A bank is offering scented credit cards to Middle Eastern women

Al Hilal Bank began marketing scented credit cards to women earlier this year.

Al Hilal Bank recently released a credit card with a built-in "applet" that absorbs the smell of perfume, aimed at attracting female customers. The card also comes with a nicely boxed signature scent and a number of perks, from discounts for female-centric brands to airport lounge access.

The bank said that the card was designed for "young, ambitious and empowered women" as a way to stand out.

"Today's modern Emirati woman wants to send out a strong message about her individuality and her capacity to become a productive member of society while staying true to her heritage," said Mariam Yousef Ahli, Al Hilal Bank's head of corporate communications, in a press release.

Related: The richest women around the world

The scented cards are part of wave of ways banks are targeting female customers, offering products and services geared specifically toward women.

Last summer, Mashreq Bank released a diamond-encrusted Solitaire card, which, aside from the bling factor, comes with benefits like personal shoppers, access to invitation-only previews of luxury brands' latest collections and benefits that can be redeemed with brands like Mulberry, Michael Kors and Carolina Herrera.

The bank also came out with a "selfie" credit card, which allows users to upload photos of themselves from their phones and have them printed on their cards.

According to Mary Dean, founder of KickSkirt, an advertising agency specializing in marketing to women, these cards are enticing because they allow women to express individuality.

"Because women are often covering themselves, these cards are another way to express that they are successful, that they're special, that there is something premium about them," she said.

Related: American Express to raise credit card rates

Over the last decade, the UAE saw a spate of women's banking initiatives. Banks like Johara, a subsidiary of Dubai Islamic Bank, began opening branches with female bankers and tellers, catering to the specific banking needs of women, including special credit cards and auto financing offerings. Other women-only banks in the Middle East have thrown in valet parking at shopping malls, access to women's clubs and preferred credit card rates along with more traditional banking options.

More Middle Eastern women, especially in Dubai, make their way up corporate ladders and start businesses of their own. Women who have inherited wealth from their families are also looking for a way to keep their fortunes for themselves, according Dean.

"With the banks, they want to make sure that they trust their financial advisers to be loyal to them, not to their family or their husbands," she said.

Related: Sheryl Sandberg wants more women online

CNNMoney (New York) March 2, 2015: 4:13 PM ET

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#TheDress: 73 million page views

According to Tumblr, the original post of #TheDress has pulled in 73 million page views since being posted on the site on Thursday.

Yes that's right. Seventy. Three. Million.

To put that outrageous number into context, the most viewed story in the history of the popular viral news site BuzzFeed is a quiz called "What State Do You Actually Belong In?" which pulled in 41.6 million views.

In terms of Internet traffic, 73 million page views for a single story is beyond incredible. In fact, most websites would be happy to have that amount of views in a month let alone from a single story.

If that wasn't mind-boggling enough, Tumblr shared that the original post from user swiked had 140,000 page views per minute between 10:30 p.m. and 11:30 p.m. Thursday night.

That was exactly the time when the argument over the dress' color scheme was waging all over social media.

Tumblr also pointed out that BuzzFeed, which spotted the Tumblr post, has written 31 articles regarding #TheDress just in the past five days.

It was a winner for BuzzFeed as well. It's original post "What Colors Are This Dress?" garnered nearly 38 million views.

CNNMoney (New York) March 2, 2015: 5:31 PM ET

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529 plans may soon cover more college expenses

College students use laptops in class.

Last week, the House of Representatives passed a bill that would expand the benefits offered by the college savings plans to include coverage of expenses like computers and Internet access.

The bill came together in the wake of a controversial proposal from the White House to curtail the tax benefits of 529s. That plan got serious blowback from many quarters and it was tabled within a week.

White House press secretary Josh Earnest said the administration won't stand in the way of the House bill, which garnered strong bipartisan support. And there's a fair chance it could pass in the Senate too, since an identical bill was introduced with a bipartisan roster of co-sponsors.

Related: Six ways to get free money for college

The House bill changes two provisions that will benefit families who use 529s.

First, it would let people use money from a 529 to pay for the purchase of a computer as well as software and Internet access so long as it's used by the student for his or her education at an eligible school.

