Cash App Card Design Ideas

... so you can log a cash expense straight from a wall... it land in the Wallet app. What you get 21 cards... / loading / error states: 12 analytic — Cash Flow, Cash Flow Trend, Spending (gauge), Nature... are blocked, read-only by API design). 8 action cards — create/edit... / record rules. Nice touches Every card has a GUI editor with ....8 KB Feedback, issues and ideas very welcome — this is v0....

... so you can log a cash expense straight from a wall... it land in the Wallet app. What you get 21 cards... / loading / error states: 12 analytic — Cash Flow, Cash Flow Trend, Spending (gauge), Nature... are blocked, read-only by API design). 8 action cards — create/edit... / record rules. Nice touches Every card has a GUI editor with ....8 KB Feedback, issues and ideas very welcome — this is v0....

...real app you already use — so you can log a cash ... spent/limit/remaining, cash flow, spending by category, spending... day one. Services — add_record (cash entry), update_record , delete_record , add_transfer ,...accounts are read-only by API design. Bonus — an “overspending” ...directly. A companion Lovelace card (ha-wallet-card) is on the ...days). Feedback, issues and ideas very welcome — this is v0...

...real app you already use — so you can log a cash ... spent/limit/remaining, cash flow, spending by category, spending... day one. Services — add_record (cash entry), update_record , delete_record , add_transfer ,...accounts are read-only by API design. Bonus — an “overspending” ...directly. A companion Lovelace card (ha-wallet-card) is on the ...days). Feedback, issues and ideas very welcome — this is v0...

...games  open air occasion ideas  disdain their occupations  making solid... finance  bloggers actually make cash  home workouts – health  invest...  Deposittalk.com blog  credit card + write for us  networking +... write for us  mobile and app + write for us  itbusinesstrend  entertainment +... area for your home  design & insights plan  vehicle buying ... does lavish imply?  sparing cash each month  requested for breakfast ...

