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The 6 Best High-Interest Checking Accounts for Letting Your Money Grow

You’ve probably always thought that if you want to earn interest on your money, you move it to a savings account. Your checking account is just for paying bills and the like, right? Not anymore. 

With the rise of online-only banks that don’t have the overhead of brick-and-mortar locations, the competition for your checking dollars has gotten fierce. One of the big benefits of this battle is that many banks are now offering interest-yielding checking accounts. And while you may not rake in giant interest rates, you can definitely earn a little something on that money — and why wouldn’t you?

Here are our top six high-interest checking accounts that could help your money grow.

How We Picked the 6 Best Checking Accounts That Pay Interest

Our methodology for this list is pretty simple: According to the FDIC, the average interest rate for interest-bearing checking accounts is currently 0.05%. We’re looking for checking accounts that beat that average.

Beyond the interest rate, we looked at what else the account brings to the table. We gave preference to those accounts that don’t have maintenance fees or high minimum balances and that offer ATM fee reimbursement. 

The 6 Best High-Interest Checking Accounts

Without further adieu, here are the six best high-interest checking accounts where you can use your money and make a little money at the same time.

1. SoFi 

One of the highest interest rates we’ve found for an online checking account is from SoFi Money. That checking account earns you 1.6% APY, or annual percentage yield, which is percent in interest (including compound interest) you’ll earn on your money in a year.

Frankly, that’s practically unheard of. That’s more than 32 times higher than the average interest-bearing checking account. Heck, it’s better than the rate on a lot of savings accounts.

SoFi Money takes a number of steps to make the transition to online banking easy:

  • ATMs: With automatic reimbursement of ATM fees, you can use just about any ATM anywhere for free.
  • Checks: If you occasionally need a physical check — to pay your landlord or whatever — you can get checks from SoFi for free.
  • Website: SoFi’s website and mobile apps have detailed FAQs, and they make it simple and easy for you to find any information you want.

2. NDKC Personal Checking

The NBKC Personal Checking Account offers 1.01% interest on all balances and has no minimum balance requirement. That’s a pretty sweet deal at 20 times the national average. It also features $0 overdraft and non-sufficient funds charges, so if you tend to overextend your money, you won’t get dinged. 

Do you use ATMs? NBKC Personal Checking also offers up to $12 monthly to refund those pesky ATM fees.

This account has a minimum opening deposit of $5, but you’d probably deposit at least that much anyway. 

3. Memory Bank

You may not have heard of Memory Bank. Or maybe you did and you just forgot. (Get it?) Anyhoo, Memory Bank’s EarnMore Checking Account is another great option for a high-interest checking account with 0.90% APY. 

Memory Bank is a great choice for those of us who like the perks of online banking, but also want to know that we can get personal service when we need it. They offer live support by phone, email, or online chat. That can be a great benefit when you just need to ask a quick question, but don’t want to get stuck on an automated phone system for an hour. 

4. Capital One 360

The real beauty of the Capital One 360 Checking Account is the pure ease of its online banking setup. Both the website and the app are remarkably intuitive. Plus, you won’t have any minimum balance or fees to deal with. 

The base APY right now for the Capital One 360 is 0.2%, which is a respectable four times the national average. However, if you manage to save up a little, you’ll earn even more. Balances from $50,000 to $100,000 earn 0.5%. Balances above $100,000 earn 0.75%. 

5. Charles Schwab

OK, when you think Charles Schwab, you probably don’t think about checking accounts. That could change. Its High Yield Investor Checking is a free account that earns 0.15% APY on your balance. 

It also features unlimited ATM fee rebates worldwide. That’s pretty cool if you travel a lot. 

This account has no minimum balance, no minimum opening deposit and no maintenance fees. 

There is one catch: You need to have a Schwab One brokerage account linked to your checking to avoid maintenance fees. It may not be for everybody, but if you already invest, why not take advantage of it? 

6. Ally Interest Checking Account

As the name suggests, you’ll earn interest with the Ally Interest Checking Account. For balances under $15,000, you’ll earn 0.1%, which isn’t all that remarkable. 

But, if you tend to have $15,000 or more on hand, you can earn 0.5%. While 0.5% may not seem like much, that’s 10 times the national average for checking accounts that pay interest. 

Ally’s Interest Checking really makes its mark with the other perks. The account has:

  • No maintenance fees.
  • No minimum balance requirement.
  • No minimum opening deposit.
  • Easy online access.

Another nice perk is that Ally will reimburse you for up to $10 worth of ATM fees charged by other banks per statement cycle. 

How to Choose a High-Interest Checking Account

If you’re thinking about moving to a high-interest checking account, take a few things into consideration.

  • Look for accounts that won’t negate those interest earnings by charging you fees. However, if you will carry a high balance, it may be worth paying a small fee to get a better interest rate. Do the math.
  • Keep an eye on minimum balance requirements. We focused on accounts that don’t require a minimum balance, but if you know that you’ll consistently have at least $1,000 in your account at all times, you may want to shop around a bit more. There may be a great deal out there.
  • Look at the requirements. Maybe you don’t use your debit card that much or you don’t want to have direct deposit. Choose an account that fits with the way you like to use your account.
  • Keep ATMs in mind if you use them. It’s 2019, and you shouldn’t have to pay those fees. There are too many banks that are willing to cover those for you.
  • The app. If you do a lot of banking on your phone, make sure the bank you choose has a solid banking app.

Once you find the checking account that checks all the right boxes for you and how you like to use your account, sign up and start earning money on your money already. 

Tyler Omoth is a freelance writer covering topics from personal finance to career advice and even lawn care. His work has been featured on TopResume.com, Writersweekly.com and more. He is also the author of over 70 educational books for children and a proud parent of twin toddlers.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

The Price Tag for Climate Change Is in the Trillions

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If you ask the average person in the U.S. about global warming, you’ll learn a lot about how they were raised, who they trust, and how they elect. It’s tempting to think of climate change as a culture concern rather than, say, a fiscal one. At epoches the conversation can feel abstract or otherworldly, as if driven more by personal feelings or notions than the actual, cloth concerns of the present moment.

As three diaries secreted this fall illustrate, anthropogenic climate change is, in fact, once a trillion-dollar category of fiscal pleasure. This has been well-documented by writers and organizers like Naomi Klein and Bill McKibben, but bankers, makes, middlemen, makes, oil-tank works, Marine Corps colonels, insurers, and technologists likewise share in the consensus. To numerous in these professings, it is abundantly clear that the U.S. deduced a century and a half of consolation and safety from the assumption that fossil fuels did very best than suffering and were available in infinite supply. It was recreation. But now anyone who cherishes that convenience and safety will have to adjust their plans and rethink how they labour, invest, cros, or simply make a living.

In denying the reality of climate change, numerous commentators image these adjustments as prohibitively expensive or a magnet for careless spend. Staying the course, nonetheless, can be even more wasteful. As Pulitzer Prize winner Gilbert Gaul discovers in his probing new journal The Geography of Risk: Epic Storms, Rising Seas, and the Cost of America’s Seashore ($ 28, Sarah Crichton ), the ever more frequent hundred-year typhoons of the past two decades have already cost taxpayers hundreds of billions of dollars. And perversely, these costs create a windfall for FEMA, the Army Corps of Operator, and other agencies that help towns and cities removed from floods.

While these parties aren’t inherently corrupt, their work relies on a continue hertz of house and rehabilitating along the Gulf of Mexico and Atlantic Ocean. The authority can’t help but enable this: after every major storm, politicians inspection the vacated vicinities and shredded boardwalks, vowing to bring beach parishes back to full forte. Real estate properties interests gestured in agreement–if a town can’t rebuild, then property appraises collapse–and government gifts are handed out to reconstruct homes and replace the beach, with no guarantee that they’ll stay in place. A few years later, they’re washed away again, and the hertz echoes. “Instead of homeowners withdrawing out of harm’s way, they build back, often in the same dangerous spots, ” Gaul writes. “Insurance fund and federal facilitate gasoline house spurts. Plungers and developers bid up prices. Land races follow.”

Once federal assets are available, it can be hard to keep track of how they’re handed out. In lieu like Florida and Alabama, the government assists subsidize inundate guarantee well unaffordable on the open market. After Hurricane Sandy, calls to restore homes and jobs in New Jersey resulted in FEMA spending $204,000 on a hockey rink and $194,000 on a baseball field. In one case, succour fund was spent on restores for an apartment complex that was more than 50 miles from the seas and oceans. Even the recipients of second homes can qualify for public assistance, and replenishing out the works, according to Gaul, has become “an industry unto itself.” And not only real estate: tourism, transportation, recreation, and friendlines all have an incentive to profess the coasts aren’t disappearing and hit up the feds to reconstruct their seas. Clearly, there’s a reading about developing our coastlines to be learned from Gaul’s reporting, but it’s not one that everyone is ready to hear.

Jeremy Rifkin, a consultant and business professor at the University of Pennsylvania, depicts a more joyful envision in The Green New Deal: Why the Fossil Fuel Civilization Will Collapse by 2028, and the Bold Economic Plan to Save Life on Earth ($ 28, St. Martin’s Press ). Noting trends in renewable energy in the European Union and China, where the solar manufacture is prospering, Rifkin foretells a world in which fossil fuels rapidly lose their competitive advantage over firms based on renewables. In the U.S ., he sees this displacement to move to a big restructuring of the economy. He’s convinced that worker pension funds, worth $25.4 trillion, will soon pull their speculations out of oil and gas, and that new technologies will realise communication, logistics, structure, and agriculture more effective, causing vitality rates to fall even further. All of this, apparently, will lead to a “showdown” between solar and gust intensities and the fossil-fuel industry, which Rifkin quarrels will take place within about ten years.

It’s a fearless prophecy, resting on peer-reviewed papers and abundance of easy arithmetic–right down to the amount the U.S. should invest in fossil-fuel-free infrastructure if it wants to stay competitive. Unfortunately, Rifkin relies on a lot of slippage between the conditional and future tense, and he doesn’t ever differentiate between how he hopes things should go and what will actually happen. Somehow it’s taken as a given that Americans regularly follow their own best interests, be recorded in the vigor sector, and that no party has greater influence than it is desirable to. “The thing to bear in mind is that the collapse of the fossil fuel civilization is inevitable, despite additional efforts by the fossil fuel industries to forestall it, ” Rifkin writes. “Market troops are far more powerful than whatever lobbying movements the fossil fuel industry might entertain.”

If this hope is justified, then we’d have to assume that oil and gas fellowships knowingly spent $84 million in 2018 on expedition contributions to U.S. senators and congressmen like Ted Cruz, Beto O’Rourke, Kevin Cramer, and John Barrasso, without expecting anything in return. I’d love to think Rifkin has assessed the fossil-fuel lobby moderately, but that is an extremely large sum to shake off–or to exclude from any discussion of “market makes, ” as if lobbying were somehow separate from these companies’ plans for survival. I’ve never met a fossil-fuel lobbyist, but I expect they’re not messing around.

You know who else isn’t messing around? The Pentagon. Michael Klare, a justification reporter for The Nation and an columnist of 17 diaries on geopolitics, has all the material he needs to write a military espionage thriller set in 2035. His newest book, All Hell Breaking Loose: The Pentagon’s Perspective on Climate Change ($ 30, Metropolitan Books ), isn’t desperate to entertain, but it will mesmerize anyone who wants to know how warming seas and scarce riches might affect the work of the armed forces. In one scenario, Klare describes a shortage in the Countries of the middle east that begins a spike in menu costs, forcing millions of farm families to leave the countryside. In the cities, ethnic conflict intensifies into a civil war, menacing collaborators and catalyzing a migration crisis. At the very least, the U.S. armed would have a humanitarian role to play, but perhaps relief operations are also needed at home, following a tropical storm in the Southeast, a fill in the Midwest, or a cholera outbreak in the Caribbean. The Arctic has become a busy place, extremely, as melting ice caps have formed mineral distillation most profitable and contentious. Meanwhile, the military’s own groundworks must adapt to the effects of storm surges, wildfires, and precarious shorelines. All of these things are easy to imagine, of course, because they’ve already happened. What comes next is even scarier. “If the Pentagon itself frightfuls a perturbed, chaotic life like this–even if alone out of its own institutional concern about armed’ overstretch’–all the rest of us should be at least as startled, ” Klare writes.

Preparing for these scenarios is expensive–but not as expensive as ignoring them. After a typhoon, it could cost$ 5 billion to reconstruct an Air Force base or over $300 million to replace a single F-2 2 Raptor aircraft. Again, these definitely sounds like fleshes that Jack Ryan might rattle off to the president, but they are 100 percent nonfiction. And although some military sources use opaque conversation or jargon to describe the costs of doing nothing, Klare knows people who lay them out quite clearly. In the best passage in the book, he describes the unfailingly polite admiral Sam Locklear , commander of the U.S. Pacific Command, speaking to senator Jim Inhofe, a Republican from Oklahoma and an outspoken rival of climate regulation, during a meeting of the Armed Work Committee on Capitol hill. When Inhofe pushes Locklear to utter doubts about climate change and endorse the full-scale exploitation of America’s domestic energy supplies, the admiral bides silent. It’s awkward and grating to see Inhofe try and threw messages into the admiral’s mouth, but after various assaults, he discontinues and changes the subject.

