Schultzter's blog

What’s the Best On-Line Portfolio Manager to Track my Investments, part 5 of 5

2012-05-11T13:28:00.000-04:00

It's been a week since we last talked, and I bet you were waiting with tense anticipation for the final instalment! Well, it would seem that my birthday celebrations, mother's day, and the fact my Bachelors of Arts degree left me with absolutely no artistic ability what-so-ever have come together against me.

So here, in all its glory - but without any cool infographics - is the conclusion. Enjoy!

To summarize what I've discussed over the past couple weeks I've put together the table below. Remember that on line portfolios are offered by portal sites, news outlet's web sites, financial web sites, and your broker's web site. There are different styles of portfolios: Full portfolios let you track holdings and even transactions; whereas Watchlists only let you list a stock. Most of these sites contain ads, but some are less intrusive and others are more.

The rating scale is out of 10 and is highly subjective and compounded by the fact it entirely my opinion, not anyone else's or an average of several people's. Data is an evaluation of the completeness of the data; Use is an evaluation of the ease of use; UI is a first impression of the look & feel of the web site; and Total is the sum of the previous parts, out of 30.

	Type	Style	Ads	Data	Use	UI	Total
Google Finance	Portal	Full portfolio	Bearable	7	10	10	27
MSN	Portal	Full portfolio	Intrusive	4	5	5	14
Yahoo Finance	Portal	Full portfolio	Bearable	5	7	7	19
Bloomberg	News Outlet	Full portfolio	Excessive	9	6	4	19
Canadian Business	News Outlet	Full portfolio	Excessive	6	3	3	12
Financial Post	News Outlet	Watchlist only	Intrusive	7	6	4	17
Financial Times	News Outlet	Full portfolio	Bearable	10	10	7	27
Globe Investor	News Outlet	Watchlist only	Intrusive	9	4	8	21
MarketWatch	News Outlet	Watchlist only	Intrusive	9	10	9	28
Barchart	Financial Services	Full portfolio	Bearable	4	7	5	16
Morningstar	Financial Services	Full portfolio	Bearable	6	4	8	18
TMX Money	Financial Services	Watchlist only	Excessive	4	7	5	16
BMO Investor Line	Broker	Live portfolio	None	10	5	5	20
Qtrade	Broker	Live portfolio	None	10	8	7	25
RBC Direct Investing	Broker	Live portfolio	None	10	5	5	20

You can also see this table in all it's Google ~~Docs~~Drive glory!

What's clear from the table is that Google Finance, the Financial Times, and Market Watch have the best on-line portfolio managers. So if you're going to spend the time to set one up and maintain it, then one of those three would be your best bet.

Part 1 - Introduction
Part 2 - Calculating Returns and The Portals
Part 3 - News Outlets
Part 4 - Financial Services and Brokerages
Part 5 - Comparison Table and Conclusion

Cross-posted on 2FatDads

Disclaimer The material in this article does not constitute advice and you should not rely on any material in this article to make any decision or take any action.

Flipboard for Android leaks

2012-05-09T13:18:00.006-04:00

So Flipboard for Android was supposed to be an exclusive on Samsung Galaxy S III but it didn't take long for an intrepid S III owner to pluck the APK from it's comfortable surroundings and throw out into the wild for all to enjoy!

So far I'm pretty impressed, Flipboard certainly looks beautiful and makes viewing media laden tweets a joy - although tweets who's media host is not integrated are still relegated to second place. And those tweets that link to an article an get a very fancy look with media from the article.

My two main sources of reading though are Google Reader and Twitter. For both of those Flipboard is a mixed result. Flipboard works best when there's media to display, it makes the article look so much cooler. I've added The Globe and Mail, The Economist, and Make Magazine, which are quite nice to flip through - but I have to admit I had trouble navigating around the app to find stuff.

If you want to give Flipboard a try on your Android phone, either buy yourself a Samsung Galaxy S III or head-on over to XDA Developers to download the APK and sideload it yourself.

Cross-posted on 2FatDads

Who won in Google vs. Oracle?

2012-05-07T22:51:00.000-04:00

The headline over at Boy Genius Report is Jury says Google infringed on Oracle’s copyrights and over at Mobile Syrup it's Jury reaches split decision in initial Google/Oracle case while at the Verge they say Jury finds Google infringed Oracle copyrights in partial verdict; Google moves for mistrial and over at Phone Area they have Jury renders partial verdict copyright infringement in Oracle v Google case and finally Reuters wrote Google infringed Oracle Java copyrights: jury.

What's most interesting though is in other news about Google there's plenty of stuff besides the lawsuit. But the Oracle news is all lawsuit all the time!

So whether they won or lost I don't think Google really cares, they've already moved on! Oracle on the otherhand, doesn't seem to have anything else to talk about.

Cross-posted on 2FatDads

What’s the Best On-Line Portfolio Manager to Track my Investments, part 4 of 5

2012-05-02T17:06:00.001-04:00

I've previously looked at what other sites like the big portals and popular news outlets have to offer investors who want to track their portfolios. But there's two other important players: the financial services web sites who are typically at the root of the financial data, and the brokerages where we hold our portfolios. In this part I'll see what they have to offer.

Financial Services

These are companies that are actually in the money business, they provide a portfolio manager as a courtesy or add-on to their primary business.

