Apps – The Streamlined

Top Money Back Apps

Matthew — Tue, 01 Sep 2020 19:29:49 +0000

Do you want to save money on the things you already buy? Do you hate cutting coupons or jumping through other hoops to get your money back? Money-back apps allow you to earn money quickly and easily.

We have listed the top apps that give you back actual cash, not discounts, gift cards or other rewards. Read and get ready to start earning cash back on your everyday purchases.

1. TopCashback

TopCashback is an app that allows you to earn money when you make a purchase at a retailer through their app. You have to go into the app, choose a retailer, and click through from the app in order to get the savings. TopCashback gets an affiliate commission, and they pay you 100% of that commission.

You can earn more than some other programs with TopCashback, and you do not have to have a minimum balance. However, you cannot earn money while you are out shopping, and you have to wait for TopCashback to receive the commission before they pay you.

This app is great for those who enjoy shopping online and don’t mind going through the app to make purchases.

2. Pei

Pei allows you to link your credit cards to the app. When you make purchases using your linked card, you can earn anywhere from 1-20% off, depending on what you buy. You don’t have to scan receipts or follow any special links. You can get your money in cash or Bitcoin once your account reaches $15.

The app will even show you nearby stores on the map where you can save. This app is a great fit if you want to do not want to do anything other than earning money on the purchases you make.

3. Rakuten

Rakuten, previously Ebates, is an affiliate site that splits a commission with your for purchases you make. You can earn anywhere from 1-40% back on your purchase. Your discount is based on where you’re shopping and what you are buying. You can earn on purchases made online and in-store at over 2,500 stores.

Rakuten offers a number of discounts and is available as an app and a browser extension. There are a few drawbacks, particularly that you can only get your money once per quarter. It is a good program for those who want to save and don’t mind using the app to make purchases.

4. Trunow

Trunow is a cashback app that gives you a percentage back on gasoline. You can get back up to 2% at any gas station, and you just have to take a picture of your receipt. The app will also show you stations near you that have the lowest gas prices and gives you discounts on items you buy inside the store.

Trunow is a good option if you frequently buy gas. You have the option of getting cash or a gift card, and Trunow holds out a larger portion of your earnings if you opt for cash. You may want to consider using Trunow in addition to one of the apps that offer more shopping options.

5. SavingStar

SavingStar is a top caskback app that lets you get money back on your grocery purchases. It even lets you enter your loyalty cards, so you don’t have to scan receipts. You can save even more on certain purchases as long as you activate the deal before you shop.

SavingStar is good for people who want to save money on groceries and do not mind doing a little bit of extra work to save more. It requires you to have at least $20 in your balance before you can access your money.

6. Ibotta

Ibotta is often a choice for best cashback app as it lets you earn cashback for purchases at over 1,500 stores. Ibotta lets you make purchases in-store and online, but you have to do everything through the app. If purchases are not made through the app, a receipt can be submitted.

You can cash out once you reach $20. This app is perfect for anyone who wants to save on a variety of purchases, but parts of the program are still in beta mode, and you will be put on a waitlist before you can use all features.

7. Fetch Rewards

Fetch Rewards allows you to earn points based on purchases you make at major retailers, mostly groceries, drugstores and convenience stores. You can shop at almost any store as long as you buy brands that are supported on Fetch.

To use the app, you will upload your receipts. You can also earn more by purchasing featured products. The main drawback with Fetch Rewards is that it currently does not allow you to get cash. Instead, you can choose from a wide variety of gift cards. This app is good for you if you don’t mind getting gift cards instead of cash.

8. Dosh

Dosh is another pick for best cashback app as it is relatively passive. You link your cards, make purchases as you normally would, and earn money when you happen to make an approved purchase. In addition to a large number of retailers, Dosh supports many hotels as well.

You can buy online and in-store. Some features do require you to purchase through the app. Dosh does have restrictions in place regarding stacking with other cash-earning apps, and you must run all purchases as credit, even debit cards. Dosh is a great option if you travel a lot, but be aware that you cannot cancel hotel bookings made through the app.

9. Swagbucks

Swagbucks is different from the other apps on this list. You can earn by making purchases at popular retailers through the app, but that is just one way you can earn. You can also take surveys, watch videos, surf the web, play games and more. You will get the most from making purchases, but you can add up more earnings in your spare time.

Swagbucks lets you get money back through PayPal or through gift cards to major retailers. It is a good option if you want to make purchases but want other methods to earn as well.

The main problem with Swagbucks is that you will often take a survey screener, which often takes as long as an actual survey, only to discover you do not qualify and do not get any points. It can often be a waste of your time.

