Make Your Money Work for You,here is card back app review

Here we have reviewed cardback app.we have found some different aspects about this,as technology is changing rapidly.You know that your credit and debit cards include all sorts of loyalty programs and special discounts when you shop at select stores or restaurants. But did you actually read through those documents that come from the bank, to figure out where the best deals are? And even if you did that, unless you go out specially to take advantage of a scheme, will you remember all the deals the next time you go shopping?
If you carry two or three cards in your wallet then do you know which one you should be using when you're making a purchase? Or do you just pull out the same card every time because it's simpler? Cardback, by Delhi based Orangut Labs, wants to make it easier to maximise the benefits of your cards.



















Just check the app before making a purchase, and it will recommend the best card to use. It shows you the reward you're getting, and you can compare this with the rewards you'll get for using your other cards as well. Cardback is not involved in the transactions in any way - you feed in the information about the purchase, and it just goes through your list of cards to find the one with the best deals available. This doesn't require any information about your card either, so there's no safety concern.
Instead, you just add cards by selecting the bank and the card type and then Cardback checks what deals the banks are offering for these particular cards, to see what will give you the biggest reward.
Currently, the app has retailer information for Delhi-NCR, Mumbai, and Bengaluru. It has support for over 600 different cards, which includes credit, debit, prepaid and royalty cards across 10 major banks and providers. It also supports Paytm mobile wallets. Since the app doesn't take any information from you other than the name of the bank and the type of card you're using, it is also safe to use.
The interface is clutter free - there are three subheads you can tap on, which are all neatly designed. These are Explorer (to find deals in nearby shops by category), Smartpay (to check a payment), and Cardholder (where you can add your cards).
On the Smart Pay screen, you just enter the amount you wish to spend, and then enter the name of the merchant. It will search nearby merchants and show you a drop down list to tap on. Then, click done and it will display the best card, and the offer available on it. You can tap on the button under this to see the rewards on your other cards as well.
Over the course of a few days, we used the app to check before making payments to Foodpanda, at Big Bazaar, and at a petrol pump. Only the first payment was online, and that's where the app was most convenient to use. That's because it takes a little time to start up, and if you're holding up a queue in a petrol pump while you decide which card to use for a payment, then Cardback is too slow to use. In real world situations, you should figure out the card to use before you get in line to pay.
In the Explorer section you can select between nine categories including dining, fuel, utility bills and you'll see a list of nearby merchants, along with the best card and offer available. In the Cardholder section, you can add cards or see the savings you've built up on each card since you started using the app. The app can also send notifications based on your location information with information on the offers running nearby, and the best card to use for them.
While the app's design is simple and easy to follow for the most part, the Explorer screen starts the categories grid right under the subheads, covering up the top three icons for eating out, shopping and travel. The rest of the design doesn't have any issues.
There are a couple of issues with the way the app works as well. For one thing, it requires a huge number of permissions - the reasons for these are all explained and are understandable, but it is still something we are not entirely comfortable with. A few more manual inputs, instead of the automatic convenience on offer, might have been worth it for less permissions. The other issue is stability. While the app usually worked, it would hang and crash every now and then, and coupled with the long boot time of the app, this was a major inconvenience.
These caveats aside, we liked Cardback. The design is appealing, and the app is intuitive. The problem it solves isn't a huge one, but if you can save a little money by using a free app, then why not?
Cardback is free, and available on iOS, Android and Windows Phone

It Seems, Water Is Everywhere in Solar System

As far we had found that there are very few places in our solar system where water exists.but now these days latest study shows that everywhere in our solar system water exist and it could be in huge amount.Oceans trapped under ice appear to be pretty common in the solar system and one of them, on a small moon of Saturn's, appears to be quite hot.
This week in the journal Nature, an international team of scientists reported evidence for hydrothermal vents on the Saturnian moon Enchiladas, with temperatures of its rocky core surpassing 194 degrees Fahrenheit (90 degrees Celsius) in spots. The discovery, if confirmed, would make Enchiladas the only place other than Earth where such chemical reactions between rock and heated water are known to be occurring today - and for many scientists, it would make Enchiladas a most promising place to look for life.

