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When to consolidate business debt – Signs that should help to know that the time is right

When to consolidate business debt – Signs that should help to know that the time is right
Consolidate Business Debt

Debt consolidation is one of the most well-known techniques of debt relief that all kinds of business owners should know about. Since consolidation merges multiple debts into one large borrowing and businesses have to depend on several lenders, it is an often used technique by business owners.

Although debt consolidation helps to wipe out multiple lenders who make it easier to manage debts, the other attractions are lowering of interest and reducing the outflow of funds towards monthly payments. Besides the most visible benefits, there are many more attractions in consolidating debts.

Ongoing businesses may have the requirement of infusing working capital that would be required in addition to the existing capital, and through debt consolidation, it is possible to borrow that money.

When to consolidate debts is an essential decision that business owners have to take after considering a lot of factors and it does not depend only on the quantum of loan debts they carry and the number of lenders.

The business situation has to be conducive for consolidating debts otherwise the effort will not give the desired results.  You have to assess the situation and circumstances correctly to determine if it is the right time to think about consolidation.

To know if it is time to go ahead, you have to consider some factors like the terms of your existing debts, your credit and the current financial status of your business.  Debt consolidation has to part of your overall financial planning and should help achieve some financial goals because it gives an opportunity of re-organizing your finances.

It might seem that debt management is the primary consideration that triggers consolidation, but it is not always the case. It might also happen that despite being comfortable with debts, you might still seek consolidation because you want to derive some financial advantages from it.

Whatever may be the reason for consolidation; you have to decide from a broader business perspective and must time it right. In addition, you should have knowledge about which kind of debt consolidation loan gives the longest repayment terms and the best interest rates. However, a smarter way to handle consolidation is to seek guidance from the experts at National Debt Relief by logging on to the website Nationaldebtrelief.com.

 How to know the right time

Although you might be thinking about debt consolidation loan for your business, to determine the right time for taking the action you have to look at some events that positively impact your personal as well as business credit profile.

Since your target is to lower interest, enjoy longer payment terms and better repayment schedules you should bring the issue of consolidation to the table when things are in your favor. It would place you in a commanding position that should help to negotiate things in your favor in a much better way.

Typically, there are two defined moments for consolidating debts.  The first is if you had taken a short-term loan when you had a good credit score because you needed quick money to turn around. In such case, you can proceed for a consolidation loan without any second thought.

The second scenario could be that you had been compelled to take a short-term loan at a time when your financial status did not allow you to avail anything better. In this case, you have to wait for two-three months to generate positive revenue trends and then apply for a consolidation loan with the hope of better chances of approval.

Except for the above two scenarios, you should always think about consolidation when the going is good, and you enjoy a favorable financial status that gives opportunities of striking better deals in availing consolidation loans. Below are some situations that tell you it is time to go for debt consolidation.

Improved Personal Credit Score

If you are passing through a time when your own credit score has significantly improved since the time you had borrowed last, then the time is right for you to seek consolidation loan.

Only if there is a significant improvement that the improved credit score will help to fetch longer repayment terms and lower interest rates.

Your credit history is as much important as your credit score to qualify for consolidation loans because events like repossessions, tax liens, and bankruptcies can debar you from availing consolidation loans.

Improved Business Credit Profile

When you have something to boast about your business credit profile, it demonstrates how much responsibly you have handled your business finances, and it gives confidence to lenders who would be willing to offer a consolidation loan.

The positive credit profile shows that your debts are always within your control and you do not borrow more than your repaying capacity.

Moreover, you are perhaps not utilizing the credit lines to the fullest. The better you perform on these parameters, better will be the credit profile and even better will be the prospects of availing consolidation loans at favorable terms.

Improvement in Personal Finances

Business consolidation loans often require that business owners themselves turn guarantor for the credit given to them. It means that their personal financial health has to be commendable.

It would give confidence to lenders that should your business fail to make payments for the loan; at least the owner can take responsibility for paying it. The personal financial credentials would make it easy to convince lenders to offer the loan.