The entire exchange previous another minute or two. Maybe, if there were space in the committee’s schedule, Locklear would have made a more earnest attempt to convert a serviceman who credits all climate and environment to heavenly will. But like most people, he was simply more preoccupied with his indebtedness now on earth. These obligations are serious and urgent and leave little time to wrestle with another adult’s concept of self-sufficiency, individual virtue, or the “wise use” of natural resources. By speaking the space he does about global warming, Inhofe may present himself as a astute and worldly operator, rather than someone whose feelings and faiths have begun to collide, more and more, with how much things actually expense. But for the rest of us: those costs are real, and they are already immense. Frankly, Inhofe’s feelings don’t matter.

Read more: outsideonline.com

Scared of money? (Why & how to overcome your fear today)

The more I see people talk about money, the more I see how SCARED we are of it.

How we let others poison our views of money.

And how easily we use negative words to describe it.

Here’s an email I got from someone who read my book, I Will Teach You To Be Rich. What do you notice?

“Frick it, I guess I’ll write the email…

Money stresses me out. My parents didn’t teach me anything about it and I’m very dependent right now. I did a year of nonprofit and made about 10k after taxes and it was miserable, so I figured if I can pull that off for one year then I can make it work. And I did! But I don’t know if I’ll hit it this year (it’s a bit depressing and a big source of anxiety). I think time is the name of the game though, the career is moving forward, hopefully, game sales will kick in passive income.

For the “rich life” I’m a simple person. I want enough money to be able to travel. I want to own a dog. I want a kitchen with an island. I want to have a nice desktop and a nice coffee table. My partner doesn’t want to own a house but I kind of do. Since I don’t have a full-time job outside of my freelancing which is currently in a drought period, I don’t have really ANY money, averaging about $250 a week.”

My response:

“Good stuff. Great to meet you

Now I want you to look at your email and count the number of times you use negative words to describe your life/money. How many do you count?”

His response (notice the skepticism):

“Ha, I can’t tell if this was an automated message or not but you got me there!

Depending on your definition, about 6-10.”

6-10 IN A SHORT-ASS EMAIL. (Well, compared to the kinds I write…like the one you’re reading. LOL.) Finally, my response:

It’s not automated.

Good!

Now, can you rewrite that entire email to be POSITIVE instead of negative? Send it over my way.

This guy didn’t even notice his reflexive negativity with money. It’s become like a dull toothache, something he gets used to. And since negativity is his worldview — the “lens” through which he views everything — I guarantee it’s an invisible “drag” on his entire life.

I asked him to rewrite his email to be POSITIVE instead of negative because sometimes, it takes someone pointing out your pattern to shake you out of it.

America

When I talk to people about money, here are the most common words they use to describe it:

“Anxious”

“Stressed”

“Is it too late”

(What words come to mind for you?)

But it’s even more revealing when you listen to the ways they talk about money.

What they say: “What’s my Rich Life? Well, I just want to go on vacation with my kids a couple times a year, nothing fancy…”
What they really mean: Notice those last two words — “nothing fancy.” When people talk about their Rich Lives, they almost always minimize their own dreams. When you’ve spent your entire life worrying about what can go wrong with money, it’s almost impossible to dream.

What they say: “How do I KNOW your programs will work?” OR “Will this book work for me if I live in Bolivia and I have a lazy left eye and I only eat mussels on Mondays?”

What they really mean: “I have a finite amount of money. If I spend it here, I need to know it will absolutely work, otherwise, I will have wasted my money…and there’s no way for me to ever earn more”

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Are you about to say what I think you’re about to say?

What they say: “Even if I made $250,000/year, I wouldn’t eat out at a nice restaurant like that. What a waste!”

What they really mean: “I have never eaten at a place like that and I don’t want to be the kind of person who “has” to go there to enjoy food. I’m simple.” (One level deeper: “I’m nervous that if I ate there, I might actually like it. I don’t trust myself to avoid going there every single week and spending all of my money”)

What they say: “I shouldn’t get a credit card.”

What they actually mean: “I don’t trust myself to control my spending, therefore I need to restrict myself”

What they say: “I went to [ANY FOREIGN COUNTRY] and they tried to rip me off because I was an American”

What they really mean: “Well, yeah, I could have afforded an extra $5 for those postcards…but I HATE BEING RIPPED OFF. If someone else is winning and I am losing, I HATE IT”

So many of us make day-to-day money decisions, never understanding the “invisible scripts” that actually guide these decisions. And in America, money is driven by FEAR.

FEAR that we’ll never have enough.

FEAR that we can’t make more of it.

And FEAR that someone will judge us for our spending — or even what we want to spend on.

I hate this. That’s why I show you how to identify your Money Dials, the things you LOVE spending on, then I show you how to spend MORE on it.

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Talking to a small group about money psychology. On book tour, I hosted private events in NYC event at Thompson Square Studios (NYC) and our Hills Penthouse (West Hollywood). As a reader of IWT, you can get your first month free at either of these locations. Please reach out directly to chelsea@thompsonhousegroup.com

I also show you how to get psychologically comfortable with the idea of changing your identity. People say “Money changes people,” in disgust, as if it’s a bad thing. Money should change you! It should let you dream bigger, it should let you live an easier or more adventurous life, and it should let you bring others with you (learn about the psychology of the wealthy).

But you can’t do that if you’re stuck thinking about money as a source of anxiety and fear.

An interviewer recently asked me what I would change from my 20s. I said, “I would have more FUN. I was too rigid. But the times where I had the most fun and I was the most successful was I just loosened up and tried a bunch of new things”

With money, try these different approaches.

Know that you can trust yourself. Know that you can eat at a really nice restaurant once for the experience — and truly enjoy it — but trust that I’m not going to trip and fall and end up going there every single week. You can also use credit cards without overspending (follow the systems in my book). You can pay off your debt and stay out of debt. You can become Rich and do good. Trust yourself.

Know that you can create more money. You can negotiate your salary — or find an entirely new job. You can start a business, even if you don’t have an idea. You can build your network to sidestep people with 10 years’ more experience than you — and get perks you’ve never dreamed of. All of those things can dramatically increase your income. Above all, your money is not a fixed pie that you have to exhaustively guard and protect. You can also expand the size of your pie.

Stop being afraid of waste. In puritanical America, one of the biggest no-nos is WASTE. Oh no! Ramit, if I start spending more on the things I love, I might “waste” some of my money!

How do I “KNOW” that your book will solve my exact, highly specific problem that I worry about every fucking day of my life? If it doesn’t, I’ve wasted $10!!!! Scammer!!!

Oh no! Ramit, what if I hire someone and they don’t handle my SEO, my WordPress uploads, design all my graphics, triple my conversion rates, write my entire email funnel, and create a new webinar system? I might have WaSTed the $13/hour I tried to pay them!!

Oh no, there’s so much government waste! We should ONLY focus on cutting government waste. Especially that one thing I really hate. What? It only represents 0.03% of total spend? No, that can’t be right. Anyway, we need to handle WaSTe. Also, don’t talk about raising my historically low taxes, you socialist.

If you spend your entire life worrying about waste, you miss a simple fact of life: In any system of sufficient complexity, there will always be waste. Yes, you should take measures to control it, but you should also accept that there will be a certain amount of waste — and move on!

I know that I’m going to buy courses and attend conferences that won’t be perfect for me. I know I’m going to eat at a restaurant that’s unmemorable. I know I’m going to make bad hires.

SO WHAT?

I’d rather try new experiences and learn with each one…than to sit back and let the bogeyman of “waste” scare me from doing anything at all.

So much of personal finance advice take your latent fears and heightens them.

NO! Don’t use a credit card, you might overspend a little!

NO! Don’t eat out at that restaurant, what a waste!

NO! Don’t try to negotiate your salary, you should just be happy you have a job!

If you spent the last ten years worrying about your waste and all the bad things you might do, you’ve accepted the message that you should be SCARED. That you’re an organism that simply reacts to whatever’s around you — that you have no agency or control.

Meanwhile, the people who have gone on offense have taken control of their own finances, their own psychology, started to earn more, and happily spend on the things they love. No anxiety. Just confidence and the systems to back it up.

You listen to these fears and end up frightened and anxious, sitting around worrying about all the things that can go wrong with money.

Or you can go on offense. You can take control of your money.

You can build a plan to spend extravagantly on the things you love.

You can EMBRACE making mistakes, knowing you’ll waste a little money, but it’s fine, because over the long term, those mistakes are minor, and you can create more wealth for yourselves.

You choose.

In my book, I wrote this:

Play offense, not defense. Too many of us play defense with our finances. We wait until the end of the month, then look at our spending and shrug: “I guess I spent that much.” We accept onerous fees. We don’t question complicated advice because it’s given to us in a language we don’t understand. In this book, I’ll teach you to go on offense with your credit cards, your banks, your investments, and even your own money psychology. My goal is for you to craft your own Rich Life by the end of Chapter 9. Get aggressive! No one’s going to do it for you.

My dream is for you to remove the shackles of negativity around money. To decide what you LOVE spending on, and spend more on it, so money goes from a source of anxiety and doubts to a source of joy and possibility and purpose.
Bolivia

Get my book here

And comment here if this resonates with you. I want to hear from you.

Scared of money? (Why & how to overcome your fear today) is a post from: I Will Teach You To Be Rich.

$95 Groceries Purchased + Weekly Menu Plan for 8

Want to see what we bought for this week’s $70 grocery budget? I’m currently challenging myself to stick with a $70 budget for our family of five. This includes almost all of our breakfasts, lunches, snacks, and dinners + most household products (toiletries, laundry soap, etc.).

For live updates, be sure to follow my Instagram Stories. See all posts on my $70 Grocery Budget here.

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We Were a Family of 8 (+ baby!) This Week!

We had a very unexpected, but blessed and stretching week this week! I mentioned last weekend that we took in three kids for a temporary foster care placement (ages 13, 11, and 3). They ended up staying the entire week instead of just the weekend since they are still working to find permanent placement for them (and we didn’t want them to be sleeping in the DCS office this week — something that often happens in these cases, sadly.)

It was interesting to go from 3 kids and one on the way to having a 14, 13, 12, 11, 10, and 3 year old + baby on the way. We had to re-remember how to do the whole car seat thing (which we quickly discovered we were very rusty in!) and shopping with a three-year-old! 🙂

We’ve had so many special moments and made so many fun memories and I’m grateful for the opportunity for us to pour into these sweet kids! We also bought quite a few more groceries than normal since I wanted to make sure to have plenty of their favorite foods and also because 13-year-old boys who are 6 feet tall eat a lot! 😉

(By the way, this week reminded me of how grateful I am that I have such a great stockpile of all sorts of things on hand. It definitely helped allow us to have lots of different meal and snack options without having to keep running to the store or spending a bunch of extra $$ on full-priced groceries!)

Here were the groceries we bought this week…

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Kroger Shopping Trip #1:

  • 2 Barilla microwave meals — marked down to $0.79 each
  • 1 dozen eggs — marked down to $0.49
  • 2 Ore-ida Mashed Potatoes — marked down to $0.39 each
  • 3 St. Ives Sheet Masks — marked down to $0.89 each
  • 2 dozen cage-free eggs — marked down to $1.29 each
  • Garlic Bread — marked down to $1.89
  • 2 cartons Minute Maid Peach Punch — marked down to $0.89 each
  • Stoneyfield Yogurt — marked down to $0.99
  • Green Grapes — $3.36
  • Red Grapes — $4.58
  • Lettuce — $1.79
  • 7 Simple Truth Yogurts — marked down to $0.29 each
  • 2 cartons of raspberries — $1.25 each
  • 4 bags of apples — marked down to $0.99 each
  • 1 bag of avocados — marked down to $0.99
  • 1 bag of potatoes — $1.99
  • 2% milk — $2.59
  • Whole milk — $2.99
  • 2 Stayfree pads — $1.99 each when you buy 5 participating items, used $3/2 Kroger digital coupon = $0.49 each
  • 2 Colgate toothpaste — $1.99 each when you buy 5 participating items, used $4/2 Kroger digital coupon = free after coupon
  • Simple Truth Tortilla Chips — $0.99 when you buy 5 participating items
  • Total with tax: $44.90

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There was this HUGE section of dairy markdowns at the store one of the days I went this week! I wished I had more refrigerator space because I would have bought more!