That may seem like a no-brainer given how critical computers and Internet access are to students' lives these days. But under the current rules, 529 withdrawals may only be used to buy equipment "required for enrollment or attendance." And computers, software and Internet access don't always meet that criteria, unless one is pursuing an engineering or technology-related degree, according to Mary Morris, chair of the College Savings Foundation.

Related: White House drops 529 savings proposal

They actually were considered eligible expenses in 2009 and 2010, thanks to a temporary provision approved by lawmakers. But that provision was allowed to expire.

The House bill would also let the account holder recontribute money tax-free to a 529 if that money is refunded from a college or university because the student falls ill or otherwise has to drop out of school for a time.

The only restriction the bill imposes is that the refund must be reinvested into the 529 savings account within 60 days of the refund date.

Today, if a refund is reinvested, it would first be subject to income tax and may also be subject to a 10% penalty.

CNNMoney (New York) March 2, 2015: 6:01 PM ET

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The secret of #TheDress: Mobile viewing

BuzzFeed's now-famous Thursday story -- simply titled "What Colors Are The Dress?" -- now looks like it'll become the sprawling web site's most-viewed post ever.

"We've had other huge hits," BuzzFeed editor in chief Ben Smith said. But this one "went bigger faster."

Maybe that's the lesson for BuzzFeed and its many rivals: The speed with which #TheDress happened. Stories that previously would have "gone viral" over a period of days can now achieve the same success in hours.

Smith credits the proliferation of mobile devices and the ever-increasing "universality" of the Internet.

"The network is so much more fully built out than it was even a year or two ago," he said.

To his point, 79% of Thursday's views of "What Colors Are The Dress?" (which was basically an optical illusion) came from mobile devices like iPhones. The huge proportion of mobile viewership underscores why technology companies -- and, more recently, media companies -- have been talking about being "mobile-first."

When Smith was on CNN's "Reliable Sources" on Sunday, and I commented about the mobile-focused future, he said "It's the present, not the future."

"Certainly," he said, "the way we think about our readers is a person holding a phone."

Watch: Ben Smith on "Reliable Sources"

According to BuzzFeed, 94% of the story's views came from social media sites like Twitter and "dark social" sources like links swapped via text-message.

Smith said he appreciated how people also shared the photo of the dress physically, by passing their phones and tablets to friends and family (and instigating the fights that BuzzFeed subsequently wrote about).

"Is that the Internet or I-R-L?" he asked me before Sunday's show, using the abbreviation for "in real life."

Dao Nguyen, BuzzFeed's publisher, wrote about the same dynamic in a Friday blog post.

The story "shaped conversations at dinner, in bars, on couches, over text, all driven by mobile and the ability to show your phone to your friend," Nguyen wrote. "Same picture, same device, but different colors! In less than 24 hours, people from every corner of the world were looking at each other's phones at a post, on a site, run by a company totally optimized for social and mobile."

It helped that BuzzFeed published the original story in the 6 p.m. hour on the East Coast, just in time for mobile phone prime time. Viewership surged in the 8, 9 and 10 p.m. hours.

And BuzzFeed -- not to mention lots of other web sites that raced to follow up -- simultaneously responded to interest and stoked interest by publishing a dozen other stories about #TheDress debate.

"We definitely have a culture of -- when something's blowing up -- swarming it," Smith said.

Now, three days later, 11 of the top-viewed 20 posts on BuzzFeed (ranked by weekly traffic) are related to the dress.

The original story has 37.6 million views. A followup, "This Might Explain Why That Dress Looks Blue And Black, And White And Gold," has 12.2 million.

BuzzFeed's most-viewed story ever is a quiz called "What State Do You Actually Live In?" It was posted in February 2014, and it has racked up 41.6 million views. #TheDress is already in striking distance.

CNNMoney (New York) March 1, 2015: 6:55 PM ET

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BlackBerry commits to software on any device

BlackBerry (BBRY, Tech30) announced plans to make its latest software offerings available on iOS, Android and Windows phones and tablets.

The software will include communication, security, and workplace tools, allowing users to edit documents, share calendars, hold secure video conferences and protect themselves from identity theft, among other things.

The move continues BlackBerry's pivot away from the smartphone hardware market. BlackBerry's devices have been losing market share for years and now account for a small fraction of smartphones sold.

Instead, CEO John Chen has been focusing on a new plan: selling the company's enterprise software for use on all mobile devices, including those sold by one-time competitors like Apple (AAPL, Tech30).

