#Best Payment App 2022

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about How to Pay off Debt

Understanding debt:

Let’s End This Damaging Misconception About Credit Cards

Season 2, Episode 10: “Which Is Smarter: Getting a Loan? or Saving up to Pay Cash?”

Dafuq Is Interest? And How Does It Work for the Forces of Darkness?

Investing Deathmatch: Paying off Debt vs. Investing in the Stock Market

How to Build Good Credit Without Going Into Debt

Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?

It’s More Expensive to Be Poor Than to Be Rich

Making Decisions Under Stress: The Siren Song of Chocolate Cake

How Mental Health Affects Your Finances

Paying off debt:

Kill Your Debt Faster with the Death by a Thousand Cuts Technique

Share My Horror: The World’s Worst Debt Visualization

The Best Way To Pay off Credit Card Debt: From the Snowball To the Avalanche

The Debt-Killing Power of Rounding up Bills

A Dungeonmaster’s Guide to Defeating Debt

How to Pay Hospital Bills When You’re Flat Broke 

Ask the Bitches Pandemic Lightning Round: “What Do I Do If I Can’t Pay My Bills?” 

Slay Your Financial Vampires

Season 4, Episode 3: “My credit card debt is slowly crushing me. Is there any escape from this horrible cycle?” 

Case Study: Held Back by Past Financial Mistakes, Fighting Bad Credit and $90K in Debt 

Student loan debt:

What We Talk About When We Talk About Student Loans

Ask the Bitches: “The Government Put Student Loans in Forbearance. Can I Stop Paying—or Is It a Trap?”

How to Pay for College without Selling Your Soul to the Devil

When (and How) to Try Refinancing or Consolidating Student Loans

Ask the Bitches: I Want to Move Out, but I Can’t Afford It. How Bad Would It Be to Take out Student Loans to Cover It?

Season 4, Episode 4: “I’m $100K in Student Loan Debt and I Think It Should Be Forgiven. Does This Make Me an Entitled Asshole?” 

The 2022 Student Loan Forgiveness FAQ You’ve Been Waiting For

2023 Student Loan Forgiveness Update: The Good, the Bad, and the Ugly 

Our Final Word on Student Loan Forgiveness 

Avoiding debt:

Ask Not How Much You Should Save, Ask How Much You Should Spend 

How to Make Any Financial Decision, No Matter How Tough, with Maximum Swag

Your Yearly Free Medical Care Checklist

Two-Ring Circus 

Status Symbols Are Pointless and Dumb 

Advice I Wish My Parents Gave Me When I Was 16 

On Emergency Fund Remorse… and Bacon Emergencies

Should You Increase Your Salary or Decrease Your Spending? 

Don’t Spend Money on Shit You Don’t Like, Fool

The Magically Frugal Power of Patience

The Only Advice You’ll Ever Need for a Cheap-Ass Wedding 

The Most Impactful Financial Decision I’ve Ever Made… and Why I Don’t Recommend It 

3 Times I Was Damn Grateful for My Emergency Fund (and Side Income) 

Buy Now Pay Later Apps: That Old Predatory Lending by a Crappy New Name 

Credit Card Companies HATE Her! Stay Out of Credit Card Debt With This One Weird Trick 

Ask the Bitches: Should I Get a Loan Even Though I Can Afford To Pay Cash? 

The Bitches vs. debt:

I Paid off My Student Loans Ahead of Schedule. Here’s How.

I Paid off My Student Loans. Now What?

Hurricane Debt Weakens to Tropical Storm Debt, but Experts Warn It’s Still Debt

The Real Story of How I Paid Off My Mortgage Early in 4 Years

Case Study: Swimming Upstream against Unemployment, Exhaustion, and $2,750 a Month in Unproductive Spending 

That’s all for now! We try to update these masterposts periodically, so check back for more in… a couple… months??? Maybe????

[zhanael]

Hey there, everyone.

I've been trying so goddamn long to not do this, but I need help, and I don't know where else to turn.

I'm known as Zhanael online, and I'm a disabled, ace lesbian living alone with my cat on the Front Range of Colorado, which ain't a cheap place to live. I moved up here to help take care of my mother before she passed, and attempted to work for a while afterwards, until my disabilities (both physical and psychological) got the best of me. I'm already on SNAP and Medicaid, but I'm still waiting on my (first-time) SSDI app that was submitted a few months ago. I have unemployment, but only about $114/wk after taxes.

I'm STILL $200 short of Dec. rent and I have a $600 credit card payment that needs to be paid ASAP, as I'm currently overdrawn due to interest. I've had to put EVERYTHING on that credit card since I last worked 13 months ago, so I've hit the limit, despite my best efforts. I've used up my 401k already, my friends have mostly done what they can, and my dad is on SSDI already, so his help is heavily limited.

Please help me, Tumblr. I only have PayPal and Zelle, so if you're willing to help out, the email is this URL at Gmail.

Or you can toss me your email and I'll send a money request through Payps. Whichever you feel is safer. DMs are open if you want more info.

Edit: Also just put up a GoFundMe here.

Even if you can't help, have a great rest of 2022 and stay safe.

And as a bonus, here's my lovely girl, Blake:

[thurisazsalail]

Community assistance wanted!

A friend is queer, Native, and has stage 3 cancer. Finding work is... Not Easy. She's getting gigs here and there, but you know expenses are high.

(This cat yoga photo might get views.)

She moved to another state for medicare. Florida doesn't have it + county assistance paid for bloodwork and that's about it. That's *why* the cancer is stage 3 now. Moving is her best hope.

BUT she needs move-in down payment. Her last place rented started inventing theft accusations, mysteriously after they found out about being queer.

Funny how that happens.

She has $200/700 move-in fees. Deadline is Dec. 30th, 2022.

If anyone can help, even $2, please! 🙏

$App - $PerthroSupplies

Paypal .me / perthro supplies (all one word)

Thank you! 🩷💜💙

[amazingsaving]

Amazing Saving For You

GET AMAZING SAVINGS: Get your Temu coupon code now!Are you ready to revolutionize your shopping experience? Say hello to Temu, the online shopping platform that takes convenience and affordability to the next level. Just as we offer amazing deals to meet your needs, Temu brings similar excitement to the world of e-commerce with exclusive offers and discounts. Exclusive TEMU Promo Code: Use code “acr715885” to get up to 30% off! About Temu Temu, which stands for Team Up, Price Down, is an e-commerce company that connects consumers with millions of merchandise partners, manufacturers and brands with the goal of empowering them to live their best lives. Temu is committed to providing high quality, affordable products to enable consumers and merchandise partners to realize their dreams in an inclusive environment. Temu was founded in Boston, Massachusetts in 2022. Lightning DealsTemu Flash Deals are limited-time flash sales with deep discounts on select items. New offers are added daily and appear directly on the home page. There will be discounts on several categories, including household goods, sports equipment, jewelry, and gifts. On top of these flash promotions, Temu Lightning Deals can help you find 50-90% off items. Promotional banners with links to individual discount pages will be displayed throughout the site.More Quick Savings TipsSign up in the app to receive rewards, coupons and offers. Subscribe to Temu's email newsletter to get additional coupons and deals: 1. Visit the site every day to “spin the wheel” for additional Temu coupons 2. Get free shipping on many items via the site 3. In the app, click “ EARN CREDITS & GIFTS' for saving 4. Refer a friend via the app to earn gifts 5. New customers receive a free Temu voucher pack worth €100 via the app 6. Enable push notifications on your phone to receive instant access to new discounts and coupons via the app How to use the code Temu coupon1. Log in or sign up for Temu 2. Add items to your cart 3. Go to checkout 4. Find the “Apply Coupon Code” field Apply your Temu coupon code there to save! Temu FAQs How do I get a discount on my first order from Temu? Register on the Temu website and check the promotions within your account, and you will be eligible for a new customer offer. You can take advantage of the subscription package containing vouchers worth €100+. When are the big discounts on Temu? Check Temu on important shopping holidays like Black Friday, Cyber ​​Monday, Halloween, etc. They often run special offers at these times and may also offer additional Temu voucher codes to save on your order. Can I buy now and pay later on Temu? Yes, customers can avail multiple financing methods on Temu. Afterpay or Klarna will spread the total amount over four instalments, while Affirm can offer lower monthly payments. Each service has its own terms and no fees will apply if you pay on time. Work with us, watch the prices drop, and discover why savvy shoppers make Temu their go-to destination for everything they love and need. Your saving adventure begins now – are you ready to shop smarter, not harder? Join Temu and turn every click into a savings celebration! Exclusive TEMU Promo Code: Use code “acr715885” to get up to 30% off!