Barchart

Like the name implies this company specializes in charting the underlying financial information; and there's a lot of impressive stuff you can do with their charts! And there's even more technical information for those who invest by the numbers. There's not much fundamental information though, like dividends and yields are missing. The site also has a very 1990's feel to it - except for the charts, although beautiful they don't quite fit into the surrounding site.

Morningstar

This is another name everyone who's ever looked for the slightest financial information has run across, they are everywhere. And they've very generously made a lot of their information available on their web site with very nice quotes, charts, and other detailed financial and historical information. For the amateur the amount of information can be overwhelming, but you get a sense of what the professionals deal with.

And since Morningstar makes their money selling subscriptions to the pros the advertising on the site is minimal and most of the space is given to data and charts.

TMX Money

Let me get this off my chest: Why does the Toronto Stock Exchange - the primary source - ship us off to another company when we want to lookup TSE stock quotes?! Admittedly they've outsourced to Quotemedia, who turn numbers in works of art, but it still bothers me. The actual functionality is basic but the data is all there, amidst a fair bit of advertising though.

Brokerages

This is where the transactions really happen, so they're listed here as a point of comparison since we've already established that you wouldn't leave your banking homepage open on your computer all day long. A big difference with these portfolios is that you're a paying customer, so there's no advertising (apart from the occasional self-promotion) and you often get some premium features you'd have to pay for elsewhere.

Bank of Montreal Investorline

The BMO Investorline site provides clear but basic asset tracking information and has recently added some nice graphing features to track trends and mark dividend payments. The site is easy to use and the recent GUI upgrades provide a brighter look and feel . That said, some of the tabs still have almost a beta look to them and one can only hope they are not quite finished with their current overhaul.

In the gallery, if you look closely at the chart screen shots of BMO Investorline and the Financial Times we can see the look almost identical, so either they're using the same provider or same underlying tools to generate the charts. Either way, Investorline has not make their portfolios as nice as the Financial Times has.

Qtrade

They've received numerous, well-deserved, accolades for customer service and innovation. The web site works very well and the portfolio has a comprehensive set of views. The quotes and charts are standard fare but since you're a paying customer you do get more information than aforementioned free portfolios.

RBC Royal Bank Direct Investing

RBC's on-line portfolio is probably one of the oldest in existence - or at least it feels that way. The on-line banking web site is making great strides towards the 21st century but the brokerage still seems stuck in the 90's. Once you're there though, and you've forgiven them for not looking like an Apple or Google web site, you'll find plenty of information from Thomson Reuters that is well laid-out and accessible.

So what we've seen here is the portfolio managers from the brokers and from the companies supplying the financial data are not much better (or worse for that matter) than any one else's. There's no real advantage to using your broker's portfolio and there's the big disadvantage of leaving the site open and exposed for an extended period of time.

In the final installment I'll summarize all my reviews in a categorized table and leave you with my final conclusions.

Part 1 - Introduction
Part 2 - Calculating Returns and The Portals
Part 3 - News Outlets
Part 4 - Financial Services and Brokerages
Part 5 - Comparison Table and Conclusion

Cross-posted on 2FatDads

Disclaimer The material in this article does not constitute advice and you should not rely on any material in this article to make any decision or take any action.

What’s the Best On-Line Portfolio Manager to Track my Investments, part 3 of 5

2012-04-30T12:06:00.000-04:00

Last week I introduced on-line portfolio managers for your investments, and how to calculate the returns on your portfolio. I also looked at what the big portals offered their users. This week I'll start by looking at what other sites have to offer.

News Outlets

News papers and syndicates that deliver the news; in particular the outlets that have a business focus we expect to have a robust portfolio. We all typically have a news outlet we go to first for our news, and we might even log-in so we can leave comments. Most likely the newspaper offers an on-line portfolio.

Some of these news outlets offer premium features to paying subscribes, or even have entirely separate offerings for professionals. This review however is focused only on what's available to the general public as a free service. For the average individual, who just wants to keep tabs more frequently than monthly or quarterly statements, the fees to access the premium services are not justified.

Bloomberg

Bloomberg is an American news outlet with a business focus. Their portfolio, quotes and charts are clean and efficient. I especially like the use of charts directly in the portfolio. Overall though the portfolio is fairly basic and not very innovative.

It should be noted that Bloomberg is one of the primary providers of news and data for professional advisors and portfolio managers. But what I'm looking at here is what is available to the general public, without a subscription.

Canadian Business

This is more of a business magazine than a daily newspaper outlet and the appearance of the web sites reflects it. They've outsourced their portfolio, quotes, and charts to Barchart and unfortunately it shows - everything related to stocks seems to happen in its own little box. There's some nice little fly-overs in their portfolio but you don't get as much information as other sites.

Financial Post

They have a very impressive Watchlist feature that scrolls a ticker across top of the web site, and you can click on a symbol to get more information or go to a full blown quote & chart page. Although in the actual portfolio manager, the quotes, and charts are bare-bones and visually un-appealing. This a web site that makes me think of the early days of the web when Flash ads were all over the page!

Financial Times

This site has everything - including a pink background. And does it really well. My initial impression of the web site was not very good; but in terms of data and functionality this gets an A+. With the added bonus that it really is international - not just North American. There's a lot of information provided on the first page for each stock, and charts open over the page (very web 2.0 - even though they preserve the Netscape-look of the site while doing it).

