Technology http://www.wisebread.com/taxonomy/term/8130/all en-US The 5 Best Instant Cameras http://www.wisebread.com/the-5-best-instant-cameras <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-instant-cameras" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_instant_camera_510565206.jpg" alt="Woman using the best instant cameras" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Instant cameras seem to be all the rage right now. They combine old-school Polaroid cameras with new-world technology. They can print out photos that you want to share instantly with friends and family, so they&rsquo;re a must-have for any special occasion.</p> <h2>What Is an Instant Camera?</h2> <p>An instant camera uses self-developing film, which takes photos like a traditional camera and instantly prints out the photograph. It is easy to use; simply snap, print, and share your photos. Some photographers use them regularly, while others find these to be fun novelty items. Regardless, you&rsquo;ll love being able to print photos out on-the-spot at weddings, birthdays, and other special events.</p> <h2>Top 5 Instant Cameras</h2> <h3>Fujifilm INSTAX Mini 8 Instant Camera</h3> <p><a href="http://amzn.to/2h9503v"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/fujufilm.jpg" width="194" height="200" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in cameras and photos, the <a href="http://amzn.to/2h9503v">Fujifilm INSTAX Mini 8 Instant Camera</a> produces superior credit card-sized photos. The new slimmer, lighter body is complemented by new features and enhancements, such as automatic exposure measurement and improved viewfinder for enhanced clarity, visibility, and subject viewing. The new High-Key mode allows you to take brighter pictures with a soft look. The camera also has an automatic light sensor and signals the recommended aperture setting with a flashing LED light.</p> <p>This comes in a variety of colors. It is one of the &ldquo;Most Wished For&rdquo; items on Amazon and has outstanding online reviews, including nearly 6,200 five-star reviews on Amazon. It is also recommended by The Wall Street Journal, The Independent, and Digital Trends. If you want to buy a camera set to complement your new camera, consider the <a href="http://amzn.to/2h995oh">Fujifilm Instax Mini 8 Instant Film Camera With Fujifilm Instax Mini Instant Film Twin Pack</a>.</p> <p><a href="http://amzn.to/2h9503v"><em>Currently $59.89 on Amazon</em></a></p> <h3>Polaroid PIC-300 Instant Film Camera</h3> <p><a href="http://amzn.to/2gelWZ4"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/polaroid_0.jpg" width="169" height="200" align="right" alt="" /></a>The <a href="http://amzn.to/2gelWZ4">Polaroid PIC-300 Instant Film Camera</a> produces vivid, high-quality business card-size full-color, glossy photos. It features manual exposure compensation, auto flash in low light, auto adjust, and 1/60 sec electronic shutter. It also enters an energy saving state after five minutes of inactivity. It uses ZINK zero ink technology, so the photo is dry-to-the-touch, without the use of ink cartridges or ribbons. It also features an adhesive back, so you can stick it to any surface. It has four scene settings, so you can get a bright, sharp shot in any light. It counts down like a disposable camera, so you know how many pictures are left before you need to change the film. It also includes a wrist strap and the batteries you need to get started.</p> <p>This is available in a range of colors. It is recommended by CNET, The Telegraph, and The Wirecutter. It also has outstanding online reviews, including nearly 600 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2gelWZ4"><em>Currently $69.99 on Amazon</em></a></p> <h3>Fujifilm Instax Wide 300 Instant Film Camera</h3> <p><a href="http://amzn.to/2h8HdDk"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/fujifilm_1.jpg" width="245" height="162" align="right" alt="" /></a>The <a href="http://amzn.to/2h8HdDk">Fujifilm Instax Wide 300 Instant Film Camera</a> prints larger photos, closer to the size of old Polaroids, so it&rsquo;s ideal if you want to photograph a wider scene. The new contemporary design has improved features like tripod socket, real image finder, and lens ring dial with focus zone setting. It features two lens settings, a detachable close-up lens, optical viewfinder, and a mirror for self-portraits. The light and dark control can also add high and low-key effects to the picture.</p> <p>This has great online reviews and is recommended by The Wall Street Journal, The Independent, PCMag, The Wirecutter, and Mashable.</p> <p><a href="http://amzn.to/2h8HdDk"><em>Currently $93.99 on Amazon</em></a></p> <h3>Polaroid Snap Instant Digital Camera</h3> <p><a href="http://amzn.to/2gYE20n"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/polaroid%20snap.jpg" width="245" height="149" align="right" alt="" /></a>The <a href="http://amzn.to/2gYE20n">Polaroid Snap Instant Digital Camera</a> has various capture modes, including color, black and white, sepia, and Polaroid Classic Border Logo formats. It also has a photo booth option with four pictures on each page. The compact 10-megapixel digital camera has a modern, minimalist design and features a self-timer, a battery low indicator, a no paper indicator, and auto-adjust. The Zink inkiness printing technology ensures that you won&rsquo;t need ink cartridges, ribbons, or toner, so there&rsquo;s less waste. It produces high-quality, borderless, smudge-proof, water-resistant, tear-resistant 2x3&rdquo; prints in under a minute.</p> <p>The improved color balance produces brighter, sharper images with vivid, high-res colors. It prints dry-to-the-touch and the adhesive backing makes it easy to post. You can share the photos, and your images will also be saved on the memory card, so it&rsquo;s ready to upload onto your computer and social media. It has a built-in lithium ion battery and a micro SD card slot that holds up to 32GB.</p> <p>This is available in a range of colors. It has great online reviews and is recommended by CNET, The Wall Street Journal, and The Independent.</p> <p><a href="http://amzn.to/2gYE20n"><em>Currently $89.99 on Amazon</em></a></p> <h3>Lomography Lomo Instant Camera</h3> <p><a href="http://amzn.to/2gep9Ip"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/lomography.jpg" width="177" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2gep9Ip">Lomography Lomo Instant Camera</a> features a number of advanced accessories and features, such as lens splitters, flash filters, manual control options, multiple exposure capabilities, and support for off-camera lighting. The lens cap also doubles up as a remote, so you can take self-portraits. The ultra-advanced lens system has a variety of shooting options including wide angle and portrait options and a setting for daytime shots and night shots with a flash. The smooth leather surface looks nice, but is prone to scratches, so you may want to buy a case.</p> <p>This is available in two colors. It has great reviews and is recommended by The Wall Street Journal, The Independent, PCMag, and Mashable. It is also backed by a 30-day no-hassle return policy.</p> <p><a href="http://amzn.to/2gep9Ip"><em>Currently $99.00 on Amazon</em></a></p> <p>And those are our recommendations for the best instant cameras. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-instant-cameras">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-selfie-sticks">The 5 Best Selfie Sticks</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-cameras">The 5 Best Pet Cameras</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-gaming-mice">The 5 Best Gaming Mice</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-4k-televisions">The 5 Best 4K Televisions</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-smart-water-bottles">The 5 Best Smart Water Bottles</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology 5 best best cameras camera instant cameras product reviews shopping technology Thu, 08 Dec 2016 11:30:07 +0000 Andrea Cannon 1850091 at http://www.wisebread.com 7 Apps That Monitor Your Credit for You http://www.wisebread.com/7-apps-that-monitor-your-credit-for-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-apps-that-monitor-your-credit-for-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-512432890.jpg" alt="use these free apps to monitor your credit" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The <a href="http://www.fico.com/en/blogs/risk-compliance/us-credit-quality-continues-climb-will-level/">average FICO credit score</a> of U.S. consumers is 695, according to the latest data from the FICO company. If you think this number is encouraging, you'll also be glad to hear that 54.7% of Americans are able to score at least a 700!</p> <p>This data proves that it's very possible to improve your credit score. There's no excuse these days for not monitoring your credit. Credit score monitoring? There are apps for that! Let's review some of the best free and easy to use apps available for giving your credit score a boost.</p> <h2>1. Credit Karma</h2> <p>Claiming that you can sign up for a new account within two minutes, <a href="http://www.kqzyfj.com/click-2822544-10817209-1462225929000">Credit Karma</a>'s app offers free credit score tracking. Your score and list of reports are updated weekly. Credit Karma offers a credit report card, which breaks down every factor contributing to your credit score health, such as open credit utilization rate and average age of open credit lines, and helps you understand how your actions affect your credit score.</p> <p>Keep in mind that Credit Karma shows you a <a href="https://www.creditkarma.com/credit-scores">Vantage 3.0 credit score</a>, which isn't the same as a <a href="http://www.wisebread.com/fico-vs-fakes-are-you-getting-the-wrong-credit-score">FICO credit score</a>. The app allows you to track your credit score from TransUnion and Equifax (two of three main credit reporting bureaus, the third one is Experian). To learn more details about Credit Karma, take a look at <a href="http://www.wisebread.com/get-free-credit-score-monitoring-with-credit-karma">our review</a>.</p> <h2>2. Mint: Money Manager, Budget and Personal Finance</h2> <p>Besides being a <a href="http://www.wisebread.com/6-free-debt-management-tools">free debt management tool</a>, Mint offers a free credit monitoring app that provides an easy-to-understand summary of how you can improve your credit score. The credit score provided under any of these apps is the Equifax Credit Score, which is a proprietary credit model developed by Equifax.</p> <p>By connecting your bank accounts, credit cards, and investments accounts to your Mint account, you'll have a comprehensive picture of all of your finances, too.</p> <h2>3. Credit Sesame</h2> <p><a href="http://www.dpbolvw.net/click-2822544-12336153-1455123184000">Credit Sesame</a>'s app offers you a peek into your Experian National Equivalency Score (ENES). While the FICO credit score ranges from 300 to 850, the ENES ranges from 360 to 840.</p> <p>By using this alternate credit scoring model, Credit Sesame is able to perform a &quot;soft&quot; pull on your credit history and show you how much you owe, what your current interest rates are, and what your credit score is.</p> <p>Additionally, Credit Sesame offers you some refinancing options in partnership with Lending Club to pay off higher-interest debt. To help you understand whether or not this would be a good fit for you, Wise Bread took a <a href="http://www.wisebread.com/lower-interest-rates-with-credit-sesame-and-lending-club">closer look at Credit Sesame' services</a> and the steps of the loan process application process through Lending Club.</p> <h2>4. Credit.com</h2> <p>Credit.com is another option to access your Experian National Equivalency Score and Vantage 3.0 credit score at no cost. You'll receive a grade, ranging from A+ to F, for each one of the five factors affecting your credit score: payment history, debt usage, credit age, account mix, and number of inquiries.</p> <p>Through its visual aids and specific action items, this app allow you to spot credit blunders and understand how to fix them.</p> <h2>5. Experian</h2> <p>Since so many of these apps use the credit rating model from <a href="http://www.experian.com/consumer-products/credit-monitoring.html">Experian</a>, you may be wondering if you can just go straight to the source. Yes, you can! Through the app you'll monitor changes to your Experian credit profile and have the option to sign up for push notifications directly on your device whenever a change takes place. Your free Experian credit report is updated every 30 days.</p> <h2>6. TransUnion</h2> <p>The credit reporting bureau allows you to <a href="https://www.transunion.com/credit-monitoring">check your TransUnion credit report</a> from your smartphone. Similar to the FICO credit score, the <a href="http://www.tkqlhce.com/click-2822544-12771108-1480442728000">TransUnion</a> credit score ranges from 300 to 850. Still, remember that the FICO and TransUnion credit score aren't the same.