We love photography, and therefore we have a special section devoted to it. Today, in particular, we bring the best app to collect photos. With these apps, you can paste photos from your gallery and create fun and original combinations. With these results, you can have your memories all together in one image. Discover the endless possibilities that these applications bring you, such as merging free photos, both for Android and iOS.
The Best Apps To Gather Photos
PickStitch allows you to combine photos into one in a creative way. Choose all the angles of a moment or a person and join them all in one layer! This app has a powerful “joiner” that offers all the possibilities to the user to make their combinations more attractive.
It offers hundreds of predesigned templates and also offers the possibility to create your own. In addition, you can capture images directly from the app or choose them from your gallery or Facebook. With a few touches with your finger, you can rotate, adjust and apply thousands of filters.
Then you can share them on social networks or send them to email, Dropbox, Evernote or another application that accepts the JPEG format. In the newer devices allows to save them in HD.
Photo grid is an app for Android and iOS very complete and also free. More than 100 million users endorse its success, making it one of the most popular of the moment. It allows you to take several captures and paste them in one to apply filters, stickers and much more. When finished you can share your fun results with your friends and family. It also acts as editor of moving images and serves to make video presentations where you can put video, music and text.
Offers fun templates, such as magazine cover. It also allows you to tell your story through a strip, a long canvas instead of a grid. More than 300 designs are waiting for you!
Photo Collage Editor
If what you are looking for is how to put two photos in the same image with a free and very simple tool, you have hit the nail on the head. You will have some very funny results in which you can integrate backgrounds, frames and much more.
It has very powerful features and simple design. You can find up to 120 different frames to choose from, to which you can change the colour and patterns and textures. Its use is very easy since it is through the most common tactile gestures that we all know. Now you can add effects to your photos and become the artist of your friends.
Moldiv is an amazing app to put together two photos in one, or other combinations, and get very fun and creative with a variety of settings within your options. Undoubtedly one of the most complete and attractive options.
In the free version, you have 80 frames (and if you upgrade to a Premium version, you will have 100 more). The customization options are endless, being able to adjust the size, colours and other basic settings, apart from being able to add up to 50 photographic effects.
It allows you to combine up to 9 in one and its wide range of colours, as well as texts (100 fonts and 99 patterns and colours in fourteen styles), make it one of our favourite options. Not to be missed.
Photoblend is one of the best applications to mix two captures in a natural way. Can you imagine mixing with a wild animal, like the tiger? Or see how you merge with your best friend? What would happen if you mixed with a celebrity? Give it imagination.
Forget about Photoshop (very complicated for basic level), Photoblend makes it easy for you. With this app, you can edit with a single click, and thus you will get an authentic work of art. In addition, you can not only merge bodies, but you can add other effects, frames or symbols.
It allows you to share directly on Instagram or Facebook, and you have it both for Android and for iPhone lovers. What are you waiting for?
Putlocker is a site that is among the best on the internet to watch free movies online. You can watch thousands of movies, as well as television series. Finding the movie you want is very easy because they have a simple and beautiful interface. You can use and watch your favourite movies on online without any restriction.
Putlocker is definitely a site that will make you come back for more, but, although Putlocker is one of the best places to watch movies online, unfortunately not always have all the movies you’re looking for. For this reason, we have made a list of the best movie sites like Putlocker where you can enjoy free TV shows and movies.
Without a doubt, one of the best online movie sites is MyDownloadTube. This movie site will keep you on the edge of your seat for hours. With HD movies and the ability to download the content you want directly to your computer, you can enjoy movies with high quality without an internet connection. MyDownloadTube is very easy to use, has thousands of users every day and it is definitely worth checking out!
123 movies is another very good alternative for Putlocker, besides being a very attractive website. This site has many incredible options to watch movies online, you can select the type of movie you are looking for or just watch categories of many movies to find one that catches your attention, it is surely worth seeing all of them. Being one of the best websites to watch movies online, 123movies outperforms the competition very easily.
