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How to Annotate PDFs With Wondershare PDFelement Version 9.0

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Дмитра Врачарић
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Wondershare PDFelement is the latest version of Wondershare’s free PDF editor, and it’s packed with new features and improvements. One of the most noticeable changes is the all-new user interface, which is more intuitive and easier to use than ever before. PDFelement also includes a number of powerful new features, such as the ability to manage PDFs across multiple devices, convert PDFs to other formats, and protect your PDFs with password encryption. And if you need to access your PDFs on the go, PDFelement has you covered with its new mobile apps for iOS and Android. With Wondershare Cloud, you can easily store, sync, and share your PDFs across all your devices – no matter where you are.

With its new and improved features, Wondershare PDFelement for iOS makes it easier than ever to annotate PDFs. You can also add comments to annotations, which makes it easy to collaborate with others on a document. Once you’re finished annotating, you can save the document locally or in the cloud for easy access from anywhere. This blog post will show you how to annotate PDFs with PDFelement.

How to Annotate PDFs

1. Comments and Notes

PDFelement supports adding comments and notes to PDFs, a function that is widely used in scenarios involving reading PDFs. For example, when reading important conference materials, papers, or books, you may want to add comments or notes. This feature allows you to highlight important passages, ask questions, or make general comments. Adding comments and notes is a great way to engage with PDF documents and make sure that you don’t miss any important information.

PDFelement not only supports commenting on PDFs but also has a variety of other features to make your reading experience better. For example, you can use the search function to find specific words or phrases in the document. You can also sort your comments by date or type, making it easy to find the information you need. Additionally, you can choose to filter your comments, which will help you narrow down the results and make it easier to find what you’re looking for. Finally, you can choose to show or not show your comments, which will allow you to customize your reading experience according to your needs. With all these options, PDFelement is the perfect tool for anyone who wants to comment on PDFs.

PDFelement also provides a variety of tools for annotating and editing PDF files. With the annotation tool, you can highlight text, add sticky notes, and even draw directly on the document. These annotations can be shared with other users, making it easy to collaborate on a project. You can also use the built-in search function to quickly find specific annotations. In addition, PDFelement lets you create new files that contain only the annotated pages of the current document. This is a handy way to share only the most relevant information with others. Whether you’re collaborating on a project or simply want to provide feedback on a document, PDFelement’s annotation features make it easy to do.

2. Text Markup

Do you often find yourself needing to mark up a PDF document? Whether you’re collaborating on a project or simply making a personal note, PDFelement makes it easy to add text markup to your PDFs. With the highlight tool, you can easily select the text you want to emphasize. For more complex markups, the area highlight tool lets you draw custom shapes and add comments. And if you need to change the color of your markup, the color absorber tool will help you choose the perfect shade. With PDFelement, adding text markup to your PDFs is simple and efficient – just the way it should be.

3. Measuring Tools

It is not easy to take measurements on PDF due to the fact that you cannot just take a physical ruler and lay it on the document. However, with PDFelement’s measuring tool, this process becomes much easier. The measuring tool can help you measure distance, perimeter, and area on PDF. This is extremely helpful for architects and designers who often need to take measurements of various objects on PDF documents. With this tool, they can easily get accurate measurements without having to print out the PDF or use a physical ruler. This makes the process much faster and more efficient. Additionally, the measuring tool is also helpful for those who need to measure distances for maps or other purposes. Overall, the measuring tool is a very useful feature that can make working with PDFs much easier.

4. Shape and stamps

PDFelement supports the addition of various shapes to documents in order to produce rich document effects. There are many common types of stamps, such as “Approved”, “Rejected”, and “Draft”. You can also create and manage your own stamps. For example, you could create a stamp for “Confidential” or “Top Secret”. To add a shape or stamp to a document, simply select the “Shapes” or “Stamps” tool from the toolbar, and then click on the desired shape or stamp. PDFelement also allows you to rotate, resize, and delete shapes and stamps. This makes it easy to customize your document to achieve the perfect look.

5. Other annotation functions

In addition to the basic annotation functions like highlighting, underlining, and adding notes, Foxit PDF Reader also allows you to add attachments to your PDFs. This can be useful for attaching related files or for providing additional information that might not be readily apparent from the PDF itself. To add an attachment, simply click the “Attach File” button in the “comment” toolbar and select the file you wish to attach.

Another useful annotation function is the ability to create a hand-written signature. This can be used to sign documents electronically or to simply add a personal touch to a PDF. To create a signature, click the “Handwriting Signature” button in the “comment” toolbar and then draw your signature with your mouse or trackpad. Once you’re satisfied with your signature, simply click “Done” to save it.

Verdict

PDFelement is a comprehensive PDF annotation tool that can annotate PDFs with ease. The program offers various annotation tools, including comments and notes, text markup, measuring tools, shapes, stamps, etc.

Annotating PDFs can be helpful in a number of ways. It allows readers to leave comments and feedback on documents, make corrections and suggestions, highlight important points, and more. PDFelement9 is easy to use and offers all the features needed for effective annotation. The program is available both as a desktop application and as a cloud-based service. HiPDF is also a great option if you want an online solution for PDF. With its intuitive interface and easy-to-use tools, PDFelement is the perfect solution for all your PDF editing needs.

Why Do Surfers Often Wear Wetsuits?

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Дмитра Врачарић
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It’s a common question that gets asked by many people who don’t surf. The short answer is that surfers wear wetsuits to keep themselves warm in colder waters.

In this article, we’ll unpack the topic in more detail. We’ll look at wetsuit dynamics, the benefits of wearing a wetsuit, and the drawbacks.

Source: mares.com

How Does A Wetsuit Work?

Wetsuits keep surfers and other swimmers warm by warming the thin layer of water that sits between the inside of the neoprene and your body. When a wetsuit admits this water, your body temperature will gradually raise the temperature of the water over a few minutes.

