BC-APFN-US--Business Features Digest, APFN

The business news enterprise package planned through Sept. 24. For comments or questions, call 212-621-1680. For questions about photos, call ext. 1900. For questions about graphics, call ext. 7636. Repeats of stories are available from http://apexchange.com or the Service Desk, 1-800-838-4616.

Eds: Adds FEDERAL RESERVE-WHAT IT MEANS, FEDERAL RESERVE-THE GREAT DEBATE, SHUTDOWN VS DEFAULT, DIGITAL LIFE-TECH TEST-CAMERA PHONES, SMALLBIZ-SMALL TALK, SMART SPENDING-MEAT LABELS

Will be updated.

FEDERAL RESERVE-WHAT IT MEANS

WASHINGTON â¿¿ The Federal Reserve's surprise decision to maintain its economic stimulus could be happy news for home and car buyers, people with 401k accounts and perhaps some of the world's developing economies. Yet the Fed sent a sobering message for jobseekers and the U.S. economy: Hiring and growth remain weak and vulnerable to damage from budget fights in Washington. By Paul Wiseman.

Eds: Sent Thursday for use anytime. 800 words.

AP photos.

With:

FEDERAL RESERVE-THE GREAT DEBATE

WASHINGTON â¿¿ The Federal Reserve's decision to postpone any pullback in its economic stimulus immediately ignited a debate: Was the Fed right or wrong to delay the inevitable? Investors had anticipated a reduction in the Fed's $85 billion in monthly bond purchases, which are intended to keep long-term borrowing rates low to encourage spending. A pullback would have been a signal that the Fed felt the economy had shown steady improvement. Here is the case for slowing the purchases â¿¿ and the case against it. By Paul Wiseman and Christopher S. Rugaber.

Eds: Sent Thursday for use anytime. 1,320 words.

AP photo.

SHUTDOWN VS DEFAULT

WASHINGTON â¿¿ Here's the truth about a government "shutdown." The government doesn't shut down. Even if a dysfunctional Washington can't pass a temporary funding bill before the new budget year begins on Oct. 1, Social Security checks will still go out. Troops will remain at their posts. But lurking around the corner is a much bigger danger: Sometime next month or in early November the government could run out of cash and not be able to borrow. The result: delays in Social Security benefits and paying troops. By Andrew Taylor.

Eds: Sent Thursday for use anytime. 1,200 words.

AP photos.

COAL WOES

The future of coal is getting darker. Economic forces, concerns about pollution and competition from cleaner fuels are pushing nations around the globe away from coal, the fuel that made the industrial revolution possible. Coal production and consumption have been declining in the U.S., and stricter regulations that could all but prohibit building new coal plants are expected this week. By Jonathan Fahey.

Eds: Sent Wednesday for use anytime. 1,100 words.

AP photos.

DIGITAL LIFE-TECH TEST-CAMERA PHONES

SUNNYVALE, Calif. â¿¿ Although their megapixel count is approaching what stand-alone cameras offer, smartphones are still inferior in lens quality and other factors. Images aren't going to be as good ... until now. New phones from Nokia, Samsung and Apple help close the gap. Apple's iPhone 5S comes out Friday. By Technology Writer Anick Jesdanun.

Eds: Sent Thursday for use anytime. 1,000 words.

AP photos.

DIGITAL LIFE-TECH TEST-NEW IPHONES

CUPERTINO, Calif. â¿¿ Passcodes are such a pain that I've relaxed the security settings on my Android phone. I'm willing to forgo the extra safety, just so I'm asked to punch in the code less often. When I got my hands on Apple's new iPhone 5S, one of the first things I tried was a feature that allows you to bypass the passcode using a fingerprint. By Anick Jesdanun.

Eds: Sent Wednesday for use anytime. 1,090 words

AP photos.

With: DIGITAL LIFE-TECH TEST-NEW IPHONES AND IOS 7-NOT TO MISS

CUPERTINO, Calif. â¿¿ Apple's new iPhones and iOS 7 operating system for mobile devices are packed with new features, some of which may not be easily discovered. I've had a chance to find out about many tips and tricks in the week I spent with both the iPhone 5C and the iPhone 5S, which come with iOS 7 installed. Here are five things not to miss if you download the software starting Wednesday or buy a new iPhone starting Friday. By Technology Writer Anick Jesdanun.

Sent Wednesday for use anytime. 1,000 words.

AP photos, video.

