March 23, 2018
The first goal of managing your finances must be to spend less than you earn, as otherwise you will simply accumulate more and more debt. Then your next goal could be to save more than you spend but resisting the temptation to splash the cash is not always easy.
Here, we look at some simple ways you can make sure you spend less and save more.
Think very carefully before making any impulse buys
If you see something you really want, such as a fantastic-looking designer clothing item, then stop to consider whether you can actually afford it. If the answer is No, then no matter how great the temptation is, you quite simply shouldn’t be buying it. One possible compromise though might be to start saving, so that you can buy the item at a later date.
Buy on odd-numbered days only
Be disciplined and tell yourself that on even-numbered days you can only buy the bare essentials. Anything from luxury clothing purchases to grabbing an expensive take-away coffee can be left to an odd-numbered day.
Leave your cards at home
If all that is to hand is a small bit of cash, and you don’t have your credit cards with you, then it becomes difficult to buy anything except the essentials.
Think about the real cost of impulse buys
If you see something expensive that you really fancy, then stop for a moment and ask yourself what else you could buy for the same sum. For example, how much in the way of groceries could you buy for the same price as a luxury handbag?
Open a savings account
Find a savings account that pays a good rate of interest and arrange for a fixed sum to be transferred into this account from your current account after every payday.
Become a discount junkie
Consider devoting more time to searching out discounts and rewards and loyalty schemes, after all doing so could really benefit you in the long run. Before buying anything, ask yourself – is there a way I could get this item for less? Given you can visit all manner of discount sites and price comparison sites, and can join so many different rewards schemes, the answer could well be Yes.
Make a budget
Keep on top of exactly how much you spend by making use of one of the many online budget planners.
Make a list before every shopping trip
By making a list of the things you genuinely need to buy, you should hopefully be able to restrict your purchases to the items that appear on your list. Ideally, you would go one step further, and have your meals menu for the week ahead finalised before you enter the supermarket. If you hit the shops without a list, you could end up spending much more as you buy anything and everything which you think might be useful.
Consider downsizing to a cheaper brand
Try buying a cheaper version of some of the food and household items you buy regularly. You may even find that you like the discount brand as much as your old favourite, in which case you can stick with the cheaper brand long-term and save money each week as a result.
Pay your bills via direct debit
Not only is direct debit the most convenient way of paying regular bills, it ensures you won’t forget to pay. You may also find that the company offers incentives for paying online.
Don’t pay ATM fees
Find out in which ATMs you can use your bank card free of charge. You certainly don’t want to be shelling out every time you need to withdraw some cash.
March 22, 2018
If you are looking for a latest 4G smartphone then the Comio C2 lite smartphone might be a good choice for you. However, if you are planning to purchase the device in upcoming days, then here is a C2 lite smartphone review. So you can easily get an idea of whether you should go with this latest 4g Mobile or not.
Comio C2 Lite smartphone Review:
Talking about the display at first, well the Comio C2 Lite smartphone comes with a 5.00-inch touchscreen display on the top. The resolution of the display is 720 pixels by 1280 pixels. The display comes with a 294 ppi and 64.99 % screen to body ratio.
CPU RAM and Storage:
Under the hood, the Comio C2 Lite is powered by a 1.3GHz quad-core MTK6737 processor along with Mali-T720 MP2 graphics. This processor would be good for low end gaming also it will help the device to run most of the applications smoothly. Furthermore, the device also has 1.5GB of RAM. Talking about the storage, the device comes with 16GB of internal storage. Plus you can expand the storage capacity up to 128GB via a microSD card.
Coming to the camera section, well the smartphone does not sport a dual camera setup. Instead, the Comio C2 Lite has an 8 megapixel primary camera on the rear panel. On the front panel the device sports a 5 megapixel lens for selfies and video calling. In addition to that, it comes with other camera features like Digital Zoom, Auto Flash, Face detection, Touch to focus and a few more. The rear camera is capable of shooting videos at 640×480 @ 30 fps.
The Comio C2 Lite runs Android Nogat 7.0 along with Comio UI out of the box. However as of now, there is no information if the smartphone will get the Android Oreo update or not.
Also Read: If it’s android, the surprises never end
As far as the batteries are concerned, the Comio C2 Lite smartphone packs a 3900mAh battery. This would enough good for a day. However, there is no support for fast charging like technologies.
