5 Top Price-Compare Apps - SmartMoney.com

With fast-ending sales, stackable coupons and online-only discounts, in-store shoppers often have good reason to question whether the price they see is really the best deal out there. More are turning to a growing roster of price-comparison apps for an answer -- and getting mixed results.

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Nearly 40% of smartphone owners use their phones for in-store price comparisons, making it the top mobile shopping-related activity, according to Nielsen. And even those with regular cell phones run price checks: During the 2011 holiday shopping season, 19% of consumers used their phone to compare products or prices in store, up from 15% in 2010 and 3% in 2009, according to customer service research firm ForeSee. "It's such a great development for consumers," says Deborah Mitchell, executive director for the Center of Brand and Product Management at the University of Wisconsin-Madison.
Experts warn, however, that the apps may not always be so effective and some stores are determined to thwart them. "Retailers obviously don't like them," says Brad Spirrison, the managing editor for review site Appolicious. To keep customers from making an easy comparison, some now use store-specific barcodes that the apps can't scan, or negotiate with manufacturers for exclusive model numbers -- which means a fast search won't turn up any results.
Apps are also only as good as their underlying price-search engine, says Edgar Dworsky, the founder of ConsumerWorld.org. Some stores or sites may be excluded from results, and partner retailers may be given preference in the listings. The software may update pri! ces only sporadically or fail to include shipping, which can distort results, he says. And local search results are often limited to big-box retailers, with no mom-n-pop listings. "Maybe I'm being a little old-fashioned, but I tend to do my homework on a computer at home before I go to the store," he says. "That makes it easier to check a few sites for comparison."
Still, having a reliable price-comparison app or two on your phone can be a smart spot-check. Some stores may even be willing to match deals the apps find. Here are five the experts say are worth the download:

RedLaser

• iPhone, Android, Windows

One of the big names in mobile price checks, RedLaser lets shoppers scan barcodes or conduct manual searches by typing in a product's name, Spirrison says. Experts say it tends to read product barcodes more easily and accurately than other apps, which may cut down search time. Searches for a $200 Microsoft Xbox 360 4GB turned up an extensive 99 online results, including eBay auctions (eBay acquired the startup in 2010), and listed a few independent shops in local results, too. Cheapest prices: $144 on eBay, $190 at a nearby Dell store. Local results are sorted by proximity rather than price, however, so be prepared to scroll through to find the cheapest deals. A spokeswoman says the cheapest local price is noted at the top of overall search results, but it's worth looking through them all -- Toys R Us allows users to link through the app to reserve items for in-store pickup, and Best Buy will too at some point this spring.

Decide.com

• iPhone, Android

Not only will this free app find gadget prices online and nearby, it also notes whether there's a new model due out soon or other factors that could impact pricing. "It'll tell you whether you should buy the item now or wait," Dworsky says. A new 2012 model 42" Panasonic Viera, for example, gets a "buy" rati! ng, sinc e the site expects prices to hold steady. It found sets for $600 at a nearby Best Buy, and online as cheap as $470 at PCConnection.com. App users can scan barcodes or type in a product name to find items, and sign up for price-drop alerts if they decide to wait. But check the confidence rating on predictions about price changes -- Decide.com claims 77% turned out to be accurate on average. "It's a bit like the weather," says spokesman Michael Paulson. "But an 80% chance is still good buying information."

Google Shopper

• iPhone, Android

"One scan and it will show you all the places an item is available online, and near you," says Michelle Madhok, the founder of SheFinds.com. Shoppers can also hunt for a product by snapping a picture some items, or saying its name. A hunt for the game "The Elder Scrolls V: Skyrim" on PlayStation 3, regularly $60, turned up a new copy for as little as $36 online -- and a note that the seller didn't have any reliability rating. Local results were plentiful, too, although none were below sticker price. Google Shopper also integrates with other Google products, letting users get Google Maps directions to that local store or check the latest daily deals via Google Offers, she says. Local listings note availability, although Madhok says it's still a good idea to call and confirm. (Clicking on a store listing includes the option to call.) A Google spokeswoman says the feeds are updated on a regular basis.

Price Check by Amazon

• iPhone, Android

"As a consumer it pays to keep track of what Amazon is doing," says Mitchell. If there's a cheaper price online, they're often the site that has it, she says, so it's worthwhile to try the free price-check app, which lets users search by scanning a barcode, snapping a picture or saying or typing in the product name. (Users on other platforms, including BlackBerry and Windows, can try the ! Amazon M obile app, which offers the same price-checking capabilities, but requires an extra click or two to access them among other features in the app.) A $450 Dyson AM02 tower fan at Sears came up as cheap as $339 on the site. The catch with both Amazon apps, of course, is that they only check prices on Amazon. The company did not respond to requests for comment.

Consumer Reports Mobile Shopper

• iPhone, Android

At $5 for one-year access, Consumer Reports' offering is among the priciest price-compare apps. But users also get the group's expert ratings, reviews and buying advice, which cost $30 a year to see online, says Dworsky. Shoppers can scan a barcode, type in a product or look for top picks by category. Searches for a "best buy"-rated $60 Expert Finish steam iron, for example, turned up online prices as cheap as $49 at TechLoops.com, and also pointed to a local Best Buy that had it in stock. App users can also access brand reliability ratings for single-brand retailers like Gap or Cole Haan. Users can't access auto ratings, however, and complaints about the app on iTunes say some ratings aren't up-to-date. Spokesman Kevin McKean says the ratings are CR's latest, but because the nonprofit buys and tests everything itself, some categories may not have ratings for every item, or have them immediately.