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Kroger Shopping Trip #2:

  • 3 boxes of Kroger cereal — $1.49 each
  • 2 boxes of Coconut Cheerios — marked down to $0.79 each
  • 4 Stoneyfield yogurts — marked down to $0.29 each
  • Kroger rolls — marked down to $1.09
  • 4 6-packs of Danimals drinkable yogurts — marked down to $0.49 each
  • 2 2-packs of Oui yogurts — marked down to $1.09 each
  • 4 bags Kroger potatoes — marked down to $1.49 each
  • 2 Simple Truth yogurts — marked down to $0.29 each
  • 1 can of carrots — marked down to $0.29
  • 5 bags of Birdseye frozen veggies — $1 each when you buy 5 participating items
  • Total with tax: $33.33

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Kroger Shopping Trip #3:

I wasn’t planning to go to Kroger a third time, but when I saw their deal on cheese over the weekend, I knew I had to run by there again!

  • 5 packages of Kroger cheese — $1.29 each with weekend deal
  • 1 gallon of water — $0.89
  • 2 bottles of apple juice — marked down to $0.89 each
  • 1 bag of onions — marked down to $0.99
  • 5 boxes of Jolly Time popcorn — $0.99 each when you buy 5 participating items (only 3 are shown because Kathrynne took two boxes to school for a party)
  • 1 loaf French bread — marked down to $0.99 each
  • Total with tax: $17.27

This Week’s Dinners:

Monday: Ritzy Chicken and Peas (the three kids we’re taking care of were with their worker this evening and we just had a crazy simple dinner because we had three different places to be this evening!)

Tuesday: Homemade Rotisserie Chicken in the Crockpot, Mashed Potatoes, Peas, Grapes, Garlic Bread.

Wednesday: Barbecued Meatballs, Cinnamon Apples in the Instant Pot, Roasted Broccoli, Mashed Potatoes, Rolls

Thursday: Dinner provided by Brown Bag (My friend coordinated with them to have them make dinner for us — something that they offer free of charge to foster families! How kind and amazing is that??)

Friday: Salad, Grapes, Ritzy Chicken Casserole, Leftover Corn & Peas, Leftover Mashed Potatoes, Garlic Bread

Saturday: Dinner out

Plan for Sunday: Steak, Roasted Potatoes, Roasted Broccoli, Grapes, Leftover Garlic Bread

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How Freelancers Can Save on the Cost of Running a Business

When I first started freelancing, I kept very little money into my business. I’m talking essentially next to zilch. Besides investing in a reliable laptop, I paid network hosting for my blog, and for a monthly subscription for an online backup service to safeguard my computer files.

Fast forward to the present, and while I now expend a bit more — hello health insurance, hiring independent contractors and professional forums — I still can be wary about spend money precisely to appear like I have a successful business. Instead, I determine my expenses and make sure they’re worth the spend.

If you’re like me and like to run a lean operation, or are a newbie freelancer just starting out and are working with a barebones budget, here are some spoofs to help you save some beans while building your solopreneur business 😛 TAGEND Hacker Free Tools

There are a handful of free productivity implements that you can use you help you save. For speciman, I use the free form of Toggl, which is a time tracker, to guess how much go I spend on my namings. As a scribe, I parse out how much day I spend on different aspects of an essay: research and outlining, writing, and editing to determine how much I’m truly been paid per piece.

What’s more, by figuring out how much term I actually spend on an essay, I is used to determine my how much I should blame. Not simply do I save money but not spending money on software, but I can boost my earnings by charging a fair rate.

Another way you can hack free tools? Jump on advertisements. For speciman, the online backup service I subscribe to sometimes offers a free month if I revive early. Or, for transcription services, sign up for Otter.ai and you can score 600 free minutes per month, points out Drew DuBoff, a proliferation strategist and outsourcing expert. This are capable of save you $100 a few months, depending on how often you transcribe interviews.

Avoid Payment Transfer Fees

Those payment processing fees can add up soon. Instead, aim to receive payment by ACH or via a check. “Receiving a check escapes the hefty 3% processing costs many fee fellowships charge today, ” says Lance Cothern, founder of Money Manifesto. “Most big companies are used to sending out checks anyway.”

Avoiding those rewards have readily saved Cothern $ 300 a month, which computes up to $ 3,600 a year. While the downside is that you have to wait a few days longer to receive them in the mail, if it won’t mess with your cash flow , opt for a check remittance. I personally don’t mind check, but request electronic payments as the money arrives quicker and I don’t have to worry about a check coming lost in transit.

Cowork for Free

You can nix the monthly coworking body fee of $200 and uphills and hacker your course to gain access to co-working openings. How? By making friends with other freelancers who are members at coworking gaps near you, shares freelance copywriter Krista Walsh. Some of these infinites render guest passes for their members.

“Inevitably, you’ll get to tag a long a few terms or get invited to the networking incidents — without pay the thousands of dollars a month to be a member yourself.” Walsh herself has done so five different co-working cavities in Los Angeles from buddies, and most of them she’s toured on several opportunities. That’s $ 200 to $500 a few months in savings right there. “Of course, the benefits aren’t the same as being a member, ” says Walsh, “but if you’re comfortable at your residence workspace and just want to’ got to get out more, ’ it’s awesome.”

Besides gaining access through your freelancing collaborators, some co-working seats have free co-working days where anyone can attend. In my metropoli of Los Angeles, there are a handful of co-working openings that proposal free dates on the regular. What’s more, you might be able to do a free one-day trial to check out a space.

Conclude the Most of Your Library

Take advantage of the free programs and resources available at your local library, shows columnist Melissa Whitten. Besides checking out journals and digital resources gratis, you could skip coworking seats and honcho over to your local library to get some labour done.

As Whitten points out, some libraries even offer professional networking groups that include free print, and their staff can help you locate resources to help you do your work. Plus, there might be private chambers accessible that you can reserve for a block of period so you can buckle down and get some operate done.

“Each city’s library will offer different aids, ” says Whitten, who is the owner of Written by Whitten , “so stop by and chat up a librarian to find out everything they offer.”

Take Advantage of Business Credit Card Perks

Just like a personal credit card, you can rack up tops with a business credit card, points out Leslie H. Tayne, a fiscal advocate and author. You can be utilized those points to redeem for wander, cash back, or other payoffs that could go back into your business.

“The key is to research the cards and ascertain what forms sense for your business and if the compensations will be a positive impact on your business, ” says Tayne. “Some are for businesses with little expenses, some have compensate as you go or only a portion of fees that may be due, and some offer honors or places for use in certain locales.”

So how do you find the card that’s right for your business? “Take a look at what obtains you fix “the worlds largest” and what wages would be most useful to your firm, ” says Tayne. “Additionally, some wages posters will give you cashback for spending a certain amount in the first few months. This can be beneficial if you know you’re going to be using the card for some large-hearted purchases right away.”

Of course, you don’t want to spend money solely for the sake of earning tops and going into debt. Use a card for acquisition you typically would make anyway, and aim to pay off the remaining balance in full each month.

The outlays that go into freelancing can be steep. But by tap in to these hackers, you can stave off freelancer money woes and save common expenses while growing your business.

The post How Freelancers Can Save on the Cost of Running a Business appeared first on MintLife Blog.

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Guido van der Werve. Casually setting himself on fire, walking in front of an icebreaker and running from Warsaw to Paris

Guido van der Werve. Number eight, nine, twelve, thirteen, fourteen, seventeen. With texts by Michael Maizels, Jenny Johnson, Isabel de Sena in conversation with Guido van der Werve.

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Publisher Kerber Verlag writes: On the occasion of Fluentum collection’s inaugural exhibition, Number eight, nine, twelve, thirteen, fourteen, seventeen presents six performance-based works by Dutch artist Guido van der Werve. After having studied industrial design, archaeology, and composition, since 2000 he has created elegiac, and stunning films, videos, and artist’s books that evoke existential feelings and, at times, deadpan humor. The comprehensive book situates his artistic practice within the context of athleticism, visual art, and musical composition, conveying poetic meaning even under the most extreme conditions.

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Guido van de Werve, Still from Nummer veertien, home, 2012

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Guido van de Werve, Still from Number zeventien, killing time attempt 1, 2015

Setting himself on fire, walking serenely in front of an icebreaker while the frozen water cracks behind him, going on a 1600 km triathlon from Warsaw to Paris as an homage to Chopin, pantomiming the ascent of Mount Everest from his bed for 10 hours or standing (almost) still and alone on the North Pole for 24 hours. Guido van der Werve’s performances are always breath-taking but never in a way that would distract the viewer from their poetry, melancholy and a romantic sense of the sublime. Each time i saw his works in exhibitions, i was drawn in by the description of their recklessness, by the extreme physical and emotional endurance they documented but it’s the meditative atmosphere and subtle humour of the videos that kept me glued to the spot.

Guido van der Werve. Number eight, nine, twelve, thirteen, fourteen, seventeen is the catalogue of an exhibition at Fluentum in Berlin which i haven’t seen but since there barely is any video of the artist’s work available online, i thought the book might be a good substitute for the films. I’m glad i got a copy.

If you’re wondering (as i did) why the titles of his films always start with a number, it’s because they echo the opus number of musical compositions. Van der Werve trained as a classical pianist and is a talented composer but he also studied industrial design and Russian literature and is an avid runner and triathlete. Somehow he manages to convey most of these aspects of his life into his works.

Here’s a quick illustration of what that means. With the number eight, nine, twelve, thirteen, fourteen and seventeen. In no particular order:

Guido van de Werve, Extract from Nummer veertien, home, 2012

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Guido van de Werve, Still from Nummer veertien, home, 2012

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Guido van de Werve, Still from Nummer veertien, home, 2012

Nummer veertien: home pays tribute to Frédéric Chopin. van de Werve swam, cycled and ran from Warsaw, where Chopin grew up and where his pickled heart is preserved (smuggled by his sister at the request of the composer), to the Père Lachaise cemetery in Paris, where his body is buried.

The images of the triathlon alternate with scenes based on his childhood memories and references to Alexander the Great. The film structure is guided by the 12 sections of the requiem Van der Werve composed for it, performed by an orchestra and choir that pop up at various locations throughout the film.

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Guido van de Werve, Still from Nummer negen: The day I didn’t turn with the world, 2007

Nummer negen: The day I didn’t turn with the world documents 24 hours during which the artist didn’t “turn with the world” but let the Earth rotate around him. The artist stood alone and in almost complete immobility on the axis of the world at the geographic North Pole. His only movements consisted in turning slowly clockwise as the planet under his feet turned counterclockwise.

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Guido van de Werve, Still from Nummer acht, everything is going to be alright, 2007

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Guido van de Werve, Still from Nummer acht, everything is going to be alright, 2007

The artist is walking steadily across the frozen waters. Right behind him, an icebreaker smashes through the ice. The powerful vessel looks menacing. And yet, without the massive ship, without this icon of the capitalist conquest of a territory that is literally melting, van der Werve would never have reached this inhospitable part of the world. Everything is going to be alright, right?

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Guido van de Werve, Still from Nummer dertien, emotional poverty in three effugium (Effugio c, you’re always only half a day away), 2011

In Nummer dertien (number 13), the artist runs for 12 hours around his holiday home in Finland. There’s no prize, no destination, just endurance and pure exhaustion.

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Guido van de Werve, Still from Nummer twaalf, variations on a theme (and why a piano can’t be tuned, or waiting for an earthquake), 2009

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Brigette’s $91 Grocery Shopping Trip and Weekly Menu Plan for 6

My older sister, Brigette, shares her shopping trips and menu plans every week! You can go HERE to see all of her weekly menu plans and you can go HERE to read all about her family!

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Aldi

1 gallon Whole Milk – $0.97

1 gallon 1% Milk – $0.97

1/2 gallon Unsweetened Almond Milk – $1.65

1/2 gallon Orange Juice -$1.64

1 can Whipped Topping – $2.65

1 2-oz bottle Vanilla – $2.65

1 24-oz jar Honey – $3.79

1 32-oz carton Plain Nonfat Greek Yogurt – $3.45

5 single-serving Greek Yogurts – $2.95

1 pkg String Cheese – $1.95

1 8-oz pg Sliced Cheese – $1.79

2 16-oz bags Shredded Cheddar Cheese – $4.58

1 pkg Pepperoni – $1.99

2 cans Green Beans – $0.76

1 bag Fresh Green Beans – $1.49

1 bag Pazazz Apples ($1.49/lb – I’m looking forward to trying these for the first time!) – $4.71

2 Avocados – $0.78

1 bag Mini Sweet Peppers – $2.69

2 pkgs Broccoli Crowns – $2.58

1 pkg Grape Tomatoes – $1.49

1 16-oz bag Mini Cucumbers – $1.99

1 large tub Organic Spring Mix – $3.49

1 pkg Romaine Hearts – $2.39

2 pkgs Zucchini ($0.99/lb) – $3.36

2 huge Cauliflower – $4.58

2 bags Frozen Broccoli Florets – $1.90

1-lb Sausage – $1.89

2 cans Tomato Sauce – $0.76

1 8-oz pkg Cream Cheese – $0.65

1 box Kookie Cereal – $1.65 (Can you tell my husband did the grocery shopping this week?!? :))

1 box Cinnamon Crunch Squares Cereal – $1.32

1 large jar Strawberry Jam – $1.79

1 pkg Sandwich Crackers – $0.99

1 box Cheese Crackers – $1.49

1 bag Pretzels – $1.29

1 bag Plain Rice Cakes – $1.45

1 bag Powdered Sugar – $0.89

1 16-oz pkg Deli Meat – $2.65

1 pkg Fresh Chicken Thighs  ($0.79/lb) – $4.70

1 1-lb box Butter – $1.99

1 loaf Sandwich Bread – $0.65

3 dozen Eggs – $1.47

Total: $87.87

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I got all of the above for $4.10 at Harris Teeter earier in the week during a 3-day Super Double Coupon Event.