Wetsuits generally imply a somewhat more relaxed start, but things warm up from there. As you move around, the water then adapts to your body temperature.

They are tight-fitting and can keep only a small amount of water in. They also cling to you tightly, keeping your body heat safe.

Suits are a fantastic example of engineering and innovation, which means that watersports enthusiasts such as surfers can truly accomplish things that would be impossible without them.

Why Are These Black?

Wetsuits are almost always black since this color helps retain more solar energy, keeping the surfer warm. They’re also black because most neoprene is typically produced in black, which aids in cost savings.

Source: padi.com

What Are The Advantages Of Surfing In It?

The three significant advantages of wearing a suit when surfing are:

  • Warmth
  • More time in the water
  • Enables you to surf all year round

They provide warmth, allowing surfers to surf dynamically. Consider plunging into an ice bath versus a mild, somewhat warm bath, and you’ll see that extremely chilly water can make you tense up and lose much of your flexibility.

However, if you wear a suit when the water temperature is lower, your body can keep more heat. This enables you to surf freely and attempt new tricks.

These enable surfers to stay in the sea for longer, which is always a plus if you want to enjoy as much time in the water as possible without feeling chilly and damp. They also allow surfers to venture outside in locations and climates that would otherwise be impossible.

Wetsuits for surfing were only developed in the late 1970s, before which people couldn’t even try surfing throughout much of the winter season across the world. Today, surfers are surfing all around the globe, 24 hours a day, seven days a week, 365 days a year. This is thanks to their wetsuits and the development and improvements in them.

These have also allowed surfers to ride waves in places near and far where water temperatures are too low for conventional surfing.

Click here and learn more about wetsuits.

Source: theguardian.com

Wetsuit Material And Construction

These are made from neoprene, a stretchy synthetic rubber material. The wettie (you like that cool surfer speak?) is made out of several of these pieces of neoprene stitched together to cover the desired body parts. Wetsuits come in many forms, including shorties (the wetsuit has short legs and arms) and full suits; some even have detachable arms and legs.

The neoprene of these suits comes in different thicknesses, from 2 to 6 mm. The thicker the neoprene is, the warmer the suit will be. Note that some surfers who brave icy conditions usually wear a semi-dry suit, which isn’t made out of neoprene at all. Now they contain heating elements.

Your average suit will have a zip, making it easier to get in and out. This can be the most exhausting part of your day with an exceptionally tight suit! The zips are situated in different places on the suit. They’re traditionally found down the back of the wetsuit, but they can also be found across the shoulders or high up on the chest. The latest ones are such stretchy neoprene that you can get in through the neck. Pretty cool stuff.

Stitching And Sealing

It can be sealed together in various ways, depending on the wettie’s design. Some different methods of stitching and sealing are blind stitching, taped, glued, flat locked, and heat sealed. Interesting, isn’t it? Anyway, what type of diving suits you wear depends on the conditions you will be surfing in.

Source: wetsuitsyou.com

Are There Any Disadvantages To Surfing In A Wetsuit?

Owing to their tight fit and ability to absorb water, these suits make movement more difficult. These features render surfing less pleasurable in all situations, as we’ll see below.

Wetsuits are made from neoprene panels stitched and glued together to form a human figure. The neoprene must be at least 1mm thick to function as a wetsuit, with winter surfing or “steamers” requiring up to 6mm thickness. The heavier a surf suit is, the less flexible it becomes. As you can imagine, the thicker a surf wetsuit is, the heavier and less flexible it becomes.

These are also not recommended because they are thicker in colder waters, but the cold causes your body to struggle to move more, so it’s a double punishment for your suit and your body’s response to the chilly water.

Wetsuits not only retain water, but they also absorb it by design. A wet wetsuit can double in weight. This has much more of a feel of wearing a weighted vest for resistance training than simply wearing a bodysuit!

With this in mind, you may infer that surfing with a wetsuit reduces the dynamic motions required for surfing waves and necessitates more work for the surfer wearing one.

However, this is often a necessary compromise for surfers in colder climates who cannot surf due to the weather. Due to the freezing temperatures, many would watch from the beach without a wetsuit.

Conclusion

Buying a new wetsuit can be a fun experience. It can take some time to sort through all the information, but all the research and effort will be worth it when you are chasing waves in your brand-new wetsuit!

Is It Cheaper To Print At Home Or At A Print Shop?

By
Дмитра Врачарић
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When you are thinking of getting your material printed, it mainly depends on how much paper you want to get printed. If you want to print the material for your firm, then printing at your home can be a little problematic, and in that case, you can visit a print shop. Your firm needs printing to function. No matter what sector or size your firm is, printing will almost certainly be a must. You could use business cards, signage, banners, letters, or invoices to clients, as well as marketing brochures. If you are doing it on a larger scale, then you must rely on a good printing agency because you can’t do it in your home.

Nowadays, the majority of people own printers, whether they use them at home or at work. Do they, however, genuinely meet your company’s needs? In addition, is hiring someone to do it for you cheaper than doing it yourself? It does not usually fulfill all your needs. Further in this article, we will talk about all the things or factors that can help you out in deciding whether you should use your home printer or get it printed from a printer shop.

Source: pinterest.com

Consider The Following Factors When Selecting The Best Printer For Your Needs:

Let’s check out some of the important things you must keep in mind while making your decision between using the printer at home or getting it printed from a shop. You should know where you can get it printed so that you can get it done at the most economical price.

Prints In Large Sizes:

As a small or medium-sized business, you are likely to have printing requirements that exceed the capacity of a standard office or home printer. You can’t have a large-sized print from your home printer, and for that you have to rely on a print agency or shop that can assure you of giving you thousands of copies at economical prices. For example, you may require promotional items such as banners, large window posters, pamphlets, leaflets, and so on, which are not typically produced at home. You might also want to print things on materials other than paper. It is not easy to do all this work through a home printer.

