3 Cara Apply Kartu Kredit BNI

Cara apply kartu kredit BNI bukan lagi sesuatu hal yang sulit untuk dilaksanakan. Hal ini dikarenakan kartu kredit bukan lagi menjadi hal yang asing di berbagai kalangan masyarakat saat ini. Bagi sebagian orang menganggapnya sebagai penyelamat, terutama ketika waktu mendesak. Namun sebagian lainnya merasa terbebani ketika sudah memilikinya. Terlebih saat akan melakukan tutup rekening kartu kredit. Seakan-akan prosesnya dipersulit oleh pusat. Meskipun demikian, kartu kredit tetap dijadikan pilihan mereka. Walaupun cara apply kartu kredit BNI tidak sulit, tapi beberapa tips berikut perlu diperhatikan dalam proses pembuatannya.

Cara Apply Kartu Kredit BNICara Apply Kartu Kredit BNI

Daftar Isi []

Tips Cara Apply Kartu Kredit BNI

Saran-saran berikut ini patut kamu perhatikan agar cara apply kartu kredit BNI-mu menjadi lebih mudah.

1.   Persiapan

Pada dasarnya banyak hal yang harus dipersiapkan saat akan mempraktekan cara apply kartu kredit. Bukan hanya sekedar mempersiapkan dan melengkapi berbagai persyaratan agar permohonan pembuatan kartu kredit dapat diloloskan dengan mudah. Hal mendasar yang seharusnya kamu persiapkan sebelum melangkah pada cara apply kartu kredit BNI adalah dirimu sendiri. Yang dimaksud mempersiapkan dirimu adalah dengan menyiapkan mental, ilmu, dan keuanganmu.

2.   Pelaksanaan

Pada saat proses pembuatan kartu kredit, isilah setiap kolom dengan jawaban yang benar. Bacalah dan pahamilah secara seksama setiap butir informasi yang disampaikan di dalamnya. Pahamilah maksud dari setiap informasi tersebut agar tidak terjadi kesalah pahaman untuk kedepannya.

3.   Pasca

Setelah kartu kredit siap digunakan, gunakanlah ia dengan bijak. Jika diperlukan, kamu bisa mencatat total pengeluaran yang kamu gunakan melalui kartu kredit tersebut. Pencatatan pengeluaran pada buku catatan pribadimu akan membuatmu ingat berapa jumlah yang harus kamu bayarkan. Ingatlah, bahwa setiap kartu kredit memiliki kebijakan terkait pembayarannya sendiri-sendiri. Maka dari itu, perhatikan pula besaran biaya tambahan yang dibebankan kepadamu oleh pihak penerbit kartu kredit. Bayarkanlah tagihan itu tepat pada waktunya karena hal ini akan mempengaruhi rekam jejakmu.

Baca Juga : Cara Apply Kartu Kredit BCA

Cara Apply Kartu Kredit BNI

Cara Apply Kartu Kredit BNI dapat dilakukan dengan tiga cara. Ketiga cara yang dimaksud yaitu cara Apply Kartu Kredit BNI online, cara Apply Kartu Kredit BNI via mobile banking, dan cara Apply Kartu Kredit BNI offline.

1.   Cara Apply Kartu Kredit BNI Online

Cara apply kartu kredit BNI online cukup dilakukan dengan membuka situs resminya lalu mengikuti setiap tahapan didalamnya. Untuk lebih rincinya dapat kamu simak uraiannya berikut ini.

  1. Periapkanlah jaringan internet yang stabil dan perangkat yang mendukung. Apabila sekiranya gadget milikmu sering mengalami kendala saat upload dokumen, maka gunakanlah gadget yang lain. Cara apply kartu kredit BNI online membutuhkan jaringan internet yang stabil dan gadget yang mendukung agar kamu bisa mengakses info secara cepat dan menyeluruh. Dengan akses yang tidak terkendala ini maka kamu bisa membaca dan memahami setiap poinnya dengan lebih seksama.
  2. Telusurilah situs resmi untuk apply kartu kredit BNI di applykartukredit.bni.co.id
  3. Pada menu Apply Kartu Kredit, pilih dan kliklah ia. Akan tetapi, sebelum memilihnya pastikan bahwa seluruh kebutuhan dokumen yang akan diminta sudah kamu sediakan dengan baik dan benar. Upayakan agar setiap dokumen foto tersebut memberikan hasil jepretan yang clear. Sehingga informasi yang terkandung di dalamnya dapat dibaca dengan jelas. Dat yang perlu dipersiapan yaitu foto identitas diri, bukti slip penghasilan, fotokopi akte pendirian/SIUP/TDP bagi pengusaha, NPWP, dan nasabah emerald bagi pemohon untuk jenis kartu kredit BNI Visa Infinite.
  4. Kliklah menu Ok pada laman Disclaimer. Lalu ikutilah setiap arahan yang ada dan isikanlah setiap informasi sesuai kolom yang disediakan. Pastikanlah setiap pertanyaan dijawab dengan jawapan yang tepat. Setelah selesai mengisinnya, cek kembali informasi yang telah kamu isikan dan setiap poin yang disampiakan oleh calon bank penerbit kartu kredit.
  5. Ikutilah setiap arahan yang diberikan sampai semua tahapan dilaksanakan dan dinyatakan selesai.
  6. Tunggulah beberapa waktu sampai petugas dari bank penerbit memberimu kabar. Mereka akan mengabarimu dan melakukan verifikasi data dengan cara menghubungimu dan pihak-pihak terkait yang nomor teleponnya kamu cantumkan saat mengisi formulir pendaftaran. Setelah pihak bank penerbit menelusuri seluruh informasi tentangmu dan menyatakan kamu layak untuk di loloskan permohonan pembuatan kartu kredit, maka kamu akan mendapatkan kabar tentang keputusan tersebut dari pihak bank penerbit.

2.   Cara Apply Kartu Kredit BNI Via Mobile Banking

Cara apply kartu kredit BNI via mobile banking sebenarnya sama saja seperti cara apply kartu kredit BNI online. Hanya saja, ketika kamu memilih apply menggunakan mobile banking, maka kamu harus mengunduh aplikasi resminya. Sedangkan pada cara apply kartu kredit BNI online, kamu harus mengunjungi situs resminya terlebih dahulu. Supaya ada gambaran yang lebih jelas tentang bagaimana cara apply kartu kredit BNI via mobile banking, kamu bisa mengikuti langkah berikut.

