Habits Of Financially Smart People

There are certain ways (habits) people who desire financial independence and freedom live to ensure they achieve this desire. Jumia Travel, the leading online travel agency, shares some of these habits of financially smart people.

They Have a Budget

The concept of budgeting might be daunting but it is extremely important to help efficiently and effectively manage your finances. Without a budget, you are going to end up falling into the pit of financial irresponsibility. A budget is just too important to be ignored. Having a budget will make it easier for you to see where your money is going and help you better direct it to where you want it to go. Just be sure to be disciplined with your budget and actually let it guide your spending, as opposed to it just being drawn up for decoration.

They Avoid Impulse or Emotional Purchases

Impulsive purchases might indeed be very tempting but financially smart people have mastered the art of overcoming these temptations and delaying purchase until they’re sure that they really want the item (s) and can afford it. Typically, they apply the 24-hour rule (which is one of the best ways to combat the habit of impulsive purchases) when they want to make such impulsive or emotional purchases. Before making the purchase, they go home, think about the item and if they really need it, and then they check their budget to be sure they can afford it before they eventually return the next day to make the purchase or decide it is unnecessary and not make the purchase.

They Don’t Take Their Debit Cards Along With Them Everywhere They Go

This is one of the smartest financial moves that you can make to ensure that you restrict your spending to what your budget stipulates. It is just way to easy to spend more than anticipated when you carry your debit cards. However, if you stick to carrying cash most of the time, it will be easier for you to restrict your spending to the amount you have on yourself at that moment.

They Live Within Their Means

This can really not be overemphasized. Living within your means is such an easy concept that is unfortunately so hard for most of us to employ, mainly because it requires a lot discipline. There is simply no better mark of financial smartness than being able to successfully live within your means. Living outside your means is actually a bad habit that can end up drowning your finances and leaving you in a financial mess. Financially smart people know to ensure that in all circumstances they live within their means, and within what they can conveniently afford.
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All You Need To Know About YouTube Red, Premium Services and YouTube Music

Good day readers, in this article today you'll learn about all the major factors and the differences between YouTube Red, YouTube Music and YouTube Premium.

Few weeks ago, Google launched YouTube Music and YouTube Premium. They both has almost the same features but Youtube music is a music streaming service just like Google Play music, while YouTube Premium is also a music streaming service with additional ad-free streaming experience.

Google on its own likes giving too many different names for too many services, making them very confusing. Here's all what you need to know about YouTube Music, Youtube Red and YouTube Premium.

YouTube Music

YouTube Music is a competitor to Spotify or Apple Music. Users can sign up, stream music, or watch music videos on YouTube, all within the app. There are two different plans. A free, ad-supported plan, and a $9.99 (AU$11.99, £9.99) plan for those who want background playback, and the ability to download music without ads.

YouTube Red is now YouTube Premium

Remember YouTube Red? It's no more. The ad-free YouTube service is now called YouTube Premium.

What is YouTube Premium?

YouTube Premium on the other hand includes everything you can find in YouTube Music subscription, which includes but not limited to an ad-free YouTube experience and access to YouTube Original content. YouTube Premium is a paid streaming subscription service for YouTube in the United States, Australia, New Zealand, Mexico, South Korea, Austria, Canada, Finland, France, Germany, Ireland, Italy, Norway, Russia, Spain, Sweden, and the United Kingdom. You also gain the ability to download YouTube videos for offline viewing.

YouTube Premium is priced a little higher than YouTube Music, starting from $11.99 (AU$14.99, £11.99) per month.

Google Play Music

When you sign up for YouTube Music or YouTube Premium, you automatically have access to Google Play Music and all its full features.

Unfortunately, your music library and playlists remain separate in the two services. Hopefully, Google is working toward merging the two and we'll be able to move forward with one solution.
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Things You May Not Have Realized Your iPhone Is Tracking

Your iPhone tracks you, your activities and surrounding with or without your permission. The good news is that it is harmless. Jumia Travel, the leading online travel agency, shares some things your iPhone is probably tracking, whether you know about it or not.

Your location

Your iPhone is likely tracking your location. In some cases and by default, the device saves a list of frequently visited locations to improve its Maps service. To check in on your frequent locations, open up the Settings app and select Privacy. Then, tap Location Services and scroll down to find System Services. From that menu, find Frequent Locations. To stop this, never forget to turn off your location.