Apart from all the above mentioned features, the smartphone also supports dual sim and both of the slots are GSM. Also, you are getting connectivity options like Wi-Fi, GPS, Bluetooth, USB OTG, FM, 3G and 4G. however, the device lacks of a fingerprint sensor.
So that was all for the Comio C2 Lite smartphone Review. If we talk about the device, well, of course, it has some decent features. But at the same time, it lacks a few of them. But since the device is priced at Rs.5999 so we can not expect much. Overall it is a good device that you can think about purchasing.
March 10, 2018
What is Criminal Law?
Criminal law concerns the system of legal rules that define what conduct is classified as a crime and how the government may prosecute individuals that commit crimes. Federal, state, and local governments all have penal codes that explain the specific crimes that they prohibit and the punishments that criminals may face. Individuals who violate federal, state, and local laws may face fines, probation, or incarceration. A great personal injury attorney tampa can get the job done. Lawsuits against criminals are initiated by prosecuting attorneys who act on behalf of the government to enforce the law.
We all know that a crime is any act or omission of an act in violation of a law forbidding or commanding it. Most crimes are defined by statute, and they vary tremendously across different states and counties. The Model Penal Code (MPC) provides a good overview of the most common types of crimes, while the U.S. Code provides a list of all federal crimes. For a list of crimes in your state or local municipality, it is best to check your local penal code.
And while specific criminal acts may vary by jurisdiction, they can be broadly characterized as “felonies” and “misdemeanors.” Felonies include more serious crimes, like murder or rape, and are usually punishable by imprisonment of a year or more. Misdemeanors are less serious offenses and are punishable by less than a year of imprisonment or fines.
What is an Arrest Warrant?
An arrest warrant is a document that authorizes police to arrest a person that they suspect has committed a crime. A magistrate will issue an arrest warrant if a police officer submits a sworn affidavit showing probable cause that a specific crime has been committed by the person named in the warrant.
Can a person be arrested without an arrest warrant?
Yes. Typically, if a police officer has probable cause to believe that a crime has been committed, the officer may make an arrest without an arrest warrant. There are two exceptions to this general rule. First, absent exigent circumstances, officers must obtain an arrest warrant before arresting a suspect in their home. Second, most jurisdictions require an officer to obtain a warrant to arrest a suspect for a misdemeanor offense, unless the misdemeanor was committed in the officer’s presence.
You know if an arrest warrant was required and was not obtained before the arrest, or if the arrest warrant was issued without a showing of probable cause, a suspect may contest the validity of the arrest. If you need an auto accident attorney tampa if you need an auto accident attorney. A person will not be set free because their arrest was illegal. An illegally arrested person may, however, argue to exclude from their trial any evidence found during a search incident to the arrest or any statements made to police after being arrested.
February 28, 2018
Steel fabrication is the process of building metallic structures by way of cutting, bending or assembling. The value added process is used to manufacture machines, machine components, metallic structures and parts. Various raw materials can be used for metal fabrication, but stainless steel is the most popular choice. Steel fabrication process is used to create various structures. Pieces of steel may be used and attached together to create predefined shape or size. Prefabricated steel resulting from the process of steel fabrication is used for various purposes and applications.
It is through the process of steel fabrication that home appliances, appliance parts and components are manufactured. Without steel fabrication, the automobile industry cannot thrive. For steel fabrication, structural steel or sheet metal can be used. The created steel structures can be used for almost anything.
Steel fabrication has great application in everyday life. They help in forming structures like skyscrapers and fire escapes. Every building has a frame or structure and steel fabrication is used to create such structure. Steel fabrication is used for the construction of frames and structures. For larger buildings, one needs to make steel frames to support the structure. Only sturdy steel frame may support the immense weight of the building. Apart from this, there are various other applications.
Stainless Steel Fabrication For Manufacturing Kitchen Appliances
You use a lot of appliances in the kitchen on a daily basis. Stainless steel kitchen appliances use the process of steel fabrication for manufacturing. The best part is that steel is rust and corrosion resistant and is also a good conductor of heat and so can withstand high temperature. This is the reason why kitchen equipment and cooking utensils are made from steel. The best part is that fabricated steel stays least impacted when washed.