Globe and Mail Investor

The quintessential Canadian business news web site. Their stock and fund filters are the foundation used by many other organizations. They recently revamped their on-line portfolio and it looks much slicker, but it no longer has all the detailed functionality of the old one. You can't track your exact position but, for stocks at least, you can track how many shares you own. The quotes and charts pages are split up along traditional lines, and their functionality is limited but at least all the Canadian data is there.

There are premium features available to Globe Plus and Globe Investor GOLD subscribers but these were not reviewed here.

Market Watch (Dow Jones)

Here is a very innovative portfolio manager, from the way it is laid-out to the way it works (it's the only one that allows you to tag a stock and filter your stocks by tag). You can't track all your transactions, but you can track your positions. The quotes for Canadian stocks are complete, and the charts are from Big Charts (another Dow Jones company so it's not really out-sourced) so they're very well done.

Note that Dow Jones is another important service relied upon by many professional investors and portfolio managers.

Of all the news outlets the best of the bunch are definitely the Financial Times and Market Watch. Unfortunately the Canadian ones in the bunch aren't stepping up.

In the next installment I'll look at what financial services companies offer the public and what customers of brokerages get.

Part 1 - Introduction
Part 2 - Calculating Returns and The Portals
Part 3 - News Outlets
Part 4 - Financial Services and Brokerages
Part 5 - Comparison Table and Conclusion

Cross-posted on 2FatDads

Disclaimer The material in this article does not constitute advice and you should not rely on any material in this article to make any decision or take any action.

What’s the Best On-Line Portfolio Manager to Track my Investments, part 2 of 5

2012-04-26T23:31:00.001-04:00

In this installment I'm going to take a look at what the big web portals have to offer. But first I want to review how returns are calculated and what you should be looking for from those numbers.

Calculating Your Returns

There's a lot of ways to calculate your returns, but unfortunately all these web sites use the simplest of methods: Total Return. Basically, they compare the ratio of your gains (or losses) to your costs without taking time into account. This is fine if you bought all your investments in one shot (at least on the same day) and now you're going to sit back and watch them.

Pass the popcorn!

In reality you want to know your annualized return. Which is a fancy way to say you want to your average annual return. Except it's not as easy as dividing the Total Return by the number of years you're invested (that would be the simple or arithmetic average - and it's the wrong way to annualize your returns). A better way would be to calculate your geometric average or compound return.

But there are even better ways: Money-Weighted or Internal Rate of Return, Time-Weighted or Linked Internal Rate of Return, Modified Dietz Rate of Return, or the Daily Valuation Method. The best would be the Daily Valuation Method, but unless you have a super-computer you won't be calculating this one.

Of all these probably the best compromise between efficiency and accuracy is the Modified Dietz Method (also known as Approximate Time-Weighted Rate of Return). Once you've calculated that for each period (monthly, quarterly, or annually) you can link it together geometrically to see your annualized return over the years.

Once you know your annualized rate of return you can properly compare your investments and see which ones really are doing well, and which ones just sound good.

For more details on the calculations, PWL Capital has a great white paper on on How to Calculate your Portfolio's Rate of Return.

Now hopefully one of these web sites, at least the ones that track dividends, take all that information to calculate a proper annualized rate of return.

The Portals

These are the big internet sites where a lot of us start our day. They bring a lot together, like news and weather, functionality like web searches, e-mail and calendars, and more. Adding a portfolio to that isn't a stretch but since it's not their focus we might not expect anything exciting from them, but we hope that with everything else going there's going to be some interesting integration - like easy searches, e-mail alerts, and social sharing.

Google

They nailed the user experience with a clean and simple design that puts more data onto one page than any other site, and there's even a gadget for my iGoogle home page and functions for my Google ~~Docs~~Drive Spreadsheets. The charts are perfection: I could configure my own default settings and with one click I could expand the chart to the full width of my screen. But they blew it on data since dividend information for Canadian stocks (ETF's in particular) is sometimes missing, in-complete, or just plain wrong!

MSN

They have one of the nicest portfolios - it's actually a Silverlight app so it better be slick! But the rest is held together with duct tape and bubble gum. And basic information for Canadian stocks - even blue chip stocks - is frequently missing. The initially beautiful web site falls apart just below surface.

Yahoo

This is what you'd expect from a web-base portfolio. It looks nice, but the functionality is pretty basic and regrettably dividend information is often missing for Canadian stocks and the news is U.S. focused. Since Yahoo has fallen on hard times they're probably not putting a lot of effort into something you can get everywhere else, so unfortunately I have to recommend you go somewhere else!

In the next installment I'll take a look at what the news outlets have to offer. While some are astounding there are a few stinkers in the bunch!

Part 1 - Introduction
Part 2 - Calculating Returns and The Portals
Part 3 - News Outlets
Part 4 - Financial Services and Brokerages
Part 5 - Comparison Table and Conclusion

Cross-posted on 2FatDads

Disclaimer The material on this website does not constitute advice and you should not rely on any material in this website to make any decision or take any action.

What's the Best On-Line Portfolio Manager to Track my Investments, Part 1 of 5

2012-04-24T23:41:00.000-04:00

Whether it's just the curiousity for your favourite companies or fantasizing about what you'd do if you were Warren Buffet, or monitoring your RRSP, TFSA, and children's RESP having an on-line portfolio manager for your investments is fun and convenient.