Aplikasi Prediksi Harga Saham Menggunakan Metode Simple Moving Averages Pada Bursa Efek ...

  1. Unduhlah aplikasi BNI Mobile Banking di playstore.
  2. Lakukanlah proses login dengan cara mengisikan User Id dan MPIN
  3. Pada halaman beranda akan muncul beberapara ikon yang dilengkapi dengan nama dari ikon tersebut. Pilihlah ikon yang dinamai dengan dengan My Credit Card.
  4. Lalu kliklah menu Apply Now.
  5. Tunggulah beberapa saat, ikutilah dan lakukanlah setiap arahan yang diberikan. Setelah semua data sudah dilengkapi maka Bank BNI akan memproses datamu dan melakukan verifikasi.
  6. Tunggulah notifikasi dari Bank BNI, apakah permohonanmu dikabulkan atau tidak.

3. Cara Apply Kartu Kredit BNI Offline

Berbeda dari kedua cara sebelumnya, cara apply kartu kredit BNI offline justru tidak memintamu untuk mengunjungni situs resminya ataupun mengunduh aplikasi resminya. Kamu cukup menyiapkan seluruh persyaratan sebagaimana yang disebutkan di penjelasan sebelumnya. Lalu kamu hanya perlu mendatangi Kantor Bank BNI terdekat dengan membawa seluruh persyaratan tersebut. Sesampainya di sana kamu cukup mengambil nomor antrian dan menunggu beberapa saat sampai nomormu dipanggil.

Jika kamu masih bingung untuk mengambil nomor antrian yang mana, kamu bisa bertanya kepada petugas keamanan yang bertugas. Biasanya ada satpam yang akan menyambutmu di depan pintu masuk. Mereka akan membantumu dan mengarahkanmu jika kamu memiliki kebingungan atau kesuliltan lainnya. Setelah nomor antrianmu mendapat giliran, kamu hanya perlu menyampaikan keinginanmu untuk membuat kartu kredit kepada customer service. Mereka akan menjelaskan dan memandumu tahap demi tahapnya.

Kesimpulan

Cara Apply Kartu Kredit BNI dapat dilakukan melalui online maupun offline. Setiap cara akan memiliki kelebihan dan kekurangan. Pilihlah cara yang sekiranya paling sesuai dengan kondisimu. Jika kamu sudah memiliki pemaham yang cukup maka kamu tidak perlu apply secara offline. Apply secara offline biasanya dilakukan agar calon nasabah mendapat penjelasan secara detail dari petugas.

Jessica Alba and Honor, 12, look identical in matching sweatsuits

She’s created an empire with The Honest Company brand.

And Jessica Alba brought her oldest daughter Honor along to run errands in on Wednesday afternoon.

The 39-year-old actress looked nearly identical to her 12-year-old as the pair pounded the pavement in matching sweatsuits. 

Out and about: Jessica Alba brought her oldest daughter Honor along to run errands in Los Angeles on Wednesday afternoon

Out and about: Jessica Alba brought her oldest daughter Honor along to run errands in Los Angeles on Wednesday afternoon

Jessica was ready for business as she took long strides through a parking lot wearing a faded orange set.

A crewneck sweater kept her warm in the brisk Southern California fall weather, which she teamed with matching sweats.

She added another pop of color with a grey bag slouched across her shoulder and rocked a pair of pink and white trainers.

Mom and Me: The 39-year-old actress looked nearly identical to her 12-year-old as the pair pounded the pavement in matching sweatsuits

Mom and Me: The 39-year-old actress looked nearly identical to her 12-year-old as the pair pounded the pavement in matching sweatsuits

Honor followed a similar muted color palette wearing a grey set with blush hued Adidas sneakers.

While Jessica kept her face covering wrapped around her neck, her eldest daughter sported an olive green mask.

Alba regularly keeps fans updated about personal and professional projects through her YouTube channel.

Family first: Alba regularly keeps fans updated about personal and professional projects through her YouTube channel

Family first: Alba regularly keeps fans updated about personal and professional projects through her YouTube channel

Good times: She recently shared a teacher appreciation basket tutorial with Honor to celebrate the educators in their lives

Good times: She recently shared a teacher appreciation basket tutorial with Honor to celebrate the educators in their lives 

She recently shared a teacher appreciation basket tutorial with Honor to celebrate the educators in their lives.

Alba launched The Honest Company in 2012 and sells a range of household goods, diapers, body care and beauty products.

The ethically-sourced and eco-friendly company has exploded in popularity through the years and is estimated to be worth more than $1 billion. 

Jessica has been married to husband Cash Warren for 12 years and the couple have three children: Honor, Haven, nine, pts terbaik sumatera and Hayes, three. 

Entrepreneur: Alba launched The Honest Company in 2012 and sells a range of household goods, diapers, body care and beauty products

Entrepreneur: Alba launched The Honest Company in 2012 and sells a range of household goods, diapers, body care and beauty products

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Judge blocks TikTok ban as negotiations with US continue

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TikTok logo

The Trump administration has put a target on TikTok.

Angela Lang/CNET

A federal judge on Monday blocked a ban of , a move that comes as the Chinese owner of the short-form video app works to finalize a sale of its US operations that satisfies the US government.

District Judge Carl Nichols said the government had “” its authority in pushing to ban the app. The order prevents the Commerce Department from prohibiting internet hosting companies, content delivery networks and other services from working with TikTok.

The injunction is the latest twist in a saga that started in August when President Donald Trump signed two executive orders aimed at TikTok. One with TikTok, while the other required the sale of the US business. A Friday deadline for that sale expired without an extension though negotiations have continued.

ByteDance has struck a preliminary deal with software company  and retail giant , but the agreement still needs to be finalized. The Committee on Foreign Investment in the United States, which reviews foreign acquisitions for national risks, has given ByteDance two extensions of the initial Nov. 12 deadline. 

The Commerce Department said it will comply with the injunction but intends to “vigorously defend” Trump’s executive order, noting that it “promotes national security interests.” TikTok said it was “pleased” with the judge’s order.

