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The 10 Proven Best Free Mobile Messaging Apps

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Developers the world over are constantly innovating. They design and develop messaging apps that let us stay connected conveniently to each other in this fast-paced modern world. Most of these apps require you to subscribe or pay to download and install. Quite a good number though are available absolutely free-of-charge.

We are going to highlight, and briefly explain, our selection of the top ten best free mobile messaging apps as of the year 2018. These apps generally let users make free voice and video calls, share instant messages, photos, and even text messages. We hope this will help you get started hassle-free. A selection of the 10 proven best free mobile messaging Apps.

#1: WhatsApp

This is perhaps the king of mobile messaging apps. It was jointly developed by Brian Acton and Jan Kuom. The app was taken over by Facebook Inc. in February 2014. It presently boasts of over 1.5 billion total users who are spread out in over 180 countries. It is also visited by 450 million users monthly and 315 million users daily.

The app basically lets users send each other instant messages, make video and voices calls, and send free text messages among other features. It does have a payment option which, at the moment, is limited to India alone. This is the WhatsApp Pay feature. All the transactions are processed by the Unified Payments Interface.

#2: Facebook Messenger

Closely trailing WhatsApp is the Facebook Messenger. As the name suggests, it was indeed developed by and is owned by Facebook Incorporated. It boasts 1.4 billion active users as of December 2017. It is presently installed on 87.5% of all Android devices in circulation. It does have a payment option which is still in beta version at the moment.

This messaging app enables two Facebook users to chat, exchange files and photos, make video calls, and even send each other text messages. It does not require the subscribers to share their telephone contacts as each user logs in with his Facebook username.

#3: WeChat

WeChat stands apart from the top messaging apps in that it originates from the most unlikely location – China. By the close of the year 2017, it had around 963 million monthly active users. It is basically a social chatting tool that lets its users chat freely with their friends. It also has a friend-finder tool which enables you to track the location of your contacts via the GPRS functionality.

It does support a range of payment options. These include Native In-App Payments, QR Code, Quick Pay, and In-App Web-Based. Because of this, it brings along the benefit of utmost convenience to its users.

#4: Telegram

This Russian-developed instant messaging app is cloud-based. This simply means that it stores all the conversations, files, and data in a cloud. It thereafter avails this data to its users regardless of their precise locations on the globe. It grants its users the ability to send instant messages, exchange photos, files, videos, audio, and stickers.

At the moment, it has 180 million active users globally. The app has variants that are compatible with various operating systems and platforms. Among these are iOS, Android, MacOS, Windows Phone, Linux, and Windows NT.

It also has a payment option. This option basically acts as an intermediary between the end user-payer, the bot developer, and their preferred payment platform.

#5: Snapchat

In sharp contrast to other mobile messaging apps, Snapchat is multimedia. This simply means that it handles and transfers files of various formats and types. It lets users chat instantly, share files and photos, and hold live video conferencing, among others.

It had a whopping 187 million daily users as of the end of 2017. It is also available in 22 languages and is mainly popular among North American and European teens.

Other than sending each other messages, the app also allows users to send money to one another. The money is relayed by use of Square Cash’s email payment platform.

#6: Line

Unlike most other mobile messaging apps that are restricted to mobile devices, Line accommodates several electronics. It can work well via cellphones, personal computers, laptops, tablets, and smartphones. It is free-of-charge and commands an active user base of about 217 million people. It is mainly restricted to Asia though.

With this app, users can chat; make conference voice and video calls, exchange photos and stickers, and even play games! It does have a payment platform called LINE Pay. This provides a secure and trustworthy payment service.

#7: KIK

Developed by the Canadian company, KIK Interactive, this software is a freeware instant messaging mobile app. It is available free-of-charge via the iOS and Android operating systems. It is also free to operate as it utilizes your smartphone’s data plan or the Wi-Fi connectivity to send and receive mobile web pages, instant messages, videos, photos, and sketches.

In the year-ended 2017, it had 300 million active users. It is especially popular among US teens. The app launched its own digital currency called Kin. With this currency, users will be able to earn and buy items from inside the app.

#8: IMO

IMO supports and works well alongside other big instant messaging names like Yahoo!, AIM, Google Talk, Facebook Chat, and MSN Messenger. It basically lets you chat instantly with all your contacts in the aforementioned social networking sites. This saves you a great deal of time and effort as it absolves you from the need to log in to those sites separately.

