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oovoo application

Nowadays, there is an application for anything you wan to to do in the world to make working, living, entertaining and even breathing easier. Virtual world and social media are becoming more important than anything else. There is an intense competition among the messenger applications. Everyday there is a new chat application which tries to overcome other apps. Skype is one of the messaging and video chat application which people in all over the world use it. It has been the best application to communicate with foreigner  people and the friends who are abroad. Skype was the unique app until oovoo application was created.  This app is a great threat for Skype and has been so useful for video calls. Oovoo has become so popular among kids due to interesting features it has.

What is oovoo application?

Oovoo is a video chat and messaging application which is available for Android and IOS users. You can also install the app on your computer, PC or MAC. By using oovoo, you can video chat with more than twelve people at the same time. You can also see four people at once on screen during video chats. This feature can be so popular among kids. Oovoo has a strong privacy setting and all the messages will not disappear. This application is equipped to location setting which do not give away where you are in the world.

How to use oovoo application?

Once you have installed the app, go through the profile and create a username that does not include your last name. It is better to use your first name for more security. Upload a profile picture that does not give away where you live. The app offers you to add a status message but it is better not to mention your personal information. Same with the profile video which is a video status messages called an Oovie.

Features of oovoo application

One of the main features of this application is the privacy option where you can determine how and what kind of people can find you. In order to find these setting, click on the profile photo and setting icon, then select “Privacy and security”. You can choose “Anyone”, “People who know my email address or oovoo ID” or “Nobody”. To have more security, it is better to choose the second option.

Oovoo is free to download and like many other applications, there are advertisements which are shown by the app. As long as most of the users of this application are kids, they can mistake the ads as part of the game. Fortunately, there is an option for the mobile app which you can pay $5 a year to remove ads.

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download Stash application

There are many ways to invest your money like the banks or big companies. The question is that are all these ways are secured? Of course not. Many people lost all their money in the big investments by using the risky ways. Today by the extension of the technology, there are many financial application which help you to manage your money like Mint, Wally and You need a budget(YNAB) and some other apps for investing money like Acorns. All of these applications provide a secure way to grow our wealth even by the minimum amount of money. In this article, we want to introduce another investment application named Stash application.

What is Stash application?

Investment app Stash aims to make the process of finding and selecting investments. Specifically exchange-traded funds and individual stocks. It is completely easy and approachable for beginners. The service repackages existing funds into easy-to-understand themes which are based on risk tolerance, goals, interests and values, plus offers access to a small number of individual stocks. Stash doesn’t manage investor accounts directly. It rather helps guide investors through the process of building an ETF portfolio.

The service has a $5 minimum account balance and charges $1 a month for account balances under $5,000 ($2 per month for retirement accounts under $5,000) and a 0.25% annual fee for accounts with $5,000 or more. Stash waives its fee on retirement accounts for anyone under age 25. Stash also recently started offering custodial accounts which allows parents to set up investment accounts for their children.

What does Stash application do?

Stash’s goal is to help beginners learn how to invest. The application asks new accounts holders a few questions to determine risk tolerance and goals. It serves up a list of suggested ETFs, narrowing the options to those that make sense for the user’s financial situation. The app notes which investments should serve as the foundation of the portfolio which is the largest slice of the users asset allocation.

 

The user is responsible for building a portfolio out of the suggestions, but Stash Coach feature will nudge back or serve up educational content if it notices a lack of diversification. Stash now offers individual stocks, too. There are 65 available on the app, including Amazon, Apple, Facebook and General Electric. Stash offers fractional shares which means that even with just $5, you can own a piece of a company that has a much higher share price.

Features of Stash application

There are many features of this application which make the app unique and useful for all the age ranges. We mention some of the most important features in the following.

Stash banking

Stash also recently launched a banking feature on it’s app. They offer a wait list to join their banking program, which offers no minimum checking, zero monthly fees, and access to some ATMs fee free. Of course, the banking aspect connects seamlessly to Stash Invest, to allow you to manage all your money in one place.

Stash retire

The application has a feature called Stash Retire, which is a retirement account option for investors. Stash Retire offers both Traditional and Roth IRAs – and offers the same investment choices you’d find in Stash. You can contribute up to the IRA Contribution Limit in a Stash Retire account. Stash Retire is slightly more expensive than Stash Invest – it costs $2 per month in fees up to $5,000, then it’s 0.25% of the value of your account. You can still start investing with just $5, but that could be quickly eroded by fees if you don’t invest more and see investment gains.

Stash announced that it would waive the fees for any Stash members under age 25. This is a great incentive to get people to start investing early without the fees. We appreciate the change, and hope it encourages younger Americans to start investing. However, once you cross age 25, you should probably look for alternative investment providers to avoid the fees.

How to get started in Stash application?

