Technology http://www.wisebread.com/taxonomy/term/8130/all en-US The 5 Best Travel Adapters http://www.wisebread.com/the-5-best-travel-adapters <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-travel-adapters" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/travel_outlet_adaptor_491616630.jpg" alt="Using best travel adapters for international travel" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A travel adapter is a must-have for any international traveler. Each country has their own outlets, which fit different sized plugs. With a travel charger, you can conveniently and safely charge your electronic devices, no matter where you are in the world.</p> <h2>What is a travel adapter?</h2> <p>A travel adapter is a compact device that allows you to quickly, easily connect to any electrical outlets around the world. You&rsquo;ll want to find the appropriate plug for the country you&rsquo;re visiting or you can purchase an all-in-one converter that has plugs for multiple countries.</p> <p>Every adapter is different. Some offer the added benefit of built-in surge protection, which can provide peace of mind that your devices are protected in the event of a power surge. Some can even convert the voltage, so you can safely charge your devices when traveling.</p> <h2>Top 5 travel adapters</h2> <h3>Insten Universal All-in-One Worldwide Travel Power Plug</h3> <p><a href="http://amzn.to/2vCGgcJ" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/insten.jpg" width="245" height="245" align="right" alt="" /></a>The compact, lightweight <a href="http://amzn.to/2vCGgcJ" target="_blank">Insten Universal All-in-One Worldwide Travel Power Plug</a> features dual USB charging ports and one AC socket to charge three devices at one time. It has plugs for U.S./EU/UK/AU, which fits over 150 countries. This updated version features a patented circuit board that protects your devices from short circuits.</p> <p>The universal charger is available in two colors. It has outstanding online reviews, including more than 2,500 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2vCGgcJ" target="_blank"><em>Currently $11.99 on Amazon</em></a></p> <h3>BESTEK Voltage Converter</h3> <p><a href="http://amzn.to/2w9goHc" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/bestek.jpg" width="245" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2w9goHc" target="_blank">BESTEK Voltage Converter</a> has four USB ports and a UK/AU/U.S./EU travel adapter, which works in more than 150 countries. The upgraded portable power voltage converter can convert overseas voltage to U.S. voltage (110V), so you can safely charge your devices when traveling. The reliable compact adapter protects you and your devices with built-in surge and short circuit protection. The all-in-one design has three AC outlets and four USB charging ports, so you can charge up to seven devices at the same time.</p> <p>This is available in two different colors. It is recommended by Lifehacker. It is also an Amazon best-seller and has outstanding online reviews, including nearly 2,000 five-star reviews on Amazon. It is also backed by a 30-day money back guarantee and 18-month hassle-free warranty.</p> <p><a href="http://amzn.to/2w9goHc" target="_blank"><em>Currently $36.99 on Amazon</em></a></p> <h3>OREI European Plug Adapter</h3> <p><a href="http://amzn.to/2fJY1S4" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/orei.jpg" width="245" height="245" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in power distribution units, the <a href="http://amzn.to/2fJY1S4" target="_blank">OREI European Plug Adapter</a> is a &quot;Type E/F&quot; universal plug adapter with a two-in-one input that can safely accept two plugins at once. The patented universal socket accepts a wide variety of two-prong or three-prong plugs from around the world. The new insulated design provides better conductivity and safety protection.</p> <p>The grounded Schuko plug is an Amazon best-seller and has outstanding online reviews, including more than 3,500 five-star reviews on Amazon. It is also backed by a lifetime limited warranty.</p> <p><a href="http://amzn.to/2fJY1S4" target="_blank"><em>Currently $6.49 on Amazon</em></a></p> <h3>Travel Inspira Universal All-in-One Worldwide Travel Power Plug</h3> <p><a href="http://amzn.to/2fJUcw1" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/universal.jpg" width="245" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2fJUcw1" target="_blank">Travel Inspira Universal All-in-One Worldwide Travel Power Plug</a> offers five different plugs in one adapter, all with a built-in surge protector and safety shutters to better protect you and your devices. The compact, lightweight adapter features dual USB fast-charging ports and can charge up to three devices at once.</p> <p>The durable plug works with U.S./EU/UK/AU plugs, which fits over 150 countries. It is recommended by Lifehacker and has outstanding online reviews.</p> <p><a href="http://amzn.to/2fJUcw1" target="_blank"><em>Currently $22.19 on Amazon</em></a></p> <h3>Kensington International Travel Adapter</h3> <p><a href="http://amzn.to/2uHKwc8" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/kensington.jpg" width="245" height="211" align="right" alt="" /></a>The <a href="http://amzn.to/2uHKwc8" target="_blank">Kensington International Travel Adapter</a> couldn&rsquo;t be easier to use. Simply push the integrated plug release button to slide out the correct plug configuration for the country you&rsquo;re in. When you're done charging, simply slide it back into the adapter. The two-pole adapter can power a laptop and quickly charge two mobile devices at the same time. The compact adapter has plugs for U.S./Japan, AUS/China, UK, and EU, which works in over 150 different countries.</p> <p>This is recommended by Lifehacker and has outstanding online reviews. It is also backed by a 90-day money-back guarantee and two-year warranty.</p> <p><a href="http://amzn.to/2uHKwc8" target="_blank"><em>Currently $23.79 on Amazon</em></a></p> <p>And those are our recommendations for the best travel adapters. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">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-travel-adapters">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-binoculars">The 5 Best Binoculars</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-smart-alarm-clocks">The 5 Best Smart Alarm Clocks</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-selfie-sticks">The 5 Best Selfie Sticks</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-usb-powered-fans">The 5 Best USB-Powered Fans</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-packing-cubes">The 5 Best Packing Cubes</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology Travel 5 best power plug product reviews shopping travel accessories travel adapters Wed, 16 Aug 2017 08:19:52 +0000 Andrea Cannon 2004036 at http://www.wisebread.com 5 Easy Ways to Declutter Your Digital Life http://www.wisebread.com/5-easy-ways-to-declutter-your-digital-life <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-easy-ways-to-declutter-your-digital-life" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/beautiful_woman_using_digital_tablet_at_cafe.jpg" alt="Beautiful woman using digital tablet at cafe" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We all love our digital tools and apps, but without conscious oversight, those sacred internet spaces can quickly become cluttered. All that digital mess can outweigh the advantages of speedy communication. You can go off the grid altogether (but we know that's not really going to happen), or you can use these tips to keep your digital life under control.</p> <h2>1. Keep your email organized</h2> <p>Getting your email to the elusive Inbox Zero isn't necessarily the most productive use of your time. In fact, there's some controversy over whether you should waste time sorting and managing email, or if you should just read it and let it languish in your ever-expanding inbox.</p> <p>Here's what I know: When I open my inbox and see hundreds of emails in there, my brain thinks of each one as a task I need to complete. Maybe you aren't as sensitive to email stimulus. However, if a cluttered inbox makes you grumpy, getting to Inbox Zero can bring clarity and calm and make your email use more efficient.</p> <h3>Delete, delete, delete!</h3> <p>Take some time and go through those remaining emails in your inbox. Delete or archive the ones you no longer need. Then unsubscribe from the email lists and newsletters you know you no longer want.</p> <h3>Use helpful tools</h3> <p>You can use a service like <a href="https://unroll.me/" target="_blank">Unroll.me</a> to get your email subscriptions under control and unsubscribe to mass emails in bulk. However, be aware that Unroll.me <a href="http://lifehacker.com/unroll-me-the-email-unsubscription-service-has-been-c-1794593445" target="_blank">collects and sells anonymized user data</a>. Most third-party email services are collecting data of some kind (though not all are selling it). If you use one, do so with caution. (See also: <a href="http://www.wisebread.com/5-kinds-of-emails-to-purge-from-your-inbox?ref=seealso" target="_blank">5 Kinds of Emails to Purge From Your Inbox</a>)</p> <h3>Use filters and folders</h3> <p>Once you have your inbox cleared and you're happily unsubscribing with a single click from mailing lists you no longer care about, you need to protect all that work. The emails will keep coming, after all.</p> <p>You can use filters, folders, and labels to organize your emails. Depending on which email service you use, of course, the options for organization will be slightly different. However, in most cases, you can use filters to sort your email via customized settings, such as a keyword in the subject or a specific sender.</p> <p>Create folders or use labels to organize emails by specific topic or context. For example, you could set up a filter to apply a &quot;Financial&quot; label to all emails from your bank or credit card issuer, and to any emails containing keywords such as &quot;Payment processing.&quot; Now all your financially related emails are sorted into one place, automatically. Or use a service like <a href="https://getorganizer.com/" target="_blank">Organizer</a> to do all that sorting and categorizing work for you.</p> <h2>2. Safeguard your passwords</h2> <p>Passwords. Ugh. So, you want to be secure and you don't want to get hacked, but you also can't remember a different password for every account you have, and you're not good at coming up with strong passwords. And writing down each username and password you create on a paper scrap which immediately disappears to wherever socks go is equally terrible.</p> <p>Use a password manager. You will thank me a million times over the next month as you click that handy button and let your secure password manager do the work. You don't have to be vulnerable and you also don't have to remember it all yourself.</p> <h3>Set up a password manager</h3> <p>My password manager of choice is <a href="https://www.lastpass.com/" target="_blank">LastPass</a>. It's easy to use, fully functional, and it's free. You can pay for a premium version which will sync across all devices. I did after several years of using the free version. It's worth every penny.</p> <p>The most difficult part of a password manager is the initial setup. You'll need to install your password manager, and then login to each account to save the information (and to update it with a secure password, as needed).</p> <p>If LastPass isn't for you, try <a href="https://1password.com/" target="_blank">1Password</a> or <a href="https://www.roboform.com/" target="_blank">RoboForm</a>.</p> <h2>3. Reduce your online accounts</h2> <p>How many online services have you signed up for, only to forget about them weeks later? The number is probably about as high as the email subscriptions you're finding in your now-clean inbox.</p> <p>Leaving outdated, unused accounts open is kind of annoying, and it can also be a security hazard. Especially if you used that old, easily hacked &quot;1234goteam&quot; password on an account you've forgotten; even more so if that account is linked to other online accounts.</p> <h3>Locate and eliminate</h3> <p>Who can remember all those old accounts? Not me. Probably not you. A service called <a href="https://www.deseat.me/" target="_blank">Deseat.me</a> can help &mdash; it's free and easy to use. Choose to login with Google or Outlook, then gaze in shock at the long list of accounts you have. (I had <em>189</em>!)</p> <h2>4. Clean up your social media presence</h2> <p>Whether you use social media to send invites to your kid's birthday party or to creep on your high school crush, you don't need clutter getting in the way.</p> <p>If you've gone through the process of finding and canceling outdated accounts, then you've already eliminated Myspace and Xanga. Now it's time to clean up the social media accounts you do use. (See also: <a href="http://www.wisebread.com/7-easy-ways-to-clean-up-your-image-on-social-media?ref=seealso" target="_blank">7 Easy Ways to Clean Up Your Image on Social Media</a>)</p> <h3>Unfollow people on Facebook</h3> <p>Declutter your Facebook newsfeed by consciously controlling who you follow. You can do this individually by clicking on the top right corner of a post in your newsfeed, and select &quot;Unfollow.&quot; You can do this with people or group pages. To bulk unfollow, go to News Feed Preferences and click on the &quot;Unfollow people to hide their posts&quot; option. You'll see a list of all the people you currently follow; click on the ones you don't want to follow anymore.</p> <h3>Declutter Twitter and Snapchat</h3> <p>Twitter provides plenty of options for muting, unfollowing, and <a href="https://sproutsocial.com/insights/twitter-lists/" target="_blank">sorting Twitter users into lists</a> so you can declutter your timeline without missing out.</p> <p>You can also organize your Snapchat friends list so you see the most important people first.</p> <h2>5. Clean up your computer files</h2> <p>During your digital decluttering mission, let's not neglect the offline detritus. Your computer's file system probably needs a good cleaning. Start with your Downloads folder. Is it still holding every image, .pdf, and document you've downloaded in the last three and a half years? Is your Documents folder a mile-long list of every text-based file you've ever created?