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How to Retire Early in South Africa: Tips & Strategies

How to Retire Early in South Africa: Tips & Strategies

Early retirement in South Africa involves careful planning, disciplined saving, and smart investing—especially when dealing with a volatile economy and rising living costs. Whether you aim to achieve “FIRE” (Financial Independence, Retire Early) or simply want a comfortable retirement before the traditional age, the following tips and strategies can help you work toward your goal.


1. Define Your Retirement Goals and Budget

Why It’s Important

You need a clear vision of what early retirement looks like—be it a quiet lifestyle in a small town or traveling locally and abroad. Defining your goals helps estimate how much you’ll need to save.

Steps

  1. Estimate Monthly Expenses:
    • Include essentials (housing, healthcare, groceries) and lifestyle wants (travel, hobbies).
    • Keep in mind local inflation rates in South Africa.
  2. Factor in Emergencies & Healthcare:
    • Medical costs often rise faster than inflation. Ensure you’re prepared with medical aid or gap cover.
  3. Calculate Your “FIRE Number”:
    • A commonly referenced formula is to aim for 25–33 times your annual expenses. If you plan to spend R300,000 per year, you’d need between R7.5 million and R10 million (depending on the withdrawal rate you’re comfortable with).

2. Maximise Tax-Efficient Investments

Why It’s Important

Tax-friendly accounts allow your investments to compound faster, accelerating your retirement timeline.

Key Options

  1. Retirement Annuities (RAs):
    • Contributions are tax-deductible (up to a limit).
    • Growth inside the RA is tax-free (no capital gains or dividend withholding tax).
    • You can only access these funds at age 55 or above, but they are integral to many early retirement strategies.
  2. Tax-Free Savings Accounts (TFSAs):
    • Invest up to R36,000 per year (R500,000 lifetime limit) and all returns (interest, dividends, capital gains) are tax-exempt.
    • Ideal for long-term growth as any withdrawals are tax-free.
  3. Unit Trusts and ETFs:
    • While not tax-free, investing in diversified exchange-traded funds or balanced unit trusts can offer growth that outpaces inflation.
  4. Endowments (Where Applicable):
    • Might suit high-income earners who’ve maxed out other tax-advantaged options, but they come with time constraints and different fee structures.

3. Reduce Your Monthly Expenses

Why It’s Important

Lowering your cost of living lets you save more and reduces the total amount needed for retirement.

Tips

  1. Review Subscriptions & Services:
    • Cancel or downgrade anything non-essential. Negotiate better rates for insurance or internet plans.
  2. Downsize Housing (If Feasible):
    • Smaller homes or living in less expensive areas can free up income to invest.
  3. Optimise Transport Costs:
    • Carpool, use public transport, or consider a reliable used car instead of new for cost savings.
  4. Adopt a Budget:
    • Track spending via apps or spreadsheets. Aim for a higher savings rate (20–40%+ of monthly income).

4. Explore Additional Income Streams

Why It’s Important

Earning more money accelerates your savings potential, helping you reach your retirement goals sooner.

Ideas

  1. Part-Time Consulting or Freelance Work:
    • Leverage your professional skills outside regular hours.
  2. Invest in Rental Property:
    • Property can provide long-term income and capital gains, but ensure you factor in maintenance, taxes, and potential vacancies.
  3. Side Hustles or Small Businesses:
    • E-commerce, digital services, or local crafts can bring extra revenue, especially if they can run partially passive.
  4. Dividend Investing:
    • Over time, a portfolio of dividend-paying shares or ETFs can generate quarterly or annual income.

5. Diversify Your Investments

Why It’s Important

Market volatility and currency fluctuations can significantly affect returns, so spread your risk across various asset classes and geographic regions.

Strategies

  1. Local & Global Equities:
    • Mix JSE-listed shares or ETFs with international ETFs for exposure to the US, Europe, or emerging markets.
  2. Bonds & Money Market Instruments:
    • Provide relatively stable, interest-based income. Consider RSA retail bonds or bond ETFs for lower risk.
  3. Balance Growth & Stability:
    • Younger investors may tilt toward equities, while those closer to early retirement might prefer a more balanced portfolio with some defensive assets.

6. Stick to a Long-Term Plan

Why It’s Important

Consistency—through market ups and downs—helps your investments compound. Emotional decisions (like selling in a market crash) can derail progress.

Tips

  1. Automate Contributions:
    • Set up monthly debit orders into your RA, TFSA, or brokerage account.
  2. Rebalance Periodically:
    • Ensure your asset allocation remains aligned with your risk tolerance.
    • For instance, if equities overperform, you might rebalance by moving some gains to bonds or cash.
  3. Keep Learning:
    • Stay informed on South African financial news, tax regulations, and new investment products.

7. Plan for Healthcare & Unexpected Costs

Why It’s Important

Medical and emergency expenses can erode retirement savings if not factored in.

Suggestions

  1. Medical Aid & Gap Cover:
    • Strongly consider a comprehensive plan or at least hospital coverage to reduce out-of-pocket expenses.
  2. Emergency Fund:
    • Keep 3–6 months of expenses liquid in a savings or money market account to handle unforeseen issues without tapping long-term investments.
  3. Insurance:
    • Life insurance or dread disease cover may be worthwhile for peace of mind, especially if you have dependents.

8. Consult Professionals (If Needed)

Why It’s Important

Early retirement planning can be complex, involving taxes, estate planning, and choosing suitable investments.