"The most surprising part is the high temperature," said Hsiang-Wen Hsu, a scientist at the University of Colorado's Laboratory for Atmospheric and Space Physics and lead author of the paper. "But that's the number we could derive."
Meanwhile, in a paper published Thursday in The Journal of Geophysical Research: Space Physics, another team reported signs of another under-ice ocean, on Ganymede, the largest of Jupiter's moons. Scientists are already convinced that there is a large ocean, also covered by ice, on another Jovian moon, Europa. Nasa Galileo spacecraft had also found hints of hidden water on Ganymede and on another of Jupiter's moons, Callisto.

The new research, using the Hubble Space Telescope, fits with the earlier hints. "This is now stronger evidence for an ocean," said Joachim Saur, a professor of geophysics at the University of Cologne in Germany and the lead author of the Ganymede paper.
"Surprising is the understatement," Christopher P. McKay, a planetary scientist at the Nasa Ames Research Center in Mountain View, California, said of the multitude of watery moons.
"After spending so many years going after Mars, which is so dry and so bereft of organics and so just plain dead, it's wonderful to go to the outer solar system and find water, water everywhere," said McKay, who studies the possibility of life on alien worlds. He was not involved in either of the papers.
For the Enceladus findings, Hsu and his colleagues based their conclusions on minuscule dust particles that Nasa's Cassini spacecraft encountered as it approached Saturn and after it entered orbit. Instruments on Cassini determined that the particles, less than a millionth of an inch in diameter, were high in silicon but had little or no metals like sodium or magnesium. Hsu said the dust was probably silica, a molecule of one silicon and two oxygen atoms, the building block of the mineral quartz.
The researchers were also able to trace the dust to Saturn's E Ring, and the material in the E Ring originates from Enceladus, from plumes that emanate near the moon's south pole. "That's the circumstantial part of the work," Hsu acknowledged.
They performed laboratory experiments to see which conditions could produce the silica particles. The result was alkaline water, with a pH of 8.5 to 10.5, heated to at least 194 degrees. The results fit in with findings last year by other scientists who suggested that Enceladus concealed not just pockets of water but a sea at least as large as Lake Superior.
The mystery is how the interior of Enceladus, just 313 miles wide, grows that hot. A moon that small probably does not have enough radioactive elements at its core to provide continued warmth. A chemical reaction between water and rock called serpentinization could also provide some heat, but the primary mechanism is probably the tidal forces that Saturn exerts on Enceladus.
"The amount of energy being dissipated currently, as well as the location of heating, is not well understood," said Terry A. Hurford, a scientist at Nasa's Goddard Space Flight Center in Maryland. "So it is possible that heating can bring water to those temperatures locally."
The earlier evidence for an ocean on Ganymede came from magnetic measurements during flybys by the Galileo probe, which suggested a conductive layer below the surface. Ice is not a good conductor. Saltwater is. But the readings could also be explained by oddities in Ganymede's magnetic field.
In the new research, the Hubble telescope scrutinized Ganymede for seven hours. It could not see below the surface, but it observed the shimmering lights of Ganymede's auroras. As Jupiter rotates, once every 10 hours, its changing magnetic field causes the auroras to sway. If Ganymede were frozen, computer simulations showed, its aurora would sway by 6 degrees. But the salts of an under-ice ocean would generate a counteracting magnetic field, and the auroras would sway by only 2 degrees.
The auroras swayed 2 degrees. "It was exactly like all our computer modeling and all our theory predicted," Saur said. "It was right on."
The scientists are now applying the approach to Io, a fiery world that certainly does not have an ocean of water. But it might have an underground ocean of magma that would similarly dampen the swaying of auroras. The technique could one day be used to explore planets around distant stars and see if they, too, might have oceans.
As a place for life, Ganymede is less promising, because the ocean looks to be sandwiched between layers of ice and not in contact with rock. By contrast, Enceladus appears to possess all of the necessary ingredients - heat, liquid water and organic molecules - and a future probe could analyze the water by simply flying through the plumes.

