neoAdviser

4 Things You Should Know When Switching Mobile Carriers

24/09/2020

Making the decision to switch mobile carriers is one that may seem trivial, but is in fact, something that should be done carefully and given great consideration. This page will tell you four things that you should know when you are switching mobile carriers. Our entire world is dictated by signal and the convenience of using our phones – without our phones, we are not able to communicate and keep up to date with everything that we may need to. This is why it is important to ensure you are on the best mobile carrier for you and are receiving the best service available to you. You should not gratuitously change your mobile carrier and should ensure you stay with the one who is best for you, offers the best deals, and the best service.

Here are four things you should know and take into consideration when switching mobile carriers.

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Phone Locks

If you are on a contract with a specific provider, you may be unable to switch mobile carriers, and if you do, may have to go through a very laborious data transfer process and sign a contract with a secondary provider. Some providers will not allow you to use another mobile carrier on your device during your contract, which means you may have to have it unlocked through other means. If you were unlocking the iPhone 8, for example, you would need to go to a third-party provider to help you. Some newer phones cannot be unlocked, unfortunately, which means you will have to endure the duration of your contract and make a change when it comes to an end. You can always pay off the remaining balance of your contract in order to get out of your contract earlier – but for some, this can be quite expensive.

Service

You can want to change your mobile provider for many reasons, some sensible, others not so. If you want to change your mobile provider, you must take into consideration the service of the area you are in, and if the new provider has a good reception in your chosen area. Our mobile phones, above all, need service, and there is very little point in changing to a provider who does not offer you superior service. If your current mobile carrier has a better network than the new provider, it would be better that you just stayed with them. Some networks, even mainstream ones, do not provide good service in cities, towns, and countryside all around the world, whereas others do. You may also want to consider going to a lesser-known provider if they offer you better service than your current provider or a new provider might. Service is the most critical thing when it comes down to our phones, and without it, they are virtually useless and cannot be used. Take into consideration the service of your new provider and ensure that you get the best offers that you can, lest your phone goes to waste.

Deals

Some providers offer deals far superior to others. If you are changing your mobile carrier, you may want to consider changing to a provider that offers better packages than the one with whom you are currently with. Data can be very expensive nowadays, so if you are making a change, you may want to change to a provider that offers more data for less. Our entire lives are driven by data, and it is for this reason that the data provider you choose should be the best of the best and offer the most competitive deals. You can find a full list of deals on the website of the carrier to whom you are changing, and if not, you can call them up and find out. If your provider offers better deals than the new one – it may be best to opt to stay with the provider who you are already with.

Extras

Many mobile carriers offer extras as part of your package with them. These can include vouchers for meals, free electronics, or free music and movies. When you are choosing a provider, assuming they meet the criteria set out previously, check if they offer any extras, or if their competitors do. Extras can be a fantastic incentive when it comes to opting into a contract with a mobile carrier. See if you can get the best extras as part of your contract so that you can have a lot more fun with your contract.

Now, with the help of this page, you know four things to consider when you are changing mobile providers. As this page has stressed, it is crucial you find the best provider available to you, and carefully research them and find out what they have to offer. Good luck!

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5+ Best Live Wallpapers for Windows 10 Desktop PC (2020 Edition)

23/09/2020

Through Windows 10 you get so many customizable wallpapers, form slideshows to different high-quality art images that will give you a good experience at your desktop. But just a simple image sometimes may look boring over the time and for this live wallpapers for windows desktop PC comes to place. These are beautiful, animated, and why not?! they could help boost your productivity?

Before Windows 10, it was not even imagined that you can do so much with your OS. If your dull-looking desktop needs to come alive, you need to start using live wallpapers and this article is just for you. Finding the right live wallpaper for your PC desktop isn’t always an easy task as the are some wallpapers that make your PC take more load and even crash it. So below is a list of some of the best live wallpapers you should use for a sleek looking Windows 10 PC Desktop in 2020.

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How to set Live Wallpapers in your Windows 10 Desktop PC

You can do this simply by using a third-party software and below we are going through the downloading and installing process of the supporting app which enables to use of Windows 10 live wallpapers shared below easily. There are free and paid options, but we are going to share a free method by using the DesktopHut app. As for the paid ones, DeskScapes does also a great job while having more features and you can try it for free for 30 days than you’ll have to pay $10.