This Medical Device Stock Could Double your Money

In today's uneven stock market, investors end up overlooking many appealing companies. And right now, they are particularly ignoring growth stocks. This usually happens when fears surface that the global economy could be heading into recession.
In times of economic stress, the health care sector is usually seen as a safe haven. But recently, many leaders in the industry have also been out of favor.

The passing of a historic health care bill in the United States last year has increased concerns that regulation will cut into profits of health care firms. Among those concerns: a 2.3% excise tax on medical-device sales, set to begin in 2013. This is obviously a negative aspect, but it isn't likely to adversely affect the inherent appeal of companies with leading devices, technologies and global growth platforms.
Add it all up, and I see a rare opportunity for investors to buy quality health care stocks.

Medical device firm St. Jude (NYSE: STJ), for instance, has such appeal. Besides a focus on growth, one of the company's main goals is to save and improve lives with its medical devices, which have become vital in the treatment of cardiac, neurologic and chronic-pain disorders. The company makes, for example, mechanical heart valves and implantable cardioverter defibrillators (ICDs), which detect cardiac arrhythmia and correct it by delivering shocks to the heart.
This wide range of technologically sophisticated devices is being widely adopted across the world, which has put the St. Jude on a remarkable growth trajectory. Last year, healthy sales of existing products, new product introductions and increased global reach resulted in a 10% sales growth to $5.2 billion, compared with $4.7 billion in the year before. In fact, 2010 marked the first time sales exceeded $5 billion. Earnings growth was even better, rising more than 20% to $2.75 per diluted share. In addition,! foreign sales -- which make up more than half of the company's total sales -- are growing in excess of 20% a year.
The company is also impressively profitable. Last year alone, it boasted a net profit margin of almost 18%. This represented the highest margin in the past five years, placing the company well ahead of rivals and the market in general. To put this into perspective, the health care industry as a whole has a net margin of roughly 6%, while the S&P500 average is only about 12%.
Growth expectations for all of 2011 speak to St. Jude's operating consistency. Analyst projections are currently calling for sales growth of 10% to $5.7 billion and $3.27 in earnings per share, a growth of nearly 20%. But these levels of annual increases are nothing new to existing shareholders. In the past five years, annual sales and profit growth have averaged 12% and 21.5%, respectively. The past decade is equally impressive, with annual sales growth of 16% and annual profit growth of 22%.
St. Jude also has a healthy new lineup of devices that will likely drive growth going forward. Included in the new product mix are neuromodulation devices that deliver small amounts of electricity to the nervous system to help treat chronic conditions such as Parkinson's disease and migraine headaches. Its management team estimates 18 new growth drivers should generate $18 billion in additional sales within the next five years.
In terms of archrivals, St. Jude competes against pure-play rivals such as Medtronic (NYSE: MDT) and Boston Scientific (NYSE: BSX). Medtronic boasts a market capitalization of nearly $36 billion, which is close to three times St Jude's market cap of $12.5 billion. But despite an equally impressive lineup of medical devices, its already substantial size is a barrier to double-digit growth. Boston Scientific has a current market cap of less than $9 billion, but has had obstacles to overcome, including the acquisition of Guidant back in 20! 06, whic h hamstrung it with too much debt, and manufacturing problems that continued well after the purchase was completed.

Best Stocks For 2012 - Are Flagstar Bancorp (FBC) & Pacific Sunwear of California (PSUN) Really Top Rebound Candidates?

A lot of small cap stocks are starting to perk up, but none look quite as inviting as Best Stocks For 2012 - Flagstar Bancorp, Inc. (NYSE:FBC) and Best Stocks For 2012 - Pacific Sunwear of California, Inc. (NASDAQ:PSUN) do right now. But, are these charts to be taken at face value? Though it's the perceived value of FBC and PSUN that should be guiding these charts, the fact is, it's the shape of the charts that may be guiding investors to a "half full" conclusion in the half-empty/half-full debate. Take a look.

For Pacific Sunwear of California, Inc., the rally's been underway since December, but didn't get really juicy until this week when PSUN moved above its 200-day moving average line (green) for the first time since early 2011. That being said, it's worth noting that (1) the buyers barely even flinched when the 200-day line was approached, and (2) the buying volume actually increased as PSUN was plowing through that key long-term average. As for the underlying reason though, a couple of quarters' worth of rising top line and shrinking losses may get a big chunk of the credit.

Yes, PSUN is still losing money. There's a light at the end of the tunnel though. The $905 million revenue the company has booked over the past four quarters stops the bleeding revenue trend, and odds are good that 2012's expected sales figure of $889.7 million is simply too low given the unfurling - even if slow-moving - improvement trend. The pros are still thinking Pacific Sunwear of California will 'only' lose $0.78 per share in 2012, but that's actually progress... and sometimes progress is enough to get a stock going again. That's what's happening here anyway, and speculators may want to jump on board this technical strength.

Just to put this bullish reversal from Pacific Sunwear, check out! this we ekly chart.

As for Best Stocks For 2012 - Flagstar Bancorp, Inc., this chart doesn't look as compelling with just a quick glance, but there's a lot more going on with this small cap S&L stock than you might think.

For starters, FBC has finally - legitimately - stopped its own bleeding by using support at the $0.46 level (orange). That pause bought the bulls enough time to muster a rebound effort that has gotten traction... enough traction to push Flagstar Bancorp shares above all the key short-term moving averages, and even muster a few bullish crosses of those moving averages.

The final step in this recovery process for FBC will be a move above the 200-day moving average line (green) at $0.81, but that attack is already underway.

Like Pacific Sunwear of California, this rally from Flagstar Bancorp, Inc. is entirely stemming from a case of "the worst is over", and there are no profits to speak of yet. There are some projected for the near future though. While turning a $0.06 per-share loss into a $0.02 per-share profit isn't going to change the world, it's enough to set up some trade-worthy movement right now.