Improvement in Business Finances

The best time to seek a consolidation loan is when your business is going through a phase of positive trends. When revenue and profitability figures are impressive, it paves the way for negotiating well for consolidation loans that should help to reinforce the business finances. Positive business performance is what impresses lenders the most.

The age of your business is a factor that lenders consider for giving consolidation loans. As the business grows older, the opportunities for seeking debt relief also increase. To qualify for an SBA loan, your company has to be at least two years old excluding any idle time that it has gone through.

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How to Choose a Right Projector for Your Home Theater
Home Theater Projector

There are different types of projectors, we have the business projectors, home theater projector and Pico projector. Each of these projectors, although they can handle any type of media, have their own peculiar use and function.

There are two basic classes of home theater projectors as well; the LCD (Light Crystal Display) and the DLP (Digital Light Processing) projectors.

The LCD projects using a light source that passes light through 3 LCD chips (one for green, red and blue respectively) to create an image and project it.

The DLP uses a combination of both a colour wheel and a chip (that has a microscopic tilting mirrors in it). The light goes through the colour wheel, the mirror reflects the light and the image is then projected on the screen.

In buying a projector, you can’t just go out and buy any type or any model that comes across your way. For optimum effect or for effectiveness of use, there are certain markers that you have to look out for in a projector before you commit yourself to buying it, especially if you’re looking to buy a projector for home theater.

These important markers or features include;

Brightness: This is measured in ANSI lumens. The higher the lumens, the brighter the projector will be. The brightness level for home theater projector is between the ranges of 1000 to 2500 ANSI lumens. The environment of use plays an important role in how bright a projector should be. The home theater projectors are not designed for well-lit rooms like the business projector. They are rather designed for dark rooms with just very little or no light at all. Brightness is necessarily an important feature to consider when buying a projector for home theater, as long as the colour contrast is good enough. Image Quality: There are two main markers to consider on this front before making a purchase, they are the native resolution and the contrast ration. Native resolution is the total number of pixels that projector projects. Different projector have their own resolution but they can still accept signals greater than or lesser than their native resolution. Higher resolutions are very important for home theater projectors because the viewers will be sitting closer to the screen. The higher the resolution, the better the view. In this case, they convert it to display and be projected in their native resolution. On the other hand, the contrast ratio is the difference between the brightest part and the darkest part. This is also a very important feature for home theater projector as they often require a high contrast ratio because they are mainly used in dark rooms. Connectivity: This is important for all types of projector. No matter what type of projector you want to buy, you need a way to connect it to your computer, phone or any other compatible devices. All projectors have different inputs and output to this effect, these includes, HDMI, DVI, VGA, composite, 3.5mm and Wi-Fi. You’ll have to consider the device in which the projected is going to be connected to. In other to ensure they are compatible and can be easily connected together. Portability: There are different range of sizes of projector and this is a very important feature because it allows you to be able to move around or travel with your projector if the need arises. It also makes the installation and the setup of the projector very easy. It gives room for you to try different distances and screen sizes and different rooms for you to choose your preference. The fall side to this is that small sized projector aren’t always good in terms of quality and brightness. Differences between Home Theater Projectors and Gaming Models

These are actually two types of projector used at home; the home theater projector and the home video projector.

Home theater projector are used in dark rooms in the home to reproduce the same experience as in a commercial movie theater. They are therefore designed to give maximum contrast ratio with optimized picture quality for an enjoyable experience.

Home video projector on the other hand are used mainly in the sitting room by those who like the idea of a very big screen picture. These are mainly used in a not so darkened room, so they are built to put out a lot of light so that the picture quality will be untampered, bright, clear and vibrant even in ambient light. People often prefer this for gaming, sporting activities and as well movies.

These two projectors are made for the home but have different distinguishing features because of the different home viewing they are made for.