</p> <p>Let's fix this.</p> <h3>Set up a system</h3> <p>Before you can sort your files, you need to set up categories. It's going to be different for everyone, but it's a good idea to start by thinking of the main type of files you have, and how you can sort them into more manageable collections. For example, if you have hundreds of photos, you could create chronological folders and sort photos by year or by event. If you keep lots of documents, sort them by use: financial, work, writing, research, etc. The key is to create categories that are large enough to be high-level but small enough to be manageable.</p> <h3>Clean up your files</h3> <p>Before you start moving your files into your snazzy new folders, remove duplicate files.</p> <p>To keep your filing system in pristine shape, get in the habit of moving files where they belong as soon as you download and save them. If that seems like too much work, make a weekly habit of updating and organizing all newly acquired files.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/5-easy-ways-to-declutter-your-digital-life">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/3-sneaky-ways-identity-thieves-can-access-your-data">3 Sneaky Ways Identity Thieves Can Access Your Data</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/going-off-the-grid-is-a-lot-harder-than-you-think">Going Off the Grid Is a Lot Harder Than You Think</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/beware-the-nasty-secret-of-the-craigslist-free-section">Beware, The Nasty Secret Of The Craigslist Free Section</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/sit-in-on-a-class-at-mit-for-free">Sit in on a Class at MIT for Free!</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Technology declutter digital email get organized inbox Internet internet presence online password manager task manager Wed, 16 Aug 2017 08:00:07 +0000 Annie Mueller 2003614 at http://www.wisebread.com How to Buy a New Computer Without Breaking Your Budget http://www.wisebread.com/how-to-buy-a-new-computer-without-breaking-your-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-buy-a-new-computer-without-breaking-your-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_happy_computer_468739184.jpg" alt="Woman buying a new computer without breaking her budget" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I needed to replace my nine-year-old laptop, but I had trouble finding the right deal. New high-end systems can be very expensive, although you can get a powerful computer and customize it the way you want. New budget models are less expensive, but often have flimsier construction and may lack desirable features. Used computers are even less expensive, but don&rsquo;t usually come with a warranty and may have damage that you won&rsquo;t discover until after you buy.</p> <p>I kept looking into options to purchase a computer and found the right option for me &mdash; a refurbished laptop. If you are looking to get a computer without breaking your budget, check out these purchasing options and choose the one that's best for you.</p> <h2>Option 1: New computer, high-end model</h2> <p>If you need a lot of computing horsepower, you'll want to look at high-end models. You can get the latest processors and abundant memory. You can also customize your options such as case color, processor type, RAM size, and accessories. You can have it all: a fast new computer with all the features you want, and a warranty. But it'll come at a hefty price.</p> <h3>How to get best deal on a computer that will last</h3> <ul> <li>Look for open box items at the store to save around 5 to 10 percent.<br /> &nbsp;</li> <li>Shop back-to-school and winter holiday sales.<br /> &nbsp;</li> <li>Check to see if your employer has a purchase discount program with certain computer manufacturers.<br /> &nbsp;</li> <li>Follow emerging trends to avoid buying before a significant new feature or operating system is rolled out.</li> </ul> <h2>Option 2: New computer, budget model</h2> <p>You may experience sticker shock after looking at prices for high-end models, but you can move down to the budget models without sacrificing too much. These are new computers, but may include designs and technology that are a few years old. Budget models may have slightly flimsier construction using less expensive materials. Components such as keyboards, screens, speakers, and input devices may be a step down in quality from high-end systems.</p> <h3>How to get best deal on a computer that will last</h3> <ul> <li>Check reviews, and if possible, check out the computer in person. One thing that scared me away from a budget laptop I was considering is that many reviewers said the keyboard was terrible.<br /> &nbsp;</li> <li>Look beyond the specs. The basic specs cover processor, memory, storage size, etc. but don&rsquo;t cover quality and usability issues.<br /> &nbsp;</li> <li>Consider adding RAM or upgrading to a solid state drive to boost performance of a budget computer.</li> </ul> <p>A new budget computer can cost 30 to 50 percent less than a new high-end model, depending on features.</p> <h2>Option 3: Refurbished computer</h2> <p>There are many definitions for what &ldquo;refurbished&rdquo; means, but the general idea is that refurbished computers have been returned to the manufacturer and are then checked out and restored to their original specifications. This may include replacing or repairing damaged or faulty parts and reinstalling the operating system. Some refurbished items have never been used and are essentially new. Others may have some use, but are then restored to new condition.</p> <p>With a refurbished computer, I was able to find a system that had all of the features I wanted at a price I could afford.</p> <h3>How to get best deal on a computer that will last</h3> <ul> <li>Make sure the computer being sold as &ldquo;refurbished&rdquo; is actually refurbished and not just a used computer.<br /> &nbsp;</li> <li>Check the warranty period and conditions to make sure you can return the refurbished item if you are not satisfied.<br /> &nbsp;</li> <li>Shop around &mdash; deals vary widely from one seller to the next and over time as new refurbished inventory comes in.</li> </ul> <p>I paid nearly 50 percent less for a refurbished computer than for a similar new budget model. The typical savings for refurbished computers is up to 30 percent off.</p> <h2>Option 4: Used computer</h2> <p>If you are looking to minimize your spending on a computer, getting a used computer may be worth the hassle. You can find used computers for sale on Craigslist and eBay. The main concerns with buying a used computer are that they do not typically include a warranty, and you may be getting a computer that does not have original parts due to user upgrades and repairs.</p> <h3>How to get best deal on a computer that will last</h3> <ul> <li>Consider weight and size in addition to processing power, as older computers tend to be bulkier and heavier than newer models with the same processing capability.<br /> &nbsp;</li> <li>Watch out for used laptops with worn out batteries that have almost no battery capacity left.<br /> &nbsp;</li> <li>Try to check out the used computer in person to evaluate its condition for yourself before buying.<br /> &nbsp;</li> <li>If buying online, make sure the seller has a high rating.</li> </ul> <p>A used computer can cost 30 to 50 percent less than a new budget model, depending on features. (See also: <a href="http://www.wisebread.com/6-back-to-school-items-you-can-buy-used?ref=seealso" target="_blank">6 Back-to-School Items You Can Buy Used</a>)</p> <h2>Option 5: Tuneup your current computer</h2> <p>If the problem you are trying to solve is that your computer is slow, you may be able to resolve this by tuning up or upgrading your current computer. I kept my old computer running for years by running tuneup software to scan for malware and optimize its performance. There are inexpensive upgrades you can install yourself, such as adding RAM or a bigger hard drive. And sometimes a clean install of the operating system can bring an older computer back to life. But don&rsquo;t pour too much money into upgrading an old computer. The best you can hope for is to extend its life by a few years. Tuning-up your current computer can cost 80 percent less than buying a new budget model, depending on features.</p> <p>No matter what computer you choose, it will be likely be outdated within a few years due to advances in technology. Keeping this in mind, look at what you need from a computer over the next few years and get the best deal you can find on one that has everything you need.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dr-penny-pincher">Dr Penny Pincher</a> of <a href="http://www.wisebread.com/how-to-buy-a-new-computer-without-breaking-your-budget">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-back-to-school-items-you-can-buy-used">6 Back-to-School Items You Can Buy Used</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-waterproof-laptop-cases">The 5 Best Waterproof Laptop Cases</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-effortless-ways-to-save-on-back-to-school-shopping">4 Effortless Ways to Save on Back-to-School Shopping</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-cameras">The 5 Best Pet Cameras</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-misleading-gadget-marketing-gimmicks">8 Misleading Gadget Marketing Gimmicks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology back-to-school buy used computer shopping Desktops laptops new computer refurbished computers shopping tips tech gadgets Mon, 14 Aug 2017 08:30:11 +0000 Dr Penny Pincher 2001656 at http://www.wisebread.com Best Money Tips: How to Get Free Wi-Fi at the Airport http://www.wisebread.com/best-money-tips-how-to-get-free-wi-fi-at-the-airport <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-free-wi-fi-at-the-airport" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_airport_laptop_589420478.jpg" alt="Woman getting free Wi-Fi at the airport" 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 free Wi-Fi at the airport, quick and easy ways to organize your closet, and simple habits to help you stop overthinking.</p> <h2>Top 5 Articles</h2> <p><a href="https://wallethacks.com/free-airport-wi-fi/">How to Get Free Airport Wi-Fi and In-Flight Wi-Fi</a> &mdash; There are ways to get free Wi-Fi at the airport and on your flight if you prepare ahead of time. [Wallet Hacks]</p> <p><a href="http://shopperstrategy.com/2017/08/08/how-to-get-a-more-organized-closet-in-just-15-minutes-a-day/">How to Get a More Organized Closet in Just 15 Minutes a Day</a> &mdash; Attach Command hooks to closet doors and walls to hang loose items like ties, belts, and jewelry. [Shopper Strategy]</p> <p><a href="http://www.positivityblog.com/how-to-stop-overthinking/">How to Stop Overthinking Everything: 12 Simple Habits</a> &mdash; Set short time limits when you need to make a decision that doesn't already have a deadline.&nbsp; [The Positivity Blog]</p> <p><a href="https://www.iwillteachyoutoberich.com/blog/expert-advice/">You are who you grab coffee with</a> &mdash; 3 steps to get expert advice on any topic &mdash; Learn how to connect with an expert who will give you the guidance you need to achieve your goals. [I Will Teach You To Be Rich]</p> <p><a href="http://www.pfadvice.com/2017/08/08/five-tips-to-save-on-your-first-apartment/">Five Tips to Save on Your First Apartment</a> &mdash; A well- stocked pantry means you'll have all the basics for home-cooked meals. [Personal Finance Advice]</p> <h2>Other Essential Reading</h2> <p><a href="http://yourmoneyyourfreedom.com/budgeting-facts/">6 Lies About Budgeting Keeping You From Success</a> &mdash; Don't put off creating a budget because of these lies! [FreeUp]</p> <p><a href="https://www.dumblittleman.com/best-investment-ideas">4 Investment Tips to Protect Your Future</a> &mdash; Even if you have money coming in from your investments, it's important to work on paying off your debt so you don't end up spending more than you're earning. [Dumb Little Man]</p> <p><a href="https://lifehacks.io/time-management-tips/">20 Simple Time Management Tips to Make More for Less Time</a> &mdash; Calculate how much time you spend on travel and put that on your calendar when you need to be somewhere at a certain time. [LifeHacks]</p> <p><a href="https://www.popsugar.com/smart-living/Cheap-Things-Do-Fall-43857230">&nbsp;100 Cheap or Free Things to Do This Fall</a> &mdash; Get ready for winter by knitting a scarf in the fall! [PopSugar Smart Living]</p> <p><a href="http://www.northerncheapskate.com/ways-to-make-sure-your-plumbing-continues-to-function-properly/">Ways to Make Sure Your Plumbing Continues to Function Properly</a> &mdash; To avoid sediment buildup in your water heater, remove about a gallon of water every few months. [Northern Cheapskate]</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-free-wi-fi-at-the-airport">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-slash-the-cost-of-wi-fi-when-you-travel">6 Ways to Slash the Cost of Wi-Fi When You Travel</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/no-signal-5-quick-ways-to-boost-your-cell-phone-reception-updated">No Signal? 6 Ways to Boost Your Cell Phone Reception</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-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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-earn-extra-income-with-a-drone">How to Earn Extra Income With a Drone</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/what-to-do-if-you-dont-have-your-id-at-the-airport">What to Do If You Don&#039;t Have Your ID at the Airport</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Technology airport best money tips wi-fi Fri, 11 Aug 2017 08:00:06 +0000 Amy Lu 2000989 at http://www.wisebread.com 10 Jobs That Robots Can't Do, Yet http://www.wisebread.com/10-jobs-that-robots-cant-do-yet <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-jobs-that-robots-cant-do-yet" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/old_classic_tin_robot.jpg" alt="Old classic tin robot" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You may have seen movies like <em>iRobot</em>,<em> Blade Runner</em>, and even <em>Star Wars</em>, and wondered if the future of employment looks bleak for humans. Indeed, it seems every day news stories cover the progress being made in artificial intelligence, and how more factory jobs continue to be taken by robotic workers.