Phones are no longer just for phone calls. It can be computers, maps, tour guides, game centers, cameras, search engines, and much more. With the right apps, they can even become a tool for college.

We researched many of the educational apps out there and picked the 17 most useful apps for the average college student and applicant. These 17 apps can help you with your college search, college prep, college applications, academics once you’re in college, and the college lifestyle in general.

Pretty useful, right?

While these 17 apps shouldn’t be your only providers of information, they are certainly a convenient and fun way to take on a small part of the college admissions process.

So surf and happy download!

1. Peterson College Guide

• What it does: Allows you to search for information on thousands of institutions, including statistics such as selectivity, financial aid, and specializations offered.
• Best used for: quick search or browsing to get ideas about different schools. For a thorough investigation, rely on information from the admissions office and the school’s website. It is also very useful for campus tours.
• Favorite feature: “Shake for a college suggestion” feature. Just shake your phone and explore the random universities that pop up.

2. College Confidential Mobile App

• What it does: Provides articles on college admissions and allows participants to discuss various parts of the admissions process. You can participate in discussions on the go, check out college application blogs, and interact with other users.
• Best used for: background research and evaluation of what other college applicants are talking about.
• Favorite Feature: “Campus Vibe” section, which allows iPhone users to browse through hundreds of reports from students who have visited colleges at a specific school.

3.FutureU SAT

• What it does: Lets you play SAT prep games on the go. The games are based on a Kaplan curriculum and are accompanied by tips for taking tests.
• Best used for: supplemental test preparation.
• Favorite Feature: The portable nature of the app that you can study anytime or anywhere, which is great for constant exam prep.

4. SAT Vocab Challenge Vol. 1 by The Princeton Review

• What it does: It tests you on 250 vocabulary words often found on the SAT test. You can test yourself on positive and negative definitions, synonyms, antonyms, and connotations.
• Best used for studying vocabulary on the go.
• Favorite Feature: Some challenges are programmed to simulate the real SAT test-taking environment.

5. SAT Connect

• What it does: Provides SAT study on the go with 800 test questions, 7 diagnostic tests, study guides, and flashcards. Provide feedback on your scores and times and track your progress.
• Best used for: diagnosing SAT problem areas on your own and focusing on practice questions within those areas.
• Favorite Feature – Gives you detailed explanations of the answers to any questions you miss, helping you avoid making the same mistake twice.

6. Common mobile app

• What it does: Allows you to complete your application via your mobile phone, but it is not recommended.
• Best used for: checking the status of your application and ensuring that the various stages of your application have been processed.
• Favorite Feature: The ability to check the status of your application on the fly, you no longer have to fidget in front of a computer.

7. Dropbox

• What it does: Keeps documents in one easy-to-access place, which is ideal for the variety of essays and other documents you accumulate during the college application process. It allows you to sync files from various locations.
• Best used for: storing draft essays, recommendations, and resumes in a safe place.
• Favorite Feature: The app uses an online storage mechanism, which means that your documents are safe from inopportune computer glitches.

8.iStudiez Pro

• What it does: It tracks assignments and deadlines for all of its classes. You can also color code and label various extracurricular activities and post them next to your class calendar.
• Best used for: keeping track of the many obligations that come with being a college student. Having all your schedule information in one place will make it easier to plan your obligations and work schedule.
• Favorite Feature: The “Today” view reflects all your academic and extracurricular obligations for a particular day.

9. myHomework

• What it does: Provides a digital calendar for your homework assignments. You can sort your assignments into different class lists or view them as a calendar.
• Ideal for: planning your semester when you receive study programs for your classes. Knowing when all your tasks are due will help you plan your workload and avoid procrastination.
• Favorite Feature: You can set reminder alarms to warn you of upcoming due dates.

10. Verse

• What it does: Allows you to download thousands of text messages to your phone so they are available in a more portable format. You can choose from a variety of free jobs or purchase other jobs from the app’s partner stores.
• Best used for smaller readings for your classes. For most classes, it is better to own the actual book. However, for shorter readings, Stanza can save you from a very heavy backpack.
• Favorite Feature: You can transfer books from your e-reader or computer just by dragging them to the Stanza icon.