I put together a massive list of passive income ideas, everything from stuff you can start tonight on your phone to things that take a little more setup but mostly run themselves after that. Not all of these are 100% hands-off passive... some need real work upfront and then coast, and some are more semi-passive where you check in here and there. But none of them need a degree, a certification, or years of background knowledge to get going. digital products and publishing Self-publish ebooks on Amazon KDP. You don't need to be a novelist. Low-content books like journals, planners, log books, and prompt books sell consistently and you can make them with free tools. The royalty split is public info on Amazon's site, and once a book is live it just sits there selling. Sell printables on Etsy. Budget planners, chore charts, meal planners, wedding templates, you name it. You design them once in Canva or Google Docs and they get delivered digitally, so there's zero inventory and zero shipping. Create and sell Notion templates. There's a growing market for pre-built Notion setups... project trackers, habit dashboards, content calendars. Gumroad and Etsy are both solid places to list them, and the product is just a duplicatable link. Sell spreadsheet templates. Budget trackers, debt payoff calculators, inventory managers. Google Sheets or Excel, doesn't matter. People will pay a few bucks for a spreadsheet that saves them hours of setup. Publish puzzle books through KDP. Word searches, crosswords, sudoku, math puzzles for kids. These are surprisingly popular and you can generate the puzzles with free tools online. Basically zero creative writing involved. Sell coloring books on Amazon. Both for kids and adults. The adult coloring book market is genuinely large. You can create pages in free illustration software or hire artists on Fiverr for cheap and then own the designs forever. Create digital planners for tablets. Hyperlinked PDF planners designed for GoodNotes or Notability are a niche but loyal market. Once you learn the format (which takes maybe a weekend), you can crank these out. Sell resume and cover letter templates. People buy these constantly, especially around graduation season and new year job-search waves. Canva or Google Docs format, sold on Etsy or Gumroad. Sell social media templates. Instagram story templates, carousel post layouts, Pinterest pin designs. Small business owners and influencers buy packs of these regularly so they don't have to design from scratch. Sell presentation templates. Google Slides and PowerPoint templates for business pitches, school projects, workshops. There's less competition here than you'd think and the buyers are usually willing to pay more than printable buyers. Create and sell email newsletter templates. Clean, mobile-friendly email designs that small businesses can plug into Mailchimp or ConvertKit. You build a set once and sell the same pack over and over. Write and sell short guides or checklists. Not full ebooks, just focused 5-10 page PDFs on specific topics. "First apartment checklist," "wedding planning timeline," "how to prep for a job interview." Quick to make, easy to sell for $3-7. design, creative, and visual stuff Sell stock photos. If you have a decent phone camera, you can upload to Shutterstock, Adobe Stock, or iStock. Lifestyle shots, food photos, workspace setups, and nature images all do well. Each photo can sell hundreds of times over the years. Sell stock video footage. Short clips of cityscapes, nature, hands typing, coffee being poured... basically b-roll that video editors and content creators need. Stock video typically pays more per download than photos. License your drone footage. If you own or can borrow a drone, aerial footage of landscapes, coastlines, and cities sells on stock platforms. Not many people bother doing this, so competition is lower than regular stock. Sell Lightroom presets. Photo editing presets that give a specific aesthetic. Travel bloggers, wedding photographers, and Instagram creators buy these in packs. You create the look once and sell it unlimited times. Create and sell fonts. If you're even a little into lettering or typography, custom fonts sell on Creative Market, MyFonts, and similar platforms. A single popular font can generate income for years. Sell SVG and cut files for Cricut and Silhouette machines. The crafting community is massive and they need design files for everything... mugs, shirts, signs, stickers. You can learn to make these in free vector software. Sell clip art and icon packs. Graphic designers, teachers, and small business owners buy themed illustration sets. Cute animals, seasonal icons, business graphics, food illustrations. Make a pack of 30-50 and list it. Sell digital stickers for planners and note apps. This one sounds small but the planner community spends money like you wouldn't expect. Cute sticker sheets for GoodNotes sell on Etsy for $2-5 per pack and they cost nothing to deliver. Create and sell phone and desktop wallpapers. Bundle them in themed packs (minimal, nature, aesthetic, seasonal) and sell on Gumroad or Etsy. Low effort per unit and there's always demand for fresh designs. License your artwork for products. If you make any kind of visual art, you can license it to companies for use on products, packaging, or marketing. Even simple patterns and illustrations have licensing value. Sell 3D printing design files. If you know or learn basic 3D modeling (Blender is free), you can sell STL files on sites like Cults3D, MyMiniFactory, or Etsy. Phone stands, organizers, toys, cosplay parts... huge range. Create and sell greeting card designs. You can sell them as printable digital downloads or use print-on-demand services to handle the physical side. Holiday and occasion cards sell year-round. print on demand and merch Put designs on shirts through print on demand. Redbubble, TeePublic, Merch by Amazon, and similar sites handle printing, shipping, and customer service. You upload a design and collect a royalty when it sells. Startup cost is literally zero. Sell print-on-demand mugs, stickers, and phone cases. Same platforms as t-shirts, just different products. Stickers especially have insane volume on Redbubble because they're cheap impulse buys. Design print-on-demand posters and wall art. Minimal art, typography prints, and aesthetic designs sell well as home decor. Society6 and Redbubble both support this and you just upload the files. Create print-on-demand notebooks and journals. Sites like Lulu or even KDP let you design custom covers and interiors for notebooks. Combine this with a niche audience (yoga journal, fishing log, gardening tracker) and you've got something specific enough to actually get found. Sell print-on-demand tote bags and accessories. Same concept, different product. Tote bags with funny or niche designs have a very loyal customer base, especially on Etsy with a POD integration. content platforms Start a YouTube channel with evergreen content. Tutorials, how-tos, relaxation videos, educational content... anything that people search for year after year. The grind to monetization is real, but once you're there, old videos keep paying. Create a faceless YouTube channel. You don't need to be on camera. Compilation channels, meditation/sleep audio, top 10 lists with stock footage, animated explainers... there are entire faceless niches that do well. Upload ambient sound and white noise videos. Rain sounds, fireplace crackling, coffee shop noise, forest ambiance. These videos get left running for hours, which racks up watch time. Some channels in this space have been running for years with barely any new uploads. Start a blog with affiliate links. Pick a niche you can write about, build up content around things people search for, and include affiliate links to products you mention. It takes months to build traffic, but older posts can earn for years. Start a niche review or comparison website. "Best budget headphones under $50" type content. People search these queries right before buying, which makes the affiliate conversions strong. The content stays useful for a long time with occasional updates. Build a simple tool or calculator website. Mortgage calculators, tip calculators, unit converters, GPA calculators. These sites get steady search traffic and you monetize with display ads. You build it once and barely touch it. Create a local directory or resource website. "Best restaurants in [your city]" or "free things to do in [your area]." Monetize with local business ads or affiliate links. Smaller competition than national-level sites. Start a podcast. The monetization takes time and you need consistent episodes, but once you hit a certain listener count you can get sponsorships. Evergreen interview and educational formats work best for passive income since episodes keep getting downloads. Create a paid newsletter. Substack, Beehiiv, ConvertKit... pick a niche you can curate or write about, grow a free list, then offer a paid tier. Some newsletters are mostly curated links, which keeps the workload low once you build the habit. Create a membership community. A paid Discord server, a Circle community, or a Patreon with a private group. If you can offer ongoing value to a specific audience (weekly tips, exclusive content, networking), this can be stable recurring income. Start a Patreon or subscription for creative work. If you draw, write fiction, make music, or do any recurring creative work, even a small following can turn into consistent monthly income through subscriptions. Create a niche content curation account and monetize it. Curate the best content on a specific topic across platforms, build an audience, and monetize through sponsorships or paid tiers. You're not creating the content, just organizing it. courses and education Create an online course on Udemy. Teach literally anything you know how to do. Udemy handles hosting and marketing, and courses can sell for years. The platform takes a cut, but you also get access to their massive user base. Create a course on Skillshare. Skillshare pays based on minutes watched, so shorter practical courses that people actually finish do well. Craft skills, software tutorials, creative techniques all work. Sell a self-hosted course through Gumroad or Teachable. If you want to keep more of the revenue, host it yourself. Pre-record the videos, set up a sales page, and let it run. Higher effort upfront but better margins. Create an automated email course. Write a 5-10 email educational sequence on a topic, set it up in a free email platform, and sell access for a few bucks. It runs completely on autopilot once it's built. Sell workshop recordings. Run a live workshop once (on Zoom or wherever), record it, and then sell the recording as a product forever. People pay for the convenience of watching at their own pace. music, audio, and voiceover Sell beats and instrumentals online. BeatStars and Airbit let producers upload beats and sell licenses. Rappers, YouTubers, and content creators buy non-exclusive licenses all day long. You make the beat once and sell the same license hundreds of times. Sell music loops and samples. Sound packs for producers. Drum kits, melody loops, sound effects. Splice is one of the bigger platforms for this, but you can also sell direct on Gumroad. Distribute original music to streaming platforms. DistroKid, TuneCore, and similar services put your music on Spotify, Apple Music, and everywhere else. Royalties per stream are small, but they add up over time and the music stays up indefinitely. Create royalty-free music for content creators. YouTubers, podcasters, and filmmakers need background music they can use without copyright strikes. Sell it on platforms like Pond5 or Artlist, or even direct. Create and sell meditation or sleep audio. Guided meditations, sleep stories, binaural beats, nature soundscapes. Sell them as downloads, put them on YouTube, or distribute as a podcast. The wellness space is big and growing. Narrate audiobooks through ACX. Amazon's audiobook platform connects narrators with authors. You can do royalty-share deals where you narrate for free upfront and split the royalties. It's work initially, but the royalties are genuinely passive after that. physical and local stuff Buy a vending machine and place it somewhere with foot traffic. Gyms, laundromats, apartment lobbies, office buildings. Used machines can be found for a few hundred bucks. You restock once a week and collect cash or card payments passively. Own and operate a laundry machine in a shared space. Some apartment buildings let you place coin-op washers and dryers. The machines need maintenance occasionally, but mostly they just sit there making money. Rent out a parking space. If you have a driveway, garage spot, or extra space near a downtown area, airport, or stadium, people will pay monthly to use it. Apps like SpotHero or JustPark handle the listing. Rent out storage space in your garage or basement. Neighbor and similar platforms connect people who need storage with people who have extra space. You're basically running a micro storage unit from your house. Rent out equipment or tools you own. Power tools, cameras, camping gear, projectors, kayaks. Fat Llama and similar platforms handle the marketplace side. If you already own the stuff, it's pure profit. Rent out your car on Turo. If your car sits unused part of the week, list it on Turo and let people rent it. The platform handles insurance. Obviously there's wear and tear to consider, but for newer cars in good areas the math can work. Buy party or event equipment and rent it out. Bounce houses, tables, chairs, photo booths, projector screens. Local Facebook marketplace and Craigslist are surprisingly effective for booking these. The upfront cost pays for itself after a handful of rentals. Sell advertising space on your car. Companies like Wrapify and Carvertise pay you to wrap your car in ads and just drive around like you normally would. The income depends on your area and driving habits, but it's about as passive as it gets. online services and automation Sell lead generation to local businesses. Build a simple website targeting "[service] in [city]" keywords (like "plumber in Austin"), get it ranking in Google, and sell the leads to actual local businesses. Takes SEO knowledge but the ongoing effort is minimal once it's ranking. Build a niche affiliate site and let it run. Similar to the blog idea but more focused. Pick one product category, write thorough comparison and review content, and monetize with affiliate commissions. The whole point is building it to the point where you can basically stop and it keeps earning. Create a Chrome extension. If you can code even a little (or learn), simple utility extensions can get thousands of users. Monetize with a freemium model or a small one-time fee. Tab managers, productivity tools, and niche utilities do well. Create a simple SaaS tool. This one has a higher skill floor, but even basic tools that solve a specific problem (invoice generator, social media scheduler, simple CRM) can generate monthly recurring revenue. No-code platforms like Bubble make this more accessible than it used to be. Create a simple mobile app. Utility apps, habit trackers, niche calculators. The app stores are crowded, but hyper-specific tools that solve one problem well can still find users. Ad revenue or a small price tag, either way it's passive after launch. Create an API service. If you're technical, packaging a useful function as a paid API (data lookup, text processing, image conversion) and listing it on RapidAPI can generate usage-based income. Build and sell automated workflows. Zapier templates, Make (formerly Integromat) blueprints, or pre-built automations for specific business tasks. Small businesses will pay for ready-made automation instead of figuring it out themselves. Flip websites. Buy underperforming websites on Flippa or Empire Flippers, improve them (better content, SEO cleanup, design refresh), and resell at a higher price. Or keep them and earn from the traffic. Flip domain names. Buy domains you think will have value and resell them. This is more speculative, and most domains don't sell, but the ones that do can go for way more than the $10-15 registration cost. Create a deal or coupon aggregation site. Pick a niche (baby products, pet supplies, gaming gear), aggregate deals and coupons, and monetize through affiliate links. The content is partially crowd-sourced since your users submit deals too. investing and money stuff Invest in index funds. Probably the most classic passive income move there is. You buy a broad market index fund, contribute regularly, and let compound growth do the work over years. Not exciting, but it's boring in the best way. Invest in dividend-paying stocks or ETFs. Companies that pay regular dividends give you actual cash just for holding shares. Reinvest the dividends early on, and eventually the payouts become meaningful. The specific yields change constantly so do your own research on current options. Open a high-yield savings account. Not going to make you rich, but it's literally the easiest passive income that exists. Your money sits there and earns interest. Rates change with the market, so shop around for the best current rate. Buy Treasury bonds or I-bonds. Government-backed, very low risk, and they pay interest. I-bonds in particular adjust for inflation, which is a nice feature. You can buy them directly through TreasuryDirect.gov. Invest in REITs. Real estate investment trusts let you invest in real estate without buying property. They trade like stocks and are required to distribute most of their income as dividends. It's real estate exposure without being a landlord. Try real estate crowdfunding. Platforms like Fundrise let you invest in real estate projects with relatively small amounts. Your money gets pooled with others to fund development or rental properties. Less liquid than stocks though, so know that going in. Open a CD ladder. Certificates of deposit lock your money for a set term in exchange for a guaranteed interest rate. A CD ladder staggers the terms so you always have one maturing and can reinvest or access the cash. Rates vary so compare current offerings. Peer-to-peer lending. Platforms where you lend money to individuals and earn interest on the repayments. There's default risk involved, so it's not risk-free, but spreading across many small loans helps. The major platforms in this space have shifted over the years so look into what's currently available. Invest in farmland or agricultural REITs. There are platforms now that let you invest in actual farmland and earn returns from crop yields and land appreciation. It's a niche asset class but it's genuinely accessible with small amounts now. Fractional real estate investing. Some platforms let you buy shares in individual rental properties and receive proportional rental income. Lower barrier to entry than buying a whole property, though liquidity is limited. semi-passive physical income Rent out a room in your home. Whether through Airbnb for short-term or a traditional lease for long-term, renting a spare room is one of the most straightforward ways to generate passive-ish income from something you already have. Airbnb or short-term rental. If you have a whole unit, guest house, or even just a unique space (a yurt, a treehouse, a converted van), the short-term rental game can be solid. It's more work than people think with cleaning and guest management, but you can hire that out once the numbers work. Set up a Little Free Library with a tip jar or Patreon. This is a micro-idea and won't pay bills, but some people run curated book exchange boxes in their neighborhoods with a small donation link. More of a community thing with a tiny income stream attached. Grow and sell plants or produce. If you have outdoor space, growing herbs, microgreens, succulents, or seasonal produce to sell at farmers markets or to local restaurants can be surprisingly steady. The plants do most of the work, you just maintain them. Beekeeping for honey sales. Higher startup effort and cost, but once the hive is established, honey harvests are seasonal income with minimal weekly time. Local honey especially sells well at premium prices. creative and unconventional Sell knitting, crochet, or sewing patterns. If you make things by hand, selling the pattern is way more scalable than selling the finished product. Ravelry, Etsy, and your own site all work. One popular pattern can sell thousands of copies. Write and sell sheet music or guitar tabs. If you're musical, arrangements of popular songs or original compositions have a market. Musicnotes and similar platforms handle distribution. Sell workout plans or fitness programs. Write up a 4-week or 8-week program as a PDF, sell it on Gumroad or Etsy. If you know your way around any fitness niche (bodyweight, running plans, yoga sequences), there's demand. Sell meal prep plans or recipe ebooks. Niche these down hard... keto meal plans, budget family dinners, vegan bodybuilding recipes. Specific beats generic in this space. Create and sell wedding or event planning templates. Timelines, budget trackers, guest list managers, seating chart templates. Engaged couples are very motivated buyers. Write for content mills and republish on Medium. Medium's Partner Program pays based on engagement. Some writers treat it as passive by building a backlog of articles that continue earning months later. The per-article income is small but it compounds. Create a quote or inspiration account and monetize it. Build a following around curated quotes on Instagram or Pinterest, then monetize through print-on-demand products, affiliate links, or sponsored posts. The content is simple and batch-able. Sell Canva templates. Social media posts, presentations, business cards, logos. Canva's marketplace or your own Etsy shop. Since so many small businesses use Canva, there's a built-in audience that doesn't want to design from scratch. Start a print-on-demand calendar business. Design wall calendars, desk calendars, or planner-style calendars with niche themes (dogs, plants, cars, motivational quotes) and sell through Amazon or Etsy with POD fulfillment. Create an online quiz or assessment tool. "What type of [X] are you?" quizzes drive traffic like crazy. Build one with a free tool, embed it on a site, and monetize the traffic or use it as a lead magnet for other products. Sell notion, Airtable, or Trello board templates for specific industries. A pre-built CRM for freelancers, a content calendar for YouTubers, a wedding planning board. Industry-specific templates sell better than generic ones. Create a resource page and monetize with affiliates. Just a single well-organized page of recommended tools, books, or products in your niche with affiliate links. It's basically a curated list that earns commissions. Build a coupon or cashback browser extension. Technical but doable. Extensions that automatically find and apply coupons or track price drops can grow through word of mouth and generate affiliate revenue. Archive and sell vintage or niche digital content. Old public domain books reformatted nicely, curated collections of royalty-free resources, organized databases of niche information. Packaging existing free information in a more usable format has real value. Create a "start here" resource hub for a niche and monetize it. Pick a topic (homebrewing, birdwatching, budget travel, whatever), build the most helpful beginner guide on the internet for it, and monetize with ads and affiliates. One great resource page can drive traffic for years with minimal updates. Probably the biggest thing to keep in mind is that none of these turn into real income overnight. The word "passive" does a lot of heavy lifting and honestly most of these are "active upfront, passive later" at best. But the whole point is that you build something once and it keeps working for you, which is a fundamentally different model than trading hours for dollars. If you've tried any of these or have ones that aren't on the list, drop them in the comments. submitted by /u/lionpenguin88 to r/beermoneyideas [link] [comments]