</p> <p>But does this mean that every job will eventually be done by a robot? Well, not likely. And the following jobs are safe for the foreseeable future.</p> <h2>1. Any kind of mental therapist</h2> <p>From psychology and psychiatry, to occupational therapy and even some aspects of social work, there is one huge reason why robots cannot do these jobs right now: They're not human.</p> <p>In any kind of therapy session, you need to feel heard and understood. You need a connection with the therapist to make any kind of progress, knowing that he or she is empathetic to your issues and genuinely wants to help. And that word &mdash; genuine &mdash; is at the heart of the problem for robots. Even if they can mimic a human's responses accurately and provide excellent advice, it will always feel programmed and unnatural. Pouring your heart out to a machine will never feel the same as conversing with a human, and that will make it almost impossible for robots to replace this role.</p> <h2>2. Investigative journalists</h2> <p>While it's true that some aspects of journalism are being automated, the kind of work that Woodward and Bernstein did on Watergate is unlikely to be replaced by robots any time soon. Even with great advances in artificial intelligence, robots still don't have that sense of intrigue that humans have.</p> <p>Humans are naturally curious, and when it comes to journalism, people look for things that aren't quite right. They question, probe, dig, and make connections that robots could not do without human intervention. Not only that, but the charm and personality of journalists opens doors, gets people talking, and brings facts out into the open. How many witnesses or informants will open up to a robot in a bar over a pint of beer?</p> <h2>3. Physicians and surgeons</h2> <p>Let's face it; if you found out you were going under the knife tomorrow, how happy would you be to know a robot was performing the procedure without any kind of human involvement?</p> <p>While advances in medical science have brought robots into the operating room, they are not yet at a stage of complete autonomy. They are there to help surgeons, and facilitate in complex and arduous tasks. Sometimes a surgeon can even use one remotely to operate on a patient in a different state (or even country).</p> <p>However, while robots can be painstakingly accurate, they are not yet sophisticated enough to replace surgeons and doctors. If anything were to go wrong during the operation, a robot may not be programmed with the correct response to fix it. A surgeon relies on hundreds of hours of experience, and will often have to think laterally to solve a problem. Sometimes, a surgeon will even follow a gut reactions based on countless other surgeries.</p> <p>Yes, a robot can make precise cuts, and administer medications exactly, but robots cannot replace the human touch that comes from a physician or surgeon. And let's not even go into the kind of malpractice that could result from a defective robot that did not have human oversight.</p> <h2>4. Authors</h2> <p>If you were a publisher looking to hire someone to write a novel for you, would you choose the talents of Stephen King, J.K. Rowling, or perhaps Neil Gaiman? Or would you instead bank on the inventiveness of a robot with AI?</p> <p>Very few people would choose the latter these days. But robot-written books are improving in quality. A short novel co-written by a robot (its co-author is human) made it past the first stage in a Japanese literary contest in 2016, in which the judges did not know which novels were written by humans and which by machines.</p> <p>For now, though, robots are limited to farming data and churning out perfect sentence structures and grammatically-correct paragraphs. None can touch the level of creativity that's required for plot and character development. That comes from the human mind, and probably will for a very long time.</p> <h2>5. Advertising creatives</h2> <p>The ad world was rocked last year by the introduction of &quot;<a href="http://www.adweek.com/agencyspy/mccann-japan-finally-hires-a-robot-as-creative-director/105466" target="_blank">robotic creative directors</a>.&quot; As a creative director myself, the news was initially a hammer blow; until I read what it can do, and how it does it.</p> <p>This &quot;creative director&quot; is really nothing more than an editing assistant that offers solutions based on millions of ads that are available for viewing, coupled with data on current consumers. But the robot cannot (at the moment anyway) come up with a brilliant, innovative ad to capture the imagination and sell a lot of products. That is very much a human endeavor; to create comedy, intrigue, and a &quot;need&quot; out of thin air. AI may help creatives to crack certain problems, but robots will not be taking over the advertising world just yet.</p> <h2>6. Teachers</h2> <p>Certain aspects of the teaching profession can be automated. You just have to look online to see the many thousands of options you have for education courses that are offered without any kind of human involvement.</p> <p>But raising children into responsible, well-educated adults is about much more than rote learning. There needs to be an understanding that goes well beyond facts and figures. Teachers have to deal with emotional issues, and respond to interesting and unusual questions in a &quot;human&quot; way. Despite what you may see in sci-fi movies, teachers are not yet going to be replaced by robots.</p> <h2>7. Film and television directors</h2> <p>Like authors, advertising creatives, and other similar professions, film and television direction is a skill that requires a great deal of innovation and lateral thinking. Directors have a vision of what they want to put on the screen, and that vision is uniquely human.</p> <p>Robots can assist with editing the movie, finding the best angles for shots, and even suggest script changes and lighting techniques. But for the time being, robots will never take the place of talents like Spielberg, Scorsese, and Nolan.</p> <h2>8. Archaeologists</h2> <p>Indiana Jones and Lara Croft can expect long and fruitful careers. Well, those may be fictional examples of the archaeology professions, but even so, the job is safe.</p> <p>Much of what an archaeologist does is theorizing. Basically, they look at fragments of evidence and piece together concepts and solutions that, to the best of their knowledge, make sense based on the information in front of them. But most of the time, it's intelligent guesswork. This kind of thinking is not something in which robots excel. They can come up with solutions to complex problems in nanoseconds, but ask them to &quot;have a guess&quot; and it's a different story.</p> <h2>9. Detectives</h2> <p>Certain aspects of policing and the law could one day be replaced by robots or computers, especially as artificial intelligence becomes even more sophisticated. However, the detective that works in homicide, missing persons, burglary, organized crime, and many other areas of the industry, has a long time before they need to worry.</p> <p>Aside from the fact that a human element is needed to make links between seemingly random pieces of information (often called &quot;a hunch&quot;), it would be nearly impossible for a robot to go to the places a detective must go to find clues, investigate witnesses, and dig up leads. And when it comes to undercover work, that's even more impossible. Yes, there are robot cops around right now in some countries, but they are really just souped-up information agents. They don't solve crimes.</p> <h2>10. Actors and entertainers</h2> <p>Several people have speculated that actors, singers, dancers, comedians, and other entertainers are one day going to be replaced. True, Peter Cushing died in 1994, and was digitally recreated with convincing effects in 2016's <em>Rogue One</em>. And as technology improves, so will these animated stars.</p> <p>However, the emotion and physicality that comes from a truly gifted entertainer is going to be impossible to generate for a long, long time. Performances can be mimicked, but real authenticity and sentiment is not something that comes easy for a robot. Our entertainers will be human for many decades to come.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F10-jobs-that-robots-cant-do-yet&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520Jobs%2520That%2520Robots%2520Cant%2520Do%252C%2520Yet.jpg&amp;description=10%20Jobs%20That%20Robots%20Cant%20Do%2C%20Yet"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/10%20Jobs%20That%20Robots%20Cant%20Do%2C%20Yet.jpg" alt="10 Jobs That Robots Can't Do, Yet" width="250" height="374" /></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-jobs-that-robots-cant-do-yet">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/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-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/20-ways-amazons-alexa-can-make-your-life-easier">20 Ways Amazon&#039;s Alexa Can Make Your Life Easier</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-ways-to-transition-to-a-new-career-after-30">6 Ways to Transition to a New Career After 30</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/when-to-splurge-resume-writer">When to Splurge: Resume Writer</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-ways-to-use-technology-to-upgrade-your-career">6 Ways to Use Technology to Upgrade Your Career</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Technology AI artificial intelligence career fields employment human workers jobs robots Mon, 24 Jul 2017 09:00:11 +0000 Paul Michael 1988260 at http://www.wisebread.com How to Keep Social Media From Ruining Your Vacation http://www.wisebread.com/how-to-keep-social-media-from-ruining-your-vacation <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-keep-social-media-from-ruining-your-vacation" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/young_black_woman_taking_a_selfie_at_beach.jpg" alt="Young black woman taking a selfie at beach" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's fun to make your social media followers envious of your vacation plans and post the perfect beach selfie; we've all done that a time or two. On the other hand, spending too much time documenting your adventures on different social platforms can easily negate that fun in the sun. According to a recent survey conducted by Wyndham Vacation Rentals, 49 percent of vacationers said that social media has negatively impacted their travels.</p> <p>Why? For starters, social media keeps us from being present in the moment. It may keep us from fully experiencing our surroundings, or talking with new people. What's more, on-location status updates, photos, and videos leave us vulnerable to home robberies while we're away.</p> <p>Log off and remember what actually enjoying yourself feels like with these tips on how to keep social media from ruining your vacay.</p> <h2>Never use the check-in or location tagging features</h2> <p>When you're on a glorious trip, the first thing you want to do is tell everybody on social media about it. Fair enough. But by allowing your device's geolocation technology to pinpoint wherever you are around the world, you could be giving the common criminals with whom you're connected the intel they need to rob you blind. Some &quot;friends,&quot; eh?</p> <p>&quot;You might as well put a sign in your front yard stating, 'This house is empty for seven days,'&quot; says Justin Lavelle, chief communications director of BeenVerified.com, an online background check platform. &quot;Even though you may make your profiles private, you can't be sure of your entire network, your friends, or your friends' friends.&quot;</p> <p>Lavelle recommends waiting to post pictures until after you're back from your trip. Yeah, I know, this sort of takes all the fun out of rubbing your ocean-view suite in everybody's faces, but at least you won't come home to an empty house, right?</p> <h2>Limit your selfies</h2> <p>Just as geotagging can alert evildoers that your joint is ripe for the pickin', selfies taken far from home also send a message to thieves that you're &quot;not in Kansas anymore.&quot; So just wait until you've resumed your rightful place as protector of your castle to share your pearly whites and the fantastic places you've been.</p> <p>&quot;If you do plan to use social media to share your vacation, then you might want to consider using a housesitter so that your home appears to be lived in,&quot; Lavelle suggests. &quot;This will alleviate would-be thieves from having an uninterrupted week to plan their attack on your property.&quot; (See also: <a href="http://www.wisebread.com/10-things-to-stop-doing-on-social-media-by-30?ref=seealso" target="_blank">10 Things to Stop Doing on Social Media by 30</a>)</p> <h2>Find alternative ways to connect so you're not using a ton of data</h2> <p>I took a trip to Canada a couple years ago and I was online for about five minutes after crossing the border. The cost? About $30 additional on my monthly bill for roaming data charges. You can avoid these charges by turning off your roaming and staying off social media while the financial burden is yours.</p> <p>&quot;Using media-rich social networks like Facebook or Instagram, and video-chat type communication like Snapchat, while not connected to Wi-Fi, can use a lot of additional data, which can increase plan costs or leave a customer stranded with no data on their trip,&quot; says M. Curtis McCoy, president of Best Cellular. &quot;Make it a priority to connect to your hotel Wi-Fi or free Wi-Fi at restaurants and even gas stations before using these high consumption apps.