The SIM card is an indispensable part for communicating with mobile phones. To continue using the same SIM card even if you change your mobile phone, there is a way to adjust the size of the SIM card using a SIM cutter. Here are some tips for using a SIM cutter that won’t fail and what to do if it fails.
SIM card size development
There are three sizes of SIM cards in circulation. The largest SIM card called standard SIM is used for future phones. From around 2010, smartphones began to appear on the market, and a smaller SIM card called microSIM appeared. Smartphones in recent years use a smaller SIM card called nanoSIM. You can get this type of sim cards from your sim only deal.
SIM cutter for size adjustment
In recent years, the number of SIM-free mobile phones that can communicate even if the SIM card is replaced is increasing. However, even if you purchase a new mobile phone and use the SIM card you have been using as it is, the size of the SIM card may not fit. The SIM cutter can be used there. By adjusting the size of the card using the SIM cutter, you can continue to use the same SIM card even if you renew your mobile phone.
How to choose a SIM cutter
Pay attention to the quality of 100 average SIM cutter
In recent years, you can buy a SIM cutter even at 100-yen stores. However, it seems that the 100% cutter may distort the teeth or break the cutter itself when cutting. Even if you get a cutter cheaply at 100%, it will be expensive if it breaks, so be careful. We recommend choosing a SIM cutter that is durable and has a good reputation for quality.
Check the quality and purchase
SIM cutters can be purchased at home electronics retail stores and online, even if they are not 100%. You can check the real thing at the store, so choose the one that you think is good to see. Most SIM cutters can be purchased for a few hundred yen to a few thousand yen. If you buy online, you have more options, but you don’t know the quality until you receive it. When purchasing online, check the reviews and ratings carefully before making a purchase.
Tips for punching with a SIM cutter
The more you use things, the more you will get the knack of how to use them, but you may not have many chances to use a lot of SIM cutters. First, let’s check the tips on how to use the SIM cutter and then put it into practice. It is important to get an image for a SIM card punch that will not fail.
Tips ① Direction
Basically, make sure you insert the SIM card into the cutter in the wrong direction. Since it can be inserted into the cutter in the wrong direction, there is a mistake of punching without noticing it. Normally, if you look through the hole of the cutter from the back, you can judge in the shape of the hole which direction to insert the SIM card. A SIM card looks like a rectangle with one corner cut off. It is a good idea to cut while checking the positions of the corners of the holes of the original card and the cutter.
Tip ② Chip position
The important part of the SIM card is the metal part that contains the IC chip. Actually, not all metal parts have IC chips, but IC chips are attached around the center of the metal parts. When you hold the SIM card over the strong light, you can see a black shadow in the center. This is an IC chip. Be careful not to punch this IC chip part.
Pay attention to the scratches on the SIM card
When you insert the SIM card into your mobile phone, there is friction between the internal contacts and the card metal. Depending on the period of use of the SIM card, the friction part may become a thin linear scratch and leave a mark on the SIM card. The scratched part is the contact part, and if this position shifts, it will not be able to read properly. Check the position of the scratch and punch it so that it does not shift.
Tip ③ Strength
If you slowly lower the cutter’s teeth, it may be dragged and the SIM card may be misaligned. Let’s punch at once. It is easy to understand if you imagine using a stapler or a hole punch. Of course, once you punch, it is irreversible, so be sure to decide the orientation and tip position so that you do not fail before punching.
Tip ④ Fine adjustment
After punching, the cross section of the SIM card may be rattling or slightly too large to fit in the SIM tray. In that case, use sandpaper to scrape the cross section and make fine adjustments. Sandpaper should be hung in one direction. Try putting them in the tray diligently and be careful not to make them smaller than necessary. Since the SIM card is a precision device, handle it gently so as not to apply too much force, and be careful not to touch the chip.
100 sandpaper is convenient
Your SIM cutter may also come with sandpaper. If sandpaper is not included, purchase and prepare sandpaper at 100% before using the cutter. Even 100 sandpaper can be used sufficiently. Sanding is a delicate task, and if it is too large, it will be difficult to use, so if the sandpaper is large, cut it to a size that you can get.
What to do if you fail
Even with the utmost care, using a SIM cutter can unfortunately fail. If you know the cause and remedy in case of failure in advance, you can deal with it without rushing more than necessary. It is best to be able to punch the SIM card without failing, but let’s know what kind of failure cases there are and refer to it so that it will not fail in the same way.