You may also be interested in - One Question Mini Reading Limited Time Offer https://www.reddit.com/r/PsychicServices/comments/1trfda1/ask_giftedsoul_650_per_question_mini_reading/ _____________________________Live Chat Also Available - https://www.reddit.com/r/Spiritual_Energy/comments/1q1ca55/live_chat_sessions_payment_is_required_upfront/_______________________________ _____________________________________________________________________________________ Please continue reading below to find out more about this particular Will they contact you + Direct Message From Them To You! $4.44 as is! Accepting Cash app, paypal, & Venmo! If you'd like to ask extra yes/no questions to this it's $2.22 per yes/no question. Extra Love Message Cards : $2.22 per love message card. The direct message is channeled and will display brief insight into what you need to know regarding the connection and/or where their mind is at currently. This is not an in depth reading hence the price! You will receive 2 cards. One has a variation of yes/no/.maybe that answers whether or not contact from someone is to be expected and the 2nd/final card lies the direct message from them to you. **NOTE** I do have in-depth options available for all kinds of readings, but this particular service and those like it are designed to assist those who are needing clarity, but just enough to get the gist of the overall energy as well as for those that are on a budget. Unfortunately , in order to offer cheaper services , I do have to make sure that it is a fair exchange of energy, not just for you, but me as the one that is tapping into these energies. Also, this was not something that was necessarily my idea, I believe that spirit put this on my heart to do. Please also provide me with your first name or initials as well as your person's. Knowing the status of the connection upfront may also help! Background information is not required, though I welcome any key details you feel are imperative to share. This helps focus the energy and to not waste time during your reading. Ultimately, Spirit reveals only what is meant to be known at the time of your analysis. I don't need birth dates! Typically readings that aren't live are sent via email, so I will need an email address so that you will receive your reading. i don't mind sending them here if you prefer though. Lastly, please understand that I cannot control the outcome of your reading. I allow my guides to lead the way, trusting that the messages meant for you will be revealed. What appears may not reflect your desired outcome, but rather what your spirit needs to hear the most. Remain open and receptive to the guidance that unfolds. Waiting time- This reading should be completed and received by the customer within 1-3 hours after purchase - This is the only service that I will provide this quickly. (Small delays may occur, although rare)Life happens, but I do make it a priority to update my clients as soon as I can should the odds not rule in my favor. You'll always get the reading in the end! *Disclaimer*- Results may vary from person to person and may not be subjective to your specific situation. Although I have a high accuracy level please do view this as entertainment only. Please do not use my services as a substitute for any health (including mental health and other disorders), legal, financial or any other advice given to you by a qualified professional. I am not responsible for any consequences based upon an action you chose to take following a reading by me. Please do not make any life altering decisions based on a reading. I’m here not only to guide you, but to help you trust your own intuition ,inner wisdom & or discernment. I do my best to deliver Spirit’s messages truthfully — not always what we want to hear, but what we need to hear. Must be 18+ No cancellations, refunds, or exchanges All sales are final submitted by /u/GiftedSoul777 to r/PsychicServices [link] [comments]

Will they contact you + Direct Message From Them To You! $4.44 as is! Accepting Cash app, paypal, & Venmo! If you'd like to ask extra yes/no questions to this it's $2.22 per yes/no question. Extra Love Message Cards : $2.22 per love message card. The direct message is channeled and will display brief insight into what you need to know regarding the connection and/or where their mind is at currently. This is not an in depth reading hence the price! You will receive 2 cards. One has a variation of yes/no/.maybe that answers whether or not contact from someone is to be expected and the 2nd/final card lies the direct message from them to you. **NOTE** I do have in-depth options available for all kinds of readings, but this particular service and those like it are designed to assist those who are needing clarity, but just enough to get the gist of the overall energy as well as for those that are on a budget. Unfortunately , in order to offer cheaper services , I do have to make sure that it is a fair exchange of energy, not just for you, but me as the one that is tapping into these energies. Also, this was not something that was necessarily my idea, I believe that spirit put this on my heart to do. Please also provide me with your first name or initials as well as your person's. Knowing the status of the connection upfront may also help! Background information is not required, though I welcome any key details you feel are imperative to share. This helps focus the energy and to not waste time during your reading. Ultimately, Spirit reveals only what is meant to be known at the time of your analysis. I don't need birth dates! Typically readings that aren't live are sent via email, so I will need an email address so that you will receive your reading. i don't mind sending them here if you prefer though. Lastly, please understand that I cannot control the outcome of your reading. I allow my guides to lead the way, trusting that the messages meant for you will be revealed. What appears may not reflect your desired outcome, but rather what your spirit needs to hear the most. Remain open and receptive to the guidance that unfolds. Waiting time- This reading should be completed and received by the customer within 1-3 hours after purchase - This is the only service that I will provide this quickly. (Small delays may occur, although rare)Life happens, but I do make it a priority to update my clients as soon as I can should the odds not rule in my favor. You'll always get the reading in the end! *Disclaimer*- Results may vary from person to person and may not be subjective to your specific situation. Although I have a high accuracy level please do view this as entertainment only. Please do not use my services as a substitute for any health (including mental health and other disorders), legal, financial or any other advice given to you by a qualified professional. I am not responsible for any consequences based upon an action you chose to take following a reading by me. Please do not make any life altering decisions based on a reading. I’m here not only to guide you, but to help you trust your own intuition ,inner wisdom & or discernment. I do my best to deliver Spirit’s messages truthfully — not always what we want to hear, but what we need to hear. Must be 18+ No cancellations, refunds, or exchanges All sales are final submitted by /u/GiftedSoul777 to r/Spiritual_Energy [link] [comments]