Your phone usage habits

Siri does her best to understand users’ routines to better assist their day-to-day life. However, your iPhone performs similar duties in other ways, too. For instance, if you tend to use one app to listen to music above all others, your phone may well have noticed. When you plug in your headphones, you’ll see that app appear in the lower-left corner of the screen. Swipe up over the icon, and it’ll open automatically.

Apps that drain your battery

It can be very annoying when your iPhone battery drains quickly, and you don’t know the cause. Your device is actually tracking which apps are the most taxing, but you might not know where to find this information. Open the Settings app and tap Battery. Scroll down and you’ll find Battery Usage data, which you can view for the last 24 hours or the last seven days. This is a great way to figure out which apps to avoid when the battery does not run out quickly.

Your step count

Most of the records in the iPhone’s Health apps which require some kind of input from the user, but not so with its pedometer functionality. The app tracks your step count since you got your phone. Obviously, it’s much more accurate if you keep your device in your pocket, but even if it’s typically in your bag, you’ll be able to gauge when you were more and less active.
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Dell Launches World’s Most Powerful Laptop

Dell has launched the Precision 7730 Mobile Workstation Developer Edition laptop. Powered by the latest Intel Core or Xeon processors, the Dell Precision 7730 Mobile Workstations feature blazing-fast RAM, professional AMD or Nvidia graphics cards, and are certified for the Red Hat Enterprise Linux 7.5 operating system. The device, which ships with Windows 10 or Ubuntu Linux 16.04, is called the world’s most powerful mobile workstation by Dell.

Features of Dell Precision 7730
Intel Core Xeon E-2186M 6-Core CPU
Nvidia Quadro P5200 16GB GPU
ECC – 64GB DDR4 2,400MHz RAM
Non-ECC – 32GB DDR4 2,666MHz RAM
2TB M.2 NVMe PCIe SSD (x4 – optional RAID 0,1, 5)
6-Cell 97Wh Battery
17.3-inch FHD IPS Display
Ports on the laptop include a headphone jack, USB 3.1 Gen 1, HDMI, Mini DisplayPort, RJ45, Thunderbolt 3 Type-C, and an SD Card slot.

For the price, it goes for $11,500 (N414,000)
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How To Re-download Deleted Media On Whatsapp

This update was recently added and works for all the media files. WhatsApp is working and improving daily sometimes when you delete media from your galleries stored by apps like WhatsApp because you are running out of storage only to find out later that you need to the check that image again.

The good news is that WhatsApp can re-download deleted media that was deleted from the device’s storage. This new feature is currently working on deleted images, gifs, documents, video, and audio files, which means you can get back whatever you had deleted previously from your phone’s storage (through the gallery or a file manager, not from WhatsApp itself).

How To Recover WhatsApp deleted media (Pictures, videos, mp3 etc)

>>Go back to the conversation in WhatsApp and you’ll find the blurred thumbnail there with a download button again. Tap it, and you’ll have your images back. I’ve tested it with images, GIFs, videos, audio, and documents, so you should be able to get back anything you mistakenly erased.

To get this new feature if it’s not already active on your device, download the latest WhasApp version 2.18.205 here or from Google play store.

Other latest features recently added are the Admin Power, Media Visibility and Group audio calls.

We are still expecting more updates in the coming weeks. Whats your take on this?
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Now You Can Top Up Airtime, Data and Pay Bills With 9pay; 9mobile Payment Platform

In cooperation with Bango, one of the leading global mobile payments company 9mobile has officially launched a new operation billed payment solution for Nigerians known as 9pay. 9pay is a smarter and most convenient way to pay for any digital services online.

What You Can Do With 9pay

You can buy data and airtime for all network
Send money to bank account or phone number
Pay bills like Electricity bills, DStv, Gotv and utilities bills
Pay for movie tickets, pay for hotel, travel, online stores and more.

How To Get Started With 9pay

You can create an account by dialing *500# or by visiting their official website 9pay.com.ng. All funds are securely handled by UBA PLC.

Chief Product and Information Officer, 9mobile, Otuyemi Otule, noted that 9mobile was happy to expand its mobile payment solutions in Nigeria, which has a combination of a highly unbanked and highly mobile-first population.

He added that 9mobile’s 9pay offers millions of consumers a means of making important financial transactions, including sending and receiving money, receiving cash from merchants, topping up data or airtime and much more.
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NNU Income Program Review Make Up To N50,000 Monthly

Recently I was looking out for some legit online money making opportunities on the web and encountered a new website referred to me on an online forum. The website name was NNU. So I signed up for it and to my amazement, the whole system is so friendly that you can get started and start making money within a day. Keeping all of this in view, I decided to write a complete NNU Review in order help out you guys if it’s a legit money making opportunity or not.