Other than sending and receiving instant messages, the app also lets users make and receive video and voice calls, for free! At the end of 2017, the app had been downloaded 500 million times especially by the younger range of teenagers.

#9: Viber

Founded in 2003, this social chatting app bears several similarities with most other mobile messaging apps. It is cross-platform in that it can work well across several operating systems and platforms. Examples of these are iOS, Microsoft Windows, Android, Linux, and MacOS. It had a whopping 980 million registered users worldwide as of the year-ended 2017.

Apart from merely chatting, the app also enables its users to make phone calls to each other, absolutely free! Other than that, it also enables users to exchange media – like images and video records. It has no payment platform of its own.

#10: Kakaotalk

Closing our list of the top mobile messaging apps is this free mobile instant messaging application for smartphones. With a pretty small user base of just about 49.7 million10, this app is mainly limited to South Korea and much of Asia. It does have a bright future though as more and more people are anticipated to download it in the future.

The app is loaded with free text and free call features. It also works well across several platforms as MacOS, Bada OS, Android OS, Windows Phone, BlackBerry, Windows, and Nokia Asha.

It also comes along with KakaoPay which basically allows users to pay for certain products online using their KakaoTalk account. It also allows users to safely transfer money to their respective bank account from their Kakaotalk chat. They do this without necessarily using any of their authentication certificate or one-time-password (OTP).

Conclusion

Mobile apps for Android and iOS are indeed here to stay. Moreover, they also play a crucial role in enhancing how we connect to and share with people all around us. You just cannot afford to overlook them at all; not when you own a smartphone.

For this reason, you have to make every effort to download and install at least one of the free mobile messaging apps. The 10 best free mobile messaging apps we have identified and reviewed above will usually give you the much-needed starting point.

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Source by Bob Tom

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Where to Find Those Efficient and Hardworking Affiliates?

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Everyone wants a hardworking affiliate, employee, associate, partner, or even spouse, and why not? It’s the next best thing to doing the work yourself. However with the massive outbreak of work and income opportunities available online, how can you beat everyone else and find that one (or more) ideal person who will make your online business explode with success? Here are some of the most ingenious and uncommon ways to snag the idea affiliates for your affiliate program

Direct Sales Agents

Direct sales people are really one of the most enterprising, hard-working individuals in business. They mostly work on commissions or rebates and are willing to literally go door-to-door offering their products to anyone and everyone they bump into. Imagine how much easier their job would be if they could be an affiliate and simply work via the Internet and a mobile device or desktop.

Also, most direct sales people tend to carry more than one brand in their product arsenal so signing up as an affiliate would be almost the same type of work but using a different approach.

Colleges and Universities

Many college kids would be interested in a part-time income opportunity if it would mean funds to help pay for their education, loan, or partying. All you have to do is make sure to offer them products they can endorse as a student.

Freelancers

Did you know that the U.S. Census Bureau’s latest annual report show that 75% of U.S. businesses used freelancers in 2011? Freelancers earned a whopping US$990 billion in 2011 which is a 4.1% increase from the previous year. The only industries where the number of freelancers decreased were in insurance, finance, and construction. Most probably your affiliate program isn’t a part of these 3 industries.

Furthermore, online business and finance experts are predicting the growth to increase incrementally every year even with an economy that is improving. People just want income security and more control over their earnings. With the spate of lay-offs, it’s understandable why many would prefer to work as an affiliate than as an employee.

Scout For Them At Affiliate Conventions

There are annual affiliate conventions held in different cities around the country. You should try to catch one when it is held somewhere near your location. The average turn-out for these types of conventions has increased regularly over the years. Last year, many of them were sold out weeks before the event.

Advertise!

The US Census Bureau has said that as of 2012, 15% of Americans are poor, 43% of young adults depend on their parents to some extent for money. Even more surprising is that the median income of young adults in 1982 was $31,583 and last year it was $30,604 for the same age group! Income is dropping and people are looking for ways to earn additional income outside of their 9 to 5 jobs. That’s where you can come in playing the hero and helping others realize their dream income.

Finally, go online and talk about your product. Make the affiliate marketers come to you and have the luxury of picking the best candidates. You will need some help in marketing your affiliate program so target a marketer who’s experienced in affiliate program and SEO.

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Source by Lina Stakauskaite

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Recession Is Here… Six Costly Mistakes Home Sellers Make During Recessions And How To Avoid Them

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The U.S. is officially in a recession. What is a recession? A recession is a business cycle contraction or general economic decline due to significant drop in spending and other commercial activities. Most pundits and politicians will blame Covid-19 crisis for the recession, but even pre-Covid-19 the proverbial writing was on the wall.