The Trump administration is pushing for the sale because of concerns the data TikTok collects could “allow the Chinese Communist Party access to Americans’ personal and proprietary information.” The ban of the app has been blocked on two other occasions, including an October decision by a US district judge in Pennsylvania. 

Here’s what you need to know:

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TikTok-Oracle deal approved, temporary block on WeChat…

1:36

What’s in the deal between TikTok, Oracle and Walmart?

Oracle and Walmart would get stake in a new company called TikTok Global, which is expected to go public in the next year. Four of the five members on TikTok Global’s board of directors will be American.

Oracle will host all US user data on its cloud platform and be tasked with “securing associated computer systems,” TikTok said in a statement.

“We are a hundred percent confident in our ability to deliver a highly secure environment to TikTok and ensure data privacy to TikTok’s American users, and users throughout the world,” Oracle CEO Safra Catz said in a .

TikTok Global also plans to create 25,000 US jobs as part of an expansion of its global headquarters, which will remain in the US. TikTok Global will pay more than $5 billion in new tax dollars to the US Treasury, according to . It will also create an educational program to “develop and deliver an AI-driven online video curriculum” that includes courses in math, reading, science, history and computer engineering for children.

Does that mean ByteDance owns 80% of TikTok Global?

There’s confusion over how big a role ByteDance would play in TikTok Global. ByteDance says that it will have an 80% stake in TikTok Global before the new company goes public. 

But Ken Glueck, Oracle executive vice president, said in a statement that “upon creation of TikTok Global, Oracle/Walmart will make their investment and the TikTok Global shares will be distributed to their owners, Americans will be the majority and ByteDance will have no ownership in TikTok Global.”

A person familiar with the deal told that ByteDance wouldn’t technically be an owner of TikTok Global because the shares would be given to ByteDance investors. About 40% of ByteDance is owned by US venture capital firms. 

Meanwhile, a group of Republican US lawmakers has urged Trump to reject the deal if ByteDance still has control over TikTok’s US operations, data and algorithms. Trump has signaled that he wouldn’t approve a deal if Walmart and Oracle didn’t have most of the control over TikTok Global.

“They are going to own the controlling interest. Everything is going to be moved into a cloud done by Oracle … and it’s going to be totally controlled by Oracle,” he told Fox News. “If we find that they don’t have total control, then we’re not going to approve the deal.”

Why does Walmart want a stake in TikTok?

TikTok has been experimenting with e-commerce features. Last year, the company started allowing some users to add links to e-commerce sites so people can buy products that are shown in videos. 

Walmart said it will “bring its omnichannel retail capabilities including its Walmart.com assortment, eCommerce marketplace, fulfillment, payment and measurement-as-a-service advertising service” to TikTok.

Does the Chinese government approve of the TikTok-Oracle deal?

China reportedly but the current deal structure isn’t a full divestment. Still, there are signs that Beijing isn’t fully comfortable with the proposal. 

“Based on what I know, Beijing won’t approve current agreement between ByteDance, TikTok’s parent company, and Oracle, Walmart, because the agreement would endanger China’s national security, interests and dignity,” tweeted Hu Xijin, editor-in-chief of the Global Times. The tabloid is backed by China’s Communist Party. 

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In August, China issued new restrictions on artificial intelligence technology exports, a move that delayed the TikTok deal. Under the current proposal, ByteDance won’t be transferring its algorithm and technology to Oracle, which might satisfy Chinese regulators.

What comes next?

The legal battle is hardly over. TikTok has pending against the Trump administration to block the potential ban. While federal judges have blocked the ban from happening, the US government is appealing.

CNET’s Steven Musil contributed to this report.

Selena Gomez goes from makeup-free to glammed-up in a new tutorial

is not letting a pandemic hamper her beauty routine.

On Thursday, the Lose You To Love Me singer made a post to her Instagram account to promote a video showing her foundation routine, which was posted to Rare Beauty’s YouTube channel on Tuesday.  

The siren went from makeup-free to fully glammed with hot pink lips. 

An inside look: Selena Gomez posted a tutorial video to her cosmetic company Rare Beauty's YouTube channel on Tuesday

An inside look: Selena Gomez posted a tutorial video to her cosmetic company Rare Beauty’s YouTube channel on Tuesday

Gomez begins the video by opining that she has developed her foundation routine over time, stating that: ‘I think I’m slowly starting to get my system…you kind of have to work with something to come up with a routine that best suits you.’

In the video, she can be seen sitting at a desk in her bedroom wearing a simple blue graphic t-shirt with her hair tied back in a bun; she accessorized with two gold hoop earrings. 

The Hands To Myself singer began her routine by spraying her line’s own 4-in-1 Mist lightly over her face before applying multiple touches of Liquid Touch Weightless Foundation around her cheekbones, forehead, and jawline.

Afterwards, she applied a clear lip moisturizer, noting: ‘It goes on like butter.’ 

Tips from a pro: The Same Old Love singer explained her foundation routine in a step-by-step process for her fans

Tips from a pro: The Same Old Love singer explained her foundation routine in a step-by-step process for her fans

The next step in her routine involved Rare Beauty’s Liquid Touch Brightening Concealer, which she applied around her eyes, around her nose and chin, and in between her eyebrows. 

While applying the concealer, Gomez’s furry pals could be heard having some fun in the background, to which she noted, ‘And here is my farmhouse of three dogs.’

The Good For You singer then moved on to utilizing her line’s Grace Liquid Blush, which she had a particular affinity for, kampus terbaik Di Lampung stating that: ‘It’s one of my favorites because it’s not overpowering, it seems to be a really warm color.’

Showing them off: Gomez only utilized products from Rare Beauty, including the Positive Light Liquid Luminizer in Enchant

Showing them off: Gomez only utilized products from Rare Beauty, including the Positive Light Liquid Luminizer in Enchant

Afterwards, Gomez opted to use the Positive Light Liquid Luminizer, and made a point of explaining to her fans that she utilized two separate brushes during her routine, one for blush and another for foundation.

The Spring Breakers actress opted to finish her routine with her company’s Ascend Matte Lip Cream, but not before making sure her eyebrows were taken care of.  

With that, she headed out to go about her day, signing off with a concise message: ‘right-y…off we go.’ 

The singer first launched the cosmetics line in September, and a percentage of the brand’s sales are set to be donated to the Rare Impact Fund, which will uplift the state of mental health services in low-income communities.