[alexin-wonderlust]

Day 2 - Japan Blog - 8 February 2024

Disneyland

I promise this blog wont be as lengthy but I really wanted to share my tips about hot to get in to Japan; today we are off to Disneyland. Let's get it off the bat, first thing, straight to the good stuff. Starting the day with a Squeeze Squeeze (my favourite Orange Juice, it is the most pulpiest juice ever, it's like biting into an orange) we started the commute to Disneyland. 

Now; I wanted to get there early -- I didnt think ropedrop was necessary but apparently it was. I missed out on the Space Mountain priority pass AND the Enchanted Tales with Belle priority pass (the one you have to pay for...) I was actually blown away. The amount of planning I did; and that still wasnt enough to anticipate the crowd that was the day we attended. I managed to sweet talk one of the lovely Cast Members at Space Mountain and she gave me a Switch Rider Pass, arigato -- so I could come back and use that at a later time (just like a fast pass). Ben didnt want one because he isnt a "ride guy". Fair enough, but SPACE MOUNTAIN IS AMAZING -- if you are a ride guy and want to try something awesome, please give it a go. You wont regret. 

After being sad and chucking a tantrum about not being able to go on the ONE RIDE I SO BADLY WANTED TO RIDE... I was satiated with a cute pink Mickey beanie and Ben got the matching glasses (because Valentines Day is next week!!) and then we went on to Toontown to see the bits of the park we missed last time. 

This is my sixth visit to Tokyo Disneyland and while there have been some changes -- It's so nice to see it back to "normal" since COVID. When we visited in November 22, there was so much magic missing and there still is; ahem -- single riders line, paper maps... just to name a few. But there are also some good changes and the merch is back to being fun and cute. I really enjoyed shopping at Disneyland a lot more this time than I did in 2022. 

(Bring back single riders lines and paper maps because I need it!)

Ben got to go on the Pirates of the Caribbean ride which I have been raving about for years (it was closed for refurb last time) and we even got to have a beer before hand -- Since when can you drink beer in Disneyland!? This is new and I like it! Also, seeing snow (albeit dirty piles, I dont care!!) in the park is SO GOOD -- I had fun doing a squish!

For dinner, we settled on the Queen of Hearts Banquet which -- of course, was mediocre at best. But, I mean. Its a counter meal, it is easy, fun and the theming is cute. Although my phone battery was starting to deplete and the charge bank I brought with me turned out to be a pile of trash. 

Here's a TIP! If you are going to be spending the day out and about -- PLEASE CONSIDER BRINGING A FULLY CHARGED BATTERY BANK.

If you cant, there are some options; but Disneyland struggled to meet our needs and here's why.

-The charge spots are in Japanese. No issue, except I need my phone to translate and that drains battery.

-You need an APP to hire a battery bank. This is also in japanese and you cant translate it.

-You have to scan the QR code 3 or 4 times which means people are hanging around in the area, which is ANNOYING because therye in the way and you're stressing out because of the next point...

-It doesnt accept any other payment method except CREDIT CARD. Not debit card, not paypal linked to a credit card, not apple pay. It has to be "enter your CREDIT card details" to make a payment.

This was very frustrating because by the time I had located the charge spot; tried about 3 times; downloaded the app, created an account, tried to link my debit card, paypal, etc... my battery is now on 2%. EEP! 

HOW TO FIX; I went to the HOME STORE next to the American Waffle Co near the Main Street and they sell battery packs for approximately 2900YEN. Which was about $30AUD. This thing was amazing. It had enough charge to fill both ben and my phone to at least 60% and get us through until back to the hotel. Thank you Disney! :)

I wanted to keep this short so I will just say the next things in dot point form:

-Minnies Funderland promo is super cute but the girls hogged the picture spots and there were massive line ups for the special foods all day.

-Got some super cute pictures at Golden Hour at the castle. 

-Ben got his sherrif pin for winning the Shooting Gallery and getting 10 shots in a row!

-Rides we went on were Space Mountain, Star Tours, Pirates of the Caribbean

-The electrical parade is amazing but its TOO COLD -- the fireworks were bloody pitiful. Sorry, but they suck.

Then we start the long trek through the crowd back to the hotel (this is why I prefer to stay onsite when I go to Disneyland... its just easier for a hotel thats not much more expensive...!)

On the way back we found a supermarket and I stocked up on some "healthier" options; like a banana and I organised myself a bath and a face mask for my first relaxation, pamper session. One of my favourite things to do in Japan. While I was in the bath; Ben went to the 7/11 and they had an onigiri which has now plagued my brain -- pork and wasabi. I need more and I need them all.

[cindylouwho-2]

RECENT NEWS, RESOURCES AND STUDIES, early February 2023 (Part 1)

Yes, my latest news update is finally out - at least the first part of it. So much has gone on that breaking it into 2 parts seems like the best option for ease of reading. 

So the following contains the top news stories, all of the Etsy news, and general SEO information. The next update (coming in the next few days) will cover everything else that happened between the end of November and now. 

Since I am still a bit worried that Twitter will become unusable, I’ve begun posting more timely updates on LinkedIn, so please follow or connect with me there!  

TOP NEWS & ARTICLES 

As you may know, Royal Mail was hit by a ransomware attack that has restricted their incoming and outgoing international mail. Most international mail can now be sent, but things are still slow. Note that items entering the UK may also have taken longer than usual in the past month.

Etsy is continuing to refund buyers out of seller funds when cases are opened on orders $250 and up, even when tracking says the packages were delivered and some even signed for. I posted several of the Etsy forum threads and screenshots of deleted threads on Twitter. While many shop owners have received full refunds from Etsy after complaining, some of the recent examples are only getting 50% of the order value back. Let Etsy know what you think in this survey. Even orders below $250 are coming under additional scrutiny, with this news investigation [video and text] regarding a vintage shop that Etsy issued automatic refunds for without allowing the seller to comment on the cases. I am writing a blog post on the topic, so if you or anyone you know has been affected, please email me with the details - I promise to keep your details confidential if you wish. 

Americans who made at least $600 on a marketplace or through a payment processor/app in 2022 will not be receiving 1099-Ks for that income after all - the IRS has delayed that change for one year. The main reason seems to be the huge amount of new paperwork required for the platforms.

ETSY NEWS 

Etsy has had a bizarre checkout bug that only affects a tiny percentage of shops for a few weeks now with no sign of a solution for most of them. Shockingly, Support told one affected buyer “to go to another Etsy seller"! 

Hidden as a post in the Technical Issues section of the forum, Etsy announced that some non-US sellers would need to verify their bank accounts in 2023. They state that shops which opened after November 2020 do not need further verification, so I assume that means all of us non-US sellers who had to re-verify last year are ok as well. 

If you use the private listing option (even after Etsy removed most of the functionality), beware that those listings do not have a way to add estimated delivery times or return policies before publishing, so you need to rush to add them afterwards before the listing is purchased, or you lose seller protection. 

Etsy is testing (or doing a very slow rollout of) letting buyers make an offer on listings, but very few people have it. I did posts with a screenshot on LinkedIn, my Twitter account, and the Etsy Sellers subReddit. Here’s the Etsy forum thread started by someone who spotted this option. 