This is where a commercial printer who specializes in wide format printing comes in handy. They know how to handle it and give you the right print output that you require. They can help you print banners, life-size photographs, vinyl graphics, metal and plastic prints, and more. They will ensure that you receive all of the materials in the best possible condition.

Source: phillysoapbox.org

Convenience And Hassle:

Aside from the cost, one should always consider the ease and convenience of printing at home versus printing outside. Even though printing at home might sound easy, it is actually not true because there you have to do the whole work, whereas when you approach a printing agency you only need to give instructions. The printing service will provide you with the expected result at an affordable price.

If your printing job causes you too much trouble, such as printing jobs with many different settings, heavy printing, binding, or any other type of side work other than printing, you should save some time and let the professionals handle it. After all, as corny as it may sound, saving time means saving money. It is really important to reach out to a good company that can assure you that you get the best prints, and if you are in search of Best Online Printing Services, then you can learn more about it here.

Recognize Your Requirements:

How can you be sure that the printer you are using will provide you with the materials that you want without asking you for a lot of money? You need to be sure what your requirements are. You just have a simple use of normal printers or you want to have a large number of printing requirements for which a print shop or agency will work. Know your needs and requirements clearly so that you invest your money in the right printer.

Printers are classified, priced, and optimized for specific purposes. As a result, while some print excellent photographs, others are better suited to documents. There are a number of categories, and that is the reason it is important for you to know the need for it so that you choose the right one and save your money as much as you can. Because the printing volume in the office is much higher, home printers are designed differently. So, to make your decision easier, be clear about why you need the printer.

Source: ourprintshop.co.uk

The Cost Per Page:

For printers, cost per page is very important and it helps you decide whether the home printer will be cheaper for you or by getting the material printed from an outside source. The cost per page is a significant factor in the overall cost of printing. The cost per page is one of the simplest ways to determine how good your printer is and if it will be able to provide you with the output at a reasonable price. You can get an estimate of your home printer by how much it will cost you, and if it is higher than the print shop, then you know that you have to shift to the print agency.

Most printer manufacturers now declare their printers’ standardized capacity or page yield (the number of prints you can do with one cartridge). As a result, theoretically, it is quite simple to calculate a cost per page for your prints for comparison purposes, given that the cost of your first complete batch of prints is included in the cost of the printer. You can get an estimate and choose accordingly. This is one of the most important ways to know which type of printing will be cheaper for you.

Takeaway

Now you must have got an idea of where you can rely on and get your work done precisely. Do consider all these points to make the right decision. This article will work for you as a guide.

How to Transcribe Audio and Video to Text Online

By
Дмитра Врачарић
-

People always tend to seek ways to convert their audio content into proper texts. Why come change your audio into appropriate text? For many reasons, it has been seen that transcribing content makes your content more accessible to everyone. It turns out to be quite intriguing as you can target all kinds of audiences through this respective direction.

Changing and processing your audio and videos into text is another great way to enhance SEO ranking. Following this, it has been realized that the comprehension and distribution of written content are much easier than sending out audio and videos to users. To counter this, we bring an online solution for you in the form of Media.io for transcribing audio and video to text.

Part 1: A Cohesive Introduction

It has been a leading online tool across the market that helps users manage their audio and videos. Although it rebranded to Online UniConverter, it still offers quite the same. The consistency offered by the service is exceptional in all bounds. You can easily consider converting, compressing, and editing your videos and audio without any hurdles. Such extensive features make this a comprehensive online tool for managing audio and videos.

There is quite much that can be discovered across Online UniConverter. From all basic editing and converting tools made available, it allows you to add subtitles, remove watermarks, and create slideshows. Most of these tools are not even visible across most online audio and video editors, which makes it unique in the market. For this article, we shall focus on the video editing features of Online UniConverter to allow you to understand more about the tool’s flexibility in managing media.

Part 2: How Will You Transcribe Audio and Video to Text Online?

As discussed before, transcribing audio and video can be fun. As it gives you the ability to achieve some essential feats across your target audience, It helps you achieve it with the help of its online auto transcription. There are several upsides to considering this tool to manage your audio and videos for changing them to text. Out of them, the first point refers to its ability to transcribe content automatically without taking any time.

Following this, it ensures a 90%+ accuracy across its transcriptions with the help of its AI technology. Accompanying the user with such impressive features makes the complete procession quite simple and accurate. Once the media content is transcribed, it can be edited across the interface. Now, let’s see how this tool helps you in achieving your goals with ease:

Step 1: Access and Start Uploading

To start with the process, you need to access the official website for this purpose. Now, access the Auto Transcribe tool from the list of “Tools” on top. Following this, you need to scroll down and select the option of “Upload Files Now.”

Step 2: Select Language and Transcribe

This will open up a new screen where you need to click on “Upload video or audio” or drag the media file across the tool. As the file is imported successfully, select an appropriate language across which you want to transcribe the text. Click on “Transcribe Now” to start the execution of the process. You will see the text appearing on your front across the screen. As the transcript completes, preview and edit the text across the Transcription Editor.

Step 3: Preview Results and Save the Transcribed Text

If you are satisfied with the results created by the Auto Transcribe tool, click on “Download Text” to export your transcribed text as a .txt file. You can then utilize the text according to your requirements.

Part 3: Why Should You Consider Using it?

We shall now see why you consider using tool as your online auto transcription tool. As several tools are putting up the competition, a respective set of details makes it special in the market. We have presented the following points to show why this online video editor is the perfect auto transcription tool in the market:

1. Transcribe Automatically in No Time

You may have come across many tools providing manual transcription services. As they have failed to bring in smooth workflow in the market, tools tend to go for automatic services. It is one example that transcribes your media files into text in no time. This is all possible through the speech recognition system that generates the transcription in a matter of seconds.

