How will Google, Apple shake up car insurance industry?

Car insurance industry, meet potential disrupters Google and Apple. The prospect of smartphones becoming the central nervous system of usage-based insurance could disrupt the property and casualty industry, which historically has gathered its own loss data and kept that information in-house.
 
How can a young person new to the workforce be convinced that setting some earnings aside is worth whatever pleasure they might otherwise gain from indulging in poor spending habits -- spending money on just stuff?  
 
Dan Honda/Staff
Customers will soon flock to shopping malls to exchange or return less-than-ideal presents. Retailers generally try to accommodate their wishes, or provide store credit. But it's not always easy.
 
 
NEW YORK (AP) -- Christmas came on time this year for most people. After FedEx and UPS failed to deliver some presents in time for Christmas last year, the two package carriers improved their performance this holiday season.  
 
Relaxed limits on what licensed U.S. travelers can bring home from Cuba mean that Americans will be able to enjoy small quantities of the liquor at home. But, with the embargo still in place, the rum won't be flooding bars or the market.
 
 
Dan Honda/Staff
Customers will soon flock to shopping malls to exchange or return less-than-ideal presents. Retailers generally try to accommodate their wishes, or provide store credit. But it's not always easy.