11. Mental case

• What it does: Allows you to create cards with text, images, or audio, or download existing cards online. After creating the flashcards, you can take the test directly from your phone.
• Best used for: reduces the time you spend writing flashcards and gives you more time to examine yourself.
• Favorite Feature: Being able to make high-quality picture cards is especially useful for classes where you need to know diagrams and graphs.

12. Instapaper

• What it does: Saves web pages so you can access them later, even when you don’t have internet access. Saves most web pages as text-only files, making them easy to read even on your phone.
• Best used for: bookmarking articles or pages that you need for class or are simply interested in. Being able to access them even without wireless coverage gives you more freedom to read and study wherever you want.
• Favorite Feature – If you’re looking for something new to read, you can check out what other friends are reading or choose from the editor’s pick list.

13. Evernote

• What it does: Lets you make random text, audio, or visual notes on just about anything. You can record notes, ideas, or snapshots in a searchable database for easy access later.
• It is best used to remember all the random facts and ideas that you will absorb both in and out of the classroom.
• Favorite Feature: Convert the text of any snapshot into readable and searchable text on your phone.

14. Boss

• What it does: Lets you exchange phone numbers and other contact information when your phone “collides” with your friend’s.
• Best Used For: The performance frenzy you’ll encounter during your first few weeks of college. You’ll meet a lot of people and Bump provides a quick and easy way to get their contact information.
• Favorite Feature: It almost goes without saying that being able to exchange phone numbers just by tapping phones is great …

15. PocketMoney

• What it does: It keeps track of your finances with data from any checking, savings, or credit card accounts you enter.
• Best used for: making sure you don’t exceed your financial limits in college. It’s very easy to forget how much money is in your checking account, but this app makes that information available even when you’re on the go.
• Favorite Feature – Charts and other analytics help you see where you’re overspending and how to cut back

16. Wi-Fi Finder

• What it does: Shows you the different Wi-Fi hotspots in your geographic area and how to get there.
• Best used for: Finding places to study in your local community. The app is also useful if you are studying abroad, where it can sometimes be difficult to just stumble across a wi-fi access point.
• Favorite feature: clear directions to the nearest wifi location

17. Urbanspoon

• What it does: Helps you find nearby restaurants and view ratings and reviews for each establishment.
• Best used for: finding a restaurant in your new college town. College is about exploring new things, so challenge yourself to discover the unique local restaurants your area has to offer.
• Favorite Feature: The “slot machine” gives you a random restaurant option when you shake your phone. It’s great for when you’re feeling particularly spontaneous.

University specific applications

Most colleges offer smartphone apps with calendars, upcoming events, college news, and important logistical information such as lunchroom menus or bus schedules.

Once you’ve decided which school you can attend, you need to check their website or iTunes to see if there are any apps available.

Landlords who haven’t realized the benefits of online rent collection miss out on a lot and the following will help them understand the benefits they can get.

Saves them time

They usually go to the post office to see if the payment is already at their PO box. Once it is, they will think about when and where they will deposit it. By collecting payments online, the rent is deposited directly into your bank account, which is convenient and stress-free. Online rent collection is crucial to the success of a property management business.

Keeps confidential information safe

Important tenant information is written on a check, such as their bank account and routing numbers plus their personal information, which sometimes includes their phone number. Scraps of paper with this type of information are risk prone and can be held liable as long as they are in possession of your tenant’s check.

Reduce stress

They do not need to collect the rent personally. They don’t even have to call their tenants, knock on their doors, or send them a monthly bill. The rental payment will be deposited into your bank account every month. Online rent collection is critical, but especially for homeowners who have to collect more than $ 1 million worth of rent each year.

Helps them maintain a stable cash flow

They are notified each time their tenant’s payment is processed. Therefore, they know the date the rent will be deposited into your account.

It informs them about the tenants who pay the rent.

Landlords in most parts of the country must know who paid the rent, as the payments determine who is a tenant by law. They will know the name of the tenant who paid and the amount.

Makes the celebration happy

Right now, many tenants are already paying their bills online. They will appreciate if you do not use a check. They will think of it as a benefit of being your tenant.

