Money

Your finances are important. We know that! We also know that one of the keys to living a good life is to be able to adequately use the money you have to obtain the resources you need.

That’s why we interviewed experts at GreenSprout, a finance blog with a mission to educate everyone financially on the most popular finance apps in the market. Below are the details of the interview.

WHAT ARE FINANCE APPS?

Finance apps are software applications downloadable on your mobile devices for financial service purposes.

WHAT ARE THE TYPES OF FINANCE APPS?

Finance apps can be used for several purposes. Thus, there are different types of Finance apps. These include Budgeting apps, Investment apps, and Cost-cutting apps.

Budgeting apps are designed to help you plan and follow your monthly budget. They also help to track your spending habits and expenses to best attain your financial goals.

Investment apps help you customize how you invest and make money. In contrast, cost-cutting apps are designed to help you keep track of your subscription-based expenses. This will enable you to know where your money is being spent. With that, you can decide which to stop or put on hold.

WHAT ARE THE MOST POPULAR FINANCE APPS IN 2022?

At GreenSprout, we are always on the lookout for the best finance apps. First is the Spendee app, which allows people to manage their finances as a household or group. It’s easily accessible to all parties. However, the bank account sync is only available on the premium plan, which costs 2.99/month or 22.99/year.

Next is You Need A Budget. This app is very popular because of its effectiveness. It provides detailed budgeting and spending reports and is easy to use. It allows a free trial, which charges $14.99/month or $98.99/year.

Mint is another great budgeting app that allows you to track your spending habits and monitor your credit health. It has a free feature, but this comes with ads. You can subscribe to the premium feature for $4.99/month to avoid ads. The app is also easy to use.

Lastly, we have Acorn, which offers about 25 expert-designed ETFs featuring over 7000 companies. It charges only $3/month for a personal plan and $5/month for a family.

WHAT ARE THE BEST CHEAP FINANCE APPS?

While high-end finance apps have proven themselves in the industry. Cheap finance apps are also trying to catch up. Some of them are; Ellevest, Truebill, and TRIM.

Ellevest is a very popular investment app, especially among women. This is because it is made by and for women. Depending on your plan, they offer personalized investing, financial planning, and retirement investing features at only $1-$9/month.

On the other hand, TrueBill goes through your bank statement to confirm all your current subscriptions. Subsequently, you can choose the ones you wish to keep paying for and the ones you want to cancel. Lastly, TRIM can sift through your bank statements to eliminate unwanted subscriptions.

WHAT ARE THE BEST FINANCE APPS FOR BUSINESS?

Some of the best finance apps for business include; Xero, QuickBooks, FreshBooks, and Wave.

 

33 million Americans bought cryptocurrency in 2022. Look at diversifying your portfolio and investing in cryptocurrency. Keep reading if you’d like to learn about the best cryptos to buy.

In this guide, you’ll learn when to buy cryptocurrency. There are better times of the day and month to invest in cryptocurrencies.

Ready to learn more? Check out the crypto tips below.

Ensure You Have the Finances to Invest

The best time to invest in cryptocurrency is when you have some available finances to buy the crypto.

You can use a dollar-cost averaging approach. This way, you control the volatility of your cost and try to avoid some of the roller coasters.

Don’t put more into crypto than you’re willing to end up losing. Cryptos aren’t guaranteed winners or even asset classes that provide security. Some cryptocurrencies can end up hitting zero.

There have been reports about people making large amounts of money when they buy at the right time. Yet, most of the time, it’s about luck and not the particular timing of the market.

What About the Best Time of Day?

Crypto trades will occur throughout the day. Even in the early morning, people will make crypto trades. You could time your trades to a specific time. Yet, you might not see many patterns when you analyze the data.

Compare the trading activity of Cardano, Ether, Solana, and Bitcoin. These cryptos have high cap rates and tend to fall and rise together. They are helpful when comparing windows of time for a buy.

Consider checking out the data from November and October. The best time during these months was usually in the morning and early. Other coins aren’t considered as severe but follow similar patterns.

Dogecoin, Inu, and Shiba were some of the ones that mimicked the design. Try undervalued crypto like Filecoin or Polygon. Learn about Filecoin price options.