The “Updates to Etsy Search” article that came out mid-January is mostly coverage of things they did a few months ago, including an Add to Cart button in search, displaying the time remaining on expiring sales, video autoplay, and the Star Seller filter [don’t worry, the last one is hidden under the main filter button, so most visitors will never even see it]. They also mentioned the estimated delivery dates being displayed in search, but I haven’t seen that for at least a few weeks; right now I only see the filter they have had for a few years. [It’s pretty embarrassing when they make an announcement like this and it isn’t accurate - and they don’t even bother to correct it.] Remember, none of these things directly affect the ranking algorithm, and the elements of Star Seller - reviews, shipping on time and answering Messages promptly - are all part of the algorithm already, the latter 2 because they are part of the seller service level standards. If you are worried about the Star Seller filter, also remember that breaking any Etsy policy/rule can negatively affect your Customer & Marketplace Score. “to determine a shop’s Customer & Market Experience Score, Etsy considers a variety of factors that make up overall shop quality, including user reviews of products, whether or not a shop has completed an about section or its shop policies (e.g. returns), whether or not the shop may be able to fulfill orders in a timely fashion, and whether or not the shop may have violated any Etsy policies.” [my emphasis] 

January’s category updates includes 2 types of bags, plus changing “unisex” kids and baby clothing categories to “gender neutral”. 

The workaround to keep old written shop policies is now being removed, with many of us losing those old policies recently. You may be able to find caches on Google or Bing if you look quickly. Forum discussion thread. If you need to link to your new stripped down policies or your FAQs, here is how. 

Etsy is being sued for allegedly allowing counterfeit cashmere items on the site; expect the bots to start taking down anything with the word “cashmere” next. 

Etsy’s legal policies now include a page explaining their prohibition on “unsafe or recalled products” and including links to rules and reporting procedures for many countries’ reporting procedures. Recent recalls affecting Etsy include children’s pyjamas from Selfie Craft Company, and a baby rattle sold in one Etsy shop only. 

In the “bad publicity” category, part 1: US federal prosecutors say that an Etsy shop was used as a front for smuggling weapons components to the Russians. While the shop didn’t sell anything like that, they did sell gift baskets with commercial components, so Etsy could have avoided this bad press by following their own rules and shutting this shop down far earlier. See a screenshot of the shop in the comments of my LinkedIn post. 

Bad publicity, part 2: A shop's atrocious customer service went viral on TikTok, which then garnered more media coverage. That shop better be careful, because Harry Styles was already suing ecommerce sellers over products with his name and likeness (including on Etsy).

Also on the infringement front: Disney is suing a couple who have sold infringing items on multiple ecommerce platforms for years, including Etsy and eBay. My Twitter thread has screenshots of some of the products sold on Etsy. 

Etsy’s new Chief Legal Officer used to hold a similar role at Facebook. 

Etsy Strike spinoff group Artisans Cooperative is hoping to launch a new marketplace this fall, and now has organizing support from the US Federation of Worker Cooperatives, including funding from the USDA Rural Cooperative Development Grant Program. 

Etsy trend “predictions” for 2023 include 2 colours (indigo and honeycomb), marble decor, and “over-the-top” wedding looks. They provide some search trends from August to October on Etsy, so check out what people have been searching for! 

Note that that trends post is different than this one, which includes more detailed search trends and addresses shopping holidays. For example, “56% YoY increase in searches on Etsy containing “personalize gift mom”. You also need to know that there was “1420% YoY increase in searches on Etsy containing “hot pink decor”. 

Etsy loves running tests so much they give out trophies for starting the most.

This article [soft paywall; Modern Retail] says that holiday sales were down on Etsy, but Etsy hasn’t released any numbers yet. 

This is perhaps my favourite Etsy story ever: how an unusual custom order ended up seen by millions as it hangs on the International Space Station. 

SEO: GOOGLE & OTHER SEARCH ENGINES 

Everyone selling online loves December algorithm updates, so Google started rolling out a new Helpful Content Update around December 6. “Google said this update will "tackle content that seems to have been primarily created for ranking well in search engines." Both the Helpful Content and Link Spam updates finished rolling out on January 12. 

Ahrefs has updated its link building chapter in the Beginner’s Guide to SEO. “Links are incredibly important for ranking well. And it is quite rare that you will outrank pages that have a lot of strong links—unless you get just as many.”

Understanding basic Google SEO is not enough to have a successful website; understanding how to structure your website is also crucial. For more on that, here’s another article on pillar pages and topic clusters [semi-advanced; you need some basic knowledge of website structure and SEO to fully grasp everything.]

There’s often confusion on long tail keywords and how to use them - this article should clear that up. 

EAT has become EEAT: Google search quality raters now evaluate “experience, expertise, authoritativeness and trustworthiness” instead of just the last 3. “Google explained that there are “some situations where really what you value most is content produced by someone who has first-hand, life experience on the topic at hand.” 

Repeat after me and Google’s John Mueller: the number of times a word/phrase is used on a page (aka keyword density) is not a positive Google ranking factor. 

Also, readability ratings do not affect Google ranking either, and John Mueller confirmed that as well. Writing for your intended audience is important, however, and that can include some elements of “readability”. 

Using artificial intelligence (AI) to write articles for websites is not against Google rules, but using AI just for SEO purposes is. Not surprisingly, more than one media site is already using AI to write content with SEO in mind: CNET is no longer solely about tech news, for example, and the articles apparently have a lot of plagiarism. Should Google be doing more to stop this junk from ranking? Maybe not - they are already working on using it themselves. 

Speaking of AI writing, Search Engine Land did an overview of ChatGPT and how it may affect the SEO industry. 

Yandex (Russian search engine) had all of its source code leaked. This Twitter thread goes through the different ranking factors and compares them to Google in particular. 

Yahoo Search is making a comeback. No, really. They are even hiring! 

You were probably busy in December, so here’s a summary of what Google was up to; here’s January as well (both including some things already covered in this news update). If you were busy all throughout 2022, then read the full year summary too. 

Here’s a change - was there a Bing algorithm update around January 18? (Usually this question is only asked about Google.)

[putschki1969]

“Wakana Classics 2022 〜Christmas Special〜” Here I Come!

Okay, it’s official, I won my fan club exclusive special ticket for Wakana’s Christmas live! BANZAI! Already made the payment so the ticket was added to my SKIYAKI app. It was my first time using the service for a ticket purchase. Pleasantly surprised by how foreigner friendly everything is (although I have heard of other overseas fans running into trouble). What I really don’t like about this service is that the ticket is only available digitally in the app. I am old-school and like to have something physical to hold on to (I am one of those people who still print their boarding passes because I don’t really trust apps to work at all times). Everyone, please keep your fingers crossed that the app won’t die on me while I am in Japan. No idea how the location/sim-card change might affect it (hopefully not at all). On a side note, I ran into some trouble regarding my credit card. Yesterday I paid the ticket with my VISA (which worked perfectly fine, no issues whatsoever) but then last night at 4 a.m while I was sleeping, I suddenly got a couple of notifications for some suspicious deductions from my card (one was for Tokyo Disney Resort and the other for JR East). I am familiar with both and have purchased stuff from them in the past but that was years ago when I was still traveling regularly to Japan. I made no recent purchases with them. I already contacted my credit card company to make an inquiry about that but all they could do was block my card. I also contacted SKIYAKI because I am kinda worried about a security breach on their website. It seems weird that so soon after using my credit card for their service, I get these random deductions for payments that I definitely did not authorise. Has anyone had a similar experience with SKIYAKI?

Anyway, now it’s time to buy a plane ticket. I am really not looking forward to that since it will cost me a small fortune to get to Japan. I always knew Christmas wouldn’t be the best time to travel but I did not expect prices to be this abysmally high. Oh well, I am desperate to get back to Japan and see my babies again (even if it’s just one of them), I feel like this has to happen now. I have fully committed to this trip so I am gonna see it through, no matter the cost.