Get organized

By collecting rent online, they can easily transfer your income information to a spreadsheet, making tax preparation easier.

Facilitates the collection of other payments

When they’re set up, it’s easy to collect other payments like one-time utility fees, late fees, pets, and security deposits, among others.

It allows them to easily solve payment problems.

They will know immediately when tenants fail to pay due to lack of funds. There are other online applications that allow tenants to make other payments using another bank account or card to get paid immediately.

It allows them to be flexible with their finances.

Some apps allow them to arrange for payments to be deposited into different bank accounts so that the business can run smoothly.

The previous decade saw explosive growth in the commercial real estate life sciences sector. These are companies that are dedicated to medical research and the development of new technologies.

Some prominent examples that may come to mind are biotech companies or pharmaceutical companies.

Considerable amounts of capital have been and continue to be invested in this space, fueling a wave of expansion in medical research that focuses on new technologies and drugs involving DNA and mRNA, stem cell research, and more.

Exciting new technologies have emerged that have rekindled excitement in the scientific community, such as artificial intelligence and new advancements in cell and gene therapies.

The COVID-19 pandemic has drawn increased attention from the general public to a sector of the economy that was experiencing rapid expansion.

As soon as we invest in life sciences real estate, we must also remember that developing or investing in multi-family real estate near life sciences facilities can be very profitable.

For example, an area with the headquarters of a pharmaceutical company may charge higher rents than the surrounding areas because it will bring in higher quality tenants both directly and through cross-business deals. This is good for all surrounding businesses, from supermarkets, gyms, shopping centers, and healthcare services.

We are residential professionals targeting multi-family housing, but several of our Class A developments are on the “progress line,” surrounded by life science infrastructure and employers.

Upon

Real estate for life science companies includes a laboratory space for conducting physical experiments, as well as a workplace component.

As technology has advanced, the proportion of your typical life science center dedicated to the workplace has improved.

Scientists and researchers are now spending more and more time on highly advanced computer modeling applications for many parts of their study that were previously unavailable.

As a consequence of these trends, these facilities today tend to have slightly more office space compared to laboratory space.

The talk about lab space may shrink as computers play a larger role in the studio, but that doesn’t mean it’s an afterthought in business. On the contrary, the laboratory spaces in demand are now more sophisticated and avant-garde than as highly specialized study areas are pursued.

Like all flexible real estate, life science facilities need flexibility and adaptability. As different fields of research are pursued over time, laboratory space may need to be reused, expanded, or relocated to different regions of the facility.

Buildings that allow for this type of adaptability have been in high demand from life sciences companies who want to stay for years and can go through several different phases of research. There is no point in developing a space that cannot be adapted as the company grows.

Demand has continued to outpace supply within this sector and has shown no signs of slowing down in the short term. Listed below are some of the reasons why you should consider adding a life science real estate investment to your portfolio:

1. Financing

As the old saying goes, “follow the money.”

They provide grants for scientific research and have awarded more than $ 100 billion in these grants in the last five decades. Additionally, Cushman & Wakefield released a report a year ago that showed very good growth over the past decade, along with venture capital investments in the sector that grew from $ 3.7 billion to $ 17.4 billion.

The report also found that between 2012 and 2019, research and development pay by life sciences companies increased by 40%. A similar report from CBRE agreed, finding that venture capital funds flowing into the life sciences field are up 40 percent from where they were a decade ago.

2. Growth:

Our development company started in Boston, Massachusetts, which is currently ranked the number one market for life sciences by various sources.

We saw from the start the enormous growth of the local economy driven by the life sciences sector, which translated into demand for newer and better homes, lodging and other new industrial investments (visit our post Explaining Demand for real estate for more information). information).

This rapid expansion saw an already robust backbone of 9.6 million square feet of life science commercial real estate expand to 18 million square feet now, according to CoStar.

These trends are being seen across the country as venture capital funds and grants encourage these companies to seek increasingly usable space for their research needs.