&quot;</p> <p>It's also a good idea to call your provider to discuss data fees and restrictions before you leave so you're not blindsided by a costly bill when you return. (See also: <a href="http://www.wisebread.com/15-ways-to-prevent-your-smartphone-from-wasting-data?ref=seealso" target="_blank">15 Ways to Prevent Your Smartphone From Wasting Data</a>)</p> <h2>Set a limit on your social media access each day</h2> <p>You owe it to yourself to relax on vacation, so do that. If you really want to check social media while you're away, set a schedule to log on for 15 to 30 minutes in the morning and at bedtime, and stick to it. If there's an emergency, the people who need to get hold of you will get hold of you. Otherwise, sharing cute cat videos and bookmarking recipes can wait until you're back at your desk.</p> <h2>Confiscate your children's connected devices</h2> <p>If your kids want to read or watch movies on their devices while on vacation &mdash; sure, let them. That's what getting away and unwinding is all about. But do they really need access to social media? Take away those devices altogether, or delete the social media apps from their devices while you're on vacation. They're probably gonna whine that they miss their friends, but you're on vacation to spend time together and experience new things going on around you.</p> <p>It might be an uphill battle, but putting your foot down at the beginning of the trip to inform the kids that this will be a social-media-free getaway could be the best decision you make all week. You'll spend quality time together, but most importantly, they'll have fond memories of the vacation for which they'll thank you later.</p> <h2>Avoid offending your international hosts with insensitive posts</h2> <p>It should go without saying that you need to be conscious and careful of what you post on social media while on vacation, especially in foreign countries. Laws vary widely around the world, and what you think of as innocuous could very well land you in a foreign jail.</p> <p>McCoy recommends, when in doubt, check with locals before posting images of religious or historical landmarks. &quot;Your innocent selfie could be a huge offense against their religious practices, traditions, or beliefs,&quot; he says.</p> <p>Furthermore, travelers should not take or share pictures of military or government personnel in certain countries. Always ask first, or just decide that you can totally live without that photo or video. I'd recommend the latter.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-keep-social-media-from-ruining-your-vacation&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Keep%2520Social%2520Media%2520From%2520Ruining%2520Your%2520Vacation.jpg&amp;description=How%20to%20Keep%20Social%20Media%20From%20Ruining%20Your%20Vacation"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Keep%20Social%20Media%20From%20Ruining%20Your%20Vacation.jpg" alt="How to Keep Social Media From Ruining Your Vacation" width="250" height="374" /></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/how-to-keep-social-media-from-ruining-your-vacation">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-4"> <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/8-ways-to-save-on-smartphone-costs-while-traveling">8 Ways to Save on Smartphone Costs While Traveling</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-well-do-you-know-your-facebook-friends-precautions-for-travelers">How Well Do You Know Your Facebook Friends? Precautions for Travelers</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-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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-affordable-destinations-for-people-who-love-to-fish">8 Affordable Destinations for People Who Love to Fish</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-live-the-location-independent-lifestyle">How to Live the &quot;Location Independent&quot; Lifestyle</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Technology Travel off the grid selfies social media technology hacks travel tips vacation hacks vacation selfie Fri, 21 Jul 2017 08:31:11 +0000 Mikey Rox 1988461 at http://www.wisebread.com Best Money Tips: Easy Ways to Beat Smartphone Addiction http://www.wisebread.com/best-money-tips-easy-ways-to-beat-smartphone-addiction <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-easy-ways-to-beat-smartphone-addiction" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_happy_phone_544096764.jpg" alt="Woman trying to beat her smartphone addiction" 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 ways to overcome smartphone addiction, financial advice that you should ignore, and small ways to recharge this summer.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.airbetter.org/keep-indoor-air-fresh-pets/">15 Easy Ways to Overcome Smartphone Addiction</a> &mdash; Avoid keeping your phone near your workstation while you are studying or working. [easyWays]</p> <p><a href="http://everythingfinanceblog.com/20847/financial-advice-you-shouldnt-listen-to.html">3 Pieces of Financial Advice You Shouldn&rsquo;t Listen To</a> &mdash; Certain types of debt are not inherently good or bad. &quot;Good&quot; debt is only good if it can help you reach your goals. [Everything Finance]</p> <p><a href="https://www.popsugar.com/smart-living/Quick-Ways-Feel-Better-Summer-43623886">Small Ways to Recharge This Summer Without Going on Vacation</a> &mdash; Zone out for 15 minutes with a leave-on sheet mask. One with cooling benefits is especially refreshing! [PopSugar Smart Living]</p> <p><a href="https://www.getorganizedwizard.com/blog/2017/07/7-roadblocks-getting-organized-anxiety/">7 Roadblocks To Getting Organized When You Have Anxiety</a> &mdash; Organization is hard for most people, and anxiety just adds another layer to the difficulty. Follow these steps to overcome common organization problems! [Get Organized Wizard]</p> <p><a href="http://www.kiplinger.com/article/insurance/T028-C000-S002-how-to-get-your-insurer-to-pay-your-claims.html">How to Get Your Insurer to Pay Your Claims</a> &mdash; Here's what you need to know to avoid hassles and get a fair payment for a homeowner's or auto insurance claim. [Kiplinger]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.thesimpledollar.com/how-to-make-money-as-a-pet-sitter-or-house-sitter-this-summer/">How to Make Money as a Pet Sitter or House Sitter This Summer</a> &mdash; Get the ball rolling by setting up a profile at a site like Rover.com or Care.com. [The Simple Dollar]</p> <p><a href="http://www.artofmanliness.com/2017/07/19/care-maintain-lawn-mower/">How to Care For and Maintain Your Lawn Mower</a> &mdash; Learn how to care for your lawn mower to keep it working effectively and extend its life span. [The Art of Manliness]</p> <p><a href="https://zenhabits.net/larning/">The 4 Keys to Learning Anything</a> &mdash; Relish the uncertainty that comes with learning something new. [zen habits]</p> <p><a href="http://www.airbetter.org/keep-indoor-air-fresh-pets/">How To Keep Your Indoor Air Fresh With Pets</a> &mdash; If you are puppy training or your pet has an accident in the house, use an enzyme cleaner to break down the particles in the mess and make it easier to clean. [AirBetter.org]</p> <p><a href="http://creativemoney.biz/create-change/">5 Reasons It&rsquo;s Okay to Suck At Money When You Start</a> &mdash; When you're trying to make a change, it's normal to mess up along the way. Don't be critical of your mistakes &mdash; be curious. [Creative Money]</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-easy-ways-to-beat-smartphone-addiction">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/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-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-ways-to-prevent-your-smartphone-from-wasting-data">15 Ways to Prevent Your Smartphone From Wasting Data</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-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</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/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> Technology best money tips smartphone Thu, 20 Jul 2017 08:30:10 +0000 Amy Lu 1987693 at http://www.wisebread.com 6 Big Ways ATMs Are Changing http://www.wisebread.com/6-big-ways-atms-are-changing <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-big-ways-atms-are-changing" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_at_the_atm.jpg" alt="Woman at the ATM" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Now that you can pay with <a href="http://www.wisebread.com/bots-chips-and-selfies-how-safe-are-the-new-ways-to-pay" target="_blank">Facebook Messenger and selfies</a>, it seems that you no longer have reason to ever visit your bank's ATM again. In an effort to entice consumers back to the ATM, financial institutions are making serious investments to upgrade cash dispensers in big ways. Here's what you can soon expect coming to an ATM near you.</p> <h2>1. Deposit checks without an envelope</h2> <p>There was a time when payday meant a mad rush to the nearest ATM to deposit a check so it would clear on time to make your payments. Back then, you had to properly insert your check in an envelope and fill out a deposit slip. Nowadays, more and more banks are offering no-envelope ATMs with insertion slots for checks. Equipped with modern scan technology, these new ATMs can accommodate a stack of several checks and provide instant proof of your deposit with a printout of your check on a printed receipt.</p> <h2>2. Get cash using your smartphone</h2> <p>Using the smartphone app from your bank, you may be able to get &quot;cardless cash&quot; from select ATMs. Here's how it works: Open the app, set up a pre-staged withdrawal to create a QR code, and scan that code at participating ATMs to collect your cash. Some bank apps generate a code instead of a QR code and you punch in that code at the ATM.</p> <p>Besides saving you time, cardless cash also keeps your ATM card safe from illegally-installed skimming devices. Since your card isn't read, there's no way for somebody to get a hold of your card's number, expiration date, or security code. (See also: <a href="http://www.wisebread.com/credit-card-fraud-and-how-to-avoid-it?ref=seealso" target="_blank">Credit Card Fraud and How to Avoid It</a>)</p> <h2>3. Interact with an eATM &mdash; not an ATM</h2> <p>In a bigger push to further integrate their ATMs with smartphone apps, banks are working to redesign their cash dispensers to have the look and feel of a giant tablet. The objective is that the ATM screen looks and feels like a natural extension of your bank's smartphone app, turning the ATM into an eATM.</p> <p>Some banks are currently experimenting with the near field wireless communication feature in smartphones so that customers won't need a code or QR code to get cash in the future. Imagine just holding your smartphone up to the ATM and getting instant cash. Another feature that some banks are experimenting with is the ability to allow videoconferencing with bankers, effectively expanding the range of services that customers can receive at an eATM.</p> <h2>4. Withdraw larger amounts without talking to a bank teller</h2> <p>One reason why fewer people were visiting ATMs was that they often couldn't take out enough cash to cover a major expense, such as rent or a car loan payment. Many banks took notice of this through customer feedback and are now allowing customers to withdraw larger amounts than the regular limits. For example, one bank in New York City is letting its customers withdraw up to $3,000 at ATMs located in bank branches and during branch hours. That's three times what most banks in NYC allow, and six times the regular limit in other cities.</p> <h2>5. Withdraw custom amounts</h2> <p>ATMs typically only pay out in $20 bills. But sometimes, you just need $16 to pay a friend or don't even have $20 in your account until the next paycheck comes around. In the near future, more ATMs will give customers a break and let them customize their withdrawals entirely. (See also: <a href="http://www.wisebread.com/5-sales-strategies-your-bank-uses-to-make-money?ref=seealso" target="_blank">5 Sales Strategies Your Bank Uses to Make Money</a>)</p> <h2>6. Recycle cash deposits</h2> <p>Few things are as frustrating as standing in line for 20 minutes to withdraw cash to pay a bill that is due in a few hours, only to find out that the ATM is out of bills! Many banks are looking at ways to recycle cash deposits to minimize the possibility of the machine running out of bills. This feature is critical for banks promising their clients that they can customize their withdrawals.</p> <p>As the ATM gets a much needed upgrade and leverages features from your smartphone, keep an eye on upcoming changes to your bank's ATMs that can help you streamline your finances &mdash; and make sure not to lose your smartphone!</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-big-ways-atms-are-changing&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Big%2520Ways%2520ATMs%2520Are%2520Changing.jpg&amp;description=6%20Big%20Ways%20ATMs%20Are%20Changing"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/6%20Big%20Ways%20ATMs%20Are%20Changing.jpg" alt="6 Big Ways ATMs Are Changing" width="250" height="374" /></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/6-big-ways-atms-are-changing">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/8-ways-to-make-sure-you-never-pay-an-atm-fee">8 Ways to Make Sure You Never Pay an ATM Fee</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-countries-where-banks-pay-crazy-interest-rates">10 Countries Where Banks Pay Crazy Interest Rates</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/10-reasons-why-bank-vaults-are-much-more-interesting-than-you-thought">10 Reasons Why Bank Vaults Are Much More Interesting Than You Thought</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-free-debt-management-tools">6 Free Debt Management Tools</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-things-you-should-know-about-joint-checking-accounts">6 Things You Should Know About Joint Checking Accounts</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Banking Technology ATM automatic teller cash dispensers cash machines deposits money withdrawals Mon, 17 Jul 2017 08:30:16 +0000 Damian Davila 1982853 at http://www.wisebread.com How to Earn Extra Income With a Drone http://www.wisebread.com/how-to-earn-extra-income-with-a-drone <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-a-drone" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_operating_of_flying_drone_quadrocopter_at_sunset.jpg" alt="Man operating of flying drone quadrocopter at sunset" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I'm a hustler. Not the kind who'll pretend to be terrible at billiards and then run the table and take your money 20 minutes later. I'm too fragile-framed for that gig. Rather, I keep things moving in my life to make as much dough as possible by working smarter. That means monetizing many of the material possessions I have, like micro-subletting my homes on vacation sites, using my car to drive for Lyft and Uber, and renting out my bikes and kayaks, among other lucrative opportunities.