Over the years in my struggle of finding and signing up for many legit (as well as not so legit) online money making websites, I've grown skeptical of the claims that many websites put forth. With numbers of fraudulent websites out there, I think it’s a quite natural behavior. Secondly, this is what maturity and experience mean. Sit back, observe, analyze, learn from others experiences and then act. Don’t just jump on the bandwagon and sign up on any website which guarantees to make you rich overnight.

Now on this post, I want to show you a new investment opportunity you can use to make money online in Nigeria and outside Nigeria as well. You can earn up to ₦50,000 monthly just by sharing statuses, commenting on posts. This is just an estimate of how much you can earn. You can earn even more, depending your activity.

Introducing to you NNU income program, below you will see the review of this legitimate business and how you can make money with it. This article is an NNU Review that I’m sure you guys will find helpful to decide if it’s a legitimate income opportunity or a scam.

So I did the same for NNU as well (researched and decided to try out). As soon as I came to know about it, I started searching for the reviews that were available online in order to make sure that I will not be ripped off. Once satisfied, I signed up for it and It’s been about a couple of months since I joined this website and this below is the experience that I've had so far.

Now to the biz of the day, with this legitimate online business in Nigeria where you can make at least N50,000+ [depends on your activeness] doing just a few tasks such as posting a status on Facebook, leaving comments on posts by sharing your views.

Read This Also : Blogging As A Business

This is a very honest review on nnu.ng program and not some random review on Google. This program is legit so chill and read on. This is one of the best ways to make money online in Nigeria right now and I want to show you exactly how to do it easily and fast.

First of all, what's this  nnu income Program?

Do not be mistaken this is not Ponzi Scheme or some other programs that requires you to make a sale or get too many downlines before making tangible cash.

The nnu income opportunity is sponsored by nnu.ng website. One of the largest Nigerian news website in Nigeria where you go to read latest news on politics, sports, entertainment, tips and tricks for a living and lots more.
This website has been setup by its owner Paul Samson and ready to feed you with the latest Nigerian news.

Although they've gained some level of popularity, they still need you and I to help broadcast them on Facebook and other social media and that’s why they are ready to pay. Understand this simple logic, you not read information about what is going on in your country but as well pay you for being a part of the community. You can actually get paid to write, comment on posts, share the posts on Facebook and lots more.

The Amazing Thing is this:
While other websites like naij.com only allow you read the latest Nigerian news without paying you anything, nnu income opportunity beats it.
If you join the program right now, you will earn as much as you like every day just by sharing on Facebook, commenting on nnu website posts or posting your own articles. The more members post, comment and share posts, the More Money.
That’s how nnu make their money too. So it’s all about Interaction or participation.

Is NNU legit?
Well from thousands of testimonies I've witness online, offline and even myself, I can boldly say they are completely legit and trustworthy!.

How to Make Money with NNU income program
You may be asking “how then can I make money from NNU?”.
Many people are cashing out monthly and there are different ways to earn on the Nnu Income Program (NIP).

This is the best ways to make money on the nnu income program according to the official website itself.
As a participant, you have 4 options to earn more money to your bank account every month on NNU Income Program.

1. NAP: As an affiliate, you earn 62.5% per each referral. When you introduce your friends to participate on NIP, you earn N1,000 Naira from their entry fee/product purchase and becoming part of NNU Community. In future when we will be having more valuable products, you will be earning more commission per sales.
NARS: As a participant, we share ad revenue with you when you take part of NNU activities monthly.

2. Active daily login: When you login to your account daily on NNU browsing and reading news, you earn N50 or more depending on daily revenue share.

3. Commenting and Contributing: When you browse each post, read and contribute your view by comment, you earn from N1 and above on each post you commented depending on daily ad revenue.

4. Sharing sponsored post on Facebook: As from November 1st, we assign a sponsored post to members in their dashboard to share on their Facebook timeline, you earn 50 Naira daily on assigned post you share as recommended. As a member, you are not allowed to share any post news to earn except the assigned sponsored post. Unless you wish to share any interesting post with your friends on social media. We assign a particular post to members on daily basis which we only pay for. On pay day, your Facebook timeline will be reviewed to see if NNU assigned sponsored post is present on your timeline, calculate and pay you including other activities and affiliate earning with our monthly revenue share.
– According to nnu.ng.