[celiastjamesoscar]

There's so many awesome display case options out there. I upgraded to Moducase (now Moduspace, I think?) and the wait time sucks (though they've been getting better) because they're made to order so I waited almost a year and half to get my first order (my second order should be here soon. I think. Though I ordered this one in Nov 2022 still). But they're so nice and I've seen some really awesome Lego displays with them. So, kind of want my entire collection to be displayed in Moducase stuff.

So, best place to buy stuff would be BigBadToyStore (they got $4 shipping, and you can create a pile of loot and ship everything all together for only $4!). Dark Horse Direct is also a good site, they do a lot of exclusive stuff so even though shipping sucks that's where you'll get the limited quantity stuff or limit time pre-order stuff. Prime1 stuff (if you're willing to pay that much) ordering direct from Prime1 will get you the stuff quickest (shipping is insane though) but you can also order Prime1 from bigbadtoystore (more of a wait though) and the site gfxdistrubition is the US distributor for P1 so you might have better shipping but again wait time is insane (I have the Jin Sakai on order from them and I ordered April 2022 and it released not long after and I'm still waiting for it). Also, a plus side to ordering direct from Prime1 is payment plans! $1500 looks like a lot but when you break it down to only paying $89 a month for 12+ months it makes you feel so much better! Almost forgot! Gaming Heads. They are a website that does statues I think they still have the Ellie from TLOU2 for order (which is out now) and they're doing a Joel & Ellie from 1 (which is a pre-order and a bit of a wait) and they do some exclusive versions that are limited (like I got the hunter edition Ellie, and she comes with a blood head sculpt and an interchangeable bow or machete.

Literally the only reason I have such a cool collection is because I pretty much only work and go home. And home is still living at home (one of the good things about not being able to afford living on your own?) also payment plans. Payment plans are literally the best thing ever for expensive shit (I wish Lego did payment plans).

You are a saint!!! I just wrote down all of those names in my Notes app and I cannot wait til I get paid so I can buy some display cases! Payment plans are so underrated and it also helps me save money (in a weird way).

I looked at some of the Moduspace ones and those ones look so awesome! I really like how they are made for order. You seriously should not have told me about Moduspace because my obsession with Legos is about to reach a whole new level. Right now I’m currently looking the website and I’m kind of excited to see what they have. Thank you so much for telling me about this! I’m also going to look into the other ones as well!

I looked at an Ellie statue on Gaming Heads and it was like $600. there was also a death claw one from Fallout for like $1,500 😭

[aloomicdigital]

Why Mobile Application Development Is Vital for Your Business in 2023

It makes sense that mobile app development adelaide has become so important to any company’s success. Customers find it more convenient to use mobile apps because they can connect more easily, obtain information more quickly, and stay informed about their favorite deals. This blog will discuss the importance of and advantages of app development for Android and iOS for businesses.

Smartphone Use is Almost Universal

Nowadays, smartphones are commonplace items that almost everyone owns. Consumers like mobile apps because of this, and since over 67% of smartphone owners in the US use their devices to access the internet every day, this is a crucial component of any business.

Mobile app downloads have dramatically increased over time, and it is predicted that by 2022, companies will make $693 billion from the development of mobile applications through in-app advertising and app stores.

What Businesses Can Gain from Developing Mobile Applications

Let’s examine the various justifications for why businesses need to develop mobile applications.

Obtain a Larger Audience

Businesses can reach a wide target audience — even one that is global — through mobile applications. A company can promote an efficient marketing strategy and raise its brand recognition and awareness with a well-developed app.

Improvement of Customer Accessibility

The best way for a company to give customers easy accessibility is through a mobile app. Users of mobile apps have access to the data, services, goods, and procedures they require. They can receive the necessary services in real-time because it can even provide notifications. Customers can always access basic services thanks to some apps that can run without an internet connection.

Promotes brand loyalty and recognition

A well-made mobile app can enhance a business’s customer services and raise consumer awareness of and recognition for the brand. Additionally, it improves customer-brand communication, which may promote brand loyalty.

Improved Sell Through

Customers spend more time on mobile apps than on mobile websites, so a business can generate more revenue from its app than from a website. By doing this, a business can gain more clients and develop.

Enhances the Shopping Experience

Facilitates Social Media

Businesses can incorporate social media links into mobile apps, allowing users to quickly interact with the brand by pressing a button. This also makes it feasible to engage more customers in marketing your company.

Give customers a variety of banking options

Mobile payment is one of the best ways to customise your app so that it is at the centre of your users’ needs. Businesses can offer a range of quick, secure, and user-friendly options.

Simple Customer Data Access

When a business makes its goods and services available through a mobile application, it has quick access to its customer information. It’s simple to create a management system, and businesses can use the app to gain insights into customer behaviour.

Easier marketing and feedback

Businesses and customers can connect easily through mobile apps, making it simple to get feedback on goods and services. With the development of mobile applications, marketing is also relatively simple, and you can request specific features from your Android and iOS app development company to add value to your company.

Customer time is saved

In conclusion, the creation of mobile applications is crucial for companies of all sizes. It gives businesses the chance to reach a larger audience, enhance customers’ retail experiences, and make social media simpler. Customers can also benefit from mobile apps’ convenience, access to their data, and ease of feedback and marketing. Businesses can advance to the next level and maintain an edge over the competition with a well-developed app.

[projectcubicle1]

Top 6 Best Network Sniffing Tools In 2022 - A Complete Guide

Top 6 Best Network Sniffing Tools In 2022 - A Complete Guide

  Knowing what’s going on with your network from moment to moment is the only way to troubleshoot issues swiftly and avoid downtime. There are lots of tools that give you on-the-fly insights into network performance, but not all are created equal. To help you find the right network sniffer, we’ve ranked the best of the bunch on the market right now.

SolarWinds

As well as supplying products including service desk software for IT departments, SolarWinds also has an impressive Network Performance Monitor package, part of which is the Network Packet Sniffer. As the name suggests, this is capable of quickly identifying the causes of performance snafus, while ensuring that the data that it delves into is displayed in a coherent way. Another benefit of this tool is that it lets you sift through network traffic according to the different types of applications that are being used across the infrastructure. Thousands of apps are supported natively, including common social media solutions, communications services, cloud storage products and much more besides.

Auvik

Like SolarWinds’ offering, there’s a lot to be said about the user-friendliness of Auvik’s competing network sniffing tool. You don’t need to be a mastermind to work out what’s being tracked and analyzed by the software, and this kind of shallow learning curve is very useful in any new tool that’s in line for adoption at your organization. It’s also worth noting that this service is browser-based, which is convenient in terms of not being reliant on a local installation, or being beholden to a specific OS ecosystem.

Wireshark

So far we’ve discussed network sniffing tools that offer free trials, but require payment to unlock the full functionality of the premium experience in the long term. With Wireshark, you get an open source tool that’s free to employ and is backed up by a large community of users, along with a vast knowledge base which you can draw upon to make the most of it. It supports Windows, Linux, MacOS and other platforms, and makes it easy not only to track traffic, but also export the data that’s gathered in whatever format you prefer for additional analysis and reporting elsewhere.

ManageEngine

The NetFlow Analyzer from ManageEngine may have a fancy name, but it also manages to have a clear and unfussy interface and a solid set of capabilities that make it worth considering alongside its better known rivals. You can use it to identify patterns in network traffic, and to oversee the ebb and flow of resource usage, logging everything as time passes and empowering admins with the info they need to make improvements to performance.

Paessler

Paessler’s PRTG platform is a wide-ranging monitoring solution in the same vein as SolarWinds’ equivalent suite, and factors in monitoring for traffic from the web, alongside things like file transfers and mail servers as well. As you’d expect from an enterprise-focused tool, it comes at a price, but you can try it out for free for up to 30 days before committing, which is helpful for budget management. One selling point of this tool is that it offers support for mobile operating systems like Android and iOS, and so is arguably more flexible than some of its rivals.

TCPDump

The most basic of network sniffing is provided by TCPDump, which is entirely command-line based and follows the open source approach to development. You’ll need to get to grips with the syntax it deployed to execute user instructions, but once you have it’s a lightweight and efficient monitoring solution. The thing to remember is that you can always change how you monitor your network, so don’t get wedded to one tool if there’s a better option out there. Read the full article

[shop-korea]

The Music Man - “Lida Rose / Will I Ever Tell You?”