Under Chen's leadership, only 46% of the company's revenue comes from hardware sales, and the rest comes from software, services and other sources, according to its most recent earnings filings.

Sunday's announcement at the Mobile World Congress represents a "major company-wide initiative in BlackBerry's commitment to build out its robust software portfolio," the company said in a statement. The software will be customized for each type of device and will be released later this year.

"Our goal is to be wherever our users need and want us, with our software suites, whether that's on an iPhone or a BlackBerry Classic," Chen said in the statement.

The BlackBerry Classic, complete with the company's traditional QWERTY keyboard, was released in late 2014.

Related: Kim Kardashian hoards BlackBerrys

BlackBerry also announced it would combine some of its security software with tools designed by Samsung (SSNLF).

The new tools are aimed at users who would have carried two phones to keep their business and personal lives distinct. They will incorporate government-grade security and put up a wall to separate personal and work content.

BlackBerry and Samsung have denied recent reports that they are considering a merger.

CNNMoney (New York) March 1, 2015: 6:11 PM ET

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'Question everything,' says the creator of Netflix's 'House of Cards'

If you're avoiding spoilers, rest assured -- there are none here. As the show's creator Beau Willimon says, a twist you don't see coming is "a magical thing."

"I'm going to sound sort of corny here," Willimon said, "but it's a magical thing to experience a surprising element of the story for the first time and have it truly be surprising. It's like a spell. It's a sort of act of voodoo. It's that thing that happens to you as a viewer, that you can never have again, because you know now."

In a wide-ranging interview with CNNMoney, Willimon talked about the significance of the third season -- which debuted all at once on Friday morning -- and how the very word "television" is being redefined.

"Is the term 'TV show' even really applicable anymore?"

"House of Cards" is what Willimon calls "a paradigmatic shift in the way that people consume their entertainment." Not everyone who watches season three will watch all of the episodes at once, but many will -- and what matters is the choice.

The arrival of new distribution options like Netflix are causing people in the industry to "question everything," Willimon said.

"The entire calendar for how shows are released" can be rethought, he said.

So can "the length of shows. I mean, you have a lot more limited series now, which I think is a direct result of bingeing, actually, because people are essentially watching a six- or eight-hour movie."

"I think that it has forced us, in a good way, to question what constitutes a TV show," he added. "Is the term 'TV show' even really applicable anymore? Are we just telling lots of different types of stories in different formats?"

"Some television shows have commercials. Some don't. Some are all released at once. Some are week-to-week. It puts us in a position to question everything, and that's exciting," he said.

Frank Underwood and inspiration from past presidents

"House of Cards" calls its episodes "chapters," like a book. In season three, the protagonist Frank Underwood is now the United States president, and it's not "an easy road" for him, Willimon said.

He said "a good analogy might be Lyndon Johnson after the assassination of JFK. He had a lot to accomplish in a very short amount of time, and not necessarily the support of everyone in Washington. It's an almost impossible position to be in."

The show's writers draw from other past presidencies as well, including "Nixon, JFK, FDR, Truman, going all the way back to Lincoln and Jefferson and Washington and all those guys," he said.

The show's writers like to re-watch a famous Stephen Colbert speech...

Inspiration for the series comes from many places besides presidential history.

The writers have made it a tradition to watch Stephen Colbert's 2006 White House Correspondents Association dinner speech before getting started on each season.

Why? "There's something dangerous in that speech," Willimon explained.

In Colbert, "you had a guy that was saying some very funny things, but also some things that were too important to be funny, and saying it to a president's face. Now, in terms of power, in terms of seizing a moment, in terms of leaving nothing on the table and taking off the kid gloves, that sort of energy, that sort of bravery, and also that certain ability of Stephen Colbert to not take himself too seriously when it comes to very serious matters -- the balance of all that, I think, was just kind of like, a perfect moment. It's great to look at some perfection when that's what you strive for in your own endeavors."

Why real-life presidents are drawn to "House of Cards"

Willimon said he thinks that many politicians "wish they could be as brazen in their approach to things as Francis Underwood is."

The producers and stars of the show were thrilled when President Obama tweeted about the season two premiere this time last year.

So did the president ask for screeners ahead of season three?