Did a follow-up to my last list. Same approach: Reddit rant threads as demand signals, niche-first, clear monetization. This time I added two new categories that were missing before — Parenting & Education (massively underserved) and Community & Social (anti-platform fatigue is real). Same rule as before: if someone writes 3 paragraphs about a problem on Reddit, they'll pay to fix it. 🧠 AI & Productivity AI email triage coach — Learns your reply patterns and drafts responses in your voice. Not another inbox — a ghostwriter that gets better weekly. Monetize: Freemium → $8/mo Context-aware focus timer — Reads your calendar, current task, and time of day to set adaptive focus blocks. Pomodoro for the chaotic worker. Monetize: $5/mo AI reading pace tracker — Set an annual reading goal, log books, and get nudged based on your actual pace — not a static reminder. Built for non-fiction readers. Monetize: One-time $4 Meeting prep assistant — Paste a calendar invite, get a briefing doc: who's attending, their recent news, talking points, open questions from last time. Monetize: $10/mo AI legal plain-English translator — Paste any contract clause, get a plain-English breakdown with flagged risks. For freelancers and renters who can't afford lawyers. Monetize: Freemium → $7/mo 💸 Finance Bill negotiation tracker — Log recurring bills, get reminded when contracts expire, and get a script to call and negotiate them down. Proven savings category. Monetize: Success fee (10% of savings) Tax deduction diary for freelancers — Photo receipts on-the-go, auto-categorize by deduction type, export at tax time. Simpler than QuickBooks, smarter than a spreadsheet. Monetize: Freemium → $6/mo FIRE progress tracker — Input income, spend, investments — get a live FI number and projected date. The r/financialindependence community is massive and underserved by apps. Monetize: One-time $9 Price drop stalker — Paste any product URL, get notified when price drops across all retailers including used marketplaces. No account required. Monetize: Affiliate Cash flow calendar for solopreneurs — Visualizes when money comes in vs. goes out across the month. Catches the gap between invoice sent and rent due. Monetize: $12/mo 🏥 Health & Wellness Posture check for desk workers — Uses front camera to detect slouching every 30 min and logs posture trends over time. Massive remote-work pain point. Monetize: Freemium → $5/mo Perimenopause symptom tracker — Logs mood, sleep, hot flashes, cycle changes with a doctor-exportable report. Huge demographic completely ignored by apps. Monetize: Freemium → $8/mo Sobriety accountability app (private) — Streak tracking, urge logging, anonymous peer support. No social feed, no gamification — just honest daily check-ins. Monetize: Freemium Migraine trigger diary — Log weather, food, sleep, hormones and surface your personal triggers over time. Exportable for neurologist visits. Monetize: Freemium → $5/mo Dental hygiene coach — Tracks brushing time, flossing streaks, last cleaning date, and reminds you before dental visits with a prep checklist. Oddly untapped. Monetize: One-time $3 🛠️** B2B & Vertical Tool**s Client onboarding checklist for agencies — Branded, shareable onboarding flows for marketing or design agencies. Client fills out, PM gets notified. No code needed. Monetize: $25/mo Podcast guest CRM — Track outreach, follow-ups, recording dates, episode status, and guest bios. Every podcaster does this in a spreadsheet right now. Monetize: $15/mo Equipment maintenance log for food trucks — Tracks generator, fryer, refrigeration service dates, flags overdue maintenance. Food trucks run on chaos and ignored maintenance schedules. Monetize: $20/mo Freelance scope creep detector — Log project deliverables at kickoff, then flag when client requests fall outside scope. Built for designers and copywriters. Monetize: $10/mo Dog groomer appointment + notes app — Booking, per-dog grooming notes, coat history, owner SMS reminders. Groomers run on paper or Facebook messages. Monetize: $18/mo 🌍 Community & Social Anonymous local forum (not Reddit) — Neighborhood-level anonymous discussions with GPS-verified posts. No national politics — just local noise complaints and good restaurant tips. Monetize: Local ads Skill swap marketplace — Trade skills without money. A plumber trades with a web designer. Verified locally. Anti-gig economy. Monetize: Premium listings Grief support community — Type-of-loss filtered peer groups (cancer, accident, pet, miscarriage). No advice unless asked. Just being heard. Monetize: Freemium Hobbyist collectibles valuation app — Photo your vintage toy, comic, or card. Get real-time eBay sold comps and build a portfolio value tracker. Massive collector community. Monetize: Freemium → $6/mo Neighborhood noise log — Document recurring noise complaints with timestamps, decibel readings, and auto-formatted letters for landlords or councils. Monetize: One-time $3 👶 Parenting & Education Chore chart with real allowance logic — Kids complete chores, parents approve, allowance auto-calculated. Connects to Greenlight or similar. No more Friday arguments. Monetize: Freemium → $5/mo School pickup coordination app — For families with multiple kids in different schools — consolidates dismissal times, carpool rotations, and after-school pickups. Monetize: Freemium Baby milestone tracker (offline, private) — Log firsts, growth, feeding — all stored locally. No account, no cloud, no data selling. Huge demand from privacy-conscious parents. Monetize: One-time $5 Homework helper that teaches, not cheats — Student types a math or science problem, gets Socratic hints — not the answer. Positioned as the anti-ChatGPT for parents. Monetize: $8/mo family plan Teen digital literacy course app — Short lessons on spotting misinformation, understanding algorithms, and online safety — co-designed with parents. Schools are desperate for this. Monetize: $4/mo or school license A few meta-observations from building this list: Privacy as a feature keeps showing up. Offline-first, no-account apps are a real gap. Baby tracker, FIRE tracker, sobriety app — people are tired of their data being the product. Demographic blind spots are the biggest opportunities. Perimenopause, solopreneurs, grieving people, first-gen wealth builders — passionate audiences with almost no dedicated tooling. Paper-to-app conversions are the easiest B2B sell. Dog groomers, food truck operators, and podcasters are living in spreadsheets or Facebook messages right now. The bar to "better" is extremely low. Success-fee monetization is underused. The bill negotiation idea only charges when it delivers value. Lowers conversion friction dramatically. My top 3 personal picks for strongest demand signal: perimenopause tracker, freelance scope creep detector, teen digital literacy app. All three have loud Reddit threads and no clear market winner. What's your niche? Happy to go deeper on any of these. 👇 submitted by /u/Dapper_Draw_4049 to r/Natively [link] [comments]