Pinterest Revamps 'Pin It' Button, Makes Bookmarking Faster

Since its launch five years ago, Pinterest has been a destination for dreaming about the future. But Pinterest wants to be much more than the place to discover clothes, vacations, articles and recipes. In a redesign of its “Pin It” browser button, rolled out on Thursday, the site cut the number of clicks required to pin items on desktops in half.
Pinterest product manager Cesar Isern said in an interview that the rollout is the biggest revamp to the Pin It button in years. Making a pin now requires two clicks on desktops, down from four, and it’s easier to create and find boards. The San Francisco-based firm raised $367 million earlier this year, giving the site a valuation of $11 billion. The change is part of a larger effort by Pinterest to make it easier to save content, and ultimately, go back to it.
“A small change like this definitely has a big effect,” said lead Pinterest product designer Albert Pereta in an interview. “Once you make pinning and saving faster, people start creating more boards, they start to follow more people, they get better content because it makes the whole process seamless.”

The social network won’t speak to speculation that the service might launch a buy button sometime this year, said spokesperson Malorie Lucich. However, the company has said repeatedly that it wants to make pins more actionable. Following that theme, last month, the social network made it possible to install iOS apps from Apple AAPL +0.85%’s App Store directly from Pinterest through a service called App Pins.
“At Pinterest, we are focusing more and more on bridging the gap between discovery, save and do,” said Isern. “What we are seeing is the reason people save that content is the motivation… to act upon that content.”
 

In December, eMarketer predicted that global web sales in 2015 would increase nearly 21% from 2014 to about $1.59 trillion, and there is little doubt that Pinterest wants to become a bigger e-commerce player. About 80% of all pinning currently occurs on mobile, but about half of original pinning is done on desktop, said Isern. To date, 50 billion Pins have been made on Pinterest, saved onto more than 1 billion boards, said Lucich.

The update to the Pin It button came out of Pinterest’s “Save” team, which it grew out of its 2014 acquisition of Icebergs, a visual organization startup. Later this month, Pinterest will probably deliver more “features and products” to enable action on the platform, said Isern.

What Happens When You Try to Fool Customers

If past years provide any indication, many companies will try to generate some buzz this April Fool’s Day with pranks, gags, and stunts.  But some companies actually try to fool customers all year long.  And unlike humorous, harmless, short-lived practical jokes, their actions can cause real damage.  They destroy customer trust, damage brand equity, and sometimes lead to costly legal battles.
Companies behaving badly
Take, for example, how airlines try to conceal how they’re shrinking seat sizes.  Many U.S. carriers have replaced old, bulky seats for “slimline” models, reduced the space between seats, and made aisles narrower.  Even the seats on Southwest’s 737s have thinner seatback magazine pockets and Alaska Airlines’ have slightly smaller tray tables.   Airlines have thought customers wouldn’t notice these changes because they’ve made video screens larger and installed new headrests, but anyone who’s been on a plane recently most certainly feels the squeeze and resents it.

Then there are consumer packaged goods brands that shrink their packaging but maintain their pricing.  A few years ago Consumer Reports found manufacturers downsizing packaging by as much as 20% but still charging the same price.  Haagen-Dazs ice cream “pints” shrank from 16 oz. to 14 oz. and Tropicana’s orange juice “gallons” from 64 oz. to 59 oz.  Companies often hide their size-reducing techniques, changing the dimension of a product’s depth while maintaining its height and width so it appears the same on the shelf, or indenting the bottom of containers, or filling bags with more air.  Customers may initially fall for the trick when buying a product (the “first moment of truth”) but end up disappointed when consuming it (the equally important second.)
Healthy-sounding claims is another sneaky corporate tactic.  Terms like “multi-grain,” “seven grain,” and “wheat” may make products sound healthy, but they may not actually contain heart-healthy whole grains.  “Farm-fresh” and “all-natural” are frequently used on egg containers to make them seem different or better, but they mean nothing.  Products, like Frito-Lay’s Tostitos and Fisher’s Nuts, that never had gluten in them have been marketed as “gluten-free.”  As more people become more educated about healthy eating, the less likely these foolish tactics will work.
Department stores are notorious for trying to fool people into thinking they’re getting a discount.  Using a high-low pricing strategy, they mark-up a product when they first bring it in to the store or during a high demand period so that the price tag reflects an inflated price.  Then they systematically use sales, discounts, and coupons to attract people’s attention and drive purchases.  They think people will compare the price to other items not on sale and buy it, without realizing that the “sale” price is merely a perception. But most customers are smarter than that.