Finishing it off: The last step in the singer's routine was to apply a matte lip color to accentuate the other components of her foundation

Finishing it off: The last step in the singer’s routine was to apply a matte lip color to accentuate the other components of her foundation

Making an impact: Part of the sales from Rare Beauty will be donated to a fund dedicated to improving mental health services in undeserved communities

Making an impact: Part of the sales from Rare Beauty will be donated to a fund dedicated to improving mental health services in undeserved communities

Kris Jenner to reveal her Christmas decor tips via Airbnb experience

This year everyone can celebrate Kardashian-style.

That’s because is conducting an Airbnb ‘Online Experience’ in which she’ll share her personal holiday styling hacks and inspiration.

And she’ll be doing so with the help of famed artistic director of the Four Seasons Hotel George V, Paris – .

Kris Jenner is conducting an Airbnb ‘Online Experience' in which she'll share her personal holiday styling hacks and inspiration

Kris Jenner is conducting an Airbnb ‘Online Experience’ in which she’ll share her personal holiday styling hacks and inspiration

Airbnb says that their tutorial will include ‘over-the-top arrangements’ and the art of ‘understated charm’.

It adds: ‘Join the Queen of Kris-mas and learn how to build a design theme and create a joyful holiday space that truly sparkles.’

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Now there are hundreds.

Travel-themed experiences include (Tromsø, Norway); (Paris, France); (Mexico City, Mexico) and (Buenos Aires, Argentina).

For animal lovers there’s (Rotorua, New Zealand); (Sonoma, kampus terbaik di lampung CA, United States); (Thurgarton , UK), and (Warrington, UK).

For food and fitness fans there’s (Los Angeles, CA, United States); (Ljubljana, Slovenia); (Otago, New Zealand), and with Kat Copeland (England, UK).

For families, meanwhile, there’s (Rovaniemi, Finland); (Berlin, Germany);(Sykesville, M

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    Nine ways to waste time

    Banana bread?Baked. Jisgaws? Completed. Now, says Stuart Heritage, we’re taking the art of doing nothing to new heights

    Scrolling through Rightmove

    If lockdown taught you anything, it’s that you dislike your homes.Maybe your living room is too narrow or the bathroom too poky. And this is why much of your free time is spent endlessly scrolling through property websites. Bonus points if you only look at homes you’ll never be able to afford.

    Watching bad television

    When your time was limited, you could cherry pick from the very best prestige dramas of the past two decades.This year, your lack of a social life has left you with a gaping hole of time and your TV standards have dropped. Now you spend days watching true crime documentaries about East End gangsters, reality shows on vacuous property barons or pts terbaik sumatera daytime TV about traffic police on a stretch of the A376.

    Day trading

    True story: two members of my family downloaded trading apps to their phone and now spend their days fretting over minuscule fluctuations in the electric vehicle market.They don’t seem to be very good at it because they haven’t made any money but the main thing is they now get to lecture me for hours about potentially lucrative innovations in the battery construction industry. So that’s something.

    Marie Kondo-ing your house…

    Now that you’ve realised you can’t afford to move home, your best option is to declutter the one you already have.And the best way to do this is to follow the Marie Kondo mantra and meticulously rid yourself of any possessions that no longer spark joy. It’s a cleansing, healing, spiritual way to re-evaluate your relationship with your surroundings, and you’ll end up with a beautifully minimalist home as a result.

    …then visiting charity shops

    However, have you SEEN Barnardo’s lately?

    It turns out that everyone has been Marie Kondo-ing the bejesus out of their homes and the result is loads of incredible bargains. Now you’ve had that clearout, maybe you’ve finally got room for a dresser. Or that two-seater sofa. And maybe if you move things around a bit, you can squeeze that upright piano you saw for £65 into the spare bedroom.

    Before you know it, your home will be even more cluttered than ever and you’ll need to Marie Kondo it again. A perfect circle of time-wasting.

    Watching YouTube tutorials

    YouTube is an incredible library of human knowledge, and never more than when you fancy a bit of DIY.Sink blocked? Watch a YouTube tutorial. Wobbly cupboard door? Watch a YouTube tutorial. Decide that you’re going to dig up your entire garden and replace it with a more ecologically sound tapestry lawn? Watch a YouTube tutorial. That way, when you inevitably mess it up and need to call in a professional, at least you’ll be able to understand some of the terms they use.

    Talking to plants

    It started awkwardly.

    You heard that talking to plants made them grow better, so you started reading to your yucca under quarantine. After that, you told it your daily schedule. Then you really let loose, explaining all your problems in an unbroken stream of thought that lasted into the early hours.

    That yucca is your best friend now. You’ve changed your will so that it gets everything when you die.

    Stalking your exes online

    Obviously you didn’t mean to do this.

    But you were on Facebook one day and one of your exes was listed as a friend suggestion. So you innocently clicked on their profile and saw them smiling, content – and married. ‘Good for them’, you thought, as you continued to scroll. You laughed at their status updates.

    You cried at the picture of them holding their first child. Hours passed. It started to feel like the old times. Then you accidentally clicked ‘like’ on a decade-old photo and, long story short, you have to live under an assumed identity now.

    Hating the bored

    Maybe you’re the parent of small children, with a full-time job, and you’ve spent this year ablaze with unthinkable stress.You haven’t had time to be bored; you’re running around tidying up, fielding requests for snacks and trying to maintain some level of literacy while cramming all your professional commitments into sporadic bursts of high-pressured panic. If so, I recommend a simmering resentment for anyone with too much free time.

    The best online photo book services of 2021

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    My mom has a cabinet full of photo albums curated from years of vacations, birthday parties and family events. While the days of dropping off film canisters at a 24-hour photo counter and carefully arranging the prints in a physical photo album may be in the past thanks to the digital era, I find there’s still no replacement for actually holding those family photos in a photography book on my lap. 

    <p class="speakableText in a gorgeous glossy photo album.

    gettyimages-88181660

    Putting a custom photo book together can be a relaxing hobby to take up.

    Vlad Fishman/Getty Images

    A number of reputable options from photo book services are available online to help you build a photo book project that can be mailed right to your door. The CDC and the WHO say it’s , but if you’re nervous about getting a printed book, you can also just save your project and order your photo album later. 