Follow the simple steps below to install and configure DesktopHut supporting software to run live wallpapers on your Windows 10 PC desktop:

Step 1: Download DesktopHut app from here
Step 2: Start the installation but also take your time and be wary of the bloatware the installer offers. Dismiss all the offers except the DesktopHut.
Step 3: Once installed, navigate to the installation folder and then “right-click” on the DesktopHut.exe.
Step 4: Open “Properties”, next go to the “Compatibility” tab.
Step 5: Check “Run this program as an administrator” then click “OK” to apply the changes

Step 6: Now right-click again to “DesktopHut.exe” and choose “Create shortcut” to create a Desktop shortcut.
Step 7: Finally choose and download your favorite live wallpaper form the list below and open DesktopHut.
Step 8: Click at “Select Live Wallpaper” green button, navigate to the folder you saved the downloaded live Wallpaper and select it:
Step 9: Click “Play” and finally “Minimize” the DesktopHut app

Following the steps above you will be able to run Live Wallpaper at your Windows 10 PC Desktop. Now let’s dig in right at our selections of 5+ best Live Wallpapers of 2020 for your PC.

List of 5+ Best Live Wallpapers for your Windows 10 Desktop PC (2020 Edition)

#1. Hologram Girl from Blade Runner 2049

This live wallpaper, inspired by the Blade Runner movie, is for those looking something unique giving the desktop background a science fiction touch thus the moving Hologram girl in a mesmerizing manner.

Download Free (Hologram Girl from Blade Runner 2049)

Hologram Girl from Blade Runner 2049 Live Wallpaper

> Check out: How to make “Flip Clock” as a Screensaver (Windows and MAC)

#2. Star Wars Darth Vader

For all of the Star Wars fans, strongly in love with the sinister villain, Darth Vader, these dark live wallpapers will make your dull-looking desktop look cool with its moving theme featuring the dominant posture and its flashy lightsaber of the true SF franchise’s bad guy.

Download Free (Star Wars Darth Vader)

#3. Sunrise from the of Gondola on Whiteface

This is a wallpaper form the Whiteface mountain in the US, the fifth highest mountain in the US, and brings to your PC Desktop the most fascinating and amazing view of the sunrise from the Gondola place summit. This is a really lightweight live wallpaper and you will not have any problem regardless of your PC performance.

Download Free (Sunrise from the of Gondola on Whiteface)

Sunrise from the of Gondola on Whiteface Live Wallpaper

> Check out: Top Best Video Conferencing Software for 2020

#4. Tomb Raider

This is another top live wallpaper for your Windows 10 PC based on the Tomb Raider game showcasing the main character, Lara Croft. It’s dust and particle engine advantage makes the whole scene looks realistic.

Downlad Free (Tomb Raider)

#5. Blossom and Anime Girl

These anime live wallpapers inspired mostly by the Princess Mononoke or Death note are for all the anime lovers. Cos of the popularity of this genre, at DesktopHut you will find a different variety of these types of live wallpapers. This wallpaper below is from Death Note character.

Download Free (Blossom and Anime Girl)

#6. Lord of The Rings

Similar to what Star Wars did for the SF genre, the Lord of the Rings did for the fantasy genre which still remains undisputed as the best in this genre and because of that, we cannot just skip this Live Wallpaper that looks somewhat like a cut from Shadow of Mordor/Shadow of War games.

Download Free (Lord of The Rings)

May interest:

> Check next: Windows 10 Tips & Tricks: Top Best Most Useful Features in Windows 10 (2020)

So here are the neoAdviser’s suggestions of some of the best live wallpapers for your windows 10 PC Desktop to use in 2020. Got any suggestion?! please let us know in the comments section below, follow us on twitter and facebook for more news and updates.

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The budget foldable phone Royole FlexPai 2 5G costs $1,470

23/09/2020

CEO Bill Liu announced that the FlexPai 2 is on sale through the Royole website

At the end of March, we were introduced to an early look at the second generation of foldable-screen phone, the Royole FlexPai 2 5G. This phone comes with a flexible OLED panel and a format similar to Huawei Mate X.