</p> <p>I don't have a drone (yet), but if I did &mdash; well, this is how I'd make that little spy copter pay for itself over and over again.</p> <h2>1. Capture contractors' finished projects</h2> <p>Contractors are always seeking ways to get ahead of the competition and put their names in front of more potential clients. Nathan Outlaw, CEO of engineering and construction firm Onvico, says he works with plenty of contractors who use drones to capture the progress of their ongoing projects, as well as the finished products.</p> <p>&quot;New construction is a great opportunity to make money with a drone,&quot; he says. &quot;Get the names of the customer's construction coordinator and the contractor's project manager and call or send an email off explaining your services and how you can assist them in showcasing the project.&quot; Outlaw suggests emphasizing how drone photographs can be used to reassure their existing clients and advertise for new ones.</p> <h2>2. Help realtors market their listings</h2> <p>I invest in real estate, so I get to see some of the innovative marketing tactics realtors are using to attract potential buyers on a regular basis. By far, the most impressive is a virtual tour of the home captured by drone. It's usually available right on the digital listing. It opens right up, and you can give yourself a &quot;tour&quot; of the home without ever leaving your chair. This is especially helpful for folks who can't necessarily attend an open house, like those searching for a home in another state. You can find the names and contact info of plenty of realtors in your area to whom you can pitch your services just by riding around town looking for &quot;For Sale&quot; signs.</p> <p>&quot;Getting a short bird's-eye view of the property makes for a much easier sale and is becoming ever more popular with realtors,&quot; says David Attard, a tech writer and drone expert at DronesBuy.net. &quot;This is a good opportunity because demand is growing and does not need specialized equipment. A DJI Phantom or Mavic is excellent for such a job.&quot; (DJI is a popular drone manufacturer.)</p> <h2>3. Offer your services to local tourism organizations</h2> <p>Tourism boards are always trying to attract new and repeat visitors, and the best way to do that is to show them what they're missing out on. There's no better way to do that than with a drone. These tourism orgs also usually have healthy advertising budgets, so don't be shy or sell yourself short to get in the door.</p> <h2>4. Provide high-quality memories from weddings</h2> <p>Kids these days are hiring drones to capture fun memories from their weddings and parties from angles that are quite impressive when you're reliving the experience at home. Plus, drones are an instant icebreaker for mingling guests who don't know each other. You can find out who's getting hitched by browsing the engagement announcements in the local paper.</p> <p>Adds Attard, &quot;Besides weddings, such events as boat races, surfing or other board competitions, or other sea/water based events, festivals and other mass gatherings are all excellent opportunities for filming with drones because of the wide area involved which can be easily covered with a drone.&quot; (See also: <a href="http://www.wisebread.com/earn-extra-income-with-your-smartphone-camera?ref=seealso" target="_blank">Earn Extra Income With Your Smartphone Camera</a>)</p> <h2>5. Sell aerial footage to busy commercial properties</h2> <p>Large expanses of land, especially those loaded with amenities and sporting opportunities, are perfect candidates for drone video. Identify these properties in your area &mdash; golf courses, beach clubs, and hunting reserves &mdash; and reach out to the manager or the marketing team if there is one.</p> <p>&quot;Talk to hunting reserves and plantations about showcasing their land and showing off acres of dense trees, birds caught taking flight, and deer running across a field,&quot; Outlaw suggests. &quot;Show them how your product can attract people to their woods.&quot;</p> <p>It's best to do this kind of work during the offseason when employees have more time to coordinate your services and are actively thinking of ways to market their properties.</p> <h2>6. Assist musicians in making music videos</h2> <p>Local bands without big budgets are often on the lookout for someone who can help them make music videos. Drones provide excellent opportunities to get into this type of work. Same goes for low-budget productions of TV shows, movies, and other video-based entertainment.</p> <p>A lot of times these productions already have crews assembled, but you won't know until you introduce yourself and present a portfolio of your drone-flying skills and the videos you've made. The earning potential will vary depending on where you live and how frequently productions film in that area, but you could see a substantial payday if you play your cards right near major cities.</p> <h2>7. Inspect roofs for homeowners</h2> <p>If there's anything wrong with a homeowner's roof, chances are they need to break out the long ladder and climb on up there. Not only does that present a certain amount of danger, but a lot of people are uncomfortable with heights.</p> <p>Marcion Albert, chief editor of NewAwning.com, says drones can solve the problem by taking video showing the condition of the roof. &quot;All sides of the roof are easily accessible with the drone, which isn't the case for a traditional inspection,&quot; he says.</p> <p>What's more, drone photography can protect tile roofs that can get damaged when someone walks on them. &quot;The drone videographer also has the ability to zoom in on each shingle or tile. This is fantastic for documenting any damages to an insurance company, or if you are selling an older home to demonstrate there are no issues with the roof.&quot;</p> <h2>8. Review solar panels for damage</h2> <p>The number of homes with solar panels is rapidly increasing, and many vendors offer warranties if a panel is defective.</p> <p>&quot;The issue is that the homeowner may not know if it is a cracked panel, a loose wire, or simply debris that is blown over the panel without getting on the roof or calling a contractor,&quot; says Albert. &quot;A drone pilot can easily take detailed, high-resolution pictures of the panels and their connections so that the homeowner has proof before reaching out to a solar company.&quot; (See also: <a href="http://www.wisebread.com/10-ways-anyone-can-go-solar-and-save-on-energy?ref=seealso" target="_blank">10 Ways Anyone Can Go Solar and Save on Energy</a>)</p> <h2>Before you get started</h2> <p>There are rules for just about everything, including earning money with drones.</p> <p>According to Geoff Gelay, owner of RCHeliCam and a pioneer in the drone industry, in order to become a legal commercial operator, you'll need to register your drone with the Federal Aviation Administration and pass an FAA Part 107 test. &quot;The FAA Part 107 is a test that covers basic aviation, some general aviation rules (full-scale aircraft) and some UAS (Unmanned Aerial System) specific material,&quot; explains Gelay. &quot;It is also a very good idea to have at least liability insurance covering yourself/your company in the case of an accident.&quot;</p> <p>Obey the law, and make that money!</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-earn-extra-income-with-a-drone&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Earn%2520Extra%2520Income%2520With%2520a%2520Drone.jpg&amp;description=How%20to%20Earn%20Extra%20Income%20With%20a%20Drone"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Earn%20Extra%20Income%20With%20a%20Drone.jpg" alt="How to Earn Extra Income With a Drone" width="250" height="374" /></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/how-to-earn-extra-income-with-a-drone">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-4"> <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-surprising-ways-to-earn-money-online">7 Surprising Ways to Earn Money Online</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/4-ways-to-make-money-doing-household-chores">4 Ways to Make Money Doing Household Chores</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-make-800-on-month-on-ebay-selling-used-clothes">How I Make $800 on Month on eBay Selling Used Clothes</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/7-ways-to-earn-extra-money-with-your-car">7 Ways to Earn Extra Money With Your Car</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Technology drone drones make money side gig side hustle tech gadgets tech toys Tue, 11 Jul 2017 08:30:12 +0000 Mikey Rox 1981388 at http://www.wisebread.com The 5 Best Waterproof Phone Cases http://www.wisebread.com/the-5-best-waterproof-phone-cases <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-waterproof-phone-cases" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man_phone_underwater_547037652.jpg" alt="Man using best waterproof phone cases" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Smartphones are an expensive investment that most of us are completely reliant on. That&rsquo;s why spills and accidental exposure to liquids can be so devastating. Fortunately, waterproof phone cases and dry bags can protect your phone from unexpected water damage. Some cases can even be submerged in water, so you can take underwater photos and videos with ease.</p> <h2>What is a waterproof phone case?</h2> <p>A waterproof phone case can protect your phone when it's exposed to moisture. It can save your phone, in the event of rain, snow, or an underwater adventure. It&rsquo;s also ideal for traveling or camping because along with protecting your phone, certain underwater cases can also be used to protect your cash, credit cards, keys, ID, and important documents.</p> <p>You never know when your phone might take a dive in the toilet or fall into the nearest puddle, so it&rsquo;s important to protect your phone now and prevent devastating damage in the future. Most of the phone cases below are available in a range of sizes, so you can find the perfect one for your phone. (See also: <a href="http://www.wisebread.com/the-5-best-iphone-6-covers?ref=seealso" target="_blank">The 5 Best iPhone 6 Covers</a>)</p> <h2>Top 5 waterproof phone cases</h2> <h3>Lifeproof Waterproof Case for iPhone 6/6s</h3> <p><a href="http://amzn.to/2uEvIGD" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/lifeproof.jpg" width="145" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2uEvIGD" target="_blank">Lifeproof Waterproof Case for iPhone 6/6s</a> is the ultimate phone case. It features a slim, sleek design, 360-degree protection, built-in touch-screen protection, and maximum sound output and clarity. It can survive drops from six feet and can be submerged up to six feet underwater for up to one hour. It also resists dust, shock, snow, ice, dirt, and water. You&rsquo;ll still have full access to the ports, controls, buttons, and touch ID, so you can take perfect pictures, even underwater.</p> <p>This is available in a wide range of colors. It is an Amazon best-seller and has more than 2,000 five-star reviews on Amazon. It is also recommended by Business Insider, Digital Trends, Mashable, The Wirecutter, Heavy.com, and MacWorld.</p> <p><a href="http://amzn.to/2uEvIGD" target="_blank"><em>Currently $36.59 on Amazon</em></a></p> <h3>Universal Waterproof Case by JOTO</h3> <p><a href="http://amzn.to/2ujQnR0" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/joto.jpg" width="137" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2ujQnR0" target="_blank">JOTO Cellphone Dry Bag Pouch Waterproof Case</a> is compatible with all smartphones that are up to 6.0 inches in diagonal. Thanks to a secure snap and lock access system, it is IPX8 certified to 100 feet, scratch-resistant, waterproof, snowproof, dirtproof, dustproof, and sand-proof. It features transparent windows on both sides, allowing you to take pictures or videos and use any other touch screen functions while underwater.</p> <p>This is available in a wide range of colors and can be conveniently carried or worn around the neck with the included lanyard. It is an Amazon best-seller and has more than a staggering 15,000 five-star reviews on Amazon. It is also recommended by Digital Trends.</p> <p><a href="http://amzn.to/2ujQnR0" target="_blank"><em>Currently $7.29 on Amazon</em></a></p> <h3>Pelican Marine Waterproof Case for iPhone 6/6s</h3> <p><a href="http://amzn.to/2skG7Xu" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/pelican.jpg" width="151" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2skG7Xu" target="_blank">Pelican Marine Waterproof Case for iPhone 6/6s</a> can shield your phone from water, snow, dirt, and dust and can stand up to continuous submersion underwater. The slim five-layer shell is constructed of impact absorbing materials and a scratch-resistant screen protector to protect the phone and screen from scratches and drops. It also features balanced acoustic sound porting for superior audio.</p> <p>This is recommended by Digital Trends and is backed by a two-year warranty.