What is a “Good” Credit Score?

In the eyes of a lender your credit score is the most important when it comes to giving not only approval, but to decide your interest rate and terms that come along with the product.  The difference in a few percent could change a monthly payment by hundreds of dollars depending on the size, so it is important to have the highest score you can. It’s so important that many people with sub-par scores tend to utilize the best credit repair services out there just so they can improve their financial outlook going forward.

FICO is the most widely used scoring model, with the worst starting at 300 and the highest being 850, with the range as follows:

Excellent:            800-850

Very Good:         750-799

Good:                   700-749

Fair:                       650-699

Poor:                     600-649

Very Poor:           300-599

What do Those Ranges Mean?

In the “Excellent” range, you have done a great job managing your finances and you are rewarded with pretty much a guaranteed approval and the best possible interest rates and terms that are available.

Typically, a “Very Good” borrower is not much different than “Excellent”, so from scores below this is where you will start to notice a significant difference the lower the scores go.

“Good” will get you approved, you just will not have the lowest rates that will be awarded to “Very Good” and “Excellent”, with the real problems starting next.

“Fair” is average, and probably will be approved, but by the skin of your teeth, going through a lengthy approval process to show you are on the right track and are worthy of approval, only to receive higher rates and fees.

“Poor” is usually referred to as having bad or subprime credit, and with your troubled history, may have to require a co-signer to prove your worthiness, and selling your soul to the lender’s terms.

“Very Poor” leaves you with very few options, so instead of pursuing approval right now, time should be spent improving credit now.

Where do you Rank?

Most creditors are now providing credit scores in the monthly statement, or clickable in the online account, so can view pretty easily where you fall.  If you are not able to view for free, you can purchase your credit score through one of the credit bureaus or third-party sites.  It is important to view a copy of your report each year to check for inaccuracies anyways, so although a score is not included, now would be a good time to request a free copy of your credit report through any of the bureaus, and request annually going forward.

Are You A Social Drinker Or A Problem Drinker?

Do you know the warning signs that alcohol might be becoming a problem for you? It’s a simple question but surprisingly difficult to answer.

Drinking is common to most cultures and for most of recorded history. It is easier to pinpoint substance abuse for recreational drugs because they are relatively new. However, drinking alcohol has been around for so long that it could almost be called a cultural norm like drinking tea or coffee.

What’s more, effects vary from one form of alcohol to another and from one person to another. According to Hotel California by the Sea, who takes a comprehensive approach to alcohol treatment, “It can be difficult to ascertain when moderate or social drinking has crossed the line to problem drinking.”

A Quick Self-Check Quiz

If you are wondering about your own drinking habits, here are 7 questions you can ask yourself to distinguish between social drinking, which is drinking to be social, and problem drinking, which is drinking to numb out emotional pain:

1. Do you feel guilty or ashamed when you drink?

Is there a part of you that is telling you that you are crossing the line between social drinking and alcohol abuse?

2. Do you minimize to others or lie about how much you have been drinking?

If you lie it’s often because you want to hide when you drink and how much you drink.

3. Do family or friends talk about your drinking?

They may hint that you may be drinking too much or tell you straight out that it’s time to stop drinking? In other words, have other people let you know that they worry about your drinking habits?

4. Do you drink even when you are alone?

Often alcohol is used as a way to be convivial in company, but you might drink when you are alone because you want to relax, unwind, forget about the day, or just feel better.

5. Do you “black out” when you drink?

This doesn’t mean that you pass out but that you can’t remember what you did when you were drinking.

6. Do you find it difficult to just stop after one glass?

While you might intend to just have one glass of wine or beer or one shot of hard liquor, you find that it’s not enough. You often need another and another until you feel some satisfaction.

7. Do you drink more than the average person?

The Washington Post created a percentage chart to answer that question. If you drink a glass of wine every night with dinner, it puts you in the top 30 percent of Americans when it comes to per-capital consumption. You hit 20 percent if you drink two glasses a night. However, this is still a modest amount compared to the top 10 percent. According to the article that accompanied the chart, “The top 10 percent of American drinkers – 24 million adults over age 18 – consume, on average, 74 alcoholic drinks per week. That works out to a little more than four-and-a-half 750 ml bottles of Jack Daniels, 18 bottles of wine, or three 24-can cases of beer. In one week.”

Clear Signs of Problem Drinkers

In many cases, the distinguishing line between social drinking and problem drinking has obviously been crossed.