</p> <h2>7. CreditWise</h2> <p>CreditWise offers free credit monitoring services from Capital One. You don't need to be a Capital One customer to sign up for a new account. If you're an existing user of the Capital One CreditTracker service, you can use your existing username and password that you use at the CapitalOne.com site. Every week, this app will provide your TransUnion credit score. A differentiating factor of CreditWise is its credit simulator, which allows you to simulate ways to improve your TransUnion credit score.</p> <h2>The Bottom Line: Know Your Score!</h2> <p>FICO maintains a total of 28 different FICO scores, which are widely used by issuers of home, auto, and credit card loans. Remember that each one of these apps offers a free snapshot of a credit score based on a separate model and that snapshot is only for educational purposes. If you want to get the actual FICO credit score, you'll have to pay <a href="http://www.myfico.com/products/credit-score-monitoring-products/">at least $19.95 per month</a>.</p> <p>While the advice provided by any of these services can be valuable to improve your credit score, your potential lender may be working with a very different score than the one gleaned from an app. If you're working toward meeting the requirements for a mortgage or auto loan, ask your lender what credit score she's using. That way, you'll choose the app that can provide a more accurate estimate.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/7-apps-that-monitor-your-credit-for-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/once-bitten-twice-shy-what-is-credit-security-worth-to-you">Once Bitten Twice Shy: What is Credit Security Worth to You?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/what-the-new-credit-card-formula-means-for-your-wallet">What the New Credit Card Formula Means for Your Wallet</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-apps-that-actually-pay-you-to-shop">8 Apps That Actually Pay You to Shop</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-money-moves-you-can-make-while-stuck-in-an-endless-tsa-line">6 Money Moves You Can Make While Stuck in an Endless TSA Line</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-free-debt-management-tools">6 Free Debt Management Tools</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Technology apps credit karma credit monitoring credit score Equifax Experian fico mint smartphones TransUnion Tue, 06 Dec 2016 12:00:17 +0000 Damian Davila 1848172 at http://www.wisebread.com The 5 Best Pet Cameras http://www.wisebread.com/the-5-best-pet-cameras <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-pet-cameras" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/puppy_camera_465470720.jpg" alt="Puppy using the best pet cameras" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you feel bad about leaving your pet alone, then a pet camera can ease the separation anxiety. It will allow you to keep an eye on your pet at all times, and you may even be able to play with them or give them treats while you&rsquo;re away (depending on the camera you choose).</p> <h2>What Is a Pet Camera?</h2> <p>A pet camera offers a fun, easy way to interact with your furry friend anywhere, anytime. The remote camera can turn your smartphone, tablet, or computer into a comprehensive video monitor. It can provide peace of mind for both you and your pet. It&rsquo;s an absolute must-have for any worried pet owner.</p> <h2>Top 5 Pet Cameras</h2> <h3>Petzi Treat Cam: Wi-Fi Pet Camera</h3> <p><a href="http://amzn.to/2fA3olW"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/petzi.jpg" width="169" height="245" align="right" alt="" /></a>If your pet doesn&rsquo;t like to be left alone, then the <a href="http://amzn.to/2fA3olW">Petzi Treat Cam: Wi-Fi Pet Camera &amp; Treat Dispenser</a> can help ease their anxiety. The high-quality audio and video allow you to see and speak to your pet using your smart device. The interactive wide-angle camera features night vision. It can also snap a picture, which you can share on social media. You can even treat your pet anytime with the treat launcher.</p> <p>This was crowdfunded on Indiegogo and is easy to use. It has multiple mounting options, so you can place it on the floor or secure it to a wall. It has great online reviews and is recommended by Digital Trends, Safewise, and Heavy. Gizmodo only recommends purchasing this for easily amused pets.</p> <p><a href="http://amzn.to/2fA3olW"><em>Currently $149.99 on Amazon</em></a></p> <h3>Petcube Camera</h3> <p><a href="http://amzn.to/2gh3mhO"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/petcube.jpg" width="245" height="201" align="right" alt="" /></a>The <a href="http://amzn.to/2gh3mhO">Petcube Camera</a> will allow you to see and chat with your pet using two-way audio. The high-quality interactive WiFi camera features a 138-degree wide-angle lens and motion- and sound-detection capabilities. You can also capture and share photos and video clips. The compact camera features a sleek, elegant design with brushed aluminum and curved corners. The built-in laser toy allows you to play with your pet anytime, or you can set the autoplay mode for extra playtime. You can even share access with family and friends, in case you don&rsquo;t have time to check on your pet while you&rsquo;re away.</p> <p>If you sign up for a subscription, you can review up to 30 days of video history (a free month trial is included). This was crowdfunded on Kickstarter and is easy to use. It has great online reviews and is recommended by Safewise, Heavy, and Safety.com.</p> <p><a href="http://amzn.to/2gh3mhO"><em>Currently $139.60 on Amazon</em></a></p> <h3>Motorola Pet Scout66 Wi-Fi HD Pet Monitoring Camera</h3> <p><a href="http://amzn.to/2gh9U08"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/pet%20scout.jpg" width="245" height="214" align="right" alt="" /></a>The <a href="http://amzn.to/2gh9U08">Motorola Pet Scout66 Wi-Fi HD Pet Monitoring Camera</a> allows you to monitor your pet and home at the same time. The cloud-based monitoring camera offers remote HD quality real-time video streaming and two-way audio communication with a high sensitivity microphone. You can also receive motion- and sound-triggered notifications to put your mind at ease thanks to the motion-triggered recording and image snapshots. It also features a temperature monitor and infrared night vision mode, so that you can better monitor your home while you&rsquo;re away.</p> <p>With a subscription, you can sign up for motion-triggered recorded video, which logs up to 30 days of activity. This offers a quick and easy setup, so you can begin using it within seconds. It has great online results and is recommended by Safewise, Heavy, and Safety.com.</p> <p><a href="http://amzn.to/2gh9U08"><em>Currently $77.67 on Amazon</em></a></p> <h3>Pawbo Wi-Fi Pet Camera</h3> <p><a href="http://amzn.to/2fJetwk"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/pawbo.jpg" width="132" height="245" align="right" alt="" /></a>The interactive <a href="http://amzn.to/2fJetwk">Pawbo Wi-Fi Pet Camera Wireless Pet Treat Cam and Treat Dispenser</a> allows you to video chat with your pet, no matter where you may be. The interactive camera features a 110-degree ultra-wide camera lens, snap shot function, video recording capabilities, and two-way communication. It has multiple sound effects and a built-in interactive laser pointer with manual and automatic modes, so you can play with your pet while you&rsquo;re away. The treat dispensing system also allows you to treat your pet anytime. It also allows you to post pictures directly to your social media accounts.</p> <p>This has a modern, minimalist design and a quick, simple setup. It is recommended by Safewise and has outstanding online reviews. It is also backed by a 12-month warranty for your added peace of mind.</p> <p><a href="http://amzn.to/2fJetwk"><em>Currently $199.00 on Amazon</em></a></p> <h3>PetChatz HD Pet Camera</h3> <p><a href="http://amzn.to/2gGHue2"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/petchatz.jpg" width="245" height="174" align="right" alt="" /></a>If you want to call your pet while you&rsquo;re away, then the <a href="http://amzn.to/2gGHue2">PetChatz HD Pet Camera</a> is perfect for you. With the advanced interactive capabilities, you can call your pet using two-way audio and video. The quality interactive camera is built to last and offers clear sound and image. You can watch your pet from your computer, tablet, or smartphone, and the sound and motion detection will alert you of any activity. It also dispenses treats and releases a soothing scent to diffuse separation anxiety. Over time, your pet should associate the treats and scent with your video chat.</p> <p>The pet-safe design has no corners, edges, or cords. It is easy to setup and has helpful customer service if you have any trouble. It attaches securely to your wall as a fully contained unit. It has great online reviews and is recommended by Safewise and Heavy.</p> <p><a href="http://amzn.to/2gGHue2"><em>Currently $369.00 on Amazon</em></a></p> <p>And those are our recommendations for the best pet cameras. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-pet-cameras">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-gaming-mice">The 5 Best Gaming Mice</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-4k-televisions">The 5 Best 4K Televisions</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-medications">The 5 Best Pet Flea Medications</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-selfie-sticks">The 5 Best Selfie Sticks</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-charcoal-scrubs">The 5 Best Charcoal Scrubs</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Shopping Technology 5 best cameras pet camera product reviews shopping tech tech gadgets Wed, 30 Nov 2016 11:30:07 +0000 Andrea Cannon 1844374 at http://www.wisebread.com How to Earn Extra Income With Twitter http://www.wisebread.com/how-to-earn-extra-income-with-twitter <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-earn-extra-income-with-twitter" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_73433583_MEDIUM.jpg" alt="make extra money with twitter" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you spend time on Twitter, you have likely seen promoted posts from celebrities hawking products. Kim Kardashian, the queen of social media, reportedly makes $10,000 a tweet. But even if you are not a celebrity, you can still make plenty of money from social media. If you have a strong following on Twitter, you can turn it into an income stream. (See also: <a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money?ref=seealso">6 Ways Social Media Can Save You Money</a>)</p> <h2>What You Need to Make Money</h2> <p>To make money off of Twitter, you need to have an account with a following. The money you can charge is based on a variety of factors. If you have a smaller fan base, but your followers are very engaged with your posts, you can charge more than someone with a large but disconnected following.</p> <p>To be able to charge clients for tweets, you should build an audience of several thousand followers. Build your following by regularly posting content throughout the day. But most importantly, be social. Reply and tweet to other people to start conversations. Participate in Twitter chats to meet new people and get your name out there.</p> <h2>How to Get Connected to Advertisers</h2> <p>There are many different ways to get connected to advertisers, including sites that act as the middleman.</p> <h3>Use PaidPerTweet</h3> <p><a href="http://www.paidpertweet.com">PaidPerTweet </a>connects advertisers with millions of users, from celebrities to bloggers and everyday people. For a fee, advertisers can select a user to issue a tweet from their account. Fees range from $1 a post to $5,000 a post. For example, comedian George Lopez charges $2,000 a tweet. &quot;Camibeth33,&quot; a self-described social media junkie, charges just $1 a tweet to reach her 9,000 followers.</p> <h3>Reach Out to Brands Directly</h3> <p>While PaidPerTweet can connect you to advertisers, there is no guarantee anyone will select you out of the millions of users. That's why it makes sense to skip the intermediary and reach out to brands yourself. For example, if you tweet often about beauty products and style trends, connect with growing brands to see if they'd want to get their products in front of your followers. Many times, a groundswell of normal people can launch a brand more successfully than hiring a celebrity spokesperson, as the regular person has more credibility and authenticity.</p> <h3>Post Great Content and Sit Back</h3> <p>If you post great content regularly and build your audience, chances are, brands will come to you. List in your profile that you are PR friendly, and you will likely receive messages from companies asking you to post reviews of their products in return for free trials or a fee.</p> <h2>Other Ways to Make Money on Twitter</h2> <p>Besides getting paid to tweet, there is another way to make income from your Twitter account. Sign up for affiliate accounts and tweet links to your favorite products.