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The new panel should have a better folding angle, better screen performance, and most importantly wrinkle reduction during folding. FlexPai 2 should have debuted in the first quarter of 2020 but today the wait is over.

In a virtually broadcast event, CEO Bill Liu announced that the FlexPai 2 is on sale through the Royole website. The base model has 8GB LPDDR5 RAM and 256GB UFS3.0 storage priced at $1,470 while the 12GB/512GB variant costs $1,710. Both are already available for sale.

The fodable screen is a step forward for Royole. The panel of Flexpai 2 folds outwards thus becoming a dual-screen smartphone when the hinge is at 180 degrees. This technology is called Cicada Wing 3S by the company and it is “mirror-like smooth”, no creases whatsoever after over 1,8 million folds.

Compared to the competition Royole has set quite aggressive prices. The Huawei Mate X costs $2,510 while Samsung is asking $1,999 for the Galaxy Z Fold 2.

The FlexPai 2 has a Snapdragon 865 processor, 7.8-inch unfolded panel 1920 × 1440 pixels with 4:3 ratio, four rear cameras and stereo speakers.

Folded the main screen is a 16:9 5.5-inches while the one after the secondary is 5.4-inches with a 16:10 ratio. The main sensor of the rear cameras is 64-megapixel. The phone comes with Android 10 with its dedicated WaterOS 2.0 interface and a 4,450 mAh battery with QC 4.0 fast-charging capabilities at 18 W.

The phone supports 5G connectivity with all the popular bands, Wi-Fi 6, Bluetooth 5.1, and has a USB-C 3.1 port. It will be sold through JD.com’s own website and will be available starting from September 25 in three color variants Silver, Black or Gold.

> Check next: “Sony” revealed the Xperia 5 II model with technological innovations

So what do you think about this? Let us know your thoughts in the comments section below, follow us on Twitter and Facebook for more news and updates.

neoAdviser

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How Tech Can Help You Win Social Games

23/09/2020

The popularity of board games and other social games was thought to have dwindled because of video games and other technological innovations. What actually happened was that people ended up playing social games with friends just as much as they did before, and new life was breathed into them.

Board games have always been a great way to get together with friends and technology has been helping facilitate this, rather than hamper it. While video games and technology seem to be the opposite of helping out social games, there are a lot of ways they can help players improve their skills offline. Here is how tech is helping people win social games, and how it can help you.

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Memorization

Repetition is one of the most important parts of playing board games. The biggest factor in repetition is the ability to acutely employ memorization to help you remember your strategies, the rules of the game, and previous success and failures when you played. Memorization through technological means being able to practice the game through virtual forms, and learn from your mistakes each time. This is a prime example of how technology is helping developing better offline game players and could help you win your next game night.

A.I. Learning

One of the most important technological developments has been A.I. (artificial intelligence). The use of A.I learning has helped computer-controlled players provide proper competition to simulate playing against real players. This has helped games of all types that can be played with friends. Some examples are: on the site Unscramble.me A.I. is helping with scrabble and word games and in Monopoly you can play against computer-generated opponents. The learning capabilities of computers are helping players learn a strategy in their own time. A.I. has proven to be a huge tech development that is impacting how people play social games.

Socialization

Playing games online through various means has led to a development that many thought would be ruined because of tech. Socialization has actually benefited a lot from tech for many game players, not just video games. Being able to communicate with other players through voice chat or chat box has allowed people to strategize, taunt, and casually converse during gameplay, which is exactly how it operates outside of virtual gameplay. Many social games have a digital edition that has these features, and these chat features help keep the importance of socialization alive, just through different means. Even without being able to taunt your friend for making a bad move in a game, it is still possible to do it online, and knowing how to interact with people (in a polite manner) can help improve your performance playing social games in real life with them.

Statistics and Probability

The biggest reason for the invention of computers was to help calculate numbers and provide accurate probability metrics. These have only grown in speed, efficiency, and purpose since the initial computers were invented. Nearly any game, card game or board, deals with statistics and probabilities to help determine winners and losers. Understanding how a computer can help you calculate the probability of your moves shows how important tech is to your winning potential. This is the most basic use of a computer, to act as a calculator, but for games that have even the slightest use of probability towards winning (cards, dice, etc), it can provide an invaluable source to understanding how to win social games.