Home Theater Projectors Sacrifices their brightness for contrast and black level. Not portable as they are usually large. Doesn’t make noise with their fan. Tend to be more expensive based on increased brightness level. Are built to be used in dark rooms. Home Video Projectors Sacrifices contrast and black level for brightness. Usually small and portable. Tends to make noise with their fan. Tends to be cheaper based on increased brightness levels. Are not built for the dark and are mostly used in ambient light. Conclusion

There are quite a number of things to consider before making a choice of projector for home theater. You have to look for the right resolution, brightness, contrast ratio, portability and also very importantly how to connect it to your device.

Many of the new projectors don’t have connection options of composite, S-video or component video output. If you use a device with these source components, it will make sense to look out for projectors that have these options. So you don’t just go out to but any projector, there are factors to consider.

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Advances in Technology Present New Challenges, Opportunities for Credit Unions
Credit Unions

It would be difficult to overstate how much the day-to-day operations of the financial sector have been impacted by advances in technology over the past generation. Where transactions once took place under very circumscribed conditions, app-powered electronic banking has completely re-written the rules around customer service in the finance industry.

It is now possible for individuals to manage just about every aspect of their personal finances through their phone — from depositing money by taking a picture of their cheque, to moving money between accounts at a tap of the screen to making investments and purchasing stock via app.

But just as smartphones have made it easier than ever for people to interact with financial institutions, it has also created unimaginable vulnerabilities and risks.

Throughout human history, technological advances have gone hand-in-hand with new forms of fraud and abuse, and the smartphone revolution is no different.

Wi-Fi technology and the latest apps might make it easier for you to manage your money, but they also open up the possibility that third parties equipped with sophisticated technology and the latest hacking techniques can compromise the financial institutions consumers place their trust in.

High profile data breaches and hacks over the past four years have proven that even the largest banks and funds are not necessarily safe.

As awareness of the risks posed by cyber attacks has grown, Americans have started seeking out more secure ways of banking.

For many, this has meant making the switch to credit unions. Credit unions are nothing new in the North American financial sector, but with public faith in big banks suffering serious setbacks in the post-recession years, they have become an increasingly attractive alternative for consumers seeking a more responsible approach to banking.

Because credit unions are generally smaller, often lack the institutional clout that the largest banks have, and are collectively owned by their members, they have needed to be creative in distinguishing themselves from their larger competitors.

One of the ways they have done so is by responding creatively to new challenges by adopting innovative technological solutions.

For example, credit unions have typically been much better than banks at staying up-to-date on the latest software and tech related to cyber security.

Credit union boards have been quick to realize that they need to demonstrate to their members that they are taking threats to cyber security serious, and as a result credit unions have more avidly followed the latest news about board portal software to ensure they are using the most secure communication tools.

The evidence suggests that this is an approach that is working. While they still only account for a relatively small portion of the market, credit unions are becoming an increasingly popular choice for Americans who are dissatisfied with mainstream financial institutions.

In an era where banks increasingly seem disconnected from their clients’ needs, and slow to adapt to the dangers and threats of the 21st century, credit unions have managed to see the opportunity in the upheaval that comes with new advances in technology.

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4 Simple Steps To Taking Your Best Holiday Snaps
Simple Steps To Taking Your Best Holiday Snaps

With the holidays just around the corner, your calendar is going to fill up soon. Between festive cocktails, family dinners, and the office’s Secret Santa exchange, you’ll be a jolly social butterfly in the upcoming weeks. You’ll also be in your fair share of group snaps, as a camera’s never too far away at these holiday get-together.

If you’re tired of looking like a hot mess in pic after pic, it’s time you learn how to put your best face forward. Keep scrolling to learn the basic rules of taking a great holiday photo. These tips will help you pose like a professional.

1. Get the right Equipment

We know, the old excuse that it’s, “not you, it’s the camera!” is an old one, but sometimes, it’s true. Taking pictures with an old Moto G, equipped with just an 8MP camera, doesn’t do anyone favors — even if you’re an Instagram model. The iPhone XS Max, on the other hand, helps everyone look their best.

Its dual 12MP True Depth camera, True Tone Flash, Smart HDR, Image-signal processor, and sliding Bokeh work together to create the best looking photographs taken on a smartphone. Admittedly, this list of features is quite a mouthful. Basically, all you need to know is the XS Max ushers in Apple’s new era of mobile photography.