</p> <p>Some sites, like <a href="http://about.shopstyle.com/">Shopstyle</a>, pay you per click. Every time someone clicks on a link you tweet, you get a few cents. On other platforms, like <a href="http://www.amazon.com">Amazon's</a> affiliate program, you get a percentage of whatever purchase users make. If they click on your item, but buy other things as well, you also get a percentage of those sales.</p> <p>When using affiliate links, it's best to focus in on a specific niche, such as fashion, beauty, pet care, or technology. The products you feature should fit the theme of other content you post regularly. So if you post a lot of dog pictures, tweeting out links to kibble brands or grooming tools will be a natural fit.</p> <p>Use affiliate links sparingly so it doesn't become spammy, and post products you have actually used and like. That will be more appealing to your followers and encourage more clicks and purchases.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/how-to-earn-extra-income-with-twitter">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-money-tweeting-0">How to Make Money Tweeting</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-you-can-earn-18-to-25-an-hour-with-amazon-flex">How You Can Earn $18 to $25 an Hour With Amazon Flex</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money">6 Ways Social Media Can Save You Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-launch-your-second-career">How to Launch Your Second Career</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Technology advertising paid tweets side hustle side job social media tweets twitter Wed, 02 Nov 2016 09:30:31 +0000 Kat Tretina 1825231 at http://www.wisebread.com Shoveling Snow and 5 Other Things Robots Can Do for You http://www.wisebread.com/shoveling-snow-and-5-other-things-robots-can-do-for-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/shoveling-snow-and-5-other-things-robots-can-do-for-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/robot_household_chores_76328353.jpg" alt="Robot vacuuming the floor and doing other things for you" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Robots have both fascinated and frightened us since inventor <a href="http://www.theatlantic.com/technology/archive/2011/08/unimate-the-story-of-george-devol-and-the-first-robotic-arm/243716/">George Devol created the first artificial agent</a> capable of automatic mechanical action in 1954. (In other words, a robotic arm.) Since then, subcultures have emerged that simultaneously revere and revile robots, resulting in countless books, movies, TV shows, and more, that focus on non-sentient machines. Because love them or loathe them, robots are here to stay. In fact, the presence of robots will continue to permeate our culture indefinitely (until their eventual takeover), and if you can't beat 'em (your resistance is futile, actually), join 'em.</p> <p>As such, here are a few reasons to embrace the benefits that our future overlords provide us while we still can.</p> <h2>1. Help With Yard Work</h2> <p>It's one thing to rake the yard when leaves start to fall &mdash; it can even be enjoyable if you're the kind of person who can create fun out of almost anything &mdash; but nobody looks forward to the backbreaking work of shoveling snow. For me, it's near the top of the list of things I hate most, right up there with those spider-cricket hybrid insects.</p> <p>So if you despise shoveling snow as much as I do, the Kobi Company has designed something with you in mind. Its eponymous robot, Kobi, will&nbsp;<a href="http://money.cnn.com/2016/10/13/technology/robot-yardwork-kobi/index.html">cut grass, collect leaves and, yes, make all that white stuff disappear</a>. Much like a vacuum, Kobi comes with attachments to tackle each task, which are accomplished without human interference by first wheeling the robot around your yard to establish perimeters around obstacles like trees and bushes. Once set, Kobi gets to work clearing your yard and sidewalks of all natural debris while you sit inside celebrating your discovery of a whole new level of laziness.</p> <h2>2. Provide Companionship</h2> <p>Feeling lonely? Trade in all that nonsense human interaction for artificial companionship.</p> <p>Humanoid robot Pepper, from Japanese telecommunications company Softbank, is&nbsp;<a href="https://www.cnet.com/au/news/pepper-the-popular-humanoid-robot-debuts-in-france/">programmed to communicate with users, follow voice commands, and read human emotions and react accordingly</a>. Which basically means that five years from now it's totally going to bring up the past when you two get into an argument. Pepper costs about $1,650 &mdash; slightly less than one month of supporting your current live-in boyfriend or girlfriend.</p> <p>If the lifelike Pepper freaks you out, try <a href="http://mjirobotics.co.jp/en/">MJI Robotics' MJI</a> (More Joy Innovation) Communication Robot, an egg-shaped tabletop bot that features a five-inch display screen with emotive eyes that allows tech-impaired people to access photos, weather, news, and other information with voice activation.</p> <h2>3. Tackle the Household Chores</h2> <p>Vacuuming robot Roomba has been around for years, and it perhaps single-handedly paved the way for other household bots to help with your chores.</p> <p>Scooba takes the original Roomba concept one step further by&nbsp;<a href="http://archive.boston.com/business/technology/gallery/consumerrobots?pg=3">vacuuming and washing floors</a>, while Looj handles another dreaded task of most homeowners:&nbsp;<a href="http://archive.boston.com/business/technology/gallery/consumerrobots?pg=4">cleaning the gutters</a>.</p> <h2>4. Annoy You Until You Get Out of Bed</h2> <p>Are you often late for work because you hit the snooze button on your alarm 19 times? <a href="http://www.nandahome.com/">Nanda Clocky</a> will have you rising and shining in no time. It's sole purpose is to get you out of bed by giving you one chance to snooze before it rolls away, forcing you to chase it down to shut it up. Obvi, hilarity will ensue at your house at 6 a.m.</p> <h2>5. Clean Up After Your Pets</h2> <p>I don't like cats for several reasons, which are: they're not dogs; they poop inside; and they're generally just plain evil. But if you have a soft spot in your heart for felines, the&nbsp;<a href="http://archive.boston.com/business/technology/gallery/consumerrobots?pg=13">Litter-Robot can help you keep your home from smelling like a porta potty</a> by sifting through the litter to removes clumps and storing them in a bag that will stifle the scent.</p> <h2>6. Satiate Your Weird Predilection For Destruction</h2> <p>Because we can't live in harmony with <em>anything</em>, we've already turned robots violent &mdash; a character trait that will probably make us regret some of our decisions in the near future. Robot combat is totally a thing, the&nbsp;<a href="https://www.megabots.com/">MegaBots website declares the hobby &quot;The Future of Sports</a>,&quot; and it seems best suited to those who like to instigate and witness destruction. It's certainly not the best part of our own humanity, but it exists nonetheless. Ya know, until they turn on us.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/shoveling-snow-and-5-other-things-robots-can-do-for-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-instant-cameras">The 5 Best Instant Cameras</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-frugal-skills-you-must-have-to-survive-mondays">12 Frugal Skills You Must Have to Survive Mondays</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-great-life-hacks-your-grandparents-forgot-to-share-with-you">11 Great Life Hacks Your Grandparents Forgot to Share With You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-high-paying-jobs-that-didnt-exist-10-years-ago">9 High-Paying Jobs That Didn&#039;t Exist 10 Years Ago</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-waterproof-laptop-cases">The 5 Best Waterproof Laptop Cases</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Technology chores cleaning hacks household chores life hacks modern technology robots technology Fri, 28 Oct 2016 09:01:03 +0000 Mikey Rox 1822097 at http://www.wisebread.com The Smart Way to Pay for Cell Phone Service http://www.wisebread.com/the-smart-way-to-pay-for-cell-phone-service <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-smart-way-to-pay-for-cell-phone-service" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_76229287_MEDIUM.jpg" alt="pre-paid vs post paid cell phone service" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The average person spends just under <a href="http://www.consumerreports.org/cro/news/2014/04/how-prepaid-smart-phone-plans-stack-up/index.htm">$100 per month</a> on their <a href="http://www.wisebread.com/5-painless-ways-to-lower-your-cell-phone-bill">smartphone bill</a>. This can be a hefty amount for any single person or couple to contend with, especially if they're trying to save money. Fortunately, there are some cheaper options available, but it's important to first decide if a prepaid or postpaid plan is right for you.</p> <h2>Prepaid (Off-Contract) Plans</h2> <p>Prepaid contracts mean less commitment, and maybe even less money, but does it make sense for your lifestyle?</p> <h3>Benefits of Prepaid</h3> <p>With a pre-paid plan, you won't have to worry about a contract, a credit check, late fees, or activation fees. You simply pay for what you need at the beginning of the month and enjoy a cellphone with less commitment and no binding contracts. The major phone carriers also charge less for their prepaid plans than they do for their traditional plans.</p> <p>In the event that you aren't happy with the prepaid phone service that you chose, you can always switch to another plan later with no penalties. You can even test out a phone plan to see if it offers reliable coverage in your area. Then, if you find that you need better coverage in your area, or feel another carrier would offer better coverage when traveling, simply make the switch.</p> <p>Keep in mind that each cell phone carrier will have its own stipulation on which phones you can use. For instance, some carriers will require you to purchase one of their smartphones, while others will require you to bring your own unlocked phone, and you will just need to pay an additional $10 for a SIM card. Before you sign up for a prepaid plan, make sure that they will accept your phone of choice.</p> <h3>Who It's Right For</h3> <p>If you tend to go over your cell allowance every month, then a prepaid plan can keep you in check, so you don't overspend. If your teen wants a cellphone, then a prepaid plan is the best way to go as it will limit how much they're able to talk and text every month, and you can even set up approved numbers and usage times, so they aren't calling their friends in the middle of the night.</p> <h3>Cheapest Plan</h3> <p>With so many prepaid options available, you can still stick with the big name providers, and save money in the process.</p> <p><a href="https://www.verizonwireless.com/mvp/mvs-prepaid.html">Verizon</a> has popular prepaid phone plans, starting at only $30 per month. They will even give subscribers an extra 1GB of data per month if you set up automatic payments.</p> <p><a href="https://prepaid.sprint.com/#!/plans/">Sprint</a> offers three popular prepaid plans, starting at just $35 per month for 1GB high-speed data and unlimited talk and text.</p> <p><a href="https://www.att.com/shop/wireless/gophone-plans.html?&amp;WT.srch=1&amp;source=ECPS0000000PSM00P">AT&amp;T</a> offers plans starting at only $30 per month (with an additional $5 per month discount if you set up automatic payments), but you can also choose from plans that allow you to pay $2/day or $0.25/minute.</p> <p><a href="https://prepaid-phones.t-mobile.com/prepaid-plans-individual">T-Mobile</a> offers affordable prepaid plans, including a $30 per month plan, which includes 5GB of data, unlimited text, and 100 minutes of talk time, which is ideal for anyone who doesn't use their phone for talking much. T-Mobile and Cricket also offer good prepaid family plans. If you make calls to other countries, then Ultra Mobile (from T-Mobile) offers a range of plans, which include unlimited texting and calling overseas, and starts at only $19 per month.</p> <p>If you don't need data, then you can easily find a $25 prepaid plan that includes unlimited talk and text through T-Mobile, Metro PCS, or Cricket Wireless. Straight Talk, Boost Mobile, and Virgin Mobile also offer affordable, straightforward prepaid plans.</p> <p>The Wirecutter also recommends <a href="https://www.consumercellular.com/Info/Plans">Consumer Cellular</a>, which offers service similar to AT&amp;T's, at a reduced price. Their most affordable plan is only $10 per month (per line) and allows family members on the same plan to share minutes and enjoy free calls between those phones. If you have the time to compare, there are a lot of other viable options, from less popular cell phone service providers.</p> <h2>Postpaid (Contract) Plans</h2> <p>It might be the more reliable option, but does that make it the best?