During the Week

During the week, the best time to buy crypto is on a Thursday. Six of the eight weeks usually saw a dip during this time. If the trend continues, Thursday morning will continue to be the time to buy.

The second best day is usually a Monday, then Friday and Saturday.

Try Investing at the End of the Month

Crypto is constantly changing, so it’s challenging to time purchases. The values usually rise in the first part of the month and then get followed by a price collapse.

Most people sell after it increases during the second part of the month. The best time of the month right now looks like the end.

This will vary with other smaller altcoins or cryptos. Based on the coins with high cap rates, the trend remains consistent.

Start Preparing to Invest in Cryptocurrencies

Will you invest in Cryptocurrencies this year? Consider looking at the different types of crypto and consider what one you want to buy.

You shouldn’t invest in crypto and more money than you’re comfortable losing.

Want to learn more financial tips? Check out the personal finance resources on the blog today.

 

We might all be different in many ways, but we have a lot in common; we all have to budget our lifestyle to be in line with our income and as you would expect, some people are better at money management than others. You do need a degree of self-control in order to live within your means and if you are struggling to make ends meet, here are a few money management tips.

1. Cash payments – While we are definitely heading for a cashless society, paying cash does have its pluses; you know how much you are spending when you use dollars and for some, paying with plastic doesn’t seem to register what you are actually spending. While some places insist you pay electronically, if you use good old cash when you can, you’ll have a better idea how much you’ve spent.
2. Read up on personal finance – There are a million and one books to educate you about managing your personal finances; a simply Google search will bring up thousands of websites offering similar knowledge and the first thing to do is list all of your weekly expenses, essential and non-essential, then look at your weekly earnings and there should be enough left over to start saving. While we don’t advise you to borrow regularly, if you have an emergency, you can always get a Cashify loan to get by.
3. Saving your coins – Get one of those huge glass jars and leave it in the hall and drill it into your mind to put all your coins in there when you arrive home. It might not seem like a lot of money, but as time passes, you will be surprised at how much that jar contains and whatever you do, resist the urge to dip into your piggy bank. The sooner you get into the habit of saving a portion of your salary, the better; some people set up a direct debit to their savings account, which is a great way to make sure you don’t spend your nest egg.
4. Set saving goals – While many people complain that saving is impossible, most can put away a few dollars for the future and there’s one great thing about saving, you will never regret it! Start by listing your monthly outgoings in 2 columns; essential and non-essential, then look at the balance after all has been paid – that is the minimum figure you should be able to save and by cutting out a few non-essentials, you can increase that figure. Click here for information on how to get a free debit card.
5. Reduce your shopping trips – Let’s be brutally honest here, it is only when we go shopping that we seem to spend money and by cutting down on the number of times you are around stores is bound to lead to a saving. The media hurls commercials at us from all directions, desperately trying to convince you to buy that new car or try the latest iPhone, so a degree of self-control is required sometimes.

Managing your personal finances is an integral aspect of adult life and this is to wealth generation and that leads to financial security. Good luck out there!

 

Signing up for a free debit card is amazingly simple, with few exceptions. The only things you’ll need to provide are your name, some contact information, and an email address or a phone number. Depending on what type of an account you’re signing up for, you may be asked to provide your social security number, birthday, address, and employer information to set up “direct deposit.”

But just because signing up is a no-brainer, that doesn’t mean there aren’t other things to consider.

1 How will you use the card?

Different cards have different purposes. Some cards offer price protection, whereas others offer rebates or discounts on gas. Maybe the card has a cash-back program on internet purchases at certain retailers. Know the purpose of the card before signing up for it.

2 Know the interest rate.

Most debit cards also allow you to use them as credit cards. Some draw from the bank account regardless of whether you select credit or debit. Others are designed to charge you interest for your purchases if you don’t pay the money back immediately. Know which type of card for which you’re signing up.

A debit card’s interest rate can benefit you, too. How? If you’ve signed up for a card that doubles as a savings account, your money in the account can work for you by earning high-interest savings account.

3 Know where the card’s free ATMs are.

When you sign up for a debit card, it’s best to check where the card’s ATMs are. It’s somewhat useless to sign up for a card that the ATMs are places you rarely or never visit.