There is also some level of late-onset growth due to the timely nature involved in exploring and creating new technologies and treatments. The funding that has been obtained over the last decade originally led to R&D that is only now beginning to bear fruit. The push for a vaccine after the outbreak of this COVID pandemic reveals indicators of the type of muscle these companies have begun to exert after years of continuous progress.

Another lesson that the COVID pandemic has educated business is the demand to bring the supply chain back home.

Over-reliance on foreign links in the supply chain caused problems and created uncertainty during the pandemic, and companies want to avoid this by onshoring, even though this generates additional costs.

This trend will present an opportunity for the new evolution of warehouses and storage facilities for all these supply chains.

3. Vacancy rate:

Compared to traditional office commercial real estate, lifestyle science has about half the vacancy rate, 9 percent, when considered a national average. Strong markets like Boston and San Francisco posted exceptionally low rates of 4 percent and 2%, respectively, annually. It will be many years before the supply of new life science facilities can begin to adapt to current demand.

4. Jobs:

In a report published by Cushman & Wakefield, life sciences job growth was found to have increased 7.5% annually since 2013. This is an incredible increase compared to the previous twenty-year period, when growth of employment in this sector was 1% per year. Yet another indication that life sciences real estate is in a fantastic position, as employment development indicators are often some of the strongest clues to stable expansion.

5. New markets:

Although Boston, Seattle, San Diego and San Francisco would be the superstars in the life sciences world today, the business is growing rapidly and this has started and will continue to drive growth in new markets. Today’s major life sciences markets have a higher cost of living, making things difficult for both the employee and the employer.

This is really driving new markets, including Philadelphia, Maryland, and North Carolina, to name a few. Areas with a strong backbone of research-based universities and an educated population will be in a strong position to welcome new life sciences companies into their market.

For more information on investing in multi-family real estate, visit our library of articles:

https://winterspringcapital.com/articles/

Until recently, the term ‘corporate social media’ was defined as a refined and sophisticated profile of a brand and cautiously generated posts. The fundamental objective of corporate social networks was to generate influence, promote brand recognition and, finally, sell the products or services. Although the concept of corporate social networks has not changed, the procedure has undoubtedly been transformed. With advancements in technology, social media has become more powerful with trends like live video streaming. Live streaming means streaming video streaming in real time via social media websites or a dedicated streaming platform. With the appearance of Facebook Live, Instagram Live Stories, Snapchat, etc. a lot of people are now familiar with live streaming.

Let’s take a look at the different aspects of live streaming step by step.

Live broadcast and business – Taking advantage of live video streaming for commercial purposes merits it in multiple ways. Live streaming allows sellers to interact virtually with buyers and that too in real time with minimal cost. The natural, unedited feel of the content helps connect with viewers by giving them a personal experience. Videos streamed on social media make the business go viral, as its reach is much broader than that of other media. When a video is streamed live on social media, it remains trending as viewers continue to comment, like, and share it if they wish. Stable internet bandwidth, a good camera, and enough talent is all you need to create live video. Therefore, the cost involved is minimal. Once the live broadcast is done, you can use it to make a content marketing catalog. Video content can be extremely useful for promotional purposes such as testimonials, websites, social media marketing, etc. Live videos are a boon for those entrepreneurs looking for huge market exposure around the world.

Ideal practices for live streaming – First, you need to focus on preparing your live streaming video. Scribble a basic format of your video or show; whether written or extemporaneous. Check the methods of execution and probable problems. Finally, make a complete production plan taking into account adjacent aspects of infrastructure, labor, finances, etc. Second, never compromise on video quality. Based on your budget, find the best possible equipment for shooting. The technology and resources used in the production and post-production of your video decide the future of your live streaming videos; so never overlook it.

Once you are done with production, look for your promotion. You should treat live videos like live shows. Opt for promotional efforts like emails, social or digital commercials, teaser videos, etc. Build buzz about your next live video so you’re already starting to gather your audience. Create a solid strategy to drive your marketing initiatives based on the results you expect. Keep generating innovative ideas and concepts that can attract viewers.

