I was going through techCrunch blog and I found this article interesting Mozilla Discusses Firefox 3 and Microsoft’s Public Embrace of Open Standards?

In the history of internet browser, Netscape came out first and then Microsoft but Microsoft figured it out to do same thing what Netscape have done. Microsoft even came out with better browser and cheaper. Having a browser of its own meant nothing without marketing, though. Microsoft‘s first move was to make Explorer freely available to anyone, unlike Netscape, which still charged a modest sum for the use of its browser. Then came Firefox which is a free, fast open-source, multi-platform, extensible Web browser developed by the Mozilla Foundation. It has excellent support for Web standards, using the Gecko rendering (or layout) engine.

Now Firefox and Internet Explorer are the two main competitor. Firefox 2.0 and Internet Explorer 7 begin their battle for the hearts and minds of the Web browsing public. There is like nose-to-nose competition and neither is going to give an inch while there are a few other contenders went out fromthe competition. Check this out for Browser Wars: The Saga Continues.

Nowadays, most of the PC users are Internet Explorer base but Firefox also getting popular day by day. There is a big number of fan of Firefox, around 160 million people who now use the Firefox. That’s big number of people and Microsoft must have noticed that. Most interestingly, it is relatively small company compare to Microsoft where 150 people puts out more elegant web browser than Microsoft. For instance, there’s still no IE support of next-generation Java script.

This figure illustrates that that Firefox users are more likely to be better-educated or are seeking to be better educated. Specifically, a far greater proportion of Firefox users than Internet Explorer users visited sites in the education category (78 percent vs. 56 percent), sites that sell books (60 percent vs. 34 percent), as well as sites in the directories/resources (reference) category (70 percent vs. 46 percent).

Recently CEO of Firefox John Lilly invited a group of bloggers to company’s Mountain view. Firefox 3, which has been in development for three years
and has been slated for release in the first half of this year in June or sooner. Firefox also working on Firefox Beta 4 and Beta 5. Firefox 3 is meant to carry forward the motto of keeping the internet “open and participatory”. It will support 50 languages, unlike IE7, which was released with support for only one. About 50% of the extensions developed for Firefox currently work with Firefox 3, with further compatibility expected to accelerate in May.

In addition, Firefox included more security such as new anti-malware techniques which will prevent users from visitors sites that might infect their computers with malicious programs. That’s why I think Firefox has come out of nowhere and taken 17 to 28 percent of market share and increasing day by day. Based on that analysis I think Microsoft should worried about Firefox 3. What you guys think?



Social Network Facebook is now even more serious on user’s privacy matter. Most importantly is their latest privacy control where Facebook users now able to control their profile whatever they want to visible to their friend list.

Last Wednesday, Facebook has released different types of privacy controls for their users and received significant amount of positive responds. Now users can create their profile in such a way where friends can view specific details in their own profile by using new privacy settings. On the other hand, users can keep their specific information by locking profile to their friends, friends of friends, or even particular individuals.

Matt Cohler, vice president for product management at Facebook, said it was seeking to evolve beyond the simple privacy controls originally aimed at relatively homogenous groups of college-age users. He also said,

“We have a lot more users, a lot more types of users, a lot more relationships; we have a lot more types of relationships”

However, the use of Facebook is growing very rapidly over the past year and a half. Two-thirds of its users are outside the United States, compared with about 10 percent 18 months ago, when most members were student age and in the United States. Facebook users now can select other types of strangers to view their profile. Facebook has designed privacy controls for college/university students where a university graduate student can create their profile just for other graduate students which just allow graduate students to view or access their profiles, along with staff and professors are not able to view their profiles.

But given the previous example, I was just wondering will it be work perfectly if a professor log in Facebook , and change his or her own status to an undergrad student. Suppose if someone change his/her status at university from professor/alumni to a graduate student. I think Facebook system will not restrict it to do this because Facebook does not have any verifying tools for that.

Finally, there is no doubt that it is a security flaw in Facebook’s according to the new privacy control policies. So I think it is not enough yet and too much to fix up in privacy matter. Especially, Facebook must focus on status control system. They should work on it to verified user’s status otherwise a graduate student will easily become a professor or a professor easily can change their status to a grad student.


I was reading TechCrunch and I came with this article “Fynanz: How Student Spell Peer-to-peer Loans”. What is a student peer to peer loan? Student Peer to Peer loan (peer to peer lending) is a way to borrow and lend money using the internet as the marketplace between person to person. The idea is similar to ebay for loans. Check this out for more about on peer to peer loan.

The peer to peer (p2p) lending continues getting better day by day in the world. Fynanz is launched on last Monday and it is the latest among of them which is devoted solely to P2P student loans. Fynanz is an innovative marketplace and its offers student loans with the lowest interest rate on private student loans. Most of the lenders are individual such as family, friends, alumni and others who believe that “Education is the Best Investment”.

CEO of Fynanz Chirag Chaman (former banker) initially has invested $500,000 and said that:

We looked at 15 years worth of data to create an underwriting model specific to student loans. We now what are the factors that reduce default rates. I was doing structured loans at Citibank.