In a similar vein of thought, know where you can load cash onto the card. Having a prepaid card does you no good if you can’t reload it.

The more places you can use free ATMs and cash loading sites, the better off you’ll be.

4 Know what fees you’re paying

• Some cards cost money to activate; other debit cards are free to use.
• Some cards get fees for checking account balances. Others ask for a nominal fee, somewhere between $0.50 – $5.00 per time.
• Some cards offer a free card if it’s lost; others have to pay a fee for each new card issued, but the value you had on it is accessible with the new card.
• Some charge you a fee per purchase. Others you pay by the month
• Some require you to use them once a month or get an inactivity fee for nonuse. Others don’t care.
• Some make you pay extra when you’re out of the country. Others don’t charge any additional fees for foreign transactions.
• Most prepaid bank cards charge a paper statement fee.
• Some cards will charge a fee for declining a purchase.
• “Bill payment fee” is a fee for using bills, typically things like phone, gas, or lights.

When deciding on which free debit card to sign up for, choose the card that has the least number of fees possible. Also, the fees that are charged should be nominal. If you’re fortunate, you might find a bank card that doesn’t charge fees at all, but this is exceedingly rare.

5 Know all the different ways you can use the card

Some cards have a “chip” and require you to insert it into the machine. Others are “swipe only.” Some cards have protections that disallow internet transactions above a specific dollar amount or will monitor the card’s location, thus making it impossible to purchase on a computer with an active VPN. Others allow you to connect the card to phone apps, like Google Pay, Apple Pay, and Cash App. Most prepaid cards come with an app that you can download to check the balance and move money around or use to pay bills.

6 Know what protections the card offers

Reputable cards are FDIC insured against unauthorized purchases.

Some cards have an additional layer of security by sending out alerts regarding purchases and the ability to lock and unlock the card using their app.

7 Know the card’s terms and restrictions

Any time you sign up for a card, there are several pages of terms and restrictions – things you’re allowed to do and things that will break the card’s terms of service (TOS) agreement. Even though it’s mostly the same from card to card, it’s still a good idea to skim through it before signing. There may be services you want from a card that the card doesn’t provide. Conversely, there may be things you regularly do the TOS agreement disallows.

The Yotta Card

Sign up for the Yotta Card. It’s a free debit card insured by the FDIC, with the extra benefit of having 55,000 in-network ATMs and 90,000 places where you can load money onto the card. Unlike other cards, you can win money simply by using the card. Sign up for yours today!

 

Before renting an apartment, it is vital to thoroughly check the building’s appliances. This includes washing machines and dishwashers and should open and close easily. Additionally, it is essential to take note of any cracks in the walls or baseboards, as these can be indications of water damage. There are also a variety of pests that can live in an apartment, and you should be aware of the possibility of having to deal with them.

As much as possible, you should visit the apartment in person before signing a lease. While you will be excited and happy to move in, you shouldn’t let your excitement take over your judgment. There may be hidden issues that are not visible to the naked eye or are even illegal. By conducting a thorough check before renting an apartment, you will be able to avoid potential problems and avoid a hefty rental bill.

HOA rules and regulations

When going towards apartments for rent, there are often HOA rules and regulations to keep in mind. Although HOA rules may seem restrictive at first, they are generally designed to benefit both the community as a whole and individual homeowners. By implementing these policies, residents can maintain the values of their homes and the community’s atmosphere. Read the rules carefully and comply with them to ensure that you are renting an apartment in compliance with HOA regulations.

First, renters are subject to the same HOA rules as owners. Owners of rental properties must communicate the rules and regulations to renters. If tenants don’t follow them, penalties may occur. In some cases, landlords must take legal action to recover fees. HOA rules and regulations are often outlined in governing documents. Once a renter fails to follow these rules, the landlord is liable for any fines.