Introduction

Probably one of the best reasons to have your investments in a web-based portfolio manager is to avoid having to login - and stay logged in - to your brokerage whenever you want to see how things are going. And if your brokerage is also your bank and credit card issuer then it's really not something you want to leave open on your computer all day!

Besides, most of us automatically log in in to a portal (Google, MSN, or Yahoo) or news site (Globe & Mail, National Post, etc.) anyways so we may as well take advantage of their portfolio managers at the same time.

One thing is certain, there's a lot of differences amongst all the portfolio managers out there on the web! Not only do they look different, but they offer different functionality - some focus on quotes, some on charts, and some on analysis - and varying amounts of information (and completeness of the information).

The Players

I've compared portfolio managers from the portal sites: Google, MSN, and Yahoo; the news sites: Bloomberg, Canadian Business, Financial Post, Financial Times, Globe and Mail Investor, and MarketWatch; financial services: Barchart, Morningstar, and TMX Money; brokerages: Bank of Montreal Investorline, Qtrade, and Royal Bank of Canada Direct Investing.

You can see screen shots of a sample portfolio, quote, and chart from each one in the gallery.

My Methodology

I've tabulated a lot of the characteristics of each web site. But of course there's more to it then you can get from reading down a column and across a few rows. There were three things I really focused on

the user experience: if I felt like I was back in 1995 and using Netscape Navigator rather than a modern browser on a modern web site then the portfolio manager got a thumbs down!
completeness of the data, especially dividends: investing for dividends is one of my primary methods and the more a web site tells me about the dividends the happier I am!
charts: I like my charts to cover 3 to 5 years, show Bollinger Bands, and dividend payments - AND I want all that in as few clicks as possible!

Everyone looks for something different, of course news, analyst opinions, financials tables, and more are all available to varying degrees.

I would also like to see a portfolio manager that goes beyond the generic performance calculations and puts something together not only for my portfolio but that also takes the dividends my investments generate into account. It's easy to calculate total return and other metrics based on your cost and the current market value. It's harder to take cash flows and time into account but I'd really like to see a web site that did that.

One thing I don't like to see is a lot of advertising. I realise it's inevitable these days but some web sites do a better job of integrating the ads and on others it is far to distracting to make the web site usable.

There's a few I specifically didn't compare:

Vuru.co since they couldn't provide analysis for bank stocks (good for dividends) or stocks younger than five years (conversions from Income Trusts);
Quotestreamer since it's a paid subscription and way beyond a simple portfolio manager;
Globe Investor GOLD since it's another expensive subscription service;
Mint because they only work with linked accounts (I thought I could create a manual account but apparently no longer); or
Yodlee since their portfolio manager is barely ready for alpha let a lone general use!

And I'm sure there others out there too that I missed, and I'd be happy to hear about them in the comments.

In the next installment I'll look at the what the portals have to offer.

Part 1 - Introduction
Part 2 - Calculating Returns and The Portals
Part 3 - News Outlets
Part 4 - Financial Services and Brokerages
Part 5 - Comparison Table and Conclusion

Cross-posted on 2FatDads

Disclaimer The material in this article does not constitute advice and you should not rely on any material in this article to make any decision or take any action.

Path vs. Instagram on Android

2012-04-20T21:30:00.000-04:00

I recently went through the exercise of finding a replacement for Instagram, when they sold-out to Facebook. Path wasn't on my list of replacements at the time because they didn't offer filters or lenses like Instagram does - at least on Android, iOS users have had that feature for some time.

Now that Path has added that feature to Android, and because quite a few friends switched to Path after abandoning Instagram, I have given it another look.

The coolest feature of their lenses is they are applied while you are taking the picture! Not afterwards, so you can see live how the shot will look. You can always change the lens afterwards too.

Unfortunately Path doesn't have all the editing features I've gotten used to now in Aviary - things like cropping the photo, rebalancing the colours, adding some mark-up, and more. And their lenses do not include the funky borders or other embellishments that Aviary (and Instagram) added to accentuate the effect.

So the question is, do I use Path as a Twitter client? Do I abandon Twitter (and it's ecosystem) and live entirely on Path? Or is Path just not happening for me?

I don't really have any compelling reason to be on Twitter over any other social network - I'm following a couple dozen people and the ones I interact most with I also see in-person or are on Path too. But my current workflow (snap a photo, edit & embellish with Aviary, and post to Twitter with hosting on TwitPic) works really well. Photos posted to Path and shared on Twitter are only visible if the viewer clicks through the tweet to Path (photos shared on Tumblr show-up on Tumblr but you have click through to Path to see the comment) - TwitPic photos show-up in the tweet.

For now at least, stay tuned to Twitter rather than Path.

Source: Path's blog

Cross-posted on 2FatDads

How to Install a Central Vacuum System

2012-04-20T00:52:00.001-04:00

Lately I've been trying to finish all the little projects I've started around the house. Recently, I finished the central vacuum project. We've been using it for a couple years now, and a central vacuum is great! There's only the hose and want to carry around so it's super light; the motor unit is in the basement so there's hardly any noise; and it exhausts outside so there's no filter or any fine particles blown around the house.

Rule #1: Work with gravity - not against it!

It might seem like a good idea to start in the basement, where you can make a mess without worrying about cleaning-up right away, but it's much easier to line-up your holes when letting a five-foot drill extension hang downwards than when trying to hold it upright above your head!