"Well, you'd have to ask the White House," Willimon said slyly. So that's a maybe? "It's a maybe," he said.

Willimon dodged one other question: Will there be a fourth season of "House of Cards?" He steadfastly declined to say yes or no.

CNNMoney (New York) March 1, 2015: 6:18 PM ET

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Kelly Osbourne quits E!'s 'Fashion Police'

Kelly Osbourne (center) has quit E!'s 'Fashion Police.'

E! announced on Friday that Kelly Osbourne will be departing the network's style and red carpet show to "pursue other opportunities."

"We would like to thank her for her many contributions to the series over the past five years during which time the show became a hit with viewers," the network said in a statement.

The departure comes as "Fashion Police" is facing scrutiny over one of its hosts comments.

On Monday's telecast, co-host Giuliana Rancic made a comment about the dreadlocks of actress-singer Zendaya Coleman, saying the hair probably smelled like "weed" or "patchouli oil." Some felt the comment was racially insensitive.

The backlash from Rancic's comment fell onto Osbourne who took to Twitter to convey her displeasure over the situation.

"I DID NOT MAKE THE WEED COMENT [sic]", Osborne tweeted on Tuesday." I DOT NOT CONDONE RACISM SO AS A RSULT [sic] OF THIS IM SEREIOUSLY [sic] QUESTIONONIG [sic] STAYING ON THE SHOW!"

Giuliana Rancic has since apologized for her comments.

E! said that the show would return as scheduled on Friday, March 30 and that no decisions have yet been made on Osbourne's replacement.

The woman who broke into the BBQ 'boys club'

BuzzFeed's newest traffic driver: debate about the color of a dress

'House of Cards' fans that already finished season 3

CNNMoney (New York) February 27, 2015: 7:32 PM ET

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Warren Buffett knows who next Berkshire CEO is

He also said that he knows who will one day replace him. Of course, Buffett did not share that name with the rest of us.

"The board and I believe we now have the right person to succeed me as CEO -- a successor ready to assume the job the day after I die or step down," he wrote in his latest annual letter to investors.

Buffett added that the next Berkshire CEO would be someone that already works at Berkshire and is "relatively young."

And while Buffett chose to be coy, Berkshire's vice chairman and long-time Buffett friend Charlie Munger seemed to suggest that it's a two-man race to succeed Buffett.

Munger, in his own remarks in Buffett's letter, specifically named Berkshire reinsurance head Ajit Jain and Berkshire Energy CEO Greg Abel as "proven performers who would probably be under-described as 'world-class.'"

Munger added that he doubted either Jain or Abel would ever leave Berkshire or seek to change how the company is run.

This is Buffett's 50th annual shareholder letter since he took control of Berkshire Hathaway (BRKA) in 1964. So it's only natural that it's time for Buffett to prepare Berkshire investors for life without him.

Throughout the past five decades, Buffett has had a lot to say about the financial markets, economy and society.

Last year, he even gave travel tips, urging people to consider flying to Kansas City, and then drive a rental to Nebraska, since airlines often have "jacked up prices" on flights to Omaha. This year, he even endorsed Airbnb as a way to save on lodging -- though it's hard to imagine Buffett endorsing the young tech company as an investment.

Related: How good is Warren Buffett? Very

But most Buffett fans read the letters for his advice on stocks -- even though Buffett has conceded that the portfolios run by his two investing lieutenants Todd Combs and Ted Weschler have outperformed his own lately.

Buffett is a classic buy and hold investor who has largely shunned pricey technology stocks in favor of blue chips in the financial, industrial and consumer sectors. He has often urged investors to not panic and dump stocks due to fear.

In this year's letter, Buffett stressed that investors should not confuse volatility and risk. He said that stocks "will always be far more volatile" than cash and other investments.

But the bigger risk is not being in the market.

Buffett said that "for the great majority of investors, however, who can -- and should -- invest with a multi-decade horizon ... their focus should remain fixed on attaining significant gains in purchasing power over their investing lifetime."

The proof is in the returns. Berkshire's market value per share has increased by a jaw-dropping 1,826,163% in the past 50 years.

To put that in perspective, the compounded annual gain is 21.6%, compared to 9.9% for the S&P 500.

Another constant Buffett refrain: Don't bet against America. Better times lie ahead.

That optimistic spirit was once again present in this year's letter. Buffett was particularly confident about the chances of continued success for Berkshire.