Here are 3 signs that it’s hard to miss that you’re a problem drinker:

1. You routinely neglect your roles and responsibilities in your life.

At home, you don’t do chores, neglect your family, or don’t keep your promises. Your relationship with your spouse or children is strained. You may also spend more time drinking with your buddies then spending any quality time with your family.

At work, you do the bare minimum to avoid getting fired. You may even show up to work slightly intoxicated or with a hangover.

At school, you have little idea about what is going on in class, don’t do any assignments, and flunk classes.

2. You drink even when it could endanger yourself or others.

Drinking can be dangerous if you drive or if you’re using heavy machinery. In this case, you are not only endangering yourself, but others, too.

It can also be dangerous if you’re mixing alcohol with your prescription drugs despite a clear warning by your doctor about the risk. This could be fatal, resulting in multiple organ failure.

3. You get into trouble with the law.

You get arrested for drunk and disorderly conduct or are given a DUI for failing to pass an alcohol blood test.

Ask For Help

Alcoholism is rarely something that can be solved through will-power or taking some self-help DIY course of action. You usually need help to break the addiction because your cravings tend to override decisions you made when you were in a more reflective mood.

If you’re not sure, talk to your pastor, family doctor, or a psychotherapist. They will then help you figure out if you have a problem with alcohol. Often they can also direct you to the best course of action to take. If you are clear that you have a problem, you can then enroll in a rehab program yourself.

The bride’s mother will take longer to choose an outfit

It should not really come as a surprise to hear that some mothers of the bride will take around six days longer than their daughters in choosing the perfect outfit for the big day, according to research.

While a bride will take around 12 days looking at wedding dresses to choose ‘the one’, and many of them will choose their gown in their first visit, it’s not quite the same case for grooms or the mother of the bride.

That’s because they will take, on average, an incredible 18 days to choose their outfit for the wedding and visiting more than one outlet looking for designer wedding dresses which will offer them a variety of tastes and budgets.

One reason for this is that many mothers have been dreaming about their daughter’s wedding day for many years which means they believe they need the perfect outfit for the perfect day.

This delivers a challenge for the mother of the bride who then must take advice to avoid wearing the same colors, or even the same style, as the groom’s mother is wearing. However, the research reveals that just two in five mothers will know what their counterpart is planning to wear when they begin their search for a wedding dress outfit.

A spokeswoman for the firm that undertook the research said it was surprising how many mothers preferred to leave their choice of dress to chance rather than have what could be an awkward conversation with the groom’s mother.

One in five mothers of the bride also confessed to researchers that they began planning their wedding outfit search immediately after they had celebrated their daughter’s or son’s engagement with one in three saying they tried on many outfits before deciding what was the perfect ensemble. They also they had to find matching shoes, bags and hat with some also looking for designer evening dresses to change into.

This does not really help the 90% of mothers of the bride who confessed they worried about their outfits for the wedding and felt under huge pressure to look the part.

The research reveals that just two in five mothers know in advance what the other mother will be wearing and 5% said there had been a disagreement between the mothers over what to wear.

It’s always a huge help to find a bridal shop London where the stylists can give advice and tips on what to wear for the mother of the bride since they will have more extensive experience and expertise in judging what is the perfect outfit.

9 TED Talks That Anyone Working in Stockbroking Should Watch

The renowned TED Talks is arguably one of the most innovative ideas of the 21st Century. Each TED talk discussion provides the viewers with an excellent resource to increase their knowledge on any subject imaginable.TED hosts thousands of visionaries and some of the greatest minds in the world, and the best stock brokers and financial experts are not left behind.

In this article, we compile a list of 9 TED Talks that anyone working in stockbroking should watch.These talks will challenge your worldview and offer valuable insights and techniques.

1. Kevin Slavin: How Algorithms Shape Our World

In this funny and compelling talk, Kevin Slavin shows how we are living in a world that is heavily controlled by algorithms. He states that algorithms are increasingly changing our world.From researchers who use algorithms to predict behaviors, to the people at Wall Street, who create algorithm trading, algorithms are transforming and controlling our lives. Slavin gives examples of the Wall Street Crash as an example of the unexpected impact of algorithms.

2. Sheena Iyengar: How to make choosing easier

Sheena Iyengar is a Professor of Business who is famed for her research on choice and innovation.In this TED Talk, she presents a study of CEOs that shows that they make up to 70 decisions each day.Sheena explains the consequences of making too many decisions and the techniques that can be used to avoid choice overload.

