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Our Xperience Center is available Monday through Friday from 7 am to 4 pm (Pacific), 10 am to 7 pm (Eastern), it’s a great way to get your banking done before and after work or anytime you’re on the go.Xperience Center facilities are also available in all Xceed Financial Centers, to provide that personal touch when you have a loan question or other business that requires interaction with an associate at Credit Union headquarters.“I knew if I had launched this on i Phone right from the get-go, you have to have a user base or it’s just not interesting,” he says. The app, which lets users post updates and reply to those posted by others, is differentiated from the new “ambient location” (i.e., people-stalking) apps like Banjo, Highlight and Glancee, because it’s not about aggregating and tracking check-ins or geotagged tweets, nor is about running the app in the background to ping you when friends are nearby. WNM Live, says Hamachek, isn’t geared towards dating, it’s more for “helping normal people meet normal people.” (Oh burn, Skout users.) It’s also heavily moderated with a zero tolerance policy for spam and inappropriate content to help keep the crazies out, too.

You can buy Skype for Business online meetings starting at NOK 16.20 kr per user, per month.The only charges that are incurred in these offerings are calls placed to landlines or mobile phones.Users can post updates which can be cross-posted to Facebook, plus engage in one-on-one IM-like chats and picture message exchanges, although with the latter, the app requires first that at least five text messages have been sent without the sender getting blocked…you know, to cut down on the “here’s a picture of my junk” kind of thing.There’s also that above-mentioned, pretty out-there feature (or maybe I’m just old) that lets users actually phone other users via the app. You can accept, reject or block a caller, but you can’t turn the setting off. On Windows Phone, the calls go over both Wi-Fi and 3G, but Hamachek expects restrictions when they get around to porting this feature to i Phone.Or, if you're looking for more of a one-on-one messaging service, see this Apps for Free Video Chat on Your Computer list.

Important: While these free webcam sites offer strict guidelines for users, be aware that content on any of these sites could include images that are NSFW, or could potentially violate local laws or community standards. Tinychat is innovative and makes the creation of webcam chat rooms for you and friends fast and simple.

) won’t have the same option at launch, so it’s safe to use for now.

The decision to grow WNM Live’s user base first, before heading to the i Phone, was a conscious strategy on the part of founder Brian Hamachek.

One thing (OK, besides getting calls from strangers) that does concern me about WNM Live’s direction: Hamachek says he doesn’t use the app himself.

“Myself, personally…this isn’t something I have a need for in my life,” he says.

“There’s a use case for someone like myself, but my personal motivation is to build something that’s used by so many people.” OK, then.