2. Reliable and Accurate

The AI Speech Recognition technology presented across this model of online auto transcription makes it quite accurate in results. Almost 90%+ retention is guaranteed in the process, which brings you edited text with precise transcription. This reliability and accuracy make it more promising in the market than other tools.

3. Multilingual Transcription

The language support is another exceptional point about the auto transcription tool. While you find multilingual support across the platform, you can cover all respective tasks in different languages. These languages include English, German, Spanish, Italian, Dutch, Portuguese, and French. Change your audio and video files into any language while transcribing the text.

4. Multiple Formats Supported

The format support during inputting video or audio is quite cohesive for the users. While using an auto transcriber, it is still necessary to understand that it covers all standard media formats as input. This gives you the diversity in operating things to perfection. Find support across the system for MP4, MOV, AVI, WMV, MKV, 3GP, FLV MP3, M4A, FLAC, WAV, WMA, and AC3.

5. Safe and Secure

No content is exposed to other users, and user privacy is kept to a maximum. There is no chance that your privacy will be breached, and your valuable content will be exposed. The protection layers ensure you are protected from malicious threats at all costs.

Part 4: Other Flexible Features

Apart from the online auto transcription feature, there are several other coherent functions offered to users. The platform, by far, is the perfect online tool for different audio and video procedures. To understand how this online video editor provides other features, let’s discuss them in detail as follows:

1. Text-to-Speech

This is one of the AI-based features offered by Online UniConverter, which provides exceptional support and crevice in building something extraordinary. The text-to-speech feature is quite accurate and exquisite in operation. While you find it simple to operate, its realistic voice makes you develop content of different kinds. Following this, the multilingual support across the feature allows the creation of the best speeches from the text.

Its ability to modify the speech makes it an all-round video editor that helps you create exceptional content. Bear in mind that the tool only allows 1500 words of content to be uploaded across the tool at a single time.

2. Auto Subtitle Generator

Subtitles are essential across any video that contains a language that is difficult or impossible to comprehend. To increase the target audience in the process, you can use the help of subtitles to create synchronized subtitles across the video. Auto Subtitle Generator provides cross-platform operability with a support of 90 languages, as it can operate across any HTML5 web browser.

Following this, create highly accurate subtitles with the help of software. Using Machine Learning and AI presets the perfect system for creating subtitles across the online video editor.

3. Ringtone Maker

Are you fed up with your ringtone across the iPhone or Android? The Ringtone Maker offered is definite and proficient in providing user results. While it is online in operation, it features multiple other functions, such as cutting and merging MP3 ringtones for you. Although the tool is entirely online, it is exceptionally safe to use with support for various formats, including MP3, FLAC, OGG, AU, etc.

To make your ringtones sound better, you can consider using fade effects to enhance your experience. It is one of the best ringtone makers available online for users.

4. Voice Changer

Some users seek to change their voices across particular audio. The Voice Changer offered caters to some exceptional utilities powered by Artificial Intelligence. While it is more than just a voice changer, it allows you to edit your voices after editing them. You can consider adding any kind of audio file across the platform to have it changed according to your requirements.

The voice changer offered is fast and accurate in results, providing some impressive voice filters that are not quite common among many other voice-changing tools in the market.

5. YouTube Audio Extractor

Do you crave a certain YouTube video that has taken you away since you watched it? Do you wish to extract its audio to keep it for yourselves? Rather than finding any specific MP3 ripper, you can look across the tool as the tangible solution to this scenario. The platform allows users to extract any audio from YouTube without difficulty. While you can specify the audio parts, you can also apply different effects at your convenience.

This feature is watermark-free and ads-free, another highlighting pointer that makes it special. Lead to get high-quality results by trying out its YouTube audio extractor.

Part 5: Verdict

Our discussion has caressed across multiple directions involving it. Although we were trying to present a comprehensive guide to utilizing its online auto transcription, it has been discovered that several other features across the platform make it unique. With the detailed overview, it is clear that presents itself as one of the market’s best online video editing tools. The amount of diversity across the tool makes it one of a kind.

How To Detect A Spyware In Your Smartphone

By
Дмитра Врачарић
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These days, the issue of digital privacy is both problematic and ostentatious. The public is being blunt that the government has been doing blatant prying on their phones, laptops, and other electronics.

Of course, there’s a truth to this claim. Even your social media networks, search engines, and other service providers may have the means to access your data without your knowledge. Meanwhile, your phones are vulnerable to spyware. As its name suggests, spyware is a kind of software that lets someone acquire your information secretly.

What Is A Mobile Spyware

You do many activities on your smartphone. Sometimes, you don’t realize that your life is actually revolving around it. You use it to buy stocks, search FIFA coin details, and other interesting stuff. You even use it for online banking.

At the same time, it also stores records of your phone calls, emails, and messages. And some of this data is something that you don’t want others to know.

Whether you are using an Android or iPhone smartphone, there’s a good chance that others can put spyware on your device. As mentioned, spyware will track your activities on your phone.

Specifically, mobile spyware (or stalkerware) can be installed on your smartphone. Once on your device, this software will track your phone’s activities–even your location and browsing history. There are even cases where it can snap photos and record conversations without you knowing. Spyware is designed to be hidden. But it can be discovered as long as you can identify one.

Source: iStockphoto

How To Detect A Spyware In Your Smartphone

One of the biggest problems when dealing with spyware is the latter’s “invisibility.” Specifically, it is designed to be hidden. It has built-in stealth capabilities that prevent ordinary users from seeing it.

Fortunately, there are still means that would let you discover spyware. Hence, put your phone in a nice mobile mount and start some digging.

1. Unknown Applications

Most of the advanced spyware is hidden by default. However, there are others that utilize applications like parental control to spy on someone’s phone.