Remedy ① The size does not match
Remedy (2) Cannot communicate
If the cause of the inability to communicate is considered to be damage, the SIM card cannot be used. If you lose communication, ask the SIM card issuer to reissue the card and have it replaced. Depending on the company, there may be a fee for reissuing or exchanging, or reissuing or exchanging itself may not be possible. It is a good idea to check the reissue and exchange regulations of the card issuer in advance.
What you need to know before using a SIM cutter
As a result of punching the SIM card, the size may become smaller than necessary. If the SIM card size is too small, the card will shift in the SIM tray and communication will not be successful. In that case, use a SIM card adapter. You can increase the size using an adapter. SIM card adapters can be purchased on online shopping sites for less than a few hundred yen.
Benefits of using a SIM cutter
If you replace or reissue your SIM card, it may take several days before you can communicate with your new SIM card. If you resize the SIM card yourself, the cut itself will only take a few minutes. It requires fine-tuning, but you don’t have to wait a few days, so you can communicate immediately and you don’t have the stress of not having a mobile phone.
Can maintain data
To use a new mobile phone, it is very troublesome to transfer apps and contacts from the existing mobile phone. If you can use the SIM card as it is on your new mobile phone, you can use your existing data on your new mobile phone, eliminating the need for troublesome migration of apps and contacts. You can use it as usual as soon as you can communicate.
No fees are taken
The SIM card service provider can replace it with a different size. In that case, you will usually be charged a fee for the exchange. The fee price varies depending on each company, but it is about several thousand yen. However, if you punch yourself with a SIM cutter and resize it, you will not incur any fees and will save money. Of course, it doesn’t make sense if the purchase price of the SIM cutter is higher than the commission, so check the price carefully.
Disadvantages of using a SIM cutter
Even with the utmost care in cutting a SIM card, the possibility of failure cannot be ruled out. If you make a mistake, you will incur not only the purchase price of the SIM cutter, but also the reissue or replacement fee and other expenses. Even if you can communicate on the spot, you may not be able to communicate after a few days. If you cannot communicate, you need to request a reissue.
Data disappears if it fails
If you make a mistake, the SIM card will no longer be usable and the data on the SIM card will be lost. Data cannot be recovered even if it is reissued. If the SIM card contains important data that should not be erased, back it up to the cloud or PC in advance. Since you do not know when and when your data will be lost, it is recommended that you make a regular backup.
Damage may be required
The SIM card is rented by the provider. If you no longer use the SIM card, you will basically be asked to return it. Depending on the provider, processing the card may be considered to have been intentionally damaged and a claim for damages may be made. Check the regulations of the SIM card provider you are using in advance and be careful not to take unnecessary risks.
Live a smart digital life
In recent years, there are many types of mobile phones and SIM cards, and there are many choices. One option is to use a SIM cutter to resize the SIM card. Knowledge of SIM cutters may be useful someday. Make sure you understand how the SIM card works and the rules of the provider, and lead a comfortable and smart digital life.
Roth IRA: A Guide To The Benefits & Features
A Roth IRA, or Individual Retirement Account, has been a retirement savings vehicle for US taxpayers since 1998. It has many benefits and features you’ll want to be familiar with before entering one.
This guide will discuss the ins and outs of Roth IRAs in hopes that you can make an informed decision on whether or not it is right for you.
What Is A Roth IRA?
It is a type of individual retirement account (IRA) set up by a person or business on behalf of another individual or company.
Contributions are made after-tax, and distributions are tax-free if you meet certain conditions.
The funds go into an account managed by an investment firm, which handles the investments and investing decisions on behalf of each investor’s Roth IRA account.
Each year, the IRS sets contribution limits (for both traditional and Roth IRAs) that determine how much you can invest each year into your accounts before they apply taxes to your earnings.
These limits vary depending on your age and income level; if you’re interested in contributing more than the limits allow, there are ways to increase contributions beyond those caps.
For Roth IRAs, the contribution limits are much higher than those for traditional IRAs and 401(k)s. That is because they represent an excellent opportunity for anyone who wants to save for retirement.
That goes especially for those who do not have the means to contribute to a Roth IRA. That limit also applies to other retirement accounts.
How Does It Work?
A Roth IRA works like any other investment account.
