream considerably faster than before, allowing seamless HD playback.

The network has gone live (or is soon to go live) in 11 cities and will expand by a further five before the end of 2012 to cover 20 million people in total, roughly a third of the UK population. By Christmas, coverage will include:

EE Network

4G network coverage by Christmas 2012

  • London
  • Edinburgh
  • Cardiff
  • Belfast
  • Birmingham
  • Bristol
  • Derby
  • Glasgow
  • Hull
  • Leeds
  • Liverpool
  • Manchester
  • Newcastle
  • Nottingham
  • Sheffield
  • Southampton

The new 4G network is available on a number of handsets, including the iPhone 5, Samsung Galaxy SIII LTE, Nokia Lumia 920, Nokia Lumia 820, HTC One XL and the Huawei Ascend P1 LTE.

The launch of 4G is also cited as a major boost to the economy. EE says that it expects to invest £1.4 million per day on improving the network over the next three years, which could help to create and sustain 125,000 jobs.

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BBC to Include Free Streaming Music for Licence Fee Payers?

Oct 5, 2012   //   by Keith McDonald   //   Technology  //  1 Comment

BBC iPlayer

The BBC is said to be working on a musical equivalent of the iPlayer that will give licence fee payers in the UK free access to thousands of songs from early next year – a move which could offer a hefty saving to those who currently pay to stream music through alternative providers.

Through the new player, provisionally named ‘Playlister’, users would be able to stream the BBC’s considerable archive of music recordings. Such accessibility has been discussed before, but rights issues have always proved a stumbling block. The Beeb is said to be in discussions with commercial operators such as Spotify to develop the service.

The broadcaster has distanced itself from the claims, but there can be little doubting the attraction of such a pursuit. After a stuttering start in 2007, the iPlayer has proved a highly successful venture. It now receives in the region of 200 million views per month.

And a potential expansion into music is an interesting proposition, not least for the existing cost structure, given the Beeb’s limited exposure to advertising. According to the broadcaster, only £0.66 per month per household (£199 million in total / 6% of the total budget) goes towards its online services. It looks unlikely that this will remain such a meagre proportion for much longer.

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Top 3 Finance Apps 2012

Sep 14, 2012   //   by Kyle Needham   //   Technology  //  7 Comments

Do you own an Apple device, maybe an iPhone or an iPad? Make sure you take full advantage of your device and its many great apps.
Barclays Pingit

#1 Barclays Pingit


  • Compatible with iPhone, iPod touch and iPad. Requires iOS 5 or later
  • Free
  • Version 1.11
  • Download here.

Top of the list is the Barclays Pingit. This app is a truly fantastic way of sending payments on your iPhone, iPad or iPod. You don’t need a Barclay’s account to send and receive money; you can simply register for a Pingit account and deposit money at a Barclays ATM, which will then let you send £750 and receive £5000 every day through your iPhone, iPad or iPod. You can also use it as an ATM finder. Perfect!

Barclays Pingit screenshotBarclays Pingit screenshotBarclays Pingit screenshot



Mortgage Mentor

#2 Mortgage Mentor


  • Compatible with iPhone, iPod touch and iPad. Requires iOS 4.0 or later.
  • £1.49
  • Version 2.5
  • Download here.

Number 2 on the list is one that will help you plan your mortgage payments or decide what mortgage to choose. You can also create ‘what-if’ scenarios to see how over-payments affect your balance, then watch the total length and cost go down. There is much more to this app as well, so it is definitely one to check out.

Mortgage Mentor ScreenshotMortgage Mentor Screenshot



mortgage mentor

#3 HMRC Tax Calculator


  • Compatible with iPhone, iPod touch and iPad. Requires iOS 4.3 or later
  • Version 1.4.0
  • Free
  • Download here.

Finally, number 3 will help you check how much money you will have to pay in taxes using a simple calculator which gives you a quick estimate of the income tax and National Insurance contributions you can expect to be deducted from your pay each week or month. It also gives you a summary of these amounts over the year and shows how this money will be spent by the Government.

HMRC Tax Calculator screenshotHMRC Tax Calculator screenshot

Last updated: August 2013.

Rise of the Planet of the Apps

Sep 6, 2012   //   by Daniel Morris   //   Technology  //  2 Comments

It seems that we’re never a couple of weeks from another step towards a cashless society becoming the norm for the United Kingdom. And today is no different.

Following on from our story back in June regarding being able to withdraw money from ATMs just using your smartphone, comes a new kid on the block called ‘Project Oscar’.

You may be unfamiliar with Project Oscar, but in the near future we could be seeing a lot more of this name, as EU regulators have given it the green light.

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