Who Can Help

  • Certified Financial Planners:
    • Provide tailored retirement strategies considering your unique goals and risk profile.
  • Tax Advisors:
    • Help optimise contributions to RAs, TFSAs, and other vehicles under South African tax laws.

Final Thoughts

Retiring early in South Africa is an achievable goal with the right mix of disciplined saving, strategic investing, and mindful spending. By taking advantage of tax-efficient accounts, diversifying your portfolio locally and globally, and reducing expenses, you can accelerate your path to financial independence. Coupling these strategies with a robust healthcare plan and professional advice ensures you can enjoy your retirement years free from monetary stress, no matter when you decide to stop working.

5 Best Esusu Platforms in Nigeria for Collective Savings

5 Best Esusu Platforms in Nigeria for Collective Savings

Esusu (also referred to as “ajo” or “adashi” in different parts of Nigeria) is a traditional savings scheme where friends, family, or co-workers pool money together in rotating cycles. Today, various fintech apps have digitized the concept, enabling secure, transparent, and convenient group savings. Below are five of the best esusu platforms in Nigeria that blend tradition with modern technology.


1. AjoMoney

Why It Stands Out

  • Digitized Group Savings: Emulates the classic rotating savings model by letting you form or join groups to contribute a fixed amount periodically.
  • Automatic Deductions: Set up auto-debits from your bank account, eliminating the hassle of manual transfers.
  • Transparent Payouts: Real-time notifications track all contributions, and the app disperses each cycle’s funds automatically to members.

Ideal For

Small work teams, friends, or families who prefer a flexible “turn by turn” system, but want to reduce the risk of missed or late payments.


2. Esusu Africa

Why It Stands Out

  • Dedicated Esusu App: Specifically designed for group contributions, rotating payouts, and record-keeping.
  • Multiple Cycles: Host more than one esusu cycle at once with different groups, each with its own timeline and contribution size.
  • In-App Monitoring: Each cycle’s contributions are trackable in real-time, ensuring transparency and accountability.

Ideal For

Traditional esusu participants transitioning to digital platforms, especially those who want the full “ajo” experience without manual management.


3. Cowrywise (Group Savings Feature)

Why It Stands Out

  • Reputable Fintech: Cowrywise is known for personal savings and investment tools, expanding into group savings (which can mimic esusu).
  • SafeLock & Target Savings: Although originally for individual saving goals, you can organize a group plan to pool resources and release funds at specific intervals.
  • Trusted Security: Uses encryption and partners with regulated financial institutions to protect users’ funds.

Ideal For

Individuals seeking both short- and long-term saving options along with a simplified group saving function under one established fintech.


4. PiggyVest (Target Savings Circles)

Why It Stands Out

  • Target Savings Circles: Lets multiple users contribute to a shared goal or rotating fund, similar to esusu.
  • Automatic Deductions & Reminders: Minimizes the risk of missed contributions.
  • Multiple Saving Options: SafeLock for locked funds, Flex Naira for flexible withdrawals, and Investify for extra earnings on idle money.

Ideal For

Groups with diverse saving needs who want a well-known platform offering higher yield possibilities and quick liquidity on flexible plans.


5. FundBae (Group Goals)

Why It Stands Out

  • Simple Group Goals Setup: Create saving goals that allow multiple participants, effectively mimicking the esusu concept.
  • Low Entry Barriers: Minimal deposit requirements and user-friendly interface suitable for small associations or first-time users.
  • Savings & Micro-Investments: Alongside group savings, invests in low-risk assets for modest interest gains.

Ideal For

Beginner savers or small associations looking for a straightforward platform to manage group contributions and possibly grow funds through mini investments.


Tips for Successful Esusu on Digital Platforms

  1. Define Clear Rules:
    • Agree on each cycle’s contribution amount, payout order, and penalty for missed contributions before starting.
  2. Transparent Communication:
    • Use in-app chat or group messaging to inform everyone about deposit deadlines or changes in the schedule.
  3. Auto-Debit Setup:
    • Enabling auto-debits reduces the risk of late payments or reliance on manual transfers.
  4. Security & Verification:
    • Make sure participants verify their identities. Choose platforms that encrypt data and partner with reputable finance institutions.
  5. Set Realistic Cycles:
    • Keep each round’s duration and contribution amount manageable, ensuring consistency and preventing defaults.

Final Thoughts

Esusu is a time-tested communal savings approach that thrives on trust and consistency. By leveraging digital platforms, you can enjoy the benefits of transparent record-keeping, automatic reminders, and secure fund handling. Whether you opt for a dedicated esusu-centric app like AjoMoney or a broader fintech solution like Cowrywise and PiggyVest, the key is to establish clear terms among participants and pick a platform suited to your group’s goals.

Piggyvest vs. Cowrywise: Which Savings App Is Better?

Piggyvest vs. Cowrywise: Which Savings App Is Better?

In Nigeria’s growing fintech landscape, Piggyvest and Cowrywise are two popular digital savings platforms that make saving easier and more rewarding. Both offer flexible savings plans, high-interest rates, and simple user interfaces. Below is a comparison that covers key features, fees, security, and more to help you decide which platform suits your financial goals best.


1. Overview of Each Platform

Piggyvest

  • Founded: 2016 (formerly Piggybank.ng)
  • Focus: Automates daily, weekly, or monthly savings; offers multiple saving and investment products.
  • Notable Features:
    • SafeLock: Allows you to lock your funds for a fixed period at higher interest rates.
    • Target Savings: Create goals for specific projects or expenses.
    • Investify: Explore low-risk investment opportunities alongside your savings.