And one positive outcome of Ron Johnson’s failed strategy at J.C. Penney was consumer education.  In a 2012 public presentation, he reported that the company was selling fewer than one out of every 500 items at full price. Customers were receiving an average discount of 60%, up from 38% ten years earlier — but they weren’t actually saving more. The average price paid by customers had stayed about the same; what changed was the initial price, which had increased by 33%.  It’s no wonder why customers, armed with this information thanks to the news coverage, were reluctant to return to J.C. Penney when it resumed its high-low pricing strategy.

Robots and Real-World Variability: When Change Happens, Adapt

How long did it take you to get to work today? Me? A 12 mile trip took about 45 minutes. My daughter’s bus was running a little late. My son forgot to pack his backpack last night – what a surprise. Construction workers had taken over my “secret” cut-through. And one of the elevators in my office building was out. Again.
Most days, barring a major accident, I get into the office about when I expect, plus or minus 10 minutes. Could I eliminate the variability in my commute time? Sure. Live at work. But most days, I find ways to navigate the obstacles in my path.
Like my daily commute, there is variation in manufacturing. Raw materials from suppliers may not be exactly the same from batch to batch. Multiple pieces of equipment making the same part are not identical. The performance characteristics of parts they produce vary over time. In manufacturing parlance, these are often called common cause variations. Simply put, the real world is full of variability.

Navigating the streets of Boston during rush hour

This ever-present variability challenges robots in manufacturing. For years, robots have required that everything around them be bolted down so that the environment in which they work is always controlled and exactly the same. Traditional robots can only pick a part from precisely the same place – every time. And put it back down, precisely in the same way, in the same place – every time. Any variation in the placement of the part or the path along which the robot moves the part and the robot simply stops working.
This inability to deal with variability is, in large part, the reason why as much as 90 percent of manufacturing tasks have not been automated. I recently visited a contract manufacturer in Guadalajara, Mexico, where except for the surface-mount technology machines, the equipment was on wheels. Spiders were going up and down the lines bringing parts and taking away assemblies. Production runs last only a few months or even a few weeks. The variability in these environments severely limits the practical application of traditional robots.

And for large-scale implementations of traditional robotics solutions, the inflexibility has significant implications on the ability of the manufacturer to recover the investment. I’ve walked through plants, where the plant manager can point out what product line a given piece of automation was created for and when the last time it produced anything was. One of the automation guys I know calls these “monuments” – they aren’t much more than historical infrastructure. He has a sign posted in his office, “No Monuments.”

No longer. A new breed of smart, collaborative robots are coming online that approach variability in a different way. Rather than assume a perfect world, which can come at the expense of flexibility and agility, these robots can accommodate the changes and normal fluctuations that exist in most modern manufacturing environments.

Advances in hardware and software are making it possible for robots to work seamlessly, cost-effectively and with little integration time, in semi-structured environments. These robots understand the context of the task being performed and possess the cognitive and mechanical abilities to deliver that task. Like their human counterparts, collaborative robots are trained to do a task rather than be programmed to move an object from point A to point B via path Y. When change in the environment inevitably occurs, focus remains on the task at hand and getting the job done.
In these environments, there are two dimensions for which the robot must be optimized. The first is time. Robots must be able synchronize motion and task with machines and people through signals or directly with sensors. It’s this ability that makes it possible for the robot to collaborate with people – who work at varying paces, who tackle things differently and who need a “colleague” able to accommodate the unpredictability and variability that people bring to the environment.
The second dimension is space. While parts are expected to be presented in an organized fashion, these robots are able to accommodate a few centimeters of variability in part placement and tolerate changes in general location.
Robots today are able to:

• Use embedded vision to dynamically monitor workspaces designed for humans and adapt to changes to the work cell, such as a bumped table or misaligned cart on wheels
• Alter robot motion path planning in real-time to accommodate unexpected obstacles, as demonstrated in the video below
• Use mechanical compliance to flex parts into position despite irregularities in pick and position placement without damaging the part, the fixture or the robot

These advances mark the beginning of a new era, where robots are able to move beyond assembling the same item for a long time and in volumes large enough to justify the high cost and semi-permanence of the infrastructure. These smarter and more capable robots are working in the real, imperfect and highly variable world and changing manufacturers’ mindsets about where and how automation can delivery real value.