Did a follow-up to my last list. Same approach: Reddit rant threads as demand signals, niche-first, clear monetization. This time I added two new categories that were missing before — Parenting & Education (massively underserved) and Community & Social (anti-platform fatigue is real). Same rule as before: if someone writes 3 paragraphs about a problem on Reddit, they'll pay to fix it. 🧠 AI & Productivity AI email triage coach — Learns your reply patterns and drafts responses in your voice. Not another inbox — a ghostwriter that gets better weekly. Monetize: Freemium → $8/mo Context-aware focus timer — Reads your calendar, current task, and time of day to set adaptive focus blocks. Pomodoro for the chaotic worker. Monetize: $5/mo AI reading pace tracker — Set an annual reading goal, log books, and get nudged based on your actual pace — not a static reminder. Built for non-fiction readers. Monetize: One-time $4 Meeting prep assistant — Paste a calendar invite, get a briefing doc: who's attending, their recent news, talking points, open questions from last time. Monetize: $10/mo AI legal plain-English translator — Paste any contract clause, get a plain-English breakdown with flagged risks. For freelancers and renters who can't afford lawyers. Monetize: Freemium → $7/mo 💸 Finance Bill negotiation tracker — Log recurring bills, get reminded when contracts expire, and get a script to call and negotiate them down. Proven savings category. Monetize: Success fee (10% of savings) Tax deduction diary for freelancers — Photo receipts on-the-go, auto-categorize by deduction type, export at tax time. Simpler than QuickBooks, smarter than a spreadsheet. Monetize: Freemium → $6/mo FIRE progress tracker — Input income, spend, investments — get a live FI number and projected date. The r/financialindependence community is massive and underserved by apps. Monetize: One-time $9 Price drop stalker — Paste any product URL, get notified when price drops across all retailers including used marketplaces. No account required. Monetize: Affiliate Cash flow calendar for solopreneurs — Visualizes when money comes in vs. goes out across the month. Catches the gap between invoice sent and rent due. Monetize: $12/mo 🏥 Health & Wellness Posture check for desk workers — Uses front camera to detect slouching every 30 min and logs posture trends over time. Massive remote-work pain point. Monetize: Freemium → $5/mo Perimenopause symptom tracker — Logs mood, sleep, hot flashes, cycle changes with a doctor-exportable report. Huge demographic completely ignored by apps. Monetize: Freemium → $8/mo Sobriety accountability app (private) — Streak tracking, urge logging, anonymous peer support. No social feed, no gamification — just honest daily check-ins. Monetize: Freemium Migraine trigger diary — Log weather, food, sleep, hormones and surface your personal triggers over time. Exportable for neurologist visits. Monetize: Freemium → $5/mo Dental hygiene coach — Tracks brushing time, flossing streaks, last cleaning date, and reminds you before dental visits with a prep checklist. Oddly untapped. Monetize: One-time $3 🛠️** B2B & Vertical Tool**s Client onboarding checklist for agencies — Branded, shareable onboarding flows for marketing or design agencies. Client fills out, PM gets notified. No code needed. Monetize: $25/mo Podcast guest CRM — Track outreach, follow-ups, recording dates, episode status, and guest bios. Every podcaster does this in a spreadsheet right now. Monetize: $15/mo Equipment maintenance log for food trucks — Tracks generator, fryer, refrigeration service dates, flags overdue maintenance. Food trucks run on chaos and ignored maintenance schedules. Monetize: $20/mo Freelance scope creep detector — Log project deliverables at kickoff, then flag when client requests fall outside scope. Built for designers and copywriters. Monetize: $10/mo Dog groomer appointment + notes app — Booking, per-dog grooming notes, coat history, owner SMS reminders. Groomers run on paper or Facebook messages. Monetize: $18/mo 🌍 Community & Social Anonymous local forum (not Reddit) — Neighborhood-level anonymous discussions with GPS-verified posts. No national politics — just local noise complaints and good restaurant tips. Monetize: Local ads Skill swap marketplace — Trade skills without money. A plumber trades with a web designer. Verified locally. Anti-gig economy. Monetize: Premium listings Grief support community — Type-of-loss filtered peer groups (cancer, accident, pet, miscarriage). No advice unless asked. Just being heard. Monetize: Freemium Hobbyist collectibles valuation app — Photo your vintage toy, comic, or card. Get real-time eBay sold comps and build a portfolio value tracker. Massive collector community. Monetize: Freemium → $6/mo Neighborhood noise log — Document recurring noise complaints with timestamps, decibel readings, and auto-formatted letters for landlords or councils. Monetize: One-time $3 👶 Parenting & Education Chore chart with real allowance logic — Kids complete chores, parents approve, allowance auto-calculated. Connects to Greenlight or similar. No more Friday arguments. Monetize: Freemium → $5/mo School pickup coordination app — For families with multiple kids in different schools — consolidates dismissal times, carpool rotations, and after-school pickups. Monetize: Freemium Baby milestone tracker (offline, private) — Log firsts, growth, feeding — all stored locally. No account, no cloud, no data selling. Huge demand from privacy-conscious parents. Monetize: One-time $5 Homework helper that teaches, not cheats — Student types a math or science problem, gets Socratic hints — not the answer. Positioned as the anti-ChatGPT for parents. Monetize: $8/mo family plan Teen digital literacy course app — Short lessons on spotting misinformation, understanding algorithms, and online safety — co-designed with parents. Schools are desperate for this. Monetize: $4/mo or school license A few meta-observations from building this list: Privacy as a feature keeps showing up. Offline-first, no-account apps are a real gap. Baby tracker, FIRE tracker, sobriety app — people are tired of their data being the product. Demographic blind spots are the biggest opportunities. Perimenopause, solopreneurs, grieving people, first-gen wealth builders — passionate audiences with almost no dedicated tooling. Paper-to-app conversions are the easiest B2B sell. Dog groomers, food truck operators, and podcasters are living in spreadsheets or Facebook messages right now. The bar to "better" is extremely low. Success-fee monetization is underused. The bill negotiation idea only charges when it delivers value. Lowers conversion friction dramatically. My top 3 personal picks for strongest demand signal: perimenopause tracker, freelance scope creep detector, teen digital literacy app. All three have loud Reddit threads and no clear market winner. What's your niche? Happy to go deeper on any of these. 👇 submitted by /u/Dapper_Draw_4049 to r/Newlyapp [link] [comments]

Did a follow-up to my last list. Same approach: Reddit rant threads as demand signals, niche-first, clear monetization. This time I added two new categories that were missing before — Parenting & Education (massively underserved) and Community & Social (anti-platform fatigue is real). Same rule as before: if someone writes 3 paragraphs about a problem on Reddit, they'll pay to fix it. 🧠 AI & Productivity AI email triage coach — Learns your reply patterns and drafts responses in your voice. Not another inbox — a ghostwriter that gets better weekly. Monetize: Freemium → $8/mo Context-aware focus timer — Reads your calendar, current task, and time of day to set adaptive focus blocks. Pomodoro for the chaotic worker. Monetize: $5/mo AI reading pace tracker — Set an annual reading goal, log books, and get nudged based on your actual pace — not a static reminder. Built for non-fiction readers. Monetize: One-time $4 Meeting prep assistant — Paste a calendar invite, get a briefing doc: who's attending, their recent news, talking points, open questions from last time. Monetize: $10/mo AI legal plain-English translator — Paste any contract clause, get a plain-English breakdown with flagged risks. For freelancers and renters who can't afford lawyers. Monetize: Freemium → $7/mo 💸 Finance Bill negotiation tracker — Log recurring bills, get reminded when contracts expire, and get a script to call and negotiate them down. Proven savings category. Monetize: Success fee (10% of savings) Tax deduction diary for freelancers — Photo receipts on-the-go, auto-categorize by deduction type, export at tax time. Simpler than QuickBooks, smarter than a spreadsheet. Monetize: Freemium → $6/mo FIRE progress tracker — Input income, spend, investments — get a live FI number and projected date. The r/financialindependence community is massive and underserved by apps. Monetize: One-time $9 Price drop stalker — Paste any product URL, get notified when price drops across all retailers including used marketplaces. No account required. Monetize: Affiliate Cash flow calendar for solopreneurs — Visualizes when money comes in vs. goes out across the month. Catches the gap between invoice sent and rent due. Monetize: $12/mo 🏥 Health & Wellness Posture check for desk workers — Uses front camera to detect slouching every 30 min and logs posture trends over time. Massive remote-work pain point. Monetize: Freemium → $5/mo Perimenopause symptom tracker — Logs mood, sleep, hot flashes, cycle changes with a doctor-exportable report. Huge demographic completely ignored by apps. Monetize: Freemium → $8/mo Sobriety accountability app (private) — Streak tracking, urge logging, anonymous peer support. No social feed, no gamification — just honest daily check-ins. Monetize: Freemium Migraine trigger diary — Log weather, food, sleep, hormones and surface your personal triggers over time. Exportable for neurologist visits. Monetize: Freemium → $5/mo Dental hygiene coach — Tracks brushing time, flossing streaks, last cleaning date, and reminds you before dental visits with a prep checklist. Oddly untapped. Monetize: One-time $3 🛠️** B2B & Vertical Tool**s Client onboarding checklist for agencies — Branded, shareable onboarding flows for marketing or design agencies. Client fills out, PM gets notified. No code needed. Monetize: $25/mo Podcast guest CRM — Track outreach, follow-ups, recording dates, episode status, and guest bios. Every podcaster does this in a spreadsheet right now. Monetize: $15/mo Equipment maintenance log for food trucks — Tracks generator, fryer, refrigeration service dates, flags overdue maintenance. Food trucks run on chaos and ignored maintenance schedules. Monetize: $20/mo Freelance scope creep detector — Log project deliverables at kickoff, then flag when client requests fall outside scope. Built for designers and copywriters. Monetize: $10/mo Dog groomer appointment + notes app — Booking, per-dog grooming notes, coat history, owner SMS reminders. Groomers run on paper or Facebook messages. Monetize: $18/mo 🌍 Community & Social Anonymous local forum (not Reddit) — Neighborhood-level anonymous discussions with GPS-verified posts. No national politics — just local noise complaints and good restaurant tips. Monetize: Local ads Skill swap marketplace — Trade skills without money. A plumber trades with a web designer. Verified locally. Anti-gig economy. Monetize: Premium listings Grief support community — Type-of-loss filtered peer groups (cancer, accident, pet, miscarriage). No advice unless asked. Just being heard. Monetize: Freemium Hobbyist collectibles valuation app — Photo your vintage toy, comic, or card. Get real-time eBay sold comps and build a portfolio value tracker. Massive collector community. Monetize: Freemium → $6/mo Neighborhood noise log — Document recurring noise complaints with timestamps, decibel readings, and auto-formatted letters for landlords or councils. Monetize: One-time $3 👶 Parenting & Education Chore chart with real allowance logic — Kids complete chores, parents approve, allowance auto-calculated. Connects to Greenlight or similar. No more Friday arguments. Monetize: Freemium → $5/mo School pickup coordination app — For families with multiple kids in different schools — consolidates dismissal times, carpool rotations, and after-school pickups. Monetize: Freemium Baby milestone tracker (offline, private) — Log firsts, growth, feeding — all stored locally. No account, no cloud, no data selling. Huge demand from privacy-conscious parents. Monetize: One-time $5 Homework helper that teaches, not cheats — Student types a math or science problem, gets Socratic hints — not the answer. Positioned as the anti-ChatGPT for parents. Monetize: $8/mo family plan Teen digital literacy course app — Short lessons on spotting misinformation, understanding algorithms, and online safety — co-designed with parents. Schools are desperate for this. Monetize: $4/mo or school license A few meta-observations from building this list: Privacy as a feature keeps showing up. Offline-first, no-account apps are a real gap. Baby tracker, FIRE tracker, sobriety app — people are tired of their data being the product. Demographic blind spots are the biggest opportunities. Perimenopause, solopreneurs, grieving people, first-gen wealth builders — passionate audiences with almost no dedicated tooling. Paper-to-app conversions are the easiest B2B sell. Dog groomers, food truck operators, and podcasters are living in spreadsheets or Facebook messages right now. The bar to "better" is extremely low. Success-fee monetization is underused. The bill negotiation idea only charges when it delivers value. Lowers conversion friction dramatically. My top 3 personal picks for strongest demand signal: perimenopause tracker, freelance scope creep detector, teen digital literacy app. All three have loud Reddit threads and no clear market winner. What's your niche? Happy to go deeper on any of these. 👇 submitted by /u/Dapper_Draw_4049 to r/startupideas [link] [comments]

