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Recent Headline in the Daily Mail – "What IS the Point of Saving?"

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As the Daily Mail headline shouted – “What is the point of Saving”- let’s take a closer look at what the fuss was all about in all the papers recently, and what can be done to create a more fair and rewarding playing field for savers. Bear in mind I am no qualified investment person, but I do have experience in making money out of Forex Trading, and back in 2006, saw the massive opportunity to use gold bullion price changes, to make a lot of money.

If you look at the NS&I web site, you will see that they advertise this as being “A Piece of Cake”, and “Open Your Account with just £1, Enjoy Easy Access to your Savings”, but let’s look at some cold hard facts.

If you are a saver who regularly saves say £100 per month in this scheme, with an annual return of 1.5%, for every £1,000 invested over 12 months, you will get paid interest of £15.

But, with inflation eating into the spending value of your money at around 2% per annum, your £1,000 in savings will actually lose around £20 of its spending power, so your “savings plan” in reality made a loss of £5.

Looking into this in more detail, we know from The Telegraph recently, that there are millions of savers in this scheme, so let’s assume that there are at least 100,000 subscribers who also save £1,000 or more per annum. I make that around £100 million.

At Government level that sum could easily be traded on the Currency markets, and I understand there are some such Trades that could pay out up to 100% every 90 days. (See above on my own rewarding Forex experience, and that was using just a few hundred pounds as my stake money).

The trouble with virtually any savings scheme that is based on any “FIAT” currency, is that its value is based on nothing other than promises from the Government that issued it (such as The Pound, Dollar Euro etc) and as such, is constantly being devalued due to constant inflation.

However, if you were to exchange some of your FIAT currency for Gold Bullion on a regular basis, I believe that would paint a totally different picture. Look at some figures below, which shows what happened to gold bullion prices between 2000 and 2020.

Between the beginning and end of 2006, Gold went up in value from £9.78 per gram, to £10.17 which was when I first started getting involved in Forex Trading and made a KILLING trading in Gold, unlike my disastrous property investment activities at that time, due to all btl mortgages becoming deregulated.

By the end of 2019, the price of a gram of gold had reached £38,89.

At least with Gold, YOU can decide at what value you sell it, if the price is not right for you, don’t sell until it is. (Or only sell what you need to survive).

If, instead of investing £100 per month with NI&S, you had signed up for a FREE account with something like Karatbars, and decided to exchange £100 of your inflation-ridden “FIAT” currency into 2.5 grams of Gold Bullion, at the end of the year you would own approximately 30 grams of gold. Even if the value was slightly less after 12 months, you know that its historical trend will always eventually be UP.

Now, if I may dare mention the words “Network Marketing”, and you believe that all network marketing opportunities are a Pyramid, or a Ponzi rip-off scam, then please read no more. (If you are still here) – I think you can see, the massive advantage of exchanging some of your “FIAT” currency, for gold bullion.

If you find that saving in Gold Bullion turns out to be very beneficial to your wealth, and because it doesn’t cost anything to become a customer in this savings opportunity then what is wrong with telling your friends, family, and business partners about it? After all, you are not “selling” them anything, you are just sharing your good fortune.

As long as you are participating in this saving scheme yourself (putting YOUR money where your mouth is), why not help everyone you know, to do the same? And then why not use some more of your FIAT currency to upgrade from just a “customer”, to becoming an “Independent Affiliate” of one of the various companies that offer this service,

As an independent Karatbars affiliate, when you get your friends and family involved in this network marketing opportunity – where you are not selling anything – just getting your contact to do as you, and exchange as much inflation-riddled Fiat currency as you can afford into gold bullion – it is a win win for all concerned.

Also, when making your selection, make sure the company you go for has also got its own gold-backed Crypto currency. Like many other people, when Bitcoin was launched, back in 2009, even though they were being sold for a few dollars each, having burnt my fingers with property investing back in 2007 I considered it with suspicion, and walked away from what was probably the biggest opportunity of a lifetime.

These new-fangled coins were selling last year at around $20,000 EACH, and they were not even Gold-Backed. So, think of the opportunity, if a new, unique gold-backed crypto coin was released into the marketplace.

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What Do Betta Fry Eat?

