Technology http://www.wisebread.com/taxonomy/term/8130/0 en-US 9 Questions You Should Ask Before Hiring a Robo-Adviser http://www.wisebread.com/9-questions-you-should-ask-before-hiring-a-robo-adviser <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-questions-you-should-ask-before-hiring-a-robo-adviser" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_laptop_thinking_59984612.jpg" alt="Woman asking robo-adviser questions before hiring" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Many experts predict that robots will soon take over jobs across many industries. (See also: <a href="http://www.wisebread.com/robots-will-take-over-these-5-jobs-soon-is-one-of-them-yours?ref=seealso">Robots Will Take Over These 5 Jobs Soon &mdash; Is One of Them Yours?</a>)</p> <p>And this trend is certainly evident in the financial industry, where robo-advisers (an automated online service that provides algorithm-based portfolio management without any involvement of human financial advisers) are already taking over a substantial portion of investment management. By the end of 2015, U.S. robo-advisers managed an estimated <a href="https://www.bloomberg.com/quicktake/robo-advisers">$50 billion in assets</a>. That value is expected to rise to $2.2 trillion by 2020.</p> <p>With major investment fund firms, such as Vanguard and Fidelity, deeply in the robo-advice game, many individual investors will need to decide whether to hire the services of a robo-adviser. So, let's review nine key questions you should ask before you trust your money to a &quot;bot.&quot;</p> <h2>1. Am I Eligible for a Robo-Adviser?</h2> <p>While robo-advisers are gaining in popularity, not every single retirement plan or investment house is offering them as an option. Some retirement plan advisers eschew automated portfolio management to differentiate themselves from the competition. This means that your current employer-sponsored retirement account or investment account may not offer robo-advisers.</p> <p>Even when a robo-adviser is available, you may not be have enough money in your investment account or nest egg to make use of them. Depending on your preferred broker, robo-advisers require a minimum investment balance of anywhere from $1 (WiseBanyan) to $50,000 (Vanguard). There are companies that don't ask for a minimum, but you should evaluate whether opening a separate investment or retirement account makes sense for you. (See also: <a href="http://www.wisebread.com/how-too-much-investment-diversity-can-cost-you?ref=seealso">How Too Much Investment Diversity Can Cost You</a>)</p> <h2>2. What Services Do You Offer?</h2> <p>Just like human financial advisers, not all robo-advisers are the same. Automatic portfolio rebalancing and tax-loss harvesting (selling securities that have experienced a loss to offset taxes on both gains and income) are among the most common services. Additional offerings vary, and may include advice for retirement accounts and access to a human financial adviser. To have a clear picture of all of your options, be sure to review all the disclosures and terms.</p> <h2>3. What Are the Fees?</h2> <p>The main driver behind the shift toward automated wealth-management is the promise of lower fees. After all, hiring the professional investment management services of a human financial adviser can cost from 0.25% to 1.0% of your account balance. On the other hand, with a robo-adviser you can pay as low as 0.15% of your account balance (using Betterment) or a flat monthly fee of $5 (using blooom).</p> <p>Be aware that some robo-advisers may charge you nothing for portfolio management, but still send you a bill for applicable trading expenses. For example, WiseBanyan and Charles Schwab Intelligent Portfolios provide free portfolio management free of charge, but invest primarily in exchange-traded funds (ETFs) with moderate to high expense ratios. (See also: <a href="http://www.wisebread.com/4-sneaky-investment-fees-to-watch-for?ref=seealso">4 Sneaky Investment Fees to Watch For</a>)</p> <h2>4. What Information Do You Need From Me and How Do I Update It?</h2> <p>A robo-adviser is an automated tool that makes investment decisions based on your response to questionnaires and selection of investment criteria. Your input directly affects the actions of the robo-adviser, so develop a crystal clear understanding of the intake process, set of available answers to each question, lead time to process an update, and window of opportunity to make changes. Additionally, ask who you can contact in case you don't understand a question or term.</p> <p>The Securities and Exchange Commission (SEC) recommends checking with the company whether the questionnaire actually allows you to customize services or forces to fit you into the tool's predetermined options.</p> <h2>5. What Are the Key Assumptions?</h2> <p>This is one of those times that you must read the user's manual in full detail. Every robo-adviser operates within a set of predetermined investment guidelines and economic assumptions. For example, some may limit their trades to low-cost index funds and others may assume an inflation rate of 3% per year. Depending on the assumptions, your fund can have a very different outcome from the one that you expected. Ask for documentation regarding the investment methodology, set of economic assumptions, and list of trading guidelines. The main objective is to spot potential assumptions or guidelines that you're just not comfortable with at all.</p> <h2>6. What Are My Investment Options?</h2> <p>Just as when you <a href="http://www.wisebread.com/who-to-hire-a-financial-planner-or-a-financial-adviser">hire a financial adviser or financial planner</a>, check for the pay structure of a potential robo-adviser. Some investment houses may limit your investment options to only those from the same investment house, or worse, may receive kickbacks for purchasing specific financial vehicles. Still, you can have a robo-adviser that only trades with a limited set of securities and meets your unique investment needs. To be able to compare apples to apples, find out what the investment options are of any robo-adviser that you're considering.</p> <h2>7. Can the Robo-Adviser Offer Me More Later?</h2> <p>A robo-adviser can be a useful tool for individuals who are just starting to invest, have a low account balance, or have straightforward financial needs. As your account balance grows and your financial situation changes, you may need more advanced wealth management services, such as taxes, retirement planning, cash flow management, or estate planning that can be beyond the scope of your current robo-adviser. Finding out the service tiers of a robo-adviser is also an important criteria so you determine whether or not your robo-adviser can &quot;grow&quot; with you.</p> <h2>8. How Do I Terminate the Contract?</h2> <p>Understand the details of how to end a contractual relationship with the firm and how long it may take to cash out any investments if you decide to stop using the tool. For a robo-adviser involving retirement accounts, inquire about the applicable terms and conditions, if any, for a rollover to an external retirement account. (See also: <a href="http://www.wisebread.com/a-simple-guide-to-rolling-over-all-of-your-401ks-and-iras?ref=seealso">A Simple Guide to Rolling Over All of Your 401Ks and IRAs</a>)</p> <h2>9. How Do You Protect My Personal Data?</h2> <p>Last, but not least, remember that you're going to access an online service. Check for the steps that the company takes to protect your personal data and the policies in case of a security breach or phishing attempt. Also, ask whether or not the company shares your information with third parties. If so, ask who those parties are and how you can opt out of having your information made available to those parties.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/9-questions-you-should-ask-before-hiring-a-robo-adviser">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-too-much-investment-diversity-can-cost-you">How Too Much Investment Diversity Can Cost You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/buying-a-new-smartphone-without-extending-your-contract">Buying a New Smartphone Without Extending Your Contract</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-investing-tips-you-wish-you-could-tell-your-younger-self">11 Investing Tips You Wish You Could Tell Your Younger Self</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/4-sneaky-investment-fees-to-watch-for">4 Sneaky Investment Fees to Watch For</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-calculate-future-value-and-why-it-matters">How to Calculate Future Value, and Why It Matters</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Investment Technology assumptions contracts fees financial advisers personal data portfolio management robo-advisers Thu, 22 Sep 2016 09:30:23 +0000 Damian Davila 1796991 at http://www.wisebread.com Best Money Tips: How to Get a Free iPhone 7 http://www.wisebread.com/best-money-tips-how-to-get-a-free-iphone-7 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-how-to-get-a-free-iphone-7" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/new_iphone_65518275.jpg" alt="Learning how to get a free iPhone 7" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on how to get a free iPhone 7, things to avoid when asking for a raise, and ways to control your happiness.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.csmonitor.com/Business/Saving-Money/2016/0917/These-wireless-carriers-are-offering-a-free-iPhone-7-with-trade-in">These wireless carriers are offering a free iPhone 7 with trade-in</a> &mdash; If you have a fully paid-off iPhone 6 or 6s, you may be able to trade it in for the newest model for free. [The Monitor]</p> <p><a href="http://www.aol.com/article/2016/09/19/3-wrong-ways-to-ask-for-a-raise/21474923/">3 wrong ways to ask for a raise</a> &mdash; Avoid talking about personal issues in a salary negotiation. There has to be a business reason for increasing your pay. [AOL Finance]</p> <p><a href="http://www.popsugar.com/smart-living/How-Control-Your-Happiness-42397335">4 Ways That You (and Only You!) Can Control Your Happiness</a> &mdash; Studies have shown that people who stay in regular contact with around 10 friends are happier and live longer. [PopSugar Smart Living]</p> <p><a href="http://parentingsquad.com/6-smart-ways-parents-can-use-smart-plugs">6 Smart Ways Parents Can Use Smart Plugs</a> &mdash; Smart plugs allow you to control your home electronics &mdash; from lights to TVs to coffee makers and everything in between &mdash; from anywhere with Internet. [Parenting Squad]</p> <p><a href="http://www.experian.com/blogs/news/about/fincon16/">#FinCon16 Pre-Party: Favorite Money-Tips from Personal Finance Experts</a> &mdash; Join Experian's #CreditChat tomorrow at 3 p.m. ET! Personal finance experts will be sharing their favorite money tips. [Experian]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.shebudgets.com/life-hacks/three-simple-ways-to-make-any-email-more-professional/71196">Three Simple Ways to Make Any Email More Professional</a> &mdash; We all know and use text lingo, but emails to your boss or clients require professional lingo. [SheBudgets]</p> <p><a href="http://shopperstrategy.com/2016/09/19/how-to-protect-your-computer-from-viruses-for-free/">How to Protect Your Computer from Viruses for Free</a> &mdash; Be careful what you download! Use anti-virus software that will check if the file you're about to download from an email, website, or service is infected. [Shopper Strategy]</p> <p><a href="http://www.thefrugaltoad.com/personalfinance/5-ways-to-lower-your-insurance-premiums">5 Ways to Lower Your Insurance Premiums</a> &mdash; You can get a 10-30% discount on auto insurance by using a plug-in tool that monitors your driving habits. [The Frugal Toad]</p> <p><a href="http://www.fool.com/investing/2016/09/19/3-smart-tax-moves-to-make-now.aspx?source=iedfolrf0000001">3 Smart Tax Moves to Make Now</a> &mdash; Tax planning is an ongoing process. You'll be glad you made these three moves