Tutorials

Learning how to play a board game is always important. There is never a shortage of information to learn how to play. The best use of tech in this instance is using tutorials on how to play videos. Board games and social games have a huge following so it is easy to find a written explanation of games, from Dungeons & Dragons to Catan, there is always an enthusiast out there that can share their insight into how to play. More visual learners can take advantage of video tutorials which helps out a lot when understanding the boards and pieces involved in these games. The abundance of learning material available online can help you learn the basics, and eventually start implementing master techniques to conquer any game.

Playing social games has not been affected by online gaming and other digital forms of entertainment as much as people had expected. With so many people playing these games, there was a natural regression back to spending time with friends sitting around and enjoying a good game night. With that said, technology can still help influence your chances of winning, and these examples highlight how important tech has been for your gaming skill development.

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Kim back to “normality”, sex photos in the middle of the night (PHOTO)

23/09/2020

The reality show star has posted some incredibly sexy photos

Kim Kardashian seems to have “overshadowed” the drama of her husband Kanye West’s mental disorder and has returned to “normalcy”.

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The reality show star has posted some incredibly sexy photos on her Instagram.

The 39-year-old appears posing in a bikini in a pool while enjoying a cocktail. For more see the gallery below:

What do you think about this? Let us know your thoughts, Drop a comment and let us know in the comments section below, your comments help us. Follow us on Twitter and Facebook for more news and updates.

neoAdviser

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Choosing Perfect Speakers Made Easy in 3 Steps

23/09/2020

This year’s quarantine made a lot of people notice the changes they have to make to their homes. If you have a nice television set without a home theater system or at least a couple of solid high-quality speakers at home then you’ll always feel like something is missing. It doesn’t matter how expensive your home theater is, if your speakers are not good, then the quality of the system will be affected. Shopping for the perfect speakers can be hard, but if you know what to look for, you might be able to find speakers with a reasonable price that will transform the way you listen to music, watch television shows and films and play video games. Here are three steps that will help you choose the perfect speakers in the blink of an eye.

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1. Understand Which Speakers Would Work Best in Your Home

There’s a huge variety of speakers that could be used for different purposes. You need to determine what you will be using the speakers to be able to determine the most suitable ones for you. For example, if you listen to music now and then, a couple of bookshelf speakers might be perfect, but if you’re looking for a speaker that provides general depth to the television shows you watch all days and the home movie screenings you have with your friends, then a soundbar and a couple of subwoofers can help you have a unique sound experience at home.

If you want to hear voices coming from different angles in the room, then you can try wall-mounted speakers or you can buy a few wireless speakers and have them placed in different parts of your room to enjoy the surrounding sound they offer. In that case, you need to understand that sound quality is affected by the size and the space of your space. If you want to add your speakers in a small room, then you will be needing to buy a powerful set of speakers. Keep in mind that speakers can be very expensive without offering the quality of sound you hope for. Compare prices, specifications, sound, and pick the right ones for your budget as well as your needs.

2. Determine the Specifications You Need

You need to know if you’re going to connect those speakers to your television, receiver, or stereo system because in that case, you’re going to need a specific wire. However, modern speakers operate with an improved set of cables that can help you connect it to whatever you want. Modern speakers can operate using Bluetooth or Wi-Fi, this guide here goes deep into the process of choosing the right Wi-Fi speakers for your home. You also need to understand and take note of the power of your amplifier. These numbers will help you determine that Watts and ohms you need. This avoids damage and ensures that the speakers you bought are compatible with your amplifier. The ohms show you how much amplifier power can your speakers resist, the watts, however, determine your speaker’s handling power. A speaker that is high in watts requires high and strong amplifiers or they’ll be ruined.

3. Learn How to Test the Speakers

If you have found the right speakers for you, you need to test them before you buy them blindly. Even if you’re planning to buy them online, you’re going to need to visit a store or a friend that has the same speakers and test them yourself. To test the speakers you need to knock on the frame to find out how solid it feels. If the speakers sound hollow when you knock on them, then it’ll sound hollow when it’s playing music. Make sure to check if all the plugs work and connect a device and start playing some music.

