10. Incentive Trap

With any successful business they want to make money, and are willing to offer special offers for a limited time as a marketing tool to bring your business to their bank. However, their sales people, I mean tellers, may forget to mention that these promotional rates are only temporary. Some of these incentive traps include low opening rates, reward point systems, and extended payment periods, just to name a few.

9. The Service Auction

While credit and loans seem an easy way to cover expenses in the short-term, never forget that the bank isn’t letting you borrow their money without getting something out of it. Too often the bank is getting more out of it than you are. Selling loans, investment, vehicles, and credit lines is how the bank and its tellers and bankers make a living. These expensive services can lead to damaging credit ratings down the line, especially for young inexperienced bank customers.

8. Negative Payment Hierarchy

If you are making large purchases with high interest rate credit cards, you might not be paying off your debt as quickly as you think. This is because they are based on a principle of negative order of payment, meaning your smallest debts with the lowest rates are eliminated first while you continue to rack up high interest on your remaining large debts. Despite card agreements, your interest rates often fluctuate whether your banker will admit it or not.

7. Bill Payment Charges

While you would think when it comes to making your payments on time the bank would be happy to leave you alone, many banks make service charges for online bill payment and/or money transfers. This isn’t true for every bank, so pay attention to your payments online or call and ask your bank if they have an online payment charge. If they do charge consider trying to negotiate or ask about limit issues.

6. Hidden Fine Print Fees

Account upgrades, promotions or offerings, and “free” overdraft protection limit are all services a bank will offer to provide you, but you should be careful to read the fine print for initial fees. Another place where your bank could be collecting hidden fees are individuals who heavily use their debit cards. Banks may charge you service fees for additional card uses beyond a certain transaction limit.

1. Belkin Wallet Folio & Stand

Genuine leather design that doubles as a wallet, Belkin’s Folio offers an inner pocket for cards as well as acting as your phone case.

Cost: $49.99

2. Speck CandyShell, CandyShell Grip, SmartFlex Card and SmartFlex View

These Speck CandyShell and SmartFlex phone cases are being offered in a range of fun colors to showcase your personality.

Cost: TBA

3. OtterBox Defender, Commuter and Reflex Series

With a reputation like OtterBox has, it is unsurprising there is high demand for the tough case maker to create protection for the new Galaxy S 4.

Cost: From $34.95

4. X-Doria Dash Icon

Fun designs and textured fabric finish? Totally in! Case your new Galaxy S 4 in style!

Cost: $29.99

5. Cygnett Cases

With a new range of cases for the new Galaxy S 4 that are a high-gloss hard case in jewel bright colors in a sleek classic form.

Cost: $19.99

6. Belkin Sartorial Wristlet

Say hello to a sexy feminine case that any woman would envy for her new Galaxy S 4! Protect your favorite phone in stylish pink and purple from Belkin.

Cost: $39.99

7. X-Doria Dash Pro

With sleek and classic all-over protection, the X-Doria Dash Pro not only protects your phone in style but doubles as a stand too.

8. M-Edge Echo

With impact resistance, shock absorption and a raised bezel for screen protection, Echo offers the M-Edge cases with colorful beautiful designs.

Cost: TBA

9. Griffin Technology Galaxy S 4 Range

Looking for a range of accessories for your new S 4? Look no further than Griffin Technology. The range will include the Survivor Military-Duty Case, the Survivor Skin, the Reveal, and the Midtown Wallet.

Cost: Military Duty $ 49.99

Skin $ 19.99

Reveal $ 24.99

Midtown Wallet $ 44.99

10. Case-Mate Galaxy S 4 Range

Looking for some glam and class to add to your new phone? The Case-Mate range of cases can give you what you are looking for. With a genuine Mother of Pearl, dazzling jewelry inspired “Glam,” a Crafted Woods, and a sporty Brushed Aluminum case.

Cost: Mother of Pear $ 150

Jewelry Inspiration $ 50

Crafted Woods $ 80

Brushed Aluminum $ 50

BONUS: Belkin Slim-Fit Armband

Are you a work out buff who enjoys listening to music on your phone? Belkin has the perfect case for your new S 4 then! A sporty, washable, and slim-fit armband perfect for jogging and running to the gym.

Cost: $ 34.99

With these sexy, sleek cases that have colors and styles for any personality! Enjoy your new phone and case and go fun, crazy, and wild (or classy, whatever you prefer).

10. Baron Caterpillar

Native to India and Southeast Asia, the Baron Caterpillar uses spikes and color to avoid detection from predators to make it through adolescence. When they hatch they are only 4mm long with small spike, but grow up to 45 mm with elongated spikes at their 4^th and 5^th growth stage.

9. Merlet’s Scorpionfish

Never heard of this fish before? That might be because you know it by Lacy Scorpionfish, Weedy Scorpionfish, Merlot Scorpionfish, Lacy Stingfish, Lacy Firefish, Lacy Goblinfish or Lacy Rockfish. That’s a lot of lace! Probably this fish uses frills, tentacles, and flaps to mimic plant life and blend in with coral reefs. These predators may not be fast, but they are well hidden and are patient enough to remain still for hours until their prey comes close enough to be inhaled into its giant mouth.