</p> <h3>Benefits of Postpaid</h3> <p>Many cell phone users cite the most important benefit of postpaid plans is the reliability. For instance, if you're having trouble with your coverage, it can be more difficult to get a timely solution on a prepaid plan, especially if you don't choose a plan through one of the major carriers. If the data network is congested, contract plans get priority, so you won't experience as many slowdowns in service. Most customers find that they get better customer service with a contract plan as well.</p> <p>With a postpaid plan, you can go over your limits and simply pay a fee at the end of the month, which is ideal if you aren't sure how much data you'll need. On the other hand, with a prepaid plan where you purchase credit, if you go over your credit, you just won't be able to use your phone.</p> <h3>Who It's Right For</h3> <p>Postpaid plans are great for families. With so many family plans available, you can find the perfect one for every member of your household. Some family plans will allow up to 10 lines on one plan. Prepaid plans tend to top off at about 3GB of data per month, so if you or your family uses a considerable amount of data, then you'll need to look for an appropriate postpaid plan.</p> <p>If you need a new phone, consider signing up for a postpaid contract, which usually includes a new smartphone at no cost or at a very low cost. Consider the cost of the phone you want (and whether a prepaid plan would even accept it) to see if you'd be saving more money by choosing the postpaid plan and free phone, as opposed to a prepaid plan and the purchase of a new phone.</p> <h3>Cheapest Plan</h3> <p><a href="https://www.virginmobileusa.com/#!/cell-phone-plans/">Virgin Mobile</a> offers the most affordable plan from a major carrier at $35 per month with unlimited talk and texting and 5GB of high-speed data. <a href="https://republicwireless.com/">Republic Wireless</a> offers the best deal for one person at only $15 per month, while <a href="https://explore.t-mobile.com/t-mobile-one">T-Mobile</a> and <a href="https://www.sprint.com/shop/plan-wall/?INTNAV=TopNav:Shop:Plans#!/?plan=individual">Sprint</a> offer the best deals for families.</p> <p>The best plan may not necessarily be the cheapest plan. Along with considering the price, you should also consider the network coverage and download speeds. Certain carriers have better coverage in certain areas, so you want to make sure that you go with the carrier who can provide service no matter where you are.</p> <p>Some employers and schools will also offer discounts for postpaid plans through certain carriers &mdash; which can save you a lot. You can also get a discount from some carriers for setting up automatic payments.</p> <p>If you live in a large city, most carriers will offer dependable coverage there, so you won't have to pay for one of the more expensive plans that offer coverage everywhere. If you live in a more remote area, you may need to pay a higher fee for more coverage.</p> <h2>Which Plan Is Right for You?</h2> <p>Contract plans can have a range of additional fees, like activation fees, monthly access fees, and more. You will want to consider that when comparing whether prepaid or postpaid is right for you. It's important to also take into account how many people will be on your account and how much data you'll need.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-smart-way-to-pay-for-cell-phone-service">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really">7 Apps That Make Budgeting Fun — No Really!</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-you-must-immediately-do-after-losing-your-smartphone">8 Things You Must Immediately Do After Losing Your Smartphone</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-siri-can-be-your-personal-finance-assistant">9 Ways Siri Can Be Your Personal Finance Assistant</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/life-without-tv">Life Without Television</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-millennial-money-apps-everyone-should-use">The 5 Millennial Money Apps Everyone Should Use</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Technology cell phone bill phone bill phone plan phone service prepaid phone smartphone Tue, 25 Oct 2016 09:30:28 +0000 Andrea Cannon 1819781 at http://www.wisebread.com 10 Best Tools for Finding an Apartment on the Cheap http://www.wisebread.com/10-best-tools-for-finding-an-apartment-on-the-cheap <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-best-tools-for-finding-an-apartment-on-the-cheap" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_laptop_boxes_11897386.jpg" alt="Woman using best tools for finding an apartment on the cheap" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Depending on where you live, finding a new apartment can be tough &hellip; or downright overwhelming. Seinfeld once joked that in New York, the obituaries section should be coupled with the property section in a newspaper, because that's pretty much the only way to find a decent place.</p> <p>But wherever you live, you are going to need help, especially if it's a completely unknown area. What is the neighborhood like? How are the schools? Is the crime rate high? Is the rent too high? The following tools will help you get your foot in the door.</p> <h2>1. Craigslist</h2> <p>Do not underestimate the power of Craigslist. Started in 1996 by Craig Newmark, it was originally servicing only the San Francisco Bay Area. Now, it's global, and the &quot;Housing&quot; section still remains free for people to post and respond to listings. There are many subsections, including real estate for sale, vacation rentals, and even office/commercial storage. However, you will want to look into the following categories:</p> <ul> <li>Apt/housing</li> <li>Housing swap</li> <li>Rooms/shared</li> <li>Sublets/Temporary</li> </ul> <p>Once you get into any of those sections, you can narrow down your search with a great list of tools. From basic parameters like price, bedrooms, bathrooms, and square footage, to more niche requirements like &quot;X miles from zip,&quot; wheelchair access, and animals, you can quickly find just the place you're looking for. It is by far the most convenient free tool out there.</p> <h2>2. Apartment Finder</h2> <p>Long before the Internet was the go-to place for, well, everything, &quot;<a href="http://www.apartmentfinder.com/">Apartment Finder</a>&quot; magazine was the essential tool for finding your next abode. Started in 1981, it has won numerous industry awards and is now available in several formats, including the traditional magazine, the website, and the app. It also part of a network that includes Apartments.com, ApartmentHomeLiving, Move, and Doorsteps.</p> <p>As it is a service focused on renting apartments, there are more slick tools here to help. You'll be able to explore the spaces using a 360-degree camera, and you'll get virtual walk-throughs, floor plans, a veritable smorgasbord of photos, and a lot of detailed information. The only downside is that you will not usually find properties from people just looking to rent out their homes. It costs money to advertise on this site, and that means it's populated by large apartment complexes. But if that's what you're looking for, and you need the extra security and benefits of a managed property with a pool and a gymnasium, this is just what you need.</p> <h2>3. Zillow</h2> <p>When <a href="http://www.zillow.com/homes/for_rent/">Zillow</a> first came onto the scene, it was primarily used as a tool to estimate your home's value (and real estate agents <em>hated </em>it because the information was always very hit or miss). Now, Zillow has become an excellent free resource for the apartment hunter. Not only does it have all the tools you'd expect to narrow down your search, but it offers advice on renting and house hunting, as well as important neighborhood information (essential if you know nothing about an area you're moving into), including school ratings. Again, it costs to list a rental property on this kind of site, so don't expect to find little hidden gems being offered by someone who has a second home.</p> <h2>4. Rentometer</h2> <p>Although it won't help you find the specific place you want to live in, it will help you research what you should (and should not) be paying for rent at any of the apartments you're checking out. If you find the home of your dreams, but aren't sure if the price is sky high, <a href="https://www.rentometer.com/">Rentometer</a> will give you a temperature check of the area. You'll see the average and median prices, and also which percentile the apartment you're looking at falls in. At the very least, you want &quot;reasonable&quot; rent. Low is great. If you're in the red zone, negotiate or move on.</p> <h2>5. The Library</h2> <p>So your local library is not an app or a website, obviously, but it is filled with resources that can help anyone find their perfect apartment. It's a shame that more people don't take full advantage of the library; after all, we all pay for libraries with our taxes. Libraries have computers to access the many online tools listed in this article. They also have copies of a plethora of local and national newspapers, which contain classified ads for apartments and homes. If you find yourself in need of a place that contains many tools under one roof, the library is hard to beat.</p> <h2>6. HotPads</h2> <p>If you're looking for a tool that combines the great functionality of sites like Apartment Finder and Zillow, but also has the variety of smaller rentals offered by Craigslist, the <a href="https://hotpads.com">HotPads</a> is definitely for you. It has listings for most major cities in the U.S., and gives you a great set of criteria to help you get a list of excellent matches. Features like the &quot;walk score&quot; and neighborhood information, coupled with &quot;hot listings&quot; that show you which apartments are getting the most attention make HotPads one of the best tools for anyone looking to rent in a well-populated location.</p> <h2>7. Rent.com</h2> <p>Just like HotPads, <a href="http://www.rent.com/">Rent.com</a> gives you great choice. You can find landlords who are renting out just one or two properties, or giant apartment complexes with hundreds of units in one place. You can sort by best match, price, rating, or alphabetically, and when you narrow it down to a few properties, you can check the availability and book a tour. Definitely sort by ratings, because some of apartments have quite a few skeletons in the closet.</p> <h2>8. PadMapper</h2> <p>If you want to imagine what an apartment hunting app crossed with a mapping tool would look like, check out <a href="https://www.padmapper.com">PadMapper</a>. From the get go, you are greeted with a map of the area you want to look at, which is immediately populated by all the available rentals. It's somewhat overwhelming at first, but by using the tools provided, you can quickly take pins off the map until you get it down to some manageable choices. Save your favorites, check out floor plans and photos, and indicate your interest in the property. One downside &mdash; it appears to only list apartments in large complexes.</p> <h2>9. Lovely</h2> <p>Great name. Great site. <a href="https://livelovely.com">Lovely</a> is known as being exceptionally easy to use, simple, and direct. And it really is a soup-to-nuts kind of setup. With Lovely, you cannot only find your ideal apartment from a vast array on the market, but also submit an application through the site. Plus, you can even pay your rent through the site itself! Of course, anything that sounds too good to be true often has a downside. With Lovely, it's scope. Right now, you're limited to the Midwest and the coasts, but as word spreads, so will the range of the site.</p> <h2>10. Zumper</h2> <p>What does the name mean? Who knows. But the site (and app) look great, are easy to use, and have a wealth of information. The first question you'll be asked is where you want to move. Type in the area, and you'll get an overview of the town or city, including any annual festivities or notable attractions. You can search on a map, or by the usual parameters (bedrooms, price, amenities, and so on). One excellent feature of <a href="https://www.zumper.com">Zumper</a> is the way it seamlessly integrates with Experian, allowing you to safely and securely submit your credit report along with your application. Highly recommended.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/10-best-tools-for-finding-an-apartment-on-the-cheap">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-apartment-hunt-on-craigslist-without-getting-scammed">6 Ways to Apartment Hunt on Craigslist Without Getting Scammed</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-common-apartment-hunting-mistakes-to-avoid">9 Common Apartment Hunting Mistakes to Avoid</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-forget-to-budget-for-these-unexpected-moving-expenses">Don&#039;t Forget to Budget for These Unexpected Moving Expenses</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-questions-to-ask-before-signing-a-lease">10 Questions to Ask Before Signing a Lease</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/rent-your-home-or-buy-heres-how-to-decide">Rent Your Home or Buy? Here&#039;s How to Decide</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Real Estate and Housing Technology apartment finder apartments apps craigslist moving renting websites Zillow Fri, 21 Oct 2016 09:30:30 +0000 Paul Michael 1816944 at http://www.wisebread.com The 5 Best Selfie Sticks http://www.wisebread.com/the-5-best-selfie-sticks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-selfie-sticks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/75494149.