Before you step forward to make your video go live; Think carefully about the desired platform. As mentioned, you can stream the video live on any platform of your choice; however, you must also consider the specifications of your requirements. For example, the purpose of your video, the target audience, a change in perspective to attract leads, the method and extent of interactivity, and platform compatibility. Once you understand what exactly your video needs to reach the world; you can quickly choose the best platform. There are many streaming apps that allow you to live stream your video on multiple social media platforms at once.

Tricks to implement a transmission strategy: You can hold closed sessions such as customer Q&A, expert Q&A to get your video spinning to a great extent. When customers interact with each other regarding content; exchange of experiences and comments takes place. Influencers and industry experts can also get involved in the process to clear up viewers’ doubts. Product launches or product demos are likely to get massive publicity if done in a live streaming video format. They create a show of enthusiasm and commitment about whatever you are pitching or showing off to buyers. Events, campaigns or contests when supported by social networks, get excellent responses. A strategy made considering the pros and cons of the live video you are making is known to be the most feasible and successful.

To summarize this topic, the suggestion is to focus on the items of interest to your target audience. The fun should be included in an innovative way that combines the desired message or information within your video. Each of your live streaming videos will certainly be a learning experience for you! Keep creating, keep broadcasting!

With a large number of highly intuitive mobile applications available on Google Play, it becomes difficult to optimize your application and get a constant number of downloads. For your application to be successful, it is essential to do your research and develop a unique strategy to present your application as more performing and better than the rest.

Following this fact, here are some of the most productive optimization tips to increase your app’s visibility on Google Play.

Search and put specific keywords in the description and name

Keyword research has always been an important part of a process that includes any optimization strategy aimed at a search algorithm. Try to use the set of keywords that are relevant to the application. Also, try to choose a set of keywords that enjoy the highest traffic scores and support changes to rank high as well.

Increase the visual appeal of the application

When considering the concept of App Store Marketing, the use of images that serve the interests of browsers is a key strategy to work on. You will need to choose the screenshots that accurately convey the main features of your application. This, in turn, will offer users a good reason to download your app.

Track your progress

It’s important to check your app’s ranking for specific keywords by using different performance measurement metrics. The different types of measurement metrics help to provide a clear view on the effectiveness of optimization strategies, allowing users to know their position in the market.

Create an attractive app and get good grades

Build an application that provides great value for your investment, and your application will receive upbeat reviews. Getting favorable user feedback will help improve your app’s ranking on Google Play search results pages, helping drive consumers to make the final decision.

Launch of promotional videos

Before buying an application, most consumers prefer to see how an application works. Marketing on Google Play through the Apple Store comes with the great benefit of including a YouTube clip of the app in action. This serves as a brilliant opportunity to show customers what the product is, how it works, and how it serves as a unique option and, most importantly, why people download it.

A well-built application has a direct impact on the various performance metrics related to the product. This certainly includes download growth, number of downloads, installs, number of ratings, and frequency of use as well. These facts and figures help to understand how well the mobile app is performing and whether or not it requires any kind of improvement while optimizing on Google Play.

AN INTRODUCTION
When it comes to disruptive technology, there is one company that reigns supreme. Amazon ($ AMZN). Amazon and its pioneering founder and CEO Jeff Bezos are responsible for disrupting more industries than I can count on my hands, and they keep going. In this article, I’m going to explain what makes Amazon such an efficient machine and the many industries that have been affected.

FIRST BLOOD
When was the last time you walked into a Barnes & Noble ($ BKS)? Or any other bookstore for that matter? How about the last time you visited the Amazon website? I’m willing to bet that almost everyone reading this has been to the Amazon website in the last few days, and I’m equally willing to bet that hardly anyone has walked into a physical bookstore in quite some time. The bookstore industry, symbolized by former giant Barnes & Noble, was the first victim of Amazon’s disruptive trends. Amazon’s roots go back to 1994 when the company founded an online bookstore. By designing itself as an online bookstore, Amazon was able to offer a much broader selection than any physical bookstore, as well as being able to offer the same selection at a lower cost to the consumer. As the free market normally behaves, consumers choose the cheapest option when offered an identical product or service. By 2007, Amazon had surpassed Barnes & Noble in book sales revenue, the same year they launched the first version of the Kindle e-book reader. In 2010, digital book sales exceeded physical book sales through Amazon. Amazon also runs the Audible company and website, one of the biggest players in the audiobook game. In 2011, Borders Group, which was only a few years earlier the second-largest bookstore chain in the United States, went bankrupt and ceased to exist a few months later. As of this writing, Barnes & Noble has a market capitalization of approximately $ 454 million. Amazon has a market capitalization of approximately $ 832 billion. Based on the market capitalization valuation, Amazon is worth nearly 2,000 times more than Barnes & Noble. Amazon’s entry into the bookstore industry and its replacement of previously established companies is simply the first of many industries that the Amazon bull has disrupted.