3. Tobias Preis: Can Google Predict the Stock Market?

Tobias Preis is an Associate Professor of Finance at the Warwick Business School. His research on how to exploit the volumes of data generated by our interactions with technology can be very vital to anyone working in the stockbroking industry. With his keen interest in future predictions, Tobias Preis offers great advice on the stock market.

4. Geoff Mulgan: Post-Crash, Investing in a Better World

In his lecture, Geoff Mulgan talks about rebooting the world’s economy after the Stock Market Crash of 2008.Mulgan presents the idea of giving the huge government bailout packages to entrepreneurs, healthcare, green technology, and other socially responsible companies instead of the doomed old companies.This TED talk is a must watch as it focuses on the future of capitalism and the positive impacts of social innovation.

5. Marco Vangelisti: Investing for the World We Want

A fascinating story that introduces the concept of “regenerative investing.” Marco Vangelisti is a great speaker with exceptional knowledge of traditional finance.Being a former financial advisor, Marco has a lot of experience in investing and the stockbroking industry.He talks about a new way of investing that is based on direct relationships and aligned with good values.

6. Eddie Obeng: Smart Failure for a Fast-Changing World

Eddie Obeng, a business educator, notes that the world is changing faster than most people have realized.In his inspiring and entertaining talk, Eddie highlights the three crucial changes that we should all understand to boost productivity. He calls out for the culture of what he terms as the “smart failure.” It is time for everyone in the stockbroking industry to take steps towards understanding where we are, and where we want to go.

7. Shlomo Benartzi: Saving for tomorrow, tomorrow

Even as the systems for preparation for retirement continue to improve over the past decades, the national savings have continued to decline. The economist Shlomo Benartzi talks of the great ways to improve money management. He gives an excellent introduction to behavioral economics and tries to understand the money mistakes that people make.Schlomo provides great solutions and tools for saving more tomorrow and how everyone can apply them.

8. Jihan Bowes-Little: Trading as a Way of Life

The California-born trader turned writer, Bowes-Little, learned plenty of lessons while he was trading.In his TED Talk presentation, he offers three valuable trading tips that helped in through the years financially as well as discover his passion. He believes that many traders have the wrong mentality which makes them no longer capable of proper control of risks.

9. Mellody Hobson: Financial Literacy

The value investor Mellody Hobson simply has it all.She is one of the top women in the investment world and a strong supporter of financial literacy, value investing and the power of diversity. Hobson talks about the importance of working through tough economic times and being able to ‘stand on your feet.’ The thought provoking and energetic talk will help anyone working in stockbroking to determine their financial destiny.

Just watching these incredible TED Talks will provide the much-needed insight to anyone working in stockbroking.As companies continue to evolve, ensure that you grow with them.

Easy Ways to Keep Your Older Car in Great Shape 

These days, many people are holding onto their older cars for longer periods and shunning a visit to the new car showroom. One of the main reasons is that new cars are expensive and not everyone can afford a high monthly payment.

However, there are other things to consider before you decide to do what it takes to keep your older car on the road and running well. Sticking to a maintenance schedule and taking on the bulk of the repair bills might not be for everyone, and there is a certain level of dedication that must be present to be sure that your older car stays healthy and happy. 

If you’re weighing the pros and cons of keeping your old car or buying a new one, check out this list of easy ways to make sure that you keep your older car in great shape, allowing you to possibly save some money while doing so. 

1. Regular Maintenance 

Sticking to a maintenance schedule is crucial for any car, but it’s even more important if your car has a few birthdays under its belt. The most important aspect of a maintenance schedule is to make sure your car’s fluids are regularly changed.

Your engine’s oil, transmission fluid, power steering fluid, brake fluid, and coolant are all key components that allow your engine to run properly, as are the filters that accompany them. If any of these fluids fall below required levels or become dirty your engine can suffer for it, even if you’re not driving your car. 

Consult the owner’s manual for your car to determine the recommended intervals for changing these fluids and stick to it. This is the single most important thing you can do to extend the life of your car. Other items that need to be checked and regularly maintained are belts, hoses, switches, and joints.

2. Drive With Caution 

Of course most drivers are cautious on the road, but potential hazards like fender benders aren’t necessarily what you should be looking out for. It’s your everyday, standard driving that cause the most wear and tear on your car, but there are ways to be more careful about how you drive. 