How to Signup for Nnu income Program. Please NB I would honestly ADVISE you to register with a coupon, although there are other payment methods to sign up.

Step 1: Click HERE to register
Step 2: After registration, you need to purchase the NIP Pack of N1,600. You can either buy it using your card online or you’d be provided with bank details where you can pay to or online payment.
Step 3: Pay and your account will be approved.
Step 4: No more step, that’s all.

Now after your account has been approved, you can start taking part commenting on posts, writing your own posts, sharing the post on Facebook.

 I hope this detailed nnu income program review will get you going, making money online in Nigeria easily. If you need any advise comment below.
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How To Send a Text Message From a Computer

Sending texts from your computer is extremely useful in dozens of situations and contrary to what people think, sending SMS messages from your PC is easier than you might think although you may not realize it.

Perhaps you lost your phone and need to send a message to someone, maybe you’re over your monthly text limit and still need to get in touch with your friends, or you may just hate typing on a tiny keyboard. Whatever the case may be, it’s easier than you might think to learn how to send a text message from a computer.

There are hundreds of online services out there that’ll get the job done, but none of them are quite as simple and reliable as the methods outlined below.

The good news is that both Android and iOS offer ways to sync your text messages between your smartphone and your computer. In the case of iMessage, however, you’ll need a computer running MacOS to take advantage of the iOS implementation.

How to send texts via Apple’s iMessage (iOS and MacOS)
Though iMessage formerly only handled iMessages, later iterations of Apple’s operating system include an option specifically designed for forwarding SMS messages directly to your Mac or another iOS device. Once properly set up, you’ll be able to quickly send messages from your computer to any known number using the Messages app on your machine — and receive them in a similar fashion without ever glancing at your phone.Message iOS 8

Step 1: To set up iMessage and SMS forwarding on your iOS device, navigate to the main “Settings” menu and tap “Messages.”

Step 2: Toggle on “iMessage” and ensure you’re logged into the same iCloud account as all other devices using Messages. Also, make sure all of your devices are connected to the same Wi-Fi network.

Step 3: Tap “Text Message Forwarding”, toggle the switch directly right of the Apple device to which you want to send SMS messages, and then enter the six-digit confirmation code displayed on the device. Doing so will confirm that you want to send and receive messages from your iPhone on your Mac, and confirm you own the machine.

Once everything is set up, you can send text messages by clicking the pencil icon located above the contact list, entering your desired recipients, and composing the message as you would normally. However, keep in mind that the standard text message limit of 160 characters still applies even when using Messages. A text longer than 160 characters will likely count as two for billing purposes, or more depending on how long it is.

However, you can send messages to other iOS and MacOS users for free, as long as they use Messages. Keep in mind that you can always tell the difference between a text message and an iMessage at a glance, as the former will appear in green and the latter in blue.

How to send texts via Android Messages (Android)
Android Messages lets Android smartphone owners text straight from a web interface, no matter what device they’re using. It works on desktops, laptops, or even iOS devices. You do have to set Android Messages as the default app on your phone though, so make sure to do so before getting started.

Step 1: Go to the Android Messages homepage.

Step 2: Open the Android Messages application on your phone.

Step 3: Tap on the three-dot menu icon and select “Messages for Web.”

Step 4: Tap “Scan QR code” and use your handset to scan the QR code from the Android Messages homepage. This will link your device and your browser, and you’ll see messages and contacts appear on your other device as they synchronize.

Step 5: Use the web interface to chat with friends and family as you would on your Android smartphone.

If you want to retain the synchronization between devices so that you don’t have to scan the QR code every time, you can hit the “Remember this computer” toggle in your web browser.

How to send texts via PushBullet (Android)
As an alternative to Android Messages, you can use the app Pushbullet as a workaround. Pushbullet does many things, but one of its best features is its ability to send texts from your computer using your Android phone.

Step 1: Install the Pushbullet app on your phone.

Step 2: Install the accompanying Windows app or the browser extensions for Chrome, Firefox, or Opera.

When a text comes in, you’ll receive a notification, which you can click to begin a conversation using the sleek window shown above. You can also browse your most recent conversations from within the PushBullet interface.

If you use an Android phone (or an old Windows Phone) and Windows 10 on your computer, you can easily send a text using Cortana. Just start typing the word “text” in Windows 10 search bar, followed by the person you’d like to contact. Assuming your computer and your phone are both signed into the same Microsoft account, Cortana will figure out who you want to text and ask you what you’d like to say.