Did a follow-up to my last list. Same approach: Reddit rant threads as demand signals, niche-first, clear monetization. This time I added two new categories that were missing before — Parenting & Education (massively underserved) and Community & Social (anti-platform fatigue is real). Same rule as before: if someone writes 3 paragraphs about a problem on Reddit, they'll pay to fix it. 🧠 AI & Productivity AI email triage coach — Learns your reply patterns and drafts responses in your voice. Not another inbox — a ghostwriter that gets better weekly. Monetize: Freemium → $8/mo Context-aware focus timer — Reads your calendar, current task, and time of day to set adaptive focus blocks. Pomodoro for the chaotic worker. Monetize: $5/mo AI reading pace tracker — Set an annual reading goal, log books, and get nudged based on your actual pace — not a static reminder. Built for non-fiction readers. Monetize: One-time $4 Meeting prep assistant — Paste a calendar invite, get a briefing doc: who's attending, their recent news, talking points, open questions from last time. Monetize: $10/mo AI legal plain-English translator — Paste any contract clause, get a plain-English breakdown with flagged risks. For freelancers and renters who can't afford lawyers. Monetize: Freemium → $7/mo 💸 Finance Bill negotiation tracker — Log recurring bills, get reminded when contracts expire, and get a script to call and negotiate them down. Proven savings category. Monetize: Success fee (10% of savings) Tax deduction diary for freelancers — Photo receipts on-the-go, auto-categorize by deduction type, export at tax time. Simpler than QuickBooks, smarter than a spreadsheet. Monetize: Freemium → $6/mo FIRE progress tracker — Input income, spend, investments — get a live FI number and projected date. The r/financialindependence community is massive and underserved by apps. Monetize: One-time $9 Price drop stalker — Paste any product URL, get notified when price drops across all retailers including used marketplaces. No account required. Monetize: Affiliate Cash flow calendar for solopreneurs — Visualizes when money comes in vs. goes out across the month. Catches the gap between invoice sent and rent due. Monetize: $12/mo 🏥 Health & Wellness Posture check for desk workers — Uses front camera to detect slouching every 30 min and logs posture trends over time. Massive remote-work pain point. Monetize: Freemium → $5/mo Perimenopause symptom tracker — Logs mood, sleep, hot flashes, cycle changes with a doctor-exportable report. Huge demographic completely ignored by apps. Monetize: Freemium → $8/mo Sobriety accountability app (private) — Streak tracking, urge logging, anonymous peer support. No social feed, no gamification — just honest daily check-ins. Monetize: Freemium Migraine trigger diary — Log weather, food, sleep, hormones and surface your personal triggers over time. Exportable for neurologist visits. Monetize: Freemium → $5/mo Dental hygiene coach — Tracks brushing time, flossing streaks, last cleaning date, and reminds you before dental visits with a prep checklist. Oddly untapped. Monetize: One-time $3 🛠️** B2B & Vertical Tool**s Client onboarding checklist for agencies — Branded, shareable onboarding flows for marketing or design agencies. Client fills out, PM gets notified. No code needed. Monetize: $25/mo Podcast guest CRM — Track outreach, follow-ups, recording dates, episode status, and guest bios. Every podcaster does this in a spreadsheet right now. Monetize: $15/mo Equipment maintenance log for food trucks — Tracks generator, fryer, refrigeration service dates, flags overdue maintenance. Food trucks run on chaos and ignored maintenance schedules. Monetize: $20/mo Freelance scope creep detector — Log project deliverables at kickoff, then flag when client requests fall outside scope. Built for designers and copywriters. Monetize: $10/mo Dog groomer appointment + notes app — Booking, per-dog grooming notes, coat history, owner SMS reminders. Groomers run on paper or Facebook messages. Monetize: $18/mo 🌍 Community & Social Anonymous local forum (not Reddit) — Neighborhood-level anonymous discussions with GPS-verified posts. No national politics — just local noise complaints and good restaurant tips. Monetize: Local ads Skill swap marketplace — Trade skills without money. A plumber trades with a web designer. Verified locally. Anti-gig economy. Monetize: Premium listings Grief support community — Type-of-loss filtered peer groups (cancer, accident, pet, miscarriage). No advice unless asked. Just being heard. Monetize: Freemium Hobbyist collectibles valuation app — Photo your vintage toy, comic, or card. Get real-time eBay sold comps and build a portfolio value tracker. Massive collector community. Monetize: Freemium → $6/mo Neighborhood noise log — Document recurring noise complaints with timestamps, decibel readings, and auto-formatted letters for landlords or councils. Monetize: One-time $3 👶 Parenting & Education Chore chart with real allowance logic — Kids complete chores, parents approve, allowance auto-calculated. Connects to Greenlight or similar. No more Friday arguments. Monetize: Freemium → $5/mo School pickup coordination app — For families with multiple kids in different schools — consolidates dismissal times, carpool rotations, and after-school pickups. Monetize: Freemium Baby milestone tracker (offline, private) — Log firsts, growth, feeding — all stored locally. No account, no cloud, no data selling. Huge demand from privacy-conscious parents. Monetize: One-time $5 Homework helper that teaches, not cheats — Student types a math or science problem, gets Socratic hints — not the answer. Positioned as the anti-ChatGPT for parents. Monetize: $8/mo family plan Teen digital literacy course app — Short lessons on spotting misinformation, understanding algorithms, and online safety — co-designed with parents. Schools are desperate for this. Monetize: $4/mo or school license A few meta-observations from building this list: Privacy as a feature keeps showing up. Offline-first, no-account apps are a real gap. Baby tracker, FIRE tracker, sobriety app — people are tired of their data being the product. Demographic blind spots are the biggest opportunities. Perimenopause, solopreneurs, grieving people, first-gen wealth builders — passionate audiences with almost no dedicated tooling. Paper-to-app conversions are the easiest B2B sell. Dog groomers, food truck operators, and podcasters are living in spreadsheets or Facebook messages right now. The bar to "better" is extremely low. Success-fee monetization is underused. The bill negotiation idea only charges when it delivers value. Lowers conversion friction dramatically. My top 3 personal picks for strongest demand signal: perimenopause tracker, freelance scope creep detector, teen digital literacy app. All three have loud Reddit threads and no clear market winner. What's your niche? Happy to go deeper on any of these. 👇 submitted by /u/Dapper_Draw_4049 to r/ShowMeYourApps [link] [comments]

Just wanted to know if anyone has any idea about the Airtel transit card...their app FAQs mention that there are 3 variants of the card as follows: Airtel Payments Bank offers three variants of RuPay NCMC: Debit Card, Prepaid Card, and PPI MTS Card. Each variant is designed to cater to different customer needs and use cases, providing varying levels of functionality across transit, PoS, e-commerce, and ATM transactions. Their website FAQs also mention the same under NCMC card : What is Airtel Payments Bank RuPay NCMC enabled card? Airtel Payments Bank RuPay NCMC enabled card is a multi-purpose card that allows you to tap & pay for public transportation across various cities in India. It works on multiple modes like metros, buses, trains, and more where NCMC is enabled as mode of payment. Thus, eliminating the need for carrying multiple transit cards. Moreover, Min KYC prepaid card and savings account linked debit card variant can be used for online shopping on your favourite e-commerce websites and shopping at merchant terminals (POS) as well. With the Debit Card variant, you can also withdraw cash from any ATM near you. Think of it as a one-card-fits-all solution for your seamless travel and shopping needs! But there is no option choose the type of card anywhere....any idea what happens when we order the card? Ofcourse everyone would like to order the Debit Card variant...would be great to have card which works as a debit-cum-transit card....but idea how to choose it or if anything like that actually exists! Also a fun thing to know that their debit card FAQs mention nothing of NCMC capability meaning the debit card is a plain debit card and NCMC transit card has a variant which offers debit-cum-transit capability! But if Airtel has a seperate debit card already so I just wonder why would they have a debit-cum-transit card variant in their portfolio? Would be great if anyone knows anything about this confusion! submitted by /u/Embarrassed-Swim3228 to r/CreditCardsIndia [link] [comments]