when tax time rolls around. [The Motley Fool]</p> <p><a href="http://christianpf.com/investing-with-little-money/">5 Ways To Get Started Investing With Very Little Money</a> &mdash; You can start investing with as little as $50 or $100 &mdash; you just need to know where to look! [Seed Time]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-how-to-get-a-free-iphone-7">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/how-to-get-netflix-and-hulu-to-play-on-your-tv">How to Get Netflix and Hulu to Play on Your TV</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-questions-you-should-ask-before-hiring-a-robo-adviser">9 Questions You Should Ask Before Hiring a Robo-Adviser</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-best-sites-to-help-your-kids-learn-about-money">8 Best Sites to Help Your Kids Learn About Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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-5 views-row-odd views-row-last"> <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> </ul> </div> </div> </div> </div><br/></br> Technology best money tips iphone 7 Tue, 20 Sep 2016 09:30:18 +0000 Amy Lu 1795969 at http://www.wisebread.com 8 Best Sites to Help Your Kids Learn About Money http://www.wisebread.com/8-best-sites-to-help-your-kids-learn-about-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-best-sites-to-help-your-kids-learn-about-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_daughter_breakfast_64728213.jpg" alt="Finding best sites to help your kids learn about money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Teaching your children about money is an important, yet often overlooked area of education. Most kids will not want to sit through a lecture about credit card usage and budgeting practices, but they might be more willing to listen to interactive videos and games. These sites make learning about money and money management fun and enjoyable.</p> <h2>1. Biz Kids</h2> <p><a href="http://bizkids.com/">Biz Kids</a> offers short and interesting videos aimed toward middle schoolers. These videos cover a wide range of topics from young entrepreneurs to starting a business to different money personalities. For teachers and home-schoolers, there are coordinating lessons that go with the videos. The site also has three different games &mdash; Break the Bank, Bring Home the Bacon, and Dollar a Glass &mdash; which allow kids to try their hands at running a virtual lemonade stand.</p> <h2>2. Rich Kid, Smart Kid</h2> <p>The <a href="http://www.richkidsmartkid.com/">Rich Kid, Smart Kid</a> site was created by The Rich Dad Company, the brand behind the popular book, <a href="http://amzn.to/2chdAMF">Rich Dad, Poor Dad</a>. The site comes with four interactive games: Jesse's Ice Cream Stand, Reno's Debt Dilemma, Ima's Pay Yourself 1st, and Jesse's Big Change. The site has fun graphics and is kid-friendly to use. For parents and teachers, there are teaching resources for every age level.</p> <h2>3. Lemonade Tycoon</h2> <p>While not technically a site, <a href="http://www.shockwave.com/gamelanding/lemonade.jsp">Lemonade Tycoon</a> is an addicting game that shows kids the way to build a business from the bare minimum to franchise status. This game can help show children that in order to grow a business, you need to strike a balance between profits and investments. Kids will also learn that there is a fine balance between product cost, product quality, and product success. For example, adding more water to the lemonade will bring down costs, but it can also drive away customers. On the other hand, using a lot of sugar in the lemonade will cost more and gain more sales, but the profit margin is smaller.</p> <h2>4. H.I.P. Pocket Change</h2> <p><a href="https://www.usmint.gov/kids/">H.I.P. Pocket Change</a> focuses less on money management and more on the history of coins worldwide. The site has several games and cartoons that teach how a coin is made and other important dates in coin history. There are also a lot of great resources for kids interested in coin collecting.</p> <h2>5. Sense &amp; Dollars</h2> <p>The <a href="http://senseanddollars.thinkport.org/">Sense &amp; Dollars</a> site has several interactive calculators. The site calls them games, but they are simply calculators that require little input. The Saving Money section of the site is most helpful, especially the Show Me the Money calculator, which shows how much an investment will grow in different saving accounts. The Charge game is also useful since it can show your child how much something costs when you charge it and then make minimum payments. On the other hand, The Makin' the Bacon calculator is extremely outdated and does not factor in taxes or SSI taken out of each paycheck.</p> <h2>6. It's My Life</h2> <p><a href="http://pbskids.org/itsmylife/money/">It's My Life</a> from PBS Kids offers advice, shows, and games for all areas of life. The money section is small, but there is a game called Mad Money. There is also a lot of helpful advice for older kids that want to get started in babysitting.</p> <h2>7. Credit Card Simulator Game</h2> <p>This <a href="https://www.channelone.com/feature/credit-card-simulator-game/">Credit Card Simulator</a> game from Channel One allows kids to get a virtual platform card and virtually shop in the game's mall. The game will then teach about the downside of interest and debt.</p> <h2>8. Three Jars</h2> <p><a href="http://www.threejars.com/">Three Jars</a> is a great site for kids and parents alike, since it can help streamline allowance time. With this site, kids keep track of how much money is owed to them through either chores, odd jobs, or both. The money then gets split into three jars entitled Spend, Save, and Share. The goal of the site is to make managing allowances easier, while minimizing nagging and entitlement in your home. For example, when a child asks for something at the store, you can buy it for them if the money is in their spend jar. If the item costs $20, and they only have $5 in their spend jar, then the responsibility is on them. They either need to do more chores or spend less money.</p> <p>While your kids might not want to trade in their video games for these interactive money games and websites, they are a great starting point to talk about money in your home.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/8-best-sites-to-help-your-kids-learn-about-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-fun-money-apps-for-kids">10 Fun Money Apps for Kids</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-top-money-lessons-to-learn-from-ruth-soukups-unstuffed">4 Top Money Lessons to Learn From Ruth Soukup&#039;s &quot;Unstuffed&quot;</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-bad-money-habits-youre-teaching-your-kids">4 Bad Money Habits You&#039;re Teaching Your Kids</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-use-new-toys-to-teach-kids-about-money">How to Use New Toys to Teach Kids About Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-i-learned-about-money-after-getting-married">8 Things I Learned About Money After Getting Married</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Family Technology allowances games interactive kids learning tools money lessons teaching websites Mon, 19 Sep 2016 10:00:07 +0000 Ashley Eneriz 1794072 at http://www.wisebread.com How to Use Snapchat in Your Job Search http://www.wisebread.com/how-to-use-snapchat-in-your-job-search <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-use-snapchat-in-your-job-search" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_55082910_MEDIUM.jpg" alt="using snapchat in your job search" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Graham Allgood, a college senior, dreamed of landing a social media internship at top agency <a href="http://www.businessinsider.com/graham-allgood-uses-snapchat-geofilter-for-internship-interview-2016-5">Horizon Media</a>. The problem was, so did every other college senior. Allgood knew he had to set himself apart, so he decided to skip the traditional resume and application and did something completely unexpected: he created an on-demand geofilter. This is a Snapchat design that features a custom location or special event, and Allgood scheduled a campaign to launch during the agency's working hours.</p> <p>That same day, Allgood received an invitation to interview, and within days, he had a job offer. His ingenuity and innovation cut through the competition and showed off his social media savvy, making him a great fit for the agency.</p> <h2>Snapchat and Job Searching</h2> <p>If you think Snapchat is something just for teens to swap selfies or make silly faces, you may be missing out on a powerful career development tool. While known for its use by millennials and teenagers, Snapchat is one of the fastest growing social media platforms with over&nbsp;<a href="http://www.adweek.com/socialtimes/snapchat-is-the-fastest-growing-social-network-infographic/624116">200 million</a> active users.</p> <p>Companies from HubSpot to General Electric are increasingly using the app to highlight their work, culture, and employees, and it can be an easy way to connect with prospective employers. From showcasing your portfolio to networking with professionals, Snapchat can be an asset in&nbsp;<a href="http://www.wisebread.com/8-100k-jobs-you-can-do-online">your job search</a>. Here's how to take advantage of all Snapchat has to offer:</p> <h3>Highlight Your Achievements</h3> <p>Snapchat provides a unique opportunity to highlight your work in an engaging way visually. Share your expertise, exciting projects, and great results. Use the app as a platform to position yourself as an industry leader. For example, comment on the latest trends in your industry, create stories with Snapchat's features to show off your latest campaign, or show your team celebrating a significant milestone. It lets employers see not only your work, but your personality, teamwork, and social media savvy.</p> <h3>Instead of a Resume, Tell a Story</h3> <p>If you are in a creative industry, like advertising or event planning, posting your resume as a story can be an excellent way to stand out from the competition. Video clips and pictures that recap your experience, accomplishments, and growth emphasize your capabilities and potential for a new position. While a Snapchat resume may not work in fields like law or accounting, a social media-based resume can resonate in fields that focus on out-of-the-box thinking and ingenuity.</p> <h3>Network With Employers</h3> <p>With employers like&nbsp;<a href="http://www.reuters.com/article/goldman-sachs-snapchat-idUSL1N11O1T920150918/">Goldman Sachs</a> posting regularly on Snapchat, it can be a great way to learn about a company, find out about their culture, and connect with their staff. They often post breaking news, milestones, and other achievements, which can give you great talking points in a cover letter or interview. You can interact with them as well, but do it strategically when you have something of value to contribute to the discussion.</p> <p><a href="http://www.bizjournals.com/louisville/blog/2015/05/taco-bell-uses-snapchat-to-advertise-internships.html">Taco Bell</a> is a great example of a company using Snapchat to advertise job opportunities and recruiting for internships.</p> <h2>Career Development</h2> <p>Some of the biggest leaders in business use Snapchat to offer tips, advice, and tutorials on industry trends. Follow key leaders in your field to learn about building your executive presence, how to increase engagement or how to improve your productivity.</p> <p>While Snapchat is most well known as an app for funny pictures and video clips, if used strategically, you can use it as a powerful platform to supercharge your job search.