Windows 10 devotees using Cortana on their Android device can also send and receive texts in a similar manner and the latest versions even let her read them for you.

Step 1: To send a text using Cortana on the desktop, make sure the recipient is listed within the People app. If your chosen recipient is not listed, launch the app and click the addition sign to add said recipient to the Microsoft Account database.

Step 2: Make sure the linked Cortana app on your Android device is set to push and receive text messages to and from your PC. Start by heading into “Settings”, then “Sync notifications,” and make sure “Apps notifications sync” is switched on.

Step 3: Tap “Choose which apps to sync” and select your device’s messaging app.

Note: You can actually enable any messaging app to send and receive messages, including Facebook Messenger, allowing you to quickly respond to a message from any PC running Windows 10.

Once both platforms are configured, you can send a text message to a Microsoft Account contact by simply saying or typing the word “Message” in Cortana’s text field in the Windows 10 taskbar. Cortana will then expand and provide fields for choosing your desired recipient, typing your message, and choosing the SMS option.

Users can actually expand on that command with “Message Blah Blah” or “Text Blah Blah,” which will allow you to automatically select a recipient. You can even take things further, too, if you want to include additional context. For instance, you can say “Message Blah Blah Did you already leave for work?”

As for receiving texts, the Android iteration of Cortana will forward texts to a Windows 10 PC, which will then appear as pop-up notifications in the right-hand corner of your screen. Users can reply to the message from directly within the notification, assuming only one message was received. If multiple texts arrive at the same time from the same sender, then the notification will not provide a text field for your response.

Like the Windows Phone version of Cortana, there’s no way to browse older texts in Windows 10. It’s a great way to reply to a single incoming text, however, and to send a single outgoing text without having to pick up your Android device. Unfortunately, the feature is not really meant for full conversations. Also, keep in mind that this service requires you to be running at least the Windows 10 Anniversary Update.

If you weren’t already aware, there’s a bevy of free websites designed for sending text messages from your computer to a phone number of your own choosing. Sadly, many of these sites require you to register for an account in order to use their features, or, at the very least, provide a valid email in order to receive responses.

They’re also lined with spam, and may potentially sell your information if you consent to their terms of service, which you likely have to in order to use them. Sites such as Text ‘Em, Send SMS Now, Txt2day, A Free SMS all essentially do the same thing, but should really only be used as a last resort. Proceed at your own risk.

If you do go this route, you’ll typically need to select the appropriate country from a drop-down menu or map before entering the phone number you’d like to reach. Standard messaging rates still apply, but most sites designed for texting will showcase a basic character counter so you’ll know when you top the 160-character cap. Afterward, simply click the “Send SMS” button or a similar button thereof to send your message.

As our last option, you can send an SMS to a mobile phone without the need of a third-party service — you can do so directly within your email client. Instead of using a service you don’t know or trust, you can deliver a short email in the form of a text message by using an email to SMS gateway. So long as you know the person’s phone number and the name of their service provider, you can easily find the appropriate gateway address that will forward your message.
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Instagram Launches Instagram Lite For Entry Level Smartphones

Instagram is a photo and video-sharing social networking service managed by Facebook Inc. It was developed by Kevin Systrom and Mike Krieger, and launched in October 2010. In 2015 Facebook launched Facebook lite and had over 200 million users in 2017, and that this opened the way for the entrance of messenger lite last year.

Instagram which is also owned and managed by Facebook, has also rolled out Instagram lite for entry-level Android Smartphones with less storage, like Android Oreo Go Edition devices.

The app is just 573kb compared to the 32 MB standard Instagram app for Android. The app has all the features that are available on the mobile web app, including Stories, Explore tab and more. The company is planning to add messages and share videos soon.

Instagram lite takes up less space on your device, uses less data, and starts faster. According to the company, Instagram is testing Instagram lite first in Mexico before it will be rolled out to other countries.

Major Highlights of Instagram Lite
*Post photos you want to keep on your profile grid and edit them with filters.
*Share multiple photos to your story. Bring them to life with text. They disappear after 24 hours and won’t appear on your profile grid or in feed.
*Watch stories from the people you follow in a bar at the top of your feed.
*Discover stories, photos and videos you might like and follow new accounts on the Explore tab.
*Coming soon, you will be able to message friends and share videos as well.

You can download it from playstore HERE. Enjoy! What are your thoughts on this?

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