10. Receipt Hog

Receipt Hog is a top caskback app that allows you to earn money back from a variety of retailers. You simply upload your receipt to the app and answer a few questions about your shopping trip. You will earn coins for qualifying items that you can redeem for cash in your PayPal or a number of other rewards.

You also get bonuses like wheel spins and sweepstakes entries for special purchases. Receipt Hog is a good app for you if you do not mind doing a little bit extra, like scanning receipts and answering questions. The game aspect does add an element of excitement.

Receipt Hog can be a fun way to earn some spending back, but you have to acquire quite a few coins to make any money, making this app suited to those who shop a lot.

These apps can help you save on the purchases you already make. Pick your favorites and start getting cash back today!

26 Top Apps for Investing

Matthew — Sun, 02 Aug 2020 08:28:27 +0000

Technological advancements have revolutionized money market investment, much to the delight of investors. Previously, you had to hire a financial advisor, take many hours listening to him, but still have to wait anxiously for your quarterly report to see how your investment is progressing.

This has changed, thanks to the many investment Apps available to investors. Today, you do not even need to have a laptop or PC to access these Apps. With a Smartphone or tablet, you can ask for a tailored portfolio and be able to follow up on your portfolio’s performance. You can also buy and sell your stocks or move your money as you wish at the comfort of your couch.

Although some of the trading Apps have human finance managers to give you support, you do not need a human finance advisor for you to trade using them. Fintech startups and traditional brokerage firms now have investing apps. With so many of them in the market, you just can’t miss one that meets your investment needs. In this article, we have put together a list of 26 top investing apps to help you pick the one that matches your needs.

Here is our list of 26 Apps for investing money:

1. Acorns

This is among the most popular Apps because it is easy to use. With a small fee of $1 per month, you can set up your Acorns Invest account. When you are ready to upgrade, you can move to Acorns Later for an additional $1 per month. Acorns allows you to automatically set aside money from your paycheck and you can round up your purchases to add the extra change to your investments.

Acorns Later works similarly with an individual retirement account (IRA). You can choose between SEP, Roth, and the traditional. With Acorn Spend, you get an FDIC protected account, which can also come with a debit card. This is an excellent App for you if you want to build your retirement investment account.

2. Stash

The App has made the method of selecting exchange-traded funds and stocks easy and quick for beginners. It will cost you $1 per month to work with them, and you won’t even need to have a minimum account balance. Besides, you will be entitled to a debit card and an online bank account once you start investing with them. Stash also features fractional share buying and selling.

3. Betterment

The best thing about this account is that your portfolio will be managed professionally at a small fee. You will pay 0.25% as a management fee, which will match you up with ETFs that go with your risk tolerance. You can set an investment goal, such as retirement or a safety net, and you will not have to keep a minimum account balance.

4. M1 Finance

As a hybrid investment management and trading account, it is ideal for experienced investors. You can self-serve or follow Robo-advised moneymaking tactics. The platform is free, and you have no account minimum, although there is no tax-loss harvesting.

5. Ally

It caters for both beginner and pro investors with lots of educational materials for both categories. You will also love the huge bonuses that they give. For instance, you can earn about $50 for a $10,000 deposit. You will also enjoy 90 days of commission-free trades as a new investor. Although the fee may be higher than what other Apps charge, it reduces as you increase your investment.

6. Fundrise

If you want to diversify from stock trading to property investment, this is an excellent App for you. With it, you will access real-time real estate investment opportunities even if you are not an accredited investor. The downside is that you can only access it from an iOS program, and your investment can be on hold for at least 5 years, which is okay if you want a long-term investment.

7. Stockpile

This account allows you to buy fractions of high-end shares. If you are interested in a stock that costs $300 and you do not have the full amount, you can buy a percentage of the share that you can raise. With it, you will pay 99 cents for each trade without a monthly charge.

Moreover, you can buy a gift card on this account. The gift card is redeemable for the stock, thus giving you a fun way to introduce kids to stock trading and the habit of investing money. With it, your kids will be able to track their investments in real-time, and share their wishlist of stocks with friends and family.

8. Robinhood

This is the best App for investors who want to trade without paying any commissions for their investments. From the platform, you can trade cryptocurrencies, stocks, ETFs, and options freely. It is easy to navigate, and you will master how to use it fast. The App also has a newsfeed to keep you updated on opportunities for making money. When you deposit your first $1000, it starts trading right away, thus making you money immediately.

9. Webull

It is among the newest Apps with a user-friendly interface that you can operate efficiently from your Smartphone. Although you won’t get lots of educational stuff, they have impressive graphic analysis that are more suited for pro investors. There is no minimum balance, and you can trade in stocks, options, and ETFs freely. You can open a taxable or IRA account, and soon you will be able to trade in cryptocurrencies on this App.

