Overview of Danish mortgage banks

Image result for mortgage banksMortgage banks are used primarily for mortgage loans. As a private person, one can often take a mortgage loan of up to 80% of the value of the property. The other 20% must be financed differently, for example. through a bank loan. See here an overview of Danish banks .

If you need a new mortgage / mortgage, we recommend renting an independent adviser, such as the mortgage consultant. The mortgage broker can also help if you already have a mortgage and are considering reallocating the loan. Often you can save between DKK 10,000 and DKK 50,000.

Below you can find descriptions of the Danish mortgage banks. You will also find addresses, opening hours and contact information.

Note that the first article deals with the Independent Advisor Mortgage Consultant. The following articles are about mortgage banks

We also recommend that you read our mortgage loan articles, as well as fixed-rate loans , flex loans , mortgage loans and SDOs . In addition, you can read about interest rates and rates on mortgage bonds . 

mortgage consultant

Mortgage Consultant is a company that helps you to save money on your mortgage, whether it’s a bank loan or a mortgage. The company offers various services and products that help you on the way to.

Nykredit

Nykredit is one of the country’s largest mortgage institutions, which also has their own bank. This resembles the many of the other financial constellations in the market, where banking and mortgage business go hand in hand. Here you can read.

Realkredit Danmark

Realkredit Danmark is one of the country’s three largest mortgage banks, and in terms of loans, they are the largest at home. Realkredit Danmark operates a traditional mortgage company with bond loans, but also offers other forms of financing in cooperation with.

Nordea Kredit

Nordea Kredit is Nordea Bank’s mortgage company, which provides loans to the bank’s customers. The company offers different types of loans from the traditional mortgage and mortgage loans for loans to cooperative housing. Nordea Kredit was created in 1993 by the merger.

BRFkredit

BRFkredit is one of the three major mortgage institutions in Denmark, measured on loans. BRFkredit operates traditional mortgage lending with fixed or variable rate lending, as well as offering a mortgage lending product called Boligkredit. BRFkredit is owned today.

 

How To Buy In Discounts

Image result for discounted purchase scheme

 

Do you plan to go for pre-Christmas shopping in discounts? We’ll advise you how to really save

Christmas holidays are nearer approaching, and therefore shopping centers are preparing for the onslaught of customers. Merchants try to entice them with significant discounts to buy the goods right there. But are prices really as profitable as it seems at first glance? Here are 5 tips for buying discounts and saving.

 

1. Keep track of the real values ​​of the goods
You know it. You see a discount and automatically put the goods into your shopping cart. Even if you do not need it. Customer discounts simply apply. However, few will see how much advantageous discount goods are. Sometimes it does not pay at all, and in another store you get it cheaper. How is it possible? Before Christmas, traders artificially raise their products to make it possible to make discounts to dozens of percent. And luring customers just for their goods. So carefully check out before you go shopping online how many items you have in order to know what is worth buying.

2. Beware of the word “YES.”
Discounts up to 75 percent? With this warning, we encounter quite often before Christmas in stores. Mostly, however, the discount applies only to a specific part of the goods, often only for 1-2 pieces that are sold out the first day. For the rest, discounts on knowledge are lower, but we often learn it after payment. Therefore, make sure you carefully check the discounted goods you are interested in, whether you are unpleasantly surprised later. The word YES can sometimes be expensive.

3. Study carefully who the discount is for
Do you see a discount on the goods you want to buy? Then first check to see if it is true for you as well. The discount does not have to be for everyone. It is often conditioned, for example, by the use of a customer card or a discount coupon. So be careful and watch carefully to see if you can take advantage of it.

4. Do not avoid the needlessness you do not need
Beautifully decorated costumes and high discount trailers are designed to lure customers into the shops. This will often lead them. People start buying discounted products, even if they do not need them. They leave more money in the store than if the discounts on things were not at all. So carefully think of what you really need to buy before you get into the shopping malls and try to keep it. Just checking the balance on your account will help prevent a real shock.

5. Make sure the merchant charged a discount
Did you happen to have taken a cheap product out of the shelf, but at the cash desk you charged it for the full price with the explanation that the discount is valid from tomorrow? If so, you have been the victim of one of the methods where merchants have wrongly marked discounts on merchandise. Even though it may not be, we meet it quite often. So be sure to check what price the vendor charged you. And if it is not the same as the price tag, you should not hesitate to call and return the goods.

 

 

 

 

What can the bank offer you

Bank is a bank that offers loans, investments, savings and similar services and products. Bank is a very historic bank when it began its work back in 1825.

Sparekassen Sjælland

Since that time, the bank has merged and changed names numerous times. Among the many earlier names appeared, for example. Sparekassen Vestsjælland, Sparekassen Nordvestsjælland, Holbæk Sparekasse and Sparekassen for Holbæk and Omegn. Over time, the Bank has expanded and merged a lot, and today it covers over 27 branches that operate actively across almost all Zealand.

Bank, which is the current name, was introduced back in 2001 when the company chose to carry out a large geographical spread of activities that covered most of Zealand. The bank also took over the Næstved bank ‘Max Bank’ in 2011, which further expanded its business.

In other words, it is a progressive and ambitious bank that grows bigger and bigger every single year. The bank is aimed at both private and business, and there are advantages for every customer.

As a customer, this gives you a lot of good and new benefits and good prices on a regular basis, and you can read about the bank’s many exciting offers on products and services in this guide. The guide is not exhaustive as we have chosen to focus on the core core services that Bank can help you with.

For further information about the Bank’s products and services, you will find all information and forms on the bank’s own website.

What does Bank offer?

Image result for What can the bank offer you

Sparkassen Sjælland is a modern bank that knows what you need as a customer. Therefore, the Bank offers everything from salary, budget and savings accounts to investment advice, online banking and insurance solutions.

In the following sections you can read the most important and basic about the bank’s different products and services and if you want to find exhaustive information about the individual offers, read more on the bank’s own website.

 Sparekassen Zealand’s headquarters are located on Isefjord Alle in Holbæk

everyday Economy

We begin at the beginning and take a look at Bank’s many products and services that are needed in a completely basic everyday economy.

Below this category are offers you pay, budget and NemKonto as well as ordering cash and currency:

  • Payroll account – With a payroll account, you have a fixed account, where your fixed income automatically rings. This may include be wages, SU or other sources of income and the money is transferred and ready to be used to your daily needs.
  • Budget account – The budget account gives you an overview and tranquility as the required monthly, quarterly or half-yearly money will be credited to your account on a regular and automatic basis. The budget account can be used solely by yourself or jointly with a cohabitant or spouse where you have common fixed expenses.
  • NemKonto – Your NemKonto allows the public authorities to make money for you. For example, be excess tax, SU or other payments. Your NemKonto is basically not a separate account, but it will typically be the same account as. your salary account. That way, you do not have to keep in control of another account, and the money from the public just goes to your salary account, where all other income is also transferred to.
  • Cash – You can order cash directly online at Bank’s own website. This is because you fill out a number of fields with information such as amounts, wishes for the distribution of banknotes or coins, etc. Once you have ordered your cash, you can subsequently collect the money from your local bank branch. You will find the form for ordering cash right here .
  • Currency – It’s always a good idea to have some cash on your pocket when you travel abroad. It may be necessary in different situations such as transport, shops that do not have card terminals or anything else. At Bank you can raise euros most of the bank’s ATMs – up to a value of DKK 10,000. Should you use a currency other than Euro, you can order on the bank’s own website or contact your local branch or adviser.

In addition to offering products and services to your everyday economy, the bank also offers a handful of good services for your children – both the young and the young. We’ll take a closer look now:

Children and teenagers

Everyone is welcome to Bank – of course, the bank also has a number of great deals for you, who are children or young people, or to you as a parent.

The bank actually offers a lot of different services for children and young people, so we have chosen to focus briefly on the four main categories below:

  • 0-12 years: For children aged 0-12 years, Sparekassen Sealand offers respectively. a childcare savings, a grandchildren’s savings and a regular children’s account. The first two savings accounts allow parents or grandparents to deposit money into the child’s account until the child is filled up. 14, 18 or 21 years. With the regular children account you can collect and raise money to and from the child’s account as you wish.
  • 13-17 years old: Are you between 13-17 years old, you can get your very own free MasterCard Debit Standard card at the bank. With this card you can raise money ATMs and pay with cards in stores – however, you are insured against spending too much as the card only allows you to use the actual money in your account. In addition to your free MasterCard, you also get free online banking and mobile banking. With these you can keep an eye on the balance of your account, transfer money to others and pay bills.
  • 18-27 years: As a young member of Sparekassen Zealand you will receive a number of free benefits, extra good interest on your accounts and cheap rates on loans and credit. You get a free Visa / Dankort or MasterCard Debit card as required, free Netbank, free payment of payment cards and high deposit rates up to the amount of 100,000 kr.
  • Confirmation Account: As a young kidnap confirmor or non-man, it may be tempting to burn all the money on clothes, experiences and electronics right away. However, you can also choose a more profitable way – to use your free account manager account at Bank. Here you can deposit up to DKK 25,000 with a fixed annual rate of 5% up to the following year. Then your account changes to a regular youth account, but you can continue to raise the amount as you like.

In other words, there is a lot to be found for both children and young people at the Zealand bank – whether it concerns accounts, cards or savings.

