Technology has mastered the art of loose change. For decades, pennies and nickels have littered our couches and car seats — or, in the case of the more organized collector, filled up a five-gallon water jug. CoinStar revolutionized scrounging with an easy-to-use machine that eats your change and spits out cash vouchers in return, for a cut of the treasure. Now that cards are king, a new app has hit the market that puts your virtual “change” to work. Acorns is a micro-investing app that invests your extra cents without you even noticing. The app syncs to your debit card, and whenever you make a purchase, the app will round up to the nearest dollar and put the excess into your own diversified portfolio. If you go grocery shopping and your total comes to $44.26, the app will automatically run your card for $45 and invest the extra 74 cents for you. Most people want to put their money to work but feel like they don’t have any to spare. The purpose of the app is to simplify the process so anyone can do it. It automatically sends your money into a diversified exchange traded fund (or ETF) of over 7,000 stocks and bonds. With a 256-bit encryption, it’s as secure as using a bank, and your money is protected against fraud for up to $500,000. It feels hands-off, but you can also take control of whether your money is invested daily, weekly, monthly, or just one time. You can also withdraw your money at any time for no cost. Additional features include Found Money, in MAKING MORE CENTS This Micro-Investment App Puts Your Spare Change to Work IFYOU HADAGREAT EXPERIENCEWITH OUR FIRMWEWOULD LIKE TO HEAR FROMYOU. HERE’SWHAT SOME OFOUR HAPPYCLIENTS HAD TO SAY. “I completely recommend Mr. Konecky and his staff. He worked hard to help me get the best outcome for my case and treated me with dignity and respect the entire time. He is intelligent, professional, diligent, and honest. I hope I never need another attorney, but if I do, he will definitely be the one I contact first, and I suggest you do the same.” – Brant “Mat Konecky was very helpful in getting the accident fault resolved. I don’t think we would have gotten resolution without his intrusiveness.” – Basil “Matthew and his team are outstanding! I always felt that my needs were met and he got back to me very quickly with the results I was looking for. He is definitely someone you want on your side to help you through. Thank you for always putting your clients first!” – Christine
which select partners of Acorns will automatically invest money back into your account when you spend with them. It’s like getting cash back for purchases, only it’s cash forward. Those companies include Kohl’s, Dollar Shaving Club, Airbnb, and others. The service costs $1 a month, which is chump change. After your account surpasses $5,000, the fee becomes 0.25 percent (at $10,000, that’s $2.50). High numbers like that are the ultimate goal, and they’re attainable. If you accrue $5 every few days, within five years you’ll have invested around $3,000. Imagine how many five-gallon jugs that would fill! You can learn about additional features of Acorns at www.Acorns.com. The app is available in the app store. Download These 2 Books Today ! YOUR LEGALRESOURCE
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