8. Pygmy Seahorse

This tiny elaborately camouflaged sea life is so talented at hiding that it was only recently discovered in 1969! Not to mention they are still incredibly difficult to find, with only six more being found since then. Typically found off the coasts of Australia, Indonesia, Japan, New Caledonia, Indonesia & Papua New Guinea, they are found at about 33-130 feet deep and measure in at about 27 mm.

7. Tawny Frogmouth

Ok, stop looking for a frog, because the Tawny Frogmouth is actually a native Australian owl. This owl’s camouflage is meant for protection rather than hunting. As you might have guessed, this owl hunts at night, but sleeps during the day, making it vulnerable to daytime predators. To evade predators the Tawny Frogmouth sits still, closes its eyes, stretches its neck and compacts its feathers – this makes them look like a broken tree branch.

6. Leafy Sea Dragon

Another Australia native, the Leafy Sea Dragon is approximately 13.8 inches and have thin, elegant bodies with appendages that closely resemble leaves to allow them to blend in with water plant life. While similar in structure, the sea dragon is closely related, but is not a sea horse and is not to be confused with the Weedy Sea Dragon, a close cousin.

With Windows Phone 8 as its native operating system, Lumia 925 has the same features as with the previous variant except some new additions and carrier-specific services. Well, of course, the new version has a new design and Nokia traded polycarbonate with aluminum to make it more solid and su bepporttter design. Plastics can project glossy designs but aluminum can give a device a rare look. The manufacturer, however, didn’t completely abandoned polycarbonate; the back panel will be made out of it.

Lumia 925 is capable of wireless charging but instead of making it as one of the built-in features, Nokia did otherwise. Wireless charging can only be done by placing a thin charging accessory at the back cover of the handset.

It comes with a 4.5-inch screen featuring AMOLED WXGA technology but to the dismay of many fans, it won’t feature a Full HD resolution; it only has 1280 x 768 pixels Gorilla Glass 2 screen.

While the 920 was known for snapping really good photos, 925 is also expected to do so with its 8.7-megapixel primary camera. Lumia line of phones can actually excel in terms of photo quality when they’re placed under low-light environment.

There isn’t any information available pertaining to the release date and price in the United States but it is expected to be released in Europe and China in June for 468 Euros.

10. Riddle House

This Victorian house looks beautiful and picturesque on the outside, but this Palm Beach County, Florida building has a haunted history. A former Riddle employee, Joseph, inhabits the attic of the house after committing suicide in the room. Joseph particularly hates men and has flung lids and other items at men who enter the room – leading to men being banned from the attic.

9. Helltown

This fear inducingly named town gives you goose bumps due to a drop off road that leads to a dead end known as “The End of the World,” and legends of not one, but a myriad of kooks and haunts. The party includes Satanists, members of the Ku Klux Klan, escaped mental patients, large snakes, and chemical spill mutants are also joined by the Boston Cemetery male ghost, grave robbers, and even a moving tree.

8. Stull Cemetery

Rumored to be one of the seven gates of hell, the Stull Cemetery in the tiny 20 citizen village ten miles west and thirteen miles east of Topeka, Kansas. With two terrifying tragedies including a farmer who found his young son’s burnt body and a missing man being hung from a tree in the town, there are more rumors that claim “the devil himself holds courts with his worshippers there.”

7. The Ridges

The original Athens Lunatic Asylum was a hospital known for lobotomies and ridiculous diagnoses. The Ridges is currently owned by Ohio University and both are haunted heavily. Billy Milligan was a rapist patient with Dissociative Identity Disorder at the asylum for years. However, the most famous spirit is a female patient who was missing for 6 weeks and was later found in an unused ward where she had died.

6. Humberstone and LaNoria

These two ghost mining towns abandoned in 1960 were founded as a saltpeter mine in Chile. Life was hard in the mines and the towns and were left standing, neglected. La Noria cemetery and Humberstone are the figure of numerous ghost sitings and rumors of rising dead. With open graves that still contain exposed bodies, you wonder if the grave host didn’t decide to take a refreshing walk the night before.

Another rumor in relation to the cheap iPhone has just started; it will be released in various colors. This implies that Apple will be drifting from its iPhone tradition and make things a little colorful for its flagship aside from offering it in either shades of white or black.

Of course, there is a group of people who believe this is not going to happen considering iPhone has always been successful with its current colors. But for one, we’re not really talking about the typical iPhone here, but the possible budget-friendly version.

While unconfirmed, there is a possibility that the cheap iPhone will indeed be offered in various colors as Apple already started making colorful iPod Touches.

Since the start of this year, we’ve seen a lot of iPhone 5S, iPhone 6 and cheap iPhone concepts. But Apple, despite all the buzz built around these rumors, kept its mouth shut; there was never one clue to confirm the appearance, design or colors of upcoming models. So these things would remain a rumor until Apple confirms them.

