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Data Doctors: Should I build an an app for my business?

By Ken Colburn, Data Doctors

PHOENIX, Ariz. — Q: I want to create an app for my business, but I need to find someone that knows how to build apps that I can trust or someone that can teach me how to do it. How do I get started?

A: There is no question that the use of mobile apps is on the rise and continues to dominate how mobile users interact on their smartphones. But before you take the plunge, make sure you think it through.

Most of us have dozens of apps on our smartphones, but really only use a handful on a regular basis.

According to Flurry Analytics, gaming and Facebook make up nearly 50% of time spent on mobile devices, followed by web browsing, social messaging and entertainment.

The problem with most apps is that they lack any real utility value to the user, so they get downloaded and used once or twice.

A 2013 Compuware study found that 80 to 90 percent of downloaded apps are used once, then eventually deleted.

Who needs it?

Take a minute to see how many apps you’ve downloaded but don’t really use; then, think about why your app would overcome this very difficult barrier.

If you can’t explain what your app does to a stranger in a few minutes, or they don’t seem to get it, you might want to rethink things.

Businesses that believe they need to have a mobile app often make the mistake of simply replicating what’s already on their website.

If you’re trying to make your website relevant to mobile users, you’re probably better off forgetting the app and going with a “responsive web design” that automatically provides a customized version when it detects a smartphone or tablet.

And don’t forget: Apps specifically designed for iOS won’t work on Android devices, so you’ll have to spend more time or money if you want it for the two most popular platforms. And the Android platform is very complex because of the numerous versions you’ll have to consider writing for, if you want widespread compatibility.

Once the app is created, it has to be kept updated with new content, features, bug fixes and potential rewrites when updates to the various operating systems are released. Creating an app is like bringing a new child into this world; if you want it to thrive and be relevant, the cost of the birth is just the beginning.

Decisions, decisions

You’ll also have to decide whether to write the apps in the native code for each platform or attempt to use HTML5 as a cross-platform option; the best option depends on what you want your app to do.

The question of whether you should hire someone or attempt to do it yourself can be answered quickly based on your time horizon and previous coding experience. If you aren’t in any rush to roll the app out and have the time to invest, you can certainly take a stab at learning how to get started via any number of Google searches on building apps.

If you are constrained for time or have never coded anything in your life, your best bet is to hire someone to build the app for you.

Be sure to find someone you can trust; as you can see, you will be entering into a long-term relationship with them. Don’t get into a rush when choosing a vendor and talk to as many customers of each potential option as you can. You also need to try out many of the apps that they have developed, to see whether they are intuitive to use and functionally appropriate.

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Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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