Cowrywise

  • Founded: 2017
  • Focus: Automates savings and investments, emphasizing financial planning and goal setting.
  • Notable Features:
    • Savings Circles: Enables group savings with family/friends.
    • Mutual Funds: Offers a range of mutual fund products for diversification.
    • Schedules & Budgeting Tools: Helps plan automated deposits in line with personal financial goals.

2. Savings Plans & Flexibility

Feature Piggyvest Cowrywise
Flexible Savings Piggybank allows daily/weekly/monthly deposits with an adjustable schedule. Set up multiple Savings Plans for different goals, with flexible or fixed deposit schedules.
Locked Savings SafeLock: Lock funds for a chosen period (10–365 days) at higher interest. Life Goals: Lock or target-based plans with the option to set fixed or flexible maturity dates.
Emergency Withdrawals Provides a limited set of free withdrawal dates or charges a small fee if you withdraw outside free days. Encourages discipline by restricting free withdrawals to chosen maturity dates; otherwise, early withdrawal fees may apply.

3. Interest Rates & Earnings

  • Piggyvest:
    • Savings Interest: Typically ranges from around 5% to 10% annually, depending on the savings product and duration.
    • Investments (Investify): Varies by investment product (real estate, agriculture, etc.).
  • Cowrywise:
    • Savings Interest: Generally in the 5% to 15% range, influenced by market conditions and the chosen plan type.
    • Mutual Funds: Earnings depend on the performance of each mutual fund, which can fluctuate daily.

Note: Interest rates can change over time. Check each app or official website for the most up-to-date figures.


4. Fees & Charges

  • Account Opening:
    Both platforms allow free registration with no minimum balance requirement.
  • Maintenance Fees:
    Neither Piggyvest nor Cowrywise charges monthly maintenance fees for standard savings accounts.
  • Withdrawal Fees:
    • Piggyvest: Withdrawing on non-free withdrawal dates may incur a 5% early withdrawal fee from your savings balance.
    • Cowrywise: Fees apply if you withdraw before the maturity date of a locked plan.
  • Transaction Charges:
    Some bank or payment gateway fees might occur for fund transfers or deposits; these vary by bank/payment method.

5. Security & Regulation

  • Regulatory Compliance:
    Both apps partner with regulated financial institutions (such as insurance companies and microfinance banks) to safeguard funds.
  • Encryption & Verification:
    They use standard encryption protocols and require KYC (Know Your Customer) verification to protect users.
  • Insurance:
    Each platform typically provides insurance for savings up to a certain amount via their bank partners. Confirm the details on their websites.

6. User Experience & App Interface

  • Piggyvest:
    • Design & Navigation: Offers a user-friendly dashboard displaying each category (Flex Naira, SafeLock, Target Savings, etc.)
    • Notifications & Reminders: Frequent updates on how much you’ve saved, upcoming free withdrawal dates, and potential investment deals.
  • Cowrywise:
    • Sleek Interface: Minimalist design emphasizing personal finance tools and progress tracking.
    • Savings Circles: A social component for collaborative saving goals, which can be more engaging for some users.

7. Unique Selling Points

  • Piggyvest:
    • Investify allows for quick access to curated investment opportunities without leaving the app.
    • Encourages disciplined savings with designated free withdrawal days to curb impulse spending.
  • Cowrywise:
    • Wider range of mutual funds for those interested in diversified, longer-term investments.
    • Group savings circles can motivate users to save consistently with friends or family.

8. Which One Is Right for You?

  • Choose Piggyvest if:
    • You prefer a system with flexible withdrawal schedules but structured enough to prevent frequent small withdrawals.
    • Investing in curated products alongside savings is appealing to you.
    • You want frequent reminders and a robust app-based interface for multiple saving categories.
  • Choose Cowrywise if:
    • You’re interested in mutual fund investments and a variety of structured plans to align with short- and long-term financial goals.
    • You like the idea of group savings for accountability.
    • A sleek, minimal UI with goal-tracking tools resonates with you.

Final Thoughts

Both Piggyvest and Cowrywise have proven records in helping Nigerians (and other users in Africa) cultivate the habit of disciplined saving and investing. Piggyvest leans toward target savings and quick curated investments, while Cowrywise excels in mutual fund variety and collaborative saving tools. Ultimately, the “better” choice depends on your personal financial goals, preferred app interface, and the type of investments you want to explore.

Ready to grow your savings? Try each platform’s basic features to see which workflow and interest structure best suit your needs.

Phone Overheating? Here’s How to Cool It Down Safely

Phone Overheating? Here’s How to Cool It Down Safely

Smartphones can overheat for various reasons—prolonged gaming, high ambient temperatures, software glitches, or even malfunctioning hardware. While a slight rise in temperature during intensive tasks can be normal, excessive heat can damage your battery, slow performance, or even cause unexpected shutdowns. Below are practical steps to cool down your phone safely and help prevent overheating in the future.


1. Remove It from Heat Sources

Why It Helps

Keeping your phone away from direct sunlight or hot environments is the easiest way to prevent additional heat buildup.

Steps

  1. Move to a Cooler Spot:
    • Get away from direct sunlight if you’re outdoors, or turn on the air-conditioning or fan indoors.
  2. Take Off the Case (If Possible):
    • Thick or insulated cases can trap heat. Temporarily remove it to improve airflow around the device.