Deals are no longer available, so I am not including the coupon links.

Weekly Grocery Total: $91.97

Weekly Menu Plan

Breakfasts

Everyone is responsible for making/cleaning up their own breakfasts. Choices include:

Cereal, Oatmeal, Fried/Scrambled/Boiled Eggs, Toast, Veggie Omelets, Smoothies, Yogurt, Fruit

Lunches

Crackers/Pretzels and Peanut Butter, Cheese Sticks, Apples, Mini Peppers x 2

Grilled Cheese Sandwiches, Cucumbers, Oranges x 2

Leftovers x 3

Dinners

Biscuits and Sausage Gravy, Roasted Broccoli, Applesauce

Venison Roast in the Crockpot, Tossed Salad, Garlic Mashed Cauliflower, Bread Machine Buttery Rolls

Crustless Quiche, Parmesan Roasted Zucchini, Tossed Salad, Gluten-Free Oatmeal Spice Muffins

Crockpot Italian Chicken, Rice, Tossed Salad, Green Beans

Homemade Pepperoni Pizza, Green Beans

Meatloaf (I use ground venison for this), Baked Potatoes, Tossed Salad, Roasted Cauliflower

Date Night Out (Kids eat leftovers at home)

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Making My Bedroom Mirror Smarter

Having a’ smart’ home is starting to become the trend these days; I’ve seen a moderately significant increase in the freeing of commodities is targeted at acquiring period to period undertakings more effective, saving you fund and generally realizing your life easier.

So a little while ago I started looking into the concept of’ smart-alecky mirrors’; a handy piece of tech that are in a position see your mornings a little easier. Whilst getting ready you can have any piece of information available at a glance. No need to get out your telephone to check your schedule for the working day or to find out whether you need to take an umbrella with you!

Overall it made me a few weeks to get this far, but this is by no means a finished decision 😛 TAGENDauto credit v1Credit to Max Braun for the UI inspiration.

On the left hand side you can see the current weather forecast and downpour likelihood, together with my currently representing racetrack on Spotify underneath. To the title I am exposing the time, appointment and my personal calendar from Google.

best free website traffic generatorBuilding the Mirror

The concept is actually pretty simple — a two-way mirror with a display on the rear line-up of it. As the mirror is slightly transparent, light is feasible to projected through the glass to the front side, giving the impression that the information is directly inside the mirror’s glass. Pretty cool right?

The Mirror

To start with, I needed to find myself the chasten type of mirror for the number of jobs. I known that I needed something that was easy to mount and manage.

Free Traffic GeneratorThe first prototype, receive the twisting on the line of the wall?

My first attempt was using an acrylic part of two-way mirror, which was somewhat of a disappointment due to the structural belongings of acrylic, affording a similar visual effect as to what you’d see in a funhouse.

I decided to bite the bullet to ditch acrylic for glass; it won’t distort and doesn’t scratch or differentiate as easily in comparison. After a bit of research I settled on Pilkington’s MirroView( tm) concoction, aimed solely towards digital mirror spectacles; I opted for the 70/20 variance for darker light rooms.

The Display

Originally my project started because I had an aged 21.5 ” LCD monitor laying around that I had no use for, meditating it would be perfect for this application. I was wrong. The regard directions were horrid and the backlight bleed was clearly noticeable.

free website traffic generatorYou can see how the text starts to disappear in places and that the black background is quite patchy towards the edges of the screen.

After a little bit of research, I decided to go with a VA panel, these generally have better considering inclinations and a much higher contrast ratio than the TN panel I attempted to use. The information there is a screen behind the reflect is now almost unnoticeable to the untrained eye.

I settled on the BenQ GW2270HM, which I snagged for a pretty good price on eBay. It also has built-in orators which gives me a few ideas for the future..

homeThe new flaunt is almost perfect, textbook is a great deal sharper and contrast is significantly better. The only step-up would be moving to an OLED.The Hardware

I aimed to build something reliable and simple to maintain, so I went out and are caught up a Raspberry Pi 4. This would allow me to run almost any type of OS for managing the UI.

How To Make Money Online DailyAlso a few other goodies including a snazzy mesh-style casing.The UI

I started off by using the open-source MagicMirror2 application by Michael Teeuw, but instantly opted to challenge myself to build my own software with my own take on the UI.

I chose to build the software using the favourite React entanglement fabric by Facebook. Meaning I is to be able to roll the software up in a full-screen browser window, taking a same coming to the latter via PM2.

For the forecast I employed the API offered by Dark Sky, allowing me to get detailed info on the brave by location.

As for the other areas I use Spotify’s Web API for get the currently dallying track, Moment.js for exposing the time, and a patronage implementation for the docket abusing the ical.js Node library.

I plan on perform the source-code available at some point too!

Piecing It All Together

Originally I demanded something to mount to the wall inside a idea wooden make like most — but I had a better idea.

I started off by making a cutout in the door of my wardrobe for the display to be prepared within. Using some age-old off-cuts I lent a supporting hub strengthen, consuming Gorilla tape to hold the screen in place. It’s a bit rudimentary, but hey — it does the job.

I squandered a chip of white hardboard to cover up the mess, clearing cutouts to feed through the two expose cables and using double-sided tape to hold it in place. After this, I could then connect the controller timber back up and prepare it to the back of the door.

How To Make Money Online Fast And Freeincrease website traffic freeinternet marketing adsMaking a mess of my newly purchased IKEA PAX attire. At some quality I’ll probably paint the silver-tongued specimen to equal too.

To keep it as tidy as is practicable, I feed some trunking across and down to the floor of the clothe. From here both the HDMI and power cables route across into the back of a shelved domain, where the Pi is; so it’s all hidden away.

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Now that we’ve covered the working party at the back, let’s get to the business up front.

As the screen is only a portion of the mirror itself, I needed the rest to function as a regular mirror. To do this I chipped a piece of pitch-black card to fill in the blank space, with a cutout for the expose. Then it was finally time to mount the reflect itself.

internet marketing basicsinternet marketing courseNot very shabby, eh?

When I had the mirror cut to size, I opted to additionally have 4 pre-drilled gaps for preparing; allowing me to sandwich the reflect against everything else securely.

What’s Next?

As mentioned previously in the commodity, this is nowhere near the end of the project. I have quite a few ideas to implement over the course of the next year or two. The first being some sort of voice assistant, Alexa or Google Assistant, forming consume of the screen’s built-in speakers.

Currently I have to manually turn the display on and off, so mounting it up on some sort of timer would be useful, or maybe even controlling it externally as a’ smart’ device via Google Home?

Lastly, another interesting feature to try would be facial approval or gesture perception. Meaning the mirror can display minimal or no information until someone stands in front of it. Facial approval would also mean I can display relevant info based on the individual.

Conclusion

So far I’ve certainly experienced this little project and will continue to post more as I implement more boasts. In expressions of pricing it has only expense me in the region of PS200-250, which comparatively isn’t that bad to premade offerings.

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I’d love to hear your thoughts on this and any other suggestions or betters I could acquire? Thanks for construe!

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Wake up every Sunday morning to the week’s most noteworthy tales in Tech waiting in your inbox. Read the Noteworthy in Tech newsletter.

Making Money Online At Home

Making My Bedroom Mirror Smarter was originally published in Noteworthy – The Journal Blog on Medium, where people are continuing the conversation by foreground and responding to this story.

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Wealthsimple Review 2019 – Robo Advisor & Wealthsimple Trade [UNIQUE PROMO]

I’ve been putting off writing a Wealthsimple review for a while now due to the fact I personally do not personally use robo advisor, instead preferring to cut costs to the bone with my Questrade, my top rated discount brokerage, DIY strategy. 

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Now that Wealthsimple Trade has launched, and the robo advisor service has gotten so popular, I figured that it was time to take a serious look at the service. 

If you’re the TLDR type, then this Wealthsimple review might be a bit lengthy for your tastes.  Feel free to navigate using our table of contents to jump around.

Below, you can find my Wealthsimple review summary and rating:

Wealthsimple Robo Advisor: Scoreboard










  • Investment Strategy










  • Website and Mobile Usability










  • Fees & Costs vs Mutual Funds










  • Halal & Socially Responsible Investing Options










  • Advice and Personal Finance Help










  • Safety

4.9









Review Summary

Wealthsimple is the largest robo advisor in Canada. Thanks to a simple onboarding process, easy to use platform, and $0 account minimum, it’s a favourite among Canadians. Plus, for new customers, Wealthsimple will pay any transfer fees for those who want to switch over.

However, while these factors all contribute to making Wealthsimple one of the top robo advisors in the Canadian market, there’s a whole lot more to this company that has allowed it to earn my stamp of approval. 

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Why is Wealthsimple Canada’s Leading Robo Advisor

There’s a reason why Wealthsimple is Canada’s biggest and most popular robo advisor. However, before I dig into what makes Wealthsimple such a standout in its field, let’s first take a second to explain what a robo advisor is and Wealthsimple’s approach as a robo-advisor.

Intro: What is a Robo Advisor?

The first thing you need to know is that a robo advisor, despite the name, is not a robot. The investment process is automated (after you set it up the first time) however, that automated process is created, run, and monitored by a team of very knowledgeable financial professionals who are also available for customer service and financial advice. 

Robo advisors have come to light over the last few years as a middle-ground for Canadians who are looking for an alternative to the big brick-and-mortar banks but are not comfortable using DIY methods. The goal is to create an easy-to-use investing process that will allow clients to make the most of their money without the hidden fees and costs often associated with traditional banking methods.  Perhaps the best part about robo advisors in my opinion is that they allow Canadians to setup a quick and easy way to automate their investing using an index-based philosophy..

The Wealthsimple Approach

The Toronto-based team behind Wealthsimple (wealthsimple.com) describes its mission as the following: 

We provide world-class, long-term investment management without the high fees and account minimums associated with traditional investment managers. We invest your money in a globally diversified portfolio of low-cost index funds modeled after the same Nobel Prize-winning research used by the world’s savviest investors. Our cutting-edge technology helps you earn the best possible return on your money, while also lowering your tax bill.

This means we do things like automatic rebalancing, dividend reinvesting, and tax loss harvesting services that most people couldn’t afford until now or found too time-consuming and tedious to do on their own. Our financial advisers are always available when you need them. They can help plan your financial milestones and answer questions you might have about potential risks or what sort of investment accounts you should have.

The Nobel Prize-winning research they are referring to is the Modern Portfolio Theory done by Harry Markowitz.  Wealthsimple is quick to tell users that their approach is based on this tried and tested work. If you are familiar with ‘couch potato investing’, then you’ll have an idea as to how Wealthsimple manages your money. We’ll dig more into how it works later on in this Wealthsimple review. 

The Team Behind Wealthsimple

As mentioned above, robo advisors are backed by financial experts who create and monitor the algorithms. Additionally, there are financial experts to reach out to with any customer service inquiries or, even for financial advice. 

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From wealthsimple.com

While robo advisors have been around for a couple of years now (Wealthsimple started in Toronto in 2014, and was founded by Michael Katchen), many Canadians are still hesitant to switch to one because they are still categorized as new. It makes sense, ‘new’ isn’t always a word you want to associate your hard-earned money with, however, you can breathe easy with Wealthsimple knowing that this particular Canadian robo advisor is “powered” by Power Financial – one of Canada’s largest and wealthiest companies.  As of 2019 Power owned 89% of Wealthsimple and had invested over $200 Million in the company! Plus, Canada’s largest robo advisor has grown up before our eyes and really isn’t that young anymore.

Wealthsimple Review: How it Works

To get started with Wealthsimple you can have an online, email, or phone discussion with an advisor to discuss what they think is the best option for you taking into consideration your goals and risk tolerance. Don’t be afraid to ask questions, remember that the Wealthsimple representative you are speaking to is an advisor and while they may not be able to answer everything off their head (mainly when it comes down to the more detailed, complex questions), they will answer your questions with your best interests at hand. 

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One of the reasons I’m such an advocate for Wealthsimple is because as a Portfolio Manager, they have a fiduciary duty, meaning that the company and their employees legally HAVE to give you advice and recommend investments with your needs and best interests in mind. Strangely enough, this is not mandatory of all financial advisors in Canada, and many people at big banks that recommend mutual funds have no fiduciary duty to you at all!