    We tested a few of the best photo books services to see how easy they are to work with, though we haven’t actually gotten any books made yet, so we can’t compare the quality of the final products.  Here are the best photo book services to check out online.

    Read more: 

    Shutterfly/Screenshot by Shelby Brown/CNET

    Shutterfly is one of the better known digital photo book service options. The site can help you assemble a photo book with over a dozen occasion templates and book sizes, or with tutorials and ideas if you want to start entirely from scratch. You can also choose Shutterfly’s Simple Path, which uses the site’s software to instantly lay out your photos — you need only rearrange them if you like, and decorate and add captions with this editing tool. Basically, you’ll have a personalized photo coffee table book in no time.

    You can add print quality photography from your computer, or photos already uploaded to Shutterfly, Facebook or Instagram. You can also use stock photos from Shutterfly’s Art Library. Any photo you upload has to be in JPEG format. The website doesn’t take long to learn to navigate, even if you aren’t very digitally savvy. If you need a bit of inspiration, you can click Idea Pages for some premade templates. 

    How much it costs: Without the sales tax, an 8- by 11-inch 20-page hardcover photo book would cost about $40 before shipping and tax. , so you should be on the lookout for promo codes to apply to your personalized photo book purchase to save some money. If you add or delete something from your project, Shutterfly will tell you that the price of your project has changed.

    Mixbook/Screenshot by Shelby Brown/CNET

    minimalist layout makes it very easy to use. The site has dozens of fun photo book themes — family, seasonal, wedding, travel, baby — and more specific designs in each category, perfect for a photo gift. There’s also the option to put a book together from scratch.

    Mixbook lets you upload print-quality photos from your computer, phone, Facebook, Instagram or Smugmug or use the photos you’ve already uploaded to the site. 

    I used Mixbook to organize my wedding photos a few years after the fact. It was easy to add and edit photos, text, extra pages and embellishments to the template I chose. You can swap themes at any time, but from what I can tell, you have to change the pages manually, though the photos will transfer over.

    You can be as creative as you want to be and veer away from the template as you like — or stick with it. As you build your book, you can click Preview to see how the final product will look along the way. When you’re satisfied with your book, click Order to finalize the photo book size, page and cover finish. 

    How much it costs: Mixbook offers a lot of customization options that can affect your final price. Photo books can be ordered in landscape, portrait or square shape in 6- by 6-inch, 8.5- by 8.5-inch, 10- by 10-inch and 12- by 12-inch sizes. Mixbook offers four different page finishes and five different cover option styles. The combination you choose, and any extra pages, will determine your price. 

    Choosing the regular semigloss page finish and a softcover can help keep . Designing a larger book with more bells and whistles like hardcover matte or leather with a dust jacket will raise the final price. For example, my 8.5- by 8.5-inch 39-page hardcover wedding photo book came to about $30 with a discount code, before tax and shipping.

    Snapfish/Screenshot by Shelby Brown/CNET

    makes uploading photos to make an album super easy by organizing all of your uploads into a file. From there, you can let Snapfish autofill your photo book or add your images manually. Snapfish had a similar photo editing user interface to Mixbook, but was more sensitive about image resolution. For example, on both sites if an uploaded image’s resolution is too low, it’s flagged with a little exclamation mark. Some of the photos that were OK for Mixbook didn’t pass Snapfish’s resolution requirements. 

    Snapfish had dozens of templates and themes like Summer Snapshots, Grad Nostalgia, Family Farmhouse, Storybook Love and Moments with Mom. If you picked a template to start with, you can still swap pages for other backgrounds or change the book theme entirely. Some of the embellishments with certain templates had drop-shadows for each photo that made them feel more like traditional scrapbook pieces. 

    How much it costs: When you’re finished with your project, click Review and Buy to place your order. For an 8- by 11-inch hardcover 20-page photobook, Snapfish charged $40. The site also offered to print nine 4- by 6-inch glossy prints from the album for 9 cents each. 

    Walmart/Screenshot by Shelby Brown/CNET

    Get started on your photo book by making an account on . You can customize your photograph book’s size, from 5 by 7 inches all the way up to 12 by 12 inches, as well as the cover type, binding and how fast you want it delivered. Since I already had the photos available, I tested out Walmart’s All That Glitters wedding album template. You can swap templates at any time, but the photos you’ve placed won’t transfer, and you’ll need to put them back into the new layout.

    Walmart lets you upload digital photography from your computer, Facebook, Instagram, Flickr, Dropbox and Google Photos, but the site will only hold onto the photos for one year. After dropping a photo in, click it to start the editing process if you want to make adjustments. However, Walmart provides fewer photo editing options — a black-and-white or a sepia filter, the ability to crop, zoom, tilt, brightness adjustment and red-eye elimination — compared to other websites.

    It was easy to drag and drop photos or swap layout pages in the template. One of the downsides to Walmart’s photo books though was the lack of embellishments. The program lets you add text, but “stickers,” like those on other sites, would’ve taken the design process up a level. 

    How much it costs: Once you’re finished with your project, click Next to review your photo book in a storyboard format before you order. There’s also an option to preview the entire book page by page if you want a more detailed review before ordering. You’ll get an alert if you left any slots blank, so don’t panic. Walmart’s option is also the least expensive of the bunch: An 8- by 11-inch 20-page hardcover photo book cost about $19 before shipping and tax. The store offers free shipping on orders over $35.

    Mailpix

    If you’re not keen on making an account and getting a slew of emails from a company, might be the way to go. With this photo book company, you can make a photobook as a guest, no account needed. 

    Mailpix offers premium ultra layflat, layflat, hardcover book and softcover photo book styles, ranging from 8-by-8 inches to 11-by-14 inches in size. The site recommends designing the book on a computer and using JPEG files. You can pick out styles for almost every occasion — birth celebrations, Mother’s and Father’s day, holidays like Christmas, Halloween and Hanukkah, birthdays and pets. 

    Choose a layout and upload your photos. You can change the page layout at any time and the photos you’ve added to that page will adapt (unlike with Walmart’s service). One thing I didn’t like about Mailpix was the red line that appeared around the page indicating that a section might be cropped out during printing. This made me a bit nervous — especially with embellishment-heavy pages, and I found myself distracted while I tried to imagine who my page would turn out.