DEAR - KOREAN - GIRLS - OF - SEOUL,

DEAR - KOREAN - BOYS - OF - SEOUL,

MAYBE - THE - APP - ITS - STILL - $1,000 - OF

THE - FIRST - MONTH - OR - WILL - DO THAT

AGAIN - JESUS - IS - LORD

APARTMENTS . com

CREATED - NEW - ACCOUNT

BARBERSHOP - QUARTET - AN - AMERICAN

INSTITUTION - SINCE - LAST - CENTURY

‘THE - MUSIC - MAN’

SHIRLEY JONES - PRETENDING - NOT - TO

BE - PREGNANT - BUT - LATER - DIDN’T YES

SUCCEED - INTRODUCED - IN - ‘OKLAHOMA’

FOUND - THE - BEST - WITH - EV - ELECTRIC

VEHICLE - CHARGER - FREE

GARAGE - ADD - $75 - MONTHLY

ONLINE - PAYMENTS - MAINTENANCE PORTAL

2 - ORDER - FREE - REPAIRS

COMMUNITY - AMENITIES

MAINTENANCE - ON - SIGHT

PROPERTY - MANAGEMENT - ON - SIGHT

ITS - LIKE - NO - MORE - LANDLORDS

GATED

DOG - PARK

PET - WASHING - STATION

BYCYCLE - STORAGE - ADD - $10 - MONTHLY

STORAGE - UNITS - $75 - $175 - MONTHLY

BUSINESS - CENTER

SWIMMING - POOL - LARGE

CLUBHOUSE - LOUNGE

CONFERENCE - ROOM 

FITNESS - CENTER

SPA 

APARTMENTS - FEATURES

RECREATION - ROOM

BALCONY

315 - UNITS

6 STORIES

BUILT - IN - 2022 - NEW

FRONT - ARE - BUSINESSES - L AND R

LIKE - SUSHI - SAKE

APARTMENTS

ELECTRONIC - THERMOSTAT

RESIDENT - SOCIAL - EVENTS

CHRISTMAS - VALENTINE’s

NON-SMOKING - COMMUNITIES

YES - PREGNANT - FEMALES

COFFEE - LOUNGE

EV - CHARGING - STATIONS

CONCRETE - CEILINGS

BIBLE - ‘DEPART - FR - EVIL’

DEPART - FR - DOWNTOWN - MIAMI

BRICKELL - DORAL - WEST - JUST GO

BY - ELECTRIC - CAR - 2 - DOLPHIN MALL

24 HOUR - FITNESS

JERSEY - MIKE’s - SUB - SANDWICHES

CITI FURNITURE - 10A - 9P - DAILY LIKE

ASHLEY - FURNITURE

THE - BEST - HOME DEPOT

MON - SAT - EARLY - BIRDS

6A - 10P

SUNDAYS - 7A - 8P

PODS.com/HOME DEPOT

THEY - HAVE - A - CODE

FORGOT

OFF - LEASH - GATED - DOG RUN

HIGH - SPEED - FIBER - INTERNET - READY

OVERSIZED - WALK - IN - CLOSETS

QUARTZ - COUNTERTOPS

ENTERTAINMENT - ISLAND - IN - KITCHEN

PET - SPA - DOG - WASHING - GROOMING

STATION

PRIVATE - BALCONIES - AND - PATIOS

USB - CHARGING - PORT - OUTLET

WOOD - STYLE - PLANK - SO - PRETTY

PRIVATE - SPA - ROOM - MASSAGE TABLE

2 YEARS - OLD - APARTMENT - BUILDING

BEST - ELECTRICITY - BILLS

CHOOSE - YOUR - CITIBANK

MON - FRI - 10A - 5P

01) 201 S BISCAYNE BLVD STE 770

MIAMI FL  33131 - 4335

(786) 235 - 9353

02) DRIVE - TRU - BUS - AND - METRORAIL

32 MIN - 1190 S DIXIE HWY

CORAL GABLES FL   33146 - 2918

(786) 245 - 4854

ANOTHER - WHOLE FOODS MARKET

SOUTH - MIAMI - OTHER - HOURS

MON - SUN

8A - 10P

WFM - COFFEE - BAR

8A - 8P

HOT - FOODS - SALAD - BAR - ALSO

CAR - 13 MIN

BUS 40 - BUS 37 - TOTAL - 39 MIN

BIKE - 23 MIN

WALK - 1 HOUR - 11 MIN

BUS - 1 MIN - 2 - MARKET - WALK - 3 MIN

WHOLE FOODS MARKET

6701 S RED RD

SOUTH MIAMI FL   33143 - 3630

(305) 421 - 9421

SAME - DAY - DELIVERY - BAKERY - TOO

APARTMENTS . com - APP - ALSO

WINDSOR CASTLE - BERKSHIRE - ENGLAND - UK

OWNER - NOW - KING CHARLES III

FAVORITE - RESIDENCE - OF - HER - MAJESTY

QUEEN ELIZABETH II - MONARCH - OF THE UK

GOD - BLESS - THE - FORMER - QUEEN

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GOD - BLESS - THE - KING - HIS - MAJESTY