2. Close Unneeded Apps and Processes

Why It Helps

Resource-intensive apps (e.g., games, video editors) and multiple background services raise CPU and GPU usage, generating more heat.

Steps

  1. Close Apps:
    • Open your recent apps screen and swipe away unnecessary background apps, especially high-load ones like games or AR apps.
  2. Disable Background Services:
    • Turn off Bluetooth, GPS, or mobile hotspot if you’re not actively using them. These processes can run in the background, creating extra heat.
  3. Check for Rogue Apps:
    • Sometimes a poorly-coded app can hog resources. If you suspect an app is causing overheating, consider uninstalling or force-stopping it.

3. Let the Phone Rest and Cool Down

Why It Helps

Continual use while overheated may worsen the temperature and risk damaging internal components. Briefly powering it down or at least pausing resource-heavy tasks can help regulate temperature.

Steps

  1. Stop All Intensive Tasks:
    • Close games, streaming apps, camera recording, or large file downloads.
  2. Give It a Break:
    • Turn off the screen or put the phone into airplane mode for a few minutes.
  3. Power Down If Needed:
    • If it’s extremely hot, shut it off completely until it returns to normal temperature.

4. Avoid Extreme Cooling Methods

Why It Helps

Drastic measures like putting a phone in a freezer or in cold water can cause thermal shock or condensation, damaging your device.

Steps

  1. No Freezers or Ice:
    • Rapid, extreme temperature changes can crack the phone’s internal components or lead to moisture build-up.
  2. Use Gentle Cooling:
    • A fan or slightly cool area is safest—avoid direct contact with liquids or extreme cold surfaces.

5. Update Software and Check Battery Health

Why It Helps

Outdated firmware or buggy apps may cause CPU spikes, while a degrading battery can run hotter under normal conditions.

Steps

  1. Update OS & Apps:
    • Go to Settings → System (or Software Update) and ensure your phone’s operating system is up to date.
  2. Check Battery Health:
    • On Android, some models have a “Battery Health” option in Settings (or use a third-party app).
    • On iPhone, go to Settings → Battery → Battery Health & Charging to view battery capacity.
  3. Scan for Malware:
    • Malware can overwork your CPU/GPU. Use trusted antivirus apps if you suspect an infection.

6. Use Battery Saver or Performance Modes

Why It Helps

Activating lower power or battery-saving modes reduces CPU and GPU speed, limiting heat production.

Steps

  1. Battery Saver Mode:
    • Often found in Settings → Battery (Android) or Control Center (iOS Low Power Mode).
  2. Performance Profiles:
    • Some phones (e.g., gaming phones) let you choose power/performance profiles. Pick a balanced or battery saver mode for reduced heat.

Final Thoughts

Overheating is a sign that your phone is working harder than it should, or external conditions are too hot. By keeping it away from direct heat sources, closing resource-heavy apps, gently cooling it in a stable environment, and ensuring your software is up to date, you can safely regulate the temperature and protect your device from potential damage.

If your phone frequently overheats despite these precautions, consult a professional or contact the manufacturer for further advice, as hardware issues (like a failing battery or faulty internal components) may be the underlying cause.

Top 5 Free VPN Apps for Africa (Secure Browsing Tips)

Top 5 Free VPN Apps for Africa (Secure Browsing Tips)

Using a Virtual Private Network (VPN) can enhance your privacy, help bypass local restrictions, and safeguard your data on public Wi-Fi – important considerations for many users across Africa. While free VPNs often come with limitations (like bandwidth caps or fewer server options), they can still be valuable for light or occasional use. Below are five reputable free VPN apps, along with tips to keep your browsing secure.


1. ProtonVPN (Free Tier)

Why It Stands Out

  • Unlimited Bandwidth: Unlike many free VPNs, ProtonVPN’s free plan doesn’t impose data caps, although speeds can be slower during peak times.
  • Security-Focused: Based in Switzerland, known for strict privacy laws. Uses strong encryption and a no-logs policy.
  • User-Friendly App: Simple interface across Android, iOS, Windows, and macOS.

Limits

  • Server Locations: Access to servers in only 3 countries (US, Netherlands, Japan) for the free plan.
  • Medium Speeds: Might experience congestion at peak usage times on free servers.

2. Windscribe (Free Plan)

Why It Stands Out

  • Generous Data Allowance: Up to 10GB per month (after confirming email) plus extra data via social media promos.
  • Wide Server Selection: Around 10 free server locations, including some that work well for African users.
  • Built-In Ad Blocker & Tracker Blocking: Helps speed up browsing and maintain privacy.

Limits

  • Monthly Data Cap: 10GB can disappear quickly if you stream or download large files.
  • Speed Fluctuations: Speeds can dip on popular free servers.

3. TunnelBear (Free Tier)

Why It Stands Out

  • Easy to Use: Cartoonish interface with “tunnels” for quick location switching, ideal for non-tech-savvy users.
  • Strong Encryption: Uses AES-256 encryption; publicly audited for transparency.
  • Light Censorship Bypass: TunnelBear’s “GhostBear” feature helps circumvent restrictive networks.

Limits

  • Monthly Data Cap: Only 500MB per month by default (1GB if you tweet about them), suitable for browsing and messaging but not extended streaming.
  • Limited Servers on Free Plan: Premium subscription unlocks full server range.