NO END IN SIGHT
After benefiting from direct retail sales and fees charged to third-party vendors on Amazon’s website, Amazon derives the largest percentage of its revenue from its Amazon Web Services (AWS) division. AWS has a history dating back to 2006. In the course of 2006, Amazon successively launched Simple Storage Service (S3), a file storage service as the name implies. Simple Queue Service (SQS), a service designed to automate message queues. And to end the year, they launched Elastic Cloud Computer (EC2), a service that allowed users to pay for server time to run programs and simulations. Today, around 100 different services are offered under the Amazon Web Services umbrella that can satisfy almost all digital needs. Today, almost half of all digital cloud computing is operated by Amazon. Similar to what happened with the bookstore industry, Amazon has taken over. By 2020, cloud computing is projected to be a more than $ 400 billion industry. And Amazon is poised to dominate this market for the foreseeable future.

CLAIM TO FAME
The grocery and retail industry is a perfect example of an industry that Amazon permanently changed and what they are best known for. To begin with, though, Walmart ($ WMT) has nearly three times Amazon’s annual revenue, so it’s not that Bezos and co have come to dominate the retail industry, but they certainly have made a dent. You could say that they have revolutionized the industry. Although they were founded in 1994, for the first four years they were just an online bookstore, but in 1998, the company expanded its catalog and began selling more than just books. Since then, the company’s online sales have grown exponentially year after year, and they have even been accused of bankrupting many traditional retailers. Amazon gets roughly 85% of its revenue from its retail business, so it’s clearly most of Amazon. By pioneering online retail, Amazon was able to establish itself as one of the biggest players in retail despite being entirely online, in part because of the convenience and lower prices. Most recently, in 2017, Amazon acquired Whole Foods, a luxury grocery store, to increase its market share in the grocery and retail scene. Through its online retail arm and physical grocery arm, Amazon is able to grab a sizable market share and keep the agency over the space. Oh, and just to put Amazon’s reach into perspective, more than two-thirds of all households have an Amazon Prime subscription.

OBJECTIVE WHAT MORE
Above I have talked about which are the biggest divisions of Amazon and why they are better known. But here I am going to talk about the lesser known parts. Amazon operates its Amazon Video service and is available to all Prime customers. This service acts as competition for television and traditional media and is popular with cable cutters, rivals other streaming services like Netflix ($ NFLX) and Hulu (soon to be owned by Disney, ($ DIS)) and offers thousands of movies and TV shows. shows. There’s Amazon Drive, which offers unlimited file storage for just $ 59.99 a year. They recently also acquired streaming website twitch, the largest video game live streaming site out there for Amazon in the streaming and e-sports industries. One of the first subsidiaries is A9, a highly advanced search engine and marketing company that operates on machine learning. Amazon also goes after autonomous vehicle companies like Tesla ($ TSLA) and Google’s Waymo ($ GOOG, $ GOOGL). Although, Tesla is not as advanced as many believe, nor as good an investment. Back to normal, they also have Amazon Music, Amazon Tickets, Amazon Home Services, Amazon Inspire, Internet Movie Database (IMDb), Amazon Go, Fire TV, Goodreads, Zappos, and many more. Go ahead and look for Amazon subsidiaries or services offered by Amazon that I haven’t talked about, you can probably find at least a few dozen more. A couple of days ago, Amazon even announced that they were acquiring an online pharmacy to offer an online pharmacy and pharmaceutical delivery service that will revolutionize traditional pharmacies.