You can think of it as securitization for the masses, but I am removing investment banks from the process.

How does it work?


  • First of all, students have to sign in.
  • State the details of their loan (how much they need, desired interest rate, desired payment term, etc)
  • Fynanz then rates each potential borrower based on credit history and information gleaned from historical student loan records.

Right now it is only available for resident of Florida and New York. But that will expand to the entire country later this year and anyone can become a lender. Check this out for more about on Fynanz “an interviewed of Fynance CEO, Chirag Chaman about Fynanz”.

I think student p2p lending is a very good idea which will give the opportunity to the middle-class students to fund themselves to study in a private university even in an expensive university. This idea may come out as a solution to the ever increasing number of the successful students. Then the student may be able to stop depending on government student loan. Other advantages could be avoid banks and other middleman, anonymous transaction, a whole new asset class, optional rates and loan amount, lower interest rates for borrowers, higher returns for lenders, faster and easier process, increased transparency and control, and satisfaction.

On the other hand, peoples want to supports students but they always worried about will student be able to repay to them. People scared to lend their hard-earned money because of huge risk involvement. Interest rate could be another issue for the businesses like Fynanz, Prosper, Zopa, Kiva, Lending Club, Loanio . Because of now interest rate on student loans is tend to be very low which will give them tough time to attract students. Also for traditional student loans borrowers have the option to defer payments. But many investors don’t allow delaying payments or they might charge high interest rate.



Three digital business models are that could change the online world of advertising. A three digital scheme is essentially free to do whatever it wants. It can charge prices to one side and the other side in whichever proportion, whichever ratio it estimates fit. Three possibility digital models are Advertiser-Supported Advertising, Advertiser-Subsidized Devices, and Just-in-Time Advertising. I think these three digital business models will take hold over the next four to five years.

I like the idea of Advertiser-Supported Advertising. If we look at online industry, it’s been already existed. Most of the companies are increasingly launching their own content platforms. For an example Budweiser, they have launched BudTV. I think till now the most effective Advertise-supported advertising is Google’sAd by Google”.

In addition, is consumer loves advertising? MSN ad shows the relationship between the advertiser and the consumer:

This ad is very nicely done all around with a solid script and casting. This video not only just talked about advertising executives but also shows wider audiences of marketing manager. I think in this video shows on three thing such as support, complain, and to offer suggestion or express thankfulness. At the end, it is an indication that consumers are becoming more demanding.

Customers are very intense in competitive business environment. A customer has always options to switch to competitors that offer lower prices or better offers to gain market share. Check this article details on how to attract and keep customer: IBM New Digital Media Solutions Answer Challenge to Attract Customers, Increase Sales. I think every business have to be creative (i.e, R&D department) and come out something new and attractive to keep customer. So to survive such in competitive environment, a company has to come out with a tangible difference to its customers. Now days most of the organizations are accomplish their goal by introducing information and software technology (STR) at the center of their creative process.

Finally, is “free” a business model or a tactic? Josh Kopelman of Redeye VC notes the penny gap. Fred Wilson has written on In Defense of Free in 2005: “free is a great way to make money. You just have to know how you are going to get paid for being free.” The fundamental idea of every business has always remained same: create something of value for people who will pay for it. So there is nothing free it’s just a business tactic. Free business model depend on additional services beyond the core offering. If we look at the Last.fm, it’s actually encouraging for paid subscribers with better internet radio. Same idea goes with Skype where internet calls are free but you have to pay for landline connection. Now the best way to generate money is Web 2.0 economy.

So, after the internet evolution, do you think “free” is still a business model?


Google map + Cell phone photos + Dumpster diving = Awesome

Last night I was reading TeachCrunch blog and I found this article interesting Google Gears Goes Mobile. This article has talked about Google’s various tools and techniques, but I feel interested about Google Map in handsets and I decided to bring it here.

Recently Google has introduced version 2.0 (v2.0) of Google Maps for cell phones. This mobile mapping and local search is a beta version of Google “My Locations”. It is a device with GPS built and a new feature which uses data from cell phone towards to provide an approximation of your location on a Goolge Map. But it does not work for every cell phone unfortunately.

Which phones does Google Maps support?

Google Maps works with the following devices:

Visit here for How do you start using Google Maps once I’ve installed it onto my phone?

Another one: Take the power of Google Maps with you on your mobile phone.

Is it free?

Google is providing free of cost for Maps for cell phones. It is free of cost if you have Windows Mobile and then just visit the site and download the CAB file. But you have to pay the costs of contract net. So to make sure you have to contact with cell phone provider about your plan and monthly fees.

Does Goolge Map work everywhere?

Currently Goolge Map for cell phones is available for just over 20 countries. They are still working on to spread it all over the world.

I think it is really cool and easy to install. It is a great innovation from Google and so much better than map search function anyone have it before. In overall, Goolge Map for mobile is a pretty efficient program, it’s free and very simple to use/settings and there is no reason you should not have it on your phone.

Mac Or Pc

March 5, 2008