The U.S. had over 120 months of economic growth, which was the longest expansion in the modern history. Other indicators, such as negative yield spread on treasuries (long term bonds having lower interest rates than short term T-notes), were pointing to an imminent change of the economic cycle and an impending recession. The only real question was: when and how bad?

Then Covid-19 came… If the cycle was going to change anyway, Covid-19 acted as a huge and unexpected accelerant to make the recession much more immediate and severe.

Inevitably during recessions all classes of real estate, including residential homes and condominiums, will be negatively impacted as lower consumer spending and higher unemployment rates affect real estate prices and marketing times.

Here are the six costly mistakes home and other real property sellers make during recessions and how to avoid them:

Mistake #1: This will pass and real estate market will be hot again soon

First thing to remember is that real estate cycles are much longer than general economic cycles. Even if the general economy recovers, which eventually it always does, a typical real estate cycle takes as long as 10 to 15 years. The cycle has four key stages: Top, Decline, Bottom and Rise.

Let us consider the last real estate cycle, which lasted approximately 14 years:

  • 2006 – Prices hit the Top
  • 2006 to 2012 – Prices Decline
  • 2012 – Prices hit the Bottom (Trough)
  • 2012 to 2019 – Prices Rise*
  • 2020 – Prices hit the Top
  • 2020 to? – Prices Decline

*NOTE: In 2016 the national residential real estate price index reached its pre-recession 2006 peak levels. It took 10 years for the real estate market to recover.

The way to avoid this mistake is to recognize that real estate cycles take years to run and plan accordingly. Additionally, nobody knows for sure when the prices will hit the top or bottom until after the fact.

Mistake #2: Low interest rates will make the economy and real estate market rebound

Between 2006 and 2011 the interest rates (Fed Funds) were continuously cut by the Federal Reserve Board and went from low 5% to almost 0%. However, that did not stop the real estate recession and depreciation of property values.

Undoubtedly, low interest rates made the economic decline and real estate recession less severe and saved some properties from foreclosures, but it still took six painful years for the real estate market to hit the bottom and then four more years for the prices to go back to their pre-recession levels.

Some markets had never fully recovered. For example, residential home prices in some parts of California, Arizona and Nevada are still below their 2006 highs.

To avoid this mistake, one needs to realize that although low interest rates help stimulate the economy and the real estate market, they do not cure them.

Mistake #3: I don’t need to sell now, so I don’t care

If you do not need to sell until the cycle plays out, which typically is over ten years, then you will not be as affected, especially if you have a strong equity position, limited mortgage debt, and solid liquid assets.

However, it is good to keep in mind that “life happens” and either professional or personal circumstances can change and we may need to sell property before the downturn runs its course.

Furthermore, if a property has a mortgages and its value declines to the point being “upside down,” meaning the mortgage loan balance exceeds the value of the property, then the options of selling, refinancing or even obtaining an equity line of credit, will be significantly limited.

This does not mean that everybody should be rushing into selling their real estate if there is no need to do so, just keep in mind that circumstances may and often do change and property options will be affected, so plan in advance. As one wise proverb says: “Dig your well before your thirst.”

Mistake #4: I’m selling, but I won’t sell below my “bottom line” price

This is a common and potentially very costly mistake. Generally speaking, every seller wants to sell for the highest price and every buyer wants to pay the lowest price. That’s nothing new. When selling real estate, most sellers want to achieve a certain price point and/or have a “bottom line.”

However, it is important to understand that the market does not care what the Seller, or his/her Agent, think the property value should be at. The market value is a price a willing and able buyer will pay, when a property is offered on an open market for a reasonable amount of time.

Overpricing property based on Seller’s subjective value or what is sometimes called an “aspirational price,” especially in a declining market, is a sure first step to losing money. When a property lingers on the market for an extended period of time, carrying costs will continue to accumulate and property value will depreciate in line with the market conditions.

Additionally, properties with prolonged marketing times tend to get “stale” and attract fewer buyers. The solution is to honestly assess your selling objectives, including the desired time-frame, evaluate your property’s attributes and physical condition, analyze comparable sales and market conditions, and then decide on market-based pricing and marketing strategies.

Mistake #5: I will list my property for sale only with Agent who promises the highest price

Real estate is a competitive business and real estate agents compete to list properties for sale which generate their sales commission incomes. It is not unusual that Seller will interview several agents before signing an exclusive listing agreement and go with the agent who agrees to list the property at the highest price, often regardless if such price is market-based.