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Do you want to achieve the perfect selfies? Then you&rsquo;ll likely need a selfie stick. It makes it virtually foolproof to get the perfect angle for your perfect selfie. It will allow you to take flawless photos of yourself, or you can fit more people in the picture, without having to ask a random stranger to take a photograph for you.</p> <h2>What Is a Selfie Stick?</h2> <p>A selfie stick is a small monopod with a handle on one end and a flexible gripper on the other end that holds your phone in the perfect position for a selfie. It extends beyond the normal arm range, so you can get unique shots and angles with little effort.</p> <p>Some selfie sticks have Bluetooth pairing, while others use a connector cable to set up the remote. While the selfie stick was originally intended to capture extreme sports, it seems that everyone nowadays can use a good selfie stick to capture all their favorite moments.</p> <h2>Top 5 Selfie Sticks</h2> <h3>Mpow Selfie Stick</h3> <p><a href="http://amzn.to/2eOGDtO"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/mpow.jpg" width="200" height="200" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in camera cranes, the <a href="http://amzn.to/2eOGDtO">Mpow Selfie Stick, iSnap X Extendible Tripod with built-in Bluetooth Remote Shutter</a> is easy to use and setup with most smartphones. The foldable pocket-size selfie stick is compact and rotates 270&deg;. It has a cylindrical soft-touch grip, remote Bluetooth control, and micro USB port. The protective sturdy silicon grip will clamp tightly on your phone, so you won&rsquo;t have to worry about wobbling. The comfortable handle also includes a wrist strap, so you won&rsquo;t have to worry about dropping it.</p> <p>This comes in three colors. It is recommended by PCMag and The Guardian. It has outstanding reviews online, including nearly 3,000 five-star reviews on Amazon. It is also backed by free lifetime technical support, an 18-month warranty, and a 45-day money-back guarantee.</p> <p><a href="http://amzn.to/2eOGDtO"><em>Currently $7.99 on Amazon</em></a></p> <h3>Fugetek Professional Selfie Stick with Bluetooth Remote</h3> <p><a href="http://amzn.to/2e5KZOh"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/fugetek.jpg" width="200" height="200" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in tripod center columns, the <a href="http://amzn.to/2e5KZOh">Fugetek Professional Selfie Stick with Bluetooth Remote</a> extends up to 49 inches for the perfect shot. It is compatible with most devices, even those with extra thick cases. The light, compact, portable aluminum stick features a Bluetooth remote, self-portrait mirror, Android zoom keys, and a micro USB port. It can also be attached to a mini tripod. It locks tightly on your phone to prevent slippage and has a secure grip rubber handle. It also comes with a convenient carrying bag, GoPro screw and adapter, and two removable, interchangeable phone mounts.</p> <p>It comes in two different sizes, depending on how far you want the stick to extend. It is frequently recommended online and has outstanding reviews, including more than 1,500 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2e5KZOh"><em>Currently $19.95 on Amazon</em></a></p> <h3>The Selfie Stick, Anker Extendible Bluetooth Monopod</h3> <p><a href="http://amzn.to/2dlGqOc"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/anker.jpg" width="200" height="200" align="right" alt="" /></a>The <a href="http://amzn.to/2dlGqOc">Selfie Stick, Anker Extendible Bluetooth Monopod with Built-in Remote Shutter</a> extends up to 32 inches and offers 270&deg; angle adjustments. The light, compact stick can fit in your pocket and can fit virtually any smartphone. Your phone will stay in position, even when wobbling, thanks to a secure grip between rubber pads. It is easy to use with a convenient photo button and easy to set up with seamless Bluetooth pairing. It offers an adjustable phone cradle, ergonomic silicone rubber handle, secure wrist strap, and micro USB charging cable. It also offers a 20-hour battery life on just one charge.</p> <p>This is recommended by The Guardian and has outstanding online reviews, including nearly 1,000 five-star reviews on Amazon. It is also backed by an 18-month warranty.</p> <p><a href="http://amzn.to/2dlGqOc"><em>Currently $11.99 on Amazon</em></a></p> <h3>Selfie Stick for Smartphones</h3> <p><a href="http://amzn.to/2eqnrON"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/camkix.jpg" width="200" height="200" align="right" alt="" /></a>The <a href="http://amzn.to/2eqnrON">Selfie Stick for Smartphones</a> is a universal phone holder with a 180&deg; adjustable head. The light, compact stick is easy to carry, even in a small bag. The affordable fully adjustable monopod extends up to 40 inches for the perfect shot. The versatile stick comes with an adjustable wrist strap for extra security.</p> <p>This comes in three different colors and can come with or without a remote. It is recommended by Heavy.com and has been featured in holiday gift guides. It has outstanding online reviews, including more than 1,500 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2eqnrON"><em>Currently $6.98 on Amazon</em></a></p> <h3>Perfectday Foldable Extendible Bluetooth Selfie Stick</h3> <p><a href="http://amzn.to/2e5JdNe"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/perfectday.jpg" width="200" height="200" align="right" alt="" /></a>The <a href="http://amzn.to/2e5JdNe">Selfie Stick, Perfectday Foldable Extendible Bluetooth Selfie Stick with Built-in Remote Shutter</a> is guaranteed compatible with all smartphones. It offers 270&deg; angle adjustments and features a built-in Bluetooth remote control. The monopod is easy to use and easy to set up with simple Bluetooth pairing. The compact stick is small enough to easily fit in your pocket.</p> <p>This has outstanding online reviews, including more than 3,200 five-star reviews on Amazon. It is also backed by a lifetime guarantee. It comes in three different colors. If you prefer not to use Bluetooth, then the <a href="http://amzn.to/2efCXiI">Kiwii Selfie Stick with built-in Remote Shutter with Adjustable Phone Holder</a> is similar, but has a cord attachment.</p> <p><a href="http://amzn.to/2e5JdNe"><em>Currently $6.99 on Amazon</em></a></p> <p>And those are our recommendations for the best selfie sticks. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-selfie-sticks">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-cameras">The 5 Best Pet Cameras</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-4k-televisions">The 5 Best 4K Televisions</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-gaming-mice">The 5 Best Gaming Mice</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-charcoal-scrubs">The 5 Best Charcoal Scrubs</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-waterproof-laptop-cases">The 5 Best Waterproof Laptop Cases</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology 5 best camera phone product reviews selfie selfie sticks shopping taking selfies technology Wed, 19 Oct 2016 09:30:24 +0000 Andrea Cannon 1815779 at http://www.wisebread.com 5 Painless Ways to Lower Your Cell Phone Bill http://www.wisebread.com/5-painless-ways-to-lower-your-cell-phone-bill <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-painless-ways-to-lower-your-cell-phone-bill" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_coffee_phone_90400295.jpg" alt="Woman finding painless ways to lower her cellphone bill" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The smartphone has become a necessity for many of us as we use them for work, to communicate with our kids, and to keep our lives organized. Unfortunately, with this amazing technology often comes an expensive monthly bill. But with just a little bit of effort, you can easily lower your cell phone bill to a more budgetable amount. Here are some important steps to get you moving in the right direction.</p> <h2>1. Find Cheaper Companies That Access the Same Towers</h2> <p>Are you aware that discount cell carriers like Republic Wireless and Straight Talk Wireless access the same cell towers as Verizon, AT&amp;T, and Sprint? As a matter of fact, the big carriers actually own the cell towers and sell access to the smaller players at a highly discounted rate and pass the savings along to you. For example, Republic Wireless uses T-Mobile towers, and Straight Talk taps into Verizon, Sprint, and T-Mobile.</p> <p>Use this information to your advantage when deciding if one of the discount cell carriers is for you. Before you decide, be sure to analyze the cell coverage in your region before switching. For example, if your area has poor coverage with T-Mobile, but good with Verizon and Sprint, then Straight Talk might be a better option than Republic. You can save a lot of money every month if you do switch. For example, Straight Talk offers unlimited talk, text, and 5GB of data at 4G speed for only $45 per month. The same plan with Verizon will cost you over $70.</p> <h2>2. Learn to Negotiate a Deal</h2> <p>If you're happy with the carrier you currently have, but don't like how much you pay every month, consider calling them up to <a href="http://www.wisebread.com/the-6-monthly-telecom-bills-you-can-negotiate">negotiate a better rate</a>. This is especially true if you're month-to-month with your carrier and aren't under a contract. Start by doing a few minutes of homework and check out what the competition is offering. Take note of plans similar to yours that are cheaper. Those less expensive plans are going to be your negotiating ammunition.</p> <p>When you call customer service, tell the first person you speak with that you want to cancel your service as it's too expensive. Without fail, they'll transfer you to the customer loyalty or retention department. These are the folks who have the authority to lower your bill. Keep in mind that cell companies spend a lot of money on new customer acquisition and are often willing to throw you a bone to keep you on as a loyal customer. Immediately tell them about your research and the cell carrier you're considering switching too.</p> <p>At this point, the retention specialist will either offer you a discount to stay on as a customer, or tell you they can't meet the competitor's lower rate. In my experience, it's typically the former. At the very least, most company reps can help you dissect your bill in order to cut out any add-on services you might pay for, but rarely use.</p> <h2>3. Always Look for Employer Discounts</h2> <p>Many employers work with cell phone companies to provide their employee with a discounted rate. Some of the more popular jobs that often qualify include teachers, state and local government jobs, military, and many corporate jobs. Each provider offers a little different discount so your best bet is to check the big four linked below to see if you're eligible for a discount. Most discounts are in the 10%&ndash;25% range. For example, my wife is a public school teacher and she gets a 15% monthly discount from Verizon. All she had to do to get her discount was walk into a Verizon Store and show them proof of her employment.</p> <ul> <li><a href="https://mysprint.sprint.com/verify/?ECID=vanity:verify">Sprint</a></li> <li><a href="https://www.verizonwireless.com/b2c/employee/eleuLanding.jsp">Verizon</a></li> <li><a href="https://www.att.com/esupport/article.html#!/wireless/KM1001048">AT&amp;T</a></li> <li><a href="https://support.t-mobile.com/docs/DOC-4791">T-Mobile</a></li> </ul> <h2>4. Analyze Your Monthly Usage</h2> <p>It's easy to fall into the trap of being happy with your cell phone service and ignore the small details. Like if you actually need everything on your plan that you pay for month-after-month. Pull out your bill and examine it with a fine tooth comb. Are you being charged for things like enhanced voicemail, a 411 service, phone insurance, or roadside assistance? If you don't need it, or rarely use it, cut it out of your plan and save some easy money on your monthly bill.</p> <p>Also, be sure to look for <a href="http://www.wisebread.com/how-family-plans-can-save-you-tons">family share plans</a> that many cell phone providers offer these days. While not heavily advertised, they provide an excellent way to save if you need multiple lines. The more lines you add, the less you pay for each additional line.</p> <h2>5. Verizon Users: Deal Solely With Authorized Sellers</h2> <p>I recently had a former authorized Verizon seller inform me that unlike &quot;Verizon Store&quot; employees, they were not paid a commission when they increase a customer's data plan. She worked at a Verizon kiosk at Costco and she said it's the best place to go to get help understanding your bill and possibly get it lowered. They'll go through it with you, look for spots to save, and let you know about any special discounts they might have available. Actual Verizon Store employees? Not so much.