</p> <p><a href="http://amzn.to/2skG7Xu" target="_blank"><em>Currently $49.99 on Amazon</em></a></p> <h3>Vansky Floatable Waterproof Case</h3> <p><a href="http://amzn.to/2ujDc2t" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/vansky.jpg" width="245" height="212" align="right" alt="" /></a>The recently upgraded <a href="http://amzn.to/2ujDc2t" target="_blank">Vansky Floatable Waterproof Case Dry Bag</a> is lightweight, compact, scratch-resistant, and compatible with all phones under 6.3 inches. It&rsquo;s eco-friendly and constructed from premium grade TPU to handle extreme conditions. The durable case is safe from dust, water, rain, snow, and sand. The snap clasp-and-lock seal system ensures full protection, while still allowing access to the home button, touch ID fingerprinting, and password unlock. It also features transparent windows on both sides so you can still take photos or videos and use any other touch screen functions while underwater.</p> <p>This includes a detachable armband strap, adjustable lanyard, and waterproof external audio jack and built-in audio cable. It is recommended by Digital Trends and MacWorld. It is also backed by a 45-day money-back and lifetime guarantee.</p> <p><a href="http://amzn.to/2ujDc2t" target="_blank"><em>Currently $9.50 on Amazon</em></a></p> <h3>Trianium [Tethys Series] Universal Waterproof Case</h3> <p><a href="http://amzn.to/2uEN9XE" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/triranium.jpg" width="194" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2uEN9XE" target="_blank">Trianium [Tethys Series] Universal Waterproof Case</a> works with all phones up to 6.0 inches in diagonal. Thanks to a secure snap-lock system, the pouch can be sealed and is IPX8 certified to 100 feet. It features transparent windows on both sides and is back camera compatible, so you can still take pictures or videos and use all other touch screen functions. The durable universal waterproof case protects against water, dust, dirt, grease, snow, scratches, and bumps.</p> <p>This two-pack is perfect for your family or to give as a gift to a friend or loved one. It is frequently recommended online and has hundreds of five-star reviews on Amazon. It is also backed by a one-year warranty.</p> <p><a href="http://amzn.to/2uEN9XE" target="_blank"><em>Currently $7.99 on Amazon</em></a></p> <p>And those are our recommendations for the best waterproof phone cases. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-waterproof-phone-cases&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Waterproof%2520Phone%2520Cases.jpg&amp;description=The%205%20Best%20Waterproof%20Phone%20Cases"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Waterproof%20Phone%20Cases.jpg" alt="The 5 Best Waterproof Phone Cases" width="250" height="374" /></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-waterproof-phone-cases">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-smart-alarm-clocks">The 5 Best Smart Alarm Clocks</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-usb-powered-fans">The 5 Best USB-Powered Fans</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-electronics-wipes">The 5 Best Electronics Wipes</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-bluetooth-trackers">The 5 Best Bluetooth Trackers</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-selfie-sticks">The 5 Best Selfie Sticks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology 5 best Android iPhone phone cases product reviews shopping waterproof phone cases Wed, 05 Jul 2017 08:00:14 +0000 Andrea Cannon 1977595 at http://www.wisebread.com 5 Ways Being Late on Tech Trends Saves You Money http://www.wisebread.com/5-ways-being-late-on-tech-trends-saves-you-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-ways-being-late-on-tech-trends-saves-you-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/you_have_got_to_meet_me_at_the_sale.jpg" alt="You have got to meet me at the sale!" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Late adopters are not people who hate technology, think trends are evil, and spend their time sitting in candlelit rooms grumbling about the modernization of things that used to matter. Late adopters are a segment of the consumer population who don't feel the need to jump on a new tech or trend as soon as it's available. They wait. They eye before they try. They are also often the last to try, and they save money and get more value out of what they do decide to buy. Here's how you can, too.</p> <h2>1. Skip the newest version</h2> <p>People often think of late adopters in the context of new technology. Late adopters won't be in line for the latest iPhone, or fighting crowds for the newest smart home thermostat. Their willingness to wait means they avoid the premium prices that come with getting the newest thing, now.</p> <p>For example, older versions of the iPhone typically drop in price by $100 when Apple releases the newest version. Late adopters save that $100, at a minimum. Potentially, they can save more by buying a used phone in great condition from someone who can't wait. (See also: <a href="http://www.wisebread.com/5-smart-ways-to-save-on-smartphones?ref=seealso" target="_blank">5 Smart Ways to Save on Smartphones</a>)</p> <h2>2. Save time and data</h2> <p>Late adopters save by avoiding the time and money spent on buying relatively untested tech trends, or gadgets. Tech is a competitive industry; not all that launches will last. Early adopters who sign on for the latest service or product provided by a startup get the thrill of the new. They also get the hassle of the new: keeping up with continual upgrades, dealing with bugs, and having to move (or lose) their data when a service shuts down. (See also: <a href="http://www.wisebread.com/tech-life-8-reasons-why-you-shouldn-t-be-an-early-adopter?ref=seealso" target="_blank">8 Reasons Why You Shouldn't Be an Early Adopter</a>)</p> <h2>3. Avoid premium pricing</h2> <p>The premium pricing concept translates to many industries beyond fashion. If you're set on having the newest designs, as soon as they're released, you'll pay more for it. This &quot;hunger marketing&quot; strategy creates a sense of urgency and scarcity, and many consumers buy into it. Literally.</p> <p>Late adopters avoid price markups by waiting before purchasing. That new fashion trend highlighted on the main display will be in the bargain bin in a few weeks, and the price will drop accordingly. The timeline might be a bit longer, but the same goes for new tech toys.</p> <h2>4. Wait on tech stocks</h2> <p>By waiting, you can benefit financially by avoiding trend-chasing, a common strategy in the stock market. Prices on &quot;trending&quot; stocks increase to a maximum, then fall, sometimes dramatically. If you chase those trends, purchasing as the trend is growing or peaking, you might overpay.</p> <p>Seasonal cycles and holidays in the stock market can favor late adopters, as well. Trading activity, and prices, follow predictable patterns. People who are willing to wait can buy and sell at the best time, rather than taking what they can get right away.</p> <h2>5. Evaluate your true necessities</h2> <p>Turns out, the necessities of life aren't always necessities. If you talk to the sales rep at your nearest baby goods warehouse, you'll get a long list of items that you simply must have. If you talk to a seasoned parent, you'll get a much shorter list: the essentials, and those daily-use items that save a parent's sanity more than a few times.</p> <p>Taking the late adopter approach for a new baby, or for family entertainment, or for your tween's wish list will help you filter it to a shorter, smarter list. Many things seem optimum and exciting when we first hear about them and when our friends all have them. The crystal-clear voice of experience will save you money if you give it enough time.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/5-ways-being-late-on-tech-trends-saves-you-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-4"> <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/frugal-tip-do-not-spend-when-you-are-sad">Frugal Tip: Do Not Spend When You Are Sad</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-ways-to-avoid-buying-electronics-youll-regret">5 Ways to Avoid Buying Electronics You&#039;ll Regret</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-smart-alarm-clocks">The 5 Best Smart Alarm Clocks</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-usb-powered-fans">The 5 Best USB-Powered Fans</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology gadgets saving shopping spending tech Wed, 21 Jun 2017 08:31:12 +0000 Annie Mueller 1969595 at http://www.wisebread.com The 5 Best Smart Alarm Clocks http://www.wisebread.com/the-5-best-smart-alarm-clocks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-smart-alarm-clocks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man _alarm_clock_493442446.jpg" alt="Man using best smart alarm clocks to wake up" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Waking up is hard to do. That&rsquo;s why you need a smart alarm clock to help you sleep better and wake up more refreshed.</p> <h2>What is a smart alarm clock?</h2> <p>A smart alarm clock has features that can improve your wake-up routine. This bedside upgrade can help you get up on the right side of the bed every morning. Each intelligent alarm clock is different, so some will help you fall asleep while others track and promote better sleep cycles. Some even use lighting technology to help gently wake you up.</p> <h2>Top 5 smart alarm clocks</h2> <h3>WITTI BEDDI Smart Radio Alarm Clock</h3> <p><a href="http://amzn.to/2sy86q8" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/witti.jpg" width="245" height="184" align="right" alt="" /></a>The <a href="http://amzn.to/2sy86q8" target="_blank">WITTI BEDDI Smart Radio Alarm Clock Speaker with Smart Home Integration</a> is a fully funded Kickstarter project with more than 20 features. It focuses on waking you up naturally, starting with a large sunrise-simulated wake-up light on the backside that slowly turns on and gradually brightens before your alarm clock sounds. Once the alarm is turned off, an automated voice can tell you the weather forecast and traffic updates. It can also generate white noise (with various sound settings) to help you sleep better.</p> <p>The app-enabled alarm clock and Bluetooth speaker integrates with apps like Uber, Spotify, Nest, and Phillips Hue. It is SmartHome ready, so it can play your favorite music, set your Nest, and even make your coffee. You can customize the three top smart alarm buttons with whichever services you like, so you can easily control smart devices around your home. This will allow you to automate tasks, so you can start your mornings off right and get out the door faster.</p> <p>It comes with two USB charging ports, so you can simultaneously charge your smartphone and tablet. The easy-to-use app-controlled alarm clock has auto time sync and allows you to set up to four different alarms for specific days of the week with your ideal alarm sound or music, alarm volume, and snooze duration. It is highly reviewed and recommended by countless sites like Business Insider, Digital Trends, Maxim, and CNET. The <a href="http://amzn.to/2tjWsf0" target="_blank">WITTI Design BEDDI Style Smart Alarm Clock</a> is another highly recommended option from the trusted brand.</p> <p><a href="http://amzn.to/2sy86q8" target="_blank"><em>Currently $83.99 on Amazon</em></a></p> <h3>Philips Wake-Up Light With Colored Sunrise Simulation</h3> <p><a href="http://amzn.to/2syEdFZ" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/philips_2.jpg" width="212" height="245" align="right" alt="" /></a>If you&rsquo;re OK with spending a bit more on your new smart alarm clock, then you won&rsquo;t find better than the <a href="http://amzn.to/2syEdFZ" target="_blank">Philips Wake-Up Light With Colored Sunrise Simulation</a>. It uses a unique combination of natural light and sound that simulates a real sunrise, which stimulates your body to naturally, gradually wake up. Philips claims that 92% of users agree that it&rsquo;s easier to get out of bed with this, which can improve your mood in the morning and help you wake up more energized.</p> <p>Beginning 20-40 minutes before your chosen wake-up time, the light will come on and get gradually brighter. At your desired wake-up time, the sound will start and increases gradually using five natural sounds or FM radio. With 20 adjustable brightness settings, you can also use it as a convenient reading lamp, which slowly turns off, so you can fall asleep. The bedside light and sound dims to gently guide you to sleep. The display automatically dims itself when the bedroom gets dark and there&rsquo;s an intuitive dimming display for nighttime wake-ups.</p> <p>The sleek, modern design has a large, easy-to-read LED display, nonslip rubber feet, and convenient features like tap-to-snooze. It&rsquo;s cool to the touch, so it&rsquo;s safe for children. It is recommended by Digital Trends and has thousands of five-star reviews on Amazon. If you&rsquo;d prefer a cheaper option with fewer features, consider the <a href="http://amzn.to/2sZG4B0" target="_blank">Philips Wake-Up Light with Sunrise Simulation</a> instead.</p> <p><a href="http://amzn.to/2syEdFZ" target="_blank"><em>Currently $112.09 on Amazon</em></a></p> <h3>Electrohome Projection Alarm Clock</h3> <p><a href="http://amzn.to/2tjCBMX" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/electrohome.jpg" width="245" height="230" align="right" alt="" /></a>Amazon&rsquo;s Choice for smart alarm clocks, the <a href="http://amzn.to/2tjCBMX" target="_blank">Electrohome Projection Alarm Clock</a> displays the indoor temperature, day, and date. It includes pre-programmable daily dual alarm options with weekend cancellation. You can wake up to the radio or an alarm buzzer. You can listen to your favorite music through the AUX input or with the built-in AM/FM radio with 20-station memory. The feature-rich alarm clock has a modern design and large LCD display. It includes an auto dimmer feature and snooze, sleep, and nap functions.</p> <p>It can project the time or temperature on the wall or ceiling. You can tilt it a full 180 degrees so you can clearly see the time, and with adjustable focus, the projected time will always remain crystal clear. The Advanced SelfSet technology automatically displays the correct time and date and restores all alarm settings after power outages.</p> <p>This is an Amazon best-seller and has more than 5,000 five-star reviews on Amazon. The <a href="http://amzn.to/2syX5Vd" target="_blank">Electrohome Alarm Clock Radio</a> are other highly recommended options from the trusted brand.