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/how-to-use-snapchat-in-your-job-search">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-careers-you-dont-need-a-ton-of-experience-to-start">9 Careers You Don&#039;t Need a Ton of Experience to Start</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-best-times-of-year-to-start-a-job-search">The Best Times of Year to Start a Job Search</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-words-you-need-to-delete-from-your-resume-right-now">12 Words You Need to Delete From Your Resume Right Now</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-effective-ways-to-make-yourself-more-employable">6 Effective Ways to Make Yourself More Employable</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Job Hunting Technology job search networking resume selfie snapchat social media social network Wed, 14 Sep 2016 10:00:13 +0000 Kat Tretina 1792128 at http://www.wisebread.com How I Saved $3,190 With a $50 HDTV Antenna http://www.wisebread.com/how-i-saved-3190-with-a-50-hdtv-antenna <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-i-saved-3190-with-a-50-hdtv-antenna" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_95269139_MEDIUM.jpg" alt="their HDTV antenna saved them thousands" title="" class="imagecache imagecache-250w" width="250" height="126" /></a> </div> </div> </div> <p>Three years ago, I realized it was ridiculous to pay $110 per month for satellite TV when I could get it for free. Sure, I liked the large selection of channels I was getting from satellite TV, but free is hard to beat. With a $50 purchase to get free channels, I have saved over $3,190 so far. Here's how I did it.</p> <h2>Is TV Ever Really Free?</h2> <p>Before the days of cable and satellite TV, all channels were free. Local TV stations would broadcast a signal over the air for anyone to pick up through the &quot;rabbit ear&quot; antennae on their TV set. Why would big stations broadcast their content for free? Advertising. TV stations sold commercials to generate the income they needed to pay for their programming, not to mention a bit of profit for the TV station.</p> <p>You may not realize it, but all local TV stations are still broadcasting for free. In recent years, TV stations have been required to upgrade their transmitters to broadcast digital high definition channels. This means that in most areas, you can get high quality digital TV service for absolutely free! All you need is an HDTV antenna.</p> <h2>What Is an HDTV Antenna?</h2> <p>You may remember large rooftop TV antennae from years ago. The one at my house when I was growing up even had a rotor that turned the antenna to tune in different stations. Now you can get good reception using a small <a href="http://www.wisebread.com/the-5-best-indoor-tv-antennas">indoor HDTV antenna</a> that is about the size and shape of an iPad.</p> <p>Indoor HDTV antennas start at under $10. If you live in a metropolitan area with TV stations within about 25 miles, this may be all you need. I live a bit further away from town, so I went with an antenna that includes a powered amplifier to boost the signal and receive from about 50 miles away. You can still buy an outdoor TV antenna, but in most cases, an inexpensive indoor antenna works quite well to pick up local stations.</p> <h2>How to Get Free TV With Your HDTV Antenna</h2> <p>Of course, you'll need a high definition TV to receive HDTV with your antenna. Most high definition TV sets have an antenna input. Simply attach your HDTV antenna to the antenna input using the coaxial cable that comes with the antenna. If you have a powered amplifier, you will need to plug the amplifier into an outlet to make it work.</p> <p>Most indoor HDTV antennas are designed to hang neatly on the wall like a picture. The problem with mounting an antenna this way is that you may need to reposition the antenna to get good reception of some stations. I use a bookshelf near my TV to place my HDTV antenna in different positions to get good reception. If you don't get a signal at first, try moving the antenna to different locations. Sometimes laying my antenna flat and upside down provides the best reception.</p> <h2>Here's How I Saved $3,190 With a $50 HDTV Antenna</h2> <p>Three years ago, I decided to &quot;cut the cable&quot; and get rid of my TV service, using my HDTV antenna to get free TV instead. Here's how I saved $3,190.</p> <p>Satellite TV was costing me $110 per month, so over three years this adds up to $3,960. I spent $50 for an indoor HDTV antenna, and about $20 per month for Netflix and Hulu subscriptions, or $720 for three years.</p> <p>My savings so far is: $3,960 &mdash; $50 &mdash; $720 = $3,190!</p> <p>Even if you pay much less for your cable or satellite TV package than I was paying, you can still save a lot of money by using free HDTV instead. If your TV bill is only $60 per month, that still adds up to $2,160 over three years.</p> <h2>How to Save Money With Free HDTV</h2> <ul> <li>When you buy an HDTV antenna, keep the package and receipt. If you are not happy with the channels you get in your area, you can return it and get your money back.<br /> &nbsp;</li> <li>All HDTV antenna models perform differently. I returned one antenna before finding another model that worked better.<br /> &nbsp;</li> <li>Unless you live near a metro area, go with an amplified HDTV antenna to get more stations.<br /> &nbsp;</li> <li>The sooner you cut your TV subscription channels, the more money you can save. Try an HDTV antenna to see if you can get some free stations in your location and start saving money on TV as soon as possible.<br /> &nbsp;</li> <li>If the selection of free TV stations in your location isn't enough, use inexpensive streaming video services such as Netflix, Hulu, and Amazon Prime video to round out your TV viewing options. These services cost about $8&ndash;$10 per month.</li> </ul> <p>You might think that using an HDTV antenna would be less convenient than subscribing to cable or satellite TV, and that you would get fewer channels. You would be right. But I would rather have 3,190 extra dollars than pay for a bunch of channels that I rarely or never watch.</p> <p><em>Did you get a free HDTV with an antenna? How much did you save?</em></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-i-saved-3190-with-a-50-hdtv-antenna">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/8-alternatives-to-cable-tv-that-will-keep-you-entertained">8 Alternatives to Cable TV That Will Keep You Entertained</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-everyday-money-tasks-youve-been-doing-wrong">12 Everyday Money Tasks You&#039;ve Been Doing Wrong</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-things-you-can-do-right-now-for-a-frugal-holiday-season">9 Things You Can Do Right Now for a Frugal Holiday Season</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-use-new-toys-to-teach-kids-about-money">How to Use New Toys to Teach Kids About Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-best-couponing-apps">The 10 Best Couponing Apps</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Shopping Technology cable tv free tv HDTV satellite tv saving money technology tv tv antenna tv parts tv repair Wed, 07 Sep 2016 09:30:30 +0000 Dr Penny Pincher 1787517 at http://www.wisebread.com 3 Sneaky Ways Identity Thieves Can Access Your Data http://www.wisebread.com/3-sneaky-ways-identity-thieves-can-access-your-data <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-sneaky-ways-identity-thieves-can-access-your-data" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/computer_password_88375551.jpg" alt="Finding sneaky ways identity thieves can access data" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You just can't be too careful nowadays.</p> <p>From 2010 to 2015, identity thieves have stolen <a href="http://www.iii.org/fact-statistic/identity-theft-and-cybercrime">$112 billion</a> from U.S. consumers. A staggering 13.1 million victims of identify theft lost $15 billion in 2015 alone. To curb more cases of identity theft, more and more issuers of credit and debit cards are transitioning their clients to cards with chip technology. (See also: <a href="http://www.wisebread.com/4-ways-chip-credit-cards-make-life-easier?ref=seealso">4 Ways Chip Credit Cards Make Life Easier</a>)</p> <p>Still, there are plenty of methods for criminals to get a hold of your personal information. Let's review three more ways thieves can steal your identity and how to protect yourself against them.</p> <h2>1. Mailbox</h2> <p>Snail mail can be annoying in more ways that you think. While receiving paper copies of statements of your bank accounts, credit card accounts, retirement accounts, or investment accounts can save you the cost of printing them out yourself, keep in mind that it also opens the door for potential identity theft. For example, all it takes is a thief to get a hold of a bank account or credit card statement and try his luck changing your mailing address and requesting a replacement card. Don't let somebody go on a shopping spree with your hard-earned dollars!</p> <p>Another target inside your mailbox is any prefilled credit card or loan application. That little trash bin right next to the mailbox area in your apartment building is a gold mine for identity thieves.</p> <h3>How to Prevent It</h3> <p>The U.S. Postal Service (USPS) recommends you avoid leaving mail in your mailbox overnight or on weekends. If you plan to be away from home from three to 30 consecutive days, use the <a href="https://holdmail.usps.com/holdmail/">USPS Hold Mail Service</a> to schedule delivery of all mail on the day of your return.</p> <p>Also, make sure that you deposit any mail containing personal information only on U.S. Postal Service collection boxes and securely discard any letters of preapproved offers of credit. You also can opt out of unsolicited credit and insurance offers by calling 1-888-5-OPT-OUT (1-888-567-8688) or visiting <a href="http://www.optoutprescreen.com">www.OptOutPrescreen.com</a>.</p> <h2>2. Fake Public Wi-Fi</h2> <p>Whether struggling to keep your data usage within the limits of your existing phone data plan or trying to upload a perfect Instagram selfie during your trip to Italy, many of us can't resist the promise of free Internet from a public hot spot. Malicious hackers are aware of this and set up fake public Wi-Fi hot spots to lure users and steal their data.</p> <p>Main targets are commuters doing work and exposing valuable information, such as lists of clients, business expense accounts, and invoices. If you think getting your identity stolen is bad, imagine exposing that of your clients or coworkers to cyber criminals. And those hackers don't have to be anywhere close to you: They can be <a href="http://abcnews.go.com/Business/story?id=3454066&amp;page=1">up to 100 feet</a> away and still get away with your identity.</p> <h3>How to Prevent It</h3> <p>Only activate your Wi-Fi port when you're about to connect to a known and secure Wi-Fi. Whenever possible, check the authenticity of a hot spot. For example, ask the reception desk attendant at a hotel or check billboards at a mall.</p> <p>When using public Wi-Fi connections, don't visit sites related to your personal finance. If you absolutely must use a public Wi-Fi for work, only do so by connecting through your company's Virtual Private Network (VPN) to encrypt all data during your session.</p> <h2>3. Email</h2> <p>You don't need to be a major celebrity for somebody to try hacking your email account. All it takes is the suspicion that you may have a lot of financial assets or are in the process of a major financial transaction, such as closing a mortgage, executing an estate, or applying for a student loan.</p> <p>While you may think that it takes really complicated hacking skills to decipher a password, the harsh reality is that most people use the simplest of passwords. According to a <a href="http://gizmodo.com/the-25-most-popular-passwords-of-2015-were-all-such-id-1753591514">list of over two million leaked passwords</a>, the top five passwords of 2015 were:</p> <ol> <li>123456</li> <li>password</li> <li>12345678</li> <li>Qwerty</li> <li>12345</li> </ol> <p>Internet uses don't learn from their mistakes: The top two most commonly used passwords of 2015 were also the top two of the list from the previous year. Even worse, nearly three out of four individuals <a href="https://www.entrepreneur.com/article/246902">use the same password</a> for multiple accounts. By unlocking your email password, hackers have a good chance of getting a hold of your other online accounts.