Apple's (NASDAQ:AAPL) CFO Peter Oppenheimer sat down with Morgan Stanley analyst Katy Huberty last Friday and provided some insights on what investors could expect from Apple in 2013. Huberty's main takeaways from the meeting included expectations for more services to enhance Apple's ecosystem, a lower-cost iPhone to expand Apple's customer base, and more cash for shareholders.

Amid increasing competition from the likes of Amazon and Google (NASDAQ:GOOGL), Apple's strategies in "hot" areas like these will play a major role in making or breaking Apple as an investment in 2013.

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