He said that "the chance of permanent capital loss for patient Berkshire shareholders is as low as can be found among single-company investments" and added that the there is "essentially zero" risk of Berkshire being hit by any major financial problems.

Related: Berkshire is one of Motley Fool's best stocks to buy

Buffett even joked that Berkshire would "always be prepared for the thousand-year flood" and "will be selling life jackets to the unprepared." That's a reference to some of the big investments Berkshire made in financial firms in the wake of the 2008 credit crisis.

But he added that Berkshire is now so big, it will be tough to match the performance of the past 50 years.

Buffett also stressed that the company is much more than an investing and insurance giant -- and he hinted at more deals to come.

Berkshire bought railroad Burlington Northern Santa Fe in 2009 and teamed up with private equity firm 3G Capital to purchase Heinz in 2013.

"Berkshire is now a sprawling conglomerate, constantly trying to sprawl further," he wrote, adding that it expected to partner even more with 3G.

Still, some investors have questioned whether Buffett has lost his mojo. Big Berkshire investments IBM (IBM, Tech30), Coca-Cola (KO) and American Express (AXP) have lagged the market lately.

Related: Warren Buffett ditched Big Oil. Dumb move?

However, other Berkshire stocks -- most notably top holding Wells Fargo (WFC) -- have done extremely well.

Buffett refers to Wells, IBM, Coke and AmEx as Berkshire's "Big Four" investments. And he does not seem to be too concerned by the recent problems at the latter three.

He said that all four "possess excellent businesses and are run by managers who are both talented and shareholder-oriented."

And Berkshire's own stock has outperformed the S&P 500 over the past five years. The company is now the fourth most valuable in America, trailing only Apple (AAPL, Tech30), Google (GOOGL, Tech30) and Exxon Mobil (XOM).

But Buffett did concede that he made one huge blunder last year. Its investment in British supermarket chain Tesco (TESO) turned out to be a flop due to an accounting problem at the retailer.

Related: Berkshire buys stake in Rupert Murdoch's 21st Century Fox

Berkshire sold some of its Tesco stake in 2013 but didn't unload the rest until after the stock had plunged last year. Buffett took full responsibility for "the leisurely pace in making sales."

"I made a big mistake with this investment by dawdling," he wrote. But even that error didn't wind up hurting Berkshire too badly.

Buffett said that after-tax loss on Tesco was $444 million -- about 1/5 of 1% of Berkshire's net worth.

One of the nice things about being so big is that you don't have to hit a home run every time you step up to the plate.

CNNMoney (New York) February 28, 2015: 10:27 AM ET

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Advice from Warren Buffett that could make you rich

Such consistency has paid off for Buffett: A jaw-dropping return of 1,826,163% over the past half century. That's an average annual gain of 21.6%, compared to 9.9% for the S&P 500.

You probably can't do as well as Buffett -- he's got a lot of advantages you don't -- but his advice can get you a lot of the way to reaching your goals.

1. "America's best days lie ahead"

Remember 2008, the early days of the Great Recession? A lot of people couldn't imagine better days ahead, got scared and sold their stocks. A massive rally of 200% followed for those with the courage to ride out the tough times.

Buffett and his partner Charlie Munger held strong, and took the opportunity to pick up bargains. True, they're billionaires and can better afford to do so. But it's a lesson for all of us.

In 2015, there is no shortage of reasons to worry. But here's what Buffett has to say about it:

"Charlie and I have always considered a "bet" on ever-rising U.S. prosperity to be very close to a sure thing. Though the preachers of pessimism prattle endlessly about America's problems, I've never seen one who wishes to emigrate (though I can think of a few for whom I would happily buy a one-way ticket). Most assuredly, America's best days lie ahead."

2. If you think long, stocks aren't as risky as you think

Sure, stocks can take you on some scary rides. Bad years with losses of 10% or 20% come around often enough. Specific stocks you own might go to zero if you were really speculating.

But Buffett spends some time telling investors not to mistake those ups-and-downs with risk -- provided you build a diversified portfolio of established companies, and are saving for the long term.

Here's Buffett: "It has been far safer to invest in a diversified collection of American businesses than to invest in securities -- Treasuries, for example -- whose values have been tied to American currency. That was also true in the preceding half-century, a period including the Great Depression and two world wars. Investors should heed this history. To one degree or another it is almost certain to be repeated during the next century."