Loan

Image result for What can the bank offer you

Bank also has a number of attractive loans of different grades and at different strong prices. Whether you need financing for new housing, new car or unexpected bill, the bank can help you well on your way.

Below you can read maps about the bank’s various loan options – you can find further prices and terms on the bank’s own website:

  • Housing – The Bank offers loans for both purchase or renovation of housing. So whether you want to move in your upcoming dream home, or want to renovate and transform your current home into a similar dream home, you can find the financing with favorable interest rates at Bank. In addition, the bank helps you get started with mortgage loans, including guidance and advice, and last but not least you can get a home buyer certificate, if applicable. The bank also assists with legal assistance and insurance in connection with housing purchases.
  • Car, motorcycle and caravan – Do you have gasoline in the blood, or does the upcoming family increase require more car space? At Bank you can borrow for both cars, motorcycles or caravans at low variable rates of up to 1.75% depending on payment. The bank recommends that you always contact your local branch and in conjunction with your advisor, find out how much you can borrow and therefore buy before you start looking at a new car, motorcycle or caravan.
  • Bank credit – A cash credit reminds little of a consumer loan, because the money is not aimed at something specific, such as mortgages and car loans. However, the cash credit still differs from consumer loans in the way that you do not pay a fixed monthly amount and you only pay interest on the amount you use of the credit. You can make a customized bank credit at your local branch or personal bank adviser so you always have an extra elasticity in your private economy in the event of unforeseen bills, Christmas gifts and the like.

From mortgages and overdrafts, we move on to a slightly different ball street: wedding advice:

Special wedding advice

As a whole, Bank offers all future or newlywed bridesmaids personal counseling in connection with weddings. When you and your future husband or wife say yes to each other in the church, in the town hall or on a tropical south sea, there are many legal, economic and practical things that change.

Therefore, at Bank you can get concrete help and advice from everything from financing your wedding party or honeymoon, to guidance on personal and life insurance, your pension plans and legal challenges.

You are always welcome to contact your local adviser or branch so that you can help with the above questions and challenges that should be in place for the big day. You will find more detailed information about wedding advice on the bank’s own website .

Pension

Bank offers four different pension plans. These schemes suit different economies, situations and of course individual needs. Bank’s pension schemes are respectively. retirement pension, retirement age, life-long annuity and retirement for self-employed persons.

You can read more about the four individual pension schemes below, and if you want more information, you will find terms, tax deductions and the like. on the bank’s own website:

  • Rate pension – With a rate pension you can 2016 pay up to 52,400 kr. Annually on pension savings. When you retire, you will be paid your rate pension in the form of monthly amounts. This compensates the rate pension for the income you lose when you retire.
  • Age savings – An age saving differs from the rate pension because you can get the full amount paid at once. This makes it a sensible solution for you who want to buy something bigger at one time when you retire. The age savings can also supplement your rate pension, and therefore you may use it if you are at the limit of the maximum annual payment on your rate pension. You can 2016 pay up to 28,900 DKK on your age savings annually.
  • Lifetime annuity – Lifetime annuity can be used to supplement your rate pension. You can 2016 pay up to $ 48,200 on your life-retirement pension, if you pay the money yourself – you pay through your employer, there is no ceiling for the amount. You will be paid your life annuity monthly from the day you retire and you receive a monthly amount of your account for the rest of your life.
  • For self -employed persons, as self-employed persons do not per Automatically has a pension savings like most employees, can you per. 2016 choose to pay up to 30% of the company’s profit on life annuity savings. In addition, you can pay up to 52,400 kr. Annually on a rate pension.

Note: If you have a capital pension, you can choose to have the full amount paid at once once you reach the retirement age. Alternatively, you can choose to pay the money in bid by agreement. You should be aware that if you choose to change your capital pension for an age saving, you must pay a tax to the state. The fee is per 2016 40% of the amount.

Insurance

Image result for What can the bank offer you

In cooperation with Købstædernes Forsikring, Bank offers a range of attractive insurance policies that can create peace and security about your life, your family and your property.

If you choose to place your insurance together with the bank, you will also receive a 10% discount on all insurance policies, and it may therefore be worth having more or all of your insurance policies collected there.

In order to get the 10% discount in the price, you must subscribe or move your deposit insurance to Købstædernes Forsikring and Bank. In addition, you must at least draw two of the following insurance in the same place: home insurance, home insurance, car insurance or accident insurance.

The Bank and the Buyer’s Insurance jointly offers the following types of insurance:

  • Buildings Insurance
  • Holiday home insurance
  • Home Insurance
  • White goods and electronics insurance with MasterCard
  • Change of ownership
  • Construction Insurance
  • Auto Insurance
  • Motorcycle Insurance
  • Annual Travel Insurance
  • Travel insurance with MasterCard
  • protection of wages
  • accident insurance
  • Accident insurance for children
  • Pet Insurance
  • Health, sickness and death insurance

You will find both prices and detailed descriptions of the individual insurance policies and your options for collecting your insurance in one place and obtaining a 10% discount on the bank’s own website .

Investment

As a customer in Bank you have the opportunity to invest your money from savings accounts or pension plans. This allows you to get a bigger return and gain as opposed to having the money standing in a regular account, as the current interest rate level is not particularly flashy.

The Bank offers you three main options:

  1. Personal advice so you are able to choose how to invest your money.
  2. Collaboration where you and your advisor jointly create a personal investment profile that suits your finances and needs.
  3. You can also let the bank’s experts track the financial markets and take responsibility for your investments.

If you choose to trade and invest in securities on your own, you must be a customer at Bank, with which you can use their NetBank to manage the company.

On the other hand, if you choose to let the Bank’s investment specialists stand for the above, you can rest assured as they handle everything from buying and selling to reinvesting your dividend. You can always keep track of your investments through your depot on NetBank.

Payment cards and credit cards

You must of course have a number of cards that you can use to shop in stores and online. Therefore Bank offers a number of cards that you can choose depending on your needs and finances.

In principle, the bank offers five different cards that suit different sizes of private finance and individual needs for credit and credit.

The cards are as follows:

  • Visa / Dankort
  • MasterCard Standard Debit
  • MasterCard Standard Credit
  • MasterCard Gold Credit
  • MasterCard Platinum Credit

NOTE: Be aware that you can use the MasterCard Gold and Platinum Credit to earn a wide range of benefits, including electronics and white goods insurance, travel insurance, cancellation insurance, etc.

Self-service online

Image result for What can the bank offer you

As we have mentioned a few times during the guide, Bank is a modern bank. Therefore, they also offer easy and secure access to NetBank, MobilBank, Swipp and other effective digital solutions. Most apps and applications can be used directly from computer, tablet or mobile.

Below you can read briefly and accurately about the primary benefits of the bank’s digital solutions:

  • NetBank – With Banks NetBank, you can manage all your daily and monthly financial tasks directly online. You can transfer money, check balance, sign up for payment service, make regular transfers and more. You can also make budgets, new accounts and trade securities / shares.
  • MobilBank – You can download Banks MobilBank as app on your tablet or smartphone. With MobilBank you can handle many of the same tasks as with NetBank, but directly from your mobile or tablet. You can, among other things, transfer funds, view balance, block debit cards, find local branches, etc.
  • Swipp – Swipp is a payment application for your mobile that lets you transfer and receive money as well as pay in stores with your smartphone. Swipp works 100% with your accounts at Bank, and you can choose which account you want to use. You can transfer or receive up to $ 25,000 daily with Swipp.

You can always click on the bank’s own website and read more about their digital products and services .

Mission and vision for Bank

Finally, we look around the bank’s values, mission and vision. Bank is based on a strong thought to take responsibility locally, where their branches are present. This means, among other things, that the bank has chosen not to close any branches but, instead, to develop and improve existing branches for the benefit of the local communities in Zealand and Funen.

In addition, Sparekassen uses a large part of its sponsorships to support and develop new young, local talents. This is through partnerships with associations and educational institutions. This and the above fall in line with Bank’s mission to contribute to the fact that Zealand and Funen become a better and more attractive place to live and work in.

The bank has a solid and strong vision that ensures local and regional alternatives to the major banks. This implies, inter alia, professionally strong but at the same time passionate and empathetic employees in all branches of the bank. Bank will also struggle to deliver a modern digital alternative to the nationwide banking offerings on PC, smartphone and tablet.

 

Complete overview of banks in Denmark

 

Many Danes are in doubt about which bank to choose when they are going to switch to a new one. The banking world is a confusing jungle of opaque prices and terms, so you as a customer often remain undecided after talking to a selling bank adviser, who is just trying to sell you their product.

Therefore, we have made a complete overview of a number of Danish banks, so you have a complete overview when to find your new bank! Under each bank we have noted interest rates as well as useful information about the various accounts, and in addition we also provide you with information about the bank itself.

We hope this overview will help you find the right bank for you and your needs!

Jyske bank
Jyske Bank is the second largest Danish bank with a nationwide network of 98 branches and headquarters in Silkeborg. Jyske Bank’s telephone number is 89 89 89 89.
Payroll account (Basic account, payments)

Free creation (though a monthly fee of 25 kr.)

Possibility of Mobile and Netbank and Visa Debit Card

Raise free at checkout 5 times a month – additional withdrawals cost 25 kr.

savings account 0-100,000 kr.

0.00%

No binding

100,000 DKK – 250,000 kr.

0.02%

Free insertion and cancellation

+ 250,000 kr.

