Articles & guides
Guides, tips, and plain-English explainers about the Android apps we publish — written to be practical and easy to follow.
Why Student Finance Is Paid Straight to the Institution Instead of to You
Education finance is usually paid directly into the fee account of the university, college or supplier because the credit was approved for…
Deleted a Photo by Mistake? What to Do in the First Few Minutes on Android
The first move is to stop writing anything new to the affected storage: take no photos or video, pause downloads and syncing, and remove…
The Total Cost of Credit: How to Compare Two Loan Offers on One Number
The total cost of credit is everything a loan takes out of your pocket: the instalment multiplied by the number of instalments, plus every…
How to Ask for a Loan Rescheduling or Repayment Assistance in Malaysia, and What to Prepare
You ask early, in writing, and with figures: a short explanation of what changed, evidence of your current income, a list of every debt and…
Income-Based Student Funding: How Paying a Percentage of Your Salary Differs From a Loan
Income-based student funding replaces a fixed instalment with a percentage of what you earn once you are working above an income threshold…
Loan App Permissions That Signal Data Harvesting, and What They Cost You
Four requests separate a lender from a data harvester: your contact list, your photo gallery, your SMS inbox and the list of apps installed…
What Student Finance Covers in South Africa, and What It Does Not
Education finance in South Africa is normally approved against named, invoiced study costs: tuition and registration fees, accommodation…
The Price of Speed: Why Fast Cash Loans in Malaysia Cost More, and How to Measure It
Fast money is priced money: a lender that decides in minutes verifies less, carries more risk and charges for both, so the same sum over…
What a Legal Moneylending Agreement in Malaysia Must Contain
A moneylending agreement in Malaysia must be in writing in the form prescribed under the Moneylenders Act 1951, signed by both parties and…
How Study Loan Payments Work While the Student Is Still Studying
On a South African bank study loan you normally pay the interest every month while the student is still studying, which keeps the balance…
Parent as Applicant or Surety on a South African Study Loan: What You Are Signing
On most South African study loans the parent, guardian or sponsor is the legal borrower or stands surety, which means the debt sits on…
What Photo Recovery Can Realistically Get Back on Android, and What Is Gone for Good
On an unrooted Android phone, recovery means finding files that still exist somewhere on the storage: trashed items, hidden folders, app…