4. Hide.me (Free Plan)

Why It Stands Out

  • 5 Free Server Locations: Includes locations in Europe, Asia, and North America that can be helpful for certain streaming or website access.
  • No Registration Required: You can use the free plan without an account (with limited features).
  • Decent Speeds and No Logs: Maintains a no-logs policy and offers moderate speeds on free servers.

Limits

  • Monthly Data Cap: 10GB per month for free users.
  • Single Connection: Only allows one device connection at a time on the free tier.

5. Speedify (Free Plan)

Why It Stands Out

  • Channel Bonding: Aggregates multiple connections (e.g., cellular + Wi-Fi) for improved performance and stability.
  • Good for Video Calls: Minimizes interruptions by seamlessly switching networks if one fails.
  • Easy Setup: Straightforward interface with minimal configuration needed.

Limits

  • Monthly Data Cap: 2GB of free data per month, primarily targeted at short usage sessions or important calls.
  • Limited Server Selection: Fewer server location choices on free accounts.

General Tips for Secure Browsing with Free VPNs

  1. Check Encryption & Privacy Policies:
    • Free VPNs aren’t always trustworthy. Verify no-logs claims and the provider’s jurisdiction (some countries have data retention laws).
  2. Avoid Bandwidth-Hungry Activities:
    • Free tiers usually have low data caps. Limit large file downloads or high-res video streaming.
  3. Use HTTPS Websites:
    • Even with a VPN, ensure you visit HTTPS-encrypted sites for an extra layer of security.
  4. Beware of Malware & Ads:
    • Some free VPNs may show ads or collect user data. Stick to recognized brands with transparent business models.
  5. Update Apps & OS:
    • Keep your phone, computer, or tablet updated to patch potential security holes. VPN apps also push important updates.

Final Thoughts

Free VPNs can offer decent privacy and help bypass basic network restrictions, but they come with drawbacks like data caps, fewer servers, and potential slower speeds. Still, trusted providers like ProtonVPN, Windscribe, and TunnelBear can serve as good starting points. For heavier use or more robust privacy, a reputable paid VPN is often a better long-term solution.

Ready to get started? Pick one of these recommended VPNs, install the app, and follow the built-in setup instructions. Then, enjoy safer, more private browsing wherever you are in Africa!

How to Use Wi-Fi Calling in South Africa: A Quick Guide

How to Use Wi-Fi Calling in South Africa: A Quick Guide

Wi-Fi Calling allows you to make and receive calls using a Wi-Fi connection instead of relying solely on cellular networks. It’s especially useful in areas with weak mobile signals. In South Africa, several major networks (such as MTN, Vodacom, and Telkom) now support Wi-Fi Calling on compatible smartphones. Below is a concise guide on how to set up and use Wi-Fi Calling.


1. Ensure Your Phone and Network Support Wi-Fi Calling

  1. Check Device Compatibility:
    • Many recent Android phones (Samsung Galaxy, Huawei, etc.) and iPhones (iPhone 6s and later) support Wi-Fi Calling. Confirm in your phone’s specifications or settings.
  2. Confirm with Your Carrier:
    • Visit your operator’s website or contact their support to verify that your device and plan are eligible for Wi-Fi Calling.
    • In South Africa, MTN, Vodacom, Telkom, and Cell C each have lists of supported devices and instructions.

2. Enable Wi-Fi Calling on Your Phone

On Android

  1. Open Settings → Connections (or Network & Internet):
    • The exact menu may differ by phone brand.
  2. Locate “Wi-Fi Calling”:
    • You might find it under “Mobile Networks” or “Call Settings.”
  3. Toggle It On:
    • Enable Wi-Fi Calling. If prompted, accept any terms and conditions.

On iPhone

  1. Go to Settings → Cellular (or Mobile Data):
    • Then select your carrier.
  2. Tap “Wi-Fi Calling”:
    • Turn on “Wi-Fi Calling on This iPhone.”
  3. Follow Any On-Screen Prompts:
    • You might be asked to confirm your address for emergency services.

3. Connect to a Stable Wi-Fi Network

  1. Strong Wi-Fi Signal:
    • Wi-Fi Calling quality depends on your internet speed and stability. A broadband connection is ideal.
  2. No Captive Portals:
    • Some public Wi-Fi hotspots require logins or have restrictions that may block Wi-Fi Calling. Use a home or office network whenever possible.

4. Dial Normally—Wi-Fi Will Take Over

  1. Use the Phone App as Usual:
    • You can dial a number or select a contact the same way you would with cellular calls.
  2. Watch for the “Wi-Fi Call” Indicator:
    • Some phones display “Wi-Fi” or a special icon next to the signal bars to confirm you’re on Wi-Fi Calling.

5. Troubleshooting Tips

  1. Update Your Phone Software:
    • Ensure you’re running the latest OS version. Sometimes Wi-Fi Calling bugs are fixed in updates.
  2. Check APN/Network Settings:
    • Carriers might provide specific APN or network settings to enable Wi-Fi Calling fully. If calls fail, verify your network configuration.
  3. Enable Airplane Mode (Optional Test):
    • If you suspect your phone is still using cellular signals, turn on Airplane Mode then enable Wi-Fi. This forces all calls over Wi-Fi.
  4. Restart Router or Phone:
    • A simple reboot can resolve minor connection issues.