</p> <h3>How to Prevent It</h3> <p>Microsoft recommends using passwords that:</p> <ul> <li>Are at least <a href="https://blogs.microsoft.com/microsoftsecure/2014/08/25/create-stronger-passwords-and-protect-them/">eight characters</a> in length;<br /> &nbsp;</li> <li>Don't contain your username, real name, or company name;<br /> &nbsp;</li> <li>Don't spell out complete words (sorry sports fans: football and baseball were #7 and #10 in the list of most commonly stolen passwords);<br /> &nbsp;</li> <li>Are significantly different from previous passwords; and<br /> &nbsp;</li> <li>Are different from passwords used on other websites.</li> </ul> <p>Also, don't use your email to store documents containing sensitive information, such as your social security number or credit card number. If you need to exchange such documents, do so through the encrypted online portal of your financial institution. You'll know it's encrypted when the URL bar shows a &quot;HTTPS.&quot;</p> <p>Finally, learn to identify the meanings of the potential types of padlocks that your web browser uses, such as the <a href="https://support.mozilla.org/en-US/kb/how-do-i-tell-if-my-connection-is-secure">green and gray padlocks of Mozilla Firefox</a>.</p> <p>Better safe than sorry.</p> <p><em>Have you ever been a victim of identity theft?</em></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/3-sneaky-ways-identity-thieves-can-access-your-data">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/what-is-your-auto-reply-email-telling-people-about-you">What Is Your Auto-Reply Email Telling People About You?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-weird-ways-to-keep-you-and-your-stuff-safe">7 Weird Ways to Keep You and Your Stuff Safe</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-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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/phishing-scams-continue-to-plague-social-media-sites">Phishing Scams Continue to Plague Social Media Sites</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/your-ssn-can-now-be-accurately-guessed-using-date-and-place-of-birth">Your SSN Can Now Be Accurately Guessed Using Date and Place of Birth</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> General Tips Technology bank statements email free wi-fi identity theft Internet loan applications mail theft passwords protection scams security Thu, 01 Sep 2016 09:00:05 +0000 Damian Davila 1780042 at http://www.wisebread.com 9 Ways Siri Can Be Your Personal Finance Assistant http://www.wisebread.com/9-ways-siri-can-be-your-personal-finance-assistant <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-ways-siri-can-be-your-personal-finance-assistant" 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_city_64632093.jpg" alt="Man finding ways Siri can be his personal finance assistant" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We're still a few years away from having personal robot assistants, but voice-activated applications on most modern smartphones are already making our lives easier. Apps like Apple's Siri or Microsoft's Cortana can be helpful in a number of ways, and are particularly useful as personal finance helpers.</p> <p>I personally use Siri a lot to help me <a href="http://www.wisebread.com/the-personal-finance-letter-id-write-to-my-younger-self" target="_blank">stay on track with my finances</a>, and I am always surprised at how much the app can help me get information without the need to even type or search the web myself.</p> <p>Siri won't make you rich, but it can help you be smarter about your finances without a lot of work. Check out these personal finance tasks that Siri and similar apps can help you with.</p> <h2>1. Check Stocks</h2> <p>It's easy to use Siri to track the performance of your investments or the overall stock market. Just say, &quot;I need the stock price for Apple,&quot; and Siri will tell you the price and the daily movement. It's also an easy way to check on the ticker symbol.</p> <h2>2. Helping You Calculate the Best Bargain</h2> <p>Quick, what's a better deal? Three 20-ounce cans of juice for $6, or four 24-ounce cans for $9? To find out, you'll need to calculate prices on a per-ounce basis. Asking Siri to perform some simple math will help you learn that the second deal is a little bit better.</p> <h2>3. Driving Directions</h2> <p>Yes, accurate driving directions can help you with your finances. That's because you can plan trips to ensure the shortest route, thus saving you gas. You can also find routes to avoid tolls and bad traffic.</p> <h2>4. Finding the Nearest ATM</h2> <p>You need cash right away, but you'd rather not go to the first ATM you see, because it may not be tied to your bank. To avoid a fee, you can ask Siri to find you the nearest branch of your bank or a surcharge-free ATM.</p> <h2>5. Research Food Ingredients</h2> <p>When you're at the grocery store, you may come across products that like to tout certain ingredients, and you sometimes pay a premium for them. (&quot;Sweetened with agave nectar!&quot;) Before you buy, you may want to do a little bit of research on what these ingredients are and whether they are worth paying extra for. Siri and similar apps can help you with this.</p> <h2>6. Set Reminders</h2> <p>You never want to be late paying your bills, and you don't want to be charged for missing things like doctor's appointments. You can use Siri to remind you of important things. All you need to do is tell Siri what you want to be reminded about, and when. (&quot;Remind me to finish this article for Wise Bread at 10 p.m.&quot;) There's even location-based reminders, like &quot;Remember to mail the mortgage check when you are near the post office.&quot; You can also use Siri to adjust or create to-do lists on your phone.</p> <h2>7. Figure Out Tips</h2> <p>What's 18% of $43.95? And how can you split that four ways? Siri can help you. Siri will even know local taxes, to help you calculate checks before they even come.</p> <h2>8. Find Out How Much Things Cost</h2> <p>Using Siri, you can look up pricing information for a wide range of products. If you simply ask &quot;Find me prices for a Toyota Corolla,&quot; it will provide you MSRP and invoice prices, plus other related charges, and even shows a chart with historical price information. It's still not easy to do true comparison shopping, but you'll learn enough to know if a particular store is trying to rip you off.</p> <h2>9. Find Budgeting Apps</h2> <p>If you need some extra personal finance help from your smartphone, Siri can help you find it. A simple query like, &quot;Find me some budgeting apps,&quot; will give you a list of saving and money management apps from the app store.</p> <p><em>How do you use Siri or Cortana or Google Now to help you stay on top of your finances?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/9-ways-siri-can-be-your-personal-finance-assistant">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/could-the-chromebook-crush-windows">Could the Chromebook Crush Windows?</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-meditation-can-make-you-a-money-master">6 Ways Meditation Can Make You a Money Master</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/12-easy-ways-to-wake-up-richer-tomorrow-than-you-are-today">12 Easy Ways to Wake Up Richer Tomorrow Than You Are Today</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/21-things-that-young-adults-absolutely-need-to-know-about-money">21 Things That Young Adults Absolutely Need to Know About Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/heres-what-your-vote-says-about-your-money-style">Here&#039;s What Your Vote Says About Your Money Style</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Technology apple Cortana Google investing Microsoft saving Siri smartphone tools Fri, 26 Aug 2016 10:30:15 +0000 Tim Lemke 1778728 at http://www.wisebread.com Turn Old Clothes Into Money With These 4 Tools and Apps http://www.wisebread.com/turn-old-clothes-into-money-with-these-4-tools-and-apps <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/turn-old-clothes-into-money-with-these-4-tools-and-apps" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_43524688_MEDIUM.jpg" alt="use these apps to get money for old clothes" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A great way to make extra side cash is to clean out your closet and sell clothes you no longer wear. Not only will you make a few bucks, but you will also benefit from decluttering.</p> <p>Getting top dollar for your used clothing can be tricky, especially if you try to sell your clothes at a yard sale or through a Facebook selling group. Instead, try these top sites and apps to make more on your old threads.</p> <h2>1. eBay</h2> <p>Let's start with the most obvious: eBay. It can be a hit or miss for selling clothing. I have listed several higher-end brand name items, such as a rare pair of True Religion jeans, but felt like they did not sell as well as they could have. However, other brands have sold better than I expected. I listed an Old Navy peacoat last winter with the assumption that anything is better than selling it for $2 at a garage sale. The coat sold for almost $40, which was more than I originally paid.</p> <p>So check the recent selling prices for clothing like yours. You can do this by dropping your item into the search box, clicking &quot;advanced,&quot; and then check sold listing and hit &quot;search&quot; again. This will allow you to see every similar item that sold in the past 30 days and give you a better idea of how much you can make on your item.</p> <h2>2. Poshmark</h2> <p>Business Insider shared a story of one <a href="http://www.businessinsider.com/how-a-mom-earned-500000-on-poshmark-2015-11">mom who made $50,000</a> from selling clothes on <a href="https://poshmark.com/what_is_poshmark">Poshmark</a> last year. With PoshMark, you get to set your prices, and listing is as easy as listing on eBay. However, unlike eBay, shoppers prefer better quality photo listings. However, don't let your photo skills keep you from trying the app out.</p> <h2>3. Tradesy</h2> <p><a href="https://www.tradesy.com/">Tradesy</a> is another easy-to-use site that allows you to set your price points for clothes. The site also makes shipping items simple, since the company sends you free shipping boxes and prepaid labels.</p> <p>Tradesy charges a 9% commission and a 2.9% fee if you transfer your earnings to PayPal. And if a buyer decides to return an item, Tradesy will accept the return and allow you to keep your earnings.</p> <p>See also: <a href="http://www.wisebread.com/make-money-and-declutter-by-selling-these-5-unlikely-treasures?ref=seealso">Make Money and Declutter by Selling These 5 Unlikely Treasures</a></p> <h2>4. ThredUp</h2> <p>Don't feel like listing each of your clothing items for sale? No problem. <a href="https://www.thredup.com/">ThredUp</a> allows you to cash in on your clothing with as little effort as possible. All you have to do is sign up for an account and request a free bag from the site. Once your bag arrives, fill it with acceptable items and then seal it. Attached to the bag is a prepaid shipping label, so you can drop it off at the post office or request an at-home pick up.</p> <p>ThredUp is extremely convenient and fast to use, but with that convenience comes a couple minor drawbacks. For example, your items will probably not get you as much as you hoped for. You can request your unaccepted items back, but this will cost $9.99 and it must be selected before you order your bag. It also takes a few weeks for the ThredUp team to process the bags they've received, so you won't get a payout immediately. Still, it's better than having the clothes collect dust in your closet, right?