Square`s growth strategy and the masses

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Square`s growth strategy and the masses
The ten-year-old Fintech that listed on NYSE exactly 4 years ago – November 2015 with the ticker symbol SQ; continues to innovate. It is best known as a B2B Fintech in the payments space that had huge success with small merchants globally. It grew with POS terminals and smart credit card readers. As a publicly-traded […] The post Square`s growth strategy and the masses appeared first on Daily Fintech. [...]
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Fisher-Price Laugh and Learn Servin’ Up Fun Food Truck only $31.87 (Reg. $70!)

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Fisher-Price Laugh and Learn Servin’ Up Fun Food Truck only $31.87 (Reg. $70!)
This post may contain affiliate links. Read my disclosure policy here. Here’s a great gift idea! This Fisher-Price Laugh and Learn Servin’ Up Fun Food Truck is only $31.87 at Target! Target has this Fisher-Price Laugh and Learn Servin’ Up Fun Food Truck for just $49.99 right now (regularly $69.99)! Plus, there is a 15% off Target Circle offer available. Even better, you can get 25% off one Toy, Kids Book, or Craft Activity Kit mobile coupon when you text TOY to 827438 – limit one. Check out this deal idea: Fisher-Price Laugh and Learn Servin’ Up Fun Food Truck – $49.99 (regularly $69.99) Use the 15% off Fisher-Price Laugh and Learn Food Truck Circle offer Use your unique 25% off toy coupon Choose free in-store pickup $31.87 after coupons Thanks, Hip2Save! [...]
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Checking vs. Savings Account: Here’s Exactly When to Use Each One

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Checking vs. Savings Account: Here’s Exactly When to Use Each One
When it comes to our finances, it can feel like our list of decisions is never-ending. Should I start saving for retirement now? How should I file my taxes this year? Do I need homeowners and flood insurance? To make any decision about money, it helps to have all the pertinent information. When deciding whether to open a checking or savings account, you should start by knowing how they differ. Checking vs. Savings Account: What Are the Differences? Here are the major differences between a checking vs. savings account to consider before depositing your money. How They’re Designed to Be Used A checking account is designed to store the money you plan to spend, while a savings account is meant to hold your money for a relatively long time. Checking Accounts Use the money in this account for small and/or everyday purchases, such as buying groceries, going to the movies and filling up your gas tank. Savings Accounts Ideally, you don’t spend this money in the short term. You’d use it to build an emergency fund for, say, unexpected house repairs, or save for something big, like a car, wedding, house or college. You don’t invest through a savings account, nor do you save for retirement here. You’ll want to open a separate retirement account to save for the future and invest. How to Access Your Money It’s typically easier to access your money through a checking account than it is through a savings account.  Checking Accounts You can spend or withdraw money in your checking account by: Using a debit card: Paying with a debit card is the same as paying with cash; the money is withdrawn directly from your checking account.  Writing a check: Although paying with paper checks is becoming less common, you can often make payments from your checking account with a check, too.  Withdrawing cash from an ATM.  Savings Accounts Accessing money in your savings is a bit more difficult than acquiring cash from your checking account. You can: Transfer money from your savings account to your checking account online: Even if your checking and savings accounts are at different banks or credit unions, it’s still possible to transfer money from one institution to another. Withdraw from your savings account at an ATM: Using your debit card, you can withdraw money from your savings account at an ATM if your accounts are at the same bank or credit union. Just select “savings” instead of “checking” when the ATM prompts you to choose which account to withdraw from. Withdrawal Limits Unlike checking accounts, savings accounts have limits on the number of withdrawals you can make. Checking Accounts Checking accounts don’t have limits on how often you can withdraw money. You should be able to do so as many times as you want per month, provided you don’t overdraw your account.  However, many accounts do have restrictions on how much you can withdraw from an ATM or spend with your debit card in a single day. These limits vary by banking institution and can range from a few hundred to several thousand dollars. Savings Accounts Federal law says you can only withdraw money six times per month from your savings account. However, this rule only applies to certain transactions, such as transferring money from your savings to your checking account and sending wire transfers to someone else. When you’re withdrawing money from your savings account at an ATM or your bank, the limit does not apply. Fees and Deposit Requirements Fees and minimum deposits for both checking and savings accounts vary by institution.   Checking Accounts Some institutions have a minimum deposit to open a checking account, usually ranging from $25 to $100. It is possible to find a bank that doesn’t have a minimum to open an account, though. Some banks and credit unions also charge monthly maintenance fees for checking accounts. However, if you also open a savings account with the same bank and/or maintain a minimum balance, many will let that monthly fee slide. There are a few other fees associated with a checking account. Depending on your circumstances, you may have to pay: Overdraft penalties.  Card replacement fines. Incoming/outgoing wire transfer fees. Out-of-network ATM fees if you withdraw cash from an ATM that isn’t operated by your bank. Savings Accounts Many banks have a minimum to open a savings account. They also sometimes charge a monthly fee, but as with a checking account, they might waive it if you meet certain criteria, such as maintaining a minimum balance and/or having another account with the bank. Remember the aforementioned limit of six withdrawals per month for saving accounts? Well, if you exceed that, you’re charged a fee. It’s usually under $15, but if this becomes a regular occurence, a bank may convert your savings account to a checking account. FROM THE BANKING FORUM Aspiration 4/30/19 @ 9:08 AM Best bank to use? 7/12/19 @ 10:52 AM Women's Month 3/11/19 @ 9:34 AM Home Equity Loans / Lines of Credit 7/3/19 @ 12:12 PM e See more in Banking or ask a money question Interest Savings accounts usually pay slightly higher interest rates compared with checking accounts. Checking Accounts Checking account interest rates are notoriously low, with a national average of 0.06% as of Aug. 12, 2019, according to the Federal Deposit Insurance Corp. (FDIC). To clarify, that means you’d earn 6 cents per year on a $100 balance.  There are accounts that offer interest rates that are higher than the national average known as high-yield checking accounts. Usually, though, those interest rates are still minimal, so to find an account that offers higher interest rates, most people focus on savings accounts. Savings Accounts Savings accounts are known for having higher interest rates than checking accounts, but they still aren’t much: The national average is 0.09% as of Aug. 12, 2019, or a mere 9 cents per $100.  Because you theoretically leave money in a savings account for a long time, that money could build a decent amount of interest if you strategically choose a high-yield savings account.   Checking Accounts Savings Accounts Designed For Spending Saving for emergency funds or financial goals Accessibility Debit card Checks ATM Withdraw money at the bank Transfer funds to a checking account ATM Withdraw money at the bank Withdrawal Limits None Six times per month Fees Fee to open account (sometimes) Monthly maintenance fee (sometimes) Overdraft fee Card replacement fee Wire transfer fee Out-of-network ATM fee *some fees may be waived Fee to open account (sometimes) Monthly maintenance fee (sometimes) Withdrawal limit fee Out-of-network ATM fee *some fees may be waived Interest Minimal to non-existent; rates vary Higher than checking; rates vary Checking vs. Savings Account: Which Should You Open? Ideally, you would have both a checking and a savings account. In your checking account, you’d keep money for small or everyday purchases, while in your savings account, you’d store money for emergencies and short- or long-term goals. It’s worth considering whether you should open both accounts with the same bank or credit union. There are a few pros to keeping them at the same institution. For example, some places wi [...]
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My Completely Honest KiwiCo Review (plus get 40% off your first box!)