Hello from the top of the World Trade Center and the Bilt launch event! The time has finally arrived. Bilt Card 2.0 is here. Below is the story and value props of Card 2.0. I will be back here in the subreddit between 2-3PM ET to do an AMA. I look forward to chatting with all of you shortly. Applications for Bilt Card 2.0 are live at 12:00 PM ET for existing cardholders and new applicants on the Bilt app and website. https://preview.redd.it/hztw28lljcdg1.png?width=2000&format=png&auto=webp&s=6fa2a2446ee53f25bc3601ef40da3548ec1256a9 Bilt Card 2.0 When we launched Bilt, the idea was simple: rent should be rewarding. That belief has grown into a full membership for where you live, rewarding members across 5.5 million homes and connecting them with exclusive benefits at tens of thousands of neighborhood locations, including restaurants, gyms, pharmacies, and more. As Bilt has grown, the focus has remained the same: more rewards, more choice, and more ways to get value from housing and everyday life. With the refreshed co-brand card program, the goal wasn’t just to adjust earnings, but to expand where members earn and how value shows up across both everyday spend and housing. For the first time, Bilt now extends beyond rent to include homeowners, allowing members to earn rewards on mortgage payments. Bilt Card 2.0 delivers the richest rewards on rent, mortgage, and everyday spend. Current cardholders must select their new card by January 30, 2026 to ensure a seamless transition. Four things to know about Bilt Card 2.0: Earn the most valuable points in the market All Bilt Cards earn points that rewards experts consistently rank among the most valuable, whether choosing a premium card or a no-annual-fee option. Earn points and 4% back in Bilt Cash Bilt Cards earn both points and 4% back in Bilt Cash on everyday spend. Bilt Cash is a new rewards currency that can be used for monthly credits at restaurants, hotels, rideshare, and more, or to unlock housing rewards, transfer bonuses, and exclusive access within the Bilt ecosystem. Pay rent and mortgage with no transaction fee Bilt allows rent payments with no transaction fee, and now mortgage payments as well. There is no preset spending limit on housing payments, housing payments do not use the credit line, members can earn across multiple homes, and there is no annual cap on housing points. Credits that can offset the annual fee Premium cards include built-in credits and benefits designed to deliver more value than the annual fee year after year. Housing rewards Renters and homeowners can pay rent or mortgage through Bilt with no transaction fee. Everyday spend fuels how many points can be unlocked on housing payments. The more the card is used, the more points can be earned on rent or mortgage. Key mechanics: Earn Bilt Cash on everyday spend and choose how to use it For every $30 in Bilt Cash earned, unlock 1,000 Bilt Points on rent or mortgage payments. There is no minimum Bilt cash required to earn points and increments of $30 is not required Points can be unlocked across multiple homes with no limit on the rent or mortgage you can pay Any remaining Bilt Cash can be used for travel, transfers, experiences, or monthly neighborhood credits Three cards designed to grow with you All Bilt Cards earn points, earn 4% back in Bilt Cash on everyday spend, and allow rent and mortgage payments with no transaction fee. All new cardholders receive a 10% introductory APR on new eligible purchases for up to 12 months, subject to approval. Let’s look at the three cards: Bilt Palladium Card $495 annual fee 2X points on everyday spend 4% back in Bilt Cash on everyday spend Limited-time 50,000-point sign-up bonus plus Bilt Gold Status after qualifying spend $600 in annual credits ($400 Bilt Travel Hotel credits + $200 Bilt Cash) $300 in additional Bilt Cash on account opening Up to 1X points on housing Premium Mastercard World Legend benefits including Priority Pass, purchase protection, no foreign transaction fees, extended warranty, price drop protection and more Bilt Obsidian Card $95 annual fee 3X points on dining or groceries 2X points on travel 1X points on all other spend 4% back in Bilt Cash on everyday purchases Up to 1X points on housing $100 in annual Bilt Travel Hotel credits $200 in Bilt Cash on approval Premium Mastercard World Elite everyday benefits including trip delay insurance, no foreign transaction fees, extended warranty and more Bilt Blue Card $0 annual fee 1X points on everyday spend 4% back in Bilt Cash on everyday spend Up to 1X points on housing $100 in Bilt Cash on account opening No annual fee, no foreign transaction fees, and authorized users and World Elite Mastercard benefits Seamless transition By selecting a new card by January 30, 2026: Card number stays the same Subscriptions and autopay continue uninterrupted Apple Pay and Google Pay update automatically Eligibility can be checked with no hard credit inquiry New card arrives by February 6 for use starting February 7 Partners Bilt Card 2.0 is powered by Cardless for digital card technology and issued by Column N.A., Member FDIC, with capital from Fidem Financial and its capital partners. https://newsroom.biltrewards.com/meetbiltcard2.0 The next chapter The original Bilt Card proved rent could be rewarding. Bilt Card 2.0 expands that promise to rent, mortgage, and everyday life, offering more flexibility, more ways to earn, and more control. Thank you for being a Bilt member and for being a part of what comes next. EDIT: As expected the site is at get massive traffic; we will open applications on a rolling basis on the Bilt website for existing Card 1.0 members and net new applicants. Again, I’ll be back this afternoon for an AMA and look forward to chatting at that time. -Kerr, Bilt submitted by /u/richklhs to r/biltrewards [link] [comments]