</p> <p><a href="http://amzn.to/2tjCBMX" target="_blank"><em>Currently $29.99 on Amazon</em></a></p> <h3>Emerson SmartSet Alarm Clock Radio</h3> <p><a href="http://amzn.to/2syKAZX" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/emerson.jpg" width="245" height="168" align="right" alt="" /></a>The <a href="http://amzn.to/2syKAZX" target="_blank">Emerson SmartSet Alarm Clock Radio</a> can be programmed to operate on weekdays, weekends, or every day. With award-winning and patented SmartSet technology, the clock radio adjusts itself automatically for Daylight Saving Time and Leap Year, and maintains the correct time and alarm settings after power outages. The dual alarm displays the month and date and the LED display with dimmer control is easy to read in the dark. The digital tuning AM/FM radio also has a 20-station preset memory.</p> <p>This is available in two different colors. It is an Amazon best-seller and comes from the trusted Emerson brand. It also has hundreds of five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2syKAZX" target="_blank"><em>Currently $10.85 on Amazon</em></a></p> <h3>Homtime Multifunction Alarm Clock</h3> <p><a href="http://amzn.to/2rYI2mK" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/multifunction.jpg" width="245" height="198" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in mechanical and windup alarm clocks, the <a href="http://amzn.to/2rYI2mK" target="_blank">Homtime Multifunction Alarm Clock</a> is a basic alarm clock with smart functions. It features an LCD large font display with four brightness levels for easy readability. It has dual USB charging ports and built-in surge protection so you can safely charge your phone and tablet simultaneously. It works with the AC power adapter or batteries, so it retains power and saves settings during outages. The indoor thermostat displays the room temperature on the front panel. It is easy to set with a large sliding wheel. It has a gradual-wake function with snooze options, which can fade your alarm in slowly with chord music.</p> <p>This is available in two colors. It is an Amazon best-seller and has outstanding reviews.</p> <p><a href="http://amzn.to/2rYI2mK" target="_blank"><em>Currently $33.99 on Amazon</em></a></p> <p>And those are our recommendations for the best smart alarm clocks. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">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-smart-alarm-clocks">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-5"> <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-usb-powered-fans">The 5 Best USB-Powered Fans</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-waterproof-phone-cases">The 5 Best Waterproof Phone Cases</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-electronics-wipes">The 5 Best Electronics Wipes</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-bluetooth-trackers">The 5 Best Bluetooth Trackers</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-selfie-sticks">The 5 Best Selfie Sticks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology 5 best alarm alarm clocks product reviews shopping smart alarm clocks snooze Wed, 14 Jun 2017 08:00:25 +0000 Andrea Cannon 1965876 at http://www.wisebread.com 7 Surprising Ways to Earn Money Online http://www.wisebread.com/7-surprising-ways-to-earn-money-online <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-surprising-ways-to-earn-money-online" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/girl_with_a_laptop.jpg" alt="Girl with a laptop" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The internet isn't all about cats with attitude, hashtags on social media, and endless Reddit discussion threads. There are also plenty of ways &mdash; some a bit off the beaten path &mdash; to make money. Here are seven surprising ways you can earn money online.</p> <h2>1. Sell your photos</h2> <p>National Geographic estimated that every American took an average of 322 digital photos in 2015. If you can easily beat that number and have serious <em>photog</em> skills, you should consider uploading your photos to sites that pay you every time somebody wants to download and use your image. Sites such as <a href="https://www.smugmug.com/pro" target="_blank">SmugMug Pro</a>, <a href="https://submit.shutterstock.com/payouts" target="_blank">Shutterstock</a>, <a href="https://www.foap.com" target="_blank">Foap</a>, <a href="http://clashot.com" target="_blank">Clashot</a>, and <a href="https://workwithus.istockphoto.com/en" target="_blank">iStockphoto</a> allow you to submit your digital masterpieces for review or you can apply to become a paid contributor. (See also: <a href="http://www.wisebread.com/earn-extra-income-with-your-smartphone-camera?ref=seealso" target="_blank">Earn Extra Income With Your Smartphone Camera</a>)</p> <h2>2. Complete microtasks</h2> <p>If you have some extra time on your hands, rather than scrolling through your Instagram feed, make a little money by writing 50-word product descriptions, transcribing audio, or making sure that uploaded photos don't contain sensitive material. Sites, such as <a href="https://www.crowdflower.com/contributors/" target="_blank">CrowdFlower</a> and <a href="https://www.mturk.com/mturk/help?helpPage=overview" target="_blank">Amazon's Mechanical Turk</a>, allow you to find single, self-contained tasks that provide a monetary reward. Initial tasks usually pay just a few cents, but once you obtain higher qualifications you can earn much more. (See also: <a href="http://www.wisebread.com/6-ways-to-earn-more-money-without-working-more-hours?ref=seealso" target="_blank">6 Ways to Earn More Money &mdash; Without Working More Hours</a>)</p> <h2>3. Create an online course</h2> <p>When you're really good at something and could teach it to anybody in your sleep, then you could earn passive income by creating a robust online course and receiving royalties every time that somebody watches your lessons or tutorials, or signs up to the service as a paid student. Some options to build on-demand courses are <a href="https://www.skillshare.com/teach" target="_blank">Skillshare</a> and <a href="https://teach.udemy.com" target="_blank">Udemy</a>.</p> <h2>4. Tutor in real time</h2> <p>Since some students learn better by doing, you also have the option to deliver live tutoring through the web. Sites like&nbsp;<a href="https://www.chegg.com/tutors/become-a-tutor/?from_header=1" target="_blank">Chegg Tutors</a> and <a href="https://www.tutor.com/apply" target="_blank">Tutor.com</a>&nbsp;are constantly looking for experienced tutors on a wide range of subjects at the high school and college levels. (See also: <a href="http://www.wisebread.com/the-3-best-jobs-for-expats-and-travelers?ref=seealso" target="_blank">The 3 Best Jobs for Expats and Travelers</a>)</p> <h2>5. Become a beta tester</h2> <p>Some people wait in line for hours to get the latest smartphone model or video game platform. If you're one of those, <a href="https://erlibird.com/beta-testers" target="_blank">ErliBird.com</a> offers you the opportunity to get a sneak peek and provide feedback on upcoming apps, websites, and products. Some assignments require ownership of a Windows PC, Mac, or other specific devices. Depending on your set of demographics and the needs from clients, the site provides up to five assignments per month, each one paying $10.</p> <h2>6. Be a virtual jury member</h2> <p>If you just can't wait for the day to be called for jury duty, you can increase your chances of becoming a juror by signing up for <a href="http://www.ejury.com/jurors_learn_about.html#paid" target="_blank">eJury.com</a>. Don't let the late '90s retro design fool you, this site is real and the Texas-based company has an A+ rating with the Better Business Bureau. Assignments depend on location and demand from attorneys in that area, so it may take a while for you to land an assignment. But when you do, expect a $5 to $10 payment via PayPal. (See also: <a href="http://www.wisebread.com/13-ways-to-make-money-online-that-arent-scams?ref=seealso" target="_blank">13 Ways to Make Money Online That Aren't Scams</a>)</p> <h2>7. Snap photos of help wanted signs</h2> <p>With the <a href="https://jobspotter.indeed.com" target="_blank">Job Spotter</a> app from job search engine Indeed.com, you can accumulate points by taking photos of local job signs with your smartphone camera. For about 30 seconds of your time, you can win <a href="https://jobspotter.indeed.com/points-guide?from=welcome_email&amp;uk=8336c51e345e9306" target="_blank">up to 150 points</a> for submitting a local job sign. Once you hit 100 points, you can turn that into a $1 in Amazon.com credit. If you're a frequent Amazon shopper, this is a pretty good deal for the amount of time that you have to invest.</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-surprising-ways-to-earn-money-online">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-6"> <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-earn-extra-income-with-a-drone">How to Earn Extra Income With a Drone</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-ways-to-make-money-doing-household-chores">4 Ways to Make Money Doing Household Chores</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-fast-ways-to-restock-an-emergency-fund-after-an-emergency">6 Fast Ways to Restock an Emergency Fund After an Emergency</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-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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-earn-extra-money-with-a-healthy-lifestyle">5 Ways to Earn Extra Money With a Healthy Lifestyle</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Technology extra cash internet jobs making money saving money side gig side hustle work from home Mon, 12 Jun 2017 08:30:14 +0000 Damian Davila 1963761 at http://www.wisebread.com These Apps Turn Saving Money Into a Game — Are They Worth It? http://www.wisebread.com/these-apps-turn-saving-money-into-a-game-are-they-worth-it <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/these-apps-turn-saving-money-into-a-game-are-they-worth-it" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_surprised_phone_598171710.jpg" alt="Woman turning money saving into a game" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you have two dollars in your hand, do you save it or buy a scratch-off lottery ticket? We all know that the sensible choice is to put that money right in the bank. But the reality is, at today's anemic interest rates, saving is boring. The chance of winning a prize is exciting.</p> <p>What if you could have both the long-term financial benefit of saving, and the momentary thrill of getting a chance to win a prize? Combining responsible behavior and fun is the idea behind a crop of products and services that gamify saving money.</p> <p>Let's look at the pros and cons of some of these prize-linked savings products, which allow users the chance to win money without risking any of their own.</p> <h2>1. Long Game</h2> <p>At first, <a href="https://www.longgame.co/" target="_blank">Long Game</a> sounds like the same humdrum routine. It offers a savings account that you link to your regular checking account; money you transfer to savings earns 0.1 percent interest. But here's where it gets good: Long Game rewards you for depositing money into savings with &quot;coins.&quot; You can use your coins to buy virtual lottery tickets, and the prizes are either real cash or more coins.</p> <p>One nice feature of Long Game is that it doesn't charge fees. Another aspect, which could be either a feature or a drawback, depending on your interests, is that you have to actually play games, like spinning a wheel, to win money. Personally, I don't have the time for such games and would rather get automatic entries, but for people like my grandmother who play fake online slots just for fun, this could be a plus.</p> <h2>2. Wal-Mart MoneyCard</h2> <p>Walmart's MoneyCard was already a popular way for low-income, unbanked workers to store their paycheck and pay bills. Now, it's also billing itself as a savings vehicle, with a feature called Vault that allows users to set aside money that can't be spent on purchases (unless you transfer that money back out of the Vault). Recently, Wal-Mart debuted the <a href="https://www.walmartmoneycard.com/account/prizesavings" target="_blank">Prize Savings program</a> for MoneyCard, which gives card users chances to win up to $1,000 each month. The more money you keep in the Vault, the more chances you get to win.</p> <p>This program differs from Long Game in several notable ways: One, you don't need a separate bank account to participate &mdash; MoneyCard functions as a bank account replacement. Two, money in the Vault does not earn interest. Three, MoneyCard charges several fees: a $5 monthly fee, $3&ndash;$4.95 to put money on the card, and a $2.50 fee to get cash at an ATM. Fourth, you don't have to enter the drawing &mdash; putting the money in your Vault enters you automatically.</p> <h2>3. SaveUp</h2> <p>Link your savings and debt-bearing accounts to <a href="https://www.saveup.com/" target="_blank">SaveUp</a>, and you'll be rewarded with credits not just for saving money, but also for paying down debt. The credits can be used to buy virtual lotto tickets for cash prizes, including $50 weekly drawings and a monthly chance at a $2 million &quot;super jackpot.&quot;</p> <p>SaveUp is free to join. As with Long Game, you have to actively play to win; entries are not automatic.</p> <h2>4. Save to Win</h2> <p>The only nonprofit on this list, <a href="http://www.savetowin.org/" target="_blank">Save to Win</a> rewards credit union members with weekly and monthly prize drawings; the more you deposit, the more entries you get. Prizes vary by state but generally start at $25 and can go into the thousands.</p> <p>Save to Win is currently available at select credit unions in 13 states. Once you're enrolled in Save to Win, entry is automatic, so you don't need to remember to play the game.</p> <h2>5. Tip Yourself</h2> <p>This one is not a prize-linked program, but another gamified approach to saving money. <a href="https://www.tipyourself.com/" target="_blank">Tip Yourself</a> encourages users to transfer money from their checking account into a virtual &quot;tip jar&quot; as a reward for performing a desirable activity. The &quot;tip jar&quot; is a non-interest-paying account.