2. Hold Steady

Finally, you managed to snap a shot in which everyone is throwing lewks and no one has their eyes close. It took several pics and a few rearrangements to get, so you’re desperate to send this off to the group chat. Only — you realize it’s blurry because whoever was holding the camera was shaking like a leaf.

Blurry photographs ruin an otherwise perfect picture. Same with those pics where you manage to lose your grip on the phone.

A skin can improve the Grip of the Phone

The sleek XS Max is far too easy to drop when it’s without an iPhone skin. Serious photographers know that they need some help from a company like dbrand. They produce the best holiday photo-proof iPhone XS Max skins out there.

Their latest design comes with a pattern of individually textured honeycombs to create the best grip possible, making it easier to hold tight and steady throughout any photoshoot.

You should put a skin on your iPhone XS Max, and think about adding a selfie stick into your holiday repertoire. Together, these accessories can banish blurry photos from ruining your snaps.

3. Take Advantage of Decorations

If you were to show someone pics from last Christmas or Hanukkah, would they know the photos were taken during the holidays? If not, that was a serious misuse of setting.

You can inject an easy sense of holiday cheer by snapping pics by the tree, menorah, or garlands decorated with stringed lights.

Just be careful to adjust the Lightroom app on your XS Max. This gives you the ability to manually adjust your exposure to balance bright bulbs in dark rooms.

You may also want to turn on a few extra lamps than normal to brighten any shadows the XS Max can’t improve through its Smart HDR.

4. Switch up the Angles

When you’re the star of several, frighteningly bad photographs, it’s easy to get in a funk. You stand in one spot, taking pic after pic hoping you’ll eventually nail it.

Switch up the angles

You know what they say about doing the same thing expecting different results. It can drive you mad!

Stave off holiday photo insanity by shaking things up. Move around and try different angles. They won’t always work, but you might find something that suits you.

You could do with learning something from the queen of selfies, Kim Kardashian. Have you noticed you rarely see her facing the camera face on? That’s not just a coincidence. Most people look better in a slight profile — particularly their left side according to science.

Another trick Kim K uses is a downwards pointing camera angle. By having to look up to meet the lens, she has to straighten her neck and jut out her chin, creating a more angular look to her jawline.

Stay away from a camera that points up. This will force you to look down at the lens, potentially creating an unflattering double chin in the process.

Start Practicing!

Bad holiday photos aren’t a perquisite of the season. You can banish awkward and ugly snaps from your holiday tradition with a little time and effort. Just put some thought into your next photograph and remember these tips to help you iron out the kinks.

These four basic steps will lead you to the perfect pic this season. You’ll look so good, you may even want to use it as the header of next year’s holiday email chain!

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Top 6 SEO Conferences To Attend To Improve Your Knowledge
Top 6 SEO Conferences To Attend To Improve Your Knowledge

Are you curious about the latest techniques and trends surrounding the paid and organic search marketing industry? If the answer is yes, you’ll be delighted to know that there are a plethora of SEO conferences held every year and around the world to give you the tools you need to be successful in your search marketing venture.

6 Popular Conferences That Cover Topics Related To Latest Paid and Organic Search Marketing Strategies

There are many SEO conferences and events around the world that you can partake in to learn what the latest strategies are to ensure you and your clients are safe during your paid and organic search engine optimization.

1. Search Marketing Expo

The Search Marketing Expo is an extremely popular search engine marketing conference to attend. This conference often has events in various locations in the world. The event ensures attention is placed on the important topics that relate to search marketing and digital marketing.

The Expo has been a powerful tool for Internet marketers for more than 10 years, and with so many events being held every year, you’re sure to find a conference you can attend. Make sure you take advantage of it.