Try to listen for crackling, fuzzing, or distortion to understand how clear the speaker’s sound is, you need to stand close to the speaker and try to listen to the outcome. The material of the speakers and how tight it will determine the quality of the sound it emits. Test different features and settings, as well as different types of music, and try to connect to a variety of devices to be sure of the quality of the speakers you’re about to buy. You also need to be able to take a home test once you get back. Many speakers can sound impressive at first, but could get worse the more you use it.

Remember that the size and price aren’t the perfect factors that determine the quality of sound. You can find expensive standing speakers that sound worse than the cheapest speakers available in the market today. And you will not be able to judge the quality of the speaker’s sound from the specifications written on the website or the box. You need to listen to the sound the speaker emits before you buy it. Also, make sure that your speakers have a solid return policy and a good warranty system in case you want to return or change them. How things sound plays a vital role in how we enjoy it. A good sound system in your home will help you better enjoy music, films, and tv shows from the comfort of your couch. Isn’t that great?

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Why It’s Wise to Invest in Content Marketing

22/09/2020

The 21st century has afforded businesses a huge number of potential marketing avenues to pursue. This page will hope to tell you all about one specific form of online marketing (or digital marketing) that is known as content marketing; there are many forms of content marketing for you to choose from, and this page will hope to tell you all of them so you too can begin content marketing and can expand your business in ways that you could never have imagined would be possible. Investing in content marketing could potentially be the best decision you ever make with regard to your business.

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When investing in content marketing, it is important to also invest in other forms of marketing. Putting all of your eggs in one basket is never recommended, and there are many different forms of digital marketing that you can make use of to better your business and to bring in more customers. Content marketing is an investment that you will certainly not regret, and with the help of this page, you will now know exactly why that is, as well as knowing the many, many benefits of content marketing.

Want to know why it is wise to invest in content marketing? Keep reading to find out…

What Is Content Marketing?

What is content marketing, you might ask? Content marketing is a rather new (compared to other forms of marketing) type of marketing that works by creating content (online material, whether it be reading, videos, or photos) that is used to market your business or a business. Content marketing comes in many different shapes or forms, some of which will be expanded upon later. The general idea of content marketing is to create unique and interesting content that will draw in a key audience and influence them to want to buy from your company or your product.

Types of Content Marketing

There are many different types of content marketing, too many to mention, and far too many to explain in this article. Because of that, we will mention only the most popular and effective umbrella methods of content marketing that are utilized nowadays. The content marketing that will be listed below will only be types of content marketing guaranteed to yield huge results when they are employed as part of a content marketing strategy. Here are a few of them:

Social Media Marketing

Social media marketing is a very popular method of content marketing and is the domain of the ‘influencers’. The ‘influencers’ as they are known, are often young, social media entrepreneurs, who have monopolized on the popularity of youth culture and fashion and exploit it to make a fortune. Social media influencers will sponsor your brand and market your brand for you by creating content that is interactive and engaging. They will, for example, if you are a clothing brand, wear your clothes and take professional photographs in them to market them to their followers online. Social media content creators can be a great asset.

Blogs

Blogs are another popular type of content marketing, and one you should definitely invest your money and time into. Billions of people around the world read blogs every single day – which is why blogs are such an effective place to market your product. Usually, you can buy guest posts on blogs. This means, for those who are not marketing savvy, the blogger will post a post that is written by either you or them and is designed to market your product; this can be very effective and is a hugely successful way of bringing business to your company as well as developing interest and intrigue around it.

Vlogs

Vlogs, just like blogs, capture the attention of billions of people from all across the globe. Vlogs have, in recent years, become much more successful than the two formerly mentioned methods, largely because of the huge youth presence on video streaming platforms; vloggers can make an absolute fortune creating content – and because of the millions of views that successful ones regularly get, they are able to market your product or business for you by creating content designed to talk highly of it and explain the many benefits of it.

How to Invest?

Investing in content marketing is very simple and requires you to simply contact content creators themselves and ask if they would be happy, for a fee, of course, to sponsor your brand and to create content for it. Oftentimes, you will be very successful, and they will quickly reach out to you and agree to do what you have asked to do, for the price agreed upon. Some content creators (those with millions of subscribers) will likely charge a lot more than those who do not. It may be worth, for the first time, investing in a content creator with a larger following so you are able to see instantly the popularity and huge success that can come from content marketing online.