</p> <p>It's an interesting idea for combining savings and self-motivation. I can imagine using Tip Yourself to save for a trip or a small goal like a spa pedicure; every time you exercise, you could reward yourself by moving some money to the trip or spa fund. It doesn't cost money to make the transfer. However, since the tip jar doesn't pay interest, it seems like you would be better off setting up a money market account linked to your checking account for saving toward a goal; most banks offer that option.</p> <h2>The take-away</h2> <p>The majority of these apps share a common drawback: To use them, you have to share your bank account information, which could put your account at risk if the company gets hacked. It also calls your financial privacy into question; if you plan to use any of these, study the company's privacy policy before taking the plunge.</p> <p>Several of these apps encourage users to keep savings in accounts that don't pay interest. Even though current interest rates are low, that makes little sense to me.</p> <p>If you are a member of a credit union that offers it, using the nonprofit Save to Win is a no-brainer. It won't take you any extra time to play, and it doesn't appear that you'd sacrifice security or privacy to do so. For the rest of these apps, carefully weigh the value of your privacy, security, and any financial costs against the chance of winning before committing.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/these-apps-turn-saving-money-into-a-game-are-they-worth-it">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-7"> <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/everyones-using-spare-change-apps-are-they-really-worth-it">Everyone&#039;s Using Spare Change Apps — Are They Really Worth It?</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-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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-that-monitor-your-credit-for-you">7 Apps That Monitor Your Credit 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/the-10-best-couponing-apps">The 10 Best Couponing Apps</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-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Technology apps fees games prizes rewards saving money smartphones winning money Fri, 09 Jun 2017 09:00:10 +0000 Carrie Kirby 1960490 at http://www.wisebread.com Everyone's Using Spare Change Apps — Are They Really Worth It? http://www.wisebread.com/everyones-using-spare-change-apps-are-they-really-worth-it <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/everyones-using-spare-change-apps-are-they-really-worth-it" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/shopping_woman.jpg" alt="Shopping woman" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Dad had one. His grandfather had one, too. And today, despite using credit cards for most transactions, I, too, have a change jar sitting on my dresser.</p> <p>As people shift from cash transactions to paying for everything with credit cards, debit cards, and even their phones, is the opportunity to invest &ldquo;spare change&rdquo; lost? Not if you try one of these <a href="http://www.wisebread.com/with-micro-investing-your-smartphone-pays-you?ref=internal" target="_blank">micro-investing apps</a> that purport to effortlessly grow your savings. Let's review some of the most popular apps, including their pros and cons.</p> <h2>1. Acorns</h2> <p><strong>What it does</strong>: After you link one or all of your credit cards to your account, <a href="https://www.acorns.com/">Acorns</a> rounds up each purchase to the nearest dollar and takes the difference from your checking account. (See also: <a href="http://www.wisebread.com/heres-what-i-learned-about-money-after-using-acorns?ref=seealso" target="_blank">Here's What I Learned About Money After Using Acorns</a>)</p> <p><strong>Cost</strong>: Free for college students for four years, $1 per month for others; 0.25 percent for accounts of $5,000 or more.</p> <p><strong>The good</strong>: Automatic saving is great because you don&rsquo;t have to remember to do it. Your investment account is auto-managed in ETFs (exchange-traded funds), so the money that grows there will feel like pennies from heaven.</p> <p>Partners including Jet, Airbnb, and Hulu have agreed to give Acorns users cash back, which they deposit straight into your account. Free money, people!</p> <p><strong>The bad</strong>: If you are only investing a few dollars a month, that $1 management fee could turn out to be an outrageously high percentage of your investment. Also, if your bank account tends to run low, the money this app withdraws could cause an overdraft and cost you a nasty fee.</p> <h2>2. Stash</h2> <p><strong>What it does</strong>: <a href="https://www.stashinvest.com/start-investing/wisebread">Stash</a> is simply an ETF investing app, but unlike stockbrokers who require a $1,000 or larger initial investment, Stash keeps the initial investment threshold at just $5. Pre-arranged portfolios have cute names like &ldquo;The Activist,&rdquo; to help people with no interest in financial jargon figure out what funds to buy. The Auto Stash feature will periodically transfer a predetermined amount of money from a linked bank account.</p> <p><strong>Cost</strong>: $1 per month for balances under $5,000; 0.25 percent per year after that (which starts at $12.50 per year for $5,000).</p> <p><strong>The good</strong>: If not knowing what to invest in or not having enough money to buy into a mutual fund was keeping you from investing, user-friendly Stash could be a good jump start. It could be a good way for kids or young adults to experiment with investing on a small scale.</p> <p><strong>The bad</strong>: As with Acorns, the $1 a month fee is actually quite expensive for small account balances. Then there&rsquo;s the question of whether you&rsquo;re getting good advice on what to invest in. The funds currently offered on Stash have a relatively high expense ratio, meaning that, market performance being equal, other funds might yield more money to the investor after fees. And Stash doesn&rsquo;t auto-balance your investments over time like other <a href="http://www.wisebread.com/should-you-trust-your-money-with-these-4-popular-financial-robo-advisers?ref=internal">robo-advisers</a>.</p> <p><strong>Special offer:</strong> Want $5 to get started? Use our referral link: <a href="https://www.stashinvest.com/start-investing/wisebread"><strong>Sign up for Stash and get $5 to start investing today!</strong></a></p> <h2>3. Qoins</h2> <p><strong>What it does</strong>: <a href="https://qoins.io/">Qoins</a> skims the &ldquo;change&rdquo; from transactions, and then uses that change to pay off debt. The company estimates that most people end up paying down an extra $40 in debt each month they use Qoins.</p> <p><strong>Cost</strong>: Quoins deducts $1.99 from each monthly payment sent out on your behalf. If your monthly total is less than $20, Quoins won&rsquo;t send out a debt payment and won&rsquo;t charge you; instead it will roll over your accumulated spare change into the next month&rsquo;s payment.</p> <p><strong>The good</strong>: If you&rsquo;ve got high-interest loans, you can probably save more in interest by chipping away at debt than you could earn from saving at today&rsquo;s low interest rates. And unlike investing, paying off debt is risk free.</p> <p><strong>The bad</strong>: Again, that fee is going to erode gains. Paying $500 extra each year on a student loan might save you $25 in interest, but the app costs nearly $24 a year to use. You could achieve the same benefit for free by setting your monthly automatic loan payment $40 higher.</p> <h2>4. Debitize</h2> <p><strong>What it does</strong>: Aiming to help people avoid credit card debt, <a href="https://debitize.com/">Debitize</a> links your checking account to your credit card and makes a checking withdrawal every time you make a credit card charge. Then it pays your monthly credit card bill with the money it withdrew. The end result is the ability to use a credit card like a debit card.</p> <p><strong>Cost</strong>: Free.</p> <p><strong>The good</strong>: At first it&rsquo;s hard to grasp the point of Debitize. I mean, if you want to pay for all your purchases at the time you make them, you could simply stick to a debit card, a choice millions of conservative spenders make.</p> <p>However, Debitize positions itself as a way for previous debit users to take advantage of all those rich credit card rewards out there, and build their credit score, while avoiding the risk of getting into credit card debt. I can imagine this as a training wheels program for people who have had trouble with credit card debt before. (See also: <a href="http://www.wisebread.com/fastest-way-to-pay-off-10000-in-credit-card-debt?ref=seealso" target="_blank">The Fastest Way to Pay Off $10,000 in Credit Card Debt</a>)</p> <p><strong>The bad</strong>: To me, this service would add an unnecessary layer of complexity to life. It doesn&rsquo;t offer to increase my savings or cut my expenses, just to save me from myself by putting aside money to pay my bills.</p> <h2>5. Digit</h2> <p><strong>What it does</strong>: Instead of focusing on transactions, <a href="https://digit.co/">Digit</a> analyzes your checking account inflow and outflow. Every day that it judges you can afford to, it moves a little money from your checking to an FDIC-insured savings account.</p> <p><strong>Cost</strong>: $2.99 per month.</p> <p><strong>The good</strong>: Digit's &ldquo;no overdraft&rdquo; promise means that if a transfer causes your account to go negative, it&rsquo;ll cover the fee. It&rsquo;s also nice that Digit will allocate your savings toward goals of your choice, such as a rainy day fund or a new TV.</p> <p><strong>The bad</strong>: When you save and invest, your money is supposed to grow. But unless you&rsquo;re saving large amounts each month, your savings may shrink a bit with Digit. Digit is putting your money in a savings account on your behalf, and paying you a 1 percent annual &ldquo;savings bonus,&rdquo; broken into four quarterly payments &mdash; which is not a bad rate. But it also charges $2.99 per month. So if you invest $1,000 over the course of the year through Digit, you&rsquo;d earn $10 in interest, but pay $35.88 in fees.</p> <h2>6. Change</h2> <p><strong>What it does</strong>: <a href="https://gochange.co/intro/s/4?tk=AF78188" target="_blank">Change</a> monitors all your transactions and texts you with reminders and suggestions for wiser money management. For example, the app might point out how much you&rsquo;ve paid over the course of a year for a service you forgot you were signed up for.</p> <p>Change also offers &ldquo;auto saving&rdquo; which, like Digit, analyzes your account and transfers money it thinks you don&rsquo;t need to a separate account that pays you &ldquo;savings bonuses&rdquo; instead of interest. The standard bonus rate (like today&rsquo;s interest rates) is low at 3 percent, but you can increase your rate by referring friends to sign up for the auto-save service.</p> <p><strong>Cost</strong>: Free.</p> <p><strong>The good</strong>: Fans of the app appreciate getting insight that they would not have gleaned on their own. Unlike the other apps in this post, which focus on saving in small increments, Change is looking to change big picture and long-term behavior. Its impact on your savings efforts could be huge.</p> <p><strong>The bad</strong>: If you already get a lot of texts, having your phone start notifying you when you've spent too much money could be annoying.</p> <h2>The takeaway</h2> <p>One drawback to all of these accounts is that they focus on adding money to after-tax accounts. If you are earning income, you should really focus on contributing to your tax-advantaged retirement account. That said, if you&rsquo;re already paying into your retirement fund, one of these apps could be a way to contribute to a rainy day fund, or to chip away at debt.</p> <p>Another concern that applies to all of these apps is that you're inviting a second or third company to peruse and make use of your financial data, meaning that your privacy and the security of your accounts could be diminished. Of course, each app has reassurances on its website about how great its data security is, but hacks happen. Before handing over your account information to any service provider, make sure you understand how it plans to handle your data.</p> <p>Personally, I don&rsquo;t like paying fees. I don&rsquo;t dump my real change jar into one of those machines that charges a fee to turn it into folding money, and I wouldn&rsquo;t pay a monthly fee for a company to make micro-withdrawals from my checking account for me. Instead, I&rsquo;d be inclined to emulate their effect for free by setting my checking account to autodeposit a set amount of money into savings or an investment account.</p> <p>If you value novelty and convenience over a buck or three a month, and you have never invested before, any of these apps might help jump start your savings and investment career. If that&rsquo;s you, take one of them for a spin. But be sure to re-evaluate after six months or so to see if you&rsquo;re getting enough value from your monthly fee, or if you&rsquo;re ready to graduate to another form of saving and investing.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/everyones-using-spare-change-apps-are-they-really-worth-it">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/these-apps-turn-saving-money-into-a-game-are-they-worth-it">These Apps Turn Saving Money Into a Game — Are They Worth It?</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/7-apps-that-monitor-your-credit-for-you">7 Apps That Monitor Your Credit for You</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/6-millennial-money-habits-every-retiree-should-learn">6 Millennial Money Habits Every Retiree Should Learn</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-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Technology acorns apps cons debitize digit fees micro investing pros qoins saving money spare change stash Mon, 05 Jun 2017 08:30:13 +0000 Carrie Kirby 1957903 at http://www.wisebread.com