How To Make The Most Of App Karma’s Cash Back Rewards Program

by Nasr-Eddine VerhaeghCoupons & Deals

If you’re an iPhone user, the App Karma cash back rewards program is a great way to get some extra cash back on your transactions. The program is available on both the iPhone and Android platforms, and it rewards you for spending money on apps.

To find out more about App Karma, visit the company’s website or sign up for its email newsletter. Once you’ve subscribed, you’ll receive a notification each time a new deal is available for App Karma.

There are a few things you need to do in order to get the most out of the cash back rewards program. First, be sure to use the apps you want to earn rewards for. This includes apps that offer money-back guarantees or free trials.

Next, be sure to review your spending habits to see which apps are spending the most money. This will help you to identify which apps are worth spending your rewards on.

Finally, be sure to use the App Karma rewards calculator to see how much money you can expect to earn. This tool will help you to decide which apps are worth spending your rewards on.

Overall, the App Karma cash back rewards program is a great way to get some extra cash back on your transactions. Just be sure to use the apps you want to earn rewards for and review your spending habits to see which apps are spending the most money.

The app karma rewards program is a great way to get cash back on your favorite apps. There are a variety of different rewards you can get, and there is a great chance you will get some great rewards just for using the app.

Here are a few tips to get the most out of the app karma rewards program:

Use the app regularly

The best way to get the most out of the app karma rewards program is to use it frequently. Make sure to use the app to check for new deals, get offers, and do other tasks that will help you earn rewards.

Use the app to make purchases

When you use the app to make purchases, make sure to take advantage of the cash back rewards. This will help you earn more rewards.

Use the app to earn points

Earn points by using the app. You can earn points for things such as checking account activity, making purchases, and more. point earned can be used to get discounts on future purchases.

Use the app to earn rewards

Earn rewards by using the app. You can earn rewards for things such as checking account activity, making purchases, and more. points earned can be used to get discounts on future purchases.

Use the app to earn money

Earn money by using the app. You can earn money by doing things such as checking account activity, making purchases, and more. points earned can be used to get discounts on future purchases.

Young people can benefit from awareness of current stock correlations

by PATRICIA HolmesPersonal Finance

Young people who are looking to invest their money can benefit from knowing about the current trends surrounding the stock market, including the high correlations that are being displayed by many individual equities and the forces helping to drive this behavior.

The correlation, or the extent to which different stocks move in tandem with each other, has been rising in recent months. This aspect of the equity markets has generated discussion surrounding the causes of this behavior.

Equity ETFs

A wide range of market experts have attributed the rising stock correlations to the proliferation of exchange traded funds (ETFs) that investors can use to gain exposure to a wide range of assets with a minimal capital outlay.

The dollar value of all trading involving ETFs tracking the blue-chip S&P 500 Index is on track to be higher than all transactions involving the stocks composing the index for the first time in history, according to Bloomberg.

In July, the total dollar trading volume of the SPDR S&P 500 ETF Trust, the iShares S&P 500 Fund and the Vanguard S&P 500 ETF rose to a 12-month average of $28 billion per day, according to data provided by the news source and Goldman Sachs Group Inc. The figure of $28 billion accounts for 98 percent of the total transactions of shares contained in the blue-chip S&P 500 Index.

Rising correlations and ETFs

Mike Lenhoff, chief strategist at London-based Brewin Dolphin Securities Ltd., told the media outlet in an August 3 phone interview that “ETFs not only have allowed investors to get in on this risk-on, risk-off environment, but they have allowed many an immediate exposure to the market without having to identify the right stocks.”

The news source reports that after both volatility and correlations surged in the aftermath of the 2008 financial crisis, investors flocked to the funds. The increased use of securities such as ETFs and index funds that purchase baskets of stocks has motivated market experts to consider whether the higher correlations have been caused by increased use of the funds, or whether investors have been motivated to use the financial instruments due to higher correlations. 

In addition to high stock correlations, investors face an environment of low bond yields. A recent report released by Moody’s Investors Service predicted that new margin requirements for off-exchange derivatives will boost demand for government securities and reduce bond yields. 

Best Apps for Saving Money and Staying out of Debt

by PATRICIA HolmesPersonal Finance

VentureBeat recently ran an article naming the five best smartphone apps for entrepreneurs – and some of them are pretty good even if you’re not in business for yourself.

The website’s number one pick should be everyone else’s, too: Google Voice, available for Android and iPhone OS, is a lifesaver for anyone who spends time on the phone. It gives you free call forwarding, voicemail, conference calls, blocking and text messages, all to your own personal custom phone number. Changing phones, changing providers – doesn’t matter, same number. And you’ll never go over minutes!

VentureBeat’s second suggestion, of Scan2PDF Mobile, isn’t bad either. How many times have you needed to send someone a document from a meeting or a conference? Scan2PDF let’s you make quick Adobe PDF files and email them in a flash.

Mint.com offers full-featured apps for iPhone and Android, including widgets that prominently display your bank balances and transactions, too help monitor your financial progress and help you stay and get out of debt. Just make sure you lock your phone if you don’t want people to see all your spending.