Utility costs

When renting an apartment, there are many factors to consider regarding utility costs. These costs depend on several factors, including the size of the apartment, the region you live in, and which utility provider you choose. You should also take into consideration how much water and electricity you use in a given month. For example, if you live in the Midwest, your water bill will likely be higher than if you live in a warmer area. You should also consider replacing an old water heater and replacing the air filter in your furnace or air conditioning system every three months. Lastly, you should be aware that using a smaller showerhead or brushing your teeth in a colder temperature can save you money on your utility bills as well.

Although you won’t know exactly how much you’ll be spending on utilities when you rent an apartment, it’s a good idea to ask your landlord for past utility bills. You can also call utility companies directly to get an idea of how much they average per month for that unit. Using an online calculator can help you estimate the cost of living in a new place before signing the lease. Utility costs can be high, but you don’t need to pay more than you can afford to spend.

Living with a roommate

There are a number of benefits to living with a roommate. Rent is usually cheaper if two people share a room, and they can split the costs of furniture, groceries, and utilities. However, roommate relationships are not without snags. The relationship may end up being strained over issues such as housekeeping, noise, and bill payment. Luckily, there are some tips for choosing a roommate that will work for everyone.

One of the most important things to consider when choosing a roommate is compatibility. The roommate should share common interests, like hobbies or similar interests. It is also important to decide on communication methods. The roommate should agree on a set of rules for summer and winter temperatures, as well as a way to coordinate and communicate with each other. If there is a history of conflicts, roommate problems can be avoided.

 

In December 2021, Earnity closed a $15 million round of Series A financing, led in part by Bitcoin mining firm BitNile. Dan Schatt and Domenic Carosa, two of Earnity’s executives, seek to provide users with an online marketplace where crypto users can gain, collect, research, and exchange tokens and portfolios of digital assets.

The number of decentralized finance (DeFi) users grows daily, with new opportunities emerging rapidly. However, while DeFi purchases offer many advantages, they also come with significant risks. Even billionaire buyers are not immune to risks when it comes to DeFi. For example, renowned sports team owner and media proprietor Mark Cuban fell prey to an alleged scam by seeing his purchase of a DeFi token crash to zero in just a single day.

Cuban experienced a rug pull scam, a significant risk that DeFi buyers must be wary of. DeFi rug pull is a scam wherein product or project developers abandon the endeavor and run away with buyers’ funds. Back in 2020, it was reported that rug pull scams comprised 99% of all crypto frauds.

Over the past couple of years, several other risks in DeFi purchases have risen. Another is the risk of impermanent loss, which refers to the money lost by a buyer who has placed funds or locked their assets in liquidity pools for DeFi lending. Given the volatile nature of crypto tokens, there is always the threat of impermanent loss.

Furthermore, there are also technological risks involved in DeFi purchases, especially since transactions are performed over blockchain technology. If there are issues with a developer’s code, unknown errors might affect DeFi products and protocols.

Earnity, under the leadership of Dan Schatt and Domenic Carosa, plans on helping manage DeFi risks by creating a social-first platform where users can be educated on the financial system through community interaction and insight sharing. Additionally, news and commentary on the latest in the industry will be available.

 

The Giving Pledge

The Giving Pledge is a moral commitment, not a legally binding one. It is a pledge that some of the world’s wealthiest individuals have adopted. It states that these individuals promise to donate a substantial amount of their income, either during their lives or at the time of their death, to foundations, organizations, or charities that help mankind. Currently, over 200 individuals and families have committed to the Giving Pledge. Here are a few of the people who have joined, along with quotes explaining why they feel the pledge is important.

Yuri Milner

“In creating the Giving Pledge, Warren Buffett and Bill and Melinda Gates have not just encouraged us to invest in problem-solving. They have also brought something approaching the scientific method to philanthropy. This means not just giving, but trying to learn from real-world experience and experiment to give effectively.”

Yuri Milner is a businessman and investor. He began his career as a scientist, and believes in giving back to science in various ways. One of the ways that he is working to fulfill his Giving Pledge is by creating foundations that reward scientists who are making huge contributions to the biology, math and physics fields, as well as scholarships for teenagers who are talented at science communication. By investing in scientists and young people interested in science, Mr. Yuri Milner and his wife Julia hope that they can go on to create advances that may change the world.