If there are people spying on your device using these apps, there’s a possibility that the spyware is just on the surface. Here, you should scan your phone for apps that you didn’t actually download. Apps like Kaspersky Safe Kids, Qustodio, and Net Nanny are among those apps that can be used as make-shift spyware.

2. Jailbroken or Rooted Device

Source: cellphonetracker.net

When people root or jailbreak a device, there’s a possibility that they can bypass the security of app stores. As a result, they would be able to install apps that aren’t registered on Google Play or Apple Store.

If your smartphone has been jailbroken or rooted and you are not the one responsible for it, there’s a big chance that there’s something sinister going on. There’s a way you can check if your Android device is rooted. Simply download the Root Checker app.

If you have an iOS device, the app that you need to look for is Cydia. Cydia is an application that lets you install software on rooted iPhones. If this application is in your iPhone, then the latter is probably jailbroken.

3. Quick Battery Consumption

Phone batteries can drain quickly, depending on the things that you do in it.. For instance, using multiple apps at the same time drains your phone’s battery fast. Hence, it is recommended that you check the essential ergonomic accessories here so that you can use your phone better.

The natural degradation of your battery would result in the gradual deterioration of its performance. However, you should be wary if your phone is still in good condition and there’s a change in your battery health.

If you have noticed that your phone is draining fast, check for the status of your existing apps. You need to rule out that they aren’t the cause. If they are working normally, there’s a chance that a hidden app is working full-time.

4. Phone Gets Hot All The Time

Source: cnet.com

Of course, this phenomenon is explainable if you are running multiple apps, such as games. However, if your phone isn’t doing anything and it is still hot, there’s a certainty that spyware is running secretly in the background of your phone.

This matter also coincides with the sudden decrease in the speed or performance of your phone. Spyware can exhaust your phone’s operating capability. You can notice this if your phone gets too laggy or unresponsive, even if you aren’t doing anything.

5. Suspicious Data Usage

The data usage of your phone can also indicate if there’s spyware installed. Usually, spyware requires data for transferring information. Of course, the perpetrator wouldn’t be able to receive the stolen information if your phone is offline.

A sudden spike in data usage suggests that there’s something going on. Fortunately, you can always check your phone’s data. For iPhones, follow this path: Settings – Mobile Data. For Android phones, go this path: Settings – Network and Internet – Data Usage.

Here, you should check the data history of your phone. Unusual spikes may mean that there’s hidden software in your device.

6. Difficulties In Shutting Down Your Phone

Source: wccftech.com

Spyware apps are notorious for interfering with the functions of your phone. One of the things that it can disrupt is the shutdown process of your device. Sometimes, the apps will prevent the device from shutting down. In other cases, there’s a delay in the process.

Whistleblower Edward Snowden said in 2014 that NSA has the technology to prevent your phone from switching off completely. In this way, the government agency can still use the device to listen to conversations secretly.

Personal Asset and Liability Management To Boost Net Worth

By
Дмитра Врачарић
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Source: unsplash.com

Today, companies use asset and liability management (ALM) to mitigate risk. This term refers to managing assets to reduce the risk of loss from not paying a liability. The practice involves many factors, including strategic asset allocation.

But individuals can also use ALM to manage their personal finances. You can even use it to increase your net worth if done correctly. Read on and discover how ALM can help you save money in the long term.

Defining Assets and Liabilities

Assets and liabilities are two crucial components of your net worth. You have to know what you own and owe to determine the total value of your assets.

Source: indeed.com

Assets

This term refers to all financial instruments and other property you own. Items you can add in the assets column of your net worth tabulation include:

  • Money in the bank, including those in your checking and savings accounts
  • Investment account balances, which have your retirement account balances
  • Valuable properties, such as artwork, jewelry, or collectibles
  • The cash you could get if you sell your car
  • Your home equity

Liabilities

Meanwhile, liabilities are what you owe to other people or organizations. They represent cash that isn’t truly yours.

Your liabilities can increase your purchasing power but cut down your net worth. They include:

  • Any cash owed on loans
  • Unpaid home mortgages
  • Credit card balances
  • Outstanding student loans or other debts
  • Other financial obligations, like alimony or child support

Asset and liability management is crucial since it tells you how much you have and how much you owe. The practice can help you understand where your money is at any given time.

Read on to learn more about the advantages of managing your assets and liabilities.

Source: moneylion.com

Why Should You Manage Your Assets and Liabilities

ALM frameworks provide a lot of benefits for many financial institutions. The practice helps organizations get a clear picture of their assets and liabilities.

One benefit of using ALM is it enables an enterprise to manage its liabilities smarter. This way, managers can better prepare for future uncertainties.

This advantage can also translate into personal financial management. If you manage your assets and liabilities, you can be more strategic when handling your debts. You can plan payments, which gives you confidence about the state of your finances in the future.

Risk mitigation is another advantage of ALM. For entrepreneurs, it allows them to detect the risks on their balance sheets. This advantage enables them to address the problems resulting from a mismatch of assets and liabilities.

By matching the two components, companies can be more efficient while reducing risk.

You can also enjoy this benefit if you manage your assets and liabilities. If you use your assets correctly, you can mitigate financial risks before they worsen.

5 Tips To Increase Your Net Worth

Knowing your net worth allows you to gauge your financial success. It is easy to calculate your net worth, but improving it can be challenging. Here are five pointers to help you manage your assets and liabilities.

Source: armamar.com

1. Cut Down Expenses

Although cutting down your expenses isn’t fun, it can help increase your net worth.

One way to lower expenses is to focus your spending on housing, food, and transportation. Although saving on housing can be tricky if you have a family, you can still save on fuel costs and food.

You can buy food in bulk and eat at home instead of in restaurants. Eating out frequently can cause a dent in your budget, so just cook for yourself.