THE CONCLUSION
Right now, Amazon is the second most valuable company in the world by market capitalization. The only company that surpasses them is the tech giant Apple ($ APPL). Based on Amazon’s enormous growth potential and lack of equivalent competition, I believe its value will continue to skyrocket. They are in a unique position to disrupt almost every industry imaginable and succeed at the same time. Amazon is a remarkable company that will continue to expand indefinitely, and I would recommend anyone to invest in the company, even though some people believe they are overvalued.

A BIN list can be downloaded in Excel format to use as a database, or it can be consulted directly using an API. How does this work?

The BIN database, also commonly known as the Bank Identification Number database, is used for card verification. Any credit or debit card issued by a bank will have its information captured in the database. The database is then used as a tool for verification purposes. In other words, the card being used will be compared to the information in the database. If it is correct, the transaction will be approved. If found to be incorrect, the transaction will be instantly declined.

As you can see, the database can be a very useful tool if you are handling transactions online. What happens if the card being used is stolen? Without a BIN list, you will never know, until the bank notifies you that the charge was refunded.

A chargeback occurs when the rightful owner of the card files a dispute with the bank. He or she can claim that the transaction is unauthorized (as is the case when a card is stolen) and that the transaction is fraudulent. The bank is likely to side with the consumer. When that happens, the bank issues a charge and the funds are returned to the card owner. The retailer will be responsible for the return fees. What happens to the merchandise that has already been sent to the customer? The responsibility lies with the retailer to get it back. As you can imagine, this task is fraught with difficulties. It is a route that most business owners would prefer to avoid. Goods can sometimes cost up to thousands of dollars per transaction and the experience can be extremely painful.

To avoid such cases, a BIN database can be downloaded and used to prevent card fraud. Traditionally, the database is only available in Excel format. This is a common database format and most developers would have no problem integrating the database with the back end of an e-commerce website.

But some business owners just don’t want the hassle of having to update the database on a regular basis. For these business owners, they have another option. They can now submit queries directly to the database through an online API.

The API is a great solution because business owners don’t have to deal directly with the database. All updates are handled by the service providers. To use the database, simply send a request using the API and the service provider will return a response in XML format. It may seem a bit technical at this point, but it is actually an easier solution to implement compared to a database.

Today I noticed an article on iPhone applications that said that there would be up to three hundred thousand applications in the store by November 2010. How many of these applications could be useful to anyone? How do you scroll through the myriad of apps to find those few apps that will help make your day easier for business and personal use? You can go to various sites that offer iPhone app reviews that will give you the iPhone apps that best suit the app you want.

At appstoresapps.com you can search a variety of app categories for just about anything you can think of. There are featured apps (I can’t determine what makes them featured unless they just pay for the privilege of showing up at the top of the page) along with links to free apps and paid apps and iPhone app reviews. There is even a tips section for iPhone users to maximize their device’s capabilities.

If you click on the “Most Popular Applications” link, you will be taken to a page with many links beginning with “Top 50 …”. Some of these categories include Top 50 Free Game Apps, Top 50 Free Entertainment Apps, Top 50 Free Lifestyle Apps, Top 50 Free Utility Apps, and many more categories. These categories are reflected in the Top 50 Paid Game Apps, Top 50 Paid Entertainment Apps, etc.

For entrepreneurs, you can check out the Top 50 Free Utility Apps that start with an interesting app called Touch Scale: JaJa and Company. Touch Scale supposedly turns your device into a scale that can weigh small items like jewelry, coins, etc. These apps are ranked based on iTunes statistics, so since it was listed first, it should be the most popular (downloaded) app. After reading the reviews, I don’t understand why this app could be ranked # 1 overall. Overall, the reviewers said the app was awful and it didn’t actually weigh anything.

The second application that appears in the Utilities section is AT&T Mark the Spot. This application allows users to notify AT&T when there is a service problem with their device and provides the user with the opportunity to instantly provide AT&T customer service with the exact location where the problem occurred along with more detailed information on whether the problem occurred only once. or repeatedly in the same area. This seems to be a much more useful app than the scale and most of the reviewers were of the same opinion.