    I experimented with a cute retro design that looked similar to something you might be able to recreate with real scrapbook materials. There was a nice diversity in page layouts, and the site warns you if a photo’s resolution is too low, so you can adjust. In addition, Mailpix updates your price total as you go along, so you’re not caught off-guard by the final price at checkout. 

    How much it costs: When you’re satisfied with your book, name it and choose how many copies you’d like to order. Select a cover style, add a photo if you’d like and pts terbaik sumatera check out. The prices for the book styles and amount of pages vary, like with the other sites — the fancier the book and more pages you add, the more expensive it gets. On Mailpix, every extra page cost $1.20.

    An 8-by-8-inch softcover book with 22 pages came $37.40 before tax and shipping — ground shipping is $9, but Mailpix had a spring sale going on and two promo codes available as well, which will lower your price a bit. 

    Google Photos/Screenshot by Shelby Brown/CNET

    Instead of uploading your photos into another app, you can create a photo book with less hassle with . In the Google Photos app, tap the For You tab (on my Pixel 3 phone, it’s at the bottom of the screen, but it also works on desktop) and then tap the Prints button. Tap Photo Books to get started with a hardcover 9- by 9-inch or a softcover 7- by 7-inch. Both books start at 20 pages and can go up to 100 pages.

    Google will give you a few premade albums based on your photos, like Best of Winter 2019, or you can build your own photo book by choosing an album you already made. There’s also the option to start from scratch and manually add all the photos by tapping Make Photo Book at the bottom of the screen.

    Google Photos is probably the most basic choice if you’re going to order a photo book. It offers a minimalist layout on white pages that you can add captions to. There aren’t embellishments like there are on Snapfish or Mixbook, but you can still make creative layouts with multiple photos. Hold down a page and drag it to rearrange or tap to edit. Google Photos still has editing options in its app for you to add filters before creating a book. 

    How much it costs: A hardcover 9- by 9-inch photo book costs $20 and 65 cents for each additional page. A softcover 7- by 7-inch photo book costs $10 and 35 cents for each additional page before shipping.

    Blurb/Screenshot by Shelby Brown/CNET

    Making a photo book with Blurb has a bit more steep of a learning curve than the rest of the services on this list. Blurb is aimed at the professional photographer wanting to showcase work and possibly sell it with a professional photo book. You can still use Blurb to make a photo book as a keepsake or a gift for a loved one, but you need to download the free Bookwright app extension to do it after making an account with the photo book service. You can also use programs like Adobe InDesign and Adobe Lightroom, but I would only recommend using these if you already pay for them. 

    To start your project after you’ve downloaded Bookwright, you can choose your book preferences (cover, size, page style). I used a from Blurb to get the hang of the program. At its bare bones, the program works like other photo-book creation sites. Import the photos you want, choose to auto-create the book or drag and drop the photos into the layouts you choose. You can also design your own layout and save it for future use. Clicking Manage Photos displays all your pages in a spread so you can rearrange as needed.

    When you’re finished with the project, you can click Upload to send to Blurb. You can purchase physical copies of your photo book and/or get a digital version in PDF format ($5 extra). If you’re ordering multiple copies (10 to 20+), Blurb has up to 40% discounts. You can also upload editions to sell by clicking Sell Your Book instead of Order Your Book after uploading it. 

    How much it costs: Blurb, like the other services, lets you customize your project to best fit your price range. The site default recommends a 20-page 10- by 8-inch landscape photo book with an image-wrap hardcover and premium luster paper for $41. Each additional page costs 35 cents. My test album was the cheapest combination: A 20-page 7- by 7-inch softcover with standard paper for $15. Each additional page was 20 cents.

    Arab Spring: the first smartphone revolution

    Egyptians use their mobile phones to record celebrations on February 12, 2011 in Cairo's Tahrir Square

    Egyptians use their mobile phones to record celebrations on February 12, 2011 in Cairo’s Tahrir Square

    Social media and smartphones briefly gave youthful Arab Spring protesters a technological edge that helped topple ageing dictatorships a decade ago as their revolutionary spirit went viral.

    Regimes across North Africa and the Middle East were caught flat-footed as the fervour of the popular uprisings spread at the speed of the internet via Facebook, YouTube and Twitter.

    Unfortunately for the pro-democracy movements, autocratic states have since caught up in the digital arms race, adding cyber surveillance, online censorship and troll armies to their arsenals.

    While the so-called Arab Spring offered a brief glimmer of hope for many, it ended with even more repressive regimes in most countries and devastating, ongoing wars in Syria, Libya and Yemen.

    "Facebook" is written with stones in Cairo's Tahrir Square on February 6, 2011, the epicenter of anti-regime protests

    “Facebook” is written with stones in Cairo’s Tahrir Square on February 6, 2011, the epicenter of anti-regime protests

    Nonetheless, say veterans of the period, the revolts mark a watershed moment when digital natives launched the era of “hashtag protests” from Occupy Wall Street to Hong Kong’s Umbrella protests and Black Lives Matter.

    Hyper-networked and largely leaderless, such protests flare up like flashmobs, making them harder for authorities to suppress, with grievances and demands decided not by committees but crowd-sourced online.

    “Blogs and social networks were not the trigger, but they supported the social movements,” said former Tunisian activist Sami Ben Gharbia, who ran a blog from exile and returned home amid the 2010 uprising.

    “They were a formidable weapon of communication.”

    The slogans of TV channel "Al-Jazeera" and social media giant "Facebook" are spray-painted at Cairo's Tahrir Square on February 7, 2011

    The slogans of TV channel “Al-Jazeera” and social media giant “Facebook” are spray-painted at Cairo’s Tahrir Square on February 7, 2011

    Today, say Arab cyber-activists, states have lost much of their control over what citizens can see, know and say, as evidenced by a later wave of protests that rocked Algeria, Sudan, Iraq and Lebanon in 2019 and 2020.

    While the heavy lid of state censorship has come down once more in many places, that free spirit has also brought change for the better, especially in the small Mediterranean country where it all started, Tunisia.

    – ‘Mass mobile-isation’ –

    A protester records with his mobile phone a demonstration in central Tunis on January 19, 2011

    A protester records with his mobile phone a demonstration in central Tunis on January 19, 2011

    The spark that set off the Arab Spring was the tragic suicide of Tunisian street vendor Mohammed Bouazizi, 26, who, having long been cheated and humiliated by state officials, set himself on fire.