</p> <p>While this is not necessarily a tip that will get your bill lowered, it's good information for Verizon loyalists. Always visit the authorized seller locations as they have employees who don't get paid for raising your bill.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kyle-james">Kyle James</a> of <a href="http://www.wisebread.com/5-painless-ways-to-lower-your-cell-phone-bill">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money">6 Ways Social Media Can Save You Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-little-words-that-will-get-you-the-best-price-every-time">10 Little Words That Will Get You the Best Price, Every Time</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-best-couponing-apps">The 10 Best Couponing Apps</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-secrets-to-scoring-the-best-price-when-buying-on-ebay">7 Secrets to Scoring the Best Price When Buying on eBay</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-surprising-things-you-didnt-know-you-should-be-negotiating">12 Surprising Things You Didn&#039;t Know You Should Be Negotiating</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Technology authorized sellers bills cell phones cell providers data deals discounts negotiating smart phones Fri, 14 Oct 2016 09:31:19 +0000 Kyle James 1812052 at http://www.wisebread.com 5 Sites That Will Pay for Your Old iPhone http://www.wisebread.com/5-sites-that-will-pay-for-your-old-iphone <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-sites-that-will-pay-for-your-old-iphone" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_holding_iphone_73998331.jpg" alt="Woman finding sites that will pay for her old iPhone" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The new iPhone 7 is out, and demand for the latest device from Apple is huge. Along with the hype is a sky-high price tag &mdash; the 256GB version with 5.5-inch display costs just under $1<a href="http://www.apple.com/shop/buy-iphone/iphone-7/5.5-inch-display-256gb-rose-gold-tmobile#01,12,34,42,60">,000</a>. To offset the steep cost of the new phone, selling your old one is a smart idea.</p> <h2>Perks of Selling Your Phone Yourself</h2> <p>When it comes to getting the best price for your phone, you have to sell it yourself. If you opt to trade it in with your carrier or an electronics store, you may get as little as $75 for <a href="http://www.wisebread.com/the-5-best-iphone-6-covers">your older iPhone</a>. Considering that you likely spent $500 or more to buy it just a couple of years ago, that's a depressing rate of depreciation. You will get a lot more if you sell it on your own.</p> <p>These are five places to sell your phone and get the best prices. We used an iPhone SE with 16GB in excellent condition to compare offers.</p> <h3>1. Best Buy</h3> <p>Best Buy's trade-in<a href="http://www.bestbuy.com/site/misc/best-buy-trade-in/pcmcat133600050011.c?id=pcmcat133600050011"> program</a> offers a surprisingly good value, paying $200 for the phone. The one downside is that you need to trade the phone in person to get cash. Otherwise, if you decide to mail it in, you will get emailed an electronic gift card.</p> <h3>2. Gazelle</h3> <p>With Gazelle, you get an offer for your phone right away. Just select your phone model, storage capacity, and condition, and they will give you a quote. Gazelle offered $170 for the iPhone SE, plus a $20 credit toward the purchase of a new device. Gazelle offers free shipping and pays quickly via check, Amazon gift card, or PayPal.</p> <h3>3. NextWorth</h3> <p><a href="https://www.nextworth.com/">NextWorth</a> offered $142 for the phone, one of the lowest quotes yet. However, they offer more competitive prices on other devices. For example, they offered $150 for the Samsung Galaxy Note, which was more than other sites offered.</p> <h3>4. Gadget Salvation</h3> <p><a href="https://www.gadgetsalvation.com/how_it_works">Gadget Salvation</a> is willing to pay $158 for an iPhone SE in excellent condition. You can ship your phone to them for free and get paid via check or PayPal.</p> <h3>5. eBay</h3> <p>To get the highest price, eBay is often your best option. It requires more work on your part &mdash; and you need to be wary of scams &mdash; but selling on the popular auction<a href="http://www.wisebread.com/10-things-you-should-always-buy-and-sell-on-ebay"> site</a> is more lucrative than going through an intermediary. Several auctions for the iPhone SE 16GB phones have ended with buyers paying as much as $305 for a used phone. Even after paying for shipping yourself, that's a lot more money than you would make with the other sites.</p> <h2>Choosing Where to Sell</h2> <p>While it can be time-consuming, it's a good idea to check each of the sites to see how much you can get for your phone. Depending on supply and demand, some of the sites may offer higher prices at certain times than others. Check each site for a quote before choosing where to sell your phone to get the most money.</p> <p>Do your homework before trading in your phone, and you can get top dollar for your old device. That extra money can be a huge help in purchasing a new phone and cut down on your out-of-pocket costs.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/5-sites-that-will-pay-for-your-old-iphone">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-waterproof-laptop-cases">The 5 Best Waterproof Laptop Cases</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-selfie-sticks">The 5 Best Selfie Sticks</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-you-must-immediately-do-after-losing-your-smartphone">8 Things You Must Immediately Do After Losing Your Smartphone</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-i-saved-3190-with-a-50-hdtv-antenna">How I Saved $3,190 With a $50 HDTV Antenna</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-save-on-smartphone-costs-while-traveling">8 Ways to Save on Smartphone Costs While Traveling</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology gazelle iPhone iphone 6 iphone 7 sell your iphone smartphone technology Mon, 03 Oct 2016 10:00:09 +0000 Kat Tretina 1803459 at http://www.wisebread.com The 5 Best 4K Televisions http://www.wisebread.com/the-5-best-4k-televisions <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-4k-televisions" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple_4k_tv_94697427.jpg" alt="Couple buying best 4K TV" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>With an ultra HD 4K TV, you can experience your favorite programs like never before. No detail will be missed with the right ultra HD television, but they can come at a high cost. That&rsquo;s why we&rsquo;ve found some of the best 4K TVs available, so you can get the best value for your money.</p> <h2>What Is a 4K Television?</h2> <p>A 4K television has at least 8 million active pixels to provide four times the number of pixels and four times the detail, compared to other high definition TVs. It also has two times the vertical resolution and twice the horizontal resolution of current Hi-Def TVs. This provides superior color, clarity, and picture for unmatched television viewing.</p> <h2>Top 5 4K Televisions</h2> <h3>VIZIO 60-Inch 4K Ultra HD Smart LED TV</h3> <p><a href="http://amzn.to/2dpLO3V"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/vizio.jpg" width="245" height="162" align="right" alt="" /></a>The value-oriented <a href="http://amzn.to/2dpLO3V">VIZIO M60-C3 60-Inch 4K Ultra HD Smart LED TV</a> features unrivaled picture quality with four times the resolution of full HD. With 8.3 million screen pixels in every image, you can enjoy unmatched contrast, clarity, and definition, as well as pure black levels. The active pixel tuning enables pixel-level brightness adjustments for better picture accuracy, color, and detail. It has full array LED backlight and local dimming, as well as 32 active LED zones for a heightened contrast ratio of 20 million-to-1. The spatial scaling engine transforms 720p and 1080p HD into near ultra HD so you can continue watching your favorite programs. The smart TV has a range of 4K apps so you can start streaming immediately with built-in ultrafast 802.11ac dual-band Wi-Fi. It includes a remote control and a user-friendly, intuitive user interface for easier usage.</p> <p>This is one of the least expensive 4K TVs available, but you won&rsquo;t feel like you&rsquo;re giving anything up. It is commonly compared to more expensive 4K televisions and always comes out on top. You can choose from screen sizes ranging from 43-80 inches. The well-reviewed television is recommended by CNET, PCMag, Tom&rsquo;s Guide, Gizmodo, and Reviewed.com. It also has outstanding online reviews, including more than 1,000 five-star reviews on Amazon. It was the highest rated TV of 2015 and reviewers tend to agree that it&rsquo;s the &ldquo;best bang for your buck.&rdquo;</p> <p><a href="http://amzn.to/2dpLO3V"><em>Currently $989.98 on Amazon</em></a></p> <h3>Samsung 40-Inch 4K Ultra HD Smart LED TV</h3> <p><a href="http://amzn.to/2dpNf2a"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/samsung.jpg" width="245" height="160" align="right" alt="" /></a>The <a href="http://amzn.to/2dpNf2a">Samsung UN40KU6300 40-Inch 4K Ultra HD Smart LED TV</a> provides a picture that is four times sharper than full HD for unrivaled color saturation. It has a slim design, enhanced sound, PurColor, and UHD dimming for the best clarity, contrast, sharpness, and detail. The UHD upscaling picture engine upgrades lower resolution items to near ultra HD. The intuitive smart TV features various 4K apps, including the smart view app, and built-in Wi-Fi so you can begin watching your favorite programs right away. The included smart remote has a cutting-edge touch pad for easier usage.</p> <p>You can choose from screen sizes ranging from 40-70 inches. This is an Amazon College Checklist selection and has outstanding online reviews. The <a href="http://amzn.to/2cBdfWU">Samsung UN43KU7000 43-Inch 4K Ultra HD Smart LED TV (2016 Model)</a> is another College Checklist selection.</p> <p><a href="http://amzn.to/2dpNf2a"><em>Currently $458.20 on Amazon</em></a></p> <h3>LG Electronics Flat 55-Inch 4K Ultra HD Smart OLED TV</h3> <p><a href="http://amzn.to/2czXJGg"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/lg_0.jpg" width="245" height="153" align="right" alt="" /></a>The <a href="http://amzn.to/2czXJGg">LG Electronics OLED55B6P Flat 55-Inch 4K Ultra HD Smart OLED TV</a> is expensive, but reviewers tend to agree it&rsquo;s worth the higher cost. It uses 8.3 million revolutionary self-lighting pixels, individually controlled to achieve perfect black, cinematic color, and an unrivaled picture and contrast. The slim design flat screen has a wide viewing angle for exceptional picture quality. It has an expanded color palette and can support standard HDR and Dolby Vision. The onboard Harman Kardon Sound system ensures perfect sound every time. The award-winning Smart TV platform is easy to use with Magic Mobile Connection, Magic Zoom, and a magic remote control.</p> <p>You can choose from screen sizes ranging from 55-65 inches. This well-reviewed television is recommended by Consumer Reports, CNET, and TechRadar, and has outstanding online reviews. It is commonly compared to more expensive 4K TVs and always comes out on top. The <a href="http://amzn.to/2dq4k7K">LG Electronics 65EF9500 65-Inch 4K Ultra HD Flat Smart OLED TV (2015 Model)</a> is also frequently recommended.</p> <p><a href="http://amzn.to/2czXJGg"><em>Currently $2,497.00 on Amazon</em></a></p> <h3>Sony 75-Inch 4K Ultra HD Smart TV</h3> <p><a href="http://amzn.to/2dq6hks"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/sony.jpg" width="245" height="153" align="right" alt="" /></a>The super slim <a href="http://amzn.to/2dq6hks">Sony XBR75X940D 75-Inch 4K Ultra HD Smart TV</a> offers four times as many pixels as you get with an HD TV. The ultra HD TV has full-array local dimming and backlight, an X1 engine, and triluminos wide color spectrum technology for more colors and depth, providing a superior picture, contrast, and clarity. The smart TV has a range of 4K apps and an unobtrusive content bar so you can begin watching immediately with the built-in Wi-Fi. The included remote control has unique features, such as voice search, which allows you to say what you want to see.</p> <p>This is recommended by Forbes and TechRadar and has outstanding online reviews. The <a href="http://amzn.to/2ddXJyk">Sony XBR43X830C 43-Inch 4K Ultra HD Smart LED TV (2015 Model)</a> is also frequently recommended.