You contribute money and then let it grow over time until you need it for retirement.
The main difference between a traditional IRA and a Roth IRA is how much you earn goes toward earning interest on investments versus paying taxes on those earnings each year.
Roth IRA Contribution Limits
Roth IRA contribution limits vary depending on age, income, and whether you’re married or single.
In 2019, the maximum contribution limit for most people was $6,000 per year, although an additional catch-up contribution is allowed for those 50 years old or older.
If you’re married and filing jointly, the limit is $12,000. You can make contributions to your account at any point during the year; keep track of how much you’ve contributed so that you don’t exceed the maximum amount for that tax year.
You can also make partial contributions throughout the year. For example, if you want to contribute $2,000 in January and another $4,000 in July, that’s fine as long as your total contribution doesn’t exceed $6,000 ($7,000 if you’re 50 or older).
Contributions made after age 70½ are called “qualified distributions” and thus not subject to income tax or early withdrawal penalties (although they will be subject to regular income tax).
Required Minimum Distributions (RMD)
One of the essential features of a Roth IRA is that you don’t have to take required minimum distributions (RMDs).
You must withdraw these minimum amounts from your IRA or 401(k) account each year after age 70½ to avoid penalties.
With a traditional IRA or 401(k) account, you must start taking RMDs at age 70½, but with a Roth IRA, you can leave your money in history forever and never take out any money.
The only requirement is that if you’ve had your account open for at least five years and can withdraw up to $10,000 as a first-time homebuyer without paying taxes, you can use this rule once every two years during retirement.
This can be helpful if an unexpected expense arises or you need extra money for an emergency fund.
How To Open or Start A Roth IRA?
You open a Roth IRA with a financial institution, such as a bank or brokerage firm.
You can contribute up to $5,500 annually in 2019 (or $6,000 if you’re 50 or older), but income restrictions exist on who can contribute.
Contributions may be made directly by the individual or through payroll deduction.
The earnings on your investments grow tax-free until distributions are taken during retirement.
Distributions are taxed as ordinary income at ordinary rates.
So if you contribute $5,500 each year for 40 years and earn 8 per cent per year (which is about average for stocks), your investments would total about $1 million by the time you retire.
If you withdraw that money at age 65, they will tax it as ordinary income at ordinary rates when withdrawn — which could be about half of what you invested.
What Type Of Money Can You Contribute?
The following are examples of what type of money you can contribute to a Roth IRA:
This includes wages and salaries, net self-employment earnings, and farm income. It also includes alimony and child support payments if they are taxable to you.
This includes interest on savings accounts and certificates of deposit, dividends on stocks; rental income; capital gains from the sale of stocks or mutual funds; pension payments; Social Security benefits, unemployment benefits, and other sources.
You must have earned income to contribute to a Roth IRA for the year you want to contribute (unless you are married and filing jointly).
When Can You Withdraw From A Roth IRA?
If you have a Roth account and want to get the money out of it penalty-free when you are older, you can do so under certain conditions.
For example, if you’re at least 59½ years old when you take money out of your Roth IRA or use the distribution to buy, build or rebuild your first home (up to a lifetime maximum of $10,000), there are no taxes on the amount distributed.
Also, after a disability prevents you from working for at least 60 days and continues for at least six months, you may be able to take out money without paying income taxes.
And finally, if someone inherits an inherited Roth IRA, they will get the money after that person dies.
If you have a retirement account, you must wait five years before withdrawing any of its funds.
If you withdraw the money before the five years, you will be subject to a 10% penalty on top of any applicable taxes.
If you are younger than 59½, you can avoid this penalty if you use the money to buy your first home or if you have a disability, die or use the withdrawal for qualified education expenses.
There are exceptions if you need to take money from your Roth account.
You can take out the money for medical bills that are more than 10% of what you make in a year without having to pay taxes or penalties on the money.
You might need to pay for medical insurance if you have lost your job.
You can also take out money for qualified higher-education expenses.
That would include tuition, fees, books, supplies, and equipment required for enrollment or attendance.
The final decision to go with a Roth IRA remains up to you. However, the Roth IRA offers some tangible benefits that make it stand out from the rest in terms of compensation.
If your earnings are likely to be above average in a year or two, then Roth is probably a great choice.
Also, suppose you can avoid any nasty surprises that cause you to need access to your savings before retirement age. In that case, the Roth IRA has a significant advantage over other plans.