ZIP CODE - 33155 - LIKE - WALMART - SUPERCENTER

SELF - SERVICE - CHECKOUT - OUTSIDE - SMALLEST

PARKING - LOT - FRONT - OF - CHINESE - FOOD - AND

LARGE - ROSS - DRESS - 4 - LESS - AND - FIVE BELOW

GLENVAR HEIGHTS

2024 - OVER - 17,902 - POPULATION

WHITE - HISPANICS - 2 KINDS - WHITES - AND BLACKS

APARTMENTS . com

WINDSOR LUDLAM TRAILS

STYLE - CHOSEN

A3 - ENTICE

1 BEDROOOM - 1 BATH

670 SQ FEET

DECREASED - ONLINE - MAJOR 

NOW - $2,514.00 - AVAILABLE - 22 OCT 2024

STAY - AT - HOMEWOOD - SUITES - KITCHENS

WITH - OVENS - BY - HILTON - AT BRICKELL FL

HILTON - APP - FREE - NIGHTS

7004 SW 40TH ST APT 555

MIAMI FL   33155

COUNTY - MIAMI - DADE

ADD - MONTHLY - UTILITIES / SERVICES

UTILITIES - ADMINISTRATION - FEE

JUST - $5 - EACH - MONTH

TOTAL - $2,519.00

ONE - TIME - MOVE - IN - FEES

ADMINISTRATIVE - FEE - $300

APPLICATION - DEPOSIT - REFUNDABLE - WHEN

NOT - APPROVED - $400

APPLICATION - FEE - $50

NON-REFUNDABLE - $350 - CAN - BE - BY - YES

HARVARD - LAW - UNDER - DISCRIMINATION OF

RACE - COLOR - GENDER - AGE - AND INCOME

DOGS - LIMIT 2

CATS - LIMIT 2

EXAMPLE - 2 DOGS - ADD - $30 - MONTHLY

ONE - TIME - FEE - $500

MONTHLY - THEN - $2,549

ONE - TIME - FEES - INCLUDING - PET

TOTAL - $1,250

LEMONADE - BEST - RENTER’s - INSURANCE

REQUIRED - FOR - LEASEHOLDERS - 1 YEAR

FASTEST - BEST - IS - LEMONADE - BEATS

ALLSTATE - BY - ONLINE

$100,000 - REQUIRED - PERSONAL - LIABILITY

YOUR - GUEST - FELL - IN - YOUR APARTMENT

THEY - SUE - $100,000 - WILL - B - GIVEN THEM

TOTAL - $74.92 - MONTHLY

WERE - YOU - ROBBED - FIRE - DESTROYED

APT - $20,000 - GIVEN - FOR - HOTEL - PLUS

LIVING - EXPENSE - MONEY - OR - ANOTHER

RENTAL - GREAT - DEAL

STOLEN - PERSONAL - PROPERTY - THEY

GIVE - $50,000 - OTHERS - THEIR - FINGERS

BLED - IN - YOUR - KITCHEN - GIVEN - $1,000

ADD - THIS - PET - DAMAGE - $500 - DAMAGE

2 - APARTMENT - ADD - $1.50 - A - MONTH OR

MORE - DEDUCTIBLE - $250 - I - CHOSE NOT

$500 - REALISTIC - LEMONADE - INSURANCE

GREAT - EASY - 2 - GET - TOTAL - RENT EACH

MONTH - UNLIKE - ALLSTATE

FREE - EV - CHARGING - 2 - CHARGE - YOUR

ELECTRIC - VEHICLE

361 MILES - CHARGED - ONCE - AT - LEAST

FASTEST - CHARGING - BATTERIES

40 MIN - 100%

18 MIN - 80%

HYUNDAI - IONIC 6 - EST - $53,650 - & - 2024

TOTAL - 2 MINIATURE - YORKSHIRE - TERRIERS

REAL - LITTLE - USA - WEBSITE - OVER - $6,000

EACH - TEACUP - SMALL - TRUE - ENGLISH TOO

TOTAL - MONTHLY - CHEAPER - THAN 

DORAL - WEST - PENTHOUSES - OVER - $3,500

TOTAL - WITH - PET - GARAGE - INSURANCE - 2

$2,698.92

BLACK - METAL - MAILBOXES 

MAGAZINE - SUBSCRIPTION

GATED - APARTMENT - BUILDING

WINDSOR LUDLAM TRAIL

GLENVAR HEIGHTS - 33155

LIKE - WALMART - SUPERCENTER

BANK - CITIBANK

NO - MINIMUM - DEPOSIT - PUT - MONEY - BEFORE

90 DAYS - REGULAR - CHECKING - NO OVERDRAFT

FEES - NO - BOUNCED - CHECK - FEE - ENJOY YES

BUILT - IN - 2022 - BEST - ELECTRICITY - BILLS

ABOUT - DORAL WEST - DOWNTOWN - MIAMI

ABOUT - BRICKELL - MEN MARRIED - 2 - MEN

BIBLE - ‘DEPART - FROM - EVIL’

LEAVING - MAIN - LIBRARY - PARKING - LOT 33

WOMEN - FIRST - FOOD - 5:15P EDT - ENOY - 2

MIAMI - FLORIDA

JESUS - IS - LORD

[cindylouwho-2]

RECENT NEWS, RESOURCES AND STUDIES, Etsy & Google, early June 2023

Since I have been writing so much in detail about Etsy happenings lately, I didn’t have time to write my usual news summaries. Better late than never, here is what has been happening on Etsy and in the SEO world in general for the past few months. 

The bad news is I am on a 2-week road trip as of June 14th, so you may not get the rest of the ecommerce, social media and other news until into July, but I will do my best to get some work done in the car each day without an internet connection. 

Don't forget you can always follow me on Twitter or on LinkedIn to get more timely updates.  

TOP NEWS & ARTICLES 

Etsy sellers in the EU can opt out of Offsite Ads. In fact, even shops from Switzerland can do so. The UK is not currently included, and no one knows which EU law makes this possible. If Etsy gives you trouble when you try to opt out, keep pushing.  

If you ever thought Etsy wouldn’t put your shop on payment reserve, did you know they did it to Katwise? From numerous other reports in the last month or two, Etsy is now putting more shops on reserve for very small increases in recent sales, and plenty of other bizarre reasons. One seller contacted me because the now-on-reserve shop had been empty and unused since May 2022! I’ve updated my blog post with some new details, and have a new list of potential factors. Please let me know if you have recently been put on reserve and if any of the factors - known or suspected - apply to you. 

I’ve spent the past few months researching how Etsy’s seller protection plan works in practice, and yes, there are some things you can do to reduce the chance of losing money due to Etsy’s new rules. 

ETSY NEWS 

In a disturbing development, Etsy sellers in India now must use Etsy Labels for all domestic orders. Unfortunately, I don’t expect this will be the last country Etsy does this for, as Etsy is already making it difficult for people in other countries to mark orders as shipped. Anyone experiencing this issue can avoid it by using the app, by buying labels on sites with automatic integrations with your shop (so the order is marked shipped immediately), or by trying this tedious workaround on every order. 

As I previously reported in beta, Etsy introduced a “Make an Offer” option for US vintage sellers in April. 

Etsy is pulling the usual last-minute attempt at complying with new laws by having some sellers re-verify info before the INFORM Act takes effect in the US. 

Etsy’s Annual Transparency Report shows that their technology is mostly flagging items that aren’t prohibited on Etsy, even after a few years of adopting this automated approach. I cover it in detail on Tumblr. If you are interested in how search is working these days, definitely read my post! This could explain some items suddenly getting no views. 

Speaking of which, the latest glut of bot takedowns involved several different areas:

handmade items, often best sellers from successful shops. Some have not been successful getting the listing reinstated after several days of trying

drug paraphernalia, usually for items that aren’t even remotely drug-related

listings making medical claims, which now includes mentioning the FDA. Read the updated Medical Claims policy here.

Despite this supposed increased effort of Etsy policing the site, the counterfeit accusations against the Etsy marketplace continue to percolate through the media and blogosphere, with some noting that both counterfeit and basic reselling [Glossy; soft paywall] hurt genuine handmade and vintage sellers. If you prefer video on the Citron report, here’s one from Yahoo. Then this Washington Post article [gift link; no paywall] got a lot of attention regarding dropshipping and how you can get a lot of the same things cheaper on Alibaba; there was also an investigation in the UK that came to the same conclusion. 

Etsy even addressed the negative media attention in the first quarter report, which I covered on Tumblr as usual. In case you missed it, the fourth quarter of 2022 is here. 

If you use abandoned cart coupons, note that many shoppers are now receiving them within a few hours of carting your item. 

Some sellers - mostly but not all in the UK - discovered they could no longer use the shipping carrier option “Other” on their listings around May 12. Listings already using this option cannot be edited or renewed with more than a quantity of 1. Etsy Support has told many of them that this is intentional, and that they will need to select listed carriers - but Etsy does not offer some of the common Royal Mail or other carrier options in their coding. This removal also prevents sellers from using extended delivery dates when the official ones are too optimistic, putting them at risk of forced refunds under the Purchase Protection Program. 

Canadian sellers now get reduced Tracked Packet (US) rates for Canada Post through Etsy Labels, but there are several problems with the offer. It’s only available to people with Solutions for Small Business accounts (many sellers have commercial contracts, which are not eligible for this deal), but the labels purchased no longer count towards Solutions for Small Business tiers. That means you will eventually end up paying more for your non-US labels, and for your labels for other platforms and your website. It therefore isn’t useful for bigger shops that sell to more than the US, or sell through multiple channels. Also, it appears that you can get a lower rate at Canada Post counters, as well as through eBay as of April 27th. And even if you don’t use any of those sources, tracked packet to the US has been only marginally more expensive than small packet since September, so make sure you compare prices before opting for the untracked method. 

Etsy has reintroduced its wedding registry, and included the latest wedding trends in the blog post. This should work better than the first time they did it in 2012, since Etsy now has many more items sold in multiples that can be on dozens of registries without selling out. 

The old Etsy seller app was removed from app stores by May 23, and eventually it will not work any more. 

As mentioned in a previous update, now that Etsy has brought on “tens of thousands” of new sellers in India, they are working on attracting buyers in the country. In India and interested in opening a shop? Etsy has a specific “how-to” page for you. 

A new listing page is currently being beta tested and should be available to all sellers now, but you can opt out if you have it. 

Etsy Up was held in mid-May, and all of the sessions are available online now. Most of it is rather bland advertising for Etsy, although new sellers may learn some things. 

