Anna Agoncillo, Author at MoneyDigest.sg

5 Free Video Editing Apps You Should Download Now

Do you want to share your beautiful memories captured on videos but think that it needs extra effects or finishing touches? Fret not because many Video Editing Apps that have a near-professional quality are available for free on iTunes and Google Play store. Check these 5 Video Editing Apps to add a personal shine to your videos…

1. SOCIALCAM

Available for IOS and Android devices

Socialcam App fuses the power of video editing and social network. It allows you to add vintage filters to your videos that you can share to your friends anywhere. You can also view the other videos uploaded in the community. What is great about this App is that it lets the users shoot at a 720p HD quality while using its HDR functionality to color-correct videos in real time. Also, you can shoot as long as you want.

2. MAGISTO

Available for IOS and Android devices

Magisto App is basically an editing shortcut right in your fingertips. All you need to do is upload a video, choose your theme and background music then, the App will do the rest. It automatically selects the best scenes to create a better video.

3. CINEFY

Available for IOS devices

Basic yet productive are the words to describe Cinefy. Cinefy App has a user-friendly interface that lets you select from over a hundred of special effects and animations that you can add on your video. You may also add your favorite song from ITunes.

4. MONTAJ

Available for IOS devices Montaj App allows you to shoot a series of 5-second clips that you may sort in a storyboard where you can add music and filter. A cool feature if you are willing to try your luck is to shake your smartphone to let the App choose a random song and filter for your video. Here is a sample:

5. CUTE CUT

Available for IOS devices

As a user myself, if I were to describe Cute Cut briefly I would say it is a handy moviemaker. The Cute Cut App guides the newbie with its pop-up help tips. Its features include: drawing on your video, changing the videos’ borders, drag-and-drop layout, and customizing your video with music effects, texture, transitions, and shadows. Not bad for a Free App!

How Safe Are Online or Mobile Money Transfer Services?

Money Transfers that lets you send money in just the few clicks of the mouse or the few taps of your hand seemed unimaginable decades ago. But nowadays, online and mobile apps are sprouting everywhere. Its convenience to send money to your friend for instance, even if you live far away from each, keeps you tempted to use it.

However, when you allow doing the transactions online with your personal details, you are also vulnerable to identify theft, fraud, hackers, or worse. This is why it is important to ensure that you enable all the security features that the company offers. Here are some of them…

1. SQUARE CASH

Square, Inc. is a company that permits individuals and merchants in the United States, Canada, and Japan to accept offline debit and credit cards on their iOS or Android smartphone or other tablet devices.

Square has SSL to protect your identity and activity. Also, the company makes sure that your personal data and password are encrypted. However, they do not have two-factor authentication and notifications that tell you when your password has been changed or when you have added a new account.

2. PAYPAL

PayPal is one of the largest online money transfer services available worldwide. It is available on your laptop, smartphones, or tablet devices. Its international digital wallet allows business to make payments and transfer money fast without the traditional paper methods.

Unlike Square Cash, PayPal protects your account further by allowing two-factor authentication and notifications as soon as account changes have been made. They warn the users to watch their transactions and assist them through the help pages. They also offer SSL to protect your identity and activity. Lastly, your personal data and password are encrypted.

3. GOOGLE WALLET

Google Wallet, developed by Google, is an online money service that allows the users to store their debit cards, credit cards, loyalty cards, and gift cards as well as redeeming sales promotions through the mobile application.

Google has a strong protection wall like PayPal. They offer a huge volume of information on how to be safe when using their services. Putting money in your Google Wallet account or paying online is a breeze however; getting your balance back is quite difficult. This may seem less convenient but it is good from a safety perspective.

Image Credits: www.google.com.sg/wallet/

In conclusion, older and tested money services such as PayPal and Google Wallet have set up a tougher protection wall. And, if you choose to use these services, be sure to enable all its security features and be vigilant about your cash flow at all times. Also see Mothers day in Argentina.

Money Management Tips From Around The World

Diversity is rich in meaningful insight that extends to financial values and money handling practices. Know more about the 5 money strategies from around the world that you can use in your everyday life…

1. CHINA: MAKE FRUGALITY YOUR MANTRA

China has a strong culture of saving. Being raised by Chinese parents, you will feel that saving at least 50% of your income is normal. In fact, China’s government has saved about 51% of their GDP in 2013, according to the International Monetary Fund. Make frugality your mantra by saving electric bills through charging your hand phone at work and by unplugging everything after usage.

2. ASIA: TRY TO BARGAIN ON ANYTHING

I cannot be the only one who constantly asks if there are discount options or if there is a better price offer. In Asian countries, negotiating is a common practice especially for those who are purchasing in the market or flea. Whether it be computers, bed sheets, or apples…there is always a better price and all you have to do is ask politely.

