Creative review: An app that lets users browse through wallpapers, homescreens of people worldwide

Creative

This new personalisation app is quite like a social network. For starters, you have to sign up for an account. You can choose to log in using Google, Facebook or Twitter. On the app’s home, you can browse through wallpapers, ringtones and homescreens of users from all over the world. For wallpapers and ringtones, when you find one that you like, you can directly download it to your phone. When it comes to the homescreen setup of other users, you can view which launcher app they’re using, which icon pack and which widgets. You’ll also get download links for these from within the app itself.

If you like another user’s work, you can follow him/her and get updates whenever they post something new. You can also upload wallpapers and ringtones on your own profile to share it with other users. Compared to a typical wallpaper app, this is a good way to discover how people have customised their own Android phone. The only irritating bit is the persistent banner ad at the bottom. There’s no way to remove that at the moment.

[“source=economictimes.indiatimes.”]

How To Lead Creative People (When You’re Not A Creative Yourself)

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Creative people tend to be sensitive souls – some might even go so far as to say ‘highly strung’. They don’t always take criticism well, no matter how kindly it’s meant, and can perceive even the smallest piece of negative feedback as an unbridled assault on their competence.

In their work, many leaders who do not come from a creative background themselves have to learn how to motivate agency staff and freelancers. So how can they get these volatile ideas folk to produce truly outstanding work? Here are five top tips for encouraging the sparks of genius to fly:

    1. Praise us! If you want to keep getting great work out of creative people, the secret is not just to pay their invoice promptly at the end of the project (although that helps a lot, admittedly) but also to give them positive feedback if you’re happy with a job well done. You’re our client. We want to make you happy. If we were just in it for the money, we would have done something else instead – like law.
    1. Brief us properly. Sadly the place where most creative projects go wrong is right at the start – ie the part where you’re involved. If you don’t take the time to give us a proper, well-considered brief, either in writing or verbally, you’re effectively setting us loose to interpret what we think you want in the way we think is best. Unless you really are very open-minded about what you want, that’s a recipe for disaster. It’s a bit like saying to a builder: “Hey there, please can you build me a house” and just leaving them to get on with it.
    2. Be specific in your feedback. Saying something ‘doesn’t quite work for me but I don’t know why’ isn’t very helpful to a creative. If you want to get a better result, you need to be able to tell us why you don’t like a piece of work and what might make it better. Don’t be afraid to wrestle with a challenge and make your own input. Creative people value collaboration. In fact, the best results often come out of clients and creative teams working together constructively.
  1. Remember that we have feelings. You might not like the work we’ve sent you but unless it’s obviously sloppy – riddled with spelling mistakes, for example – the chances are that we’ve really labored over it and truly believe that we’ve done a good job for you. So before you embark on a long list of what’s wrong with a piece of work, try to highlight any parts of it that you do like or acknowledge where you may not have been clear on an aspect of the brief. Build a relationship with us – along with everyone else, we try harder for people we like.
  2. Be realistic. About everything. Don’t give a writer a strict word count and then ask them to make lots of points that could not conceivably be made effectively in such a small number of words. Don’t give a designer a day to turn around a complex piece of artwork that incorporates lots of charts. Finally, don’t expect to pay pittance and get outstanding work delivered ahead of deadline. You will just end up with a frustrated creative who produces suboptimal results.

[“Source-forbes”]

5 Reasons Budgeting Apps Don’t Work For Most People

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Can we all agree that one of the secrets to achieving financial independence is figuring out a way to spend less than you make? OK, good. Then why aren’t more of us better at it? Credit card debt levels are the highest they’ve ever been. Clearly, finding a way to budget is a bit of a holy grail for many people.

The thing is, there is no perfect way to track or control spending. The way people make spending decisions varies as much as the number of ways to order at Starbucks so as a financial coach, I’m always on the look-out for new ways to make it simple and painless. In other words, I’m in search of the My Fitness Pal for money.