Voirfilm is an excellent site to watch movies online if what you like is to watch movies in French. Browsing your site is extremely simple and all your series and movies are of great quality. Voirfilm is one of the best sites like Putlocker if you are French or if you want to learn to speak French. One of the biggest benefits of using this online movie site is that they do not have any advertising ads, making watching movies a great pleasure.
Niter is another amazing site to watch movies online, its interface is quite similar to that of Netflix. This site is not going to disappoint you, you will find many movies in HD quality and new releases in large quantities, making it very easy to find the movies that most excite you. Being one of the best places like Putlocker, we could not ignore Niter by making this list of the best sites to watch movies online.
StreamComplet is another online movie site that will not disappoint you if you want to watch French films. As the name implies, this movie site is very comprehensive and comprehensive, you can find as many French films as you want. They have more than 5,000 movies of excellent quality and you can see them without any difficulty. It is very easy to use, it is full of high-quality movies and has very few ads, all this makes StreamComplet one of the best movie sites on the internet.
The WhatsApp Messenger app has been updated with the ability to call your friends and family for free.
WhatsApp Messenger is a smartphone messenger available for iPhone and other smartphones. WhatsApp uses your 3G or WiFi (when available) to message with friends and family. Switch from SMS to WhatsApp to send and receive messages, pictures, audio notes, and video messages. First year FREE! ($0.99 USD/year after)
What’s New In This Version:
• WhatsApp Calling: Call your friends and family using WhatsApp for free, even if they’re in another country. WhatsApp calls use your phone’s Internet connection rather than your cellular plan’s voice minutes. Data charges may apply. Note: WhatsApp Calling is rolling out slowly over the next several weeks.
• iOS 8 share extension: Share photos, videos, and links right to WhatsApp from other apps.
• Quick camera button in chats: Now you can capture photos and videos, or quickly choose a recent camera roll photo or video.
• Edit your contacts right from WhatsApp.
• Send multiple videos at once and crop and rotate videos before sending them.
You can download WhatsApp Messenger from the App Store for free.
AS A FRESHMAN in college, my one (moderately) responsible financial decision was setting up a checking account that rounded up every purchase I made to the next dollar and shuttled the extra change into a mini savings account. When a friend from the business school suggested I’d be better off investing that money, I ignored him completely. None of the seemingly complex investing options he proposed made any sense to my 19-year-old mind. I was happy to let my money accrue nickel by dime by a penny in what amounted to a glorified piggy bank.
As it turns out, I wasn’t all that different from the rest of my penny-pinching generation. One recent study by UBS called millennials the “most fiscally conservative generation since the Great Depression,” saying they hold the bulk of their assets in cash and view saving, not investing, as the soundest financial strategy. Often, members of this generation find themselves either unable to come up with a lump sum to meet account minimums for most investment firms, or they’re simply unwilling to pay a financial adviser’s hefty commission fees.
Now, a startup called Acorns wants to solve these problems with a new smartphone app, hoping it can help millennials outgrow the piggy bank. Much like the checking account I set up all those years ago, the app links to a user’s debit or credit card and rounds upon every purchase. But rather than letting the cash stagnate, Acorns invests it. Users can choose one of five portfolios, ranging from conservative to aggressive risk, and the cost is $1 a month, plus anywhere from .25 per cent to .5 per cent of their earnings. They can also withdraw their funds at any time.
Millennials are the “most fiscally conservative generation since the Great Depression.”
With this app, Acorns joins a growing list of startups attempting to create an onramp for a new type of investor, the under-30 set, which many have referred to as “the recession generation.” Companies like Betterment and Wealthfront are using behavioral science and automation to reduce human error in investing and charge lower fees than traditional financial advisors. But Acorns takes a more streamlined approach. Founded by Walter and Jeff Cruttenden, a father-and-son team from Newport Beach, California, the startup is hoping that its dead simple “invest the change” model can serve as a sort of gateway drug to the wider world of investing.