Final Thoughts

Wi-Fi Calling is a convenient solution for South Africans struggling with spotty cellular coverage at home or in buildings. By ensuring your phone and carrier support the feature, enabling it in settings, and connecting to a robust Wi-Fi network, you can enjoy clearer calls and better coverage. If you run into difficulties, contact your carrier’s support line or check their official website for device-specific setup instructions.

5 Ways to Fix “App Not Installed” Errors on Android

5 Ways to Fix “App Not Installed” Errors on Android

Occasionally, you may encounter an “App Not Installed” error when trying to install an APK or an app from the Google Play Store. This error can occur for various reasons—ranging from insufficient storage space to conflicting app signatures. Below are five practical solutions to help you bypass this issue on Android without rooting your device.


1. Check Storage Space & Clear Cache

Why It Helps

Insufficient storage is a common culprit. Android needs extra space to install or update apps, and if your device is nearly full, the installation may fail.

Steps

  1. Free Up Space:
    • Delete unnecessary files, large videos, or old backups.
    • Transfer photos or media to a microSD card or cloud storage.
  2. Clear Cache (Optional):
    • Go to SettingsStorage or Device Care (depending on your phone model).
    • Clear the cache for large apps that consume a lot of temporary data.
  3. Restart Phone:
    • After freeing space, reboot your device and try installing the app again.

2. Use the Correct APK or Updated App Version

Why It Helps

If you’re sideloading an APK (i.e., installing outside the Play Store), the “App Not Installed” error can occur if the APK is corrupted, incompatible, or signed differently than a previous version on your device.

Steps

  1. Download from Reputable Source:
    • Use sites you trust or official developer websites. A corrupted APK often won’t install.
  2. Check App Compatibility:
    • Some apps require a certain Android version (e.g., Android 8.0+). Confirm your device meets the requirements.
  3. Matching Signatures:
    • If you already have the same app installed from a different source, signatures can conflict. Uninstall the existing version first, then install the new APK.

3. Turn On “Install Unknown Apps” Permissions

Why It Helps

For security, newer Android versions require explicit permission to install apps from outside the Play Store. If permission is not enabled, you may see an “App Not Installed” or “Installation Blocked” error.

Steps

  1. Settings → Apps & Notifications → Special App Access (or Security):
    • This path might differ by device, but you’re looking for something like “Install unknown apps” or “Unknown sources.”
  2. Enable Permission for the File Manager or Browser:
    • Tap the app (e.g., Chrome, Files by Google) used to open the APK, and enable “Allow from this source.”
  3. Retry Installation:
    • Locate the APK file again and tap to install.

4. Clear Google Play Services & Package Installer Data

Why It Helps

Sometimes, leftover or outdated temporary files in the Package Installer or Google Play Services cause installation issues. Clearing that data can resolve conflicts.

Steps

  1. Open Settings → Apps or Application Manager:
    • Tap the three-dot menu to show “System apps” if needed.
  2. Find “Package Installer” or “Package Manager” (name may vary):
    • Tap StorageClear DataClear Cache.
  3. Do the Same for “Google Play Services” (and “Google Play Store” if needed):
    • Clearing data resets some preferences, so you may need to re-log in or re-accept permissions.
  4. Restart Phone:
    • Try installing the app again after the reboot.

5. Uninstall or Disable Conflicting Apps

Why It Helps

If you’re trying to install an updated app with the same package name or an app with conflicting signatures, the new installation may fail.

Steps

  1. Identify Conflicting Apps:
    • For instance, if you installed a modded version of an app, it can conflict with an official update.
  2. Uninstall the Old or Conflicting Version:
    • Go to SettingsApps, locate the conflicting app, and uninstall it.
  3. Try Installation Again:
    • Then proceed with installing the new app version. The “App Not Installed” error should be resolved.

Final Thoughts

The “App Not Installed” error on Android can stem from anything from simple storage issues to signature mismatches or leftover cache data. By following these steps—checking storage, verifying APK sources, clearing cache, adjusting “unknown sources” permissions, and removing conflicting apps—you can usually solve the problem quickly and get your new app running smoothly on your device.

Remember to stick to trusted sources when sideloading apps, as questionable APKs can pose security risks. If all else fails, you might consider updating your Android version (if possible) or contacting the app’s developer for additional support.

How to Check Airtime Balance on Glo – All USSD Codes

How to Check Airtime Balance on Glo – All USSD Codes

Glo Nigeria provides several quick USSD codes to help you check your main airtime balance, bonus balances, data usage, and more. Below is an easy reference for the most commonly used Glo balance-checking codes. These codes can vary over time or by region, so if one doesn’t work, try the alternatives.


1. Check Main Airtime Balance

  • Dial: *124*1#
  • Response:
    You’ll see an on-screen message or SMS showing your current airtime balance.

Alternate Code: *124# also works for some subscribers, displaying your main account balance.


2. Check Bonus Airtime Balance

  • Dial: *124*2#
  • Response:
    This displays any bonus airtime or promotional credit you may have, separate from your main airtime balance.

3. Check Data Balance

Although not strictly for airtime, many users also want to track data usage:

  • Dial: *127*0#
    or
  • Dial: *777# → Select “Data Services” → “Data Balance”

Either code or menu path should return your data balance, including any bonus data if applicable.