Buffett helpfully outlines the mistakes that will undermine stocks' potential: "Investors, of course, can, by their own behavior, make stock ownership highly risky. And many do. Active trading, attempts to "time" market movements, inadequate diversification, the payment of high and unnecessary fees to managers and advisors, and the use of borrowed money can destroy the decent returns that a life-long owner of equities would otherwise enjoy."

Related: Scared of a market crash? Read this

3. Don't listen to the "experts."

What are the top strategists saying now? Who cares?

"Anything can happen anytime in markets," writes Buffett. "And no advisor, economist, or TV commentator -- and definitely not Charlie nor I -- can tell you when chaos will occur. Market forecasters will fill your ear but will never fill your wallet."

4. Be decisive

Sometimes you know the right thing to do, but it just "feels" better to go slow.

Even Buffett is vulnerable to that behavior, and he says it cost him in 2014 with his investment in Tesco, the British supermarket chain.

"In 2013, I soured somewhat on the company's then-management and sold 114 million shares, realizing a profit of $43 million. My leisurely pace in making sales would prove expensive. Charlie calls this sort of behavior "thumb-sucking."

"During 2014, Tesco's problems worsened by the month. The company's market share fell, its margins contracted and accounting problems surfaced. In the world of business, bad news often surfaces serially: You see a cockroach in your kitchen; as the days go by, you meet his relatives."

Buffett finally got out completely, but ended up with a loss of more than $400 million.

Related: Warren Buffett knows who the next 'Buffett' is

Related: How good is Warren Buffett? Very good

Related: Investors who lose money make these two mistakes

CNNMoney (New York) February 28, 2015: 12:08 PM ET

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Iran hacked an American casino, U.S. says

For the first time, Director of National Intelligence James Clapper said the Iranian government was behind a damaging cyberattack on the Sands Las Vegas Corporation (LVS) in 2014. He mentioned it while testifying before the Senate Armed Services Committee this week.

Sands owns several well-known properties, including The Venetian and Palazzo in Las Vegas and two other resorts in Macao and Singapore.

The attack made headlines, because Las Vegas Sands is a large publicly-traded company. In February 2014, it said unidentified hackers broke into its computer network and stole customer data: credit card data, Social Security numbers and driver's licenses numbers.

The U.S. government accuses Iran of hacking the Las Vegas Sands Casino Corporation, which owns The Palazzo and several other resort-hotel-casinos around the world.

At the time, it sounded like just another digital break-in. But the nation's leading intelligence official says it was much worse than that.

On Thursday, Clapper described it as a "destructive cyberattack" on par with North Korea's hack of Sony. In that case, hackers wiped computers, destroyed data and froze the company to a halt.

It's unknown what damage Iranian hackers did to the casino company. Las Vegas Sands declined to comment for this story.

However, the company thinks hackers broke into its casino in Bethlehem, Pennsylvania and "certain company data may have been destroyed," according to documents it filed Friday with the Securities and Exchange Commission.

Of all targets, why Adelson's company? The businessman is a major donor to Republican politicians. He's staunchly pro-Israel, the ultimate foe of the current Iranian regime. And in the past, Adelson has casually suggested that the U.S. drop nuclear bombs on Iran.

If Clapper's assertion is true, this is the latest example of a frightening trend: governments are hacking private companies.

Chinese hacker spies have stolen business plans from U.S. power plants. Russian hackers have broken into American and European oil and gas companies. And most recently, leaked documents show American and British spies hacked a phone SIM card maker in the Netherlands.

Computer security experts widely agree that companies aren't prepared to handle this threat. It comes down to resources. A government is a predator with billions of dollars at its disposal to amass a formidable cyber army. Its prey is a lean, for-profit company with a small security team.

Clapper told senators that hackers in Iran and North Korea pose less of a threat than China and Russia. But they're still a serious foe.

"These destructive attacks demonstrate that Iran and North Korea are motivated and unpredictable cyber actors," Clapper told senators on Thursday.

Related: Anthem probe looking at China as possible source of hack

Related: NSA tied to super-sneaky malware found in companies worldwide

Related: The NSA failed to hack your phone

CNNMoney (New York) February 27, 2015: 5:54 PM ET

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