 Avoid sudden acceleration whenever possible, and the same goes for hard and fast braking, unless it’s to avoid an accident. Also try to avoid rough roads and potholes, the likes of which can cause damage to your undercarriage that might not be easily spotted. This is not to say that you have to baby your car each time you drive, but a little caution goes a long way. 

3. Wash Me 

Car WashWashing your car regularly is about much more than outward appearances; a clean car will actually last longer than one that’s coated in dirt and road grime. Your car’s paint does more than just make your car look nice; it also protects the metal underneath from rust

Additionally, if you live in a part of the world that sees a great deal of snow, which means salt on the roads, then you need to wash the undercarriage of your car too. The salt can wreak havoc on the metal in your engine and other key components of your car’s drivetrain. During the winter months make sure to thoroughly clean every part of your car at least once a month, or more often, if you drive on salty roads on a daily basis. 

4. Set up a Repair Fund 

While keeping an older car as long as possible does mean saving money, you can’t expect to go the whole time with no repair bills.  Repairs will be needed from time to time no matter how well you care for your car, so it’s wise to be prepared for that eventuality. One of the best ways to mitigate surprises is to separately put money away in a savings account that will only be used for car repairs.

It’s also wise to have a great mechanic you trust, and to consider buying used parts for car repairs. Your mechanic will likely be able to spot some issues before they become bigger problems, and by utilizing used parts and components you will save more money than if you opted for new. 

Saving money is always important, but when it comes to your vehicle, which has the potential to cost you thousands of dollars at a moment’s notice, keeping those dollars in your wallet becomes even more important. Pay more attention to how you drive, stick to a maintenance schedule like glue, keep your car clean, and make sure that you have a plan in place for the times when repairs are necessary. These steps, plus a little common sense, will have your odometer effortlessly ticking higher and higher before you know it. 

How to Save Money on Your Water Bill

As the summer months approach, unless your climate area is fortunate enough to rain in the morning every day, giving your grass the needed watering per day, there is no way around running the sprinklers.  While this can inflate your water bill to maybe even double the amount, now would be a good time to evaluate how much water you are using on a daily basis and try and make the necessary cuts.  Like anything else, saving a little a day will add up over the course of the week, a month, let alone your quarterly water bill.  Here are a few quick tips to help jump start the summer months with a few extra dollars in your pocket.

Stop Leaving the Water On

What may be common sense, the longer the water is running, the more money is racking up on your water bill, but you would be surprised how much you are actually wasting.  Do you run the water the entire time you brush your teeth?  You probably do, and besides rinsing your tooth brush and mouth out is really only time the water needs to be running, so most of that is waste.  Same idea goes with hand washing dishes.  When it comes to washing, as nice as it is to stand there and enjoy a nice long hot shower, you should limit the number of times you actually do that and stick to just getting in, cleaning, and getting out, limiting to under 10 minutes.

Get a Rain Barrel

Sure that may sound like a hipster thing to do, but a rain barrel is actually a smart way to catch the rain water to use for watering flowers or gardens, without inflating your water bill and reducing the amount the drainage into the sewers.  Especially in April and May when it seems like it rains most of the week, will be a good time to capture rain water to last you most of the summer.  Try it, you will like it.

Run Only When Full

Running only when you have full loads of dishes and laundry will reduce the number of gallons, and dollars, spent.  Sure you can adjust the size of the wash load for your clothes, but it still takes plenty of gallons to wash and rinse so unless you really need that one item, wait until the laundry basket is full.

I know that saving money on a water bill sounds like a trivial amount of money in the grand scheme of things. However, if you start thinking small, it can lead to substantial savings. First it’s the water bill, then it’s the electric, and eventually the heating bill. If you continue to make efforts to save money across the board it will eventually add up to a sizable chunk of money that can in turn lead to an extra vacation a year, or even investing for your future. I would take every dollar you could and invest for a secure retirement one day.

Making Your Office the Perfect Work Space

As working adults, most of us spend up to and even more than 40 hours a week in our work space. Now let’s take a minute to think about that. What a statistic! It is surprising how much time we spend working to make a living. The time spent in our work space is significant compared to the time NOT spent in our work space. By now (adulthood, career, etc), most of us have realized the importance of making ourselves feel comfortable in our own homes as our living space is where we spend a huge chunk of our time. Why not feel exactly the same about our work space? It is, after all our second most time consuming space.