Tools and materials

You're going to need some tools of course, here's what's essential:

Drill, good and powerful, with a 1/2-inch chuck if possible
4-foot drill extension, especially if there are fire-breaks in your walls
2 1/2-inch hole saw, a solid one - not one of those multi-size ones
Drill bits, for what ever material you're going to hang the motor unit on
Hack saw
Workbench
Mitre box
Quick clamp
Screw driver(s), depending on what kind of screws you're using
Tape measure
Drywall saw
Wire cutters
Wire strippers
Spirit level
Flash light
Permanent marker

Every installation is different, but every kit is the same, so make sure you also have the following material:

Straight tubes
A variety of tube fittings (we'll figure out exactly which ones later, but wider curves are better than narrow bends)
Plastic pipe straps
Metal strapping
Outlets
Sweep inlet (optional)
Glue
18-2 wire, enough to go from the furthest outlet to the unit
Marrettes, in case you need to splice any of the 18-2 wire together
Screws and plugs, according to the material where the unit will be installed

Planning

The less bends and splits the better. If you're house has two levels try to keep it vertical; if it's a bungalow keep the outlets in a straight line.

Figure out where your outlets are going to go. This depends a lot on how long the hose is that you have. Make sure you can comfortably reach all around your house, under the beds, around furniture, and up to the tops of bookcases and armoires (with the duster attachment).

If your walls aren't aligned and you would have to make an odd bend in the pipes see if you can up or through a closet instead, where no one will see your "short-cut" and you'll avoid unnecessary work.

Mounting

The main unit needs to be solidly mounted but remain accessible so you can empty the canister regularly. Make sure there is enough clearance above and below the unit.

It should also be near an outside wall so you can exhaust to the outside (if you decide to, but doing so means the small particles that pass through the filter end up outside). There's a muffler too you can put along the exhaust to keep the noise level down.

There also needs to be a power outlet nearby to plug the unit into.

Installation

Dry fit all your connections before gluing them together - you've only got one chance and if you get it wrong you're headed back to the hardware store for more pieces! Note that the tubes should have a dashed line down the side and the fittings should have eight notches around the edge. Line up the dashed line with one of the notches and mark them both with the marker.

When cutting the tube use the mitre box and hack saw to make nice, straight cuts. Then de-burr the edge so it's nice and clean.

Once everything is fitted you can start gluing. Make sure you can still move the pieces around enough to glue the next piece on, not so the system is so rigid. It may be better to work towards the middle rather than towards one end. Don't forget to pull the 18-2 control wire along with the pipe and attach it to the outlets as you go.

And once it's all glued together, or even as you're gluing if necessary, don't forget to put in some straps to hold the tubes in place. Either the pipe straps when the tubes are up against a solid surface or with a length of metal strapping when the tubes are hanging (make sure you wrap around the tube for a solid hold rather than just passing underneath the tube).

If you're installing a sweep inlet be aware they're not easy to do. Not only because they're typically in awkward places but because the fitting snaps onto the back without glue you have to make sure you don't dislodge it when you connect to the rest of the tubes.

Along the way you might want to use some duct tape on a few key joints in case you need to make any changes later. Or if you can't finish the whole job in one go but still need to use the system.

Enjoyment

Now that the system is installed you can kick back, crack open a cold one, and compare your work to my installation.

Cross-posted on 2FatDads

Instagram vs. Lightbox vs. PicPlz vs. Aviary and More...

2012-04-13T10:32:00.002-04:00

Ever since the bombshell dropped, that Instagram had sold out to Facebook, a lot of us have been looking for an alternative.

Now the sell-out may not be the end of the world as we know it, but we expect in a very short time that Instagram will change their terms of service to read All yur pics iz mine! and we'll be forced to share on Facebook primarily. That may not happen. Facebook might simply embed Instagram as the built-in camera on their smartphone apps and leave the rest of us who don't Facebook to use a stand-alone Instagram like we do now. But is that really why they invested a billion dollars to acquire Instagram!?

Some of the alternatives that have been mentioned include: Aviary, Flickr, Hipster, Lightbox, Magic Hour, MOLOME, PicPlz, Pixlr-o-matic, Poctos, and StreamZoo.

A search on the Google Play store for "photo filters" or even just the Photography category reveals more than 1,000 results! Granted they aren't all Instagram-like apps, but reading through the first few pages reveals that there are a lot of choices. More than we can possible review here, sorry.

So for your consideration, here are some alternatives to Instagram. Not an exhaustive list, but the list I am considering. They aren't all drop-in replacements for Instagram, but the ultimate result is the same: sharing fun, quirky photos.

Lightbox

This was the first Instagram-on-Android app that I tried. It worked really well, and pretty much works like Instagram. The most interesting twist for Lightbox is the camera is interchangeable, so if you prefer another camera app you drop that in, or you can use Lightbox's camera independently of Lightbox.

PicPlz

This is what I first switched to after the sell-out announcement. It too works pretty much like Instagram, in fact pre-dating Instagram in it's creation. The interface is not as intuitive though - it sounds simple enough: one touch effects. But you end up with a long list of combinations when in fact having a few separate toggles and lists would probably be faster. The coolest thing about PicPlz is that it integrates the Aviary tools so you can go beyond effects and actually edit your photos on your phone.

