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25 essential BlackBerry tips and tricks | Tweaks, speedups, shortcuts and extra features for your BlackBerry - and they're all free You probably bought a BlackBerry for the keyboard and fantastic battery life but there's more to it than that. You can just pick a BlackBerry up and start using it, because all you need to do is press the Menu key to get the main options on every screen - but the BlackBerry OS hides a huge number of clever tricks and shortcuts that make it faster and simpler to get things done. There are some tips you won't need often - like pressing Alt, Del and the right-hand Caps key at the same time to reboot instead of just restarting; others you'll use all the time, like pressing the red 'hang up' key to get back to the home screen and clicking the spanner icon on the home screen to open Options. Here are our top 25 Blackberry tips. 1. Use the keyboard less BlackBerry has always had a QWERTY keyboard and you can type everything out in full - but you can save time with the built-in shortcuts. Press space twice at the end of a sentence to get the full stop and an automatic capital on the next word. Don't bother with apostrophes in words like I'm and isn't (type im and the BlackBerry will correct it for you); there are other handy abbreviations like 'wel' to get 'we'll' and 'il' to get 'I'll' and you can add your own with Options > AutoText. AUTOTEXT:Speed up typing by creating your own abbreviations and corrections 2. Quick capitals You don't need Shift - press and hold a letter key to type the upper case letter. 3. Skip Symbol If you're typing an email address into a field that expects an email address, don't bother looking for how to type the @; just hit space and BlackBerry with put the @ in for you. Press space when you need the . in the middle of the email address and it will fill that in, too. Do the same for URLs in the browser; pressing space fills in the periods faster than typing them by hand. 4. Fast select There's a Select command on the menu for choosing what to copy and paste - but you can make a selection just by holding down the Shift key as you scroll the trackball. 5. Keyboard shortcuts Save on scrolling by using 't' to get to the top of any email message, web page or other long screen and 'b' to get to the bottom. There are specific shortcuts for all the built-in apps like using the Mute button to pause videos or music or skipping to the next or previous track by pressing and holding the volume up and down keys (which also zoom in and out in the camera - although many apps use I and O to zoom); there's a list in the Help tool. SAVE TIME:Put the keyboard to work with shortcuts in every built- in app 6. Choose dialling or shortcuts Under Options > Phone Options > General Options you can set Dial From Home Screen to Yes or No; if you set it to Yes you can start typing a name to dial the number on the home screen, if you set it to No you can type the first letter of apps on the home screen to open them (M for Mail, B for browser, C to compose email - and oddly N for Messenger, L for Calendar and U for Calculator). 7. Web columns Press Z in the web browser to reflow the page into a column the size of the BlackBerry screen so it's easier to read; press Z again to go back to a normal page view you can scroll around. EASY READING:Switch between seeing the original layout and a version of the page reformatted as one long BlackBerry-sized column 8. Turn on JavaScript To save memory and make pages load faster, the BlackBerry browser usually has JavaScript turned off by default; use Options > Browser Configuration > Support JavaScript to turn it back on and make more pages load correctly. 9. Which browser? There are three different browsers on the BlackBerry; a WAP browser for viewing content from your mobile network, the BlackBerry HTML browser (and a hotspot browser that prioritises the Wi-Fi connection). If you have problems accessing or loading Web pages, choose Options > Browser Configuration and set Browser to BlackBerry Browser and make sure Options > General Properties > Default Browser is also set to BlackBerry Browser. 10. Don't get mobile Web sites You can also try changing Browser Identification from BlackBerry to Firefox or IE to force the full versions of specific pages to load instead of the cut-down mobile versions - but they might be slow or not load fully. BROWSER SWAP: The BBC web site always loads the mobile version on BlackBerry; if you want to see the full site, have your BlackBerry pretend to run Firefox or IE 11. Fast search You can search for contacts, messages and inside files and web pages - press S to search in contacts and messages and F to search in other apps. 12. Colour-code messages If you get both work and personal email on your BlackBerry, you can change the colour of either set of messages. Choose Options > Security Options >Information> Message Outline Colours and either Enterprise Messages or Other Messages. COLOUR-CODED:Show work and personal messages in different colours 13. Menu multi-tasking BlackBerry has had multitasking for years but it's subtly done; apps stay running so you can switch back to them (unless you run out of memory when they're closed automatically). To get back to another app, press and hold the Menu button to get the task switcher. 14. Lock with mute Some BlackBerrys have both a lock and a mute button on the top edge, others - like the original Bold - only have a mute button. You can always lock the screen by scrolling down to the Lock icon but it's faster to just press and hold mute until the screen locks (do the same to unlock it). 