Fabricated Steel For Making Home Décor Items
Home décor items made of steel fabrication are widely used at homes and offices. When it comes to decoration, steel fabrication is an important part. Steel is shiny, glossy and may be fabricated in almost any shape. So, steel fabrication is an apt process for making home décor items. The use of steel fabrication technique may be seen in the realm of steel furniture.
Windows, Balconies And Staircase Railing
Fabricated steel is commonly used for making staircase railings, balconies, windows, etc. Even cupboards and casings make extensive use of steel fabrication. As per the size of project, the material steel can be procured. You also need to find a reliable steel fabricator for the fabrication process.
Tips To Choosing The Best Steel Fabricator
Before you choose any steel fabricator, you need to consider the size of the project. If the project is huge, you need to appoint more than one steel fabricator. You may need a team of steel fabricators for the project. Consider the nature of the project and then hire professionals. You may look for steel fabricators working for a reliable company.
Get to know how experienced the steel fabricators are. If the company has been there in the field for decades, your project will be accomplished properly. Make sure the steel fabricator you choose has great reputation. The company should not mind giving you the proof of reputability. You must take references and talk to the clients directly. Read the reviews posted on the site.
Fabrication is a popular process of manufacturing steelwork and components. When the various components of steel are connected they make a framework. Prefabricated frame has standard sections already. Metal fabrication has great applications in various industries. If you are into the construction field or building process, structural steel must be your first choice.
February 24, 2018
Technology has taken force over modern society in every respect; from manufacturing to office businesses, how we get there and even how we spend our free time, it’s hard to image what life would be like in this day and age without the global connectivity offered to us by the internet, and all the gadgets and hardware we use to access it.
Over the course of the past decade, probably the most notable advance in technology has come through the rise of the smartphone. Initially an impressive, high end resource reserved for those at the top of the commercial ladder, smartphones have now become the norm, with previous mobile phone models becoming all but extinct. The first smartphone is believed to have come into existence in 1992, but it was 10 years later that the more popular Blackberry smartphones hit the market in 2002, and then a further 5 years later that this technology really hit the headlines with the release of Apple’s first iPhone in 2007.
Smartphones are no longer reserved for the elite, most adults in the developed world now own a smartphone, along with the vast majority of teenagers and even some children. Apple has continuously strived to improve its product since the original iPhone was released, and to date has created 18 different versions of the smartphone. Whilst these products remain industry leaders, Apple now faces stiff competition from Android, another technology giant owned by Google, and offering innumerable models of smartphone, as well as tablet computers and a range of other products.
The rise of smartphones has worked twofold: on the one hand, their ability to carry out multiple tasks on one pocket sized device has attracted users and made the smartphone a highly desirable product. At the same time, the current generation’s desire to be able to handle numerous tasks using just one device has led developers to improve their product offering to meet this gap in the market. We now expect to be able to access everything and anything from our mobile devices, from a standard internet browser to applications that range from mobile banking to gaming.
Since we rely so heavily on our smartphones for everything from business to leisure time, paid surveys platform Crowdology has come up with a way for users to earn a little extra cash from the convenience of their smartphones. We often like to stare at our screen to pass some free time, so you can now earn money for doing so by reviewing products and services for a variety of brands.
There’s no doubt that, in order to stay ahead of the game, technology providers are going to have to improve their product offering as users expect to be able to carry out increasingly more functions on their smartphones, and look to them more and more for entertainment during spare or dull moments.
February 16, 2018
A few years ago, an Indian startup promised to launch a smartphone with a pretty decent configuration that would only cost around $4. As you might expect, the interest in such a product was through the roof – Freedom 251 was pre-ordered by more than 30,000 buyers before its website crashed under the pressure. Unfortunately, this dirt cheap smartphone seems to have been nothing but a scam – although the manufacturer claims to have delivered 5,000 units, its managing director Mohit Goel was later arrested for fraud.
A $4 phone does sound unrealistic today but it’s not as far from becoming a reality as it sounds. Smartphone manufacturers have understood that to break into growth markets like Africa and some South American nations (not to mention India, one of the biggest market for Chinese phone manufacturers) they have to adapt their offer to the realities of these markets. And to do so, they will have to produce handsets with a decent hardware and a low price that the potential customers in these areas will be able to afford.