Creating Your Own Content

You can, however, if you do not wish to pay anybody, create your own content. This is not for everybody and many people start then fail as quickly as they have started when it comes to creating their own content; creating unique and interesting content is not as easy as it may sound and can be a big headache. You will have to spend days, if not weeks, sitting in front of your computer thinking of and developing unique and intriguing content.

How Much Does It Cost?

An initial, single investment into content marketing is unlikely to cost a lot of money but can be costly if you are on a budget. An average investment with a high-quality content creator should be around $100-$200 for the first time. The more and more they market for you, the more you will have to pay; you may be able to strike up a deal with a content creator and have them market you regularly for a discounted cost. It’s entirely subjective.

Now, with the help of this page, you know everything that there is to know about content marketing, as well as making an investment in content marketing. The future of marketing is content marketing, and getting involved in it sooner rather than later is a great way to monopolize and make a fortune.

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2021 Ferrari Portofino M with 612 Horsepower Arrives

22/09/2020

“M” is “modification”, described by Ferrari as “a name that refers to cars that have evolved to enhance their performance”

Ferrari Portofino M, is an evolution of the Italian brand supercar for the GT model, in order to offer more powerful performance and easier driving.

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The Portofino M now comes with the new eight-speed automatic V8 engine, instead of the old seven. The 3.9-liter engine now produces 612 horsepower, 20 more than the original model. As a result, it is about one-tenth of a second faster than the previous model to achieve acceleration from zero to 100 kilometers per hour. The car achieves this acceleration in 3.45 seconds.

The new model is available for order, while orders will be delivered from the second quarter of 2021.

> Check next: 2020 Audi A3 Sportback 30 G-Tron unveiled

So what do you think of this? Let us know your thoughts in the comments section below, follow us on Twitter and Facebook for more news and updates.

neoAdviser

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“Sony” revealed the Xperia 5 II model with technological innovations

21/09/2020

Audiovisual quality, compact size and 5G connectivity are among the strengths of the Xperia 5 II model

Sony has introduced the new phone model, Xperia 5 II, a smaller and cheaper version of the Xperia 1 II. As previously reported reports and leaks, this model is coming with a 120Hz, 21: 9, 6.1-inch, FHD+ HDR OLED display.

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Sony Xperia 5 II Specs

	Sony Xperia 5 ii
Display	6.1-inch OLED 120HZ refresh rate 240Hz touch scanning FHD+ resolution 21:9 aspect ratio
SoC	Qualcomm Snapdragon 865 Adreno 650 GPU
RAM Storage	8GB 128 or 2565GB
Camera	Rear: Ultra-wide: 12MP, 16mm Wide: 12MP, 24mm, f/1.7 aperture, PDAF Telephoto: 12MP, 70mm, PDAF, OIS Eye AF, 20fps tracking Video: 4K @ 120fps Front: 8MP
Battery	4,000mAh 21W charging
Audio	3.5mm headphone jack Stereo speakers Dolby Atmos DSEE 360 Reality Audio
Dimensions and weight Color	158 x 68 x 8mm 163g Black

Inside is the Snapdragon 865 processor coupled with 8GB of RAM which comes along with the 4,000 mAh battery that Sony claims will remain healthy even after two years of use. The phone also brings storage space and expandable memory capacity and a 3.5mm headphone port, for those who need and want both features. Xperia 5 II can support a number of generations for the 5G network.

The smartphone has a 6.1 polish OLED screen with an update speed of 120 Hz, inserted into a body measuring 158 x 68 x 8 millimeters and weighing 163 grams.

On the back is a Zeiss optics camera, all three of 12 megapixels, which integrates some of Sony’s Alpha camera technologies, including real-time AF for human and animal portraits and continuous shooting at up to 20 frames per second.

Improvements are also made to the front video, where for the first time on a smartphone comes the recording of slow-motion videos with 4K HDR quality and 120 frames per second.

Sony Xperia 5 II Prices and Availability

In the US, the Xperia 5 II will cost you $950 (£ 799 in the UK), with pre-orders opening on September 29 and deliveries expected from December 4.