Once you have chosen your account (for example, RRSP or TFSA), your funds will be split into several different asset categories including both Canadian and international equities, real estate, and bonds. 

Wealthsimple Investing Approach and Returns

As I mentioned earlier our Wealthsimple.com review, the robo advisor approach is basically an automated form of couch potato investing. For those who aren’t familiar with this term, couch potato investing is a passive investing strategy that relies on building a diversified, low-maintenance portfolio. The goal is to deliver high returns at a low cost and has been shown to reduce typical investor costs by up to 90%. Not only does this strategy save you money, but it has also been proven to beat the vast majority of mutual funds and “money experts” that traditionally handle your investments in Canada.

The couch potato strategy (which has also been called index-investing or passive investing) is not new. It’s been around for ages, but is becoming more and more popular in part thanks to robo advisors like Wealthsimple, who allow everyday folks, rather than just finance experts, to build and maintain these types of portfolios. 

Personally, I’m a strong believer in taking this type of approach to investing, and I’m a fan of how transparent Wealthsimple is when it comes to their investment strategies. When asked what kind of returns to expect, Wealthsimple responded with the following:

Expected returns are impossible to predict and are out of your (and our) control. We prefer to focus on things we can control: fees, diversification and emotions. The stock market will take care of returns over the long term. The key is to stay disciplined and stick to your strategy in order to build wealth. You can read more about our investment strategy here.

While Wealthsimple makes it clear that expected returns are impossible to predict (this is the truth for any investor, don’t let someone try to convince you otherwise), they go an extra step in their transparency to show you how your investments are performing and what your returns actually are in their monthly statements and in your online account.

Wealthsimple Socially Responsible and Halal Investing

Investors may also be interested to know that Wealthsimple offers Socially Responsible Investing (SRI) as well. Socially responsible investing is becoming more and more popular these days, especially among millennials. 

To clarify, socially responsible investing is a type of investing that allows you to put your money towards companies and businesses that align with your environmental and social values. A Wealthsimple SRI portfolio will include the following ETFs:

  • Low Carbon (CRBN): Global stocks with a lower carbon exposure that the broader markets.
  • Environment (XEN): Canadian stock that prioritize environmental and social concerns.
  • Cleantech (PZD): Cleantech innovators in the developed world
  • Government Securities (ZFM): Canadian federal bonds with AAA rating
  • Human Rights (VIDI): Global stocks with a positive record on human rights and corruption. 

I’ll admit that socially responsible investing isn’t at the top of my priority list, however, I do agree that it is a good concept and think it’s a great way to entice younger generations to become more involved in their money decisions. Of course, people tend to be more involved with SRI portfolios because some of the companies may not be up to your personal standards, so that is something to keep in mind. Additionally, there is an added premium to SRI, about 0.2% MER since it is much more niche. However, it’s great to know that the option is there should that be important to you. 

As well as socially responsible investing, Wealthsimple also offers Halal Investing. This portfolio is optimized for performance by using companies that align with Islamic law. This means no businesses that profit from gambling, weapons, tobacco, or other restricted industries. Additionally, this type of investing will not include any businesses that obtain a significant percentage of their income from interest on loans. All investments are screened by a group of Shariah scholars to ensure that they are up to the expected standards. 

Hallal portfolios include 50 stocks chosen based on the designated required principles as well as their ability to be optimized for diversification. Examples of these stocks include Pfizer Inc, Canon Inc, and Johnson & Johnson. As with other Wealthsimple investment portfolios, the goal of Halal investing is to minimize risk and maximize reward and, if you are wondering about the fees, there are no additional fees to Wealthsimple’s halal investing, it follows the same fee structure as other Wealthsimple investments.

 

Wealthsimple Review: Costs and Fees

Wealthsimple.com currently has three different levels: Basic, Black, and Generation. I’ll dig more into these in a minute, but when it comes to fees, the Wealthsimple management fees differ depending on which of these levels you choose. It will either be 0.5% or 0.4%.

Now, on top of the Wealthsimple management fees you need to include the MERs of the underlying ETFs. The total MER for your investment in a basic portfolio will be 0.5%-0.7%.

If you are looking into socially responsible investing (SRI), as mentioned previously, you will have slightly higher MERs, around 0.25-0.40%. This would then bring your total fees (management fees plus MERs) to 0.65%-0.90%. 

ETFs are known for having significantly lower MERs than mutual funds. To compare, consider Wealthsimple’s overall fees (0.5%-0.7% for non SRI accounts) versus actively managed mutual funds which are more like 2%-2.5%. That means the average Canadian is paying 3-4 times as much for their mutual fund investments, than they could be paying for an objectively superior investment product! 

Now that you have an idea of the Wealthsimple costs and fees, let’s take a look at the different Wealthsimple levels. 

Wealthsimple Basic

The Wealthsimple Basic Account is for clients who have up to $100,000. This account has a 0.5% fee which includes trading, account fees, rebalancing costs, and transfer fees. It’s a simple account, nothing too fancy. That being said, the fees are competitive compared to other robo advisors on the market, plus you also get financial advice included as part of the package.

Wealthsimple Black

The Wealthsimple Black account is a premium service for clients who have more than $100,000. If you have this account, your management fee drops from 0.5% to 0.4%. It may not seem like a lot, but trust me, that adds up quickly over time!

Black account holders receive all the benefits included in the basic account: trading, account fees, rebalancing costs and transfer fees, and free expert advice. 

However, Wealthsimple Black members also get a few additional perks including: 

  • Tax loss harvesting: this can be tricky to figure out on your own, but if it makes sense for you, the Wealthsimple team will use tax harvesting strategies to create tax savings in your portfolio. For those who are unsure of how this works, essentially they will sell any investments that have lost their value, put in a tax deduction, and then buy a similar asset. It’s not for everyone, but if it applies to your financial situation, this can also save you quite a bit of money. 
  • Financial planning sessions: book a 1 on 1 call to talk to an expert advisor about your financial strategy or plans for retirement. 
  • VIP airport lounge access at over 1,000 lounges across 400 cities worldwide. These types of passes usually cost about $25+ per session, so if you travel a lot this alone could save you hundreds of dollars each year, plus make your travel experience much more enjoyable. 

Wealthsimple Generation

The Wealthsimple Generation account is the top tier, and is for those who have deposits of $500,000 or more. This plan has the same features as Wealthsimple Black: trading, account fees, rebalancing costs and transfer fees, free expert advice, 0.4% management fee, tax harvesting, financial planning sessions, and VIP airport lounge access. 

On top of the above perks, a Wealthsimple Generation account also comes with two additional benefits.

  • 50% off the Medcan Comprehensive Health Plan: This includes an annual check up, up to 15 diagnostic tests, same day (or next day) appointments, travel health support both in Canada and abroad, and genetic tests. This 50% discount will save you over $2000. 
  • Personalized financial report: the Wealthsimple team will help you strategize your financial goals and draw up plans for retirement, ways to preserve your wealth, and can analyze your cash flows and make financial projections to better help you manage your money. 

Both the Wealthsimple Black and Wealthsimple Generations platforms are excellent values.  The 0.4% MER means that costs are quite reasonable, and if you think about it, the tax harvesting feature alone can save you enough to cover that 0.4% fee. Plus, as a traveller, I can really appreciate the airport lounge pass. After all, who doesn’t want to feel like a VIP? 

Another thing to note, if you are thinking of switching over to Wealthsimple from your current bank, Wealthsimple will cover all of your transfer fees.

 

Wealthsimple RRSP Accounts and TFSA Accounts 

Wealthsimple offers a range of account types including:  

  • RRSP
  • TFSA
  • RESP
  • Joint
  • Business
  • LIRA
  • Personal
  • RRIF

Most Canadians are just looking for the easiest way to investment money within a registered account.  It is incredibly simple to open a Wealthsimple RRSP, TFSA, or RESP account. It can be done completely online, is almost instant, and after hooking up your chequing or savings account, you can conveniently set up an automatic contribution that puts your savings on autopilot.

No more worrying about RRSP season and last minute investment decisions.  Just a safe, simple, proven investment strategy that you can set and forget about until you’re ready to make a large-scale change.  While Wealthsimple obviously offers a wide variety of accounts, these three registered accounts represent the total investing activity for many Canadians, and are a main focus for Wealthsimple.  

If you have any questions about how the Wealthsimple RRSP or TFSA work, their online chat feature (or their old school phone assistance) will be able to efficiently answer any questions you might have about where to contribute or how to use the platform.  About the only questions their first line of assistance might struggle with is in-depth niche topic help for something like investment trusts. (If you don’t know what an investment trust is, don’t be alarmed – it’s very unlikely that you’ll ever need to.)

 

Wealthsimple High Interest Savings Account

Interestingly, Wealthsimple was the first Canadian robo advisor to offer a High Interest Savings Account (HISA). Personally, I’m not the biggest advocate for using HISA’s for long-term savings (such as retirement), however, for short-term goals like a vacation or buying a car, a HISA is a great option.

Right now, Wealthsimple offers a 2% interest rate for their high interest savings account. That’s a flat fee; it’s not a promotional rate, it doesn’t go away after a certain period of time, 2% is what you get. Additionally, there’s no minimum balance requirement (great for those just starting saving), and you’ll get unlimited transaction fees.  That 2% is about 1.95% higher than what you’re likely getting in your big bank chequing account, and 1.5% higher than what many big bank “savings accounts” offer.

While there’s no doubt that the Wealthsimple HISA is a good choice, one of the best advantages to Wealthsimple offering so many account options is that they make it easy to keep all of your savings and investments in one place, which in turn for you makes it easier to manage and keep track of.

The Wealthsimple App

Speaking of the Wealthsimple App, it’s actually pretty amazing. Launched in December of 2014, it was the first app of its kind; an app designed with the specific goal of making investing easier.

Wealthsimple describes their app as having a ‘financial advisor in your pocket’. The app allows you to get in touch with your wealth concierge at the tap of a finger, plus you can easily add funds, keep an eye on your asset allocation, and view your performance. 

On top of creating an easy and streamlined app, Wealthsimple also prioritizes privacy in their app. They go above the simple ‘create a password’ and allow users to use either TouchID or set a unique 4 digit passcode (for iphone) or lock pattern (for Android). This is true for both the Wealthsimple App and the Wealthsimple Trade app. 

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Wealthsimple Review: Is it Safe?

Because Wealthsimple is a still a somewhat new name to people, the most common question I get asked is, “Is Wealthsimple Safe?”

The answer?

Yes!

Wealthsimple is as safe as any banking and investment option in Canada.  They now have more than 100,000 clients from all over the world!auto credit v1

First of all, Wealthsimple is an online business. If they didn’t protect their customers, it would be an instant death for the company. As for how exactly they protect their clients? Wealthsimple uses bank-level security including a 128-bit SSL certificate. For those who are unsure of what this means, essentially it’s a program that will ensure that your personal information and passwords don’t get seen by prying eyes. 

Secondly, Wealthsimple indicates that they also use industry-standard backup programs and firewalls. These will prevent any large-scale problems from occurring as well as work towards backing up information automatically multiple times a day, every day of the week. 

Thirdly, your money invested with Wealthsimple is also protected by outside sources. When you invest with Wealthsimple, your money is insured by the Canadian Investor Protection Fund (CIPF) up to $1 million per account. On top of that, if you have a HISA with Wealthsimple, your money is insured by the Canadian Deposit Insurance Corporation (CDIC) for up to $100,000 (there is optional coverage for up to $800,000 per account, however, in my opinion, if you are keeping that much money in a HISA you may want to rethink your financial strategies). 

Finally, we need to remember the team behind Wealthsimple. These are career professionals who have years in the industry with reputations to uphold. The fact that these individuals have lent their names to the company also instils a strong feeling of trust. Additionally, Wealthsimple is made up of registered portfolio managers that have a legal fiduciary duty to clients. This means that, by law, they have to give recommendations based on the client’s best interest.

With Power Financial running the Wealthsimple show, there is no doubt that this company is in it for the long haul and is incredibly safe!  It should be noted that no investment company can guarantee the safety of investment returns. So within that narrow definition of “guaranteed investment performance” than Wealthsimple – as well as every other investment entity out there – is not 100% safe.  Your portfolio will always be subject to the general performance of the market, and anyone that promises you different is probably trying to illegally sell you something.

A Wealthsimple Promo Offer Coupon for You

Wealthsimple has provided me with a promotion code for readers to manage up to $10,000 free for a full year. This means you don’t pay any management fees for 12  full months as you test the platform out!try this top Canadian robo advisor. 