Hipster

This one actually sounds cooler than Instagram and represents something I've done on family vacations: I use my phone to send personalized, custom e-mail post-cards. The Hipster app takes this simple idea, builds-in a camera, filters & effects, and makes an entire community out of it. You can flip your post cards over and see more information about the photo.

Flickr

Perhaps not one you'd expected to see in this list, the Flickr app actually works perfectly as an Instagram replacement - it even has a built-in camera to go with the filters & effects and sharing. And it has the added benefit of the power of Flickr once you're back at your computer. So everything you share ends-up in your Flickr account, the same place you share the photos you take with that hefty DSLR - no integrating multiple sites into your workflow or directing your followers all over the intertubes.

Aviary

This is another odd member in the list. Aviary revolutionized online media editing (not just photos) and has a suite of tools anyone can integrate into their apps (either mobile or web based). But this isn't an app, in fact this is a sharing plug-in that allows you to add filters & effects (and a whole lot more) to your photos before the final step of sharing them via your favourite service (ex.: TwitPic for Twitter). Even though Aviary is free, there are add-ons (filters, lenses, stickers, etc.) available for purchase.

Pixlr-o-matic

This is the big-daddy of filters and effects. There are so many it would overwhelming, but they've thoughtfully included an effects manager so you can decide which ones show up as your initial choices. Obviously the coolest thing about Pixlr how much you can do with your photos (84 effects, 287 overlays, and 193 borders), and their interface is solid and well thought-out so it doesn't have be overwhelming. This is app will have you playing with the same photo for hours if you're perfectionist.

What's missing? Something Native!

Especially from Google, that has PicasaWeb, I would have expected something like the Flickr app. Between Google+, PicasaWeb, Google Docs, Blogger, and the upcoming GDrive they offer at least four ways to store and share your photos. But the mobile experience is horrid (PicasaWeb synchronization is either all or nothing, Google+ auto-uploading is unreliable, third-parties filling the gap aren't really an integrated solution).

And Apple too, known for their outstanding media software, should be leading the way rather than leaving the way for others to build a billion-dollar enterprise!

In conclusion

After trying all the aforementioned apps on my phone, a few more in an emulator, and visiting a few web sites (but the apps didn't make the cut) I can say one thing for sure: there are a lot of choices!

My current, likely final, solution is using my built-in camera and embellishing the shots I want to share on Twitter (via TwitPic) using Aviary. The Aviary tools are very powerful, though typically I'll just crop and add a filter, if I need to there's a lot more I can do. And I'm really tempted to buy the Viewfinder effects.

The other thing I'm adding to my workflow, that I discovered while researching this article is QuickPic. This replaces the default gallery and makes working with the photos (and videos) on my photo much easier, including opening them in Aviary and sharing them.

Happy snapping!

Cross-posted on 2FatDads

This house is getting a cellular antenna

2012-04-12T07:48:00.001-04:00

This house is getting a cellular antenna, originally uploaded by schultzter.

This house is getting a cellular antenna

Sleeping kitty

2012-04-11T00:32:00.001-04:00

Sleeping kitty, originally uploaded by schultzter.

Sleeping kitty

Instagram for Android is here

2012-04-09T09:00:00.000-04:00

We've all seen the cool retro pictures on Twitter (and elsewhere) generated by Instragram. And it's fun to play with the filters when sharing some nonsense on Twitter, and seeing the effect immediately appear on the screen. There are other apps that do this but Instagram definitely makes it quick and fun to do.

So far my only annoyance is not being able to set a default or favourite effect as a starting point.

In fact, Instagram has worked really well. It definitely appears they've taken the Android platform to heart. There haven even been a number of fixes and improvements in the first week, which is very impressive.

It's been a week, I took a few pictures and published some of them. I definitely won't take the awesome camera on my Xperia (is it a phone with a built-in camera or a camera with a built-in phone?) and make the pictures look like I was still using my Xenon all the time. But for the stuff I typically share on Twitter this will probably be my go-to app, replacing TwitPic (though TwitPic's web interface has some value - it would be nice if we could see our history of Instagrams via a web interface, or if they were automagically tagged on Twitter).

Source: Instagram

Cross-posted on 2FatDads

Montreal Walk-in Clinic will text you when the doctor is ready to see you

2012-04-05T20:23:00.001-04:00

For years now the clinic I go to has been telling people when it will be their turn, and asking them to show up 30-minutes before. It works, it's free, and doesn't rely on any technology. There's never more than a half-dozen people in their small waiting area. And they've been able to use the extra space for professional services (that aren't covered by Healthcare).

But if even that's too long a wait for you, try calling 8-1-1, consulting your pharmacist, or going to a CLSC.

Just don't whine about lack of government funding and then whine about all the taxes we pay! Where do you think the government funding comes from!

Source: Montreal Gazette

Via: Mobile Syrup

Cross-posted on 2FatDads

Australian court finds Google guilty of misleading consumers

2012-04-04T10:30:00.000-04:00

You're kidding, right? Unfortunately, no! The problem is Google's Australian web site displayed advertisements (paid search results) for a competitor when you searched for Honda. In fact even today when you search for Honda you get paid advertisements for not only Honda but Hyundai too!

I mean, apart from the big pink box that says Ads, how far do we have to go? There are plenty of Dummies books available for people who want to learn more; and those who don't aren't going to no matter what we do.