    If his desperate act on December 17, 2010 expressed a real-world fury shared by millions, it was the virtual universe of online communications that spread the anger and hope for change like wildfire.

    Long simmering discontent among the less privileged was harnessed and multiplied by tech-savvy and often middle-class activists into a mass movement that would spread from Morocco to Iran.

    Bouazizi’s self-immolation was not caught on video — but the subsequent street protests were, along with the police violence that aimed to suppress them through fear but instead sparked more anger.

    Smartphones with their cameras became citizens’ weapons in the information war that allowed almost everyone to bear witness, and to organise, in a trend that has been dubbed “mass mobile-isation”.

    Clips were shared especially on Facebook, a medium outside the control of police states that had for decades tightly controlled print and broadcast media.

    “The role of Facebook was decisive,” recalled a blogger using the name Hamadi Kaloutcha, who had studied in Belgium and back in 2008 launched a Facebook forum called “I have a dream … A democratic Tunisia”.

    “Information could be published right under the regime’s nose,” he said.”Censorship was frozen. Either they censored everything that circulated, or they censored nothing.”

    Social media and smartphones briefly gave youthful Arab Spring protesters a technological edge against ageing dictatorships

    Social media and smartphones briefly gave youthful Arab Spring protesters a technological edge against ageing dictatorships

    If previously dissent could only be whispered, some of the citizens’ fear and apathy lifted as online users saw their networks of family and friends speak out in the virtual space.

    Online platforms also formed a bridge with traditional global media, further accelerating the regional revolt.

    “International media like Al-Jazeera covered the uprising directly from Facebook,” Kaloutcha said.

    “We had no other platform to broadcast videos.”

    With head-spinning speed, Tunisia’s ruler of more than two decades, President Zine El Abidine Ben Ali, was gone in less than a month.

    “Thank you Facebook,” read one graffiti sprayed on Tunisian walls, long before the social media giant drew increasing fire for spreading not just calls for freedom but also fake news and hate speech.

    – ‘The camera is my weapon’ –

    An Egyptian demonstrator uses his mobile phone to take a picture of a burnt army tank during clashes in central Cairo on January 29, 2011

    An Egyptian demonstrator uses his mobile phone to take a picture of a burnt army tank during clashes in central Cairo on January 29, 2011

    The Tunisia victory would soon kick off a political earthquake in North Africa’s powerhouse Egypt.

    A key catalyst there to mobilise and organise protests was the Facebook campaign “We are all Khaled Said”, or “WAAKS”, which highlighted rampant police brutality and widespread corruption.

    Said, 28, died in police custody in June 2010.Photos of his battered corpse went viral online while authorities unconvincingly claimed he had choked on a bag of drugs.

    The WAAKS campaign brought hundreds to his funeral, followed by a series of silent protests.

    By early 2011, the Egyptian revolt had gathered steam, and the movement snowballed into anti-government protests on January 25, the National Police Day.

    WAAKS at the time encouraged citizen journalism with the video tutorial “The camera is my weapon”.

    Powerful online images surfaced including one of a man facing off with an armoured water cannon, echoing the iconic image of an unknown Chinese protester who in 1989 defied a column of tanks on Beijing’s Tiananmen Square.

    Regimes across North Africa and the Middle East were caught flat-footed a decade ago as the fervour of the popular uprisings spread at the speed of the internet

    Regimes across North Africa and the Middle East were caught flat-footed a decade ago as the fervour of the popular uprisings spread at the speed of the internet

    Volunteers translated Arabic tweets for the international media, even as state broadcasters railed against the “criminals” and “foreign enemies” it blamed for instigating the protests.

    Anonymous movement hackers showed solidarity by distributing advice on how to breach state firewalls and set up mirror websites.

    On January 28, 2011, the “Friday of Rage”, the government ordered an internet blackout and blocked cell phone services, but it was too late.

    A critical mass was already reached, and more youngsters left their screens to join the offline action on the streets.

    At the height of the protests, up to one million Egyptians were demanding Hosni Mubarak’s ouster.He finally agreed to step down on February 11, ending a rule of nearly three decades.

    – Virtual battlegrounds –

    If the phrase “Arab Spring” echoed the romantic hopes for freedom of the 1968 Prague Spring, it ended as tragically as that brief uprising crushed by Soviet tanks.

    An Egyptian holds up a sign praising Facebook in 2011 on Cairo's Tahrir Square, heeding a call by the opposition for a "march of a million" calling for the ouster of Hosni Mubarak

    An Egyptian holds up a sign praising Facebook in 2011 on Cairo’s Tahrir Square, heeding a call by the opposition for a “march of a million” calling for the ouster of Hosni Mubarak

    Arab states have quickly caught up with their own cyber tools, weaponising social media and cracking down hard on online activists.

    “The authorities reacted quickly to control this strategic space,” said former Moroccan activist Nizar Bennamate, then with the February 20th protest movement.

    Activists, he said, became “victims of defamation, insults and threats on social networks and some online media”.

    A decade later, Amnesty International charged, Morocco has used smartphone hacking software to spy on journalist and rights activist Omar Radi, before detaining him on rape and espionage charges.

    A computer screen shows tweets posted by users on January 14, 2011 about the situation in Tunisia

    A computer screen shows tweets posted by users on January 14, 2011 about the situation in Tunisia

    In Egypt, President Abdel Fattah al-Sisi’s government has crushed almost all dissent, kampus terbaik di lampung blocked hundreds of websites and jailed social media users, including even teenage influencers on the short video app TikTok.

    Takeovers of publishing and TV companies by regime insiders has “led to the death of pluralism in the media landscape,” said Sabrina Bennoui of Reporters Without Borders (RSF).

    “We called this movement the ‘Sisification’ of the media.”

    Gulf countries, meanwhile, have used the Covid-19 pandemic “as a pretext to continue pre-existing patterns of suppressing the right to freedom of expression,” Amnesty has charged.

    As conflicts are fought increasingly in the virtual space, the standoff between a Saudi-led group of Gulf countries and Qatar has seen the use of bot armies to attack each other.

    In Libya’s war, fought with drones and mercenaries, UN mediators recently urged both sides not just to lay down their weapons but also to refrain from the use of online “hate speech and incitement to violence”.