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My Completely Honest KiwiCo Review (plus get 40% off your first box!)
This post may contain affiliate links. Read my disclosure policy here. Interested in KiwiCo reviews — or maybe specifically a Kiwi Crate review (since that’s the most popular box)? If you’re interested in trying a KiwiCo box for your kids, check out my completely honest thoughts below! And be sure to scroll to the bottom to get a promo code for 40% off your first box! {And if you’re looking for more honest reviews, you might be interested in my Montessori by Mom review and JellyTelly review. You can also check out my top 10 recommended subscription boxes for kids and my top 13 recommended magazine subscriptions for kids.} What is KiwiCo (formerly Kiwi Crate)? If you’re looking for some really unique ways to keep your kids entertained, I highly recommend KiwiCo! In case you’ve never heard of KiwiCo, it used to be called Kiwi Crate but after expanding and adding on so many different types of boxes, they rebranded to be called KiwiCo. KiwiCo is a monthly subscription service that offers kid’s educational projects, crafts, and activities on different themes. You can get a subscription for as low as $16.95 per month — including shipping. Each box includes all the materials to make a fun hands-on project (or 2-3 simpler projects, depending on the box!). What age range is it for? The original Kiwi Crate was designed for kids ages 5-8, but they’ve now added on so many different options! KiwiCo offers monthly crate subscriptions for various ages: Tadpole Crate for ages 0-3 years (Explore & Discover) Koala Crate for ages 3-4 (Play & Learn) Kiwi Crate for ages 5-8 (Science, Art, & More) Atlas Crate for ages 6-11 (Geography & Culture) Doodle Crate for ages 9-16+ (Art & Design) Tinker Crate for ages 9-16+ (Science & Engineering) Eureka Crate for ages 14-104 (Engineering & Design) The two most popular crates (at least in our house!) seem to be Kiwi Crate and Tinker Crate, but I love that they have choices for different ages and preferences! My Honest KiwiCo Review If you’re looking for completely honest Kiwi Crate reviews, I’m here to tell you that my kids have been using KiwiCo for years and absolutely LOVE it. They received it as a gift one year and loved it so much that they continued requesting it as a gift each year after that! I have fond memories of them running to the mailbox in excitement and anticipation to see what would be in this month’s Kiwi Crate box. I still remember how much Silas loved the very first Kiwi Crate box we received in the mail! He made a glow worm from a sock and named it “Billy Butler” after one of his favorite Royal’s baseball players. Since we’re a family that has never had a lot of toys, the KiwiCo boxes have been a great fit for us. It’s really nice that they’re mostly consumable and don’t contribute to toy clutter around the house. I also really love how hands-on, educational, unique, and entertaining they are. And they always have really great instructions for kids (and parents) to follow. Even as they’ve gotten older, they still really enjoy getting the boxes in the mail. (And I love that KiwiCo has now added on some really cool boxes for older kids!) In fact, we recently received a Kiwi Crate and Tinker Crate in the mail and ended up taking it with us on our family vacation in Utah. Our nieces and nephews loved working on the projects together and all gave it a thumbs up! (How’s that for an honest Kiwi Crate review? 😉) It was so much fun and such a great way for them to all do a hands-on activity together! How much does Kiwi Crate cost? The one negative thing I have to say about KiwiCo is the cost. (But be sure to scroll down for a coupon code to save on your first box!) While my kids have absolutely loved their Kiwi Crate boxes, we’ve always received them as gifts from grandparents. And I do think that they’re a little bit on the expensive side — especially if you’re on a tight budget. Most of the boxes cost $19.95 per month and you can get them for as low as $16.95 per month if you buy an entire annual subscription at once. {The Eureka box costs even more at $29.95 per month or $24.95 per month if you purchase an annual subscription.} This is why I think a KiwiCo subscription is a GREAT idea for grandparents as birthday or Christmas gifts! And you can purchase different lengths of subscriptions, depending on your budget — one month, three months, six months, or an entire year. Save 40% off your first KiwiCo box! If this honest KiwiCo review made you interested to try it, I’ve got a great deal for you! You can get 40% off your first box as a MoneySavingMom.com reader when you shop through this link. That makes your first box just $11.97 shipped. And there’s no obligation to continue with your subscription after your first box. Just log in to your account and cancel your subscription before it renews at the regular price. This is a great way to try KiwiCo at a discounted price and see if your kids like it! Have you tried Kiwi Crate before? If so, what was your experience? Related Links: Top 10 Subscription Boxes for Kids Top 13 Magazine Subscriptions for Kids 5 Reasons I’m Glad We’ve Chosen to Not Have Many Toys 5 Simple Ways to Cut Down on Toy Clutter 10 Non-Toy Gift Ideas for Kids Non-Toy Gift Kids: 10 More Ideas 10 Experience Gifts for Kids Top 10 Toys for a Minimalist Family 145 Non-Toy Gifts for Every Age My Completely Honest Review of Montessori By Mom Toolboxes My Completely Honest JellyTelly Review medianet_width = "600"; medianet_height = "120"; medianet_crid = "568454786"; medianet_versionId = "3111299"; [...]
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Denise Albright 2019-2020 Planner Bundle for just $25.94 shipped!