The third most popular app seems to be aimed more at middle school or high school math students. It’s called Convert Units Free. There is a similar website that does the same, but for mobile devices it has a much cooler interface. It can convert almost any combination of units for mass, angles, area, energy, force, length, and data and has a calculator-like interface. Early reviewers liked the app and said it wasn’t fancy, but it got the job done by being the best iPhone app choice for unit conversion.

With necessity comes invention. In the modern era, when man thinks of talking on the move, the first thing that comes to mind are cordless phones that emerged in 1965. The first cordless phones never had the level of frequency that we have today. Research continued to be conducted by scientists and soon after, in 1994, the first digital cordless phones were introduced. Subsequently, digital spread spectrum or DSS technology took over in 1995 and the frequency level was increased to a higher level. In addition, the Federal Communications Commission or FCC also helped a lot in this regard. After reviewing the brief history and overview of phones, let’s discuss the usefulness of these phones in this modern age.

In the presence of mobile phones and the Internet and other sources of communication, you should never underestimate the usefulness of wireless phones. There is hardly a household that does not use the phones that have many benefits. The demand for cordless phones along with mobile phones keeps increasing in the market, which is evident as you will find these phones everywhere in the market. Most users love to use these phones while walking because they have no cable connections. This prevents them from wasting time sitting at home with landlines. The range at which he could talk wirelessly was about 300 feet, enough for his entire residence. However, there is an introduction of DECT phones on the market. Digital Enhanced Wireless Technology or DECT phones are the latest models of cordless phones that can cover the range of approximately 900 feet.

There are several sources including the internet and showrooms where you can learn about the advantages and new models with attractive new designs. However, keep a few things in mind when shopping for wireless phone deals. It is advisable to purchase the phones more frequently. Always insist on a 5.8GHz cordless home phone because it will provide you with the best signal quality, audio voice and display to display, SMS function, caller ID and clear sound with zero distortion. Also, as you know that competition is increasing in mobile phone companies, there are also a million fake products available on the market. You must make sure to buy cordless phones that are reliable and come from authentic companies.

If you were involved in a car accident from behind, you are probably wondering how much it is going to cost you. If you don’t have auto insurance, then you’re looking to pay anywhere from a couple hundred dollars to over $ 1,000. Read on to get an idea of ​​what your rear-end accident could cost you.

In a rear-end car accident, you will undoubtedly damage the bumper, taillights, rear sidewalls, trunk cover, and even the window. It depends on the severity of the accident. If you have car insurance, you may end up paying nothing, as your insurer will cover you for this accident. If you don’t have auto insurance, these are the costs you might be considering.

Bumper – If the damage was isolated to the bumper only. You could be looking at a bill between $ 300 and $ 800. It depends on the type of car you hit. The cheaper the car, the cheaper the cost of replacement or repair. If you crash into a Mercedes, Lexus, or other luxury car, then you’re looking at the higher end of that price range.

Taillights – If you broke your taillights in the accident, chances are you’ve also damaged the trunk. The costs of replacing the taillights alone can cost anywhere from $ 100 to $ 300. If the taillight simply covers the corner of the car, then it is at the lower end of that price range. If you broke a taillight that is the wide type these are the most expensive to replace and you will pay for the high price range mentioned above.

From those two costs, you can see why it is better to pay for car insurance than to drive without it.

Rear sidewalls: the wide ones of the car are at the rear. These tend to buckle when you hit from behind. Therefore, there will be damage to the bumper and side walls. Replacing them can cost you between $ 400 and $ 900 each!

Trunk cover: If the trunk is bent or dented, you are responsible for it. These cost between $ 300 and $ 600. They can usually be repaired. If you just need a repair, you can pay as little as $ 100.

Rear Window: If the rear window is broken, the cost is $ 100 to $ 300. If the rear window does not have a defroster, you will end up paying the cheaper price of $ 100. If the rear window has an embedded defroster, and if the window was tinted and had an embedded car antenna, so you will pay a much higher price, close to $ 300.

You could also be facing medical costs. If the person had whiplash, you will be responsible for the hospital bills. If you had auto insurance, your premium may go up. It depends on who your insurance company is.