</p> <p><em>Where do you sell your used clothes when you are done with them? Share with us</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/turn-old-clothes-into-money-with-these-4-tools-and-apps">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/10-easiest-items-to-flip-for-cash">10 Easiest Items to &quot;Flip&quot; for Cash</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-for-the-tech-challenged-traveler">7 Apps for the Tech-Challenged Traveler</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/prizes-and-freebies-from-coupsmart-for-the-iphone">Prizes and Freebies from CoupSmart for the iPhone</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/clear-out-that-clutter-15-places-to-sell-your-stuff">Clear Out That Clutter: 15 Places to Sell Your Stuff</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Technology apps clean out closet closet clutter clothes declutter sell your clothes sell your stuff technology tools Mon, 22 Aug 2016 10:30:14 +0000 Ashley Eneriz 1775889 at http://www.wisebread.com The 5 Best Gaming Mice http://www.wisebread.com/the-5-best-gaming-mice <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-gaming-mice" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/21039103.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The right gaming mouse can help you dominate any game by offering faster response times, higher sensitivity, and peak efficiency. However, they can be very expensive, often costing hundreds of dollars. That&rsquo;s why we&rsquo;ve found some of the best ones available; in order to help you unleash your best gamer, without breaking the bank.</p> <h2>What Is a Gaming Mouse?</h2> <p>A gaming mouse is a desktop mouse with additional programmable buttons, macros, software, and features that are suited to computer gaming. You&rsquo;ll want something that can last and that you can comfortably use for hours, in the event of a tournament. A gaming mouse is typically used for gaming, but it can actually help you get work done more efficiently as well. (See also: <a href="http://www.wisebread.com/the-5-best-computer-mice?ref=seealso">The 5 Best Computer Mice</a> and <a href="http://www.wisebread.com/the-5-best-bluetooth-mice?ref=seealso">The 5 Best Bluetooth Mice</a>)</p> <h2>Top 5 Gaming Mice</h2> <h3>Razer DeathAdder Chroma Ergonomic Gaming Mouse</h3> <p><a href="http://amzn.to/2b5kYrc"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/razer.jpg" width="126" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2b5kYrc">Razer DeathAdder Chroma Multi-Color Ergonomic Gaming Mouse</a> is Amazon&rsquo;s #1 best-seller in Mac gaming mice and is Amazon&rsquo;s Choice for gaming mice. This works right out of the box, so you won&rsquo;t need to worry about installing software or setting up an internet connection. It has ultra-accurate precision, 10,000 DPI optical sensors, and advanced tracking analytics. It offers stats and automatically generated heatmaps to track all of your clicks and movements.</p> <p>It has an ergonomic design with textured rubber side grips and is very lightweight, allowing for smooth movement. It works well for right-handed, left-handed, and ambidextrous players, and is the ideal shape for palm or claw grips. It has five independently programmable Hyperesponse buttons and on-the-fly sensitivity adjustment. It cycles through the entire spectrum of 16.8 million customizable color options and gently pulses in the colors of your choosing every seven seconds.</p> <p>This mouse has more than 1,300 five-star reviews on Amazon and is recommended by professional gamers and top eSports athletes around the world. It is also recommended by PCWorld and TechRadar, is the top pick on The Wirecutter, was selected as the Best Gaming Mouse by PC Gamer, and won PCMag&rsquo;s 10 Best Gaming Mice of 2016.</p> <p><a href="http://amzn.to/2b5kYrc"><em>Currently $53.99 on Amazon</em></a></p> <h3>Logitech Wireless Gaming Mouse</h3> <p><a href="http://amzn.to/2b5lVzS"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/logitech.jpg" width="158" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2b5lVzS">Logitech G602 Wireless Gaming Mouse with 250-Hour Battery Life</a> is part of Amazon&rsquo;s electronics gift guide and an Amazon best-seller. The full-speed, lag-free wireless mouse has 11 programmable buttons, for single actions or intricate macros. The high-quality mouse has textured grips on both sides and six thumb buttons. It features power-saving, high-accuracy Delta Zero sensor technology, a high-definition optical sensor, adjustable 2500 dpi maximum resolution, and accurate cursor control. It offers up to 250 hours of battery life in Performance mode or 1440 hours in Endurance mode. There is also a battery life indicator, so you can always change it with plenty of time. This works with Windows 10, Windows 8, Windows 7, Windows Vista, and Mac OS X 10.6.8 or higher.</p> <p>This beloved mouse has more than 1,000 five-star reviews on Amazon and is recommended by professional gamers. Logitech offers a number of renowned gaming mice, so you&rsquo;re sure to be happy with any of them. The Wirecutter also recommends the <a href="http://amzn.to/2b5m1at">Logitech G502 Proteus Spectrum RGB Tunable Gaming Mouse</a>.</p> <p><a href="http://amzn.to/2b5lVzS"><em>Currently $54.98 on Amazon</em></a></p> <h3>Corsair Vengeance Performance FPS Gaming Mouse</h3> <p><a href="http://amzn.to/2b4JqvT"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/corsair.jpg" width="162" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2b4JqvT">Corsair Vengeance M65 Performance FPS Gaming Mouse</a> features an 8200 DPI laser sensor, eight programmable buttons, a dedicated sniper button, and an adjustable weight system. It also features a selectable response time, precise tracking, and advanced customization and control. The low-mass aluminum unibody design is ergonomic, lightweight, and features soft-touch materials, a high-mass scroll wheel, and PTFE glide pads.</p> <p>The durable mouse is backed by a two-year warranty for your peace of mind. It is recommended by PCMag and TechRadar, and won Tom&rsquo;s Guide&rsquo;s list of &ldquo;Best Gaming Mice of 2016.&rdquo;</p> <p><a href="http://amzn.to/2b4JqvT"><em>Currently $93.94 on Amazon</em></a></p> <h3>Redragon DPI Gaming Mouse for PC</h3> <p><a href="http://amzn.to/2bxefqS"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/redragon.jpg" width="220" height="189" align="right" alt="" /></a>Don&rsquo;t let the ultra-affordable price of the <a href="http://amzn.to/2bxefqS">Redragon M601 CENTROPHORUS-2000 DPI Gaming Mouse</a> fool you; this is an outstanding value and won&rsquo;t feel like a &ldquo;cheap&rdquo; mouse. It has a 2000 DPI sensor, six optimized buttons, two programmable side buttons, and an eight-piece weight tuning set. The high-quality PC mouse features a contoured body and has a high-strength braided fiber wire, antiskid scroll wheel, durable smooth TEFLON feet pads, and red backlighting. It supports Windows 10, 8, 7, Vista, XP or later operating systems.</p> <p>This is an Amazon best-seller and has outstanding online reviews, including more than 2,200 five-star reviews on Amazon. If this one isn&rsquo;t right for you, consider the <a href="http://amzn.to/2bq63ga">Redragon M901 PERDITION 16400 DPI High-Precision Programmable Laser Gaming Mouse</a>.</p> <p><a href="http://amzn.to/2bxefqS"><em>Currently $13.99 on Amazon</em></a></p> <h3>Mad Catz R.A. T. TE Tournament Edition Gaming Mouse</h3> <p><a href="http://amzn.to/2b5mg5v"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/mad%20catz.jpg" width="189" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2b5mg5v">Mad Catz R.A. T. TE Tournament Edition Gaming Mouse for PC and Mac</a> is one of the lightest gaming mice you can find. The lightweight ergonomic mouse features a translucent chassis and agile baseplate, quiet PTFE feet, and can adapt to your hand size and grip technique. The Laser Doppler sensor has four user-definable DPI settings range from 100 to 8200. It also has high-speed motion detection, adjustable liftoff height, and quick reaction times. The precise gaming mouse features nine programmable buttons over three modes, oversized precision aim button, cutting-edge features, cursor sensitivity adjustment, and enhanced sensor tracking.</p> <p>This comes in a range of colors to meet your preferences. It is a PC Gamer Editor&rsquo;s Choice Winner because they found it the best choice for the serious twitch-gamer. If money is no object and you only want the best, consider the <a href="http://amzn.to/2bq7cEs">Mad Catz R.A.T. PRO X Ultimate Gaming Mouse with PixArt ADNS-9800 Laser Sensor Module for PC</a>.</p> <p><a href="http://amzn.to/2b5mg5v"><em>Currently $43.99 on Amazon</em></a></p> <p>And those are our recommendations for the best gaming mice. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-gaming-mice">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-cast-iron-skillets">The 5 Best Cast Iron Skillets</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-glass-cleaners">The 5 Best Glass Cleaners</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-dandruff-shampoos">The 5 Best Dandruff Shampoos</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-hand-lotions">The 5 Best Hand Lotions</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Shopping Technology 5 best gamer gaming mouse product reviews shopping tech gadgets Fri, 19 Aug 2016 09:30:39 +0000 Andrea Cannon 1775200 at http://www.wisebread.com With Micro-Investing, Your Smartphone Pays YOU http://www.wisebread.com/with-micro-investing-your-smartphone-pays-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/with-micro-investing-your-smartphone-pays-you" 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_93826397.jpg" alt="Woman using micro-investing and getting her phone to pay her" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Approximately two-thirds of Millennials do not have any money invested in the stock market due to concerns about risk, putting them at a distinct disadvantage when it comes to retirement. Without regular returns and compound interest, young professionals will need to sock away a much larger amount of <a href="http://www.wisebread.com/are-you-making-the-biggest-investment-risk-of-all">money to retire</a>.</p> <p>But new, micro-investing apps can help Millennials dip their toes into the stock market. Because the invested amounts are small, and the apps make investing accessible, young adults are more likely to start contributing money and earning returns.</p> <h2>What Is Micro-Investing?</h2> <p>Micro-investing, where users invest tiny amounts of money on a regular basis, allows people to start investing with relatively small sums. Some brokerages have investment minimums as high as $1,000; for those just starting out or battling debt, coming up with that first $1,000 can be overwhelming.</p> <p>With micro-investing, your account is linked to your debit card or bank account. Every time you make a purchase, such as your morning coffee, the apps round up the purchase and the difference is invested in stocks. While the amounts are negligible and you are likely not even going to notice the withdrawals from your account, small investments build over time and help you develop the habit of saving and investing.</p> <p>These innovative apps and platforms make investing simple and easy to do, even if you are new to financial management.</p> <h2>Acorns</h2> <p><a href="http://track.linkoffers.net/a.aspx?foid=26166697&amp;fot=9999&amp;foc=1">Acorns</a>' name is derived from the saying &quot;From little acorns mighty oaks grow.&quot; Its goal is to empower people to build a large nest egg from small, regular investments. The app links to any credit card or debit card. When you make a purchase, the app rounds up and deposits your change into a portfolio of exchange-traded funds (ETFs). There are different portfolios available depending on your risk tolerance, from conservative to aggressive. If you do not know where to begin, Acorns also provides recommendations based on your age and target retirement date. There are no minimum account balances or commission fees, but there is a monthly cost of $1 and a management fee of 0.5%.