Ronald Perelman

“I can think of no greater example as to why giving now and seeing the benefits firsthand can be the single most rewarding thing any of us can do. I support this pledge to designate half my assets for the benefit of charitable purposes during my lifetime and through my foundation.”

Ronald Perelman is an American banker, businessman, and investor. He has taken the pledge and primarily gives to medical causes. Perelman devotes a large portion of his fortune to fund research that has already helped to advance breast cancer diagnosis and treatments. One of the greatest pleasures of his life was meeting someone who told him that her sister is alive thanks to the money he used to help fund breast cancer research programs.

Sue Ann Arnall

“Money does not buy happiness, but it can buy freedom — freedom from worry about your, or your child’s, wellbeing or next meal; or freedom from worry about simply surviving another day. So, I take this privilege of wealth with a great deal of gratitude and humility, and will attempt to use it to buy freedom from those shackled by poverty, neglect, or the cruel fate of circumstance.”

Sue Ann Arnall is the ex-wife of oil tycoon Harold Hamm. Ms. Arnall believes that the rich can use their wealth to change people’s lives. She not only contributes money but also donates her time. Sue Ann Arnall is currently involved with two large charities. One helps autistic youth while another assist foster children. As an animal lover, she also donates her money to help reduce animal euthanasia that takes place simply because shelters are overcrowded.

Brian Armstrong

“Whether it’s through improving education, creating a more level playing field, or increasing economic freedom, I’m interested in helping more people see their ideas come to fruition in the world.”

The CEO of cryptocurrency platform Coinbase gives back to his local community in several different ways. First off, as someone involved in the tech world, Brian Armstrong knows that many amazing technology ideas never see the light of day due to a lack of funding. He is helping to fund some of these concepts, assisting those who have great ideas but little money to launch their websites or platforms. Mr. Armstrong also gives back to the impoverished in the community, primarily through the GiveCrypto.org foundation.

Yuri Milner, Ronald Perelman, Sue Ann Arnall, and Brian Armstrong are just a few of the wealthy individuals who have committed to The Giving Pledge to contribute large amounts of their riches to philanthropic or humanitarian efforts. Each of these individuals is unique and has their passions. However, the money they donate promotes various causes that can help humanity as a whole.

 

Unless and until one is involved in an accident where his/her auto or health insurer was reimbursed for the payment amount made, the concept of subrogation claim seems unclear. But a situation might arise due to car accidents and personal injury claims, one has to hire an NYC subrogation attorney. Legal professionals equipped with the know-how, understanding, and experience with subrogation claims can be beneficial.

What are subrogation claims?

It is the process in which the policyholder’s insurance company reimburses what is paid for medical bills, car repairs, replacements, and other disability benefits due to mainly car accidents and personal injury cases. When an insurance company pays for the damages the policyholder sustains from a car accident without ant fault, the insurance company under the policyholder’s coverage policy has the right to claim anything from the party at fault.

The right to claim or reimbursement, particularly in the case of car and health insurance situations is referred to as the right of subrogation. When the insurance pays the benefits under the situation confirming that a third party is responsible for the loss and personal injury, it puts the insurance company for the at-fault party on notice of the subrogation claims. Catering to the subrogation claim is one of the vital steps in the process of an insurance claim.

Subrogation claims in matters of personal injury cases

The subrogation claims of an insurance company serve as a lien against the proceedings of any settlement or verdict. When the settlement is finalized with the at-fault party’s insurance company, the policyholder (claiming for the subrogation) must share the details of the settlement with his/her insurance company. In some states, the insurance companies with subrogation claims are given a priority over other insurer claims.

Moreover, when an insurance company has a long list of subrogation claims in comparison to the amount of liability insurance covering the negligent individual, the settlement of the policyholder or the victim in this scenario can completely be concluded by the subrogation claims of the insurance company. It is always recommended to consult an NYC subrogation attorney to get things clear as the whole insurance claim process is complex.

The need for a competent subrogation attorney

There are several advantages of hiring a skilled, experienced, and knowledgeable personal injury attorney who can smartly handle the subrogation claims. An experienced attorney is competent enough to maximize the net recovery of a policyholder, who is also claiming compensation for the losses he/she has suffered.

