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Archive for January 2011

Jan/11

16

The novelty of touch screens

The iPad, note home button at botton of screen (image from Apple)

There are rumors that the upcoming versions of the Apple iPad and iPhone will rid themselves of one of their few physical buttons: the home button.  See, e.g., The L.A. Times.  The home button was a button located at the bottom of the iPad and iPhone that a user could press to exit out of whatever application that user was in to return to the home screen.  It was sort of like a no-questions-asked, get-me-out-of-here kind of switch that you could press when you needed to, say, check your email or make a phone call.  Analysts have suggested that the home button’s functions will be replaced by a variety of “multi-touch” gestures, which will allow a user to swipe a certain number of fingers across the iPhone or iPad’s screen to return to the home screen, or to switch applications.

Apple’s rumored decision to get rid of this physical button on the iPad and iPhone is not an isolated choice, either by Apple or by other manufacturers.  Apple has eliminated physical buttons for controlling music playback on the most recent version of the iPod Nano.  Motorola’s much-hyped new tablet PC, the Motorola Xoom, has no physical buttons.  But Apple’s rumored decision underscores this movement.

The Motorola Xoom (image from cnet)

While touchscreen interfaces can be extremely useful, and should certainly be featured in devices such as tablet computers and cell phones, I think that the designers of these products must be careful not to forget the utility of physical buttons.  In some situations, the absence of a physical button is not a big deal.  Losing a physical button to change from one song to another on an mp3 player is not really a problem when you can more easily select the songs via a touchscreen interface.

On the other hand, there are some situations where I think that manufacturers get rid of physical buttons in a gimmicky way that takes away more from the product than it adds.  Take, for example, the iPod Nano.  The iPod nano now has no physical buttons for controlling music playback; rather, it is controlled via a touchscreen interface.  Apple markets the Nano as a device that runners will use to listen to music on while they run.  However, if you want to change a song while you run, or pause your iPod, there are no physical buttons that you can quickly tap.  Rather, you need to press a button on the touch screen, which will almost always require looking at the screen and pressing the button.  With a tiny screen, if you are running at a reasonable pace, you are likely going to have to slow down or stop to see what you are doing.  The iPod Nano also has a feature that allows the user to draw “gestures” on the screen to change to different features on the iPod, such as changing from viewing artists to viewing album titles.  Unfortunately, this means that if you are running, and you are trying to press the button to “pause” the music, you might accidentally send yourself into some other screen you don’t want to be in, making it even harder to pause the song you’re listening to.

The iPod Nano (image from Apple)

Another example of poor use of touchscreen-like technology is the Garmin Forerunner 405.  The Forerunner 405 is a GPS running watch.  The 405 is one of a series of Forerunner watch models that records distance and pace run.  However, unlike most of the Forerunner models, many of the Forerunner 405’s in-run controls are accessible not by physical buttons, but by a touchscreen bezel that surrounds the face of watch.  The bezel is like the earlier models of the iPod; you run your finger along it to highlight different options, and then press a physical button to choose the option.  While using a bezel is fine for sitting around on the couch, it’s a pain in the butt to do while you run.  Additionally, some have reported that the Forerunner 405’s bezel does not react well to sweat.  And, well, sweat and running go together like cherries and cherry pie.

The Garmin Forerunner 405 (image from Garmin)

The iPod Nano and the Garmin Forerunner 405 are two examples of where touchscreen and touchscreen-like technology can become a bit gimmicky instead of useful.  To an extent, I see designers thinking of how many “features” they can list on a bullet-point list of product features, as opposed to actually considering what their product is going to be used for, and which features will aid that use.

Will the loss of the home button on the iPad and iPhone be a net gain?  It’s hard to say.  I think that, on the plus side, getting rid of the home button will decrease wasted space on the iPhone and iPad, allowing the screen to cover nearly the entire front of the device.   This could either mean a larger screen or a smaller device.  On the other hand, the loss of the home button takes away a user’s no-questions-asked, get-me-out-of-here button.  If an application slows to a crawl due to a system bug or crash, thus slowing the entire operating system, a user cannot simply press the home button and know that the “quit” command has been transmitted to the operating system.  Instead, the user will have to rely on gestures that he or she will need to draw on the screen, and may not be registered if the device is lethargic and unresponsive.  Moreover, users with little experience at using the operating system will have no button to fall back on when they cannot remember how to do the gesture they need to return to the home screen.  Additionally, if Apple really wants to implement gestures that can allow users to switch applications or return to the home screen without pressing any buttons, Apple can do so while still leaving the home screen button as a “last resort.”