Source: Reuters

Via: BGR

Cross-posted on 2FatDads

Corporate Greed is the Worst Public Relations at Yellow Pages

2012-04-03T12:46:00.001-04:00

You know those thick yellow books we all have at home, that are really useful for boosting up kids at the dining table when you run out of actual booster seats? Well, turns-out there was a time before tablets, smart phones, and the Internet when people actually marched their fingers through those books to find phone numbers of businesses! Really!!!

Yellow Media, the publisher of those books - the Yellow Pages as they were known, has run into some trouble lately. Much like RIM, who's market roared past them while they were busy gloating about how great they were, Yellow Media has also suffered from ignoring their market and assuming the old model was the only model. Not to say they haven't tried, sites like AutoTrader.ca was quite successful (which is why they were able to sell it when they needed cash) and RedFlagDeals.com is my go to site when comparison shopping.

But these web sites just don't provide the revenue to keep their print business afloat - I doubt any web site could ever produce the financial results that a traditional publishing business had. It's just too easy to publish on the Internet - any idiot can set up a Content Management System (CMS) and populate with stuff - business listings, forums, news, etc.. If they're serious they can get their own domain. And if they're really serious they can even host the service themselves!

The leaders and directors of Yellow Media missed this simple fact. They thought no one could assail they're lofty position as sole provider of phone numbers to North Americans. They missed the obvious fact the people's web browser home pages most point to Google or Bing with a convenient search bar at the top, where they can type in the name of a company; iPhone users can just ask Siri! Android users can just ask Google! (I'm sure Windows Phone users can do something similar too).

So what happens to you when the world rushes past your astute leadership and whacks you in the ass as it laps you? Well, if you're a director of Yellow Media you give yourself a raise - a 26% raise! Because all the patting yourself on the back is hard work and deserves some recognition! And in case anyone (like my, in this blog, in this post) points out the obvious, well, you back yourself up by spending another $300,000 to produce a report that says "look, all these other companies gave their directors big raises!" Of course you ignore that fact that your shortlist of companies are among the most successful in their industries!

I don't agree with the Occupy movement in any way, shape or form. But it's hard to not have sympathy when you see stuff like this!

BTW, don't use your iPad as a booster - even the new iPad with it's added thickness won't be sufficient!

Source: The Globe and Mail

Cross-posted on 2FatDads

Competition best for wireless industry? Maybe not

2012-03-29T10:00:00.000-04:00

So apparently the finally tally is we need competition, but not too much. Unfortunately Canada doesn't have enough, we're at least one national player too short. Not all our providers are studied in this report, and it pre-dates our new entrants arrival on the scene. But it does make a very good case for the need to add some competition to our telecommunications landscape.

It makes a lot of sense too. Lots of little players aren't going to to have the resources to execute a national strategy - neither to build-out and operate a network across all geographical markets, nor to deal with the regulatory and market issues across our country, nor negotiate with suppliers to offer a wide selection of reasonably priced devices.

And of course a couple behemoth's dividing the market and capturing enough money to satisfy their shareholders aren't going to go out on any limbs for their customers; or make any particularly risky business moves either. Just coast their way from annual report to annual report.

So who's our fourth national carrier going to be? Can Wind Mobile's Anthony Lacavera bring Moblicity and Public together under one name (without Public he won't have any spectrum in Quebec). Or perhaps Videotron can leverage their resources and pick-up spectrum outside of Quebec and become our newest national carrier?

Source: Effect of Regulatory Reform on the Efficiency of Mobile Telcommunications (PDF)

Via: The Globe and Mail

Cross-posted on 2FatDads

Happy 1st Birthday Go!

2012-03-28T17:30:00.000-04:00

Google's revolutionary new programming language Go has just hit a major milestone: version 1.0!!!

I know the computer science world doesn't really need another programming language. We've already got so many to choose from it's hard to find two programmers with overlapping skills. The only language that has really stood the test of time is C/C++. Granted Go didn't make it into the top-50 on Tiobe's March 2012 Index (neither did Google's other language, Dart) but considering these languages were already on the chart while in beta is important (Tiobe's index tracks languages that are actually used, they have to be more than a figment of someone's imagination).

The other thing to consider is that Go is a server-side language, there's no UI elements (no native at least, nor official). So now that Go is at version 1 and out of beta; and as the world of the cloud heats up where micro-clients on mobile phones and tablets hand the processing, data storage, and sharing to web services we'll probably see more and more demand for a language like Go. Currently any Windows, Linux, FreeBSD, or OS X system can run Go; as for PaaS support there's Google App Engine of course but we should see more PaaS support now.

So good luck to Google, and their Go language. Happy 1st birthday!!!

Source: The Go Programming Language Blog

Cross-posted on 2FatDads

Google’s Dropbox competitor will reportedly launch in April

2012-03-28T09:30:00.000-04:00

The famed, mysterious G-Drive is apparently finally coming to the internet! There have long been reports since 2006 that the G-Drive, used internally at Google as Platypus, was coming. It's hard to imagine that the initial, free, limit is 1 GB when services like Drop Box offer 2 GB and Sugar Sync offers 5 GB. Even Microsoft's Sky Drive offers 25 GB (at least through certain partners) so why would Google only offer 1 GB?

