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Dan Hassenplug's monthly expenses used to include around $300 for lunch and three or four books bought from Amazon.com. Now he's plugged into a new breed of social network that helps him manage his finances. "When you see a graph that says you averaged $10 a day for lunch -- about $300 for the month -- well, that's a lot of money," said the 24-year-old design manager from Geneva, Ill.

Target, facing slower sales and rising delinquencies in its credit card business, said Thursday it is further tightening terms for its card holders -- even those with good standing -- and is being more aggressive in collection activity. Executives told analysts it was lowering credit card limits for customers in high-risk areas.

On Friday morning, I gave 3G wireless another chance. Maybe it was looking a gift horse in the mouth. Faster is better, and we should be grateful companies are continuing to invest in the networks we all rely upon. But after all the hype and anticipation, third-generation wireless infrastructure has been underwhelming, in my experience

How closely will competitors follow in this latest digital home pursuit?

Spending a couple million dollars doesn't guarantee commercial success.