</p> <p><a href="http://amzn.to/2dq6hks"><em>Currently $4,998.00 on Amazon</em></a></p> <h3>Sharp 50-Inch 4K Ultra HD Smart LED TV</h3> <p><a href="http://amzn.to/2czZjaS"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/n7.jpg" width="245" height="159" align="right" alt="" /></a>The <a href="http://amzn.to/2czZjaS">Sharp LC-50N7000U 50-Inch 4K Ultra HD Smart LED TV</a> has a 4K picture that&rsquo;s four times the pixel resolution of full HD. The HDR-enabled, feature-smart television features LED full array for unrivaled picture quality, color, clarity, and contrast. It features AquoMotion, AquoDimming, high dynamic range processing, and has a range of device connection options. Enjoy built-in award-winning dbx-TV sound technology and sound enhancing components for enhanced audio clarity. The ultra-slim smart TV has various built-in 4K apps so you can begin enjoying your favorite programs right away. With dual-band 802.11ac wireless Wi-Fi, you can also enjoy three times the speed of regular Wi-Fi.</p> <p>You can choose from screen sizes ranging from 43-65 inches. This has outstanding online reviews and offers a great value for the money. It has been Sharp&rsquo;s most affordable 4K TV since 2015, but shouldn&rsquo;t feel inferior to other 4K televisions.</p> <p><a href="http://amzn.to/2czZjaS"><em>Currently $547.00 on Amazon</em></a></p> <p>And those are our recommendations for the best 4K televisions. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-4k-televisions">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-cameras">The 5 Best Pet Cameras</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-food-steamers">The 5 Best Food Steamers</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-robotic-mops">The 5 Best Robotic Mops</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-aluminum-and-stainless-steel-water-bottles">The 5 Best Aluminum and Stainless Steel Water Bottles</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Home Shopping Technology 4k TVs 5 best HD TVs product reviews shopping televisions tvs Wed, 28 Sep 2016 09:30:28 +0000 Andrea Cannon 1801618 at http://www.wisebread.com 9 Questions You Should Ask Before Hiring a Robo-Adviser http://www.wisebread.com/9-questions-you-should-ask-before-hiring-a-robo-adviser <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-questions-you-should-ask-before-hiring-a-robo-adviser" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_laptop_thinking_59984612.jpg" alt="Woman asking robo-adviser questions before hiring" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Many experts predict that robots will soon take over jobs across many industries. (See also: <a href="http://www.wisebread.com/robots-will-take-over-these-5-jobs-soon-is-one-of-them-yours?ref=seealso">Robots Will Take Over These 5 Jobs Soon &mdash; Is One of Them Yours?</a>)</p> <p>And this trend is certainly evident in the financial industry, where robo-advisers (an automated online service that provides algorithm-based portfolio management without any involvement of human financial advisers) are already taking over a substantial portion of investment management. By the end of 2015, U.S. robo-advisers managed an estimated <a href="https://www.bloomberg.com/quicktake/robo-advisers">$50 billion in assets</a>. That value is expected to rise to $2.2 trillion by 2020.</p> <p>With major investment fund firms, such as Vanguard and Fidelity, deeply in the robo-advice game, many individual investors will need to decide whether to hire the services of a robo-adviser. So, let's review nine key questions you should ask before you trust your money to a &quot;bot.&quot;</p> <h2>1. Am I Eligible for a Robo-Adviser?</h2> <p>While robo-advisers are gaining in popularity, not every single retirement plan or investment house is offering them as an option. Some retirement plan advisers eschew automated portfolio management to differentiate themselves from the competition. This means that your current employer-sponsored retirement account or investment account may not offer robo-advisers.</p> <p>Even when a robo-adviser is available, you may not be have enough money in your investment account or nest egg to make use of them. Depending on your preferred broker, robo-advisers require a minimum investment balance of anywhere from $1 (WiseBanyan) to $50,000 (Vanguard). There are companies that don't ask for a minimum, but you should evaluate whether opening a separate investment or retirement account makes sense for you. (See also: <a href="http://www.wisebread.com/how-too-much-investment-diversity-can-cost-you?ref=seealso">How Too Much Investment Diversity Can Cost You</a>)</p> <h2>2. What Services Do You Offer?</h2> <p>Just like human financial advisers, not all robo-advisers are the same. Automatic portfolio rebalancing and tax-loss harvesting (selling securities that have experienced a loss to offset taxes on both gains and income) are among the most common services. Additional offerings vary, and may include advice for retirement accounts and access to a human financial adviser. To have a clear picture of all of your options, be sure to review all the disclosures and terms.</p> <h2>3. What Are the Fees?</h2> <p>The main driver behind the shift toward automated wealth-management is the promise of lower fees. After all, hiring the professional investment management services of a human financial adviser can cost from 0.25% to 1.0% of your account balance. On the other hand, with a robo-adviser you can pay as low as 0.15% of your account balance (using Betterment) or a flat monthly fee of $5 (using blooom).</p> <p>Be aware that some robo-advisers may charge you nothing for portfolio management, but still send you a bill for applicable trading expenses. For example, WiseBanyan and Charles Schwab Intelligent Portfolios provide free portfolio management free of charge, but invest primarily in exchange-traded funds (ETFs) with moderate to high expense ratios. (See also: <a href="http://www.wisebread.com/4-sneaky-investment-fees-to-watch-for?ref=seealso">4 Sneaky Investment Fees to Watch For</a>)</p> <h2>4. What Information Do You Need From Me and How Do I Update It?</h2> <p>A robo-adviser is an automated tool that makes investment decisions based on your response to questionnaires and selection of investment criteria. Your input directly affects the actions of the robo-adviser, so develop a crystal clear understanding of the intake process, set of available answers to each question, lead time to process an update, and window of opportunity to make changes. Additionally, ask who you can contact in case you don't understand a question or term.</p> <p>The Securities and Exchange Commission (SEC) recommends checking with the company whether the questionnaire actually allows you to customize services or forces to fit you into the tool's predetermined options.</p> <h2>5. What Are the Key Assumptions?</h2> <p>This is one of those times that you must read the user's manual in full detail. Every robo-adviser operates within a set of predetermined investment guidelines and economic assumptions. For example, some may limit their trades to low-cost index funds and others may assume an inflation rate of 3% per year. Depending on the assumptions, your fund can have a very different outcome from the one that you expected. Ask for documentation regarding the investment methodology, set of economic assumptions, and list of trading guidelines. The main objective is to spot potential assumptions or guidelines that you're just not comfortable with at all.</p> <h2>6. What Are My Investment Options?</h2> <p>Just as when you <a href="http://www.wisebread.com/who-to-hire-a-financial-planner-or-a-financial-adviser">hire a financial adviser or financial planner</a>, check for the pay structure of a potential robo-adviser. Some investment houses may limit your investment options to only those from the same investment house, or worse, may receive kickbacks for purchasing specific financial vehicles. Still, you can have a robo-adviser that only trades with a limited set of securities and meets your unique investment needs. To be able to compare apples to apples, find out what the investment options are of any robo-adviser that you're considering.</p> <h2>7. Can the Robo-Adviser Offer Me More Later?</h2> <p>A robo-adviser can be a useful tool for individuals who are just starting to invest, have a low account balance, or have straightforward financial needs. As your account balance grows and your financial situation changes, you may need more advanced wealth management services, such as taxes, retirement planning, cash flow management, or estate planning that can be beyond the scope of your current robo-adviser. Finding out the service tiers of a robo-adviser is also an important criteria so you determine whether or not your robo-adviser can &quot;grow&quot; with you.</p> <h2>8. How Do I Terminate the Contract?</h2> <p>Understand the details of how to end a contractual relationship with the firm and how long it may take to cash out any investments if you decide to stop using the tool. For a robo-adviser involving retirement accounts, inquire about the applicable terms and conditions, if any, for a rollover to an external retirement account. (See also: <a href="http://www.wisebread.com/a-simple-guide-to-rolling-over-all-of-your-401ks-and-iras?ref=seealso">A Simple Guide to Rolling Over All of Your 401Ks and IRAs</a>)</p> <h2>9. How Do You Protect My Personal Data?</h2> <p>Last, but not least, remember that you're going to access an online service. Check for the steps that the company takes to protect your personal data and the policies in case of a security breach or phishing attempt. Also, ask whether or not the company shares your information with third parties. If so, ask who those parties are and how you can opt out of having your information made available to those parties.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/9-questions-you-should-ask-before-hiring-a-robo-adviser">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-costly-mistakes-diy-investors-make">9 Costly Mistakes DIY Investors Make</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-invest-when-youre-in-debt">6 Ways to Invest When You&#039;re In Debt</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-signs-an-etf-isnt-right-for-you">8 Signs an ETF Isn&#039;t Right for You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-too-much-investment-diversity-can-cost-you">How Too Much Investment Diversity Can Cost You</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-essentials-for-building-a-profitable-portfolio">5 Essentials for Building a Profitable Portfolio</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Investment Technology assumptions contracts fees financial advisers personal data portfolio management robo-advisers Thu, 22 Sep 2016 09:30:23 +0000 Damian Davila 1796991 at http://www.wisebread.com Best Money Tips: How to Get a Free iPhone 7 http://www.wisebread.com/best-money-tips-how-to-get-a-free-iphone-7 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-how-to-get-a-free-iphone-7" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/new_iphone_65518275.jpg" alt="Learning how to get a free iPhone 7" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on how to get a free iPhone 7, things to avoid when asking for a raise, and ways to control your happiness.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2016/0917/These-wireless-carriers-are-offering-a-free-iPhone-7-with-trade-in">These wireless carriers are offering a free iPhone 7 with trade-in</a> &mdash; If you have a fully paid-off iPhone 6 or 6s, you may be able to trade it in for the newest model for free. [The Monitor]</p> <p><a href="http://www.aol.com/article/2016/09/19/3-wrong-ways-to-ask-for-a-raise/21474923/">3 wrong ways to ask for a raise</a> &mdash; Avoid talking about personal issues in a salary negotiation. There has to be a business reason for increasing your pay. [AOL Finance]</p> <p><a href="http://www.popsugar.com/smart-living/How-Control-Your-Happiness-42397335">4 Ways That You (and Only You!) Can Control Your Happiness</a> &mdash; Studies have shown that people who stay in regular contact with around 10 friends are happier and live longer. [PopSugar Smart Living]</p> <p><a href="http://parentingsquad.com/6-smart-ways-parents-can-use-smart-plugs">6 Smart Ways Parents Can Use Smart Plugs</a> &mdash; Smart plugs allow you to control your home electronics &mdash; from lights to TVs to coffee makers and everything in between &mdash; from anywhere with Internet. [Parenting Squad]</p> <p><a href="http://www.experian.com/blogs/news/about/fincon16/">#FinCon16 Pre-Party: Favorite Money-Tips from Personal Finance Experts</a> &mdash; Join Experian's #CreditChat tomorrow at 3 p.m. ET! Personal finance experts will be sharing their favorite money tips. [Experian]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.shebudgets.com/life-hacks/three-simple-ways-to-make-any-email-more-professional/71196">Three Simple Ways to Make Any Email More Professional</a> &mdash; We all know and use text lingo, but emails to your boss or clients require professional lingo. [SheBudgets]</p> <p><a href="http://shopperstrategy.com/2016/09/19/how-to-protect-your-computer-from-viruses-for-free/">How to Protect Your Computer from Viruses for Free</a> &mdash; Be careful what you download! Use anti-virus software that will check if the file you're about to download from an email, website, or service is infected. [Shopper Strategy]</p> <p><a href="http://www.thefrugaltoad.com/personalfinance/5-ways-to-lower-your-insurance-premiums">5 Ways to Lower Your Insurance Premiums</a> &mdash; You can get a 10-30% discount on auto insurance by using a plug-in tool that monitors your driving habits. [The Frugal Toad]</p> <p><a href="http://www.fool.com/investing/2016/09/19/3-smart-tax-moves-to-make-now.aspx?source=iedfolrf0000001">3 Smart Tax Moves to Make Now</a> &mdash; Tax planning is an ongoing process. You'll be glad you made these three moves when tax time rolls around. [The Motley Fool]</p> <p><a href="http://christianpf.com/investing-with-little-money/">5 Ways To Get Started Investing With Very Little Money</a> &mdash; You can start investing with as little as $50 or $100 &mdash; you just need to know where to look! [Seed Time]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-how-to-get-a-free-iphone-7">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-sites-that-will-pay-for-your-old-iphone">5 Sites That Will Pay for Your Old iPhone</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-cameras">The 5 Best Pet Cameras</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-fitness-gadgets-actually-worth-the-money">5 Fitness Gadgets Actually Worth the Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really">7 Apps That Make Budgeting Fun — No Really!