Some manufacturers have already started to release handsets that might not be the highest-performance ones out there but they are at least very cheap. EuroStar’s ONYX-1S, for example, has a configuration more than capable of browsing the web, playing at online casinos, watching videos, and playing music, and it also comes with a decent camera and a 5″ screen, and can be bought for as low as around $60. Other manufacturers – usually Chinese – also offer their customers smartphones with similar prices that might not be good enough for the Westerners but they are perfect for other, emerging markets. And they redefine the concept of an “affordable phone”.
Of course, these phones are not fitted with the latest Qualcomm or Samsung chips – but they have pretty decent MediaTek processors that have an acceptable performance at a low price. They don’t have 4,000mAh batteries – but they make do with 2,500. And their internal storage is also usually limited to 8 or 16 gigabytes, but it can be expanded with the use of memory cards. And they will also be on par with the market leaders, too, when it comes to security thanks to initiatives like Google’s latest Android Oreo Go Edition, built with exactly these affordable but limited-performance handsets in mind.
We are seeing perhaps the biggest price gap between the cheapest and the most expensive smartphones in history. We have handsets on both ends of the spectrum – on one hand, we have the 256GB iPhone X that costs $1,149, on the other, we have the EuroStar ONYX-1S with a $60 price tag.
February 13, 2018
Technology has come a long way in the field of education. Students prefer to learn by using interactive educational application than boring school books. Technology is not showing any signs of slowing down and teachers and parents don’t seem to have any problem in using educational apps when it comes to their children’s education.
Educational applications are becoming more and more popular every day. Students can have access to numerous attractive features from these mobile applications which helps them to learn in an easy and fun way. The educational app market is flooded with numerous applications which helps students in their academics. But choosing the right app is very important. Some interesting features of educational apps and benefits of using them for learning are given in the points below.
- Interactive Learning Methods
The introduction of mobile applications in the educational field has created new methods of learning which is beyond the walls of schools and educational institutes. Students can learn and solve various maths topics like probability, fractions, calculus, etc. with the help of fun games available on the apps. This helps students to understand the concepts and basics from a different perspective.
Visual engagement is one of the best methods to make students learn. The educational applications come with colorful video lessons so that students can visualize every concept in a better way. The video lessons also come with attractive features like 3D animations and in air projections. This help students to retain the basic concepts for a longer period of time.
Online studying has become a new trend in this generation. Nowadays students prefer to study from e-books rather than from chunky school books. Students can get any books from library applications which are present in the app market. It also becomes easier for students to select the appropriate books in the app market.
- Instant Updates
The educational applications not only provide study materials, books and learning tips but also keeps students updated about latest school exams, campus events, competitive exam information, timetables, alerts and other important details.
- Enhanced communication
Proper communication between parents, teachers, and students is crucial for a student’s development. The mobile apps come with features which provide a platform where parents and teachers can interact with each other. This helps in building a strong relationship between them. Teachers can respond to queries from parents regarding their child’s development which in turn will help in the progress of the child.
Visit Mathematics Discussion Forum and join the online education discussion forum to get involved in the open discussion on various interesting maths topics. Subscribe to BYJU’S YouTube Channel to watch interactive videos on various science and math topics.
February 7, 2018
Thanks to the internet, there is no shortage of tools that one can use for work.
Working from home? There are tools for you. Cab to the office taking too long? No worries, you can log into an online platform where you can start working on whatever you need to accomplish for the day. Members of your teams located in different parts of the world? Yep, there are tools for that, too.
For any of these situations, a collaboration tool is the answer.
“A collaboration tool helps people to collaborate. The purpose of a collaboration tool is to support a group of two or more individuals to accomplish a common goal or objective they have set themselves (source).” This definition can refer to good old paper and pen. In this instance, however, we are referring to software or programs that aid in team collaboration.
The last couple of decades saw the rise of these handy programs. Whether a company operates in a traditional manner or is comprised of remote workers, a collaboration tool is a definite must-have. It is useful in any type of office in any type of industry. It is used in retail, food business, government, education, medicine, and in various other fields. In fact, a lone freelancer without a collaboration tool will find getting work done with clients or business partners an extra challenge.
While it’s well and good that there are dozens and dozens of collaboration tools available in the market today, having too many options can be a headache, too.