If you’re not using ING Direct for your online banking, you should be. No fees, no overdrafts, a network of free ATMs and integration with ShareBuilder make one of ING the best online banking systems. ING offers slick smartphone apps, and there’s even an ATM locator.

Finally, for the aspiring day-trader, Google Finance’s app lets you keep track of your holdings wherever you are, and integrates perfectly with Finance Portfolios.ADNFCR-3389-ID-19929193-ADNFCR

5 tips that will keep your debit card safe

by Nasr-Eddine VerhaeghPersonal Finance

Debit cards allow you to use the money that you already have in your bank account. They are similar to credit cards in the sense that they allow you to travel cash free but are different in the form that you are not taking any credit from the credit card company and thus are safe from overstepping your budget. If you don’t use your debit card fearing misuse, follow these 5 tips and keep it safe to enjoy hassle free shopping:

1. Keep a track of your account information: Almost all banks allow their customers to access their account information online. Make a habit of logging into your account every few days and notice all transactions. Don’t forget to check the amount in your account before you go out shopping as overdrawing may cost you a certain fees. If you have given your debit card to your teenage child, you can ask your banker to fix a certain limit on the card usage as he might be prone to overspending.

2. Keep your PIN on your tips: Memorizing the pin is the best way to avoid misuse of a debit card. Avoid jotting it somewhere which is accessible to any and every one. The PIN should be unique and should be known only to you. Unless the hacker has the access to your PIN, the card is unusable to him and this gives you enough time to realize its theft and thus report to the bank. Writing the PIN on the debit card itself is a nightmare that can cause you great losses.

3. Report lost or stolen cards: If ever you happen to misplace of lose your debit card, make a point to give the first call to your bank and get it locked or canceled. It is very difficult to trace the fraudulent transactions taking place through a debit card as money is directly deducted from the account and you can’t claim it from any third party. To be on a safer side, you can use credit card for making online purchases or transactions of higher value and then pay off the bill by using your debit card.

4. Get rid of old cards: There can be nothing as bad as storing old debit cards even when you have got new ones. These are still usable and can be misused if any unauthorized element gets hold of them. Destroying them is the best way to keep them safe.

5. Store your card at a safe place: You must realize that your debit card needs the same protection as your hard cash. Keep it safely tucked in your wallet while you are out and when you are at home, it is locked inside a drawer or a safe. Keep it outside the sight of any domestic maids or other outsiders.

These safety tips might at first seem to be the usual instructions, but we tend to miss on them. It is really important to keep the debit cards safe to avoid unnecessary mental and financial harassments.

5 Best Gas Rewards Credit Cards To Choose From

by Nasr-Eddine VerhaeghPersonal Finance

It is quite possible, especially in case of shopaholics to max out on their credit card while indulging in some care-free shopping. Though shopping offers you great fun, but the large credit card bills are a great turn-off. To make this adverse situation a little favorable, it is advisable to use the credit cards that are designed for shopaholics.

Hence if you’re an avid shopper and at the same time would like to keep a check on your finances while you shop, there are certain things you must keep in mind before opting for a credit card. There are certain cards which might look fancy and appear to have good features for a cardholder but knowing the fine print is a must before applying for the card. Shoppers can go for cards like Citibank Gold Card, Standard Chartered EMI card or a Citibank Silver card. There are many facilities that one can enjoy:

  • No Annual Fee: One might think that the features offered will be less without any annual fee charged on the card but this might hold wrong because there are a lot of credit cards without any annual fee. There might some benefits which will outweigh the annual fee, but for a shopper who is looking for a new credit card, a card without any annual fee should be just fine.
  • Best Cash Back offers and Reward Points: This feature is above all for the shoppers because they get to save money in the process. There are many cards which give 1 to 2 percent cash back after spending an amount on shopping. Citibank Gold Card offer reward points on the shopping amount. These points can later be redeemed in the form of cash or kind. You can even pick the credit card that guarantees miles which can be redeemed when traveling. Or how about the credit card that promises fuel reward points. This is a great motivation to shop.
  • Priority Service: Every provider should have a service system which offers information and service related queries at all time while the customer shops. Viewing the account at any time, paying off the debts, checking the credit card statement are basic facilities which the bank gives the customer. Apart from this, keeping track of all the purchases, reminder about the payment due date as well as new offers should be on the service for the customers.
  • Convenience: Linking the credit card to the bank account and setting up the online transactions should be done at your convenience. The credit cards should offer that option to make paying off debts an easier chore. Hence ease of paying off debt is the main factor while looking for a credit card.
  • Lower interest rates: While it is better to have the credit card balance as zero, there might be situations when you fall back on paying off your debts. In that case, go for cards which have lower interest rates than the ones which have a higher one.

In the end, one can list down their monthly shopping habits and compare it with the best credit card offer available. Reading through the terms and conditions and understanding the card details to fit your spending habits can also help to narrow down on the best credit card.