The somewhat-depressing story of how one tech writer managed to open an Etsy shop in a week with all AI-designed artwork and print on demand services. “I created a series of four retro-futuristic puzzles. The MidJourney prompt was merely this: retro-futuristic. The results were just so good that I decided to use them as-is.” Note this still took a lot of editing and time, plus skill with the AI-art generator used. 

Reminder that Etsy knows it doesn’t have to keep every seller happy, just most of them [Fortune; paywall]. Josh Silverman said "...with 5.4 million sellers, no matter what you do, you’ll find 100,000 sellers that aren’t happy... We’re trying to create an ecosystem with the right incentives so most of our sellers can succeed." [my emphasis]

SEO: GOOGLE & OTHER SEARCH ENGINES 

Chat bot/AI search is the SEO hot topic of 2023 so far, but the commentary varies widely, and offerings are changing almost daily. Therefore, I will provide very few articles on the topics for the foreseeable future, since they are often going to be out of date by the time you read them. A few exceptions this time around:

One author suggests that AI will change SEO by making social media and question answering more important. 

Google is building a new AI search engine, while adding new AI features in the existing engine. 

“If your content isn’t better than what AI can produce, it’s not worth making.”

There are currently at least 7 types of queries that Google doesn’t use AI chat to respond to. [Twitter thread]

You can use Chat GPT to build Chrome extensions that complete SEO tasks and functions [I admit I can see this sort of thing being very useful for those of use who aren’t pro coders]

This post lists 7 good sources of AI news.

Since so much has happened since my last news summary, you may want to skim through update lists to make sure you didn't miss anything. Everything important that happened with Google in February is covered here (by Search Engine Roundtable), and here is March, then here is April, and finally, May.  

Google’s March Core Update saw big increases for some shopping sites, including Amazon and eBay, plus media and government sites.  Etsy seems to have dropped a fair amount, but this is just one study. Poshmark was also down. 

Want your images to show up in regular Google organic search (as opposed to Google Image search)? The quality of the page as well as the image itself can be important. The number of photos or images on the page may contribute. 

Ecommerce SEO is both the easiest and the hardest it has ever been right now. You need to do more than just post products. [slide deck]

Google updated its advice on linking, to now include advice on anchor text (aka link text) and internal links, among other changes.  

Title tags - the words that show up as your page title on Google and in the browser tab - can affect clicks beyond just keyword use.

Want to show up for Google’s featured snippets? (They’ve changed recently) You may need to edit the page in a few different ways. 

Just 16 companies (and all of their subsidiaries) control most of the top-ranking pages in Google searches. This is an old study with newly-updated information. 

A lot of small business owners ask me what “keyword difficulty” really means. Part of the problem is that different tools calculate it differently. [article has tips on how to approach the issue] On the same topic, don’t forget Bing’s keyword research tool when you are trying to find new keywords. There are 15 other free keyword tools in this article. [I always recommend Keywords Everywhere and TagCrowd] And here is a searchable site for all sorts of SEO tools (some are paid tools). 

Google’s Search Off the Record podcast took a look at moving websites, and the possible SEO issues, with solutions. [podcast and pdf transcript] Here’s a different post with a checklist for site migrations, in case you have one coming up. 

[zapmoney]

Why Personal Loan Apps Are The Future Of Consumer Lending  

In past years, customer demand and technological innovation have combined in a way that has completely transformed the financial services industry that serves consumers.  

The financial services sector faces trouble in 2022. People are in an ideal position to decide how they want to handle their payments, finance a home or automobile, pay for goods and services, or even borrow money due to several technological and economic variables.  

Many tech-driven financial services companies that serve consumers have entered the market in an attempt to address these changes and influence the direction of finance in the future. Lending has emerged as one of the most valuable money loan app concepts due to the applicants.  

In this article, we will look into the changes in consumers in financial services and how digital technologies are contributing to this fintech. Before looking into that, Let’s understand what is consumer lending.  

What is Consumer Lending?  

Consumer lending is finance provided for a particular individual or household consumer. It includes home loans, auto loans, and personal loans extended to funds for people who use funds for home expenditure or personal purposes.  

How personal loan apps are future of consumer lending?  

During COVID-19 digital platforms played a role in the usage of quick loan apps for making monetary transactions. A vibrant digital economy has been made possible by government initiatives and a new generation of digital customers. The way we currently access various banking services has undergone a significant alteration as a result of these significant developments.  

Lending has changed significantly to make loan finding simpler and loan processing less complicated.  

Additionally, India Stack—a collection of open APIs similar to eKYC—was introduced by the Indian government. Finance organizations can use biometrics or mobile OTP to accomplish the KYC verification digitally. Moreover, candidates can electronically sign and submit documents with esign. These technical developments have given India’s alternative lending market a significant advantage.  

Digital marketplaces that link lenders and loan seekers are a result of government initiatives and digitization, which is continually improving the efficiency of the lending process and making the best online loan apps. Because of this, internet lenders are making it easy, quick, and paperless for customers to apply for loans.  

Why are Personal Loan Apps Gaining Popularity?  

Personal loan apps gaining popularity because of the following reasons:  

Attractive User face:  

The user experience and design of loan apps are typically user-friendly, making it easy for the user to apply for a loan through the application process. It is also used to manage loan accounts efficiently and securely.  

Transparent and secure:  

Transparency in terms and conditions is emphasized in many personal loan applications. The ease with which borrowers can obtain information regarding interest rates, repayment plans, and related costs promotes lending confidence.  

Emergence of Fintech Companies:  

The popularity of personal loan apps has been greatly influenced by the development of fintech, or financial technology. Fintech businesses destroy established banking models by using cutting-edge technology to offer creative financial solutions.  

Accessibility to a reach more Audience:  

Apps for personal loans are available to a wider range of users, including those with low or poor credit history. Certain applications use alternate data sources to evaluate credit, making financing more accessible.  

Why choose Zap Money for an online personal loan?  

The following factors make Zap Money an best instant personal loan app: ReasonsExplanation Customer Support Zap Money may provide dedicated customer support channels for inquiries and assistance. Transparency As an online lender, Zap Money is an RBI-regulated app they have clear and transparent terms and conditions listed on their website. Competitive Rates Zap Money may offer competitive interest rates compared to traditional lenders or banks. Fast Approval and Disbursal The online application process happens faster approval and disbursal of funds. Flexible Loan Amounts Borrowers can choose loan amounts that fit their needs, within the lender’s specified range. Flexible Repayment Terms Zap Money may offer various repayment tenures to suit different borrowers’ preferences. No Collateral Required Many online personal loans from Zap Money are unsecured, meaning no collateral is needed. Customer Support Zap Money may provide dedicated customer support channels for inquiries and assistance. Transparency As an online lender, Zap Money may have clear and transparent terms and conditions listed on their website. 

[vijay01]

What are the top 10 trending fantasy cricket mobile apps in India?

In India, cricket is more than simply a game. It’s a lifestyle, a passion, and a way to connect with other aficionados. Thanks to the popularity of fantasy cricket, cricket enthusiasts can now develop their passion for the game even further by managing players, building their own virtual teams, and participating in online leagues against other enthusiasts. 

In India, there are a number of fantasy cricket applications that satisfy fans’ requirements and give them an engaging experience. Here, we’ll highlight some of the top fantasy gaming apps for cricket in India, emphasizing their standout features, usability, and exhilarating gameplay. 

Fantasy Cricket Apps Market Size in India

The size of the fantasy sports market in India is estimated to be Rs 13 crore in 2021 and is projected to grow at a compound annual growth rate (CAGR) of 32% from 2022 to 2032, reaching approximately Rs X crore. With almost 13 million users, India has emerged as the largest fantasy sports market in the world. 

While cricket currently dominates the Indian fantasy sports market, other sports like volleyball, kabaddi, hockey, and football are gaining traction and may eventually overtake cricket in terms of market share. However, over the next four years, fantasy cricket is predicted to increase at a 30% CAGR and continue to be the leading source of revenue for the fantasy sports sector. 