> Check next: The second update for 2020 of Windows 10 near its debut

So what do you think about this? Let us know your thoughts in the comments section below, follow us on Twitter and Facebook for more news and updates.

neoAdviser

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5 Reasons African Prefer Mobile Money over Cash

21/09/2020

Financial inclusion could have been a vague hope for a variety of African countries. With a failing financial environment, weak road infrastructure, and lack of knowledge of financial resources, financial inclusion appeared out of reach. People have been asking What is MTN mobile money, M-Pesa, basically the mobile money movement in Africa has changed the tide and how! This technology has changed how citizens behave on the street. It is no ordinary feat for smartphone penetration to cross 80 percent in Africa, twice that of banking penetration! Wondering why the people of Africa welcomed mobile money with both hands? Here are five factors of why mobile money is a big success in Africa. Despite strong smartphone usage, just 6% of the population utilizes mobile phones to make financial transactions.

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And 60 percent of Nigerians actually do not have a bank account, because they do not have connexions to digital resources on sale. By comparison, 73% of Kenya’s population has a mobile payment account.

Paga, one of Nigeria’s largest mobile money operators, operates multiple kiosks in Lagos, especially in communities where the nearest bank or cash machine is simply too far away.

Every day, streams of consumers visit the booths to pay their bills and pass money by handing over cash instead of utilizing Paga’s mobile app.

Cash sales appear to rule, partially fuelled by a large informal market exempt from financial services. While several citizens in Nigeria now have cell phones, some claim they do not trust the technology. They believe that if the computer is hacked, their money is going to be too big, so they choose to conduct all purchases in person.

Effect of M-PESA on Africa’s economy

M-PESA substantially lowered transaction costs in Kenya. When it was released, the estimated distance to the closest bank was 9.2 kilometers. Eight years later, in 2015, the total distance to the closest M-PESA agent was just 1.4 kilometers.

As M-PESA began, it created a network of agents that were geographically distributed, which indicated that more citizens in remote and sparsely inhabited places were within control. This has culminated in substantial and widespread acceptance.

Now that consumers of mobile money are able to form more complex risk-sharing networks, it is not shocking that users appear to collect more remittances from more than non-users. This is especially obvious as users react to negative shocks.

Increases defense

Poverty and a handicapped economy have plunged Africa into a center for money point theft and cash-in-transit theft. The digitized existence of mobile money has removed this issue. Digitized transfers save hassle bringing money to banks or moving unions and avoiding robbery or banditry on the road. As of 2018, South Africa alone recorded more than one cash-in-transit robbery a day. The Africans lapped up mobile money in a move to get a stable payment system, and they did not look back!

Allows financial inclusion simpler

The exponential growth of mobile money lies in the fact that it has been incredibly fast. It is all about smartphones, wireless subscriptions, and wireless. A record 122 million mobile money accounts in Africa in 2017 are evidence of how convenient it has been to enter the financial ecosystem. Mobile money took those individuals to the financial map who had little chance otherwise. Women and the rural community are now behaving by pressing a mouse! People that were not part of the financial framework are now major spenders and cautious savers!

Costs of service are cheap

Traditional purchases include bank branches, workers, power, and services. Needless to mention, both of these labor expenses are met by the consumers themselves. This renders the risk of transacting a strain on the poor and discourages them from transacting. Do not neglect, first of all, the provision of facilities to reach the bank! Mobile money arrives like a blast of fresh air with abysmal low running costs! Safaricom MPESA charges are easy to grasp, also among the moderately educated rural population. These costs are explicitly stipulated and are negligible for us to manage.

Faster Overseas Trade

A substantial number of young Africans have crossed boundaries on job prospects. Sending money back home in an easy way every month becomes a matter of time. Mobile money providers have championed this to build an environment that makes for accelerated inbound receipts of foreign funds. According to the World Bank, Kenya has been a net beneficiary in remittances, with more than $2 billion in smartphone inflows in 2017 compared to $36 million in outbound transactions. Mobile money takes riches back to Africa little by little every year!

Swift & Quick Customer Service

Most citizens in third world countries lack the basic awareness of banking procedures and protocols. This lack of awareness in the criteria of the transaction makes most people cringe at the prospect of walking in a store. Mobile money systems, on the other side, render consumer engagement incredibly easy and smooth. Irrespective of the phone, all it takes is a few clicks to record. The method of submitting the funds is surprisingly clear. Paying off bills and services is available with a click of a button without any processing costs.

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