In sum, if Apple is indeed ridding the iPad and iPhone of the home screen button, that choice underscores a trend of many electronics-makers to move toward touch screen interfaces.  While Apple’s rumored choice may turn out to be a net positive, it also could be yet another example of an electronics designer swapping physical buttons for touchscreens as a gimmick.  We’ll see what happens.

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Jan/11

10

Credit Cards and Ethics

After writing that consumers shouldn’t use credit cards as a substitute for self control in my last post, I realized that there are legitimate reasons why one might not want to use a credit card.

For example, every time you use a credit card, unlike a debit card, it costs the merchant you are purchasing from an “interchange fee.”  These interchange fees can add up for the merchant over time.  In fact, credit card issuers were recently hit with an antitrust suit by the DoJ which might change the way these interchange fees work.

Because of these interchange fees, one might want to support a particular merchant by purchasing from them using cash or a debit card to save them money.  One also might feel morally opposed to charging merchants extra for providing the same service to you.  I think these are legitimate reasons to avoid using a credit card.

There are other, legitimate reasons to choose not to use a credit card.  The above is just an example.

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I’ve been a long time listener to NPR’s Marketplace Money.  In general, I think that MM offers good financial advice.  However, one piece of financial advice that they’ve been offering a lot lately has irked me a bit.  Specifically, they have advocated that people stop using credit cards to pay for things, and to use cash or debit cards instead.  The rationale behind this advice is that using a debit card or cash prevents someone from taking advantage of a high credit limit to spend recklessly.

While I agree that getting rid of a credit card makes it harder to spend a ton of money, as opposed to paying with cash or a debit card, I think that the effect is overrated.  Holding a credit card doesn’t magically transform any individual into a crazed lunatic that must exercise every cent of spending power they have available.  Conversely, cutting up one’s credit cards does not magically transform a spendthrift into a saver.  You don’t need to have a credit card to overspend – one can spend too much with a debit card or with cash.  While it can be a really bad idea to spend more money than you have by overusing your credit limit, it is also a really bad idea to spend all the money you have by constantly emptying your account at the ATM.

The suggestion that people should cut up their credit cards also ignores the benefits that come from holding and using a credit card.  Credit cards help consumers build credit.  If you go through your life without holding a credit card and regularly paying off its bill, all else equal, you’re going to have worse credit than your neighbor who does this.  That means your neighbor will be able to get better loan rates than you, which means your neighbor will effectively be able to buy a house or car for less money than you.  When my wife and I went to buy a car last summer (before we were married), we had to use her credit as the basis for the car loan.  While we had very similar credit histories (student loans, credit cards, etcetera), she had held a credit card for a couple years longer than I had, and had built a stronger credit history as a result.  That meant we could get 0% financing for three years on our car loan, as opposed to paying hundreds of dollars in interest over the course of three years.

Credit cards also offer better purchase protection than debit cards.  While credit cards and debit cards protect their users from liability from fraudulent purchases by people who steal their card numbers, the main difference between having your credit card and debit card stolen is what happens while the bank undertakes an investigation to determine whether the charges are actually fraudulent.  If you have a credit card, the charges aren’t missing from your bank account for weeks while you wait to find out whether the bank thinks the charges are fraudulent.  If you have a debit card, the money is missing from your bank account until your bank determines the charges were fraudulent and reimburses you.  If $10,000 is missing, that might be a real inconvenience to you that you would not be missing if you had used a credit card.

Credit cards also offer many cash benefits that debit cards do not.  Many credit cards offer cash back or travel rewards.  By using a credit card for our everyday purchases, my wife and I receive a few hundred dollars per year in cash back.  We don’t have to do anything to receive the money.  We don’t have to pay any annual fees for our cards, either.

In conclusion, I think it’s better to tell consumers to exercise self control than to tell them to cut up their credit cards.  It’s still possible—and not that difficult—to overspend using debit cards and cash.  Additionally, responsible consumers without credit cards are putting themselves at a disadvantage to responsible consumers with credit cards.

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