2. ClickZ Live (Search Engine Strategies)

ClickZ Live, which was once known as Search Engine Strategies, holds events all around the world. There a host of topics discussed at the event including but not limited to:

Conversions Data-driven marketing Display advertising Email marketing E-commerce Local Mobile 3. Pubcon

This conference is often regarded as the leading Internet marketing conference, as it focuses heavily on search marketing. It takes place in New Orleans during the spring and, in fall, it’s held in Las Vegas.

There have been several well-known keynote speakers including Craigslist founder, Zappos and Microsoft CEOs and others. Learn more about Pubcon.

4. MN Search Summit

The MN Search Summit is a one-day event held in Minneapolis on various topics such as analytics, conversions, PPC and search marketing. You’ll need to keep an eye on when it’ll be held to take advantage of it.

5. MozCon

MozCon is a three-day event that takes places in Seattle, and topics of all kinds relating to search marketing are discussed – social media, latest search strategies and trends, content marketing, CRO, brand development, analytics, community building, etc.

6. State of Search

The DFW Search Engine Marketing Association is in charge of the State of Search conference, which is a two-day event, held in Dallas, that covers various topics such as social media marketing, PPC and SEO.

2 Important Tips To Make The Most Of Any SEO Conference 1. Plan Ahead

If you want to enjoy the whole conference experience, the first thing you have to do is make your plans in advance. Look at the agenda to determine what sessions you need to attend that will propel your business further. Make sure you add time to speak with the experts, as they’ll share a majority of their tips one-on-one.

2. Buy Relevant Session Presentations

If session presentations are available to buy, it would be a worthwhile investment. They are a great resource you and your company’s marketing team can use until the next event is held.

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4 Best Phones for Vlogging
Vlogging smartphones

The video blogging or vlogging wave has become a major component of the digital era. There are many people capturing memorable moments in their lives through videos and sharing it on social media every day. These videos are fun and exciting because they can be watched time and time again.

A lot of phone brands these days have smartphones with amazing camera capabilities that rival DSLR cameras. If you’re looking for unique camera ability or a particular camera strong point, this list is for you. Here are the best smartphones for vlogging, 2018/2019.

Huawei P20

Huawei P20

While the Huawei p20 might not have created the biggest buzz in 2018, there’s no reason why you should not consider it. It is an alternative to the Galaxy S9 and other expensive phones from top brands.

The Huawei P20 has a lot going for it. Apart from the fact that it looks great, it has a great camera with some unusual capabilities, at a tempting price for such a high-end phone.

It doesn’t have the triple cameras of its sibling, the Huawei P20 Pro, however, a great camera is still great regardless of whether or not there’s an extra camera offering zoom or X-ray vision.

As a matter of fact, the P20 isn’t far behind the P20 Pro on lens count because it still packs two, and what’s more, they are Leica branded as well. It has a 12MP color snapper on the rear, paired with a 20MP monochrome sensor used to apply depth mapping to portraits, to capture detailed rich monochrome photos and improve colors as well. With the P20, you’ll be getting a 12MP camera, with a ½.3in sensor and pixels that are 1.55um in size.

All of this combines with an aperture of f/1.6 on the mono camera, plus a 4 in one hybrid focus which promises to deliver stunning results making the P20 the best phone for vlogging.

Sony Xperia XZ Premium

Sony Xperia XZ Premium

Coming as the first to sport Sony’s “Motion Eye” capture system, users of the XZ Premium will enjoy the amazing speed of a dedicated DRAM, helping to process images with improved speed.

You’re going to enjoy some other benefits of the stacked memory. It features Predictive capture, which works when the sensor detects motion and capturing either immediately before or after pressing the shutter button.

With the new ½.3 inch sensor, the megapixel will reduce to 19MP from the 23MP on Xperia XZ, which is considerably larger, improving lowlight picture quality and taking even 4K videos at a whopping 960fps. There are a few other modes available, such as recording at 120fps and adding in the slow motion post, and one-shot super slow motion that shoots a five-second clip just by pressing the shutter button.

The marquee feature, however, is the 720p video recorder at a normal speed, at which point you have to press the capture button at the right moment to initiate the high frame rate.