However, I’m not so sure an app is what’s going to move the needle. In fact, using a screen to make financial decisions may actually promote bad behavior. How many times has a notification popped up that lead to you filling a digital cart? Here’s why I think we need to stop trying to find the perfect app and instead master the pen and paper or spreadsheet way of tracking money:

1. It’s too easy to ignore. If I had a dollar for every person that confessed that they tried Mint, but eventually the text alerts and notifications started driving them crazy, I could afford a personal chef. Yes, money apps can help you set alerts to notify you when you’re coming close to overspending, but they can easily get lost in the myriad of more fun notifications that already flood your screen. Just nagging isn’t enough to actually keep money in your account.

2. You still have to actually maintain it. No software is perfect. So even if you are able to effectively link your apps to all of your accounts for an accurate look at where you are, you still need to log in regularly to make sure it is categorizing correctly.

If you’re trying to track spending on dining out and booze, you have to go in and make sure it doesn’t think your liquor store is a grocery store (that happened), and what happens when you buy wine while grocery shopping or if your restaurant lunch is actually reimbursed by work? You have to manually fix that stuff, and if you don’t do it regularly, it will become too much. You might as well use that time maintaining a spreadsheet.

3. My Fitness Pal doesn’t actually stop the chips from going in my mouth. You can have your phone tell you six ways ‘til Sunday that you’ve blown your calorie allotment for the day before you even get to dinner, but unless I’m in the first four days or so of tracking, I’m probably still going to eat before I go to bed. Financial apps work the same way. They give you the data, but only you can take that next step of keeping the money in your account.

4. My brain is changing and I don’t like it. I do think I’m addicted to my iPhone. My compulsion to check email when I’m already feeling overwhelmed with tasks is constant, even when I don’t actually want to be working.

I’ve also noticed that it’s become totally socially acceptable to be texting, Facebooking, Instagramming, Snapchatting, etc. while hanging out with friends. I hate that! Adding financial management to my phone just exacerbates the problem. So I’m putting the phone down and I think you should too.

5. We notice what we pay attention to. When I purchased my Mini Cooper, “Sheldon”, I was excited about the white racing stripes that I thought made him unique. Then I started to notice how many other electric blue Mini Coopers had white racing stripes.

Was there a sudden surge in the popularity of this style? No. I just started noticing it.

The same thing goes for your money. I started tracking my net worth on a monthly basis a couple of years ago. Nothing complicated – I just list all my accounts and about the same time each month, I add a new column with their current balances.

I love watching the amount grow in my 401(k) while seeing the value decrease on my car loan. And I LOVE putting a big fat zero down in the student loan line these days! This is a great way for me to make sure I’m checking in on my money at least monthly and it is fun to watch my net worth slowly but steadily increase. Try it and see if it doesn’t also get you starting to track other things like how much you spent the previous month on carry-out dinners.

There is one thing I think you can use your phone to help with and that’s checking your bank account daily. Every morning when you’re doing that first check to see what you missed on social media, add in a quick check of your bank account to see if anything funky posted overnight. This can save you from expensive overdrafts and help you catch fraud much sooner.

[“Source-forbes”]

Infected apps are secretly stealing money from millions of people

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A 3D printed Android logo is seen in front of a displayed cyber code in this illustration taken March 22, 2016 / REUTERS/Dado Ruvic/Illustration

‘All of this illicit activity takes place without the victim’s knowledge’

Malware that secretly charges users for fake services has been downloaded by millions of people, a new report says.

“ExpensiveWall”, software designed to cheat users out of their money without them realising, was hidden in at least 50 apps in the Google Play store. A list of apps can be found further down this page.

According to the Check Point researchers who discovered it, ExpensiveWall has been downloaded between one million and 4.2 million times.

“The malware registers victims to premium services without their knowledge and sends fraudulent premium SMS messages, charging their accounts for fake services,” the researchers said.

“In some cases, the SMS activity takes place without giving the user any notice. In other cases, the malware presents the user with a button called ‘Continue’, and once the user clicks the button, the malware sends a premium SMS on [their] behalf.”