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Betta fry are difficult to raise. One of the toughest things is, well what do they eat. Do not try using powders or flakes, it will just totally foul up the tank. The best thing I have used is microworms. These are tiny little wiggly worms that you can grow yourself and never run out of them. I purchased my first microworm culture from a site called aquabid. Make sure you get this culture before your betta fry are born. Like probably a week before. When the fry are swimming freely, and ready to eat then its time to feed them these microworms.

What I use is a mashed potato mixture to a consistency of like peanut butter. I just used potato flakes and water and put them in a small clear bowl with a lid with small wholes in the top. Place a tablespoon of the culture you got from aquabid in the center of the bowl on top of the mashed potatoes. After about a week, you will see them crawling up the sides of the bowl. Sounds kinda icky, but its not too bad. Then you can take a Q tip and run around the sides of the bowl pulling off the microworms. Then just empty them in the tank off of the Q tip. You will be able to see them wiggle and see the baby betta frys eat them. Do this twice a day.

Its good to have 2 to 3 cultures of microworms growing at all times. All you have to do now is repeat the instructions above and you will never run out of food for your betta fry. The culture usually last about a month or so, so always make new mashed potatoes and take a table spoon from the one you grew and start another one.

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What Does It Mean When He Says You Are Special? Here Is How to Easily Decode Your Man’s Language

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Normally men are lateral thinkers. They say what they mean. But when it comes to relationships they get all jumbled up. If your man says that you are special to him then here are some of the possible things that he could be meaning.

He is interested in you seriously

When a man tells you that you are special to him then he is trying to tell you that he is getting serious about you. Since he doesn’t want to come on too strongly he chooses his words carefully so that you both can ease into your relationship.

He wants to take things to the next level

If you have been dating for a while and your man says that he finds you special then he is implying that he wants to take things to the next level with you. He wants to approach the relationship with caution and hence is taking baby steps to let you know how he really feels.

He is letting you know that he cares deeply for you

By telling you that you are special to him your man is letting you know that he cares deeply for you. He says this to make it clear to you that you are not ‘just a friend’ to him but a whole lot more.

He could be trying to create a diversion

Sometimes a man can say that you are special to him just to create a diversion. If he is not sure of how he feels about you and yet feels the need to validate his feelings for you, then he says that you are special to him. It is his way to make you stick around till he is able to figure out what he really feels for you.

He could be shy to tell you that he is falling for you

Some men are shy and cannot find ways of telling their girl how they truly feel about them. Your man too could be falling deeply in love with you but for the lack of courage would settle for saying that you are special to him.

He has finally understood his feelings for you

Sometimes a man takes time to identify his real and true feelings for you. If your man has finally come around to understanding his real feelings for you then he will tell you that you are special to him.

He calls you special to retain his macho image

There are some men who feel that admitting how they really feel makes them less macho. Your man might tell you that you are special to him to let you know of your special place in his life and yet maintain his macho exterior.

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Face ID In iPhone X: What Do iOS App Developers Need To Know?

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Apple announced a new and expensive edition of its popular smartphone – iPhone X – in September. The company subsequently made iPhone X available in more than 55 countries and territories. In addition to featuring an edge-to-edge OLED display, iPhone X also comes with a number of out-of-box features to challenge the dominance of Android platform.

At the same time, the special iPhone model also comes with an exclusive facial recognition system – Face ID. Face ID enables users to use their face just like conventional passwords. The facial scanning system enables a user to unlock his iPhone X simply by looking towards the smartphone with his eyes open. He can even use Face ID to keep the data stored on his iPhone X secure and make mobile payments.

However, Face ID in iPhone X takes advantage of another robust hardware feature included in the smartphone – TrueDepth camera. Many analysts believe that Apple will soon make the innovative facial scanning system available to other iPhone and iPad models. Hence, the iOS developers must understand important aspects of Face ID in iPhone X to meet the emerging mobile app development trend.

Important Aspects of Face ID in iPhone X each iOS App Developer Must Know

Replaces Touch ID on iPhone X

Touch ID was an integral part of several iPhone models. The authentication system enables users to unlock their smartphones simply by placing their fingers on the sensor. A user can even use Touch ID to perform various financial transactions and mobile payment. IPhone X is designed with Face ID instead of Touch ID. Unlike Touch ID, Face ID does not require users to touch their smartphones. A user can take advantage of Face ID to unlock his device simply by glancing at the screen. At the same time, the iOS app developers can take advantage of the new facial recognition system simply by replacing the Touch ID code with Face ID code.