To take advantage of our Wealthsimple Review Coupon Code simply click below:

 

Wealthsimple Review: Summary

Wealthsimple isn’t the only robo advisor in Canada, but I can honestly say that as of today they are easily the #1 choice in most situations. Here’s what I think makes Wealthsimple stand out in the field enough to be worth considering:

  • Wealthsimple is the largest robo advisor in the country
  • Wealthsimple has a $0 account minimum
  • Wealthsimple is CIPF-insured up to $1,000,000. 
  • Their website and app are incredibly user friendly
  • Wealthsimple will cover your transfer fees to switch over to them
  • Wealthsimple offers easy to understand interactive statements that break everything down for you
  • Wealthsimple is partnered with the Mint App
  • Wealthsimple allows you to invest in fractional shares
  • Wealthsimple automatically re-invests dividend income from your investments back into ETFs that have fallen below the portfolio target you originally set
  • Wealthsimple offers HISA accounts
  • Wealthsimple offers socially responsible investing (SRI) and halal investing

In other words:

OUR RATING:

4.9 / 5

Here’s the simple truth: Wealthsimple is the quickest and easiest way to take a piece of your paycheque every month, and automatically invest it into a diversified portfolio of ETF options from around the world.  I love the investment strategy, I love the simplicity of it. It’s not as cheap as opening a Questrade account and building your own ETF portfolio or purchasing an all-in-one ETF, but it is MUCH cheaper than traditional Canadian investment options.

Ready to start with Wealthsimple? Don’t forget to use our Wealthsimple review link to sign up today and save the fees on your first $10,000! 

 

Wealthsimple Trade – The No Fee Discount Brokerage

Everything we have discussed so far in our Wealthsimple review has been looking at an automated portfolio of basic index ETFs, and would be comparable to other Canadian robo advisors. However, if you are interested in trying to manage your own portfolio you might be interested Wealthsimple Trade. With this option, you make the decisions of how to invest; what to buy and sell on the stock market.

A brokerage account is where you will hold the money that you use to buy/sell stocks. Brokerage accounts with financial planners tend to cost more as you are paying for their investment advice and management skills. Online brokerage accounts, however, have much lower fees and allow you to buy/sell from the comfort of your home.  Wealthsimple Trade would be broadly comparable to Questrade as far as “apple-to-apples” comparisons go – although they have a ways to go before they challenge for my #1 discount brokerage award.

With Wealthsimple Trade, you can buy and sell thousands of stocks. It’s a relatively new platform, and still has a few bumps that they are sorting out and adding to, but one of the major draws of Wealthsimple Trade is that it is $0 commission, which means that they do not add any fees to buying and selling stocks. Most other online brokerage accounts charge for trades, so this factor definitely makes Wealthsimple stand out in the pack. If you are wondering that the catch is, and how Wealthsimple Trade actually makes money if they don’t charge commission, know that Wealthsimple does charge a +1.50% base conversion fee when you make US trades which. Considering that other brokerages charge about 2% on foreign trades, is very reasonable.

On top of the 0$ commission structure, Wealthsimple Trade also has a no account minimum, which makes it extra enticing to those who think they want to dabble with their own portfolios. However, it’s important to remember that this option is for those who know what they are doing. Buying and selling stocks just because someone told you to is not a smart investment technique. That being said, having the freedom to make your own investment decisions can lead to a bigger reward. Just remember to treat it as an investment, not a gambling experiment. 

Wealthsimple Trade has its own app, so you will need to download it as well as the original Wealthsimple app that you already use. However, your bank account will still be linked which means you can get started right away. 

 

 

The post Wealthsimple Review 2019 – Robo Advisor & Wealthsimple Trade [UNIQUE PROMO] appeared first on Million Dollar Journey.

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Why You Sometimes Need To ‘Destash’ Your Friends, Like You Do Your Shoes

My best friend recently turned me on to the world of the most comfortable shoes I’ve ever wear. I was quickly hooked and so is just about everyone else it seems because there are online radicals dedicated to buying, selling, and trading these specific shoes, and these shoes only. I am now a part of these groups and find myself perusing them daily — sometimes more.

A common theme of these pages are parties “destashing” shoes from their accumulation. It took me a while to realize this was indeed a thing. These maidens were sold at some of their shoes for various reasons — are integrated into some needed fund, telling go of some old favorites, or simply merely to make room for new shoes. It got me recollecting … shouldn’t we is being done that in our lives, as well?

Destashing our lives — it voices intense. Getting rid of older things. But, in reality, it’s required. I find as I get older, my needs transformation. I no longer need a massive group of friends to go out with and who I learn and talk to all the time. Instead I need a few friends who don’t get mad when I vanish MIA for a bit because life is busy or if I forget to return a text because my knowledge is going a million counselings and I can’t remember a simple task. It doesn’t mean I didn’t love those friends; they are able to ever harboured a special target in “peoples lives”, but it’s time to let go.

Then there are the harder destashing decisions — letting go of people and things simply to create more office in your life. More apartment to grow, more room to event, and more office to time be you. These may be friends who you never thought you’d be without; they often prop some of the deepest mysteries of their own lives. But they’ve become a distraction. Unsupportive. Toxic. As much as you want to keep them around, you can’t. And you shouldn’t.

The paroles you examine on these destashing posts are “I no longer grab for them, ” “these are not what I thought they were, ” and “these precisely don’t fit anymore.” I formerly got a friend who I congregate through a moms group and we instantly became very close. Talking every day, travelling jaunts, having playdates. She and I were unexpectedly intertwined, and I started relying her through a very difficult time in my life. But I learned the hard way she was not who she seemed. She wasn’t “what I reviewed she was.”

Think about other hard times in your life. Who do you trying to reach? Who do “youre calling” or textbook? Who do you cry to? It may not be the same person it was 5 years ago, or even 1 year ago. “I no longer reach for them.” Perhaps it’s time to let them get. They no longer fulfill basic needs in your life. Time to reach elsewhere.

And what about those friends who were part of your life at a particular time? They were good for a section but no longer show who you are today — the person you’ve transformed into over the years. There was a friend who I had forever, but when I got married and had adolescents, she simply wasn’t as caring as she once was. And then when I decided to become a stay-at-home momma, she was really unhappy with my decision and originated it known. I tried to hang on, but over duration I found that she “just didn’t fit anymore.” We are still passive friends today, and that’s fine. It’s simply our season of friendship.

I know it seems cruel — getting rid of friends. But, you don’t have to get rid of everyone. People exactly alteration and not ever at the same rate. You might need to ridded yourself of some friends forever — they may be merely more toxic or unsupportive. Others I find really change personas. They be brought to an end altering from crowding one part of your life to fulfilling another. Some friends may wean off for a while but then come right back into your life full force just when you need them. It’s an ever-evolving process. It’s agonizing at times, but necessary. So next time you go to grab for your favorite pair of shoes, contemplate abut how your best friend fit into your life. The asks may surprised to see me, but they are guaranteed to better you.

The post Why You Sometimes Need To’ Destash’ Your Friends, Like You Do Your Shoes loomed first on Scary Mommy.

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The MixtapE! Presents Harry Styles, Dua Lipa and More New Music Musts

The MixtapE!, Dua Lipa, Harry StylesNew music Fridays are a thrilling, yet daunting prospect for any music lover.
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Epic tipped to submit Fortnite to Play Store: Will Google make an exception?

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Mega-popular video game Fortnite came to Android last year, but it didn’t land on the Google Play Store. Instead, the multiplayer shooter had to be side-loaded from publisher and developer Epic’s website.

Things could be changing though, as 9to5Google wishes to report that Epic is planning to submit Fortnite to the Google Play Store soon. Epic is apparently submitting the game with its own payment platform, as opposed to adopting Google’s pay infrastructure.

The Fortnite developer impelled the decision to skip the Play Store due to Google taking a trimmed of income, traditionally pegged at approximately 30%. Instead, Epic remains 100% of the cash when gamers spend money on virtual parts and emotes in Fortnite.

All apps submitted to the Play Store are required to use Google’s payment infrastructure if they give in-app acquires though. So it’s clear that Epic is hoping Google will make an exception. Unfortunately for Epic, it seems like the search monstrous might not be willing to bend the conditions for Fortnite.

Editor’s PickFortnite Chapter 2: Everything we know even further( Update: Now live)

Update: Attention fares, Fortnite Chapter 2 is now live! Check out the trailer above for the latest story items, and get even more info over at the official website.

As prophesied, we’re not in Kansas anymore . …

” Android enables several app storages and picks for developers to distribute apps. Google Play has a business model and legislation programme that allow us to invest in our scaffold and tools to help developers construct successful enterprises while keeping useds safe ,” read a statement by Google to 9to5Google.” We welcome any make that recognizes the value of Google Play and expect them to participate under the same terms as other developers .”

It certainly sounds like Google doesn’t want to make an exception for Epic, but Fortnite coming to the Play Store would make it the more secure installation method in theory. The installer downloaded via the Fortnite website had a major security flaw upon start, theoretically earmarking hackers to remotely invest malicious apps on a victim’s manoeuvre. The web-based install method too opens the door for phishing onrushes and other programmes, moron consumers into thinking they’re on Epic’s website.

Do you think Google should make an exception for Fortnite? Let us know in the comments!

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Discover it® Chrome Credit Card Review

You won’t pay an annual fee to keep the credit card in your wallet, and there’s no need to worry about rotating bonus categories or complicated redemption strategies. This is a straightforward cash-back card that offers 1% cash back on everything and 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Discover matches your rewards at the end of the first year.

Card APR Annual Fee Intro Bonus Credit Needed Key features
Discover it® chrome 0% for 14 months, then ongoing 13.49% – 24.49% Variable APR $0 Discover automatically matches all the cash back you’ve earned at the end of your first year Good to excellent Cash back

What we like about it

The credit card is a simple rewards card with no annual fee. Cash-back rewards, earned at 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% cash back on all other purchases, never expire. At the end of your first year as a Discover it® chrome card user, Discover will match the cash back you’ve earned throughout the year as a bonus.

There aren’t any restrictions about when you redeem your rewards, and there are no minimum redemption amounts. You can even use your Discover it® chrome cash-back rewards at Amazon.com at checkout.

The Discover it® chrome card is also an excellent balance transfer option, with 0% introductory APR for the first 14 months on balance transfers and purchases, then an ongoing 13.49% – 24.49% Variable.

Things to consider

To get the credit card, you’ll need good to excellent credit scores.

For those who frequently travel outside the United States, the Discover it® chrome card may not be the best choice as a sole credit card. Discover isn’t accepted in many countries, including the majority of Africa, most countries directly east of China and some South American countries.

Cash-back rewards at the 2% level convert to 1% when you reach the maximum of $1,000 in purchases each quarter. Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases. So, even though it’s a nice rate of rewards, you can earn just $20 in cash-back rewards per quarter at 2% cash back.

For the first 14 months that you own the card, you’ll get an introductory interest rate of 0% on new purchases and balance transfers. There’s a 3% balance transfer fee, up to 5% fee on future balance transfers (see terms). After the introductory period, you’ll pay 13.49% – 24.49% Variable APR if you decide to carry a balance with the card.

Discover it® chrome Credit Card cash back details

The card is a cash-back card with no annual fee. You’ll get 1% cash back on every purchase made with the card, without limits. The first $1,000 in combined purchases each quarter you spend at gas stations and restaurants earns 2%. After you reach the spending limit during a quarter, the rewards rate in those categories reverts to 1%. At the end of your first year, after your 12th statement, Discover will match your cash-back earnings without limits.

Redeeming rewards is simple. You can choose to credit your account when your cash-back balance is just $.01. You can pay select merchants with your cash back, deposit cash-back rewards into an account, use cash back as a charitable donation or use it to purchase eCertificates and gift cards from Discover’s partners.

Discover it® chrome Credit Card fees

The Discover it® chrome credit card is light on fees. There’s no annual fee, no foreign transaction fee, no overlimit fee and Discover won’t charge you a late fee the first time to fail to pay your bill on time. Making a late payment won’t trigger a penalty APR, like many other cards.

If you choose to transfer debt from other credit cards, you’ll pay a 3% balance transfer fee, up to 5% fee on future balance transfers (see terms).

How does it compare to other cash back cards?

If you think the cash-back card is a good choice, consider the Capital One® Quicksilver® Cash Rewards Credit Card and the Citi® Double Cash Credit Card. Like the Discover it® chrome card, both of these cards have no annual fee and no overlimit fee. Late payments with the Capital One® Quicksilver® Cash Rewards Credit Card won’t increase your APR, and there aren’t any foreign transaction fees with this card. The Citi® Double Cash Credit Card won’t charge you a late fee the first time you miss a payment due date.

With the Citi® Double Cash Credit Card, you’ll earn 2% cash back on all purchases, but you’ll get 1% when you use the card and 1% when you pay the bill. There are no limits or caps on earnings with this card, unlike the Discover it® chrome card, which imposes a $1,000 limit on the 2% reward level per quarter.

With the , you’ll earn a flat 1.5% cash back on every purchase without limits. This card also offers an introductory 0% APR on balance transfers and purchases for 15 months, then an ongoing 15.74% – 25.74% (Variable).

Discover it® chrome is the only cash-back card offering a 100% match of the rewards earned at the end of your first year of owning the card. This feature, plus a good introductory 0% APR on purchases and balance transfers within the first 14 months and then an ongoing 13.49% – 24.49% Variable makes the Discover it worthy of a place in your wallet.