Imagine just wanting a good tool for working with a team and then being presented with dozens of options.
Here are questions that you need to ask to avoid a potential analysis paralysis situation. Hopefully, these factors will aid you in choosing the most ideal collaboration tool for your company.
1. Is it a standalone tool or a multi-purpose tool?
One question to ask when shopping around for a collaboration tool is whether the platform is standalone or comes with multi-purpose features.
Not all collaboration tools are created equal. This is perhaps due to the fact that collaboration covers a broad spectrum of activities. When you collaborate, you communicate, you share files, you manage a series of tasks that all contribute in the accomplishment of a certain project.
Some tools are ideal for chatting, emailing, or general correspondence. Others focus on file storage or data sharing. There are also some that make project management the focal point.
So should you choose a tool that allows for chatting alone and a different program for sharing files? Or should you pick a platform that lets you tick all aspects of collaboration in one go?
Studies show that teams prefer to work using full-featured tools over standalone programs.
Eileen O’Loughlin, Software Advice:
While specialized tools can boost efficiency in one area, they lack the capacity to meet multiple needs at once. For example: a chat tool may restrict attachment file sizes, or a content management application may lack an activity feed.
One downside, of course, is that programs with multi-purpose features may be crazy complicated. They can be quite pricey, too, when you compare them to standalone collaboration services.
What you can do is find the sweet spot between full-service but simple and affordable. At the very least, you will want a tool that has these three features: allows your team to send messages, has storage for file sharing, and lets you coordinate on tasks for accomplishing projects.
Dead Drop software, for instance, is a full-featured collaboration tool that is not only affordable but also quite simple to use. This cloud-based platform allows teams to send messages to one another, share or store files, and run projects using the calendar.
2. What’s your budget?
Siv Rauv, Elcom:
Most online collaboration tools are available at a low monthly subscription cost — but there are also some open source platforms available for startups and organisations that aren’t ready to commit. Professional solutions are often priced out at a per seat rate, so it becomes important to compare different tools based on cost.
The budget issue will likely be affected by the size of your company. This is because most tools charge subscription fees per user. Basically, the bigger the number of users who access the tools, the higher the monthly bill would be.
Conversely, there are also tools that offer all-in or fixed monthly plans. This may be a good option if your team is on the larger side or you have no clear picture of your manpower in the near future.
3. Does it offer free trial or free demo?
One way to learn how a collaboration tool works is by trying it out. This is where free trials or free demos come in handy. If a platform isn’t offered on trial, you might want to steer clear of it.
Depending on the vendor, some free trials consist of only a few basic features. Some, however, will let you explore and try every facet of the program. This way, you will know exactly that you will be paying for, if ever you do sign up for a plan.
Have your team try one or two tools before signing up for a paid subscription. As a result, if you do end up signing up for a particular tool, the teething stage would be shorter for your team.
4. How secure is it?
Just imagine: ideas that flow through your company are worth a lot of money. When these ideas are stored in an online platform, it’s imperative that you make security a top priority when choosing a collaboration tool.
Most vendors would disclose just how secure their platforms are so you simply need to browse their FAQ section before you make the decision to sign up.
5. Does the tool answer your team’s specific problem/s?
Different teams have different needs. Before you choose a collaboration tool, take time to analyze how your team interacts first.
Do they prefer to use real-time chat rooms as a venue to collaborate? Do they like to use emails to coordinate on projects? Do you have remote workers whom your team need to video call often?
By knowing how your team collaborate, you will be able to choose the tool that best fit your business.
Some full-featured collaboration tools available in the market today focus on the real-time interactive side of working together. They showcase chat or commenting functions so that teams can talk about what they are working on as they work on them. If your team loves to chat, these are tools you may want to look into.
Speaking of work to get done, there are also platforms that come with handy checklists or to-do lists. These can prove quite useful for teams that love to tick items off after finishing with certain tasks.
If your team is also using Google Drive, Dropbox, and other online tools, you might want to invest in a collaboration tool that allows for integration.
Another factor that you might need to consider is whether a tool allows for secure business to business collaboration. There are tools that can be used only by one team or company. There are some, like Dead Drop, that are suitable for collaboration with external entities, such as clients, business partners, and other parties who may not be part of the company. These types of tools are quite useful for collaboration beyond only one team.