Still, I like the idea of Google offering a cloud storage service. Of course it will integrate Google's other services, like photos from Picasa Web, music, documents, books, and others. We'll probably even be able to send files directly from our GMail account; and of course share them via Google+ (if you're into that kind of thing).

And let's not forget the Android integration! Of course Google needs that to put something on the plate to compete with Microsoft's Sky Drive (on their Windows phones and tablets) and Apple's iCloud.

So let's line-up our files and get our internet connections ready, the uploading is about to begin!

Source: Boy Genius Report

Cross-posted on 2FatDads

Angry Birds Space needs a big screen

2012-03-27T10:30:00.000-04:00

I succumbed and installed Angry Birds Space. After seeing the promo by NASA it was hard to resist. Angry Birds is great time killer for when the day is done and my brain is on vege-mode.

But the latest addition to the franchise is a bit hard on the eyes on my little (um, well, 4.3 inch) screen. It definitely looks like it was made with tablets in mind. There's so much going on the screen, and there's a lot more movement in this game. It's no longer just up and down, the birds are zipping around planets and swinging back in the same direction they came from.

I don't know if Rovio has admitted this one was made for tablets, but it definitely feels like that's where it would be best played.

Cross-posted on 2FatDads

Why I Quit Facebook

2012-03-26T09:30:00.000-04:00

Twitter is awsome! 140 characters then STFU!!! I only follow people I know so even if I only check it on the train twice a day I'm still not scrolling more than a couple pages to catch-up. And it only takes a few seconds to read each tweet. If there's something really interesting I can star it and come back to it later.

For companies, blogs, etc. there's RSS feeds in Google Reader.

It's nice to have that separation. I know I can flush my backlog in Reader without missing something a friend says. And I know my Twitter is a quick catch-up on my friends without any corporate-ad-crap interlaced.

If I could do that with Facebook - and they had had a bit more respect for my privacy - I would still be active there. But I can't. So I'm not.

Source: Young & Thrifty

Cross-posted on 2FatDads

When Office Technology Overwhelms, Get Organized

2012-03-23T10:30:00.000-04:00

David Allen's book on productivity, Getting Things Done: The Art of Stress-Free Productivity (or GTD to his followers) was the second book on productivity I read, but the one that made the most impact. It has a simple philosophy that is broad enough to apply everywhere and straight-forward. I have to admit I've fallen off the wagon somewhat lately: I'm having trouble integrating some of the tools I have at work and some of the things I do as a Dad into a nice and simple workflow. But the advice David has is just as valid today as the first time I read his book. So, how do you Get Things Done?!

Source: New York Times

Cross-posted on 2FatDads

Sony making it easier for developers to build custom ROMs for Xperia S

2012-03-22T11:30:00.000-04:00

This is exactly what I expected from Android when it was first announced, before it was released, and then we saw what the manufacturers were doing and where the carriers were taking it. The device should be just hardware, you added some drivers to the OS provided by Google (or Cyanogen or MIUI or ...) and away you go! Of course there would always be an official version but us geeks expect to tweak and modify our phones. Finally, and rather ironically, Sony is stepping up and giving us that ability. It's not the first time Sony is more accommodating than others to the third-parties (they unlocked their boot-loaders before anyone else; and have worked with the CyanogenMod team) and lets hope the results encourage them to keep it up.

I have to admit I'm surprised Sony hasn't flexed some of it's retail muscle more than the other manufacturers. Perhaps now that Ericsson is out of the picture they will be able to. After all, Sony is the only one other than Apple that has such an extensive and well developed retail network. They really don't need to rely on the carriers to promote or distribute their products, so why should they worry about what the carriers want - they should just sell their phones like they sell all their other electronics, through their retail channels.

Source: Sony

Via: Mobile Syrup

Cross-posted on 2FatDads

FAA Reviewing Policy on Electronic Gadgets

2012-03-20T10:30:00.000-04:00

So they're finally going to considering letting us do what plenty of people already do: get in one last e-mail as the plane accelerates down the runway! How many times have you been getting on to a flight and seen the people around you tapping away on their Blackberry? I was always told they have that rule so you pay attention to the safety instructions (those emergency procedure pamphlets could use an update too - they look like they all came from a de Havilland Comet).

The problem is the requirement to test every version of every device! And the FAA expects airlines and device manufacturers to cooperate; and those that don't will be on the no-fly list! But do you really think they're going to issue stewardesses with a field guide to identify tested and un-tested devices?! What if an Asus Transformer is certified, but a Transformer Prime isn't?! Or the original and iPad 2 are certified but the new iPad isn't?! Good luck with that?! And the manufacturers know that, so they're not going to pay for all their devices certified - just enough that their brand is recognized as certified and hope that'll carry the rest of the models through. Unless the FAA plans on issuing certification stamps that have to be clearly visible on the back of the device (like child car seats are certified for airplane use).

Source: The New York Times

Via: Boy Genius Report

Cross-posted on 2FatDads

How Collaboration Drove Britannica Out of Print

2012-03-19T09:47:00.000-04:00

Wikipedia is definitely a shining example of how the voluntary collaboration between complete strangers, completely un-managed and un-coordinate can produce amazing results!!! There are plenty of other examples too, but Wikipedia is one we can all appreciate because we can all participate - there's some subject to which any of us can contribute. Many years ago I contributed to the Platform as a service article, any one else out there add their name to the wiki?!

Source: No Jitter

Cross-posted on 2FatDads