Does not make Passcodes Obsolete

Despite replacing Touch ID on iPhone X, Face ID is yet to replace passcodes fully. Apple recommends iPhone X users to use passcodes while restarting the device, the device has remained unlocked for more than 48 hours, and the user has attempted wrong face match five times. Also, a user has to use passcode to make his iPhone X accessible to friends and family members.

Authenticates through TrueDepth Camera

Face ID authenticates users through another new feature provided by iPhone X – TrueDepth camera system. The advanced camera system captures all features of a user’s face through depth mapping. Also, TrueDepth creates a unique facial map by capturing over 30000 invisible dots projected onto a user’s face. Each time a user unlocks his iPhone X, TrueDepth Camera reads the dot patterns through an infrared camera and captures an infrared image. It subsequently sends the infrared image to Secure Enclave in the A11 Bionic chip. Once authenticity of the infrared image is confirmed the iPhone gets unlocked.

Uses Machine Learning

A user’s appearance may differ from time to time. Face ID uses machine learning algorithms to recognize the changes in a user’s appearance. Hence, a user can unlock his iPhone X regardless of his current appearance. He can take advantage of Face ID in iPhone X to unlock and authenticate despite wearing a hat, putting on glasses, and growing a beard. TrueDepth Camera further uses a flood illuminator to identify a user’s face through invisible infrared light when there is inadequate light.

Prevents Unauthorized Device Access

Despite identifying different appearances of the same user, Face ID in iPhone X still does not allow any other persons who unlock the smartphone. While unlocking the iPhone X, a user has to keep his eyes open. If the user’s eyes are closed, the iPhone X will remain unlocked. The feature makes it difficult for unauthorized users to unlock the mobile device when the original user is sleeping or absent. However, Face ID in iPhone X lacks the capability to identify identical twins. A user has to use a passcode additionally to prevent his iPhone X inaccessible to the twin.

No Option to Register Multiple Users

Apple further enhances the security of iPhone X by allowing each user to register a single face. No user has option to register multiple faces. Hence, only one user can unlock and authenticate through the Face ID. However, a user can still make his iPhone X accessible to multiple users by sharing his passcode. Multiple users can access the same iPhone X by performing authentication through passcode instead of Face ID.

Performs Multiple Tasks

In addition to keeping the iPhone X secure, Face ID also improves user experience by performing some basic tasks. The attention-aware nature of the facial recognition system further enables users to perform basic tasks simply by looking towards the iPhone X. For instance, a user can take advantage of Face ID to check messages and notifications, reduce volume of alarm or ringtone, and keep the screen lit while reading.

Facilitates Mobile Payment

Along with enhancing security of iPhone X, Face ID will also facilitate mobile payment. It will work seamlessly with Apple Pay. Also, a user can take advantage of Face ID in iPhone X while shopping at the brick-and-mortar stores and restaurants that support Touch ID payment. Also, the apps that support Touch ID will allow users to take advantage of Face ID. The developers can make their existing iOS apps support Face ID by replacing the Touch ID code with Face ID code. However, many banks and financial institutions are yet to support Face ID fully.

Security and Privacy Issues

Apple implements several security mechanisms to keep facial scan private and secure. After scanning a user’s face, the TrueDepth Camera system stored the information directly in the A11 Bionic chip. Apple further does not transfer the information to its server or cloud. Hence, the facial scanning information remains only on the iPhone X. Apple further uses the facial recognition system as a robust security tool to keep user data inaccessible and prevent unauthorized access. A hacker in Vietnam recently claimed to break Face ID by creating a complex face mask. But several security experts believe that Apple has to make several changes to Face ID in iPhone X to make it an effective security measure.

On the whole, Face ID in iPhone X transforms iOS app development by replacing Touch ID. But the iOS app developers must remember that the facial recognition system is currently used only by a single model of iPhone. Apple will make Face ID available on upcoming versions of iPhone and iPad gradually. Hence, the developers must explore ways to make their existing iOS apps support Face ID. Also, they must adopt the emerging trends in iOS app development to make their mobile app relevant and popular over a longer period of time.

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