Similarly to Mistake #4, this mistake can be very damaging to Sellers, as overpriced properties stay on the market for extended periods of time costing Sellers carrying expenses such as mortgage payments, property taxes, insurance, utilities and maintenance.

Furthermore, there is the “opportunity cost” since the equity is “frozen,” and it cannot be deployed elsewhere till the property is sold. However, the most expensive cost is the loss of property value while the real estate market deteriorates.

During the last recession, we have seen multiple cases where overpriced properties stayed on the market for years and ended up selling for 25% to 40% below their initial fair market values.

The solution is to make sure that your pricing strategy is based on the market, not empty promises or wishful thinking.

Mistake #6: I will list my property only with Agent who charges the lowest commission

Real estate commission rates are negotiable and not set by law. A commission usually represents the highest transactional expense in selling real properties and is typically split between Brokers and Agents who work on the transaction

Some real estate agents offer discounted commissions, in order to induce Sellers to list their properties with them. But does paying a discounted commission ensure savings for the Seller? Not necessarily.

For example, if the final sales price is 5% to 10% below property’s highest market value, which is not that unusual, due to inadequate marketing, bad pricing strategy, and/or poor negotiation skills, it will easily wipe out any commission savings and actually cost the Seller tens of thousands of dollars in lost revenues.

The solution is to engage an agent who is a “Trusted Advisor,” not just a “Salesperson.” A Trusted Advisor will take his/her time and effort to do the following: 1) Perform Needs Analysis: listen and understand your property needs and concerns; 2) Prepare Property Analysis: thoroughly evaluate your property and market conditions; 3) Execute Sales and Marketing Plan: prepare and implement custom sales and marketing plan for your property; and 4) Obtain Optimal Results: be your trusted advocate throughout the process and achieve the best possible outcome.

Finding such a real estate professional may not be always easy, but it certainly is worth the effort and will pay off at the end.

In conclusion, this article has outlined six costly mistakes real estate Sellers make during recessions and how to avoid them. The first mistake is not understanding that real estate cycles are long and take years. The second mistake is a misconception that low interest rates alone will create a recovery. Another mistake is not realizing that circumstances may change and not planning in advance. Mistakes number four, five and six pertain to understanding the market value, proper pricing and selecting the right real estate professional.

By understanding and avoiding these mistakes, real estate Sellers have significantly better chances of minimizing the negative impact of a recession while selling their properties.

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Source by Robert W. Dudek

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Useful Tips To Build The Best Gaming Computer

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Every gamer will want their computer to be the best gaming computer among their peers. Sometimes, with a little knowledge and tips and tricks, it is possible to build the best gaming computer and show it off to your peers. This article will show you how:

1) You can’t get the best gaming computer from computer retailers

If you want to get the best gaming computer, you have to build your own. Different gamers have different requirement for their gaming machine. Unless you are willing to pay a high price, you will not be able to buy a commercial computer that fulfills all your gaming needs. The only option you have is to build your own gaming computer.

2) You don’t have to be rich to build the best gaming computer

It is not necessary to burn a hole in your pocket to build the best gaming computer. With some due diligence, do some market research and compare prices around the marketplace. Merchant such as TigerDirect and NewEgg give regular discount to their products and you could save a lot of money if you catch them during their promotional period.

3) Most expensive parts do not have to be the best part

Sometime, the latest model or the most expensive model does not have to be the best part for your computer. It requires various components to work together to form the best computer system. When choosing a computer part, what matters is how well it can integrate with the rest of the components. Compatibility is more important than individual performance. What use is there if you spend lot of money on the latest quad-core processor and find that your motherboard doesn’t support it?

4) You don’t need to change the whole PC to own the best gaming computer

It is a misconception that you have to change the whole gaming machine to build the best gaming computer. If you already have a good barebone system, what you need to do is to upgrade the necessary parts and your gaming computer can roar back to life instantly.

5) Brand is important

Unless you want to see your computer system malfunction every few days, it is important that you purchase the parts from branded manufacturers with strict quality control. Motherboard brand such as Gigabyte, ABIT, ASUS are some quality brands that you can consider

If you follow diligently to the tips stated above. You will be on your way to build the best gaming computer. While price can be an issue, it is better not to scrimp on important computer parts such as motherboard, CPU, RAM and graphics card as it will cost you more to upgrade in the future.

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Source by Damien Oh

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