The Xperia XZ Premium has a great vlogging camera. Recording at 1080p yields videos with amazing detail and great colors, but recording at 4k would yield even better results especially when they’re eventually rendered out in 1080p.

One gripe you might have with the XZ premium is the slower shutter speed in low light conditions. This makes for blurry photos when there are movements, and you might want to retake the shot. Besides that, Sony used their own hardware to great effect; the XZ premium is solid, fun and the second best phone for vlogging.

Samsung Galaxy S9+

Samsung Galaxy S9 Plus

The Samsung Galaxy S9+ is one of the best smartphones in terms of videography. While it may not be the most spectacular camera phone, it certainly delivers high-quality videos fused with an excellent all-round smartphone experience.

The Galaxy S9+ features two rear cameras, with the main 12MP sensor accompanied by a secondary 12MP sensor directly below it. The main sensor makes the phone really special, it’s the first time a phone camera features f/1.5 aperture, meaning it can adjust quickly to any lighting situation. It also features a new Dual Aperture Technology, allowing it to smoothly transition between f/1.5 for low light to f/2.4 which enables it to perform spectacularly well in low light, with consistent good exposure and vibrant colors. The autofocus feature works swimmingly with very little time wasted and the video stabilization is great.

What makes the Samsung Galaxy S9+ stand out, however, is its noise reducing ability while shooting videos. It pulls in more light and less noise and has a DRAM added to its image sensor stock, which allows photos to be made up of 12 frames instead of 3. With the Galaxy S9+, you can record in slow motion at 240fps in 1080p and supers slow motion at 960fps in 720p.

All these features, coupled with an easy to use camera app, make the Galaxy S9+ the best phone for video recording.

Read: Amazing Tecno Camon 11 Pro Features

LG G6

LG G6

The G6 sticks with its predecessor’s dual camera concept, but with both sensors now offering the same 13MP resolution. The wide angle lens also comes with a 71-degree angle of view and an f/1.8 aperture while the super wide angle offers 125 degrees and a slower f/2.4 aperture meaning low light snaps won’t be quite as good. The G6 also offers 4k video capture, stereo sound recording, and a laser-assisted AF system.

LG worked with Qualcomm to pluck some of the dual-camera smarts from the 835 CPU to implement them in the 821. The result is a much smoother process when switching sensors, giving the feel of a single camera.

The LG G6 has a few issues though; while the detailing is good, colors tend to look a bit bland on occasion and the dynamic range doesn’t compare with other high-end Android phones. In the end, the wide aperture helps significantly in low lighting conditions, even though the pixels are still as small as they were in the G5. Details are decent in dark conditions and noise is kept to a minimum.

While the G6 isn’t on the same level as other high-end phones, it still is right on top of its game when you take the price into consideration. It most definitely is the best mid-range camera phone in 2018 and the best budget smartphone for vlogging.

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Panasonic Eluga Ray 530 Specs and Price
Panasonic Eluga Ray 530

Another budget smartphone is here and it comes with just about the set of features that you’ll need at a low price. The Panasonic Eluga Ray 530 is that phone you can get without having a dent in your pocket like the premium smartphones will do. In all, the smartphone offers the basic specs that are quite good for beginner users. Also, you will be aware of the fact that the smartphone is a budget one from the first view despite the nice look.

Panasonic Eluga Ray 530 key Specs and Features 5.7-inch, IPS LCD capacitive touchscreen, 1440 x 720 pixels Android 8.1 Oreo Quad-core MediaTek CPU with 3GB RAM 32GB built-in storage space, up to 128GB with a memory card 13MP rear camera and a 5MP front camera 4G LTE Fingerprint scanner (rear)  3, 000mAh non-removable Li-Ion battery

Panasonic Eluga Ray 530

Design and Display

The smartphone has a smooth plain back with a centrally arranged camera, LED flash, fingerprint scanner and bottom speaker the highlights rear cover. It is quite light, weighing just 141g but not so subtle with the thickness measuring 8.3mm. Two colours are available only and that is the blue and black variant with the front bezel also black on the blue variant too. The Panasonic Eluga Ray 530 has a nice build and the plastic body does look durable.