You can also use budgeting software to help you allocate your money better.

2. Pay Debts

High-interest debt can hinder your efforts to boost your net worth. That is the issue for many Canadians today. In the first quarter of 2024, Canadian residents owed $1.83 in debt for each dollar they made in a year.

For most people, applying for loans remains a popular solution to their financial problems. Many online lenders have convenient loan application processes to make it easier for borrowers to get cash.

Some lenders even promise to get them the money within a couple of hours after the application approval. According to GoDay, an online payday lender, they can give borrowers their cash one hour after their loan has been approved.

With more convenient loan application processes available today, it is no surprise that most people are still in debt. Unfortunately, this option is a short-term solution and can lead to cash flow difficulties and poor credit ratings.

Source: Financial Planning

3. Save Money for Emergencies

When you have an emergency fund, you are indirectly growing your net worth.

For example, you have saved over $6,000 for an emergency fund. This $6,000 increase to your net worth is not the money that makes the difference.

The biggest advantage is that you do not have to dip into your current savings in a financial emergency. You never know when you will have to get your computer or refrigerator fixed. You will also have money in case of an unexpected visit to the emergency room.

Saving for emergencies also ensures you do not have to take on any form of high-interest debt. This problem can lead to a never-ending cycle of interest payments. This cycle can put a significant drag on your net worth.

4. Increase Retirement Contributions

Many employers offer retirement plans with desirable tax characteristics. You can take advantage of these programs to help you grow your contributions faster. Missing out on the programs means you are leaving money on the table.

Retirement contributions increase your generative assets. They also help you address one of the biggest hindrances to your net worth growth: taxes.

Source: Medium.com

5. Talk to an expert

Consulting a professional is a crucial part of growing your net worth. Unfortunately, some people still overlook this step. They believe it can be a waste of money. Meanwhile, some are too shy to discuss their finances with other people.

But talking to a financial advisor can give you valuable tips about tax breaks or budgeting. So, when it comes to increasing your finances, ask the help of a professional.

Increase Your Net Worth Through Effective ALM

Asset and liability management can be a challenging but rewarding feat. Understanding the factors that affect your finances can help you address financial problems.

Asset allocation also contributes to growth and addresses the nature of your liabilities. This advantage makes it easier for you to save more because you know where your money should go.

7 Tips on How to Design and Make Sustainable Trophies

By
Дмитра Врачарић
-
Source: medium.com

Trophies are often given away at sporting events or other celebrations. Some people collect them over their lifetime, while others only get them during special occasions.

Sometimes people order them for private events, looking for custom designs. The sad thing is that not everyone appreciates it, and they may end up throwing the trophies away. So, for parties, probably it’s better to look for a sustainable solution. Another option is to use non-degradable crystal trophies you can find on EclipseAwards, since they can be easily stored or removed if needed. Additionally, crystal creations look so well, that you won’t even have to care if someone will throw them out in the future.

Source: 3dtrophyfactory.com

Why choose custom trophies?

Do you love collecting trophies? Or maybe you want to give them out at special events or sports tournaments? They are even exceptional gifts when someone you know or respect accomplishes an important milestone in their life.

These days, it’s easier than ever to create your very own custom trophy. In fact, there are now dozens of companies offering customization services. So why don’t you start looking into these options? They might be able to save you some time and money.

There are plenty of ways to customize trophies, from engraving to painting. The key is finding something unique and memorable. For example, you could choose to add a personal message or even print a photo onto the base.

Make sure the messages and motives are not generic, so you can add more sentimental and emotional value to the gift.

We all know that trophies are symbols of big accomplishments.

However, using trophies isn’t always environmentally friendly. In fact, due to their size and weight, they can take several years to decompose.

That’s why there are inventors who came up with eco-friendly, lightweight solutions that can break down into reusable and recyclable parts.

Tackling trophy designs can be challenging without knowing certain things. If you want to create something unique, sustainable, and original, read these tips:

Source: 3dtrophyfactory.com

1. Designing process can take up to a few months

Trophy designs can take months or even years to perfect. That’s why many companies now turn to experts to come up with great ideas. The whole process is neat, precise, and clean. At the end of the day, the person who orders the trophies can have them carefully delivered where needed.

2. The size of the trophy is important

You need to consider the size of your trophy before making it. If you want to use glass or wood, then choose something that won’t break easily if dropped. You don’t want to spend money on a trophy only to find out that it’s broken after you’ve hung it on the wall.

This is an important feature when it comes to custom designs and bigger orders. If you need to buy more than one trophy, make sure you adjust the size, so you can ease the logistic aspects.

3. Consider the type of material you’re using

The material depends on where would the receiver keep the trophy after they get it. Also, pay attention to the options for maintenance. Trophies collect dust and dirt, and you have to make sure the materials are easy to clean and durable. Wooden creations are cheaper, but the material can easily deteriorate during the time you have it.

Glass is much easier to maintain than wood, but you do have to take extra precautions to ensure it stays safe. Glass is delicate and prone to scratches and cracks, so make sure you keep it properly. Also, you’ll want to make sure you get tempered glass rather than regular glass. Tempered glass is specially treated so it doesn’t shatter when hit.

An additional benefit is that glass is an easily recyclable material, which puts the glass trophies somewhere between usual and sustainable choices.

Source: designawards.net.au

4. Use recycled materials

Recycled materials have already been something else before Instead of being thrown away they are repurposed and reused again. Recycling helps save natural resources and reduces the amount of trash we throw out every day. You can use recycled materials to create everything from housewares to furniture.

So, why don’t you choose recycled trophies? You send an important message to those who receive it, but also you personally take care of the environment.

5. Use biodegradable paint

Paint is one of the most harmful products we put on our homes. Trophies are not an exception, because manufacturers often paint them to enhance their appearance, and make them look attractive.