15. Real convenience There are two 'convenience keys' - one on each side of the BlackBerry; you've probably found one of them by knocking it and hearing that irritating 'say a command' message. If you never use voice command, choose Options > Screen/Keyboard to change the buttons to something more useful - starting the camera, opening the music player or launching your favourite app. QUICK START:Put two apps or commands you use all the time at your fingertips 16. Tweak your trackball Use Options > Screen/Keyboard and scroll to the bottom of the page to choose the horizontal and vertical sensitivity (how far it moves across the screen when you move it) and whether you hear a click as it rolls. 17. Turn off speakerphone The slightly confusing way to put a call on speakerphone is to use Menu > Activate Speakerphone; the even more confusing way to turn it off is Menu > Activate Handset - or you can use the $ key to turn it on and off. (And the $ key produces the $ sign in email, use Options > Screen/Keyboard > Currency key to set it to £ instead). 18. Say a command Voice command does more than voice dialling; if you want to check your signal and battery strength you can wade through the Options menu or you can hit the voice command button and say 'status' or 'check battery' and 'check signal strength'. 19. Say it again Voice recognition works quite well, but you can train it by reading a list of numbers and words; choose Options > Voice Dialing> Adapt Voice. VOICE TRAINING:Choose Adapt Voice and your BlackBerry will ask you to read a list of sample names and numbers 20. Hidden Help The hidden 'Help Me!' screen shows the signal strength, battery level, device PIN, free space, space in use, IMEI, OS version, how long the BlackBerry has been on and some other info that can be useful for troubleshooting. View it by pressing Alt + Caps + H. MORE INFO:The Help Me! Screen collects key information together 21. Archive, don't uninstall Only the very latest BlackBerry models have anything like enough memory for all the apps you want. When you run out of space, pick the ones you use least and archive them to your microSD card (this only works with apps from App World). Select the app in the My World sections of App World and choose Menu > Archive; archived apps have a green arrow on their icons and you can click them to reinstall - but you may have to restart to archive or restore an app. ARCHIVE APPS:You can't run apps from the SD card but you can archive them to save space 22. Save power overnight BlackBerry is very frugal on battery life and you can make it last even longer by having yours turn itself off overnight and back on in the morning. Choose Options > Auto On/Off; you can have different on and off times for weekdays and weekends. 23. Master Control Program Use the free third-party tool MCP (http://mcpfx.com) for tweaking your BlackBerry, doing a factory reset in an emergency - or just installing updates more easily than with the sprawling and inefficient BlackBerry Desktop software. TWEAK BLACKBERRY:Install a new OS or tweak the modules on your BlackBerry with the excellent Master Control Program 24. Install any app If you want to run an app that doesn't have an installer - including alternative email clients like Astrasync and NotifySync which RIM won't sign for installation - connect your BlackBerry by USB, switch to mass storage mode so it shows up on your PC as a drive and copy the JAR file to the root folder. On your BlackBerry use the Media app to open the folder and select the JAR file to install it. 25. Save money on texts If you're sending a message to another BlackBerry user, BlackBerry Messenger is free -but you need to know their BlackBerry PIN.The easiest way to get someone in your contact list is to invite them. -
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How to create an investment plan for retirement You know that if you want to make it through retirement, you need to plan now. And that planning should involve an investment plan. Your goals and individual needs will be a big part of the kind of investment portfolio you have to get you through your retirement years. Here are some steps to take in order to create your retirement investment plan: 1. Assess your risk: The first thing you need to do is consider your risk tolerance. This includes your emotional risk tolerance as well as financial. Decide how much risk you can handle, and consider your likely sources of income. Your asset allocation should be based around how much risk is appropriate as you work to build your investment portfolio. 2. Consider getting help: After assessing your financial situation, you need to determine whether or not you need help making a plan. There are plenty of free online calculators and tools that can help you, but you might feel more comfortable getting professional help. You need to decide, at that point, whether you just need a one- time session to work out a plan, or whether you need long term wealth management help. 3. Look at your possible withdrawal rate: Think about your expenses now, and estimate your expenses in retirement. Think about your goals, and what you want to accomplish. Figure out how much money you will need each month in order to meet your expenses - this includes insurance premiums, utilities, travel expenses and other expenditures. Most financial experts recommend that you withdraw 4percent of your assets in year one of retirement, and then adjust for inflation going forward. But your needs may be different, so consider this carefully. 