4. Additional Tips

  1. Use Glo Self-Care:
    Visit Glo Self-Care or the Glo Café app to view all balances (airtime, data, bonus, and more) in one place.
  2. Keep Codes Handy:
    Save these USSD codes as contacts or quick notes so you can check your balances anytime without memorizing.
  3. Stay Updated:
    Glo might change USSD codes or introduce new ones. Keep an eye on official Glo communications (SMS updates, social media) for the latest information.

Final Thoughts

Checking your Glo airtime balance is as simple as dialing a short USSD code. The primary codes are *124*1# for main airtime and *124*2# for bonus balances. If you also need to track data usage, try *127*0# or the menu under *777#. By using these codes, you’ll stay informed about your account status and avoid running out of airtime or data unexpectedly.

Best Phone Gimbal Stabilizers for Smooth Video in 2025

Best Phone Gimbal Stabilizers for Smooth Video in 2025

Capturing smooth, professional-looking video on a smartphone has become easier than ever, thanks to advanced gimbal stabilizers. As of 2025, several well-known manufacturers continue to refine their designs, integrating intelligent tracking, compact builds, and intuitive controls. Below are some of the top phone gimbals to consider this year, along with their standout features, recommended use-cases, and essential tips for getting the most out of each model.


1. DJI Osmo Mobile 6

Why It Stands Out

  • Refined Stabilization: DJI’s sixth-generation Osmo Mobile employs a high-torque brushless motor and updated 3-axis stabilization for ultra-smooth footage, even with energetic movements.
  • Foldable & Compact: Folds down to a very portable size, making it easy to slip into a bag or jacket pocket.
  • Intelligent Features:
    • ActiveTrack 5.0: More responsive subject tracking for walking shots or simple vlogs.
    • Story Mode & Quick Launch: Templates and automated camera movements for quick, polished social media videos.
  • Ergonomic Grip: Redesigned handle with better weight distribution to reduce user fatigue.

Best For

Vloggers, travelers, and mobile filmmakers wanting top-tier stabilization and an app ecosystem that automates cinematic moves.


2. Zhiyun Smooth 5 Pro

Why It Stands Out

  • High Payload Capacity: Supports larger phones (plus add-on lenses or small lights) without straining motors.
  • Magnetic Fill Light Option: Optional clip-on LED lights for improved low-light shooting.
  • Improved App Control:
    • ZY Cami App: Offers advanced shooting modes, including time-lapse, hyper-lapse, and panorama.
    • Gesture Control & SmartFollow 4.0: Lets you start recording or track a subject with a simple gesture.
  • Multi-Functional Wheel: Physical control dial for focus and zoom, making it more tactile for serious videographers.

Best For

Content creators who often use heavier phone setups or external lenses, requiring robust motors and advanced control features.


3. Hohem iSteady M6

Why It Stands Out

  • Budget-Friendly Pro Features: Provides effective 3-axis stabilization and a robust feature set at a lower price compared to some flagship gimbals.
  • Inception Mode & Moment Mode: Rotates your phone 360° to achieve cinematic barrel roll shots, or automates specialized filming angles.
  • Long Battery Life: Up to 12 hours of continuous operation, and it can also act as a power bank to charge your phone on the go.
  • Compact & Travel-Ready: Foldable design for travelers who prioritize portability.

Best For

Beginner videographers or budget-minded users who still want advanced shooting modes like Inception or Dolly Zoom.


4. Moza Mini MX2

Why It Stands Out

  • Smart Gesture Control: Allows you to start/stop recording or snap photos with simple hand gestures, convenient for one-person shoots.
  • Sleek Design & Lightweight: Weighs under 500g, making it comfortable for extended use or quick transitions between scenes.
  • Responsive Motor Algorithm: Adapts quickly to fast movements, good for capturing sports or action shots on a smartphone.
  • Versatile Shooting Modes: Panorama, time-lapse, slow-motion, and object tracking.

Best For

Active travelers, sports enthusiasts, or short-form content creators looking for an agile stabilizer that’s easy to pack.


5. FeiyuTech Vimble 3

Why It Stands Out

  • Built-In Extension Rod: Extends up to 18 cm (about 7 inches), letting you capture wider group selfies or creative low/high-angle shots easily.
  • App Integration: Feiyu ON app includes face tracking, object tracking, and quick editing features directly on your phone.
  • Ergonomic Handle Design: Designed for comfortable grip, with intuitive button placement for quick mode switching.
  • Lock & Unlock Mechanism: Secure motor locks help prevent the gimbal from flopping around when stored or traveling.

Best For

Vloggers and selfie aficionados who value the built-in extension rod for dynamic angles, plus straightforward app-based features.


General Tips for Using Phone Gimbals

  1. Balance Your Phone Correctly:
    • Before powering on the gimbal, ensure the phone is secured and balanced in the clamp. An unbalanced phone forces motors to work harder, reducing battery life and stability.
  2. Calibrate & Update Firmware:
    • Regular calibration improves stabilization accuracy. Check the manufacturer’s app for firmware updates.
  3. Use the Gimbal App (If Available):
    • Most gimbal makers provide companion apps with object tracking, face tracking, and specialized shooting modes. This often unlocks the stabilizer’s full potential.
  4. Experiment with Angles & Movements:
    • Practice panning slowly, creating smooth arcs around subjects, or capturing dynamic follow shots. Each gimbal brand typically offers unique creative modes.
  5. Mind Battery & Weather:
    • Keep an eye on the gimbal’s battery level. In harsh weather conditions (extreme heat, cold, or high humidity), motors might operate less efficiently.