The bottom line

The credit card is a great option for people who want a simple cash-back card. While the 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter is a nice perk (then, 1%), the per quarter limit lessens its value. The year-end cash-back match is where this card excels, making it an ideal card for everyday purchases. For those with good to excellent credit who want a straightforward cash-back card, the Discover it® chrome deserves a place on their list of options.

Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view a list of partners, click here. Opinions expressed here are the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser’s page for terms & conditions.

The post Discover it® Chrome Credit Card Review appeared first on The Simple Dollar.

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Scared of money? (Why & how to overcome your fear today)

The more I see people talk about money, the more I see how SCARED we are of it.

How we let others poison our views of money.

And how easily we use negative words to describe it.

Here’s an email I got from someone who read my book, I Will Teach You To Be Rich. What do you notice?

“Frick it, I guess I’ll write the email…

Money stresses me out. My parents didn’t teach me anything about it and I’m very dependent right now. I did a year of nonprofit and made about 10k after taxes and it was miserable, so I figured if I can pull that off for one year then I can make it work. And I did! But I don’t know if I’ll hit it this year (it’s a bit depressing and a big source of anxiety). I think time is the name of the game though, the career is moving forward, hopefully, game sales will kick in passive income.

For the “rich life” I’m a simple person. I want enough money to be able to travel. I want to own a dog. I want a kitchen with an island. I want to have a nice desktop and a nice coffee table. My partner doesn’t want to own a house but I kind of do. Since I don’t have a full-time job outside of my freelancing which is currently in a drought period, I don’t have really ANY money, averaging about $250 a week.”

My response:

“Good stuff. Great to meet you

Now I want you to look at your email and count the number of times you use negative words to describe your life/money. How many do you count?”

His response (notice the skepticism):

“Ha, I can’t tell if this was an automated message or not but you got me there!

Depending on your definition, about 6-10.”

6-10 IN A SHORT-ASS EMAIL. (Well, compared to the kinds I write…like the one you’re reading. LOL.) Finally, my response:

It’s not automated.

Good!

Now, can you rewrite that entire email to be POSITIVE instead of negative? Send it over my way.

This guy didn’t even notice his reflexive negativity with money. It’s become like a dull toothache, something he gets used to. And since negativity is his worldview — the “lens” through which he views everything — I guarantee it’s an invisible “drag” on his entire life.

I asked him to rewrite his email to be POSITIVE instead of negative because sometimes, it takes someone pointing out your pattern to shake you out of it.

auto credit v1

When I talk to people about money, here are the most common words they use to describe it:

“Anxious”

“Stressed”

“Is it too late”

(What words come to mind for you?)

But it’s even more revealing when you listen to the ways they talk about money.

What they say: “What’s my Rich Life? Well, I just want to go on vacation with my kids a couple times a year, nothing fancy…”
What they really mean: Notice those last two words — “nothing fancy.” When people talk about their Rich Lives, they almost always minimize their own dreams. When you’ve spent your entire life worrying about what can go wrong with money, it’s almost impossible to dream.

What they say: “How do I KNOW your programs will work?” OR “Will this book work for me if I live in Bolivia and I have a lazy left eye and I only eat mussels on Mondays?”

What they really mean: “I have a finite amount of money. If I spend it here, I need to know it will absolutely work, otherwise, I will have wasted my money…and there’s no way for me to ever earn more”

free traffic exchange

Are you about to say what I think you’re about to say?

What they say: “Even if I made $250,000/year, I wouldn’t eat out at a nice restaurant like that. What a waste!”

What they really mean: “I have never eaten at a place like that and I don’t want to be the kind of person who “has” to go there to enjoy food. I’m simple.” (One level deeper: “I’m nervous that if I ate there, I might actually like it. I don’t trust myself to avoid going there every single week and spending all of my money”)

What they say: “I shouldn’t get a credit card.”

What they actually mean: “I don’t trust myself to control my spending, therefore I need to restrict myself”

What they say: “I went to [ANY FOREIGN COUNTRY] and they tried to rip me off because I was an American”

What they really mean: “Well, yeah, I could have afforded an extra $5 for those postcards…but I HATE BEING RIPPED OFF. If someone else is winning and I am losing, I HATE IT”

So many of us make day-to-day money decisions, never understanding the “invisible scripts” that actually guide these decisions. And in America, money is driven by FEAR.

FEAR that we’ll never have enough.

FEAR that we can’t make more of it.

And FEAR that someone will judge us for our spending — or even what we want to spend on.

I hate this. That’s why I show you how to identify your Money Dials, the things you LOVE spending on, then I show you how to spend MORE on it.

free traffic to my website

Talking to a small group about money psychology. On book tour, I hosted private events in NYC event at Thompson Square Studios (NYC) and our Hills Penthouse (West Hollywood). As a reader of IWT, you can get your first month free at either of these locations. Please reach out directly to chelsea@thompsonhousegroup.com

I also show you how to get psychologically comfortable with the idea of changing your identity. People say “Money changes people,” in disgust, as if it’s a bad thing. Money should change you! It should let you dream bigger, it should let you live an easier or more adventurous life, and it should let you bring others with you (learn about the psychology of the wealthy).

But you can’t do that if you’re stuck thinking about money as a source of anxiety and fear.

An interviewer recently asked me what I would change from my 20s. I said, “I would have more FUN. I was too rigid. But the times where I had the most fun and I was the most successful was I just loosened up and tried a bunch of new things”

With money, try these different approaches.

Know that you can trust yourself. Know that you can eat at a really nice restaurant once for the experience — and truly enjoy it — but trust that I’m not going to trip and fall and end up going there every single week. You can also use credit cards without overspending (follow the systems in my book). You can pay off your debt and stay out of debt. You can become Rich and do good. Trust yourself.

Know that you can create more money. You can negotiate your salary — or find an entirely new job. You can start a business, even if you don’t have an idea. You can build your network to sidestep people with 10 years’ more experience than you — and get perks you’ve never dreamed of. All of those things can dramatically increase your income. Above all, your money is not a fixed pie that you have to exhaustively guard and protect. You can also expand the size of your pie.

Stop being afraid of waste. In puritanical America, one of the biggest no-nos is WASTE. Oh no! Ramit, if I start spending more on the things I love, I might “waste” some of my money!

How do I “KNOW” that your book will solve my exact, highly specific problem that I worry about every fucking day of my life? If it doesn’t, I’ve wasted $10!!!! Scammer!!!

Oh no! Ramit, what if I hire someone and they don’t handle my SEO, my WordPress uploads, design all my graphics, triple my conversion rates, write my entire email funnel, and create a new webinar system? I might have WaSTed the $13/hour I tried to pay them!!

Oh no, there’s so much government waste! We should ONLY focus on cutting government waste. Especially that one thing I really hate. What? It only represents 0.03% of total spend? No, that can’t be right. Anyway, we need to handle WaSTe. Also, don’t talk about raising my historically low taxes, you socialist.

If you spend your entire life worrying about waste, you miss a simple fact of life: In any system of sufficient complexity, there will always be waste. Yes, you should take measures to control it, but you should also accept that there will be a certain amount of waste — and move on!

I know that I’m going to buy courses and attend conferences that won’t be perfect for me. I know I’m going to eat at a restaurant that’s unmemorable. I know I’m going to make bad hires.

SO WHAT?

I’d rather try new experiences and learn with each one…than to sit back and let the bogeyman of “waste” scare me from doing anything at all.

So much of personal finance advice take your latent fears and heightens them.

NO! Don’t use a credit card, you might overspend a little!

NO! Don’t eat out at that restaurant, what a waste!

NO! Don’t try to negotiate your salary, you should just be happy you have a job!

If you spent the last ten years worrying about your waste and all the bad things you might do, you’ve accepted the message that you should be SCARED. That you’re an organism that simply reacts to whatever’s around you — that you have no agency or control.

Meanwhile, the people who have gone on offense have taken control of their own finances, their own psychology, started to earn more, and happily spend on the things they love. No anxiety. Just confidence and the systems to back it up.

You listen to these fears and end up frightened and anxious, sitting around worrying about all the things that can go wrong with money.

Or you can go on offense. You can take control of your money.

You can build a plan to spend extravagantly on the things you love.

You can EMBRACE making mistakes, knowing you’ll waste a little money, but it’s fine, because over the long term, those mistakes are minor, and you can create more wealth for yourselves.

You choose.

In my book, I wrote this:

Play offense, not defense. Too many of us play defense with our finances. We wait until the end of the month, then look at our spending and shrug: “I guess I spent that much.” We accept onerous fees. We don’t question complicated advice because it’s given to us in a language we don’t understand. In this book, I’ll teach you to go on offense with your credit cards, your banks, your investments, and even your own money psychology. My goal is for you to craft your own Rich Life by the end of Chapter 9. Get aggressive! No one’s going to do it for you.

My dream is for you to remove the shackles of negativity around money. To decide what you LOVE spending on, and spend more on it, so money goes from a source of anxiety and doubts to a source of joy and possibility and purpose.
How To Make Money Online Daily

Get my book here

And comment here if this resonates with you. I want to hear from you.

Scared of money? (Why & how to overcome your fear today) is a post from: I Will Teach You To Be Rich.

Capital One® Platinum Credit Card Review

The is a great credit-building choice with valuable perks that reward you for practicing responsible financial behavior.

Card APR Annual Fee Intro Bonus Credit Needed Key features
Capital One® Platinum Credit Card 26.99% (Variable) APR $0 None Fair to Good Credit-building

What we like about it

If you don’t want to go the secured credit card route but you still want to build your credit, the is a no-fuss way to accomplish that financial goal. This card boasts $0 in annual fees, no security deposit and eventual access to a higher amount of credit after an account review and five initial on-time payments. Besides the simple terms, the Capital One® Platinum Credit Card also touts benefits to support users trying to create a healthier financial future with perks like account alerts, autopay and easy access to your monthly recurring transactions for subscriptions and bills. These extras help card users stay vigilant and improve the chances of on-time payments.

In addition, $0 Fraud Liability protects you if the card is lost or stolen, which means you’re never on the hook for unauthorized charges. The included CreditWise app provides unlimited access to a user’s credit score, an important bellwether of creditworthiness. If you want to improve, rebuild or establish credit, this feature empowers you to take a hands-on approach to your credit card experience. CreditWise makes it easy to monitor your credit profile and immediately spot any issues or maybe even celebrate improvement.

You can imagine the Capital One® Platinum Credit Card as a kind of financial stepping stone to apply for another credit card in the future with lower rates, robust rewards or other perks that come with better credit health, which lenders use to evaluate credit card and loan applicants.

Things to consider

The main drawbacks of the are the lack of rewards and the low credit limit. If you’re looking to use this card as your main credit card, you’re not really going to get much out of it besides establishing a consistent credit history. For some credit card users who are just starting their credit history, this might be just fine. But if you’re a seasoned credit card holder, it might benefit you to look into options with rewards like cash back or travel points.

The other potential issue is the low credit limit. Again, if you’re just using this card as part of your strategy to build your credit, it may not be a big deal. This is especially true if you make the first five payments on time and successfully increase your credit limit.

Another drawback is the high-interest rate. This isn’t a great card to carry a high balance on or max out the limit, so if you choose this credit card, make sure you’re paying the balance in full each month. Otherwise, you risk creating a disastrous financial situation for yourself and watching your credit score dip.

Capital One® Platinum Credit Card credit-building details

After five months of on-time payments, your credit limit may increase after an official account review. If you don’t max out your new higher credit limit, your credit utilization ratio will be lower, an important factor that goes into your credit score. Just so we’re on the same page here, your credit utilization is defined as the amount of credit you’re actually using compared to the total available credit available. The lower your utilization, the higher the likelihood of a credit score bump

Capital One® Platinum Credit Card fees

Planning international travel generally means planning out what cards to use since some carry high foreign transaction fees when you swipe them aboard. The , however, has no foreign transaction fee, so you can make international purchases without an extra surprise cost tacked on. If you choose to get a cash advance, you’ll be charged $10 or 3% on the advance, whichever is more. Late payments will set you back up to $39. But there’s no penalty APR and no returned payment fee. Of course, it’s good practice to avoid making late payments even if there is no penalty. Practicing good financial habits over time can boost your credit score.

How does it compare to other credit-building cards?

The Citi® Secured Mastercard® is a smart credit-building choice with a slightly lower APR. The main difference here is that cardholders must put down a security deposit that acts as the credit limit, between $200 and $2,500. It’s held in a Collateral Holding Account, where it will not earn interest for a term of up to 18 months. However, there is no annual fee, and if you need to establish or rebuild your credit, this card can help you reach that goal.

The card is another secured option if you want to build credit for the first time or rebuild it while earning cash-back rewards. Plus, there’s no annual fee. But again, the drawback is that applicants must provide a security deposit in order to get approved for this card.