</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-apps-that-actually-pay-you-to-shop">8 Apps That Actually Pay You to Shop</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Technology best money tips iphone 7 Tue, 20 Sep 2016 09:30:18 +0000 Amy Lu 1795969 at http://www.wisebread.com 8 Best Sites to Help Your Kids Learn About Money http://www.wisebread.com/8-best-sites-to-help-your-kids-learn-about-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-best-sites-to-help-your-kids-learn-about-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_daughter_breakfast_64728213.jpg" alt="Finding best sites to help your kids learn about money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Teaching your children about money is an important, yet often overlooked area of education. Most kids will not want to sit through a lecture about credit card usage and budgeting practices, but they might be more willing to listen to interactive videos and games. These sites make learning about money and money management fun and enjoyable.</p> <h2>1. Biz Kids</h2> <p><a href="http://bizkids.com/">Biz Kids</a> offers short and interesting videos aimed toward middle schoolers. These videos cover a wide range of topics from young entrepreneurs to starting a business to different money personalities. For teachers and home-schoolers, there are coordinating lessons that go with the videos. The site also has three different games &mdash; Break the Bank, Bring Home the Bacon, and Dollar a Glass &mdash; which allow kids to try their hands at running a virtual lemonade stand.</p> <h2>2. Rich Kid, Smart Kid</h2> <p>The <a href="http://www.richkidsmartkid.com/">Rich Kid, Smart Kid</a> site was created by The Rich Dad Company, the brand behind the popular book, <a href="http://amzn.to/2chdAMF">Rich Dad, Poor Dad</a>. The site comes with four interactive games: Jesse's Ice Cream Stand, Reno's Debt Dilemma, Ima's Pay Yourself 1st, and Jesse's Big Change. The site has fun graphics and is kid-friendly to use. For parents and teachers, there are teaching resources for every age level.</p> <h2>3. Lemonade Tycoon</h2> <p>While not technically a site, <a href="http://www.shockwave.com/gamelanding/lemonade.jsp">Lemonade Tycoon</a> is an addicting game that shows kids the way to build a business from the bare minimum to franchise status. This game can help show children that in order to grow a business, you need to strike a balance between profits and investments. Kids will also learn that there is a fine balance between product cost, product quality, and product success. For example, adding more water to the lemonade will bring down costs, but it can also drive away customers. On the other hand, using a lot of sugar in the lemonade will cost more and gain more sales, but the profit margin is smaller.</p> <h2>4. H.I.P. Pocket Change</h2> <p><a href="https://www.usmint.gov/kids/">H.I.P. Pocket Change</a> focuses less on money management and more on the history of coins worldwide. The site has several games and cartoons that teach how a coin is made and other important dates in coin history. There are also a lot of great resources for kids interested in coin collecting.</p> <h2>5. Sense &amp; Dollars</h2> <p>The <a href="http://senseanddollars.thinkport.org/">Sense &amp; Dollars</a> site has several interactive calculators. The site calls them games, but they are simply calculators that require little input. The Saving Money section of the site is most helpful, especially the Show Me the Money calculator, which shows how much an investment will grow in different saving accounts. The Charge game is also useful since it can show your child how much something costs when you charge it and then make minimum payments. On the other hand, The Makin' the Bacon calculator is extremely outdated and does not factor in taxes or SSI taken out of each paycheck.</p> <h2>6. It's My Life</h2> <p><a href="http://pbskids.org/itsmylife/money/">It's My Life</a> from PBS Kids offers advice, shows, and games for all areas of life. The money section is small, but there is a game called Mad Money. There is also a lot of helpful advice for older kids that want to get started in babysitting.</p> <h2>7. Credit Card Simulator Game</h2> <p>This <a href="https://www.channelone.com/feature/credit-card-simulator-game/">Credit Card Simulator</a> game from Channel One allows kids to get a virtual platform card and virtually shop in the game's mall. The game will then teach about the downside of interest and debt.</p> <h2>8. Three Jars</h2> <p><a href="http://www.threejars.com/">Three Jars</a> is a great site for kids and parents alike, since it can help streamline allowance time. With this site, kids keep track of how much money is owed to them through either chores, odd jobs, or both. The money then gets split into three jars entitled Spend, Save, and Share. The goal of the site is to make managing allowances easier, while minimizing nagging and entitlement in your home. For example, when a child asks for something at the store, you can buy it for them if the money is in their spend jar. If the item costs $20, and they only have $5 in their spend jar, then the responsibility is on them. They either need to do more chores or spend less money.</p> <p>While your kids might not want to trade in their video games for these interactive money games and websites, they are a great starting point to talk about money in your home.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/8-best-sites-to-help-your-kids-learn-about-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-fun-money-apps-for-kids">10 Fun Money Apps for Kids</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-top-money-lessons-to-learn-from-ruth-soukups-unstuffed">4 Top Money Lessons to Learn From Ruth Soukup&#039;s &quot;Unstuffed&quot;</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-bad-money-habits-youre-teaching-your-kids">4 Bad Money Habits You&#039;re Teaching Your Kids</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-good-money-examples-every-parent-should-set">3 Good Money Examples Every Parent Should Set</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-much-should-your-kids-know-about-your-finances">How Much Should Your Kids Know About Your Finances?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Family Technology allowances games interactive kids learning tools money lessons teaching websites Mon, 19 Sep 2016 10:00:07 +0000 Ashley Eneriz 1794072 at http://www.wisebread.com How to Use Snapchat in Your Job Search http://www.wisebread.com/how-to-use-snapchat-in-your-job-search <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-use-snapchat-in-your-job-search" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_55082910_MEDIUM.jpg" alt="using snapchat in your job search" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Graham Allgood, a college senior, dreamed of landing a social media internship at top agency <a href="http://www.businessinsider.com/graham-allgood-uses-snapchat-geofilter-for-internship-interview-2016-5">Horizon Media</a>. The problem was, so did every other college senior. Allgood knew he had to set himself apart, so he decided to skip the traditional resume and application and did something completely unexpected: he created an on-demand geofilter. This is a Snapchat design that features a custom location or special event, and Allgood scheduled a campaign to launch during the agency's working hours.</p> <p>That same day, Allgood received an invitation to interview, and within days, he had a job offer. His ingenuity and innovation cut through the competition and showed off his social media savvy, making him a great fit for the agency.</p> <h2>Snapchat and Job Searching</h2> <p>If you think Snapchat is something just for teens to swap selfies or make silly faces, you may be missing out on a powerful career development tool. While known for its use by millennials and teenagers, Snapchat is one of the fastest growing social media platforms with over&nbsp;<a href="http://www.adweek.com/socialtimes/snapchat-is-the-fastest-growing-social-network-infographic/624116">200 million</a> active users.</p> <p>Companies from HubSpot to General Electric are increasingly using the app to highlight their work, culture, and employees, and it can be an easy way to connect with prospective employers. From showcasing your portfolio to networking with professionals, Snapchat can be an asset in&nbsp;<a href="http://www.wisebread.com/8-100k-jobs-you-can-do-online">your job search</a>. Here's how to take advantage of all Snapchat has to offer:</p> <h3>Highlight Your Achievements</h3> <p>Snapchat provides a unique opportunity to highlight your work in an engaging way visually. Share your expertise, exciting projects, and great results. Use the app as a platform to position yourself as an industry leader. For example, comment on the latest trends in your industry, create stories with Snapchat's features to show off your latest campaign, or show your team celebrating a significant milestone. It lets employers see not only your work, but your personality, teamwork, and social media savvy.</p> <h3>Instead of a Resume, Tell a Story</h3> <p>If you are in a creative industry, like advertising or event planning, posting your resume as a story can be an excellent way to stand out from the competition. Video clips and pictures that recap your experience, accomplishments, and growth emphasize your capabilities and potential for a new position. While a Snapchat resume may not work in fields like law or accounting, a social media-based resume can resonate in fields that focus on out-of-the-box thinking and ingenuity.</p> <h3>Network With Employers</h3> <p>With employers like&nbsp;<a href="http://www.reuters.com/article/goldman-sachs-snapchat-idUSL1N11O1T920150918/">Goldman Sachs</a> posting regularly on Snapchat, it can be a great way to learn about a company, find out about their culture, and connect with their staff. They often post breaking news, milestones, and other achievements, which can give you great talking points in a cover letter or interview. You can interact with them as well, but do it strategically when you have something of value to contribute to the discussion.</p> <p><a href="http://www.bizjournals.com/louisville/blog/2015/05/taco-bell-uses-snapchat-to-advertise-internships.html">Taco Bell</a> is a great example of a company using Snapchat to advertise job opportunities and recruiting for internships.</p> <h2>Career Development</h2> <p>Some of the biggest leaders in business use Snapchat to offer tips, advice, and tutorials on industry trends. Follow key leaders in your field to learn about building your executive presence, how to increase engagement or how to improve your productivity.</p> <p>While Snapchat is most well known as an app for funny pictures and video clips, if used strategically, you can use it as a powerful platform to supercharge your job search.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/how-to-use-snapchat-in-your-job-search">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-youre-sabotaging-your-job-hunt">7 Ways You&#039;re Sabotaging Your Job Hunt</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-times-of-year-to-start-a-job-search">The Best Times of Year to Start a Job Search</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-effective-ways-to-make-yourself-more-employable">6 Effective Ways to Make Yourself More Employable</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-high-paying-jobs-that-didnt-exist-10-years-ago">9 High-Paying Jobs That Didn&#039;t Exist 10 Years Ago</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-to-job-hunt-without-getting-caught">9 Ways to Job Hunt Without Getting Caught</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Job Hunting Technology job search networking resume selfie snapchat social media social network Wed, 14 Sep 2016 10:00:13 +0000 Kat Tretina 1792128 at http://www.wisebread.com