Final Thoughts

In 2025, phone gimbal stabilizers continue to evolve, integrating AI tracking, more powerful motors, and user-friendly apps for delivering silky-smooth footage. Whether you’re a seasoned content creator or a casual traveler, investing in one of these top-notch gimbals can dramatically elevate the quality of your smartphone videos.

Ready to capture cinematic shots on your phone? Choose a gimbal that matches your budget, device weight, and creative ambitions—then head out and film your adventures with confidence!

How to Disable Bloatware on Android Without Root

How to Disable Bloatware on Android Without Root

Bloatware refers to pre-installed apps on your Android device that you don’t need or want, yet they take up storage and sometimes run in the background. While uninstalling these apps typically requires root access, you can often disable or remove them from your user account without rooting. Below are some safe methods to minimize bloatware’s impact, all without needing root privileges.


Method 1: Disable Apps in Settings

Why It Helps

  • Straightforward: No special tools are required.
  • Minimal Risk: The phone’s default “Disable” option prevents the app from running or appearing, but it’s still installed in the system partition.

Steps

  1. Open Settings → Apps & Notifications (or Apps):
    • The exact name may differ depending on your phone’s manufacturer or Android version.
  2. Select the App to Disable:
    • Scroll through the app list. Tap on the bloatware app you want to remove from sight.
  3. Tap “Disable”:
    • If the “Uninstall” button is grayed out, but “Disable” is available, choose “Disable.”
    • You’ll see a warning that disabling the app may affect other apps; accept it if you’re sure.
  4. Confirm and Restart (If Needed):
    • The app icon should disappear from your home screen or app drawer.

Note: Some system apps won’t offer a “Disable” button. In such cases, you may have to use ADB or a third-party solution.


Method 2: Use ADB Commands (No Root Required)

Why It Helps

  • More Control: ADB (Android Debug Bridge) allows you to “uninstall” system apps for the current user or disable them more effectively than the Settings menu.
  • Reversible: You can re-enable these apps or reinstall them if needed.

Prerequisites

  • A computer (Windows, macOS, or Linux).
  • Your Android phone’s USB Debugging enabled (found in Developer Options).
  • ADB installed on your computer.
    • Windows users can install the official Platform-Tools from the Android website.
    • macOS/Linux can do the same or use a package manager.

Steps

  1. Enable Developer Options & USB Debugging on Your Phone:
    • SettingsAbout Phone → Tap “Build number” seven times to enable Developer Options.
    • SettingsSystemDeveloper Options → Turn on USB Debugging.
  2. Connect Your Phone to the Computer via USB Cable.
  3. Open Command Prompt or Terminal on Your Computer:
    • Navigate to the folder where adb is installed (e.g., platform-tools folder).
  4. Check Device Connection:
    adb devices
    
    • A prompt may appear on your phone asking to trust the computer. Accept it.
    • The command line should list your device as “device” or “authorized.”
  5. Get the Package Name of the Bloatware App:
    • In terminal, type:
      adb shell pm list packages
      

      This lists all packages installed. Use | grep <keyword> on Linux/macOS or findstr on Windows to filter results. Alternatively, find package names online or with specialized “App Inspector” apps installed on your phone.

  6. Disable or Uninstall for Current User:
    • Disable (reversible):
      adb shell pm disable-user --user 0 <package.name>
      
    • Uninstall for Current User (also effectively hides the app):
      adb shell pm uninstall --user 0 <package.name>
      

      This doesn’t remove the app from the system partition; it just removes it for your user account.

  7. Verify the App is Disabled or Uninstalled:
    • The icon should be gone from your launcher. If you used “disable-user,” you can re-enable the app with:
      adb shell pm enable --user 0 <package.name>
      

Caution: Only uninstall or disable apps you’re certain aren’t critical to system functions. Removing essential system services may cause device instability.


Method 3: Use Third-Party “Debloat” Tools (ADB-Based)

Why It Helps

  • Simplified Interface: Tools like Universal Android Debloater or ADB AppControl provide a GUI so you don’t have to type commands.
  • Recommendations & Safe Lists: Some come with lists of recommended apps to remove or keep, minimizing the risk of disabling essential components.

Steps

  1. Download a Debloat Tool:
    • For example, “Universal Android Debloater” (UAD) is popular on GitHub.
  2. Connect Phone & Enable USB Debugging:
    • Similar to the ADB method above.
  3. Run the Debloat Tool:
    • The app will scan your phone and list potentially removable packages.
  4. Check or Uncheck Packages to Remove:
    • Each listing might show warnings or references.
    • Apply changes and the tool executes commands in the background.

Tip: Always back up essential data or record which packages you remove, in case you need to re-enable them.


General Tips & Precautions

  1. Create a Backup:
    • Although most methods are safe, always keep important data backed up in case you need a factory reset due to accidental removal of vital apps.
  2. Be Selective:
    • Some system apps appear bloaty but are integral (e.g., a system webview service). If in doubt, do a quick web search about the package name.
  3. Check for Updates:
    • After disabling apps, occasionally check for Android OS or security updates, which might require some system components to be active.

Final Thoughts

Removing or disabling bloatware on Android without root is entirely possible via the Settings app or ADB commands. These methods help you reclaim storage space, reduce background processes, and streamline your phone’s interface. Just proceed carefully—know which apps are safe to disable or uninstall, and keep backups. By following these steps, you can enjoy a leaner Android experience without the need for root privileges.