If successful, Acorns could radically change the narrative of this generation, transforming them from post-recession conservatives to savvy financial risk takers. “There are 315,000 financial advisers out there. We’re not trying to compete with them,” says Walter Cruttenden, the company’s CEO. “We’re trying to be the starter account, the farm school, the incubator.”
That plan appears to be paying off. Among the more than 10,000 users who tested Acorns before launch, more than one-third of them are under the age of 22, and a full 85 per cent are under the age of 35. “We’re really excited to be engaging this young group,” says Jeff Cruttenden, Acorns’ COO, a millennial himself.
‘It’s Going to Happen This Way’
The young co-founder is unique among his peers in that he’s been investing in the stock market since he was in high school, something he owes largely to his father’s influence. Before founding Acorns, Walter launched the investment banking firm Cruttenden Roth, now Roth Capital, and also started the investment banking arm of E*Trade.
It was during Jeff’s senior year at Lewis & Clark College that he and Walter began discussing how technology had drastically reduced the cost of trading. Walter predicted that this cost reduction would usher in a new age of micro-investing in the U.S. “Jeff held up his smartphone and he said: ‘Dad, it’s going to happen this way,” Walter remembers.
From that day on, the two began brainstorming ways to build an investment platform for a demographic that’s both mobile-first and wary of traditional investing. Originally, they planned to design a front-end app for existing companies, like Schwab or Fidelity, but soon realized that the multitude of options those companies offer investors would only overwhelm Acorns’ potential users. “We had to consider people who are Ubering home and walking down the street. They don’t have a check with them or 15 minutes to pore over a complicated document,” Jeff says. “We wanted to simplify and streamline it.”
So the team spent the next two years dealing with regulators and becoming their own broker-dealer, raising some $9 million in funding along the way. All the while, they worked on simplifying the technology to enable users to set up an account and start investing in minutes. Users sign up using their bank username and password and provide basic details about themselves, including their social security number, income, net worth, and investment goals. That allows Acorns to recommend the right portfolio for them. Rather than offering an array of investment options, Acorns only offers users so-called exchange-traded funds.
This both simplifies the setup process for users and lowers Acorns’ own costs, by reducing the number of variables the system needs to contend with. “There’s not a place to put in a stock symbol or a price or type of order,” says Walter. “It just sweeps your money into this pre-constructed portfolio, and when you want it, you withdraw instantly.”
The Tinder of Investing
Acorns have been called the Tinder of investing. Just as Tinder made online dating as easy as swiping left or right, so too has Acorns simplified the often tedious and complex process of investing. But that doesn’t mean the investment strategy is any less sophisticated. The portfolios were designed with help from Dr Harry Markowitz, a Nobel Prize winner, who is commonly referred to as the father of modern portfolio theory. Jeff met Dr Markowitz through a friend who was a student of his at the University of California, San Diego.
When Dr Markowitz heard about Acorns, he took a special interest in the company and worked as a paid adviser in the company’s early days. “Investing in a broadly diversified portfolio for the long term is the right choice for most people,” Dr Markowitz said in a statement. “Acorns enables this to happen automatically in tiny increments with minimal cost. This has the potential to help people across all demographics.”
Of course, all by itself, this approach isn’t likely to make anyone rich. The average user invests about $.57 per transaction, with three transactions a day. That’s about $50 a month. According to Jeff, the average expected return of these portfolios ranges from 4 to 9 per cent. The hope is that as Acorns’ users become more accustomed to investing, they’ll opt to invest even more of their money in the markets. And when that day comes, the Cruttendens say, they’ll be ready.
“We want to make our investors feel comfortable as their accounts grow, so our focus on small accounts isn’t at the expense of large accounts,” Jeff says. “We built the platform to handle multimillion dollar accounts.”