10. Fidelity investment

When you want a dynamic App with relevant, customized updates and market research information, Fidelity investment is the App for you. You will monitor your portfolio and save for retirement on your IRA account.

11. E-Trade

This all-inclusive App allows you to get real-time quotations for any mutual fund, stock, option, or ETF. You can also buy and sell them on this App. It has a bar code scanning and voice recognition feature to safeguard your account, and many educational materials to guide you in making money on the App.

12. Td Ameritrade Mobile

This is your App if you want unmatched customer support. Although their charges are high, at $6.95 per trade, you can trade in stocks, bonds, ETFs, foreign currencies, futures, ADRs, and mutual funds on this App. You will have 24/7 access to a customer support agent through texts, instant messaging, or phone calls, and you can visit any of their branches for advice.

13. Wealthfront

You will need to maintain a minimum balance of $500 in your Wealthfront account. The management fee is 0.25%, and you have no option of human portfolio management. You can take advantage of the company’s tax-loss harvesting, but it may not be a good account for a serious investor.

14. Loved: invest for kids, stocks, and allowances

There is no better way to introduce your family to stock trading and saving money than with this App. You can have it regardless of age and use it to save for an asset or your child’s education. You can also send gifts on the App, which you redeem as stocks.

15. Thinkorswim mobile

You can install this App on your desktop, Apple watch, tablet, or Smartphone and trade safely and securely in real-time. Powered by Ameritrade brokerage firm, you will have the advantage of years of experience, technical analysis, and reliable financial advice from their human managers. There are no monthly charges, and they have a high return on investment.

16. Etoro

You will appreciate the ease of use on this App, whether you are a new or experienced investor. It is also suitable for you if you have limited time to track your portfolio. The platform ensures that you can mimic the more experienced traders on the App to grow your wallet fast, and it allows you to trade in cryptocurrencies. The opening balance is $50, but the withdrawal fees are expensive.

17. Sofi

If you are a beginner, this is an excellent account for saving money. You pay no monthly fees, and you can maintain a $0 balance. You can trade in cryptocurrencies and stocks, but you have no options for mutual funds and bonds, which may not be right for you if you have a retirement investment in mind. They also give free financial counseling in addition to allowing you to buy fractional shares.

18. Moomoo

Moomoo will give you an excellent platform to invest in stocks, ADRs, Options, and EFTs at a commission. They will send you custom alerts to keep you aware of what is going on. They will customize the alerts for you by percentage changes and price levels. You can also filter your stock searches to get what you are interested in quickly.

19. Prosper: invest

The investing App is a new addition on the Prosper peer-to-peer lending platform. It is compatible with Android and iOS phones from which you can transfer and allocate funds, adjust your investment portfolio, and monitor your stocks’ performance in real-time at a small fee.

20. Unest: college savings App

You can save your child or grandchild’s college fees on this App. It allows you to make monthly deposits, which can also be deducted from your checking account if you link it. The charges are $3 per month, and the savings are tax-deferred. When using the savings for college-related expenses, such as tuition, books, and supplies, you will be exempted from taxes on the savings.

21. Tradestation

Tradestation will allow you to view your investment on the go. With real-time quotes, prices, and volume swings sent to your phone, you will stay updated minute by minute on what you need to know to build your investment.

22. Finhabits

With this App, you can choose mid to long-term investments. You can also save for an emergency or retirement. All you need to do is deposit an initial investment of $1000. You will pay a fee of $2 for every $5000 you hold in your account.

23. Worthy financial

This is the only App where you can invest $10 to earn 5% interest without paying any fees. It is an excellent App for investors on a budget who want high returns. They invest in American businesses that borrow from them and repay at a reasonable interest. When you invest in them, you will be indirectly supporting these businesses.

24. Schwab mobile

Schwab Mobile App is only available to you if you have a Schwab brokerage account, and you are one of their high yield savings account holders. From its platform, you can trade in ETFs, annuities, bonds, mutual funds, and stocks. It allows you to monitor and adjust trades from your phone. You can also use this App to build your retirement savings.

25. StashAway

You will get top-notch customer support on this App in addition to receiving clear descriptions of products and accompanying risks. The interface is user-friendly, the funds transfer seamless, and the charges reasonable. It is ideal for a novice investor and has a high yield.

26. Albert: Budget. Save. Invest.

Although this App promises to automate your financial life with cutting-edge technology and human guidance, poor functionalities could hamper its effectiveness. If you can log in successfully, however, you will be able to trade in stocks and ETFs, get credit advances, and receive finance education to help you in saving money.