One of the necessary factors in creating the perfect work space is organization. In order to have an organized office we need to consider furniture, especially the desk. What is an office without a desk? A large desk with drawers for filing and space for working is a must as it is the key to us keeping organized. You would be surprised at how something as simple as desk space and storage can contribute to work efficiency.

Let´s discuss the most imperative thing when it comes to our perfect work space. Ergonomics!Many of us become so consumed while working that we lose sight of how incredibly important it is to maintain healthy posture. In fact, when we are not careful we can often times injure ourselves by spending endless hours in an inappropriate chair. What better way to take care of ourselves than to purchase the most comfortable, yet ergonomically sound chair. There are many chairs on the market these days and you can find a number of options at Office Depot.

Last but not least, the personalization of our office space is the icing on the cake. By placing pictures of family and friends, or maps of the world for travel, books, art etc. in our office, we not only create a more comfortable space, but we are surrounding ourselves with reminders of the most important things in our lives. The very reasons why we spend those long hours working. It all pays off in the end, especially if you have the perfect work space!

Shopping Online in Canada

Online shopping is not a new notion, nor is it merely an option for cheapskates anymore, especially in this century. However, though many people shop online, not many know what online shopping is or what the proper definition for it is. Simply put, online shopping is the process where a person directly buys goods/services over the internet. Therefore, regardless of what you buy or where you have bought it, provided you have done so over the internet, you have done what is referred to as online shopping. It is a form of Electronic Commerce where a business can sell to a consumer (Business –to-Consumer) or where a business buys from another business (Business-to-Business).

The one thing that is absolutely true is that for you to be successful while shopping online is that you need to know or have specific places where you do your shopping from. The fact that almost every one today is doing their shopping online mans that the business has gotten so many people involved in it, some of whom are not so genuine. Therefore, for you to ensure that you get the best services, you also need to ensure that you deal with the right merchants. There are a number of top Canada online shopping sites that you can deal with, but there are certain things that you should look out for in a good merchant. One of these is discount shopping sites or coupon sites Canada. This is because such sites will help ensure that you get the best products at prices that you can afford. The reason why most of us prefer to shop online is because of the reduced costs, so the lower the cost, the better the site, provided the products that are being offered are of the right quality.

Something else that you should watch out for are online businesses that accepts credit cards. Many people today do not carry cash; statistics indicate that on average a person carries at least four credit cards thus indicating that most consumers prefer paying by credit card. On addition, many businesses for accountability purposes prefer to pay with credit cards. With such a business, all you will have to do is have your credit card details on hand, know what you want to purchase and you will be good to go. However, you should also ensure that the site to which you are providing your details is one that you can trust to keep your details safe and one which will not share them unnecessarily.

The major aim of online shopping is to offer consumers a faster and more effective shopping experience thus emphasizing the importance of shopping sites online in Canada. With online shopping, you get everything you need without having to go through so much trouble.

Dining Out and Saving Money

Nothing feels more like a punch to the gut than realizing your restaurant tab chewed quite an unexpected hole through your budget. When it comes to dining out, there are countless money traps disguised as harmless additions, and being a cheapskate can help you keep within budget. To name a few, this post contains the top 3 to-don’ts that will help save you money when dining out on a budget.

 

Ordering More Than You Can Eat.

Most every restaurant offers a wide variety of dishes with tantalizing menu descriptions that are more than twice the size of a regulated portion. This results in a lot of food – and money – wasted.

To avoid spending money on food that will inevitably end up in the trash, don’t order more than you can eat. Instead of ordering an array of appetizers, entrees, and sides, order one dish at a time. You can also order meals to share with someone at your table; not only will this guarantee an empty plate, but it will also cut your total in half if you’re sharing the price as well!

 

Chugging Your Money.

The amount restaurants charge for drinks can add a heavy weight to our already heavy total. Instead of drinking your money, request a glass of water instead of a soft drink, which costs an average of $3.00, or an alcoholic beverage that can easily tack on another $7.00. Whatever you do, beware of the super duper, frozen, fruity, iced tea/slushy/smoothie/milkshake specials loaded with additional charges and tossed into a blender to justify charging another extra dollar or two.

 

Paying Full Price.

If you could save a little extra money on anything, why wouldn’t you? As far as dining is concerned, there are countless possibilities to save money with discounted gift cards and coupons. You just have to know where to look!