</p> <h2>Robin Hood</h2> <p><a href="https://www.robinhood.com/">Robin Hood</a> is one of the few apps that offers zero-commission stock trading. It features a simple and intuitive design and allows you to connect to your bank account and make recurring deposits. You can shop for specific stocks or sell shares directly from your phone. Each day, the menu will show you how much you have earned on the market. Once you are ready to withdrawal money, the funds are easily transferred to your bank with the touch of a button.</p> <h2>Stash</h2> <p><a href="https://www.stashinvest.com/">Stash</a> is one of the newest apps on the market. Their motto is if you have $5, two minutes, and a phone, you can be an investor. It is a tool that allows you to buy fractional shares, rather than having to pay the entire amount for a single share yourself. You can pick investments based on what is <a href="http://www.wisebread.com/a-simple-guide-to-socially-responsible-investing">important to you</a>, such as clean energy or fair trade. Stash is free for the first three months, then charges $1 a month with no commissions.</p> <p>For Millennials spooked by the stock market and traditional stock market investments, micro-investing apps can be a useful tool to help them test the waters and get used to regular investing. These apps enable users to start investing with just small amounts, eliminating one of the main barriers to entering the stock market. With regular contributions and patience, over time, these small amounts can grow to substantial amounts of money.</p> <p><em>Are you a micro or macro investor?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/with-micro-investing-your-smartphone-pays-you">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/8-money-moves-to-make-before-you-start-investing">8 Money Moves to Make Before You Start Investing</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-reasons-millennials-should-stop-being-afraid-of-the-stock-market">7 Reasons Millennials Should Stop Being Afraid of the Stock Market</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/are-you-making-the-biggest-investment-risk-of-all">Are You Making the Biggest Investment Risk of All?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-ways-technology-makes-personal-finances-easier">3 Ways Technology Makes Personal Finances Easier</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/beginners-guide-to-reading-a-stock-table">Beginner&#039;s Guide to Reading a Stock Table</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Investment Technology fractional shares micro-investing millennials retirement savings rounding up spare change stock market Mon, 15 Aug 2016 10:00:07 +0000 Kat Tretina 1771547 at http://www.wisebread.com 9 High-Paying Jobs That Didn't Exist 10 Years Ago http://www.wisebread.com/9-high-paying-jobs-that-didnt-exist-10-years-ago <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-high-paying-jobs-that-didnt-exist-10-years-ago" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_90052683_MEDIUM.jpg" alt="technology has created some great high-paying jobs" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Is your 9-to-5 job suffocating you? Tired of working a low-paying, high stress job? Have you been watching in horror as your industry slowly dies around you? Now might be the time to replace your dead-end job with a shiny, new, and potentially lucrative career.</p> <p>While you can certainly dive into a traditional career (doctor, lawyer, teacher), why not check out a newer job prospect? Over the last decade, advances in technology, changes in government policy, and shifts in social norms have gradually led to the birth of new careers. Here are nine jobs that didn't exist 10 years ago. (See also: <a href="http://www.wisebread.com/escape-your-dying-industry-with-one-of-these-8-careers-instead?ref=seealso">Escape Your Dying Industry With One of These 8 Careers, Instead</a>)</p> <h2>1. App Developer</h2> <p>In 2008, software developers created&nbsp;<a href="http://www.statista.com/statistics/263795/number-of-available-apps-in-the-apple-app-store/">800 applications for the Apple app store</a>. In less than 10 years, the number of apps available on the Apple App store has ballooned to 2,000,000. The popularity of applications created the need for a new specialization within the software development community: the app developer. App developers are responsible for developing, creating, and modifying the application software. In May of 2015, the Bureau of Labor Statistics (BLS) estimated that there were&nbsp;<a href="http://www.bls.gov/oes/current/oes151132.htm">747,730 app developer jobs</a>. And the mean hourly wage for the position is $49.12.</p> <h2>2. Data Scientist</h2> <p>Businesses utilize free store Wi-Fi and cameras to track customer movements, information received from credit card purchases, and mobile payments to delve into <a href="http://onlinemasters.ohio.edu/how-your-data-is-being-used/">customer behavior and patterns</a>. Information gained from the data can help businesses determine what to stock, how often to send out coupons, what to set the price to, and how product placement will influence customers. Data scientists are the people that collect data from individual sources, analyze the data for patterns, and make recommendations based on that data to managers and executives.</p> <p>Data scientists make a <a href="http://www.payscale.com/research/US/Job=Data_Scientist,_IT/Salary">median salary of $91,146</a>. And individuals who aren't lucky enough to make the median salary make at least $63,000 a year.</p> <h2>3. Ebook Editor</h2> <p>In 2007, the first major e-reading devices hit the shelves. For the first time, readers could have an entire library of books at their fingertips anywhere they went. The creation of ebooks not only changed how people could read, but it also made it easier for writers to self-publish their work. Amazon's Direct Publishing program, for example, will publish an author's work for free and provide royalties based on how many people purchase the book.</p> <p>The increase in writers self-publishing led to a new career and freelance opportunity: ebook formatting and editing. Formatters set up the backend HTML of the ebooks to ensure that the author has a professional ebook as they go through the publication process. Professionals within this field tend to charge anywhere from $50 to $200 dollars per book.</p> <h2>4. Geriatric Care Managers</h2> <p>Over the last decade, a large number of the United States population have reached the stage where they can no longer live entirely alone without help. This has left a large number of families with the difficult task of ensuring that their elderly loved ones have all the care that they need. The job entails analyzing what type of care and services are required, making a care plan, dealing with the technical details of setting up required services, and continuing to monitor the quality of the current care plan provided.</p> <p>This profession requires at least a Bachelor's degree in a field related to care management (nursing, mental health, counseling, etc.). Once you have the degree, you can become&nbsp;<a href="http://www.aginglifecare.org/ALCA/About_Aging_Life_Care/Certification_and_Professional_Conduct/ALCA/About_Aging_Life_Care/Certification_and_Professional_Conduct.aspx">certified in care management</a>. According to PayScale, the median salary for&nbsp;<a href="http://www.payscale.com/research/US/Job=Geriatric_Care_Manager/Salary">geriatric care managers</a> is $47,693.</p> <h2>5. Genetic Counselor</h2> <p>Health care has gradually moved toward a patient-centered care format. In a nutshell, this focus tries to foresee, prevent, and manage illnesses to prevent costly hospitalization. Genetic counselors are a new addition to the health care field in the wake of this industry philosophy change. They dive into an individual's personal history to assess the potential for genetic disorders or birth defects in future offspring, as well as the development of genetic diseases in adults.</p> <p>The job requires a Master's degree in genetic counseling or genetics. According to the BLS, genetic counselors can&nbsp;<a href="http://www.bls.gov/ooh/healthcare/genetic-counselors.htm">make up to $72,090</a>. The current pool of available jobs as of 2014 was only 2,400, but the career is prospected to grow by 29% by 2024.</p> <h2>6. Information Security Analyst</h2> <p>Implementing good cyber security plans is a vital aspect of any business plan. The Internet has made the potential for cyber criminals to steal vital business or patient information incredibly high. Information security analysts protect companies from cyber threats by conducting security threat assessments, planning how to protect the company from threats, and implementing the new security measures to protect the company's network.</p> <p>The median salary, according to the BLS,&nbsp;<a href="http://www.bls.gov/ooh/computer-and-information-technology/information-security-analysts.htm">as of 2015 was $90,120</a>. There are currently 82,900 information security analyst jobs. That number is projected to grow 18% by 2024.</p> <h2>7. Medical Records and Health Informatics Technician (HIT)</h2> <p>Technology has radically changed the health care field in the last few years. One of the major changes is the implementation of electronic health records to track patient care and patient history to improve the quality and safety of care.</p> <p>Health informatics professionals are the people who plan, implement, and maintain EHR systems. On top of their <a href="http://healthinformatics.uic.edu/resources/infographics/the-intersection-of-healthcare-and-it/">EHR duties</a>, professionals often deal with billing, create multimedia projects to educate patients, securely exchange electronic health information between care providers, and research health care trends.</p> <p>According to the BLS, median pay for&nbsp;<a href="http://www.bls.gov/ooh/healthcare/medical-records-and-health-information-technicians.htm">HIT professionals</a> is $37,110. As of 2014, there were 188,600 jobs. There is expected to be a 15% growth which will result in 29,000 more jobs by 2024.</p> <h2>8. Social Media Specialist</h2> <p>The major social media platforms like Facebook and Twitter hit the scene in the early 2000s. As more people started using them, businesses began to realize that they could be an easy way to connect with the public. Thus, the need for social media specialists were born.</p> <p>Social media specialists are responsible for maintaining all of a company's social media platforms, interacting with potential customers online, crafting a social media strategy to attract more customers or clients, and analyzing social media data metrics. According to PayScale, median <a href="http://www.payscale.com/research/US/Job=Social_Media_Specialist/Salary">salary for social media specialists</a> is $40,821.</p> <h2>9. YouTubers</h2> <p>YouTube was founded in 2005. But It wasn't until the last 10 years that individuals with YouTube channels started making their video creation efforts a profitable endeavor.</p> <p>There are various strategies that YouTubers utilize to monetize their videos. YouTube allows video creators to monetize their videos with ads, or engage in affiliate marketing with companies within the video. Individual gets paid when viewers sign up for the product or make a purchase.</p> <p><em>What other jobs didn't exist 10 years ago? