Why You Should Ditch Whatsapp for Signal

Signal is reportedly the messaging app Edward Snowden uses for its security features; the ability to send and receive encrypted messages, plus the freedom to prevent whoever you’re chatting with from taking screenshots of your conversation. Also, the Signal servers do not have access to your conversations, neither do they store any of your data. To prove this, they made it open source! This is not another Telegraph, or another Whatsapp clone (btw, servers of those apps have access to your conversations and stores your data). This app fixes everything you probably hate about Whatsapp. Last week, one of the brains behind this app was hired by Apple to augment their security team. Continue reading


HTC One M8 is now $399.20: Why it’s still a top-notch

The best HTC device yet, is now selling for $399.20 off contract. That represents a 20% reduction for a device which now runs Android 6.0 Marshmellow. Don’t forget though that the device was released in March 2014 … Let’s take a look a what it ships with it on paper against some recently released flagships; Continue reading

Streaming Torrents Now Possible On Pirate Bay

My favorite torrents site has always been kickass, but then occasionally, I go through Pirate Bay. They’ve had issues with the law in the past and one would have thought they’d have taken their foot off the pedal but no, they’ve added a new feature which will keep them on top as the world’s most popular torrents site; the ability to stream torrents (for free). The feature is available in bitorrent but it’s a paid feature, ain’t nobody got time for that!

I remember when you could download a torrent with IDM after submitting the magnet link to a site, then you get an email once the file is ready in their servers for download. It was cool, as the whole idea of having a torrent seeded for download speed wasn’t particularly in favor of lesser known files. Now, being able to stream it for free is even better: it saves you disk space, and you get to actually know if its not the Russian version with English subtitles you’re downloading.

At these early stages, one shouldn’t expect perfection … after all it’s only a plugin in beta, but then also, the near future looks bright.

On Ecobank’s Internet Banking Service

Terrible! Just terrible! I’m here wondering how many Ecobank Ghana customers actually use the service and what they use it for. The login process is fine, i.e. not taking any chances with security … but then after logging in, the frailties of their internet banking platform stares you in the eye like a frightened sheep! A reader at this point might ask “why won’t you just walk into any of their branches and do your thing if this online thing isn’t working?” … obviously, you’d only ask that if you’ve never had to make a transaction at any of Ecobank’s branches located around major business areas. Their “system can go down” (that’s their own language) as it often does, for hours and you’d queue till you give up, even if you’ve amassed tolerance to mediocrity and patience to substandard leadership like an Arsenal fan.

Ecobank became the biggest bank in Ghana after they acquired a 100% stakes in The Trust Bank (TTB), approved as far back as December 2011! What then is preventing them from rolling out an internet banking service worthy of their status? Back then in 2011, I convinced my best friend to ditch Barclays … now I have ditched them somehow ( they still manage one long term investment, but all my core banking activities are now with GT … as it’s become annoying to bank with Ecobank, I feel not willing to walk into the banking hall is serving as a deterrent to calling off the investment) and I wish they remained committed to customer satisfaction like they did in 2011.

One would think that after the merger, Ecobank will put in measures to contain the automatic customer base growth which came with acquiring TTB, but it seems like the exact opposite rather happened. One would again think that Ecobank would have shown leadership, relied on technology and taken advantage of the penetration of mobile phones and the growth in internet usage to serve customers better, but no, GT is excelling in this department and they wouldn’t even watch and learn.

Ecobank calls it internet banking, but the very basic attribute of that service: being able to effortlessly transfer funds to other Ecobank accounts, is nonexistent! It’ll take you twice as much time to load anything on their page, compared to that of GT. It’s actually in their interest to improve their internet banking services as it’ll decongest their banking halls and bring themselves within touching distance of customer satisfaction. They owe it to the customers!

“THE BEST” Android Game

Android has seen tremendous developments, but the hardware we’re getting these days is insane! I remember HTC Desire and Samsung Galaxy S like it was yesterday. This was 2010, the days of Froyo and Gingerbread. Those days, Fruit Ninja was the game! Then came Angry Birds, as it was initially exclusive to iOS. These days, graphics on phones is insane. Graphics on PCs have put consoles in the dust and I have absolutely no doubt that smart phones will catch up soon.

Play Store has hundreds of thousands of games. To single-out one and emphatically qualify it as the best means it over satisfies these four categories; entertaining, addictive, mind-boggling/stimulating and dope graphics.