0.02%

No possibility for cards

Danish bank
Danske Bank is Denmark’s largest bank and they also have branches in several countries around the world. The bank is nationwide with a total of 85 branches in Denmark and its headquarters in Copenhagen. Danske Bank’s telephone number is 33 44 00 00.
Payroll account (Danish account)

Free installation

Possibility of bank overdraft Can associate cards
Savings account (Danish deposits)

0-25,000 kr.

0.01%

Free insertion

25,000 kr. – 250,000 kr.

0.01%

Can be charged / transfer free of charge once a month – additional withdrawals / transfers cost 40 kr. walk

+ 250,000 kr.

0.01%

The bank attributes interest on the account as of 31 December

Sydbank
Sydbank is one of the largest banks in Denmark and is nationwide with 62 branches and headquarters in Aabenraa. Sydbank’s telephone number is 70 10 78 79.
Payroll account (Private account)

Free Mastercard Debit – Visa / Dankort 195 kr. Yearly

Possibility of bank overdraft

Free transfers to your own accounts as well as payments via payment service
savings account 0-25,000 kr.

0.00%

Free insertion

25,000 kr. – 250,000 kr.

0.00%

Free raise

+ 250,000 kr.

0.00%

The bank attributes interest on the account as of 31 December

 

Nykredit
Nykredit is one of Denmark’s largest banks and accounts for more than 40% of Denmark’s mortgage lending. At the same time, they are nationwide as they have 42 ‘centers’ throughout the country, headquartered in Copenhagen. Nykredit’s telephone number is 70 10 90 00.
Salary Account (Account)

Free installation

Free online banking

Access to counseling 68 hours a week at Nykredit Direct
savings account Does not have a normal savings account immediately

 

Spar Nord Bank
Spar Nord Bank is one of Denmark’s largest banks with 51 branches located throughout the country. Your headquarters are located in Aalborg. Spar Nord Bank’s telephone number is 96 34 40 00.
Payroll account Free installation

Free mobile and online banking

Possibility of attaching additional services such as Visa Dankort, Mastercard Debit and Mastercard
savings account Does not have a normal savings account immediately
Arbejdernes Landsbank
Arbejdernes Landsbank is one of the largest banks in Denmark with 70 different branches throughout Denmark. The headquarters are centrally located at Vesterbro in Copenhagen. The employer’s Landsbank telephone number is 38 48 48 48.
Payroll account

Free AL-Mastercard Cash (option of interest credit – at least DKK 10,000) or Visa / Dankort

Free mobile and online banking

Possibility of bank overdraft
savings account 0-25,000 kr.

0.00%

No deposit required

25,000 kr. – 250,000 kr.

0.00%

Free raise

+ 250,000 kr.

0.00%

Access to free advice

 

Ringkjøbing Landbobank
Ringkjøbing Landbobank is a Danish bank with 32 branches, primarily distributed over Jutland and, of course, with its headquarters in Ringkøbing. Ringkjøbing Landbobank’s telephone number is 97 32 11 66.
Payroll account Possibility of card (costs 200 kr per year) Mobile and online banking capability (costs 25 kr per quarter)  
Savings Account (Free Savings)

0-25,000 kr.

0.00%

Free to deposit an amount

25,000 kr. – 250,000 kr.
0.00% Can be charged free once per. quarter – additional withdrawals cost 25 kr. walk

 


+ 250,000 kr.

0.00%

No possibility for cards

Vestjysk Bank
Vestjysk Bank is a Danish bank located in Lemvig with branches in 15 different places in Jutland. Vestjysk Bank’s telephone number is 96 63 20 00.
Salary account (Salary and credit)

Possibility of credit

Possibility of card

Can be used both as payroll and budget account
Savings Account (FREE Savings) 0-25,000 kr.

0.00%

No binding

25,000 kr. – 250,000 kr.

0.00%

Free insertion

+ 250,000 kr.

0.00%

Can raise four times per month without charge

 

Sparekassen Kronjylland
Sparekassen Kronjylland is a Danish bank located in Randers with focus on Kronjylland. The bank has 46 branches primarily located in Jutland, but there are also few located in Zealand. Sparekassen Kronjylland’s telephone number is 89 12 24 00.
Payroll account Mobility and Internet banking Possibility of payment or debit card Free mobile and online banking
savings account Does not have a normal savings account immediately

 

Sparekassen Sjælland-Funen
Sparekassen Sjælland-Fyn is a Danish bank with focus on Zealand and Funen, as it is a merger of Sparekassen Fyn and Sparekassen Sjælland, as they continue to burn to their customers. They have 32 branches exclusively in Zealand and Funen and a headquarters in Holbæk. Sparekassen Sjælland-Fyn’s telephone number is 59 48 11 11.
Payroll account

No further information

savings account Has closed for their normal ‘Savings account’

 

 

Nordjyske Bank
Nordjyske Bank is part of Ringkjøbing Landbobank and, of course, focuses primarily on North Jutland. Nordjyske Bank’s telephone number is 98 70 39 30.
Payroll account Offers a normal salary account No further information  
Savings Account (Free Savings) 0-500,000 kr.

0.00%

Free insertion

500,000 kr. – 5,000,000 kr.

0.00%

Raise once per. quarter free of charge – other withdrawals cost 25 kr. walk

+ 5,000,000 kr.

0.00%

No possibility for cards

Loans & Savings Bank
Loan & Spar Bank is a Danish bank with 20 ‘counseling centers’ located all over Denmark with the headquarters located centrally in Copenhagen. Lån & Spar Bank’s telephone number is 33 78 20 00.
Payroll account

Free installation

Possibility of online banking and dankort

Possibility of dankort
savings account 0-25,000 kr.

0.00%

Free insertion

25,000 – 100,000 kr.

0.00%

Decide when the money will be raised

+ 100,000 kr.

0.05%

Possibility of personal advice in an advisory center

 

Sparekassen Vendsyssel
Sparekassen Vendsyssel is a Danish bank with a center in Vrå, but with 35 branches primarily distributed across North Jutland and two departments in Copenhagen. Sparekassen Vendsyssel’s telephone number is 82 22 90 00.
Payroll account No account fees and free Dankort Mobility and Internet banking However, to get this account you must have one of several specific products at Sparekassen
savings account Does not have a normal savings account immediately

 

 

Jutlander Bank
Jutlander Bank is a medium sized Danish bank with 32 branches spread over a few places in Jutland and one in Copenhagen. Jutlander Bank’s telephone number is 96 57 58 00.

As shown in the table below, the bank does not offer any normal accounts, but they offer payroll and savings accounts to customers who are covered by Jutlander Bank’s Benefit Concept.

Payroll account

Does not offer a normal salary account

savings account Does not offer a normal savings account
Den Jyske Sparekasse
The Jyske Sparekasse has 21 branches throughout Jutland, and is headquartered in Grindsted, a widely used savings bank in Jutland. The Jyske Sparekasses telephone number is 76 72 09 99.
Payroll account

Possibility of Dankort

Possibility of payment service for fixed costs

Can also be created as a payday loan and can thus be used as a cash credit

savings account 0.00%

Free insertion and cancellation

0.02%

No termination

0.02%

No option for cards, checks or payment service

Middelfart Sparekasse
Middelfart Sparekasse is a local bank located in Middelfart, but with 18 departments spread over Funen and Jutland and one in Zealand. Middelfart Sparekasse’s telephone number is 64 22 22 22.
Payroll account

Free installation

Possibility of bank overdraft of up to DKK 30,000 – this costs DKK 1,000 in establishment

Free of charge on Dankort, Netbank and account statements after 90 movements

Savings Account (MS Savings)

 

0.00%

No further information

0.00% 0.00%

 

Coop Bank
Coop Bank is one of the newest banks in Denmark, and, in contrast to many other Danish banks, it has no branches in Denmark. Despite this, however, the bank has experienced great success in recent years, but to become a customer at the bank, you must be a member of Coop. Coop Bank’s telephone number is 43 86 11 11.
Salary Account (Coop Account) Free creation and payment card Possibility of mobile and online banking as well as overdrafts of up to 50,000 kr. 0.25% on deposits up to 50,000 kr.
savings account Does not offer a normal savings account
Nordea
Nordea is a merger of several Nordic banks and is therefore present in all of these countries. In Denmark, the bank is headquartered in Copenhagen, and is one of the largest banks in Denmark with 120 private branches spread throughout Denmark. Nordea’s telephone number is 70 33 33 33.
Salary Account (Primary Account)

Mobility and Internet banking

Possibility of card (350 DKK for Visa / Dankort per year)

Possibility of bank overdraft
Savings Account (Plus Account Variable Interest) 0-25,000 kr.

0.00%

No binding

25,000 kr. – 250,000 kr.

0.00%

Free raise and no limit for deposit amount

+ 250,000 kr.

0.05%

No termination

Alm. Brand Bank
Alm. Brand Bank is a part of Alm. Brand Group A / S, which also provides insurance and pension. The bank itself has 22 branches throughout Denmark. Alm. Brand Bank’s telephone number is 35 47 47 47.
Payroll account

Mobile banking option

Possibility of card (Dankort, Visa / Dankort, Mastercard Debit)

Possibility of online banking
savings account 0-100,000 kr.

0.00%

No claim for minimum deposit and free raise

100,000 DKK – 250,000 kr.

0.00%

Possibility of Netbank

+ 250,000 kr.