If you want to get started with Stash Invest, the sign-up process is extremely simple. Go through the App store then you can download the app to your phone. At the next level, you have to fill all your basic information and answer some questions. These questions will help Stash guide you on making investment decisions. So it is better to be honest because they help determine your risk tolerance. Base on your answers the application will show you investment options. You can also click on different investments to learn more about them. It is time to link up the bank account which you want to make investments base on that. It takes about two or three days for the money to transfer into Stash. At the last level, verify your identity and create a four digit pin number and you are all secured.

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If you have found this article useful, it is better to star investing right now. You can also recommend it to the friends. If you are worried about the future of your children, Download the app on their phone and invest with just $5.

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download Acorns application

Acorns is a smartphone application which is great for serious investors and even noninvestors. It is completely different with other financial apps like Mint, Wally or You need a budget(YNAB). The app rounds up your spending to the nearest dollar and invest that difference. Like the other apps, you have to link your credit cards and checking accounts and wait for Acorns to do the rest. Acorns application has made investing easier than before because actually you are investing pennies. One of the main purposes of this app is to motivate the young generation to save and invest their money for their future. Acorns application is free for four years for college students but for other investors it takes $1 a month for a taxable investment account and $2 a month for an individual retirement account.

What does Acorns application do?

The application links with your bank account and credit cards and manage all your daily purchases and automatically investing the change into a portfolio of ETFs. The app helps the young investors who have a little money to invest. In Acorns you can connect as many credit cards as you want. In this case, you can take all your roundup from the same linked checking accounts. With each purchase, Acorns manage to the nearest $1 and gives you an option to transfer that change into an investment portfolio. You can do this job automatically by letting the app or manually by going through recent purchases on the app and selecting which roundup to transfer.

Acorns is partner with many companies like Apple, Nike, Airbnb and some others. This companionship helps you to get back your money when you use a linked payment method at one of the partners. In most cases, you get the cash back automatically and without any extra step. While shopping, you can simply use the card which has linked to an active acorns account to make the purchase. After that, the found money rewards will land in your account in 60 to 120 days.

How to use Acorns application?

Once you’ve created your account, link your bank accounts and credit cards. All the big banks are available in this application, in addition, there are most institutions under the banks section. Once you’re all set up and connected, you begin to customize. Then you select how much you want to roundup. Your most important part is selecting what portfolio you want. You can invest your money in five fund types which are ranging from conservative to aggressive. The conservative type puts most into cash and bonds, while aggressive type has over %80 allocated to equities.

How to create Acorns account?

Signing up for an Acorns investment account is an easy process but there are some questions for the amateurs who do not have any information about signing up. First of all you have to sign up on the web or download the application. The app is available for IPhone and Android freely. in the following, there is a three step process which help you to sign up successfully.

The first step is to choose a roundup account which will be monitored for the user. Choose which transaction you want to roundup and invest the change and select a popular bank. If your desired bank is not on the list, click the Next Button and type your bank name in the search bar. Next, you have to click the account you like to use in your round ups.

The second step is to connect your checking account which are different from your roundup account. The checking account is the account from which funds are transferred into your Acorns account. Connect an existing checking account from the list and sign in using your online credentials.

The third and the lat step is to create an investment account. In this part you have to enter your personal information. At the next level, the app provides some questions which you have to answer:

1.Are you or have you been affiliated with a broker-dealer?

2.Has the IRS notified you of being subject to backup withholding?

3.Are you a 10% shareholder of a publicly traded company?

The next screen will prompt you to fill in your employment information, net worth, yearly income and your reasons for investing. The application presents some alternatives for the reasons.

Long-term investment

Short-term investment

Major purchase

Children

General

Finally,you have to enter your social security number. Once all the signup boxes are checked green, click the “Get Started!” button.

Good features of Acorns application

Each application has bad and good aspects. We are going to study what parts of the application is shining.

Free management for college students

One of the Acorns application purpose is to motivate the young generation to invest their money even the ones who do not have a lot. The application is free for four years for college students who register with an edu email address. The least amount of money to invest is $5. College students are ripe for this kind of service and could wind up with a nice little pot of money after four years of rounding up.

Automated approach

This application is behind any tool that encourages mindless, automatic saving. If you don’t have to think about saving, you’re more likely to do it. This is why 401(k)s, which take contributions directly out of your paycheck, work well, and why auto-enrollment in those plans has more people saving for retirement. Though Acorns doesn’t manage 401(k)s, it piggybacks on this concept by sweeping excess change from every purchase using a linked account into an investment portfolio.  Although these roundups are the bread and butter of Acorns’ platform, you can also invest lump sums manually or set up recurring deposits on a daily, weekly or monthly basis. Lump-sum transfers may be as small as $5.

Minimum investment

There’s no minimum to open an account, but the service requires a $5 balance to start investing in one of Acorn’s five pre built portfolios.

Educational content

We found the website well-suited to new investors, as it defines key terms and uses clear language. Acorns also publishes Grow Magazine, an online personal finance site geared toward millennials with advice about side gigs, credit card debt, student loans and other financial topics. Grow content is also integrated in the Acorns app. Acorns also offers a five-step financial literacy course for free to Acorns customers.