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Denise Albright 2019-2020 Planner Bundle for just $25.94 shipped!
This post may contain affiliate links. Read my disclosure policy here. This is a super HOT deal on the Denise Albright Reminder Binder Planner!   Jane is currently offering the Denise Albright 2019-2020 Reminder Binder 18-Month Planner Bundle for just $18.95 + shipping! Shipping is $6.99, so you’ll pay $25.94 shipped! {Note: If you purchase any additional planners in the same order, you’ll only pay $3.99 shipping for each additional planner added on to your order!} This bundle is valued at $75 and includes: One Reminder Binder® Planner [July 2019 – Dec 2020] One Mini Monthly Desk Calendar [July 2019 – Dec 2020] One Mini Desktop Calendar [July – Dec 2019] One Peek at the Week® Weekly Planner Pad One Weekly Planner Dad Pad® (it’s not for him, it’s for YOU!) One Set of Every Gal Planner Stickers [432 stickers] If you’re looking for a quality planner and don’t want to spend a fortune, this is a really great inexpensive option! The Reminder Binder® Planner features: Weekly, monthly, and yearly views. Weekly horizontal layouts with lots of white space for writing Hardcover built to last Laminated tabs 361 Stickers to highlight special dates Holidays overview layout to see the holidays at a quick glance Two pockets Removable bookmark to quickly flip to the correct date 3 Dates to Remember pages And SO much more!! This is a really incredible deal on a well-known planner, and all of these bonuses that come with the bundle make it SUCH a great value!! Valid through July 12th, while supplies last. Go here to get your Denise Albright 2019-2020 Planner Bundle. [...]
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Health Industry Outlook 2019

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Health Industry Outlook 2019
The post Health Industry Outlook 2019 appeared first on ONEtoONE Corporate Finance. [...]
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