0.00%

Possibility of Visa / Dankort

BankNordik
BankNordik is the largest bank in the Faroe Islands, but at the same time it has 16 branches in Denmark. BankNordik’s telephone number is 76 97 80 00.
Payroll account

Possibility of card

Mobility and Internet banking

Possibility of bank overdraft
savings account 0-100,000 kr.

0.00%

No maximum or minimum for insertion

100,000 DKK – 250,000 kr.

0.00%

Free insertion and cancellation

+ 250,000 kr.

0.00%

Possibility of Netbank

Djurslands Bank
Djurslands Bank is a Jutland bank with 16 branches in Jutland and headquartered in Grenaa. Djurslands Bank’s telephone number is 86 30 30 55.
Payroll account

Possibility of card

Possibility of Netbank

Used as an entire basic salary account

Savings Account (Private Savings) 0-250,000 kr.

0.00%

Maximum deposit of 2,500,000 kr.

100,000 DKK – 250,000 kr.

0.00%

Can be lifted without charge of cards

250,000 kr. – 2,500,000 kr.

0.00%

Max 1 account per. customer

 

 

 

Frøs Sparekasse
Frøs Sparekasse is a bank located in Rødding with 11 branches in Jutland. Frøs Sparekasse’s telephone number is 74 99 74 99.
Salary account (Frøs salary)

No immediate information on the bank’s website

Savings account (Frøs Total Savings

0-25,000 kr.

0.00%

No immediate information on the bank’s website

25,000 – 100,000 kr.

0.00%

+ 100,000 kr.

0.01%

Fynske Bank
Fynske Bank is a merger of two Fynian banks and therefore focuses primarily on Funen and few places in Jutland. The bank is headquartered in Svendborg, but has 11 branches spread throughout Fyn and East Jutland. Fynske Bank’s telephone number is 62 21 33 22.
Salary Account (Basic Financial Account)

Possibility of Mastercard Debit

Possibility of Netbank

Payment service available

Savings account (Fynske Savings) 0-25,000 kr.

0.00%

No immediate information on the bank’s website

25,000 – 100,000 kr.

0.00%

+ 100,000 kr.

0.00%

Find your new savings account now It only takes 2 minutes!

We hope that this overview of Danish banks has helped you find the right bank.

 

5 qualities of a good developer

 

Today, we propose you a subject a little particular, centered on the qualities that it is necessary to have to be a good developer. In the collective imagination, a developer (and more generally a computer scientist) is the archetype of the geek: he is a single man, who has a beard, glasses, who does not leave much of his home, who loves science , cats, in short. In other words, he has a life that is not very exciting compared to the standards conveyed by our society. Although caricatures can always have a basis of truth, they are nonetheless still unsteady. In this article, we will emancipate ourselves from stereotypes and other so-called factual and logical qualities, namely that it is important to have an analytical mind and a certain attraction for new technologies. We are going to make you discover other qualities that the majority of the population ignores or takes for defects and that are, if not indispensable, just as important.

Image result for 5 qualities of a good developer

1. The developer is lazy

Did you know ? A good developer is a lazy person to the extreme. Never ask him to do the same thing twice, because it’s too much. Since there is repetition, his brain understands “automation” . If necessary, he will spend more time developing (or finding) a concept to automate the action than it would have taken time to do it on his own. Indeed, he does not like to waste his time in chimera or reinvent the wheel. If what he has to do has already been thought out, conceived and exploited elsewhere, no doubt he will use and exploit the vein to the fullest. It must be understood that in a developer, a line of code has no other fate than that of being part of a set that must be articulated and reused anywhere, anytime, whatever the circumstances. This fundamental reason lies at the very heart of the idea of software libraries and paradigms like OOP ( Object Oriented Programming ). As the Greek philosopher Anaxagore said in his time, later repeated by Antoine de Lavoisier: “Nothing is born or perishes, but already existing things combine, then separate again” , or, in other words: “Nothing is lost, nothing is created, everything is transformed ” .

2. He is pessimistic

If the world tends to want to be optimistic under any circumstances, the developer saw in the hard reality of the programs: “what happens if it crashes?” . This question must be at the heart of all concerns from the very beginning of the design. The developer must always start from the premise that it will not work, precisely to make it work. Here we touch the basis of procedures to keep a system operational. A complex computer program can be likened to the human body: if the brain is the center of operations, other crucial parts must however be able to self-regulate (the heart, breathing, etc.). It’s not because a portion of the code crashes that the program as a whole has to crash! You have to be able to imagine the worst possible scenarios. Recovery procedures must be thought upstream, and only critical and pessimistic minds are able to imagine, conceptualize, analyze, and resolve such situations before they occur.

3. He is suffering from acute paranoia

Another quality that in everyday life is perceived as a flaw: a good developer is a paranoid person, who understands that everything he puts in place increases the risk of a potential flaw. In fact, the larger the program, the more instructions and conditions it has to be able to be used by outsiders. Therefore, the developer must place security at the center of its action always assuming that its program is vulnerable. In his day-to-day work, this security logic will systematically lead him to close his code to everyone, then to open it sparingly according to needs and circumstances.

4. He cultivates a taste for detail and perfection

Amateur of procedures and Cartesian, the developer likes to be very specific to his specifications. He is demanding and very picky. He understands that the Devil hides in the details and that a shell can crumble an entire structure. In this, he constantly checks his work and that of his collaborators, he elaborates common conventions (syntactic, procedures, prioritization of information and priorities), he carefully documents his steps and puts in place the tools of adequate follow-up. Finally, it often asks few questions, but they have an unfortunate tendency to fly. The relevance of his remarks is at the height of his technical expertise. Often uncomfortable in terms of communication, the developer is catching up with its very clear ability to explain in detail advanced concepts. This clarity of mind and inherent malleability allow him to juggle different technical aspects and have a faster learning curve than average.

5. He has an insatiable curiosity

A good developer likes to think outside the box. Never short of ideas, he strives to open his field of possibilities. The fact that he is lazy tends to increase his curiosity, forcing him to literally seek information, confronting his opinion with others. Bored very quickly after eating a bone, he gives himself constant challenges. Above all, he is passionate and imaginative, who does not hesitate to spend hours in front of the screen to learn, understand and test. His logical and analytical mind never really stops, he sometimes continues without realizing it to think about how to solve a problem or better understand a solution found. Above all, he needs to share his knowledge with other developers. He believes that his knowledge is nothing if he can not get into the world of others and, in that, he is humble, aware of the immensity of knowledge that he does not yet know.

Image result for 5 qualities of a good developer

To conclude

This article is now complete. We hope that it has allowed you to better understand the mentality of a developer and his way of thinking. We can not be complete without adding that all this is learned and not innate. Very good schools now form developers in the web and more generally in the computer trades. Bearer of the future, development is on the rise. We invite you to inquire if this article made you want to join this great community!

 

10 tips to optimize the performance of your website

 

The finding is well known: the performance of a website can deteriorate phenomenally. By always adding more features or application layers, the mille feuilles is gradually being established. Become a gas plant requiring a lot of resources to finally not much, your website becomes a major problem when your audience itself is impacted (chronic slowness, bugs, errors, crashes, etc.). Before you get there, it is necessary to maintain your daily production tool. The 10 tips that follow will allow you, if not to adjust, at least to plug the incipient haemorrhage.

1. Optimize your images

Image result for optimize images

The most common mistake is the management of images. It is imperative to start by reducing their weight to reduce the waiting time for loading pages. The other beneficial aspect is to see the side of your accommodation. Lighter images can also free up bandwidth and server load.

Many of you still do not optimize your images and display them in their original format. Even, and this is much more devious, not to create miniatures specific to each type of use. Indeed, a good image management first passes through a thoughtful use of these: a full size image does not have to be used as an insert of an article. For this, create a collection of miniatures of many sizes, and for each content, take the appropriate one.

The same goes for extensions and transparency. Unless you want an image of perfect sharpness in Bitmap (.bmp) or TIFF (.tiff), prefer the format JPEG (.jpg). Do you need transparency? You will then have the choice between the GIF (.gif) and PNG (.png) format . Always prefer PNG unless it’s a moving picture or a very small image (like a button). Because the compression of an image in PNG is on average 5 to 25% better than that of a GIF.

Finally, know that it is very rare to need a quality close to 100%. If you are in possession of image editing software such as Adobe Photoshop (paid and owner) or Gimp (free and free), you can easily lower the quality by playing on the compression . For the JPEG format, 75% compression is a good compromise between quality and weight. For GIF and PNG formats, you need to keep an eye on the number of colors. If your image does not require many colors, choose a smaller color table in the file export settings.

For more information on the subject, I suggest you read the excellent and very comprehensive Article Image Optimization , written by Ilya Grigorik, web performance engineer at Google.

2. Compress HTML, CSS and Javascript

Image result for compress html

Nowadays, most web pages are composed of 3 languages: HTML (for HyperText Markup Language ), CSS (for Cascading Style Sheets ) and Javascript interaction. Each language has its own files, which should be compressed to the maximum to reduce, once is not custom, their weight. In the jargon of the web, this act is called minification .