A number of people who installed ExpensiveWall-infected apps tried to warn other users off downloading them by leaving negative reviews on Google Play. Some of these read:

“The comments indicate that the app is promoted on several social networks including Instagram, which might explain how it came to be downloaded so many times,” said Check Point.

The ExpensiveWall apps were reported to Google on 7 August and removed from the Play store.

However, Check Point says more infected apps were made available to download on Google Play “within days”. These were taken down four days later.

The ExpensiveWall apps requested a number of permissions from users after being downloaded, including internet and SMS access.

These are fairly common permissions that most users wouldn’t think twice about granting, but allowed ExpensiveWall to operate.

However, Check Point says it could have caused a lot more damage.

“While ExpensiveWall is currently designed only to generate profit from its victims, a similar malware could be easily modified to use the same infrastructure in order to capture pictures, record audio, and even steal sensitive data and send the data to a command and control (C&C) server,” it said.

“Since the malware is capable of operating silently, all of this illicit activity takes place without the victim’s knowledge, turning it into the ultimate spying tool.”

Check Point says ExpensiveWall is a new variant of a malware found on Google Play earlier this year by McAfee, and says “the entire malware family” has been downloaded between 5.9 million and 21.1 million times.

If you downloaded an ExpensiveWall-infected app, you should delete it immediately. Check Point has listed the following apps online:

  • I Love Fliter
  • Tool Box Pro
  • X WALLPAPER
  • Horoscope
  • X Wallpaper Pro
  • Beautiful Camera
  • Color Camera
  • Love Photo
  • Tide Camera
  • Charming Camera
  • Horoscope
  • DIY Your Screen
  • Ringtone
  • ดวง 12 ราศี Lite
  • Safe locker
  • Wifi Booster
  • Cool Desktop
  • useful cube
  • Tool Box Pro
  • Useful Desktop
  • ดวง 12 ราศี Lite
  • Horoscope2.0
  • Yes Star
  • Shiny Camera
  • Simple Camera
  • Smiling Camera
  • Universal Camera
  • Amazing Toolbox
  • Easy capture
  • Memory Doctor
  • Tool Box Pro
  • Reborn Beauty
  • Joy Photo
  • Fancy Camera
  • Amazing Photo
  • Amazing Camera
  • Super Wallpaper
  • DD Player
  • Fascinating Camera
  • Universal Camera
  • Cream Camera
  • Looking Camera
  • DD Weather
  • Global Weather
  • Love Fitness
  • Pretty Pictures
  • Cool Wallpapers
  • Beauty Camera
  • Love locker
  • Real Star
  • Magic Camera
  • Wonder Camera
  • Funny Camera
  • Easy Camera
  • Smart Keyboard
  • Travel Camera
  • Photo Warp
  • Lovely Wallpaper
  • Lattice Camera
  • Quick Charger
  • Up Camera
  • Photo Power
  • HDwallpaper
  • Wonderful Games
  • BI File Manager
  • Wallpapers HD
  • Beautiful Video-Edit your Memory
  • Wonderful Cam
  • useful cube
  • Ringtone
  • Exciting Games
  • Replica Adventure
  • GG Player
  • Love Camera
  • Oneshot Beautify
  • Pretty Camera
  • CuteCamera
  • Cartoon Camera-stylish, clean
  • Art Camera
  • Amazing Video
  • Fine Photo
  • Infinity safe
  • Magical Horoscope
  • Toolbox
  • Cute Belle
  • CartoonWallpaper
  • Ringtone
  • Best Camera
  • Colorful Locker
  • Light Keyboard
  • Safe Privacy
  • Enjoy Wallpaper
  • File Manager
  • Fancy locker
  • Cute Puzzle
  • Smile Keyboard
  • Vitality Camera
  • Lock Now
  • Fancy Camera
  • Useful Camera
  • Vitality Camera
  • Sec Transfer
  • Lock Now
  • Magic Filter
  • Funny Video
  • Amazing Gamebox
  • Super locker
  • Music Player

[“Source-independent”]