3. GERMANY: SHY AWAY FROM CREDIT

Germany has a deep aversion towards debt and an emphasis on responsibility. This is why they prefer to pay cash than credit. Having to pay with the money you already have is a wise decision that is accepted by most. This preference for cash is evident as they use one of the most valuable currency denominations in the world – the €500 note.

4. JAPAN: VALUE ONE’S MONEY

In Japan, money is handled with respect and is kept clean and crisp. This is why it is common to give cash as a gift, especially for significant life events such as weddings and funerals. Interestingly, they value money so much that they sell anti-bacterial wallets to sterilize the bills. Treating money with profound respect helps the saver to resist the urge of spending.

5. GUATEMALA: ASK FOR THE FAMILY’S OPINION

Most countries of Spanish decent have close family ties.

Image Credits: Alfonso Lomba via Flickr

This is why before making huge purchases or monetary decisions, some Guatemalans ask for their family’s advice. This is a good tip because you never know who has a connection, a friends-and-family discount, or even an extra of the item so you do not have to purchase.

6 Budget-Friendly Ways To Be Healthy Now

Here are doable and inexpensive ways to lead a healthier life…

1. PRACTICE BREATHING EXERCISES

Say you have a stressful day or you under slept, you do not have to go to the spa to loosen up the tension…spending 10 minutes or less in breathing exercises will help. Deep and controlled breathing keeps your mind and body at their optimal function, lowers your blood pressure, and improves your relaxation. Know about the 6 breathing exercises: Equal Breathing, Progressive Relaxation, Guided Visualization, Alternate Nostril Breathing, Skull Shining Breath, and Abdominal Breathing Technique here.

2. HAVE AN EXERCISE BUDDY

Research showed that those who work out with their partners were more likely to stick to the exercise program than those who were alone. Start your off-day with a 30-minute exercise with your partner or friend. Then, motivate each other to do your best. If possible, you can join an exercise group in your community.

3. CUT BACK ON COFFEE

Middle age and older women had lower risks for diabetes once they moderated their coffee consumption. So, have a cup of coffee without the add-ons (e.g., creamer or sugar).

Image Credits: Filippo Diotalevi via Flickr

4. REDUCE ALCOHOL CONSUMPTION

Cardiovascular diseases are topping the list of morbidity in adults. Have no more than the recommended one drink a day because drinking alcohol on a regular basis has been linked to increased blood pressure. It also increases the calories that further lead to weight gain.

5. GO FOR GRAINS

After your physical activity, have a bowl of whole-grain cereal to lower the risk of heart failure. Whole grains have been scientifically proved to help reduce the chance of having high blood pressure.

6. SMART SNACKING

Be sure to have healthy bites such as a pack of nuts or cut fruits in your reach.

Image Credits: Arya Ziai via Flickr

This will not only prevent you from having a candy bar from the vending machine but also increase your energy to keep you boosted for the day. Also, it may help you cut back some weight because healthy snacking and drinking water in the afternoon can help you avoid overeating during dinner.

Prevent Emotional Eating Without Costly Therapy Expenses

1. IDENTIFY THE PROBLEM

Reflect and identify the trigger that caused your ill feelings and work out an immediate solution. For example, if your kid is doing poorly in school, make an appointment with his/her teacher so both of you can improve the situation afterwards.

2. GO OUT AND EXERCISE

Run outdoors and feel the glimmer of the sun to feel better. Getting at least 30 minutes of exercise a day (5 times/week) can reduce the symptoms of depression. While, sunlight reduces stress and improves one’s mood, according to the researchers from University of Pittsburgh and Carnegie Mellon University.

3. KEEP YOUR HANDS BUSY

If you are holding items in both hands then, it will be difficult to grab food. Fold clothes while watching T.V., groom your pet, plant a herb, or do anything that interests you. An alternative is to occupy only one hand by holding a heavy glass of beverage. This way, you have to put down the glass in order to get something to eat. Then, you become more aware of what you are consuming.

4. SPEND TIME FOR FUN

Remember those enjoyable activities you wish you had time for? Well, you can do it now. List down the things you would want to do, whether it be going to a concert or organizing a board games night with your close friends. Pick one fun activity instead of snacking.

5. SATISFY YOUR OTHER SENSES

Taste is pleasurable but so are other sensations. You do not have to spend too much to achieve it. You can just smell the warm scent of a cinnamon aromatherapy candle while you are reading a book. Or, descend into a bubble bath while listening to your favorite music.

6. EMPLOY THE TEMPTATION JAR SYSTEM

Whenever you feel angry, depressed, stressed, or bored that you want to eat something…put loose change in a “temptation” jar instead. As those money piles up, so does your confidence. These temptations that you overcome increase your earnings.

Image Credits: frankieleon via Flickr

Use the money you accumulate from it to reward yourself. You deserve it.

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