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/samantha-stauf">Samantha Stauf</a> of <a href="http://www.wisebread.com/9-high-paying-jobs-that-didnt-exist-10-years-ago">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/how-to-use-snapchat-in-your-job-search">How to Use Snapchat in Your Job Search</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-great-jobs-that-dont-pay-much">15 Great Jobs That Don&#039;t Pay Much</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/escape-your-dying-industry-with-one-of-these-8-careers-instead">Escape Your Dying Industry With One of These 8 Careers, Instead</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-careers-that-pay-women-more-than-men">7 Careers That Pay Women More Than Men</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 high-paying jobs job search jobs modern jobs modern technology salary side job social media Mon, 15 Aug 2016 09:00:08 +0000 Samantha Stauf 1770723 at http://www.wisebread.com Best Money Tips: Save Your Phone's Battery By Doing These Things http://www.wisebread.com/best-money-tips-save-your-phones-battery-by-doing-these-things <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-save-your-phones-battery-by-doing-these-things" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_phone_battery_75896303.jpg" alt="Woman saving her phone&#039;s battery by doing these things" 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 save your phone battery, dorm room essentials for the dollar store, and simple tricks for saving money at Target.</p> <h2>Top 5 Articles</h2> <p><a href="http://www.shebudgets.com/home-organizing/tips-hacks/simple-tips-save-iphone-battery-charging-isnt-possibility/70723">Simple Tips to Save Your iPhone Battery When Charging Isn&rsquo;t A Possibility</a> &mdash; Turn on lower power mode. When your battery is down to about 20%, this setting kicks in and temporarily turns off many of the apps and functions that use up the most power. [SheBudgets]</p> <p><a href="http://www.cheapism.com/blog/dollar-store-dorm-room-essentials-14204/">20 Dorm Room Essentials From the Dollar Store</a> &mdash; It can be frustrating when you need to open canned food but you don't have a can opening, so come prepared! Most dollar stores have basic manual can openers for $1-$3. [Cheapism]</p> <p><a href="http://bargainbabe.com/two-simple-tricks-saving-money-at-target/">Two Simple Tricks for Saving Money at Target</a> &mdash; Need something from Target? Order it online and choose store pickup. You'll be able to get in, get out with your stuff, and avoid $50s worth of impulse purchases. [Bargain Babe]</p> <p><a href="http://www.5dollardinners.com/pantry-staple-penny/">12 Pantry Staple Ingredients Every Penny Pincher Should Stock Up On</a> &mdash; Canned tomatoes and tomato sauce and paste are extremely versatile, high in nutrients, and will help stretch any budget. [$5 Dinners]</p> <p><a href="http://www.popsugar.com/smart-living/Benefits-Volunteering-Co-Workers-41560142">The 1 Thing You Should Be Doing With Your Co-Workers but Probably Aren't</a> &mdash; A team outing to volunteer can bring co-workers together and allow them to spend productive time that isn't work-driven. [PopSugar Smart Living]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.cashthechecks.com/4-ways-millennials-can-start-building-future/">4 Ways Millennials Can Start Building Their Future</a> &mdash; Learn a second language! Knowing another language will set you apart from other candidates for a new job or position. [Cash The Checks]</p> <p><a href="http://www.cashthechecks.com/4-ways-millennials-can-start-building-future/">5 Questions to Ask Yourself Before Moving Out on Your Own</a> &mdash; Will you be able to furnish your new place? If you don't already have furniture, check out thrift stores and selling apps for cheaper options. [Money Mini Blog]</p> <p><a href="http://everythingfinanceblog.com/18074/use-debt-to-your-advantage.html">How to Strategically Use Debt to Your Advantage</a> &mdash; Not all debt is bad, especially if it can help you further your education and career. [Everything Finance]</p> <p><a href="http://moneyqanda.com/tech-addiction-dangerous-to-your-wallet/">How Tech Addiction Can Be Dangerous for Your Wallet</a> &mdash; Watching videos can eat up your data plan and make you vulnerable to overage charges. [Money Q&amp;A]</p> <p><a href="http://parentingsquad.com/6-ways-to-help-your-child-deal-with-back-to-school-anxiety">6 Ways to Help Your Child Deal With Back-to-School Anxiety</a> &mdash; If your child is anxious about going back to school, talk to them about it. You need to know what is bothering them before you can address the problem. [Parenting Squad]</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-save-your-phones-battery-by-doing-these-things">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/how-to-get-netflix-and-hulu-to-play-on-your-tv">How to Get Netflix and Hulu to Play on Your TV</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-questions-you-should-ask-before-hiring-a-robo-adviser">9 Questions You Should Ask Before Hiring a Robo-Adviser</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-best-sites-to-help-your-kids-learn-about-money">8 Best Sites to Help Your Kids Learn About Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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-5 views-row-odd views-row-last"> <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> </ul> </div> </div> </div> </div><br/></br> Technology best money tips phone batter Thu, 11 Aug 2016 10:00:04 +0000 Amy Lu 1769869 at http://www.wisebread.com 6 Surprising Things You Still Can't Do Online in 2016 http://www.wisebread.com/6-surprising-things-you-still-cant-do-online-in-2016 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-surprising-things-you-still-cant-do-online-in-2016" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_20643848_LARGE.jpg" alt="you still can&#039;t do these things online" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's 2016. The digital age, right?</p> <p>Well, that's mostly true. There are more and more things that we can do online. And it's nice. Who wants to spend time standing in line when you can take care of business from the comfort and privacy of your own home?</p> <p>Still, every once in awhile, you run into something you can't actually do on the Internet. Here are the things I've found that you still have to do in-person.</p> <h2>1. Use Food Stamps</h2> <p>It has recently come to light that people using food stamps <a href="https://www.washingtonpost.com/news/wonk/wp/2016/07/15/the-simple-change-that-could-get-affordable-food-to-the-poor-people-who-need-it/">cannot purchase groceries online</a>. This can keep those who live in food deserts from obtaining healthy, unprocessed food. There are some movements online to change this but, for the moment, you have to show up in-person to buy groceries via a government program. While it might be harder to eliminate food stamp fraud, allowing food stamp use online would allow many Americans to eat healthier.</p> <h2>2. Make DMV Changes</h2> <p>This can vary a bit from state-to-state, but many places will not allow you to do things like <a href="http://www.carsdirect.com/dmv/dmv-online-what-you-can-and-cant-do-online">change your address online</a>. While some states will let you fill out an online form to make the change, you will still have to print it out and either send it in or take it to the DMV to get the change into the system.</p> <p>Since you can't usually change your address online, I suppose it follows that you can't take the written driver's test online. While this makes sense in terms of eliminating test fraud and cheating, it means that every single person who wants to take the driving test needs to make an appointment, making for crowded DMVs in many states.</p> <h2>3. Apply for a U.S. Passport</h2> <p>Similarly, you can input all of the information you need to get a U.S. passport online, but you can't actually submit the form. For that matter, you can't pay for it online, either.</p> <p>When it comes to passports, you have to submit your old passport when you apply for a new one. This helps eliminate fraud and helps the government track the different passports you have had. Since you can't send your passport through the computer, the government asks you to send your whole application packet together, by old fashioned mail.</p> <h2>4. Vote</h2> <p>While you can register to vote online, you can't actually cast your vote that way. It seems like <a href="http://www.scientificamerican.com/article/when-will-we-be-able-to-vote-online/">it would be a positive move</a>: more people would participate in elections, and the overall cost of having an election would go down.</p> <p>However, voter fraud is a real thing. While there are probably some ways to implement online voting that would at least make fraud hard, the government hasn't invested itself there yet. Some states, like Colorado, are starting to send every registered voter an absentee ballot, though. That way, you can vote from the privacy of your own home, even if you have to send the ballot through the mail instead of the wires.</p> <h2>5. Pay Some Utility Bills</h2> <p>I don't know about you, but I still have a couple of utility bills that I can't pay online. Instead, I have to either send a check or pay by phone. You would think that even small companies would permit online payment, but there are still those that don't.</p> <p>It seems like this is more common with small utility companies, like the family-owned trash company that services my area, or rural ones. If you can't pay online, try giving them a call. <a href="http://www.wisebread.com/the-6-monthly-telecom-bills-you-can-negotiate">Paying by phone</a> is almost as easy, and many companies are more than happy to let you use your credit card that way, so you don't have to have checks in order to pay your bills.</p> <h2>6. Register a Birth Or a Death</h2> <p>While you can often request documentation of a birth or a death via the Internet, you can't actually register either online. Even U.S. citizens born in other countries have to visit an embassy (or have parents do so) before they can get an official U.S. birth certificate or passport. For children born in the U.S., it's usually enough to have a hospital verify the birth and submit the proper paperwork, so the family doesn't have to actually present the baby anywhere.</p> <p>When it comes to birth and death, the chances for fraud are very high. Even with all of the cyber security that's possible these days, more birth and death certificates would be fraudulently issued if the process was available online. When someone is held accountable for issuing these certificates, fraud is less likely.</p> <p><em>Have you run into anything you can't do online? Do you think that's a good decision or not?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/6-surprising-things-you-still-cant-do-online-in-2016">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-8"> <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-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-2 views-row-even"> <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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-favorite-mail-order-websites">10 Favorite Mail-Order Websites</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/get-a-deal-every-time-you-shop-with-these-tools">Get a Deal Every Time You Shop with These 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/3-reasons-why-buying-groceries-online-is-great">3 Reasons Why Buying Groceries Online Is Great</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Shopping Technology computer convenience dmv laptop online online shopping tech obsessed vote work from home Wed, 10 Aug 2016 10:00:09 +0000 Sarah Winfrey 1769233 at http://www.wisebread.com 7 Apps That Make Budgeting Fun — No Really! http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-apps-that-make-budgeting-fun-no-really" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_87637919_LARGE.jpg" alt="making budgeting fun with these apps" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Budgeting is not just essential for those who are trying to squeeze two pennies out of one. Tracking expenses and setting spending and savings goals is beneficial for anyone &mdash; no matter the amount of your paycheck.