The paint contains chemicals that take hundreds of years to break down. If you want to make sure your home doesn’t harm the environment then try switching out your toxic paints for non-hazardous ones. One example of a safe alternative would be to use eco-friendly paints like latex. Latex paints don’t emit any hazardous fumes and they dry rather quickly. Using this type of paint means less time cleaning off toxic residue after painting.

Even when you use recycled materials for your trophy, paint can be a crucial part when working on final touches. So, make sure you get these things right, in order to protect the environment.

Source: sportsstartrophies.com.au

6. Give a trophy to the most responsible people

Recycled and repurposed trophies can be a great gift for the people who do the same. We suggest you organize an eco-friendly event, where you can promote your goals, and encourage the people to do the same.

Can you imagine how effective would be your sustainable trophies in situations like this? Don’t hesitate, and take an action if you want to make a significant change.

Conclusion

Even though not everyone thinks about sustainable trophies every day, we hope that we changed your opinion on them. At least you can do is donate recyclable materials, and make sure they are used properly.

Surely, if you do that, you deserve the best trophy for being an eco-aware person who nurtures the same values as those who take care of the environment every day.

Sounds encouraging and awakening, right?

5 Ways Your Business Can Benefit From Expense Management Software

By
Дмитра Врачарић
-

Expense management software is an essential tool for any business, and can help you save money on your expenses each month. By tracking your spending, you can make better choices about where to allocate your money and save yourself a lot of hassle and stress.

Source: europeanbusinessreview.com

The Benefits of Expense Management Software

There are many benefits to using expense management software in your business. Below are five of the most important:

  1. Increased efficiency: Having an expense management system can help you track and manage your spending more effectively. This can save you time and money, as you won’t have to hunt through your bank statements or receipts to figure out where you spent your money.
  2. Reduced stress: Managing your expenses can be a hassle, but with a good management system, you’ll be able to take some of the stress out of it. You’ll have everything organized and tracked, so there’s no need to worry about whether you’re going over budget or not.
  3. Improved financial accuracy: A good cost management system will help you keep your finances accurate. This is especially important if you’re trying to stay on top of your debt payments or meet other financial goals. Having accurate information will make it easier for you to make informed decisions.
  4. Enhanced team collaboration: Managing expenses together as a team can be challenging, but a good cost management system can make the process much easier. With everything organized and in one place, everyone on your team will be able to work more efficiently together.
  5. Greater control over your finances: If you’re looking to take greater control over your finances, a good expense management system is a great place to start. With everything organized and tracked, you’ll be able to see exactly where your money is going and make more informed decisions about your spending.
Source: ceoworld.biz

The Different Types of Software

There are a few different types of expense management software, each with its own benefits. You can find them at blog.happay.com. Here’s a look at the most popular types and how they can help your business.

CPA Software: It helps you track expenses by categorizing them into categories like marketing, office supplies, and travel. It will then provide you with detailed reports on your spending so you can make better decisions about where to allocate your funds.

Cloud-Based Software: It is accessed via the internet, so you can access it from any device. This is great if you want to keep track of your expenses while on the go. Some cloud-based software also has features that let you see how your spending compares to previous years, or compare yourself against other businesses in your industry.

Source: expatica.com

Budgeting Software

There are a variety of expense management software programs available on the market today. Each has its own set of features and benefits, so it’s important to choose the right one for your needs. Here are four types and their respective benefits:

1) Simple budgeting tools: These programs are designed to help you track your spending and categorize it by category. They usually have simple templates that make it easy to enter your data, and they offer downloadable reports that can help you see where you’re overspending and where you could save money.

2) Advanced budgeting tools: These programs offer more flexible data entry options and deeper analysis capabilities. They can help you set goals and plan financial adjustments accordingly, making them ideal for people who want to take their spending habits seriously.

3) Transaction tracking programs: This type of program helps you keep track of all the expenses associated with your business or individual account. It can help you identify trends and make better decisions based on data analysis.

4) Automated billing software: This type of program helps you automatically bill clients for your services using pre-set rates or formulas. It can save you time and hassle by taking care of the billing process for you.

Source: pcmag.com

Which Type of Software is Right for Your Business?

Many businesses choose one of two main types: software that helps you track expenses and generate reports, or software that helps you manage your spending.

If you’re looking to track your expenses, a good option is a budgeting or tracking app. These apps help you set and track financial goals, categorize your costs by category, and see how much money you’ve saved or lost over time. They can also provide helpful tips for lowering your spending in specific areas.

If you’re looking to manage your spending, a good option is a cash management app. These apps help businesses with everything from tracking spending to connecting with banks and other financial institutions. They can also help businesses keep better tabs on finances overall, helping them avoid costly mistakes down the line.

How to Choose the Right Software

To make the best decision for your business, it’s important to understand what each option offers and how it can benefit your business. Here are some tips for choosing the right expense management software for your business:

Source: skyjunxion.co

  1. Consider Your Needs

Before you can choose a management software package, you first need to identify your needs. Do you want a package that’s easy to use and integrates with your accounting software? Or do you need a more comprehensive package that includes features like invoicing and tracking expenses by category? Once you know your needs, look at the different packages available and compare their features.

  1. Consider Your Budget

After you’ve identified your needs, next consider your budget. Each package has different fees associated with it, so be sure to factor this into your decision-making process. Also, be aware of any discounts or promotions that may be available.

  1. Consider Your Time Commitment

One of the main benefits of expense management software is that it can help streamline your business processes. However, not all packages are equally easy to use. Depending on your level of experience and time commitment, you may prefer a more beginner-friendly package or one that is more sophisticated.

  1. Check for Compatibility Issues

One of the main benefits of expense management software is that it can help you organize and track your expenses. However, not all packages are compatible with each other. Before finalizing your purchase, make sure to check for any compatibility issues between the package you’re choosing and your accounting software.