Minification consists of removing files:

  • Comments
  • Indentations
  • White spaces
  • Block delimiters

Here is a non-exhaustive list of sites to manually minify your files:

  • CSS Minifier (for CSS)
  • JSCompress (for Javascript)
  • Minify (for CSS and Javascript)

If you are on WordPress , use an external plugin. They will automatically qualify Javascript, CSS and HTML. Some cache modules include minification options like Cache Enabler . Others are added to the existing, this is the case of Autoptimize . The latter is able not only to minimize, but also to join all the files between them to reduce the number of HTTP requests. We will see in the next chapter the advantages of such a solution.

3. Reduce the number of HTTP requests

Image result for Reduce the number of HTTP requests

When a visitor requests a page, their browser is quick to fetch all the included content using Hypertext Transfer Protocol ( HTTP ). This is a ping pong game, for each request, a request to the server. And it works for everything: the page itself, images, scripts, videos, etc. In short, the more different files you have, the more queries you have. And the more requests there are, the more it consumes resources and time.

There are several simple solutions to implement:

  • When you can and where relevant, link the files together
  • Include Javascript directly in the page (if it’s a small script)
  • Minimize the number of plugins
  • Reduce the number of images (by CSS sprite technique )
  • Clean up your code (are all files needed?)

Finally, I advise you to pay close attention to where your files are hosted. If they are on your own hosting or on a CDN (for Content Delivery Network ), no problem. On the other hand, if it is about lambda sites, take care. Always have the habit of recovering files and using a trusted hosting. You are not immune to a problem with your neighbor, which could slow down your own website and impact you with a banal domino effect.

4. Improve the critical rendering path

Image result for Improve the critical rendering path

Behind this barbaric appellation hides something rather simple to understand. All information on a web page is not equal. And all the elements on this one do not load in the same way, nor occupy the same order of priority. It is important to understand that before displaying a page, the browser verifies that everything in it does exist. Assuming we have a web page with 1 CSS file, 1 Javascript file and 1 image, the process will be as follows:

  1. The browser requests the page
  2. The browser analyzes the HTML and discovers 1 CSS file, 1 Javascript file and 1 image
  3. The browser downloads the image
  4. The browser decides that it does not display the page without receiving CSS and Javascript
  5. The browser downloads the CSS and checks that nothing else is included
  6. The browser decides that it does not display the page without receiving Javascript
  7. The browser downloads Javascript and checks that nothing else is included
  8. Everything is OK. The browser displays the page.

Do you find this list grotesque? Wait a little, and imagine now the same list with the actual composition of a website, namely several CSS and Javascript files, dozens of images, videos, etc. Imagine the path of requests, the server – client responses … And that is not to mention the construction of the DOM ( Document Object Model ) and its modification by scripts at the very end of loading!

How to optimize the critical rendering path? By simple means:

For CSS

  • Always include CSS files at the top of the page (just before </ header>)
  • Call your CSS files correctly
  • Use fewer CSS files
  • Minify your CSS files
  • Delete what is obsolete

For Javascript

  • Always put Javascript files at the end of the page (just before </ body>)
  • Use the async or defer directives
  • Use less Javascript files
  • Minify your Javascript files
  • Delete what is obsolete

I will now want to talk about fonts . We, web developers , have all become addicted to using ” custom ” fonts on our websites. They are more and more beautiful, the choice can not be larger, in short, everything is fine. However, never forget that these are HTTP requests. Finally, that their weight is very far from being neutral. For each specificity (in italic, a bold 300, 400, 700), you retrieve all the symbols. Pay attention. Try to understand its usefulness and need, as it can cost you several extra megabytes! When you know that 80 to 90% of the waiting time is linked to downloading a page, it leaves you dreaming …

To find out how long your pages are displayed and where they are stuck, use:

  • YSlow , a plugin for your browser
  • Firebug (with the option Network enabled), another browser plugin
  • Google PageSpeed ​​Tools , an external Google tool that will analyze your website

At the end of this chapter, I recommend reading another article by Ilya Grigorik: Analyze the performance of the critical rendering path .

5. Use the cache

Image result for Use the cache

In the web environment, as soon as we talk about caching, we tend to think directly about the file cache. However, it is important to remember that there are two others and they can also optimize your site: browser cache and reverse proxy. Let’s find out what they serve.

The file cache

When a page is requested, your server processes the information by fetching the content from a database. This is the same process as the number of HTTP requests: the more requests there are, the more loads and waiting times. If your website has a lot of information to recover or it is poorly optimized, the number of queries can escalate. The file cache is there to tidy up. By caching the page for a fixed time, it will cut off the number of round trips to the database. There is an impressive number of file caching systems. Most notable:

For PHP

  • Smarty
  • PEAR
  • dwoo
  • Twig

For WordPress

  • WP Super Cache
  • W3 Total Cache
  • WP Rocket

To learn more, I invite you to read the article Understanding and using a PHP cache system .

The browser cache

The browser cache lets you specify how and when the browser cache needs to be updated. For this we have:

  • The Cache-Control HTTP header
  • The Expires HTTP header
  • The Pragma HTTP header
  • ETag validators

Let’s look at the first solution, the Cache-Control HTTP header and its max-age directive. This will allow us to specify an expiration date (for example 7 days). This means that for 7 days, the selected content will not be re-downloaded by the browser for any reason. Other directives exist (like no-cache). It will be necessary to define what will suit you best.

Have a look at Mark Nottingham. Its caching tutorial is very well documented.

The inverted proxy

An inverted proxy is a link server between the end user and internal servers. Its purpose is simple: by being placed at the bridgehead, it unloads and distributes all the information to the other servers that are left behind. In addition to enhanced security, the reverse proxy has a wide range of tools as load distribution (load balancing), caching ( HTTP acceleration ), data compression, encryption, etc. What interests us particularly here are the HTTP accelerators.

Among the main ones are:

  • Nginx
  • Squid
  • Varnish

Reading this article will explain in more detail the use of proxy and reverse proxy.

6. Enable Gzip compression

Gzip compression helps reduce bandwidth consumption. The process is simple: all content will be compressed on the server side and sent to the browser. The latter will then decompress, interpret and display. What is interesting here is the client – server path. By compressing the information, it traveled faster using fewer resources. Very simple to set up, Gzip can make a big difference on the display time.

To find out if Gzip is already activated and have information on what you can still improve, I invite you to use the site Check GZIP compression . If not, follow the instructions below.

If you have Apache

Add these lines to your .htaccess file:

<IfModule mod_deflate.c> AddOutputFilterByType DEFLATE application / javascript AddOutputFilterByType DEFLATE application / rss + xml AddOutputFilterByType DEFLATE application / vnd.ms-fontobject AddOutputFilterByType DEFLATE application / x-font AddOutputFilterByType DEFLATE application / x-font-opentype AddOutputFilterByType DEFLATE application / x-font-otf AddOutputFilterByType DEFLATE application / x-font-truetype AddOutputFilterByType DEFLATE application / x-font-ttf AddOutputFilterByType DEFLATE application / x-javascript AddOutputFilterByType DEFLATE application / xhtml + xml AddOutputFilterByType DEFLATE application / xml AddOutputFilterByType DEFLATE font / opentype AddOutputFilterByType DEFLATE font / otf AddOutputFilterByType DEFLATE font / ttf AddOutputFilterByType DEFLATE image / svg + xml AddOutputFilterByType DEFLATE image / x-icon AddOutputFilterByType DEFLATE text / css AddOutputFilterByType DEFLATE text / html AddOutputFilterByType DEFLATE text / javascript AddOutputFilterByType DEFLATE text / plain AddOutputFilterByType DEFLATE text / xml Mozilla BrowserMatch / 4 gzip-only-text / html BrowserMatch ^ Mozilla / 4 .0 [678] no-gzip BrowserMatch bMSIE! No-gzip! Gzip-only-text / html Header append Vary User-Agent </ IfModule>

If you have Nginx

Add these lines to your nginx.conf file:

gzip on; gzip_comp_level 2; gzip_http_version 1.0; gzip_proxied any; gzip_min_length 1100; gzip_buffers 16 8k; gzip_types text / plain text / html text / css application / x-javascript text / xml application / xml application / xml + rss text / javascript; gzip_disable “MSIE [1-6]. (?!. * SV1)”; gzip_vary on;

7. Opt for a CDN

The use of a CDN ( Content Delivery Network ) provides access to a vast global network of servers connected to the Internet. By determining the visitor’s location, the CDN will reduce latency by using closer servers to route the content to the end user. Take the example of a person in Lyon who wants to display a website hosted in Toronto. The information will have to transit across the Atlantic. The CDN, it will prefer to use a server based in Paris. The path is shorter, saving time is considerable.

Depending on what you want to do and your CDN, you can do this for all or part of your content: CSS files, Javascript, images, and even the cache! Some CDNs can also temporarily replace your website in case it has a hard blow (slowdowns) or is unavailable (crash).

Do you use WordPress? The CDN article for Dummies – Speed ​​up your WPFormation site might interest you. In addition, this article by Antoine Augusti should direct you a little more in the way of using the CDN of OVH , leader of Internet hosting in Europe (and 100% Made in France , cocorico!).

8. Avoid 301 redirects

A 301 redirect is a permanent redirection from url A to url B. Although it can be very useful in some cases (referencing, mobile redirection), it is always harmful in terms of performance. When the browser requests the page, the redirection tells him to go elsewhere. This will generate roundtrips of information for nothing, increase the time needed to generate the HTML page on the final address and load the additional files related to it. That’s why I advise you to use them as little as possible.