If you find a collaboration tool that has the right answers for these questions, consider yourself lucky. You and your team will be well on your way to accomplishing many goals. Of course, we reiterate that you take advantage of the free trial offers first. A trial is a good test whether a program is a good fit for your team.
Go forth and dive into the wonderful world of collaboration tools. Trust us, one or two will make your work life much better.
February 1, 2018
We’re all aware of the problems that existed prior to the introduction of Omni channel retailing. It is something that most businesses have to deal with on a regular basis (at least the ones who haven’t adopted Omni channel strategies anyway). But the truth of the matter is, with the rapid shift towards Omni channel retailing, it has changed the entire landscape for retail, even with local businesses. So let’s discuss what significant changes were enacted with this medium of retail.
Changes brought about by Omni channel retail
Omni channel retail focuses primarily on consolidating the brick & mortar and the online experience in one platform. It the convenience and ease of online shopping, merged with the versatility of the offline stores. Omni retailing is heavily dependent on IT and it is projected that by the year 2020 there will a massive growth in IT budgets for Omni-Channel marketing platforms. And not just that, Omni Channel Retailing is set to bring about a huge reform in the way customers and businesses interact with each other. It is estimated that 90% of all sales are still done via Brick and Mortar mediums and so with the introduction of Omni channels, it is deemed to grow even more So what significant changes does it introduce in the mainstream? Let’s discuss it with the eye of both the customer and retailer.
Changes for Customer
- More information: The customer has access to a huge database of information about the products just like they would in an online store. This inspires the customer to buy with more confidence.
- Product Enquiry: Since the customer can check for product availability beforehand, it becomes easier for them to book products in advance if they have lower stocks. Also they can compare products before they actually buy it, so it saves time.
- Time Saving: In an Omni Channel retail system, products are catalogued beforehand; hence, it becomes easier for them to find it, if they are shopping in the traditional fashion.
- Convenience: Because in an Omni Channel system, you can shop both offline and online, it becomes easier for the customer to shop according to their time schedule.
Changes for the Business:
- Confidence Inspiring: Because businesses can build offline retail stores for their products, it inspires more confidence for the customer to stick to that brand. It also means that the business is doing well in the eyes of the customer and that they won’t be going anywhere soon.
- Targeted marketing: With the help of Omni Channel distribution and marketing, businesses can gather more information on the customer and their shopping habits, leading them to display more relevant or targeted ads at the customer.
- Tracking Trends: Since the business has more data now, they can keep track of product selling trends and effectively improve their existing inventory for higher profits.
- Better customer support: Again, the data gathered from various channels can be converted into knowledge for the ground staff and they can be more efficient.
- Converting Traffic: The personalised ads means that there is higher chance for the business to turn online traffic into foot traffic and use cross sell and up sell opportunities, all under one platform.
Certainly, Omni channel distribution is the way forward for any business. The prospect of having more customers shop at their convenience is always a boon and it effectively increases the total business profits and keeps it relevant.
January 27, 2018
After the success of Xiaomi Mi band 2, sales champion, the first photos of the next band for sportsmen Xiaomi Mi Band 3 appear on the web.
Expected by many users, record-breaking sales of its predecessor the Xiaomi Mi Band 3 will inherit the excellent atmosphere and design of all the products of the Chinese giant.
Xiaomi Mi band 3 Launch
The rumors behind the release of Mi band 3 are different, but unfortunately, there is still no confirmation of the date of launch of this activity tracker. The months pass and after the first appearance on the net check also the expected launch price.
Xiaomi Mi Band 3 features
The Xiaomi Band in addition to the classic functions li the e pedometer, recording and analysis of sleep, smart alarm clock, heart rate sensor and app notification to the wristband, Band 3 will introduce the NFC feature even allowing you to monitor household appliances. The other novelty is certainly the presence of a slot that can accommodate a phone SIM that will allow you to make and receive calls directly from the Band.
Battery life? The Xiaomi Mi Band 3 will be able to obtain a superior autonomy of its predecessor reaching over 30 days with only one recharge.
Xiaomi Mi band 3 price
The price of the Xiaomi Mi Band 3 will be 199 yuan, about $ 32, an amount clearly in line with the other Xiaomi products, the Mi Band 2 is now being sold for $ 25, although numerous advantageous offers can be found.