Since bigger screens are now being adopted on more phones lately, the 5.7-inch on the Panasonic Eluga Ray 530 can in some way now be regarded as average. You will be getting a not too crisp screen owing to the HD+ resolution and the fact that it is an LCD screen doesn’t really cut it.

Battery and Camera

The battery capacity on the smartphone is right in the middle of large and small which means it is best you don’t go on long hours of battery draining activities. As usual, the smartphone’s charging interface is a  Micro USB port and it does have a 3, 000mAh battery at the receiving end.

Optics-wise, the smartphone offers a one camera system on both axes. Stuffed up with features like panorama, autofocus, bokeh effect and more, there is quite a semblance of picture quality. To the rear, the smartphone has a 13MP camera and at the front a 5MP sensor.

Hardware and Software

Regarding the components inside the phone, you’ll find a bottom level chipset, decent storage space and a considerable RAM space. Starting with the chipset you’ve got a quad-core MediaTek processor with a clock frequency of 1.3GHz. Moreso, there is a 3GB RAM and another 32GB space for storage that can be take up to 128GB using a MicroSD card. Featuring an Android 8.1 Oreo processor, it falls behind on the latest Pie OS.

Panasonic Eluga Ray 530 Pricing and Availability

The smartphone goes for about 46, 000 Naira depending on the deal and your storage space.

Panasonic Eluga Ray 530 Specs

Here are a few specs of the Panasonic Eluga Ray 530:

General Features Platform: Android 8.1 Oreo Processor: Quad-core MediaTek GPU:Memory: 3GB RAM Colours: Black, Blue Dimension: 152.4 x 72.2 x 8.3 mm Weight: 141g SIM Type: Nano SIM SIM Count: Dual SIM Display Display: 5.7-inch, IPS LCD capacitive touchscreen, 1440 x 720 pixels Screen Protection: – Camera Rear Camera: 13MP camera, 1080p Video@30fps Rear Camera Features: Autofocus, LED flash, Geo-tagging, touch focus, face detection, panorama Front Camera: 5MP camera, 720p Video@30fps Storage Built-in Storage: 32GB Memory Card Support: Yes, up to 128GB Bundled Cloud Storage: – Network Support 2G GSM: Yes 2G CDMA 1X:3G WCDMA: Yes 3G CDMA EVDO:4G LTE: LTE band 1(2100), 3(1800), 5(850), 40(2300), 41(2500) Internet & Connectivity GPRS: Yes EDGE: Yes 3G/WCDMA/HSPA: Yes HSPA+: 42.2/5.76 Mbps CDMA EVDO:4G LTE: Yes WLAN: Wi-Fi 802.11 a/b/g/n/ac Wi-Fi Hotspot: Yes Bluetooth: Yes, v4.1 with A2DP NFC:Infrared Blaster:USB Port: MicroUSB 2.0 Messaging SMS/MMS: Yes Instant Messaging: Yes Push Emails: Yes Email Protocol: – Entertainment Music Player: MP3/WAV/eAAC+ player Video Player: MP4/H.264 player FM Radio: Yes Loudspeaker: Yes 3.5mm Jack: Yes Navigation Navigation: Yes, with A-GPS Maps: Yes Sensors & Control Digital Compass:Accelerometer: Yes Proximity Sensor: Yes Light Sensor: Yes Barometer:SpO2:Pedometer:Heart Rate Monitor:Gyroscope:Fingerprint Scanner: Yes (rear) Iris Scanner:Face Unlock:Intelligent Digital Assistant:Motion Sensing / Gesture Control:Voice Control: – Other Features Video Streaming: Yes Active Noise Cancellation:Wireless Charging:Built-in Mobile Payment:Water Resistant:Dust Resistant:Image Editor: Yes Video Editor: Yes Document Viewer: Yes Document Editor: Yes Battery Battery: 3, 000mAh non removable Li-Ion battery Talktime:Standby Time:Fast Charging:

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