9. Reduce your use of the database

To increase the page display speed, you must also optimize the way you use your database . Start by decreasing the number of SQL queries already. An SQL query is a round trip of information between the server and the database and therefore precious time lost to the generation of your page. Then, optimize your queries themselves, paying attention to the type and amount of information you request. Do you need all these columns? Do you process all the information obtained? Also check that your indexes are relevant and use them wisely. Finally, a quick cleaning in your tables never hurts, finish the job by removing what is obsolete.

I want to remind you that plugins are often big users of the database. Use them sparingly and wisely. Similarly, when you take a code somewhere, think twice before putting it into production. One, two or three small queries and more is not much, but if you stir a large number of visitors and have a very fair infrastructure, it can easily cause slowdowns and put you on the kneecaps.

Two useful links:

  • The MySQL optimization manual
  • Initiation to the optimization of SQL queries under ORACLE

10. Prevent hotlinking

Hotlinking is the act of stealing the bandwidth of another. Everyone has already done it, without realizing it. But if, remember, you found this picture of cat extremely funny and friendly. You then inserted it into the content of a site or a forum by keeping the source URL. Your gesture, innocuous in appearance, was not so much. By doing so, you are not using your bandwidth, but that of the person hosting the image. This has resulted in always increasing a little more the load of his server. For your site, a hotlinker could do the same thing. In order to overcome this problem, you can use a .htaccess file to redirect any request that does not come from you to an image or a warning page.

Add these lines to your .htaccess file:

RewriteEngine On RewriteCond% {HTTP_REFERER}! ^ Http: // (. + .)? Mydomain .com / [NC] RewriteCond% {HTTP_REFERER}! ^ $ RewriteRule. * . (Jpe? G | gif | bmp | png) $ /path/to/limage/desole.jpg [L]

To conclude

There is a thousand and one ways to optimize your website and this article is not intended to bring them all together. Nevertheless, I believe that the 10 tips mentioned above are undoubtedly the most important. They will allow you to dramatically increase the page loading speed while lowering the latency and load of your server. Some of these solutions are quick to implement, others may require work at any time. But all are part of a set of good practices that you will need to adopt.

 

A bit of history: media queries, responsive web design and mobile first

 

Nowadays, the web as a whole converges towards mobility. We all have smartphones, tablets, televisions and even connected watches. The emergence of this new demand has created a need: the need to adapt to all these media. While the end of the 2000s saw progress on the so-called 2.0 social web, the following years focused on navigation and adaptation. This is how we entered the world of media queries, responsive web design and mobile first.

In the early days, there were computers

Image result for supercomputer

Remember this time, not so distant, where the Internet was practically only used on computers (yes, because there were also mobile services, but worthy of a return in the 80s with pixels and colors kitsch! offered no comfort and were very far from what is now called mobile Internet). We were in the mid-2000s. The browser war was between Internet Explorer and Mozilla Firefox . Google Chrome did not exist. Interoperability was the spearhead and the developers lost their Latin for the websites to work everywhere. AJAX was emulating but JavaScript was still far too much to provide popups in all directions and to annoy more than other things the heat passing through there. 25% of all sites did not run on WordPress , web libraries were in their infancy, MySpace still had the coast, Facebook was starting to take hold while Twitter did not exist yet. In short, it was another world, and it was only a decade ago. We understand better why we can feel overwhelmed by the lightning speed at which technologies evolve, cross the ages, transform and transform us at the same time.

As social networks progressed in the minds, the Internet and the web as a whole opened up. What was initially just one of many media became the number one medium. With all these new opportunities, a global market has been created: creation of Internet lines, improvement of network infrastructures, better speeds, nano-technologies. All these revolutions allowed the emergence, little by little, of the connected objects and in the first place of the smartphone of Apple . In 2007, Steve Jobs promised to awaken the consciousness of the iPhone , ” a revolutionary and magical product, which is literally 5 years ahead of all other mobile market .

 

The impact and economic, political, social and cultural benefits were considerable. This opened a field of possibilities and it took several years for the whole world to take note of it. However, let’s stay on the subject that concerns us: initially, websites had defined sizes. Everyone was going with his desire and his resolution: 800 pixels wide, 1024, etc. Since these values ​​are fixed, browsing sites that have been sized in this way was very problematic for mobile use. From then on, it was necessary to innovate and invent new solutions. Many developers have turned to Fluid Layout and Liquid Layout (more info here and there ). These two concepts allowed to exonerate constraints related to the resolution. The overall idea was to resize the page according to the window (the viewport ). This is how the percentages, the textual values ​​in em , etc. were used. But in no case did these solutions overcome an intuitive navigation, because they forced each visitor to zoom in and zoom out frantically. On the one hand it broke the rhythm, on the other hand it did not make it possible to distinguish between computer navigation and mobile navigation.

The age of reason: mobiles take power

This is how the responsive web design (or RWD) was born. The desire to split two visions of a website by making it adaptive. In addition, it was to respond to new habits: it was the end of mouse cursors. It was necessary to be able to analyze the pinch of the fingers, the use of the wheel with the sliding, the page change using the index to push, etc. All these little things, which look like nothing, have literally turned upside down the way of designing websites. Without even mentioning the weight management of the pages, the loading speeds of images, files of all kinds, fonts. 3G and even more 4G were not yet deployed at the national level but it was necessary to combine with flows considered often mediocre. The need to find a solution to all these problems became critical as smartphones multiplied to give the end user a better experience of their product.

A graphic that articulates according to the size of the window of the user.

This is when an independent web designer, Ethan Marcotte , will throw a pavement in the fed up. In his article, now historical and soberly titled Responsive Web Design , he infuses the idea of ​​a distinction between computer and mobile using media queries. These were implemented by the W3C ( World Wide Web Consortium ) when CSS3 (for Cascading Style Sheets ) was released. However, at that time, few browsers allowed them to be used , and when that was the case, there were often thorny problems . It was first Safari 3.1, the browser of California giant Apple, which first implemented a partial support of these famous media queries. It will be necessary to wait until June 2009 and version 4 for a complete support. Other browsers will follow, with Mozilla Firefox, Opera and finally Chrome early 2010. It is only a year later, in 2011, that the firm of Redmond, Microsoft , will decide to release the new version of its Internet Explorer web browser, including the addition and modification of certain standards, such as the use of media queries.

The present is connected objects and mobile first

With time, mentalities evolve. We went from computer to mobile. And with these changes, we now come to the final stage of our journey: mobile first. What is mobile first? As its name suggests, it’s about targeting mobile usage first. If we summarize briefly the story that describes our article, we quickly realize that since the dawn of time, everything comes from the computer version. While we adapt websites to mobile devices, they are designed primarily for computers. With mobile first, this is no longer the case: the site is first created for mobile use and only then we think about its computer version. It is a change and a total upheaval, which highlights the victory of connected objects. They relegated computers in just a decade. In recent years, there are more users who go on the Internet via their smartphone than via their computer. And these movements of crowd towards the all mobile force the developers and designers to constantly reflect on means of design always more user-friendly and thus mobile-friendly .

Mobile and tablet internet usage exceeds desktop for first time worldwide – StatCounter.com

Starting from the smallest common denominator (ie the telephone), we can adapt to ever larger media: tablets, computers, televisions … The resolution is no longer a problem and each support is in able to have its own interface, up to the limit allowed by the media queries and CSS. Because even though these technologies have been vectors of openness, they remain nonetheless limited and restricted. This is why some people no longer hesitate to define a completely autonomous version for different uses. Have you ever come across a site offering to browse its mobile version rather than its computer version? This is an old trick like the world, which still has the rib today, and that allows to completely split the supports. This solution has the advantage of developing an activity in total independence. It allows to better control what happens there, but also has inherent shortcomings in its condition: more codes, and therefore more development, maintenance, etc. This is why it is often the preserve of large groups (especially the press), like the New York Times or Monde.fr .

In conclusion

Having taken a step back and the height of view, it is interesting to note the shift of our society towards the mobile whole and more generally towards the technological whole. With the advent of computers, and even more so of smartphones, we have become a connected people. Never in the history of Humanity have we been so close to the six points of separation . This famous theory introduces the idea that it would take only six acquaintances to connect two people to each other on the globe. In other words, you would not be so far away from people like Barack Obama, Leonardo DiCaprio, Johnny Halliday or Mrs. Michu if you knew how to use your address book. And with the appearance of social networks, this chain would have even gone down to about 4.7 acquaintances .

How far will we go? Nobody knows. The use of mobile is today anchored in our daily life. To search for information, buy a pizza, make an appointment, listen to music, take photos … Not being on the Internet for a company can mean his death sentence. Just as not having a compatible website on these supports can mean a noticeable drop in revenue through a flagrant lack of communication. Many business leaders do not want to understand the emergence of the Internet, its impact, the loss of influence of computers and even more the vital need to enable the mobile navigation of their website. We will have been interested in this article to explain how these changes have allowed the world to evolve. It’s up to you not to let the train pass!

 

Which version management software should you use?

 

Whether it’s websites or software, development is not necessarily the prerogative of one person. Therefore, when you want to work collaboratively on a dedicated project – personal as professional, it appears inter alia differences in work, performance, synchronization, optimization and point of view. Collaborative development and, more generally, team and project management are whole areas of concepts and techniques that we will not tackle. Today, we will instead focus on software that combines productivity and teamwork, so that your developments remain fluid whatever the circumstances.