Popular Crypto Telegram Groups
One of the finest places to remain informed about the newest cryptocurrency trends and which altcoins are booming is Telegram which is one of the best resources along with Twitter and YouTube.
Popular Reddit communities and even Tiktok influencers talk about cryptocurrency. A crypto project frequently maintains an online presence on a number of social media platforms, one of which is a Telegram group.
It is possible to create a Telegram group where everyone may freely speak or a one-way Telegram channel where individuals can only subscribe to a feed of updates (or both). Then, to reduce spam, Telegram users are designated as moderators and admins.
Current Top Crypto Telegram Groups
But which Telegram channels for cryptography are the finest in 2022? The top three bitcoin ask me anything and channels in recent months have been compiled by our cryptocurrency market research team.
As its native token LBLOCK experienced a 65x run in one month in 2022 following the introduction of their cryptocurrency giveaway app, Lucky Block has been trending on the cryptocurrency Reddit.
The coin was covered by financial media ranging from Nasdaq.com to Yahoo Finance. Investors who are interested have been following its crypto Telegram group.
Investors may contact the team and developers of all major altcoins via the Telegram community. The CEO of Lucky Block frequently hosts followers-only AMA (ask me anything) events on TG.
Additionally, there is a second one-way channel for news regarding Lucky Block NFTs and a separate chat group for Lucky Block support; the latter is a better place to seek for assistance because the main group, which has over 44k members, has a lot of posts.
For the most recent news and tutorials, including instructions on how to connect to NFT Launchpad via Metalmark, check the pinned messages. Like pinned tweets on Twitter, ICOspeaks news messages can be pinned.
Predict Prices with Accuracy
They publish trade setups and predict prices with accuracy for both high-volume altcoins and the majors. The official group should always be followed because there are a lot of phonies on Telegram with identical handles. They offer a VIP Telegram as a premium service in addition to a free crypto Telegram channel. A curated list covering all cryptocurrency websites on the internet covers the most recent cryptocurrency news developments that may have an impact on the market. So, he ranks among the top Crypto Telegram channels in our opinion.
The most recent link, for instance, reads “SEC accepts Teucrium Bitcoin Futures fund.” was a reference to remarks made on cryptocurrency and stable coins by Treasury Secretary Janet Yellen.
There are several crypto-focused Telegram news channels, but after following Unfolded for a time, we found it to be one of the greatest sources for headline-relevant crypto news alerts on Telegram. One of the most well-liked crypto Telegram channels is his.
Check the @ handle matches after getting the link from the official website, Twitter account, first organic Google result, etc. Additionally, look at the number of followers, however even that can be fabricated using bot followers. Likewise, for cryptocurrency-related Twitter profiles.
Never respond to DMs from admins since they will never offer to trade for you, inform you of a special promotion, or inform you of a crypto airdrop. They would just make a post about it in the group and respond to your inquiries there (scammers are more likely to target you if you ask a question). Their @ account will be slightly different, but they’ll use the same profile picture and name as the official organization. They alone are special.
As some Telegram groups are blocked and hidden if downloaded from the App Store, we also advise downloading Telegram through the official website. Apple occasionally bans cryptocurrency material.
Telegram can also be viewed online without being downloaded to a computer or mobile device. Once you sign up for a Telegram account, change the settings so that nobody else may message you and that only your contacts can see your phone number. The greatest crypto Telegram groups, like Lucky Block and Crypto Signals, are then easily accessible to you.
Knowing How to Buy Energy
In today’s unstable economic environment, organizations of all sizes are looking for ways to control and reduce costs for specialized tasks and noncore services, like cleaning, landscaping, and energy.
Many businesses might be losing out on energy savings opportunities.
Twenty-five years ago, if you didn’t like the prices your local utility was charging for electricity and natural gas, you might have had no other options.
Many U.S. states and Canadian provinces now have energy market structures that encourage electricity and natural gas retail competition due to the deregulation of the energy sector. This implies that there may be other options besides your local utility.
In contrast to the local utility, most retail energy suppliers in deregulated energy markets provide a wide range of options, including fixed pricing, index pricing, and energy efficiency and management strategies.
Energy purchasing merits your attention because it makes up about 30% or more of the annual operating budget of a typical office building.
