If you use services, such as check cashing or debit card loading, you can be subject to substantial charges and fees.

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In fact, the terms of service for developers in both leading app stores already restrict developers from loading information, such as an address book, without notification.

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Mobile vendors will continue with their so-called 'Swiss Army knife' approach, loading phones with extras such as cameras, music players, Bluetooth and, increasingly, mobile TV.

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Planes will taxi away from main airport facilities before loading precious cargo, such as art and jewels, which will take only a few minutes, according to the airport.

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Admittedly, these statistics may be influenced by the pre-loading of apps for services such as Facebook and Google Maps onto many phones.

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Ward is keeping Infosys, his largest holding, and loading up on other software shares, such as NIIT, which also operates a chain of software training centers, because India is tremendously competitive in the industry and is selling into an expanding market.

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But it is apparent, he said, that running on more rigid surfaces, such as asphalt or synthetic tracks, typically results in "more loading on the joints" and a greater likelihood of injury.

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To make matters worse, plans are increasing their high risk bets by loading up on hard-to-value assets, such as private equity and hedge funds, in a desperate attempt to close their funding gaps.

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Faster rotation translates into less time loading programs, but it will offer the biggest boost to applications such as word processors and spreadsheets that frequently access multiple files on the hard drive, says IBM's Walling.

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