1. Biomedical Plastics Emulating the Sea Cucumber

Using implanted electrodes in the brain to treat neurological problems isn’t a new, however hard plastic used to make them have been shown to lessen the positive effects of the treatment. Now scientists are looking to the sea cucumber’s adaptable skin for answers. They have created a material from fine cellulose fibers in a polymer matric that become loose or bound together in different conditions.

2. Packing Materials Emulating Fungus

Fungi have been used, not only emulated, to create durable and compostable packaging products. Ecovative Design, a company near Troy, New York, uses live filamentous fungi to convert agricultural waste into a tough fiber called chitin. Scientists believe it could be used in a wide range of products someday including furniture and computer cases.

3. Devices Emulating Viruses

Viruses’ ability to self-assemble has led scientists to genetically engineer harmless viruses to form functioning devices using their ability. One successful project was able to get a harmless virus to transform itself into a battery.

4. Filters Emulating Forest Decomposition

An Australian company was inspired by decomposition on forest floors and at the edges of rivers, which relies on worms, beetles, and other organisms to create a similar waste-water treatment system. Using living “humus” the worm and beetle system functioned better, even without chemicals.

5. Modular Structures Emulating Human Cells

Austrian architect Thomas Herzig designed modular “cells” inspired by the way biological cells form tissue. These modular cells are made from either PVC or thermoplastic polyurethane and are patented as “pneumocells.” Each pneumocell is airtight, fire-retardant, blocks solar radiation, and keeps its shape. Also, even if one cell get damaged, the rest will continue to support the structure.

In the video, the designer showed a new home screen overlayed with a simple yet elegant passcode screen. iOS users who were used to seeing Apple’s typical interface would surely acknowledge this concept that is neat and a worthy replacement for the current one.

While Safari is the default browser for iOS, the designer used Dolphin browser’s left/right pull-in feature, tabbed browsing and favorites on the sides. Cool dashboard widgets also made the entire presentation worth it. If these features including the flat interface would be used for iOS 7, we will be seeing a totally different system and for sure, many would love it.

Apple is still super secretive about its upcoming devices and operating system so no one knows what the new design and interface would be. But what do you think of this concept? Is it worth it in your opinion?

Back in March, a Vietnam-based blog published series of photos alleging to be shots of Google X Phone but enthusiasts dismissed the notion. A couple of months later, another leak excited the tech community leaving an impression that the device may even be nearing its launch.

The photos look legit, although it does have a look of a typical Motorola smartphone.  At the back, the manufacturer’s logo appears underneath the primary camera. The front side does look elegant with the display taking about 80% of the total panel.

Reports suggest Google X Phone will come running NVIDIA’s Tegra 4i processor, which would be complemented by a 2GB RAM. It would sport a 4.7-inch screen featuring Full HD 1080 x 1920 pixels resolution, 16-megapixel primary camera, 2MP secondary, and a massive 2,400 mAh battery.

Basically, the device will be released almost the same size as with HTC One, which also has a 4.7-inch display. But it would offer much power, more features and possibly marketed at a lower retail price. One of Google’s plans why it had to buy Motorola is so that it can subsidize its smartphones. Google devices, in the forms of Nexus phones, have always been great in almost all aspects. So, we should expect nothing less than that.

Of course, information about this smartphone should be taken with a pinch of salt for now. But with legit photos of an alleged Motorola device roaming the web, it won’t be long before Google confirms these rumors.

[via 9to5Google]

1. Metal Detecting Sandals

Are you a metal detecting guru but get tired of holding that heavy metal detector all the time? No problem, Hammacher Schlemmer has found your solution! Metal-detecting sandals are able to scan the earth under your feet as you walk! The battery circles your calf, but don’t look these babies up online just yet… They’re no longer available.

Price:$59.95

2. Cigarette Umbrella

This 1930’s invention was designed for the smoker tired of having to worry about soggy cigarettes in the rain. Unfortunately, this interesting gadget never took off, but it is an interesting design!

Price: Unsure

3. Swatch Talk

You know the spy movies where they are able to talk into their wristwatch. During the 1990s the Swatch Talk, designed by Swatch, was an invention that used new cellphone technology at the time to recreate the classic spy gadget. But it seemed a bit odd to consumers to talk into your arm, but at least the watch was water resistant!

Price: Approximately $240

4. Bone Fone

This idea is as fascinating as it is weird! The Bone Fone used your skeleton to create a private rich aural experience- in short your own private concert through the resonance of your bones. Cool, but creepy. Needless to say the Bone Fone never caught on and it’s not hard to imagine why!

Price: $69.95

5. USB Pregnancy Test

Potential moms could be getting tech savvy and analyze their own urine for pregnancy. Using a Horizontal USB port to prevent “accidental moisture transference,” a woman can simply plug in the USB to her computer and wait for the results!

Price: $19.99