The usefulness of version control software

Image result for control software

A version control software (or VCS, for Version Control System or SCM for Source Code Management ) revolves around a very simple concept: the saving of all the modifications made on all the files of the project and the maintenance source code throughout the development process. In other words, it is a modern type of archiving with many features. This type of software is particularly effective for working on several versions at the same time. Thus, you can create several branches : the current branch (the production branch) and the future branch (the development branch). Impossible then to get tangled with the brushes. Another advantage: rollbacks . A shell somewhere? By having access to the historicity of files, you can retrieve and redeploy earlier versions. Or just to see what you did at a given time, if you or your collaborators were productive, etc.

Finally, they make it possible to collaborate better. They force us to work on a common base when we move to collaborative development. They distribute the files to each developer and force them to validate their changes by returning them to the software. In fact, teams can work simultaneously (or not), on similar branches (or not), but always keeping the files as up-to-date as possible. This is the end of compatibility issues and last-minute bugs. Finally, they allow dematerialization and synchronization in many parts of the world. Log in to the software and download the files, it’s as simple as a click of the mouse!

Discover SourceTree , a free Git and Mercurial SCM compatible client

Advantages :

  • They improve collaborative work: you can work simultaneously on the same files.
  • If changes occur in parallel, the merge function will do the job.
  • They help with general communication and information sharing.
  • They allow the development on several versions at the same time thanks to the branch system.
  • Archiving improves security (data loss) and maintenance (rollback in case of problems).
  • History allows statistics: who did what, when, how, and why.
  • They advocate the centralization of information and the use of a common foundation.
  • They force the validation of the changes by their visibilities to the rest of the team.
  • It’s fast and easy to use!

Disadvantages:

  • By centralizing information, they improve internal security but not external. Be careful.
  • At first glance, setting up and configuring such a solution can put off more than one.
  • There are plethora of features and their grip may require time.
  • They can quickly take up space according to the projects and the number of collaborators.
  • They require client software to connect to it and validate their work. It’s about finding the right one!

Git and GitHub, the power 2.0

Git collaborative software logo

There are many versioning software that can offer developers features for collaborative work. One of them stands out clearly: it is Git. Created by linux torvald , the founding father of the Linux kernel in 2005, Git has many followers and can now boast a base of about twelve million users.

If Git is so popular, it’s also partly thanks to the GitHub website. This developer social network hosts and manages millions of software development projects. It allows the sharing of information by proposing a system of management of bugs (or issue tracking system ), proposals of modification (or pull request ), a manager of task, a wiki, graphics (submission, contribution, frequencies, …) etc. True strike force since 2008, the year of its launch, GitHub evangelizes Git and converges the entire web community. In 2016, GitHub has 14 million users and 35 million repositories, making it the largest source code directory in the world.

  • The official Git software website
  • Git: A quick guide to getting started
  • GitHub For Dummies: No Panic, Get Started!

Mercurial SCM, simplicity and speed

Mercurial SCM collaborative software logo

Just like Git, Mercurial SCM is the versioning software that goes up. Available on Linux and Windows, it is released under the GNU / GPL license since 2005, the year of its launch. Moreover, the concomitance of the exit of Mercurial and Git ready to smile, it is barely 12 days! Based on the same principle of decentralization as Git, Mercurial offers functionalities close to its competitors, while invoking its great simplicity and speed of use. Indeed, Mercurial has proven itself in the management of large projects, in its ability to not have to use a server, through its web interface, in its management of branches and mergers.

  • The official website of the Mercurial SCM software
  • Get started with Mercurial
  • Hg Init: a Mercurial tutorial (in English)

Apache Subversion, or SVN for the friends

Logo of the Apache Subversion (SVN) collaborative software

Another big one among the big ones is Apache Subversion, or SVN. Subversion is free software developed by the Apache Software Foundation since 2000. Replacing the famous Concurrent Versions System or CVS software, Subversion essentially offers the same functionality as Git and Mercurial for teamwork. He is often an ancestor, but beware: the old man is strong and, although he is losing ground, he is still very fit for his age! So how do you differentiate them? Which one to choose ?

  • The official website of Apache Subversion
  • Introduction to Subversion
  • SVN tutorial (in English)

Git vs. Mercurial vs. Subversion, the game of 5 differences

  1. Centralization: this is the fundamental point of differentiation. Git and Mercurial are decentralized. When you use them, everything is hosted on both the server and your computer. You can work wherever you want, by plane, on the train, offline, etc. You have access to all the data of the deposit since they are downloaded in full on your machine. For Subversion which is a centralized system, this is not the case. You must connect to the depot server.
  2. Storage: Each system manages and stores its data in a different way. While Git advocates the use of metadata in a directory named .git, where all downloaded resources are located (tags, branches, version history, etc.), SVN only stores files. You will notice a noticeable difference in terms of storage space.
  3. Branches: Using branches is far easier with Git and Mercurial than with Subversion. Git and Mercurial manage everything and know which file should be merged or not. For Subversion, on the other hand, the branches are only the result of a repository directory. To merge branches, you will need to use special commands.
  4. Revisions: Subversion and Mercurial use a unique numbering for each revision of the files. This is not the case for Git. (For this one, find out more information and ways to get around this thorny problem in this article from StackOverflow.com .)
  5. Protection: the content in Git and Mercurial is encrypted using the SHA-1 ( Secure Hash Algorithm) algorithm. This avoids the corruption of a repository as a result of a problem sending over the Internet or the crash of a hard drive. This is not the case for Subversion.

For further comparison, this Wikipedia article (in English) brings together all the version control software helping you to better differentiate them according to protocols, portability and other features they have come to offer you.

Graph showing the evolution of searches on Google since 2004

This document shows, by a roundabout way, the popularity of a particular software solution based on the number of searches on Google over the years. If CVS was very popular in the 2000s, it is gradually losing ground to SVN. Then, in the 2010s, it is the turn of the latter to be dethroned by the ogre Git. Mercurial, finally, makes his merry way and stays in the neck and neck.

 

To conclude

The use of version control software is certainly not mandatory, however, it is an essential partner in the management of your projects. And that, no matter the number of collaborators. Moreover, many developers who use such systems while they are alone to program. Because, even beyond the collaborative aspect, they allow backup, deployment and portability of work without equal. So do not wait, lean on it! You will see, in the long run, these software ends up having only advantages.

 

What is the best web editor?

 

One day or another, the management of a website goes through the need to get your hands dirty. Whether it’s HTML, CSS, Javascript, PHP … it does not matter. Language is not important. Only the comfort of use, the features and the time saving count. The best web editor must provide you with all these qualities at once. Gone are the days of the Windows-style text editor where for a few lines of code it could do the trick. Today, we have much more needs and the programmers of these softwares have understood it.

A web editor, what for?

The web editor is the best companion of a website developer. He will help her in writing her programming code by providing a toolbox of tips and tricks. For example, the editor will set a different syntax highlighting for each programming language. He will take care of indenting the document (tabs, white spaces, block management) for better aeration. He can propose a system of auto-completion , in order to save time on certain repetitive declarations. In short, the features are legions. Some are useful, others futile, but all go in the same direction: to make you gain in efficiency.

There is a multitude of free, paid, installable or directly online web editors today. We could not name them all, and even if that were the case, it would be of no interest. So, let’s talk about those who are worth seeing. Let’s discover together the best web editors: namely those who really stand out.

Notepad ++, the Swiss army knife

Image result for notepad ++

When you install Notepad ++, it’s clear that your heart is not racing. Yet, under an appearance for the least old school with its little buttons and drawer menus never ending, hides a real Swiss army knife. Notepad ++ is undoubtedly one of the most beloved and most used web editors by the developer community . It’s very simple, this software is free, open source, very fast (it is coded in C ), it has a large library of plugins, it manages all programming languages ​​without flinching … Its only real flaw is its portability (it is only available on Windows) and its austere appearance (which you can still customize!).

Sublime Text, the wonderful

Image result for sublime text

Sublime Text is aptly named. His slogan ” The text editor you’ll fall in love with ” shows his ambition: that of raising your code to make it wonderful, in your eyes at least! For starters, Sublime Text is beautiful and functional. Finished the look to dad, here the graphics are neat, the ergonomics are licked, without breaking with the features.

By the way, let’s talk about it: one of the peculiarities of Sublime Text is its management of keyboard shortcuts and macros. With this editor, you can do everything in a simple and fast way: add or edit lines of code in several places at once, set bookmarks for certain portions, view the document in its entirety through a sidebar, etc. The Sublime Text software has an impressive eco-system of plugins, it is customizable, multiplatform (Windows, Mac and Linux), fast (coded in C and Python ) and updated very regularly. Its only two flaws: it is proprietary and it requires obtaining a final license (however, the trial version is complete and of unlimited duration). Its price: 70 US dollars.

  •  

Eclipse, the mastodon

Image result for eclipse web editor

Eclipse is an IDE ( Integrated Development Environment ) originally developed by IBM. The short history of the name of the software would come from the desire of IBM to shade Microsoft Visual Studio (IBM intends to eclipse its competitor). Unlike other web editors, Eclipse has the particularity to manage, internally, all phases of your project.

This veritable juggernaut will allow, among others: to code, model, conceptualize, versioning and test your code in any language and on any platform. Free software, open-source, available on Windows, Mac and Linux, Eclipse offers a large library of plugins, it is fully customizable and updated regularly. Only downside, it is coded in Java and is a gas plant. If you do not need all these features, using Eclipse can be akin to crushing a fly with a hammer!