Businesses of all sizes now have the option to manage their energy budgets by selecting from a wide range of suppliers, thanks to energy deregulation.
Looking for an energy provider can be overwhelming, but you don’t have to go it alone.
You can learn about energy strategies from various sources like this found in https://businessenergycomparison.com/ and assess which suppliers will use the best energy sources and services to meet your needs and stay within your budget.
If your company operates in a deregulated energy market, you can use your energy strategy to cut costs, improve operations, and generate new revenue. It’s time to decide what your energy strategy should include and to find out what essential qualities to look for in a supplier.
What kinds of commercial energy contracts are available?
Gas and electricity providers offer different types of contracts. To avoid overpaying for energy, you must ensure you’re on the right one.
There are five primary commercial energy contracts on the market:
Fixed Rate: This does not resolve your monthly payment total, which will change depending on how much you use. For the duration of the contract, a fixed price per unit (kWh) is charged.
Variable rate: Unit rates are based on market activity, so that they could change for your contract.
Deemed rate: You will be put on one of these rolling, out-of-contract tariffs and must pay your supplier’s highest rates if you let your current tariff expire without switching suppliers or negotiating a new deal.
A 28-day contract is available for companies that have not switched energy providers since the deregulated market.
A rollover contract is used when no alternate has been reached before the end of your current agreement.
The prices are among the highest offered by the supplier.
What occurs when your commercial energy contract expires?
You must compare business utilities and switch to a better deal before your commercial energy contract expires; otherwise, you’ll have an expensive out-of-contract rate.
If you are unsure of when your current contract will expire, don’t worry. Your supplier will keep in touch when the renewal window opens with an offer of a new contract. But, please don’t accept any offer until you have compared it to other agreements on the market.
Your old provider will send you a final bill and request a final meter reading if you choose to switch service providers to ensure that the account is accurate.
You will also have a deadline for paying this last bill.
Depending on your circumstances and supplier, you may be on a rollover over the contract or deemed rates if you haven’t negotiated a new deal.
How much energy ought your company to be consuming?
The first step in shopping in a deregulated energy market is to decide whether you are looking for electricity, natural gas, or a combination of these.
To streamline energy management and maximize potential savings through a tailored strategy, choosing a supplier who can meet all your energy needs is effective if you are considering many options.
It would help if you also considered how important it is for your company to use renewable energy.
This topic is becoming more critical, especially for businesses that cater to consumers, academic institutions, and companies that want to show that they care about the environment.
How to contrast prices and choose a better offer
One quick phone call to our energy experts is all it takes for us to compare and then enter the energy market to find a deal that’s right for your business. MoneySuperMarket eliminates the hassle of comparing commercial energy contracts, rather than you calling around every supplier to find a great deal on gas and electricity.
Once we have more information about your company’s energy requirements, we can search the entire energy market for a deal that will work best for you.
It helps if you can let us know the following so that we can publish more accurate quotes:
- Your current gas and electricity suppliers’ name.
- Your tariffs’ name and end dates
- What you supply
- How much electricity and gas your company uses
Once you’ve selected the offer that best suits your company, we’ll set up your new contracts with your new suppliers. We can then provide you with several quotes from various suppliers.
There shouldn’t be any disruption to your electricity supply, not even on the switchover day. Your new supplier will figure this out with your current supplier and let you know the switching date. The switch should take about six weeks.
There won’t need to be any drilling or digging at your place of business because gas and electricity will pass through the already-existing pipes and cables.
Take a final meter reading on your old supplier so they can send you your final bill and collect any money you may still owe them after the switch is complete.
Energy providers should provide extra services besides energy procurement that can aid you in achieving your objectives.
Businesses looking to reduce their electricity costs might want to think about a load management program like demand response, which is made to help reduce grid demand during peak hours.
Demand response benefits your company’s resolve to reduce energy use during times of high demand and when the program administrator or local utility requests it.
Participating businesses may receive more payments when they are asked to reduce consumption. Depending on the program rules, participating companies are compensated quarterly or monthly for agreeing to reduce consumption by a certain amount.
You can frequently get help from a reliable energy provider with the preparation and implementation of your participation in demand response programs.
They can assist you in determining whether your company satisfies the program’s requirements and get ready to scale back if necessary so you can take advantage of the program’s potential financial rewards.
In addition to financial gains, you might also be able to reduce your overall energy consumption and reduce your energy costs.
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