Money Must Know

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cashing application
Paperless banking is nearly here, but many of us still receive printed checks that need processing. If you’re using electronic banking every day a physical check can at first glance appear inconvenient. But cashing a check really needn’t be a hassle. In fact, you can cash a check using your phone alone. In this article...
money apps
Smartphones have done a great job of sorting out life’s wrinkles, and smartphones are pretty good at helping us with money too. There is a money app for just about everything. Read on to see what you can do with money apps as we cover some of the best money apps you can get for...
ynab vs personal capital
Are your finances stressing you out? You Need a Budget! Or perhaps you need Personal Capital? Both are apps which offer some smart financial management tools to help you get in control of your money. Find out the differences between YNAB vs Personal Capital in this article below. Personal Capital app Personal Capital is a...
wisebanyan vs wealthfront
Given that there are more than 200 robo-advisors in the U.S. it can be tricky to know which one offers the best investment management service for your needs. In this article, check out the differences between two major investment apps: WiseBanyan vs Wealthfront. WiseBanyan app WiseBanyan bills itself as being the world’s first free financial...
wisebanyan vs betterment
If you want to start investing or would prefer a hands-off approach to investment management, using a robo-advisor could be a good option for you. There are more than 200 robo-advisors in the U.S. so the question is, which one should you use? To help you narrow the list down, check out this article which...
overdrawn meaning
You were recently charged an overdraft fee and you want to know – what does overdrawn mean? It simply means that your account has a negative balance. Any transaction you now make will cost you a lot of money! The way the banking system works in America is quite straightforward. Every transaction that will bring...
wealthfront vs betterment performance
Two of the leading companies in the robo-advisor industry are Betterment and Wealthfront. Both offer an automated investment service with a low annual management fee starting from just 0.25%, but there are some critical differences between them. This article explores Wealthfront vs Betterment performance as well as highlighting the main points to know about each...
wealthfront risk score
With more than $10 billion in assets under management, Wealthfront is one of the most popular robo-advisors around at the moment, thanks to its straightforward and competitive advisory fee of 0.25% and comprehensive financial planning tools. If you’ve already signed up for an investment account with this platform but aren’t sure what your Wealthfront risk...
wealthfront review
With college tuition fees now way higher than what they were two decades ago, parents are under increasing pressure to stump up enough cash to send their kids off to their dream college. A savings vehicle to consider is a 529 plan, which can be accessed through many brokers/advisors including Wealthfront. Check out our Wealthfront...
wally app review
Do you find money management a bit of a minefield? You’re not alone if so. Juggling income, expenses, debt, and savings can be a tedious and somewhat bewildering task. Luckily, there are plenty of apps around that can help you simplify your finances. Wally is one of them – check out our Wally app review...
wally app
Budgeting is the cornerstone of your personal finances. Everyone knows the basic principle: spend less than you earn, save the rest. Getting budgeting right means a bit of planning every month and tracking your spending. Apps are excellent tools. You can pick from the fully-featured and clever, like Mint and YNAB, to the straightforward, like...
vanguard automatic rebalancing
Signed up to an investment service and got the ideal asset allocation? Think you can simply remain invested and forget about it? Think twice: every investment portfolio should regularly be reviewed and rebalanced. But don’t stress: robo-advisors can automatically rebalance your portfolio for you. One of the top robo-advisors is offered by Vanguard, let’s take...
trading apps
The stock market moves quickly, you need constant access to your trading tools wherever you are. Trading apps make it easy to trade stocks on your phone or tablet, but trading apps are not equally capable. Besides, some traders need a bit more guidance from their stockbroker whereas other traders simply want in on the...
purpose of a budget
A budget is essentially a spending plan or a guide for how you’ll allocate income for expenses, debt repayment and savings. Budgeting can be tedious, restrictive and difficult at first, and some people would rather stick their head in the sand than deal with their money. But regardless of your income level, you can’t go...
stock screener apps
Choosing amongst thousands of stocks is a challenge. No investor can evaluate the fundamentals of every single stock on the market. But where do you start? A stock screener is a helpful tool, making it easier to narrow down your options to stocks that have an upside. Read on to discover everything you need to...
stash app review
Traditionally stock market investment had a high barrier to entry: you had to invest a lot of money and needed to know your stuff if you wanted to see real gains. No longer: technology removed the newbie challenges of stock market investing, with apps leading the charge. Stash is one of the simplest apps, find...
using stash app
Wondering whether to dip your toes into the world of investing? The Stash app may be a great way to take the plunge. Stash aims to make investing accessible to everyone, even those who don’t have much cash to put away. In this article, learn all about Stash, including how much it costs and how...
bill splitting apps
Working out how much each person should pay for a night at the restaurant is always a hassle, never mind splitting the costs when traveling. A split app can make divvying up bills way easier. We’ve taken a look at some of the most popular split apps. Read on to see how a split app...
schwab robo investing
Schwab Intelligent Portfolios from Charles Schwab is an automated investment advisory service that uses sophisticated algorithms to build, monitor and automatically rebalance a diversified portfolio, based on your financial goals. However, what makes Schwab Intelligent Portfolios different from other robo-advisors? Find out in this article about Schwab robo investing below. How do Schwab Intelligent Portfolios...