Groupon – the leading company in supplying outstanding coupon codes – has recently developed a very useful restaurant directory called, Groupon Pages. This is a compilation of restaurant listings in your area that includes great deals, informative details, and reviews! Take a peek at this Groupon Page for The Emerald Restaurant in Austin, TX.

Don’t throw your money away with wasted food, don’t chug your money in alcohol or restaurant specials, and hunt for deals and discounts before you step out to dinner. As long as you abide by these three guidelines, you’re sure to save a considerable amount on your next meal!

Windows 10 Universal Apps – Why are They Important

Microsoft has deployed its first batch of the Windows 10 on PCs, as a first step toward going universal – running the same OS and the same apps across all of its devices. The new OS is all shiny and fancy, as you might have expected, but it doesn’t change the user interface in any radical way, like Windows 8 did, but instead returned to the desktop and UI familiar to us all. I’d even go so far as to say that switching from Windows 7 to Windows 10 will be easier than from XP to 7. Some who have made the move say that the two versions of the OS are too similar to be true.

Perhaps the most important news about Windows 10 is its introduction of a new concept, the Universal App. I find the choice of the name a bit off, though – for an app to be truly Universal, it should run not just on all editions of Windows 10, but on previous versions of Windows as well. But hey, it was them, not me, who gave the apps this deceptive name. But back on track: Universal Apps will run on all editions of Windows 10, from the one powering the Xbox One consoles to the one running on phones and tablets. And this is a more important thing than you might think at the first sight.

First of all, let’s count: you can deploy your apps on an increasing number of desktop devices quickly. Last week the number of PCs running Windows 10 has grown over 25 million worldwide, not counting the pirated copies of the OS (which is already spreading, mind you). And if you take a loot at the Windows Store (the new one, under development), you will see the importance of the new kinds of apps for the future.

1. CPU support

The new apps will run on all platforms. Desktop and portable computers are using x86 and x64 processors, while mobile devices like tablets and smartphones are powered by CPUs based on the ARM architecture. The Xbox One console has an x86 CPU, meaning that your apps will run on that, too, and the HoloLens is most likely to be based on one of the above architectures.

2. User interface

With Windows 10 running on a whole range of devices, you won’t have to create a separate app for every platform – you will be able to do all the under the hood works once, and simply create an interface for smartphones, tablets and desktops. This will cut the time needed to deploy an app on various platforms.

3. Re-use code

Microsoft is making it easy for iOS and Android developers to deploy their apps on Windows 10 / Windows Phone through two new SDKs built with this purpose. Developers will be able to use their existing C++/Java/Objective C code to deploy Universal Apps on Microsoft’s platforms, use its services like Cortana, Xbox Live or live tiles.

4. Load websites inside apps

A great innovation, which “marries” the web with apps: developers will be able to access their websites from inside a Universal App, make use of notifications and in-app purchases, and list their apps (websites) in the Microsoft Store.

This will be a great thing for gaming platforms like the Royal Vegas online casino, allowing their users to access their 300+ excellent games directly from their app on desktop, or their over 100 mobile games from their appropriate browser-based platform. Besides, users will get notified of their daily specials and promotions just like they were software updates or incoming messages. And the Royal Vegas Casino has a lot to inform its players about. Its game library – currently having over 700 titles in its downloadable suite – is growing by at least one, but usually two or three new titles each month. Besides, the Royal Vegas offers some of the most interesting – and mouthwatering – promotions each month, offering its players the chance not just to win serious amounts of cash, but also real life prizes. One of their biggest was a 7 day Caribbean cruise for two, a promotion that returns year after year. Not to mention the special offers for existing players, that puts free cash in their pockets, and the tournaments in which they can enroll in to win even more prizes at the end of the day.

It is in Microsoft’s best interest to get more developers to deploy their content on their new platform. Through Universal Apps, mobile-first developers will have a quick and easy way to deploy their mobile apps on millions of desktops, no matter on which mobile OS it was originally built for. We will likely see previously iOS exclusive apps appearing on Windows 10 powered desktops, and Android-first releases making it on Windows 10 desktops before iOS. Which is a good thing – diversity is always a good thing. While Windows Phone might have a very small market share at this time – only under 3% of the smartphones are powered by this OS – if you also count all the desktops running Windows 10, it will be much more profitable to build Universal Apps, conquering new devices all over the world.