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Personal notes are handy for backing up texts and text blocks and can be used for various purposes. Under: Edit profile » User memo you can create any text, of course also formatted, and store and sort them into folders. Later you can use them as reminders, text templates or blocks or as a storage for web links, for example.
Once you have saved notes you will be able to use them system-wide in the WYSIWYG editor. There you can easily insert your stored texts, and of course several times, which can save you a lot of typing work.