How does Acorns application make money?

Acorns makes money through member fees and outside investors. While Acorns’ fee for members is small at $1 a month for accounts under $5,000, those dollars add up quickly with the number of users. In 2015, Acorns had 650,000 members. While it was not clear if all those members paid $1 per month, as Acorns is a private company, it can be assumed that the company is making hundreds of thousands of dollars each month just through membership fees.

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If you are affected by the article and found this useful for your future, we recommend you to download the application free . The app is available for all Android and IOS users. So you can download it from App store or Google play.

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Download Wally application

If you are the sort of person who would like to be organized with your personal expense tracking exactly like you are with your expense report at work, we recommend you wally application which is totally free. Many people manually logging their expenses at the end of the day, week or month which takes a lot of time ad may bring some mistakes.This application will help you to have a complete management on all your expenses and your budget. Although there are many financial applications like Mint or You need a budget, wally has many different usages which will be studied in the following.

Wally application

Wally is a personal finance application which is available just on the IPhone and Android. It enables you to compare your income to your expenses and informs you where your money goes. One of the most useful feature of this app is that you can set and achieve goals. This is a good motivation for saving money. The application lets you keep track of the details of how, where, when, why and how much you spend money. Wally is absolutely private and all your information is safe and secured. The application will not limit you for the choose of the currency of your country. All the currencies in all over the world is available. You can set your especial password for the app but you have to careful not to forget it. In order to set a new password for the app, you will lose all your saved information. One of the good things about the application is that it won’t bother you for the suffering advertisement.

Features of Wally application

Wally’s interface is simple and easy to navigate, which makes setting your budget and entering expenses a breeze. The application gives you lots of features which do not make your screen crowded. It generates some charts that show what you are spending your money on. There are some other features which make this application unique and useful.

Uploading receipt

Most of the budgeting applications takes a ling time to enter your expenses, while Wally has made a solution for this problem. It lets you scan your receipt with one of the feature of this application which called InstaScan. It takes a photo of your receipt through the app simply and Wally will upload how much you spent.

Details of purchase

Wally allows you to note the details of your purchases. While you are entering an expense, you also can add The category of your expense which can be personal, home, food and drink, clothes and etc.There is also a broad classification for the purchase which are personal, family, work, social and etc. There is another option which you can add where and why the purchase was made. It can be a good feature for the ones who forget about shopping.

Effectiveness

Like many other financial application, What you put into Wally is what you get out of it. The duty of the app is to track your expenses if you stick to your budget and reach your goals. This issue mostly depends on the user if he is diligent in uploading every expense. If you are, the application will be a great aid in helping you reach your saving goals.

Value

One of the great features of this application which distinguishes itself with other budget apps is that while it is completely free, it can keep you from over spending your budget and missing your saving target.

Security

Being worry about the financial issues is something natural especially when you are using applications. Finances are completely personal and the application lets you tailor the app to your situation and trail all the uploading anywhere you are. It also provides a high security and will not let the hackers hack your password.

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the Sims game

It is time to put all the action and horrible games away. When a person searches for game he will face with with lots of popular games which all of them are action like GTA, Fortnite and Minecraft or also horrible games like Night terror or Mariam game. If you are searching for a video game which will be appropriate and agreeble with your character, you have found it already. The Sims game is the first installment of the industry-changing franchise. The creator of this game wanted to create a game which be similar to the real life. The reason was that he lost his home in the fire storm and he and his family had to remove. Follow this article to know this game better.

What is Sims game about?

The Sims is a strategic life simulation video game. In this game, players create virtual avatars which are called Sims and can take them into the 3D world.The purpose of the game is to have relationship with other Sims during the game. Receive new decorations for your home and keep your Sims alive. The players are able to do thing by their selves but you can command them to change their actions. The actions include exercise, reading, creative activities and connecting with other Sims.

These players have some basic needs as the real people like going to the bathroom, personal hygiene, eating ad sleeping. If you do not care about their needs or forget to do these, they will starve, wet them selves. If you totally forget about them and do not care about their fun, they will get depressed. Everything you command for the players to do can change their personality to the best or worst. So everything depends on you and your behavior. You can try different manners to see different results.

Features of Sims game

In the game, the houses are on some lots which have neighborhood. These neighborhoods are simple, consisting of around 10 lots each. In the base game, there’s only one neighborhood and it’s residential. Community lots for businesses appeared in a later expansion. You can’t move between the lots without having to wait for a loading screen. Despite more neighborhoods appearing in later expansions, your Sims cannot travel between these neighborhoods.

The Sims came with the main three life stages seen throughout the series: baby, child, and adult. The game only fixed the first life stage, meaning that a baby would age into a child in three in-game days. However, the other two life stages did not age. As a result, your Sims stay as children or adults indefinitely, depending on how you introduced them into your household through birth, adoption, marriage, or Create-A-Sim. Due to the lack of aging, adult Sims could only die from accidents or player murder plots.

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