Source: medium.com

Conclusion

One of the most important aspects of running a business is managing expenses. This can be a difficult task, especially if you’re not familiar with the software available on the market. expense management software makes it easy to keep track of your spending and categorize it accordingly so that you can make informed decisions about where to allocate your resources. If you’re looking for a way to streamline your finances and improve your bottom line, consider investing in an expense management system.

A Breakdown Of The Cost Of Solar

By
Дмитра Врачарић
-
Source: ingeniovirtual.com

The Australian industry has been rising for the last fifteen years. Solar panel costs gravitate like never before, especially the standard system price. It is thanks to various technological enhancements. As of 2010, Australians could spend less with the addition of government rebates, with the 5kW solar system costing approximately $10,000. Currently, and even with low government subsidies, you can spend as little as $5,000 for a quality 6.6kW system.

Most solar panels and inverters are sourced from China, where production costs have reached an all-time low over the last few years. With more manufacturers making these products, stiff competition has also reduced costs, keeping it open for business.

Source: semprius.com

Wish For A Solar Panel Installation? Here Is What It Costs

Government subsidies have lowered the costs significantly. And guess what? Not only are panels in Australia more affordable than ever, but they are also cheaper than in most countries around the globe. What remains a puzzle to many is the significant variation in the advertised prices of solar panels. It can be particularly confusing if you wish to go while making the most of your investment.

For the standard 6.6kW system with entry-level products, different retailers and installers can give you a quote from $3,500 to $7,000. So, why the considerable variation for products that supposedly offer the same value? The solar business costs and, precisely, the solar business models in Australia may have some answers. Want to learn more? Click here!

What Are The Types Of Solar Businesses?

These are three in number and include:

Source: irea.coop

Well-established solar retailers

You can call them the ‘full-service’ businesses as they wear more than one hat. Typically, they have an operations centre and a warehouse and provide in-house consultations for prospects. Their high-level qualifications and access to adequate resources allow them to successfully and safely complete jobs. They also offer peace of mind to customers, guaranteeing excellent customer service with available technical support personnel.

However, large solar retailers have been adapting the low-cost model to cut down on operation costs. The end is low quality and unsatisfactory service to customers. They will often run operations from overseas call centres in India or the Philippines. They also leave the installation work to subcontractors for low prices that come with shoddy work.

Solar marketers

These are micro-businesses whose operators make use of subcontractors. They tend to collect their solar panels from distributors and wholesalers and deliver them to customers. Despite the virtual office address, they lure customers with well-done websites as part of their selling point. They operate on slim margins and can’t offer long-term customer service. They also provide reputable solar brands at unbelievably low prices, hiding their limitations from their customers.

Source: TheGreenAge.com

Installers

These are generally tradespeople without any operation base. Their businesses are run from vans, through which they purchase products from distributors and wholesalers. They will be lucky to find a job for the day and can not offer high customer service due to low profits.

The Solar Panel Installation Costs Breakdown

If you’ve ever run or owned a business, you probably understand how hard it can get. Costs can quickly add up, leaving you stooped of cash with critical decisions to be made. Any business that supplies or instals solar power systems must incur direct and indirect costs.

Direct costs

These are costs associated with the necessary items for carrying out a job. For instance, a 6.6kW system with entry-level elements involves various expenses, including affordable solar panels at $3,070, a cheap inverter at $550, low-level installation at $1,880, and roof mount kits at $440. It leads from a third party at $250. These costs add up to $6,190 without any profits. With a rebate of $3,403, the customer price comes to $2,787, and still without any profits. Yet, this is the lowest price possible for the 6.6kW system. That means it only increases when you opt for a high-quality system and quality installers.

Usually, marketers and installers face overhead costs, with transactional operations rarely concentrating on excellent customer service. After-sales service can be too costly for these businesses.

Source: Mining.com

Indirect and fixed costs

These costs are oriented towards high-level customer service and meeting customers’ expectations with after-sales service. They incorporate but are not limited to rental fees, payroll expenses, marketing efforts, fleet costs, utilities, IT platforms fees, accreditations and licensing, insurances and provisions to cover long-term warranty policies.

Expert solar retailers incur both types of costs. Their higher prices are tailored to meet these costs and account for the cost of offering unique before and after sales experiences. The profit goes into meeting customer expectations and sustaining the business, leaving them with no option but to add a fair profit on top of the costs. The mark-up falls anywhere between 15% to 30%.

There are many types of solar panels, and some operators offer a 6.6kW system at an incredibly low solar panel cost of $3,000 with a 10 to 25 years warranty. This doesn’t make sense unless it’s not one of the best solar panels.

On The Fence About The Solar Retailer To Choose?

You should be! Particularly if you want to make a worthwhile investment that will truly make a difference to your bottom line. An ideal company should offer professional service, from consultation and design to installation. Consider a few questions below:

Does the business visit your premises to determine the property’s particular needs? Or did they offer a quote from an operation centre overseas?

Is it a tailored service where the company considers the appropriate products and system size for you? Or is it more of a standard approach?

Does the business have a physical address that you can visit when necessary? Or are you simply dealing with a pimped website connecting to overseas calls?

Can the business handle any discrepancies before or after the installation? Do they have the resources it takes?

Is it an expert installation that seeks to maintain the roof’s integrity with well-followed procedures?

Will they honour their warranty obligations? Or are they likely to disappear like thousands of solar businesses every few years?

Is the entire purchase and installation price too compelling?

Source: Phys.org

Conclusion

It’s better to be safe with a quality system than sorry with a cheap system that may leave you with all kinds of trouble. While proper maintenance, like solar panel cleaning, can boost solar panel efficiency, it all comes down to the actual quality of the system. That said, you could save a few hundred dollars upfront with a cheap system and installation but generate less power and even spend thousands more for repairs and any other issues you may encounter.

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