Ladies and gentlemen, I present to you Leo’s Fortune!

Check it out on Play Store here

Check it out on App Store here

Not to give you spoilers, I wouldn’t share screenshots or even write a review. BTW, if your Android device is not high-end, please, don’t waste your time downloading it.


The One App You Need To Achieve Your Savings Target In 2016

The concept of wealth creation through savings for the proletariat is something I tweeted against. Nevertheless savings, must be of immense importance to the proletariat, probably even more than those who earn above average. It’s also very difficult to save when disposable income doesn’t even appear capable of matching monthly expenditures. The habit of saving was also one of the most difficult to learn; it was only until last year that I personally exceeded my savings targets for the first time. Everything I did in full doesn’t include using an app, but I believe if I discovered this app earlier last year, I would have really achieved more with savings.

The Wallet … this app is not your ordinary expenses tracker, or budget app, or anything most of those other apps promise but don’t deliver … this app is actually an ordinary app with “extraordinary” utilities. If you hate tracking expenses or if you feel that tracking expenses is boring and hard to keep up, this app makes it easier. This app will tell you where your money is coming from, how you’re spending it, how fast you’re spending it, where you spend the most, what you spend on the most etc. It has a “Debts” hub, where you keep track of all records of those you lend to and those you borrow from, fusing the figures effortlessly into your cash flow. What makes this app my favorite is how it reports to you. It doesn’t have complex diagrams which only make sense to PhD Finance holders, it uses user chosen colors to tell you exactly what you need to know about your expenditures and earnings.

Widening your income streams or generating more is a sure way to making savings easier, but the way this our economy is currently setup, if that’s proving to be so much of a challenge in the interim, knowing what you spend on and realising which expenses can be controlled is a good way to start. I have been in the position of not knowing what I used my money for: I’ll feel I had so much yesterday and wouldn’t know how I disbursed it. That has completely changed with this app. Inputting data immediately is the best as the app gets the opportunity to capture more data; where exactly you made the expenditure (has Google maps services imbedded) and the time of the expenditure. So the where becomes very useful … let’s assume you check on reports at the end of the month and you realise that you spent more at Smoothy’s, I believe such an information will become useful.

The only downside is that, users who have used the app on both Android and iOS claim that features on Android is far more advanced, intuitive and superior to that on iOS. I believe with time, the developers will push updates to rectify the difference.

Until then, happy budgeting. Visit www.budgetbakers.com to learn more 

Wallet on Android https://play.google.com/store/apps/details?id=com.droid4you.application.wallet

Wallet on iOS https://appsto.re/gh/ltJI9.i

How To Update Your HTC One M8 to ANDROID M


It was all joy when I got the update notification. HTC has more than kept its promise to make updates available to HTC One devices (M7 will not receive Android 6.0) three months after Google releases it. If you have an HTC One M8 and haven’t received the OTA update notification for Android 6.0 Marshmallow yet, then you can check the status of your update by going to http://www.htc.com/us/go/htc-software-updates/. But if you have a factory unlocked version or a developer edition, then you should have received the update by now. Quickly check for updates by going into Settings > About > Software updates > CHECK NOW.  If you get the feedback that “There are no updates available for your phone,” then it’s obvious your device is not factory unlocked or a developer edition.

However, it doesn’t mean that the story ends here for everyone using an HTC One M8 which is not factory unlocked or a developer edition (and can’t seem to want to wait till a career is done certifying and testing the update). Mine was actually locked to a network but I managed to learn how to convert it into a developer edition for it to get recognized by HTC servers as one. I wrote about how to do that for a tech site (setuix.com) last year so I will direct you there for all the steps you will need. If you have a factory unlocked version or a developer edition, then all you need to do is to go to HTC to download the RUU which was available last year in December.

  1. Back up all user apps and data using Helium by following these STEPS
  2. Download and install HTC drivers on your windows device, then enable developer options and android debugging by following these STEPS
  3. Now unlock your bootloader by following these simple STEPS
  4. Then root your device (chill, you I am not going to recommend a custom ROM) by following these STEPS
  5. After rooting, S-Off your device by following these STEPS
  6. Then now, change the CID and MID of your HTC One M8 to either a factory unlocked version or a developer version by following these STEPS
  7. Now go HTC’s site and download the RUU for factory unlocked version or developer version HERE. This is the Android 6.0 RUU.

Enjoy the goodness Android M brings!