    An image from a propaganda video released on March 17, 2014 by the Islamic State of Iraq and the Levant group's al-Furqan Media

    An image from a propaganda video released on March 17, 2014 by the Islamic State of Iraq and the Levant group’s al-Furqan Media

    Social media has also been used to great effect by non-state actors such as the Islamic State jihadist group, which employed it as a powerful weapon for propaganda and recruitment.

    “The tools that catalysed the Arab Spring, we’ve learned, are only as good or as bad as those who use them,” said a commentary in Wired magazine.

    “And as it turns out, bad people are also very good at social media.”

    – ‘Dream come true’ –

    Today, as most Arab countries linger near the murky bottom of RSF’s Global Press Freedom Index, the one place that offers a glimmer of hope is Tunisia, the tiny country where it all started.

    Though battered by poverty and now the pandemic, it boasts a long secular tradition, a fragile democracy and relative freedom of speech in a region dominated by totalitarian regimes.

    Tunisian journalist Sami Ben Gharbia, once a refugee who  ran the Nawaat blog from the Netherlands, at the office of the now fully fledged Nawaat media outlet

    Tunisian journalist Sami Ben Gharbia, once a refugee who ran the Nawaat blog from the Netherlands, at the office of the now fully fledged Nawaat media outlet

    Nawaat, once one of the major dissident blogs subject to state censorship, is now a fully fledged media outlet that runs both opinion and investigative pieces, with a website and a printed magazine.

    It has produced several documentaries on environmental and social justice issues and interviewed former prime minister Elyes Fakhfakh earlier this year.

    Gharbia, once a refugee who had fled the Ben Ali regime and ran the Nawaat blog from the Netherlands from 2004 to 2011, is now proud to be a force in the country’s media landscape.

    “There was a big debate after the fall of Ben Ali,” he said.”Had we reached our goal, should we continue and in what form?

    Nawaat, once one of the major dissident blogs subject to state censorship, is now a fully fledged media outlet

    Nawaat, once one of the major dissident blogs subject to state censorship, is now a fully fledged media outlet

    “After a transition, in 2013, we decided to professionalise the editorial staff, to produce independent quality information, which is still lacking today in Tunisia”.

    One recent day he was running a lively editorial meeting during which journalists discussed which political parties to investigate next.

    “Having offices and a team of journalists working freely in the field was a dream 10 years ago,” he said.

    “That dream has come true.”

    burs-fz/jkb/kjm

    David Beckham enjoys fireworks night at home with his children

    He couldn’t go to the bonfire, but ensured the bonfire came to him as the footballer and his family did their best to enjoy the November 5th celebrations on Thursday evening

    The former Manchester United and Real Madrid midfielder did his best to lay on a memorable Guy Fawkes night for wife Victoria and two of his four children as England settles into its  second national of the year. 

    Taking to Instagram, David, 45, shared an array of pictures with his followers as the family tucked into toasted marshmallows and played with sparklers. 

    Tradition: He couldn't go to the bonfire, but David Beckham ensured the bonfire came to him as the footballer and his family did their best to enjoy the November 5th celebrations

    Tradition: He couldn’t go to the bonfire, but David Beckham ensured the bonfire came to him as the footballer and his family did their best to enjoy the November 5th celebrations

    Addressing fans, the retired footballer admitted it wasn’t the bonfire night he was expecting after current rules, implemented in the fight against COVID-19, forbade all mass gatherings. 

    Sharing a selfie on the picture messaging site, he wrote:  ‘Tonight’s a slightly different firework night but at least we have sparklers.’

    Youngest son Cruz, 15, also shared an image of his sparkler as the famous family came together for the annual celebration.

    Getting stuck in: Daughter Harper stayed warm in a onesie as she tucked into a homemade S'more on Thursday evening

    Getting stuck in: Daughter Harper stayed warm in a onesie as she tucked into a homemade S’more on Thursday evening 

    Hungry: Son Cruz...

    ... and David also tucked into the sugary toasted treatas they sat around a small fire

    Hungry: Cruz (L) and David (R)  also tucked into the sugary toasted treat as they sat around a small fire

    All yours: The former footballer later share the ingredients with anyone hoping to make their own

    All yours: The former footballer later share the ingredients with anyone hoping to make their own

    David and daughter Harper, nine, were also seen tucking into seen indulging in S’mores – a traditional American treat – while sitting close to their homemade fire.

    Victoria later shared a playful video of her husband kampus terbaik di lampung as he obliviously crammed one of the toasted snacks into his mouth.  

    The former footballer posted the ingredients with anyone hoping to make their own by revealing he’d made them using Hershey’s milk chocolate, Graham’s crackers and marshmallows.  

    Brooding: Cruz looked thoughtful as he sat with sparkler in hand during the Beckham's November 5th celebration

    Brooding: Cruz looked thoughtful as he sat with sparkler in hand during the Beckham’s November 5th celebration 

    Don't mind me: Victoria later shared a playful video of her husband as he obliviously crammed a toasted S'more into his mouth

    Don't mind me: Victoria later shared a playful video of her husband as he obliviously crammed a toasted S'more into his mouth

    Don’t mind me: Victoria later shared a playful video of her husband as he obliviously crammed a toasted S’more into his mouth

    Keep the fire burning: David admitted his fingers were burning as he stoked the flames while toasting marshmallows on Thursday evening

    Keep the fire burning: David admitted his fingers were burning as he stoked the flames while toasting marshmallows on Thursday evening 

    He also offered a quick tutorial to followers by placing a marshmallow between two crackers and placing it over their open fire. 

    The family are understood to be back at their sprawling Cotswolds estate, where they spent three months during England’s first lockdown before returning to London.

    Much of the UK’s fireworks displays and bonfires were cancelled as England entered a month-long lockdown, which is currently scheduled to end on Wednesday, December 2nd.

    This is how you do it: Victoria had her camera at the ready as David gave fans a tutorial in how to make S'mores

    This is how you do it: Victoria had her camera at the ready as David gave fans a tutorial in how to make S'mores

    This is how you do it: Victoria had her camera at the ready as David gave fans a tutorial in how to make S’mores

    Fun: There were sparklers all round as the family did their best to celebrate bonfire night during England's second national lockdown of the year

    Fun: There were sparklers all round as the family did their best to celebrate bonfire night during England’s second national lockdown of the year