schwab intelligent portfolio vs vanguard
Charles Schwab and Vanguard are up there with the biggest and best asset management companies in the U.S. Both offer quality robo-advisor services that make investing low-cost and hassle-free for their customers. But how do these services compare side by side? This article covers the key differences between the Schwab Intelligent Portfolio vs Vanguard Personal...
review schwab intelligent advisory
In March 2017, Charles Schwab added a new investment service to its range of offerings. Schwab Intelligent Advisory is a hybrid service, combining Schwab Intelligent Portfolios (a robo-advisor) with personalized advice from a Certified Financial Planner professional. This Schwab Intelligent Advisory review below sheds some light on the critical differences between the two options. Schwab...
saving for a house
Getting on the property ladder is important for a whole range of reasons. Investing in the home you live in makes good financial sense, and for many people continuously renting can be a frustrating experience. Yet buying a home is challenging as most loans have a high deposit hurdle. But you need to start somewhere...
robinhood desktop app
The Robinhood desktop app, called Robinhood for Web, was rolled out to all users back in spring 2018, as an alternative to this brokerage firm’s mobile app. In this article, find out how the two apps differ and whether the desktop version offers you any advantages compared to the mobile app. Robinhood for Web You...
prism financial app
Struggling to keep track of which bills you need to pay and when? The Prism financial app could help you bring order to your finances and give you a complete picture of how your financial situation looks. Find out all about the app in this article below to see whether it’s for you. Prism account...
overdraft check
Do you need to write an overdraft check? If you do, this check will cost you a lot of money because your bank will have to cover you. That’s because the amount you write on the check will be higher than what you currently have in your checking account. Although it is quite expensive, writing...
monthly dividend calculator
Dividend payments play different roles in the mind of an investor. For some it is simply a useful return on their investment, adding to the total investment value at the end of the year. For other investors dividends are effectively income and these investors need a monthly dividend calculator to understand what their monthly income...
money making apps
Do you need money fast? Looking for an additional income to top up your wages? You’re in the right place. Read on to discover the best money making apps for getting cash quickly. We also cover apps that are great for extra income and a couple of apps that are good for borrowing in an...
is robinhood safe?
If you’re considering using Robinhood, the investing platform that lets you trade stocks, ETFs and options commission free, you might be wondering “Is Robinhood app safe to use?” In this article, learn about how Robinhood works and the behind-the-scenes processes that are in place to look after your money and your personal data. Robinhood app...
how to pay an overdraft
Sometimes, there just isn’t enough money to go around. And if you don’t keep a close eye on your checking account, you may accidentally — or intentionally — overdraft and spend more money than you have available. For this reason, it’s important that you understand how to pay an overdraft. If you sign up for...
fill out fafsa without tax return
There’s no denying the fact that college tuition is expensive. The good news is that federal financial aid is available to students and their parents. So if you or your child has plans of attending college in the future, at some point you’ll probably fill out a FAFSA (Free Application for Federal Student Aid). This...
how to check balance online
Wondering “How to check my 401k balance online?” This article explains the steps you need to take to find out the details of your 401K, plus how to track down an old 401K that you lost or forgot about when you switched jobs. It’s a good idea to check your 401K balance at least once...
how does an overdraft work
How does an overdraft work?  Great question! An overdraft is like getting an automatic loan from the bank when your balance goes below zero. An overdraft allows you to make a payment or purchase even if you are out of money. Overdraft Fees Banks charge interest and fees on the money you borrow (the money...
how does acorns app work
You may have already heard of Acorns as a way to put your spare change to good use by automatically depositing it into an investment account. The concept of Acorns is simple – to make investing accessible to anyone. So, how does Acorn app work exactly? Moreover, is it really possible to make money using...
go bank app
With Go Bank offering a self-service mobile checking account, the functionality of its app is crucial to its success. In this article, find out more about the Go Bank app along with facts and reviews about the account itself and how you can make use of Go Bank if you’re an Uber driver. GoBank overview...
financial calculator apps
Financial calculations like the repayments on a loan, the present value of money or the return on an investment are pretty tough to do using a basic handheld calculator. Yes, you could get a physical financial calculator but they’re not easy to use if you don’t know them. Instead, why not try a financial calculator...
cash app review
Fed up of forking out fees for money transfers? One way to send and receive funds fee-free is to use Cash App instead. With more than 10 million installs so far, Cash App appears to be a decent alternative to PayPal. So how does it work and what’s more, is it safe to use? Find...
capital one savings bonus
From the providers of the free Square card reader and payment system comes Cash, an easy way to send money between friends. What is the Square Cash app about and what can you do with Square Cash? What is the most you can receive, send and spend using a Square Cash account? Keep reading to...
retirement plan
To live comfortably in their later years, many people don’t count on Social Security to provide the income they need in retirement. This is why many contribute to an employer-sponsored 401(k) plan or a self-funded individual retirement account (IRA). But while these are two widely popular options, there’s another way to receive income in retirement....
Knowing exactly how much to contribute to an employer-sponsored 401(k) plan can be tricky. Some people fear saving too little. And even when others feel that they’ve saved enough, the future can prove otherwise. It’s estimated that you will need about 85% of your pre-retirement income in retirement. To help estimate whether you’re on the...