JOBS GAP-RICH AND POOR

WASHINGTON â¿¿ The gap in employment rates between America's highest- and lowest-income families has stretched to its widest levels since officials began tracking the data a decade ago. Rates of unemployment for the lowest-income families â¿¿ those earning less than $20,000 â¿¿ have topped 21 percent, nearly matching the rate for all workers during the 1930s Great Depression. By Hope Yen.

Eds: Sent Monday for use anytime. 1,190 words

AP photos, graphic.

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CENSUS-POOR AND UNINSURED

WASHINGTON â¿¿ The Census Bureau reports the number of Americans in poverty stood at 15 percent in 2012. About 46.5 million people, or more than 1 in 7, were in poverty in 2012. It was the sixth straight year that the poverty rate had failed to improve, hurt by persistently high levels of unemployment after the housing bust. By Hope Yen.

Eds: Sent Tuesday for use anytime. 1,000 words.

AP graphic.

COLORADO FLOODING-TOURISM

DENVER â¿¿ A little more than a year after Colorado Gov. John Hickenlooper insisted his wildfire-ravaged state was still "open for business," he may have to throw another lifeline to the state's billion-dollar tourism industry as the world takes in the startling images of dramatic flood rescues and washed-out roads. By Colleen Slevin and Steven K. Paulson.

Eds: Sent Tuesday for use anytime. 870 words.

AP photos.

MUSIC-Q&A-RICK ROSS

ATLANTA â¿¿ Even though Rick Ross lost his deal with Reebok this year, the Miami-based rapper continues to sport and promote the sneaker brand. "I'm still supporting Reebok. I'm still wearing Reebok," he said in an interview, where Ross also talked about his relationship with Jay-Z, acting on Starz's "Magic City" and new music. By Jonathan Landrum Jr.

Eds: Sent Tuesday for use anytime. 750 words.

AP photos.

GAMES-GRAND THEFT AUTO V

LOS ANGELES â¿¿ Rockstar Games doesn't play by the rules. Not that anyone would expect the creators of "Grand Theft Auto" to operate like other game designers. And while that's created an undeniable mystique around this week's release of "Grand Theft Auto V," it's also raised some questions. By Lou Kesten.

Eds: Sent Monday for use anytime. 800 words

AP photos.

BRAZIL-INTERNET SOVEREIGNTY

RIO DE JANEIRO â¿¿ Brazil plans to divorce itself from the U.S.-centric Internet over Washington's widespread online spying, a move that many experts fear will be a potentially dangerous first step toward politically fracturing a global network built with minimal interference by governments. By Bradley Brooks and Frank Bajak.

Eds: Sent Tuesday for use anytime. 1,100 words.

AP photos.

MEXICO-COMMUNITY CELLPHONES

MEXICO CITY â¿¿ The Zapotec village of Talea de Castro high in the mountains of southern Mexico is building its own cellphone network with inexpensive Web technology that could connect other small, isolated villages around the world. Making any sort of call in the village used to mean trudging to a community telephone line and paying what could be a day's wages for a crackly five-minute conversation. By Mark Stevenson.

Eds: Sent Monday for use anytime. 840 words.

AP photos.

COLUMNS

SMALLBIZ-SMALL TALK

NEW YORK â¿¿ Many small business owners will be sitting on the sidelines this fall while others try to figure out what kind of health insurance to buy for 2014. That's because many companies are renewing their current policies early, and in the process avoiding the Affordable Care Act for another year. The benefits of early renewal are twofold: Owners have more time to understand the law's complexities, and they lock in lower premium rates than they'd likely have under the ACA. By Joyce M. Rosenberg.

Eds: Sent Thursday for use anytime. 850 words

AP photos.

SMART SPENDING-MEAT LABELS

Browsing the meat section at the supermarket, labels abound for organic meat, kosher meat and meat raised without antibiotics or hormones. Other than the fact that they almost guarantee a higher price tag, what the labels mean isn't always obvious. Here's how to know what exactly you're paying extra for. By Candice Choi.

Eds: Sent Thursday for use anytime. 950 words

ON THE MONEY-FOR SALE BY OWNER

Who needs a real estate agent? Rising home prices and a thin supply of available homes for sale are tempting some homeowners to try to sell their house without the assistance â¿¿ and expense â¿¿ of an agent. This approach can save sellers big money, but it can also be a painstaking, confusing task. Here are some things to keep in mind. By Alex Veiga.

Eds: Sent Wednesday for use anytime. 990 words.

AP photo.

Copyright 2011 Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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