4. Consider possible income streams: When building a retirement portfolio, you will need to consider the income streams that will cover your expenses. You can cushion your withdrawal rate by cultivating income streams such as businesses and web sites. You can consider Social Security and any pension or inheritance you might have. Look at your portfolio and determine whether you will need to shift some of your assets into income investments like dividend paying stocks and bonds. Some even purchase an immediate annuity to help provide an income stream, but you should carefully check to make sure such products are best for your situation. A part- time job or hobby can also provide some of the income you need. 5. Look at your liquidity: Make sure you have an adequate cash cushion in relatively liquid cash accounts such as CDs, high yield savings accounts, money market accounts and some bond funds (if appropriate for your situation). There might be some instances in which you need immediate access to cash. 6. Remember taxes: Finally, consider the tax implications of your retirement accounts and investments. Some retirement investment accounts, such as Roth accounts, grow tax-free, meaning you won’t be taxed on the withdrawals. Other, traditional, retirement accounts grow tax-deferred. This means your withdrawals, when you make them, are taxed as regular income. You will also have to consider capital gains taxes on other investment accounts. Consider withdrawing from tax-deferred accounts first, or rolling those accounts into Roth accounts and getting the taxes out of the way before taxes rise. As you begin investing in your future, make sure you put money into tax-advantaged accounts first. You’ll get more bang for your buck this way. Also, as the years progress, take stock of your retirement portfolio, and decide whether your asset allocation needs to be tweaked according to changing circumstances in income and risk tolerance. Many people shift their assets around as retirement approaches, preparing to live off their investments, rather than focusing on growing them. Add comment
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Things You Should KnowAbout Forex Trading How difficult is it to make moneytrading the Forex market? How muchtime does it take to actually be able tomake a living trading the Forexmarket? These and other importantaspects of trading are to be discussed in this article.Trading the Forex market has manybenefits over other financial markets,among the most important are:superior liquidity, 24hrs market,better execution, and others. Traders and investor see the Forex market asa new speculation or diversifyingopportunity because of thesebenefits. Does this mean that it is easyto make money trading the ForexMarket? Not at all. Forex brokers agree that 90% oftraders end up losing money, 5% oftraders end up at break even andonly 5% of them achieve consistentprofitable results. With these statisticsshown, I don’t consider trading to be an easy task. But, is it harder tomaster any other endeavor? I don’tthink so, consider musicians, writers,or even other businesses, thesuccess rates are about the same,there are a whole bunch of them who never got to the top.Now that we know it is not easy toachieve consistent profitable results,a must question would be, Why is itthat some traders succeed whileothers fail to trade successfully in the Forex market? There is no hardanswer to this question, or a recipeto follow to achieve consistentprofitable results. What we do knowis that traders that reach the topthink different. That’s right, they don’t follow the crowd, they are anindependent part of the crowd.A few things that separate the toptraders from the rest are: Forex Education: They are very well educated in the matter; they havechosen to learn every single andimportant aspect of trading. The besttraders know that every trade is alearning experience. They approachthe Forex market with humility, otherwise the market will prove themwrong. Forex trading system: Top traders have a Forex trading system. Theyhave the discipline to follow itrigorously, because they know thatonly the trades that are signaled bytheir system have a greater rate ofsuccess. Price Action: They have incorporated price behavior intotheir trading systems. They knowprice action has the last word. Money management: Avoiding the risk of ruin is a primary subject to thebest traders. After all, you cannotsucceed without funds in yourtrading account. Trading psychology: They are aware of every psychological issuethat affects the decisions made bytraders. They have accepted the factthat every individual trade has twoprobable outcomes, not just thewinning side. These are, among others, the mostimportant factors that influence thesuccess rate of Forex traders.We know now that it is not easy tomake money trading the Forexmarket, but it is possible. We also discussed the most important factorsthat influence the rate of success ofForex traders. But, how much timedoes it take to have consistentprofitable results? It is different fromtrader to trader. For some, it could take a life time, and still don’t get thedesired results, for some others, afew years are enough to getconsistent profitable results. Theanswer to this question may vary,but what I want to make clear here is that trading successfully is a process,it’s not something you can do in ashort period of time.Trading successfully is no easy task;it is a process and could take years toachieve the desired results. There are a few things though every tradershould take in consideration thatcould accelerate the process: havinga trading system, using moneymanagement, education, beingaware of psychological issues, discipline to follow your tradingsystem and your trading plan, andothers.
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