Atom, the infinitely small with big ambitions

Image result for atom web editor

Atom is the latest addition to this list of web editors and IDEs that we propose to you. Developed by GitHub as an extension of their web hosting and software development management services, it intends to make this developer community the very essence of its DNA. Simple, beautiful and complete, Atom is a free software, open-source, multiplatform and fast (it is based on Chromium and coded in CoffeeScript ). Its particularity is its package management entirely based on the GitHub catalog. His only fault? He is a great talker. With the basic configuration without settings, Atom has the particularity of communicating to Google Analytics some of your actions. For the stated purpose of better understanding the use and performance of the software …

To conclude

I – the author, Steven BUTTARAZZI – develops on the web since 2003. In 13 years of programming, I knew a lot of free and paid web software. The first was, as far as I can remember, Adobe Dreamweaver . As mentioned at the beginning of this article, the software you will use is not important as long as it suits you in your way. Beyond the features of each, the best web editor is yours, and it chooses the feeling. Some will prefer Eclipse, others Atom or Sublime Text. As far as I am concerned, I have been coding for years under Notepad ++ and I am completely satisfied with it. He is not perfect, he does not have everything, it is not the most beautiful, but it is the one that suits me the most and that I control the best. And casually, it matters a lot. In your search for the ideal web editor, we advise you to download, test and keep an open mind. There are so many that you will end up finding a shoe to your foot. And that’s the point.

 

Computer security: passwords, a major problem on the Internet

 

Nowadays, we experience daily websites that require convoluted passwords consisting of upper and lower case letters, numbers, of a minimum number of characters. Some require you to change them every time, when they do not save your old passwords to compare them to the new ones to make sure you do not put the same ones back! We walk on the head. Of course, securing data on the Internet must be taken very seriously. But by doing so, it is the end consumer that is unwelcome. In the coming years, we must focus on a safer world that is also easier to use. Decryption.

Image result for computer security

The historicity of a perversion announced

Since the world is a world, or rather, since the Internet is Internet, it has always been necessary to secure certain data in order to privatize them, and on the other hand to be able to transform, analyze and then operate individually. From this observation and from a need related to privacy was born the need to have a password for almost everything. What began as a banal security system turned into a deformed creature where everyone does a little everything he wants in his corner, ignoring some rules of common sense yet crucial. Here are some examples that can be found everywhere on the Web:

In the end, the one who gets fucked is always the same: the consumer. Tired of providing passwords like a cash cow, he does the worst thing, he uses one and the same password for all the websites where he is registered. By doing so, and while he believes himself safe, he does not understand the evil of the thing. It is not so much the password that is to be called into question as the site on which it is used. Unaware of its management and security procedures, the password may very well be unencrypted in their database. Here is how we come to have a gaping security hole where, with a simple mistake, we can trace the entire thread of your personal data.

Passwords on the Web

Wondering what are the most used passwords on the Internet? Many analysts and computer security companies have done their little investigation. For example, this PDF gives you the 25 most common passwords on a list of 10 million passwords. Worse, this list offers 1.5 billion passwords in self-service! These results demonstrate the ceaseless failure of a system that has reached its peak. One day or the other, it will have to be put back flat and redesigned in the smallest details.

An example of childish hack to have passwords

Let’s start from the postulate that you want to register on the forum of a lambda site. We propose you to choose a username, give your e-mail address and your password. As usual, you give the password you use every day. However, what you do not know is that a person has set up a system to capture the password in clear before it is encrypted. In other words, the site administrator takes your password in plain text and stores it elsewhere for future use. Later, without realizing it, admitting that the password of your e-mail is the same one, it will be able to be introduced in your mail and reassemble all your information. Or, if it is a vicious person, he will find you with your email address on other sites and will reuse your credentials to pretend to you, exploit your data, and so on. As for you, you will see only fire and you will never know which initial site comes the problem, drowned that you are in the vastness of sites where you use each time the same process.

Never – NEVER – trust the Internet

Image result for computer security

It is often said that the problem occurs between the chair and the keyboard, says otherwise, that in the majority of cases the user is involved. The problem is not so much the lack of information as the naivety to believe oneself immune by submitting a complicated password. When you do not know the protocols used to secure and store your data, you do not have to trust. Whether it’s Mr. Smith, Google or Facebook. No company anywhere in the world can claim to have never had a data leak. Identity theft, theft of credit card numbers, e-mail addresses, passwords, phone numbers, etc. Everything is good to find, trace and exploit your personal data to sell to the highest bidder.

Single sign-on, the wrong good idea

For several years, one can see appearing unique authentication systems such as Facebook Login. They have a definite advantage, that of using a single account for a multitude of Internet sites. In fact, no need to register everywhere, you can now simply click to choose whether or not to deliver information to the site on which you are browsing. If it is a practical solution or relatively secure (let’s always be careful), it poses two major problems: privacy and centralization of information. Indeed, you agree to deliver all your data to a single entity (here Facebook) who will know your every move and the sites and / or applications that you use daily with their system. Finally, you agree to put all your eggs in one basket: by using a single authentication, the disclosure of your identifiers could allow a malicious person to do what he wants and exploit all your personal data. If, from a practical point of view, single sign-on is a revolution, in fact it is more of an ethical or even moral problem and therefore a false good idea. We will never repeat it enough: never trust the Internet, moreover, a company that makes the analysis of personal data its business.

Double authentication, a safe drift

If absurdity were to have a name, it would be double authentication. Not content to offer you a reliable service, this solution requires you to confirm that you are the sponsor and it is not an intrusion. After having entered your identifiers on your computer, you are obliged to validate all on your mobile. In other words, identifying yourself on two different solutions would be the guarantee of maximum security. It’s wrong. No system is 100% reliable, and if it is not the system that has a breach, it is the consumer and his naivety who will be responsible for completing the work (Apple is witness, more information in this article ). Conclusion: The most developed system in the world will never prevent someone from wanting to infiltrate it and to do it one day or another. It would be really very kind and courteous to stop going upmarket on ever more intrusive systems.

The importance of returning to the fundamentals

As we have just seen, security is shifting towards increasingly complex and abusive protocols and uses. While we must obviously innovate on the management and security of passwords, it seems important to return to the fundamentals of communication and education of Internet users. But then, how to combine security and ease of use?

Tools for users

Image result for computer security

It is crucial to use different passwords for each website. For this, many random generators exist on the Internet. For example, the Password Generator site gives you the ability to configure a variety of options to create complex and secure passwords of varying length. The official Norton antivirus website also delivers an identical service to generate a random password . Finally, you can turn to the site Strong Random Password which is not outdone as regards the generation options. Of course, once these passwords have been generated, they should be remembered.

For this, several options are available to you:

  1. Save the passwords in the browser. This is the most common use. This is good for unpretentious sites that do not have information of significant value to you. Never forget that if someone uses your computer without your knowledge, this method will allow them to pretend to be neither known nor seen.
  2. Write the passwords in a text file (or on a piece of paper). It is to proscribe. In the first case, a simple file can travel through a network and end up in unscrupulous hands. The second case is hardly safer, because you export sensitive information on another medium. What about a person who takes it or makes a simple photocopy?
  3. Save passwords in software. This solution seems to be the most appropriate at present. Several password backup software exist. For example, Keepass proposes to save all your passwords in an internal and encrypted database. The advantage is twofold: passwords remain on your computer (they do not transit the network or in a cloud). To access the entire list, it will be enough of a main password. You just have to remember a single password to unlock the list of all others. A simple, practical, private and secure solution.

An idea to think about for developers

Here is an idea to increase security without exasperating users. Warning: this solution can be (very, maybe too much?) Complicated to implement! Moreover, it could pose to some a philosophical problem.

  1. Only require one criterion. A password of minimum 10 characters!
  2. Use Unicode. It may be the door open to all excesses . But validating the use of Unicode gives many more possibilities with different languages ​​(Arabic, Chinese, etc.) and even emojis. Such a system can be very effective but should not be taken lightly because the use of certain special characters can be abusive.
  3. Calculate the entropy. At the end of the chain, it will be necessary to calculate the entropy of the password to validate it or not according to well-defined criteria. The entropy of a password is a measure to calculate its predictability. The password must therefore go through several steps: length, uppercase / lowercase / numbers, special characters, if it is an existing or imaginary word, if it contains the same characters as the pseudonym (even in the disorder!), etc.
  4. Explain, educate and validate. You must be able to communicate on the entropic value of the password and therefore its score (for example on 100). And if, whatever the score, the user still chooses to put this password, so let him do it is his free will. Let’s finish with the habit of imposing everything on others. Here, the explanation and education premium. The system evaluates, the user makes the final decision and assumes the future consequences. Is not this the name of the word Liberté?

In conclusion

In conclusion of this article, it seems to us essential to emphasize our positions in education and not obligation. Password loopholes and computer security as a whole are not a binary problem made of black and white, but rather a multitude of gray where many stakeholders may turn out to be the weakest link. Too often, the user is denigrated as being this failing item. Yet, many companies are victims, each day, theft of personal data while the user, it is not for nothing. In this set of actors, it is important that everyone understands their place and their role. The company must secure its data without harassing its public too abusive procedures. The Internet user, meanwhile, must understand the issues to better act. Only by focusing as much on education as on communication will we create a better web.