</p> <p>However, tracking every expenditure on paper or through a spreadsheet can be tedious and even cause us to forgo the healthy habit of budgeting a month in. These apps will take the pain and boredom from budgeting, and you might even have fun in the process. (See also: <a href="http://www.wisebread.com/one-simple-thing-you-can-do-to-start-budgeting-today?ref=seealso">One Simple Thing You Can Do to Start Budgeting Today</a>)</p> <h2>1. Pennies</h2> <p>One of the best things about using Pennies for iOS is that it allows a lot of flexibility. Many people do not work with a set salary and do not know their paycheck amount each pay period. Pennies allows users to create budgets that can be set for weekly, monthly, one-off, or payday budgets.</p> <p>Another benefit of this simple-to-use app is that you are presented with daily targets of what to spend and how your next day spending will be affected. Knowing a $5 latte will make your budget tight tomorrow might help you forgo unnecessary splurges.</p> <p>($1.99<a href="https://itunes.apple.com/app/apple-store/id916741290?mt=8"> iOS</a>)</p> <h2>2. Prosper Daily</h2> <p>How about a little competition? Prosper Daily is a free app that allows users to compete with their previous month's budget to see if they can do better in the current month. The app also connects to financial accounts and tracks spending effortlessly. There is no need to document every expenditure.</p> <p>Another benefit of Prosper Daily is that the app can protect users from suspicious account activity or duplicate charges. Since it is free, it is a smart idea to download this app just to use it for the account safeguarding feature alone.</p> <p>Note: Prosper Daily used to be known as &quot;BillGuard.&quot;</p> <p>(Free<a href="https://itunes.apple.com/us/app/billguard-money-tracking-credit/id602710567?mt=8"> iOS</a>,<a href="https://play.google.com/store/apps/details?id=com.billguard.android&amp;hl=en"> Android</a>)</p> <h2>3. CoinKeeper</h2> <p>The envelope system of budgeting is clever, but it can be such a hassle to use. Who wants to carry around different envelopes of cash everywhere with them? CoinKeeper allows users the same benefits of budget envelopes, but all at their fingertips. This is a great financial tool for tactile learners, since users can move coins and designate an amount to each area of their budget.</p> <p>(Classic version $5.99<a href="https://itunes.apple.com/us/app/coinkeeper-classic-personal/id471262606?mt=8"> iOS</a>, Free version<a href="https://itunes.apple.com/us/app/coinkeeper-personal-finance/id849747345?mt=8"> iOS</a>,<a href="https://play.google.com/store/apps/details?id=com.disrapp.coinkeeper.material&amp;hl=en"> Android</a>)</p> <h2>4. Digit</h2> <p>Waiting until the end of the month to deposit leftover money into a savings account is unwise. Usually, there is no money left by the end of the month. Instead, use an app like Digit to sock away a little bit of money throughout the month.</p> <p>The app cleverly connects to a user's checking accounts and looks for opportunities to transfer $5&ndash;$50 every two to three days to that user's savings account. However, you will not have to worry about overdraft fees, since the app never takes more than you can afford. The app also comes with a no-overdraft guarantee, which means the company will cover the fee up to two times per member.</p> <p>See also: <a href="http://www.wisebread.com/11-budgeting-skills-everyone-should-master?ref=seealso">11 Budgeting Skills Everyone Should Master</a></p> <p>(Free<a href="https://digit.co/"> iOS</a>)</p> <h2>5. Toshl</h2> <p>Monsters on a budgeting app? Yes, Toshl uses fun creatures and bright colors on its app interface. Toshl is a favorite app among many because it integrates with phone, tablet, and desktop devices. Toshl is easy to use and offers bill reminders, monthly budget summaries, as well as an easy way to export tracking to Excel.</p> <p>(Free<a href="https://itunes.apple.com/app/toshl-finance/id921590251?mt=8"> iOS</a>,<a href="https://play.google.com/store/apps/details?id=com.thirdframestudios.android.expensoor"> Android</a>)</p> <h2>6. BUDGT</h2> <p>Don't let variable income keep you from keeping track of how much you make and how much you spend. BUDGT works well with variable income and allows you to easily input expenses and track how much money is left. The best part is that the app is simple and easy to use. It might take a few days to get into the habit of inputting your expenses, but once you get used to it, it can be a healthy habit to transform your spending.</p> <p>($1.99<a href="https://itunes.apple.com/us/app/budgt/id580812126?mt=8"> iOS</a>)</p> <h2>7. Mvelopes</h2> <p>Similar to CoinKeeper, Mvelopes is a digital version of envelope-based budgeting. The free version can be downloaded on iOS and Android phones, but to get the full, deluxe version, there will be a one-time $95 cost. It will take a little bit of learning time to get into the method of zero-based budgeting. The idea behind this way of budgeting is that every dollar has a designation. This prevents money from being spent thoughtlessly.</p> <p>If you look at your bank account at the end of the month and see an extra $50, you might mistake it as &quot;free&quot; money and spend it foolishly. With an envelope system, that $50 would have been categorized into savings or even designated towards books or clothing. It is important to give your money a job, or it will be useless to you.</p> <p>The best budgeting app is the one that is used. If you are serious about making budgeting a regular habit, then you need to find the right tool to work for you. Everyone is different, so if the first app you try doesn't fit your needs or tastes, don't worry. Just try something else.</p> <p>(Free <a href="https://itunes.apple.com/us/app/mvelopes-budget-app-envelope/id417933753?mt=8">iOS</a>,<a href="https://play.google.com/store/apps/details?id=com.finicity.mvelopes&amp;hl=en"> Android</a>)</p> <p><em>What is your favorite budget app to use? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really">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-11"> <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-apps-for-busy-working-parents">The 5 Best Apps for Busy Working Parents</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-ways-your-smartphone-saves-you-money">8 Ways Your Smartphone Saves You Money</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/these-5-apps-will-help-you-finally-organize-your-money">These 5 Apps Will Help You Finally Organize Your Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-i-saved-3190-with-a-50-hdtv-antenna">How I Saved $3,190 With a $50 HDTV Antenna</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-best-couponing-apps">The 10 Best Couponing Apps</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Technology apps managing money money management phone phone apps saving money smartphone Wed, 10 Aug 2016 09:00:10 +0000 Ashley Eneriz 1769235 at http://www.wisebread.com The 5 Best Apps for Busy Working Parents http://www.wisebread.com/the-5-best-apps-for-busy-working-parents <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-apps-for-busy-working-parents" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/mother_baby_phone_43606458.jpg" alt="Mom using apps for busy working parents" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Working parents need to maximize their time in order to be most efficient. These apps will help working moms and dads better manage kids' routines, plan family outings, and manage family budgets effectively.</p> <p>See also: <a href="http://www.wisebread.com/10-fun-money-apps-for-kids?ref=seealso">10 Fun Money Apps for Kids</a></p> <h2>1. Happy Kids Timer</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/KidTimer_02.PNG" width="605" height="340" alt="" /></p> <p>Having a hard time keeping kids on schedule, especially in the mornings? <a href="http://www.kidssmartzone.com/">HappyKidsTimer</a> is an app your kids use to help them manage their daily morning routines, like making their beds, getting dressed, brushing their teeth, and so forth. The app features timers and fun incentives to help your kids get on their way.</p> <p>Available for Android and iOS.</p> <p>See also: <a href="http://www.wisebread.com/10-basic-manners-you-must-teach-your-kids?ref=seealso">10 Basic Manners You Must Teach Your Kids</a></p> <h2>2. KidsEatFree</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/KidsEatFree.PNG" width="340" height="605" alt="" /></p> <p>Busy parents often don't have time to cook &mdash; and dining out with the whole family gets expensive, fast. Restaurateurs have responded with a variety of kids eat free promotions. Too many, in fact, for busy parents to track. <a href="https://itunes.apple.com/us/app/kids-eat-free-restaurant-finder/id933114765?mt=8">KidsEatFree</a> is the free app that helps you find free kids' meals nearby, keeping your family on time &mdash; and on budget.</p> <p>Available for iOS.</p> <p>See also: <a href="http://www.wisebread.com/10-frugal-and-delicious-meals-to-make-with-your-kids?ref=seealso">10 Frugal and Delicious Meals to Make With Your Kids</a></p> <h2>3. Mint.com</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Mint_AppStore.jpeg" width="341" height="605" alt="" /></p> <p>Speaking of budgets, busy parents need to manage their family's money while they are managing the kiddoes. <a href="https://www.mint.com/">Mint.com</a> remains the gold standard free app for tracking all your spending, paying bills, setting and tracking budgets, and monitoring overall net worth.</p> <p>Available for Android and iOS.</p> <p>See also: <a href="http://www.wisebread.com/these-5-apps-can-fix-your-finances?ref=seealso">These 5 Apps Can Fix Your Finances</a></p> <h2>4. VarageSale</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/VarageSale_01.PNG" width="340" height="605" alt="" /></p> <p>If you're keen on sticking to your budget, <a href="https://www.varagesale.com/">VarageSale</a> is great for connecting busy parents with others who want to buy or sell used family and children goods. You can make extra cash off your used stroller or crib &mdash; or you can pick up gently used ones for a great price. Look at all the cute outfits!</p> <p>Available for Android and iOS.</p> <p>See also: <a href="http://www.wisebread.com/how-to-sell-your-kids-stuff-at-a-consignment-sale?ref=seealso">How to Sell Your Kids' Stuff at a Consignment Sale</a></p> <h2>5. Trekaroo</h2> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/Trekaroo.PNG" width="340" height="605" alt="" /></p> <p>Finally, even the busiest, most goal-directed families need some downtime. <a href="http://www.trekaroo.com/">Trekaroo</a> helps hardworking parents plan and budget family outings &mdash; everything from faraway vacations to local day trips. The app finds kid-friendly activities when and where you need them. Even better, each destination includes reviews from other busy parents who've already been, so you can get the inside scoop way before you get there.</p> <p>Available for Android and iOS.</p> <p><em>What are your go-to apps for managing life with kids?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/janet-alvarez">Janet Alvarez</a> of <a href="http://www.wisebread.com/the-5-best-apps-for-busy-working-parents">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-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-apps-that-make-budgeting-fun-no-really">7 Apps That Make Budgeting Fun — No Really!</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-your-smartphone-saves-you-money">8 Ways Your Smartphone Saves You Money</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-apple-watch-apps-thatll-save-you-money">8 Apple Watch Apps That&#039;ll Save You Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-fall-getaways-you-can-start-packing-for-now">10 Frugal Fall Getaways You Can Start Packing For Now</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/these-5-apps-will-help-you-finally-organize-your-money">These 5 Apps Will Help You Finally Organize Your Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Technology apps budgeting managing money money management parenting phone phone apps productivity saving money smartphone Tue, 09 Aug 2016 11:00:11 +0000 Janet Alvarez 1768674 at http://www.wisebread.com