Both of these competitors provide new credit card owners and those trying to rebuild a chance to improve their credit in a low-risk manner. But both require a security deposit, and if you default on your account, those lenders can apply your deposit to your remaining balance and close your account.

If you don’t want to put down a security deposit, the Capital One® Platinum Credit Card is a prudent choice since it offers a lower credit limit with the chance of a higher credit limit later. It’s a no-frills way to pick up the pieces if you’ve made a few hiccups here and there during your financial life.

The bottom line

The provides beginners — and those who’ve had a couple of credit missteps — with a way to build up a better credit score. While you may start out with a lower credit limit, on-time payments can unlock access to a higher line of credit. This is an excellent choice for credit card users who don’t want to deal with the hassles of secured credit cards and don’t want or need rewards.

Editorial Note: Compensation does not influence our recommendations. However, we may earn a commission on sales from the companies featured in this post. To view a list of partners, click here. Opinions expressed here are the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertisers. Reasonable efforts are made to present accurate info, however all information is presented without warranty. Consult our advertiser’s page for terms & conditions.

The post Capital One® Platinum Credit Card Review appeared first on The Simple Dollar.

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Scared of money? (Why & how to overcome your fear today)

The more I see people talk about money, the more I see how SCARED we are of it.

How we let others poison our views of money.

And how easily we use negative words to describe it.

Here’s an email I got from someone who read my book, I Will Teach You To Be Rich. What do you notice?

“Frick it, I guess I’ll write the email…

Money stresses me out. My parents didn’t teach me anything about it and I’m very dependent right now. I did a year of nonprofit and made about 10k after taxes and it was miserable, so I figured if I can pull that off for one year then I can make it work. And I did! But I don’t know if I’ll hit it this year (it’s a bit depressing and a big source of anxiety). I think time is the name of the game though, the career is moving forward, hopefully, game sales will kick in passive income.

For the “rich life” I’m a simple person. I want enough money to be able to travel. I want to own a dog. I want a kitchen with an island. I want to have a nice desktop and a nice coffee table. My partner doesn’t want to own a house but I kind of do. Since I don’t have a full-time job outside of my freelancing which is currently in a drought period, I don’t have really ANY money, averaging about $250 a week.”

My response:

“Good stuff. Great to meet you

Now I want you to look at your email and count the number of times you use negative words to describe your life/money. How many do you count?”

His response (notice the skepticism):

“Ha, I can’t tell if this was an automated message or not but you got me there!

Depending on your definition, about 6-10.”

6-10 IN A SHORT-ASS EMAIL. (Well, compared to the kinds I write…like the one you’re reading. LOL.) Finally, my response:

It’s not automated.

Good!

Now, can you rewrite that entire email to be POSITIVE instead of negative? Send it over my way.

This guy didn’t even notice his reflexive negativity with money. It’s become like a dull toothache, something he gets used to. And since negativity is his worldview — the “lens” through which he views everything — I guarantee it’s an invisible “drag” on his entire life.

I asked him to rewrite his email to be POSITIVE instead of negative because sometimes, it takes someone pointing out your pattern to shake you out of it.

auto traffic exchange

When I talk to people about money, here are the most common words they use to describe it:

“Anxious”

“Stressed”

“Is it too late”

(What words come to mind for you?)

But it’s even more revealing when you listen to the ways they talk about money.

What they say: “What’s my Rich Life? Well, I just want to go on vacation with my kids a couple times a year, nothing fancy…”
What they really mean: Notice those last two words — “nothing fancy.” When people talk about their Rich Lives, they almost always minimize their own dreams. When you’ve spent your entire life worrying about what can go wrong with money, it’s almost impossible to dream.

What they say: “How do I KNOW your programs will work?” OR “Will this book work for me if I live in Bolivia and I have a lazy left eye and I only eat mussels on Mondays?”

What they really mean: “I have a finite amount of money. If I spend it here, I need to know it will absolutely work, otherwise, I will have wasted my money…and there’s no way for me to ever earn more”

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Are you about to say what I think you’re about to say?

What they say: “Even if I made $250,000/year, I wouldn’t eat out at a nice restaurant like that. What a waste!”

What they really mean: “I have never eaten at a place like that and I don’t want to be the kind of person who “has” to go there to enjoy food. I’m simple.” (One level deeper: “I’m nervous that if I ate there, I might actually like it. I don’t trust myself to avoid going there every single week and spending all of my money”)

What they say: “I shouldn’t get a credit card.”

What they actually mean: “I don’t trust myself to control my spending, therefore I need to restrict myself”

What they say: “I went to [ANY FOREIGN COUNTRY] and they tried to rip me off because I was an American”

What they really mean: “Well, yeah, I could have afforded an extra $5 for those postcards…but I HATE BEING RIPPED OFF. If someone else is winning and I am losing, I HATE IT”

So many of us make day-to-day money decisions, never understanding the “invisible scripts” that actually guide these decisions. And in America, money is driven by FEAR.

FEAR that we’ll never have enough.

FEAR that we can’t make more of it.

And FEAR that someone will judge us for our spending — or even what we want to spend on.

I hate this. That’s why I show you how to identify your Money Dials, the things you LOVE spending on, then I show you how to spend MORE on it.

free traffic exchange

Talking to a small group about money psychology. On book tour, I hosted private events in NYC event at Thompson Square Studios (NYC) and our Hills Penthouse (West Hollywood). As a reader of IWT, you can get your first month free at either of these locations. Please reach out directly to chelsea@thompsonhousegroup.com

I also show you how to get psychologically comfortable with the idea of changing your identity. People say “Money changes people,” in disgust, as if it’s a bad thing. Money should change you! It should let you dream bigger, it should let you live an easier or more adventurous life, and it should let you bring others with you (learn about the psychology of the wealthy).

But you can’t do that if you’re stuck thinking about money as a source of anxiety and fear.

An interviewer recently asked me what I would change from my 20s. I said, “I would have more FUN. I was too rigid. But the times where I had the most fun and I was the most successful was I just loosened up and tried a bunch of new things”

With money, try these different approaches.

Know that you can trust yourself. Know that you can eat at a really nice restaurant once for the experience — and truly enjoy it — but trust that I’m not going to trip and fall and end up going there every single week. You can also use credit cards without overspending (follow the systems in my book). You can pay off your debt and stay out of debt. You can become Rich and do good. Trust yourself.

Know that you can create more money. You can negotiate your salary — or find an entirely new job. You can start a business, even if you don’t have an idea. You can build your network to sidestep people with 10 years’ more experience than you — and get perks you’ve never dreamed of. All of those things can dramatically increase your income. Above all, your money is not a fixed pie that you have to exhaustively guard and protect. You can also expand the size of your pie.

Stop being afraid of waste. In puritanical America, one of the biggest no-nos is WASTE. Oh no! Ramit, if I start spending more on the things I love, I might “waste” some of my money!

How do I “KNOW” that your book will solve my exact, highly specific problem that I worry about every fucking day of my life? If it doesn’t, I’ve wasted $10!!!! Scammer!!!

Oh no! Ramit, what if I hire someone and they don’t handle my SEO, my WordPress uploads, design all my graphics, triple my conversion rates, write my entire email funnel, and create a new webinar system? I might have WaSTed the $13/hour I tried to pay them!!

Oh no, there’s so much government waste! We should ONLY focus on cutting government waste. Especially that one thing I really hate. What? It only represents 0.03% of total spend? No, that can’t be right. Anyway, we need to handle WaSTe. Also, don’t talk about raising my historically low taxes, you socialist.

If you spend your entire life worrying about waste, you miss a simple fact of life: In any system of sufficient complexity, there will always be waste. Yes, you should take measures to control it, but you should also accept that there will be a certain amount of waste — and move on!

I know that I’m going to buy courses and attend conferences that won’t be perfect for me. I know I’m going to eat at a restaurant that’s unmemorable. I know I’m going to make bad hires.

SO WHAT?

I’d rather try new experiences and learn with each one…than to sit back and let the bogeyman of “waste” scare me from doing anything at all.

So much of personal finance advice take your latent fears and heightens them.

NO! Don’t use a credit card, you might overspend a little!

NO! Don’t eat out at that restaurant, what a waste!

NO! Don’t try to negotiate your salary, you should just be happy you have a job!

If you spent the last ten years worrying about your waste and all the bad things you might do, you’ve accepted the message that you should be SCARED. That you’re an organism that simply reacts to whatever’s around you — that you have no agency or control.

Meanwhile, the people who have gone on offense have taken control of their own finances, their own psychology, started to earn more, and happily spend on the things they love. No anxiety. Just confidence and the systems to back it up.

You listen to these fears and end up frightened and anxious, sitting around worrying about all the things that can go wrong with money.

Or you can go on offense. You can take control of your money.

You can build a plan to spend extravagantly on the things you love.

You can EMBRACE making mistakes, knowing you’ll waste a little money, but it’s fine, because over the long term, those mistakes are minor, and you can create more wealth for yourselves.

You choose.

In my book, I wrote this:

Play offense, not defense. Too many of us play defense with our finances. We wait until the end of the month, then look at our spending and shrug: “I guess I spent that much.” We accept onerous fees. We don’t question complicated advice because it’s given to us in a language we don’t understand. In this book, I’ll teach you to go on offense with your credit cards, your banks, your investments, and even your own money psychology. My goal is for you to craft your own Rich Life by the end of Chapter 9. Get aggressive! No one’s going to do it for you.

My dream is for you to remove the shackles of negativity around money. To decide what you LOVE spending on, and spend more on it, so money goes from a source of anxiety and doubts to a source of joy and possibility and purpose.
Free Traffic Generator

Get my book here

And comment here if this resonates with you. I want to hear from you.

Scared of money? (Why & how to overcome your fear today) is a post from: I Will Teach You To Be Rich.

Relive Harry Styles' Star-Studded Dating History, From Taylor Swift to Kendall Jenner

Kendall Jenner, Harry Styles, The Late Late ShowA list of Harry Styles’ exes reads like a Who’s Who of the most beautiful women in entertainment.
The 25-year-old pop singer rose to fame almost a decade ago with One Direction,…

How Does Marijuana Use Affect Your Life Insurance Rates

Marijuana use will not automatically exclude you from the best life insurance policies. We cover everything you need to know.Marijuana use will not automatically exclude you from the best life insurance policies. We cover everything you need to know.

The post How Does Marijuana Use Affect Your Life Insurance Rates appeared first on Money Under 30.

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Spend One Minute Doing This to Earn 5 Cents/Gallon in Points to Save on Gas

There are a lot of ways to save money on gas. You can drive across town to find the cheapest gas station. You can obsess over finding the quickest route. Or you can spend one minute downloading an app that automatically earns you points to save money when you fill up your tank.

Sound easier? We think so, too. With the Exxon Mobil Rewards+ app, you automatically earn points to save money every time you fill up at Exxon or Mobil stations. Until February 2020, you can earn 5 cents per gallon, compared to the app’s usual offer of 3 cents.

It also lets you pay easily and securely through the app — without swiping a card. 

Watch Your Savings Pile Up With the Exxon Mobil Rewards+ App

If you’re consistent about it, that nickel discount really adds up. 

Consider this: The average American driver goes through roughly 650 gallons of gas per year.

At a current average price of about $2.30 per gallon, that means your typical American spends about $1,500 a year on gas.

At that rate, this app could save you $32.50 per year — free money that you could pocket or that you could spend on whatever you want.

Oh, you’re a two-car family? That’s $65 in the bank.

If you drive a lot, you’ll save even more.

You’re a VIP at 11,500 Stations

It’s easy to be consistent about using the app whenever you get gas, too.

That’s because Exxon and Mobil have about 11,500 gas stations scattered across the North American landscape. Seriously, they’re everywhere. You can earn points to automatically get discounts at all of those stations.

Even if you’re not the kind of driver who actively hunts for a particular kind of gas station, the odds are good that, wherever you are, you’ll find an Exxon or Mobil station nearby. Just Google it. There’s probably a station, like, one minute from you.

The Easiest Way to Save on Gas

It takes just a minute to download the app on Apple or Android and connect your payment information (credit, debit or Apple Pay). Once you’re parked next to a gas pump, you just press a button in the app, and the app turns the pump on. Plus, doing everything through the app means you won’t risk subjecting your credit card to illegal skimmers attempting to steal your credit card information. 

Here are some nitty-gritty details about the app:

  • When you buy gas with the app, you earn rewards points.
  • Once you have 100 rewards points, you can start redeeming your points on gas purchases.
  • Until February 2020, you can earn points to save 5 cents per gallon on gas this way. That’s a temporary increase from the typical 3 cents per gallon with this app. So if you’re thinking about signing up, the sooner the better.
  • If you’re filling your tank with premium gas, you can earn points to save 10 cents per gallon through February 2020.  

We can’t think of an easier way to save on gas. If you’re ready to start earning and saving at the pump, download the app and get started. 

Mike Brassfield (mike@thepennyhoarder.com) is a senior writer at The Penny Hoarder. He drives a lot and would love to save on gas.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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