Moreover, an attorney with the understanding and know-how of insurance law along with the technical concepts of subrogation law can help his/her client from paying unnecessary subrogation that he/she doesn’t owe anyone. In case, a personal injury lawyer is associated with the client’s insurance company from the start, he/she can come up with arrangements in favor of those subrogation claims that the client truly owes.

Conclusion

Investing money in an experienced and skilled NYC subrogation attorney is worth the investment. Hiring an attorney can be beneficial in so many ways, the most evident being the rights and entitlements of compensation claims stay protected.

 

 

 

 

Cryptocurrency market develops rapidly and, of course, Ukrainian business participates actively in this development. You can see that the number of platforms, providing the ability to work with cryptocurrency assets, grows every day. In this situation it is very important to choose cryptocurrency exchange wisely, so it will meet your expectations. What should be taken into account while choosing cryptocurrency exchange? These should be such criteria as:

• Exchange reliability rating. You can easily find this factor on the internet.
• How many different cryptocurrencies are supported.
• Can you trade fiat currency?
• Can you use your bank card?
• What are the funds withdrawal conditions?
• What fees are applied to different operations.

Also, let’s add such important aspects as additional trading instruments availability and, that is very important, daily trading volumes for current exchange. Don’t forget to pay attention to how exchanges keep clients’ assets.

As you can see, there are a lot of different criteria to choose top crypto exchange. To allow you to avoid wasting your precious time searching for a reliable service provider we can suggest you the below list of TOP 5 crypto exchanges from the Ukrainian market.

Binance

This cryptocurrency exchange is the worldwide leader of TOP cryptocurrency exchanges. Users are attracted not only by the intuitive multi-language interface but also by the impressive amount of available trading pairs that are supported with various trading instruments to trade different currencies. Binance offers such formats as spot and even futures trading, deposits, stacking, P2P.

WhiteBIT 

This relatively young Ukrainian cryptocurrency exchange operates at least 100 cryptocurrencies. WhiteBIT offers profitable smart-stacking that allows it to gain up to 45%.  Client’s are provided with a convenient interface with easy to understand infographics and various functions, such as take-profit and stop-loss.

Okex

This relatively young cryptocurrency exchange offers the user the demo account to test strategy without risking your investments. In Okex portfolio you will find variety of different instruments from margin mode to crypto loans.

Huobi Global

Company grants the highest security level for the client’s assets. Huobi Global offers fiat money exchange, futures, leverage trading and also stacking – mining alternatives.

KuCoin

KuCoin exchange offers withdrawal of funds up to 5 BTC for unregistered users. After successful verification users can withdraw up to 200 BTC to a bank card. Also futures and stacking are available.

For beginners, crypto can seem thrilling yet complicated to trade, but fortunately, Earnity—a new crypto marketplace and platform—is changing all of that in 2022, with a vision to bring accessible crypto to everyone’s fingertips.

The beta form of the unique platform is being launched in Q1 2022, and through it, an increased number of online users are going to learn how to make crypto and decentralized finance work for them in a whole new way. According to the platform’s makers, learning about, securing, and using crypto is still extremely complicated, unfortunately keeping crypto’s mass adoption rate lower than it should be. These trends seem to be particularly true in places and populations that would benefit the most from this technology. However, Earnity’s curated marketplace offers tokens that will allow everybody to earn, learn, and save intuitively and straightforwardly.

Before the crypto and financial technology, veterans leading the company came together. They founded businesses, successfully raised capital, and created cutting-edge fintech products, so you can expect their platform to be the cream of the crop in today’s social trading world. Specifically, on the platform, users will embrace not only simplicity but also security and opportunities to share great ideas.

With so many cryptocurrencies available for trading today, users can easily find digital assets that they will be comfortable with trading at the beginning of their investment career. Larger cryptocurrencies, such as bitcoin and Ethereum, have historically hit multiple highs, and their prices could very well continue to climb in the future. In light of the unprecedented accessibility and large volume of crypto today, novice investors are encouraged to consider trying Earnity in 2022 to increase their cryptocurrency knowledge, according to the marketplace’s creators. In this way, they can begin to build crypto-fueled nest eggs that will carry them well into the future financially.