What are the top 10 trending fantasy cricket mobile apps in India?

Here, we present the top 10 trending fantasy cricket mobile apps in India. These fantasy sports apps provide diverse fantasy cricket experiences, catering to the interests and preferences of millions of sports enthusiasts across India.

Vision11

Vision 11, developed by Fantasy Sports Vision11 Private Limited stands out as India’s leading fantasy sports app, with a primary focus on cricket. It serves as a comprehensive sports management platform, empowering Indian sports enthusiasts to demonstrate their knowledge and skills. With a user base of over 20 million, Vision11 facilitates daily winnings exceeding 20 crores.

Vision11 is a top 10 fantasy cricket app that offers new users a sign-up bonus of Rs. 100 upon registration and allows payments directly to bank accounts. Users can also earn a referral bonus of Rs. 100 for each new member they bring onboard. The app ensures user convenience with a minimum withdrawal amount set at Rs. 100, making it accessible and rewarding for all fantasy cricket enthusiasts across India.

Dream 11

Dream11 stands as a powerhouse in the fantasy sports realm, boasting a colossal user base of over 220 million players globally. This platform offers enthusiasts the opportunity to engage deeply in fantasy versions of popular sports such as cricket, football, kabaddi, basketball, and hockey, among others. Founded by Dream Sports, a pioneering sports technology company in India,.

Dream11 is a top fantasy app in India that has strategically partnered with major national and international sports organizations, as well as prominent cricket personalities. These partnerships not only amplify fan interaction but also cement Dream11's position as a leader in delivering immersive and engaging fantasy sports experiences on a global scale.

BalleBaazi

BalleBaazi is highly recommended for fantasy cricket enthusiasts, particularly newcomers seeking a premier gaming experience. Renowned for its advanced features, this platform is one of the best sports fantasy apps in India that excels at delivering a top-tier fantasy experience. Endorsed by cricket legend Yuvraj Singh, BalleBaazi enjoys enhanced credibility and widespread appeal among users. It offers a generous sign-up bonus of Rs. 50, facilitating easy entry into the game.

Players benefit from convenient payment options like bank transfers and the Paytm wallet, ensuring seamless transactions. With a Rs. 50 referral bonus and a minimum withdrawal amount of Rs. 200, BalleBaazi provides a rewarding and user-friendly environment. Its robust features and user satisfaction make it a standout choice, as reflected in its positive ratings across fantasy gaming platforms.

My11 Circle

My11 Circle, managed by Play Games 24x7 Pvt. Ltd., is among the best fantasy apps tailored for passionate cricket fans eager to showcase their knowledge and strategic skills. This app allows users to create up to six teams per match, offering extensive options for team composition, caption selections, and predictions for standout players and optimal bowling pairs. 

Users not only participate in a variety of contests to challenge others but also have the option to create custom contests to compete with friends and family. With an impressive user rating of 4.3 out of 5, My11 Circle boasts a substantial user base exceeding 4 crore players. It has distributed over ₹500 crore in prizes, underscoring its stature as a top choice in the competitive world of fantasy sports.

MPL Fantasy

Founded in 2018 in Bengaluru, India, Mobile Premier League (MPL) has emerged as a leading online gaming platform offering a diverse range of over 60 games. These include board games, sports simulations, fantasy sports, puzzles, and casual games, catering to a broad audience of gamers. MPL's fantasy cricket app stands out for its realistic gaming experience, accessible for free on both iOS and Android devices (versions 5.1 and above). 

It enables users to participate in fantasy leagues for cricket, football, and basketball, providing real-time updates and smooth gameplay. MPL has solidified its appeal among sports enthusiasts through strategic partnerships with major leagues such as the NBA and Pro Kabaddi League, further enhancing its credibility and user engagement in the fantasy sports arena.

Gamezy

Gamezy is the best fantasy sports app in India, dedicated to transforming the fantasy cricket experience into something more rewarding and immersive. They emphasize creating a platform where everyone can win, whether they are new to fantasy sports or seasoned professionals. Gamezy is committed to providing a secure environment with RNG-certified gaming, ensuring 100% safe transactions, and safeguarding user data and identity privacy.

Their platform welcomes users with a generous sign-up bonus of Rs 12,000 and offers substantial earning opportunities through referrals, with users earning up to Rs 12,516 per friend referred. Gamezy also features unlimited earning potential through various missions, enhancing both the learning curve and entertainment value for all fantasy cricket enthusiasts.

Halaplay

HalaPlay stands out as a premier Daily Fantasy Sports (DFS) platform catering to both serious and casual sports enthusiasts. It offers quick, simple, and engaging cash-based games where users can create teams, join leagues, and compete for cash prizes after every game—not just at the end of a season.

The platform's mission is to enhance sports fan engagement and boost viewership by making matches more compelling for users. HalaPlay features various leagues across cricket, football, and Kabaddi, leveraging advanced data analytics and machine learning to assist users in drafting teams, analyzing their gameplay patterns, and enhancing their fantasy sports skills.

Real11

Real11 has established itself as a leading fantasy sports platform in India, celebrated for its credibility and reliability among cricket, football, and kabaddi enthusiasts. It offers a robust platform where sports fans can engage in skill-based gaming to earn substantial rewards. The platform's rapid growth is fueled by its expanding user base, providing fans ample opportunities to showcase their fantasy sports acumen and compete for significant prizes.

Innovation is at the core of Real11's strategy, as evidenced by its introduction of 'Opinion and Trading', a segment that engages users in knowledge-based gaming. Here, participants answer straightforward questions about ongoing events to earn rewards. With over 9 million downloads, Real11 hosts more than 250 daily contests, with daily winnings surpassing ₹1 crore, ensuring an engaging and lucrative experience for all users.

Paytm first games

Since its inception in 2009, Paytm has solidified its position as a leading payments platform in India. Leveraging its trusted brand, Paytm has ventured into the realm of gaming with First Games, emerging as a premier destination for money games including fantasy sports and rummy. Whether you're a fan of Indian rummy seeking to play online or looking for the excitement of fantasy cricket, First Games offers an innovative app that caters to both interests. 

It provides the thrill of playing ultimate rummy with opportunities to win real cash, seamlessly integrated with the excitement of fantasy sports. With First Games, users can enjoy a perfect blend of online rummy card games and the immersive experience of fantasy sports. 

Howzat

Since its inception in 2018, Howzat has rapidly emerged as one of India’s premier fantasy sports platforms. Managed by Junglee Games India Pvt. Ltd. Howzat provides sports enthusiasts with an interactive platform to actively engage in their favorite sports and compete for real-money prizes based on their sports knowledge and skills.

Boasting a nationwide user base exceeding 10 million players, Howzat maintains an impressive 4.5-star average rating from its dedicated community. The platform features a diverse array of major sports, exciting contests, and substantial winnings, ensuring a secure and enjoyable gaming experience with its steadfast commitment to 100% safety and security.

Conclusion 

The above-provided details and information talk about the top 10 trending fantasy cricket mobile apps in India. Whether through innovative features, trusted gameplay, or extensive user bases, these apps continue to shape and define the fantasy sports experience for millions across the country. If you are a business looking for a perfect development partner for your app, this is the best choice. 

FAQs

What is a fantasy sports app?

A fantasy sports app is a platform where users create virtual teams using real-life athletes. These teams earn points depending on the real-life performances of the athletes during actual games. 

How do I get started with a fantasy sports app?

Begin by signing up and creating an account. You can link your social media profiles for quick registration. Once registered, you can join or create leagues, draft your team, and start participating in contests.  Begin by signing up and creating an account. You can link your social media profiles for quick registration. Once registered, you can join or create leagues, draft your team, and start participating in contests. 

How are points calculated in fantasy sports?

Points are awarded based on the real0-life performance of the athletes on your fantasy team. Each sport has its own scoring system, which is outlined in the app. 

Are fantasy sports apps legal in India?

Yes, fantasy sports are considered a game of skill and are legal in most parts of India. However, regulations may vary by state, so it's best to check local laws.

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