The advent of smartphones has brought forth a plethora of apps designed to generate additional income streams. These days, your smartphone can do much more than just help you scroll through social media or send messages, it can actually put a little extra cash in your pocket while keeping you entertained. Hey Cash Hey Cash is another app that has been gaining popularity thanks to its wide range of surveys and high payout options. It connects users with trusted market research companies that value genuine consumer opinions. What users often highlight about Hey Cash is the frequency of surveys and the variety of topics, meaning you’ll rarely run out of opportunities to earn. The app rewards you with PayPal transfers or gift cards, and it even offers bonus incentives for completing a streak of surveys over consecutive days. This makes it an excellent choice for users who want to build up consistent extra income. Link: Sign up in Hey Cash https://preview.redd.it/msf9i7w0tpcg1.png?width=280&format=png&auto=webp&s=ee972c8e68c628d700d2264a3c228f6380ccea6b ------------------ Honeygain Honeygain is one of the most popular apps for earning money by sharing your unused internet bandwidth. It works by allowing other users to use your internet connection to perform tasks such as web scraping, content delivery, and market research. In return, you receive payment for the data you provide. Honeygain is available for Windows, macOS, and Android devices. Earnings on Honeygain are calculated in credits, where 1,000 credits equal $1. Once a user reaches the minimum payout threshold of $20, they can request a withdrawal. The platform supports payouts via PayPal, which is the most commonly used method. Users simply link their PayPal account in the app, and the money is typically processed within a few business days. Link: Sign up in Honeygain https://preview.redd.it/fihv0w97tpcg1.png?width=365&format=png&auto=webp&s=9789072fbe5e9196cb7fec1e3ff32add73736704 ------------------ Top Surveys Top Surveys focuses exclusively on giving users access to a wide selection of paid questionnaires. It acts as an aggregator of survey providers, meaning you can access multiple survey sources from one place, which increases your chances of finding daily tasks to complete. Many of the surveys on Top Surveys tend to pay higher than average, especially for more detailed or specialized topics. Rewards are typically paid through PayPal or digital vouchers, giving you flexibility in how you use your earnings. The app is perfect for users who want a straightforward experience without distractions — just surveys and reliable payouts. Link: Sign up in TopSurveys https://preview.redd.it/77datvbetpcg1.png?width=244&format=png&auto=webp&s=d5277e6a2e754cb2cc8480d94442a274db494e5e ------------------ Givvy Videos Givvy Videos makes earning feel more like a binge-watching session than a job. The app pays you for watching short videos, ranging from funny skits and trending clips to entertaining content that you might end up watching even without the promise of cash. The fun part is that you can just relax, laugh at a few videos, and see your balance grow at the same time. It’s like turning your guilty pleasure of endlessly scrolling into something that actually pays. Link: Sign up in Givvy Videos App https://preview.redd.it/2qt2e87ktpcg1.jpg?width=360&format=pjpg&auto=webp&s=2f7fd861417c3859d8e55b0a2494150738ce0a6e ------------------ EarnApp EarnApp is an application compatible with several Operating Systems. You can use it with Windows, Linux and Android. EarnApp uses your free, unused internet bandwidth for companies research and it's also an original method to earn money online or passive income for any user. After download the App and install it on any device, your earnings are based on your location and the total volume of traffic EarnApp is able to send through your machine. You can see your earnings at any time on the EarnApp dashboard. There is no limit on your earnings. You will be paid when your balance goes over $2.5 using PayPal or when your balance goes over $50 using Amazon gift card. Link: Sign up in EarnApp https://preview.redd.it/6wkv6m4ptpcg1.png?width=320&format=png&auto=webp&s=ed17da433c19736a973d06c08e55ff024827d0d4 ------------------ WePointz WePointz is a mobile app that will reward you for playing mobile games and participating in the other earning opportunities it offers. The app is relatively easy to use, so you will not have a hard time getting used to how it works. To register, you just have to download and install the app (Available only for Android). Then you have to use your Google account to sign in. You will earn points for playing games, completing tasks and answering surveys. You can use them to redeem various rewards. The rewards you ca redeem will depend on your country, but the most common option will be PayPal. You can convert your points to cash via PayPal once you’ve earned at least 20,000 points. That will be equivalent to a $2 PayPal withdrawal. Link: Download WePointz App (if you enter the code WUVT67 you’ll get a 1.000 points free Bonus) https://preview.redd.it/0l4nqscvtpcg1.png?width=312&format=png&auto=webp&s=1eb5562c61a3bb9b4e687f1fbbd80c0d913b5950 ------------------ MultiPolls MultiPolls is designed for people who prefer quick and flexible ways to earn. Instead of focusing only on long questionnaires, the app includes short polls, daily quizzes, and micro-surveys that usually take just a few minutes to complete. This makes it easy to fit survey-taking into small breaks throughout your day. Users can redeem their accumulated points for cash or vouchers once they reach the withdrawal threshold. The app also provides a steady flow of surveys each day, ensuring there’s always something available to answer, whether you want to spend just five minutes or an hour earning. Link: Sign up in MultiPolls https://preview.redd.it/yien4sh0upcg1.jpg?width=324&format=pjpg&auto=webp&s=1b6652032d854c1c0ba302e5e23e364292970987 ------------------ Macadam Macadam is a mobile app designed to reward users for being active. Its main idea is simple: you walk, the app counts your steps, and you receive virtual coins that can later be exchanged for real rewards. It works in a similar way to other “move-to-earn” or "Paid to Walk" platforms, but with the added advantage that it also lets you earn money by doing small online activities such as games, surveys and microtasks. The app is available on both Android and iOS, so you just have to download it. Once installed, you create an account using your email address or your Google/Apple login. Although walking is the core mechanic, it is not the only way to make money with Macadam. The app constantly tracks your steps and converts them into points, so your daily strolls, commutes or gym sessions all contribute to your earnings. To supplement this, Macadam offers a game section where you can play casual mobile games that reward you with additional coins the more time you spend on them. Link (1.000 coins Bonus): Macadam App - Walk and Earn https://preview.redd.it/rqa639ioupcg1.png?width=311&format=png&auto=webp&s=9b8189326b294d9fc871ffdf3d1bd98938908c71 ------------------ Klink Klink: Earn Cash & Rewards is a mobile application that positions itself as a platform where users can earn cash and cryptocurrency by completing a variety of simple tasks on their smartphones. It is offered by Klink Finance Ltd and available through official app stores. The core proposition of the product is to reward everyday actions—such as playing mobile games, completing surveys, trying new applications, and participating in promotional campaigns—with monetary or crypto rewards that can be withdrawn. Link: Klink App - Earn Cash & Rewards https://preview.redd.it/bbp3nr24vpcg1.png?width=450&format=png&auto=webp&s=9029b14a80aa0548ce8137b04d3a4a70dc93092a ------------------ MyCashery MyCashery is a mobile “reward / earning” app that lets users earn small amounts of money or gift-cards by completing tasks, playing games, filling out surveys, scanning receipts, or doing offers. In effect it is a “get paid for micro-tasks” platform. The app is published by ayeT-Studios, and it supports reward payouts via methods such as PayPal, bank / wire transfer, or gift cards (depending on region). To begin using MyCashery, you'll need to install the app from your device’s app store (e.g. Google Play Store on Android or the Apple App Store for iOS). To cash out, once you reach the minimum threshold (USD $5) depending on your region, choose your preferred payout method, enter necessary credentials, and submit the request. Link: Sign up in myCashery App https://preview.redd.it/i7g9d1envpcg1.png?width=470&format=png&auto=webp&s=5885bcc299ba39f6d569c0638311afde8b18eecf ------------------ Hich App Hich App takes a slightly different approach and is perfect for those who enjoy a variety of casual games and interactive content. Instead of being tied to a single activity, you can try out new games, test your reflexes, and even share content with friends, all while collecting rewards. The playful side of Hich App is that you never really know what kind of challenge you’ll find next—one day it might be a puzzle, another day a mini-game that tests your memory or speed. It feels more like hopping from one fun distraction to the next, with the added bonus of a little cash incentive. Link: Sign up in Hich App https://preview.redd.it/pcycf33awpcg1.png?width=403&format=png&auto=webp&s=0b9e598d6664342e36bff032bc7e9c3e8b4f225a ------------------ Swash App Swash App is a platform that allows users to monetize their online behavior by sharing data. Instead of giving away your browsing data for free, Swash aims to reward you for being online. As described on its website, the model revolves around a kind of “universal data income”: users who install the Swash browser extension or app earn points (or tokens) based on their activity. There are multiple ways to make money on Swash, including Passive Browsing - By simply browsing the web while the Swash extension is active, your data is collected and converted into value; Swash Ads - You can choose to be paid for viewing advertisements; Tasks and Offers - an “Earn” section where you can complete tasks or offers. These might include surveys, sign-ups, or other partner-based tasks. Link: Swash App - Build Passive Income https://preview.redd.it/zemgm7howpcg1.png?width=344&format=png&auto=webp&s=488990f4860fafee5529d7d2c79f38a327ee470c submitted by /u/sistyko to r/HowEarnMoneyOnline [link] [comments]

Making money with your phone has become a practical and increasingly popular way to supplement your income. Many people now use small pockets of downtime each day to complete simple activities directly from their smartphones and turn them into real rewards. This growing trend has reshaped the idea of side hustles, making earning opportunities more flexible, more accessible, and far easier to integrate into everyday life. What sets these mobile earning methods apart is their convenience. You don’t need specialized knowledge, long-term commitments, or financial investment to get started. Instead, you can choose from a variety of earning models that suit your habits: completing quick tasks, interacting with content, sharing your opinion, or taking advantage of reward-based programs. Each option allows you to earn at your own pace, whether you’re waiting in line, commuting, or simply relaxing at home. Clickworker Clickworker is a platform entirely focused on microtasks. It offers a wide range of small, quick-paying online jobs such as text creation, categorization, data tagging, surveys, app testing, and more. After signing up and download the App, users complete short assessments that unlock higher-paying tasks. The platform uses an efficient system that allows workers to complete multiple small assignments in a short time, making it ideal for people who prefer flexibility and a task-oriented workflow. Payments are made via PayPal or bank transfer, and the variety of tasks keeps the experience dynamic and engaging. Link: Become a Clickworker https://preview.redd.it/rsoyp1e2nt4g1.jpg?width=300&format=pjpg&auto=webp&s=6569f5c985180973bdc4b6a86ab4818d03a6c5ef ------------------ HeyCash HeyCash makes earning lighthearted by combining small, easy tasks with the thrill of winning rewards. The app is built around quick interactions, like answering simple questions, checking out new content, or completing tiny challenges. What makes it funny is that it feels almost like a casual pastime—something you can do while waiting for the bus or sipping coffee. Instead of being stuck in dull, repetitive surveys, Hey Cash spices things up with varied activities that keep things fresh and amusing. Link: Sign up in HeyCash https://preview.redd.it/hfbfqi1lnt4g1.png?width=280&format=png&auto=webp&s=f9e628b95cbf8517ebb4015151998c3b0cbd95ce ------------------ Top Surveys Top Surveys focuses exclusively on giving users access to a wide selection of paid questionnaires. It acts as an aggregator of survey providers, meaning you can access multiple survey sources from one place, which increases your chances of finding daily tasks to complete. Many of the surveys on Top Surveys tend to pay higher than average, especially for more detailed or specialized topics. Rewards are typically paid through PayPal or digital vouchers, giving you flexibility in how you use your earnings. The app is perfect for users who want a straightforward experience without distractions — just surveys and reliable payouts. Link: Sign up in TopSurveys https://preview.redd.it/takl3ogsnt4g1.png?width=244&format=png&auto=webp&s=8d272f3c0ac9c84ce90789376f87284e1456e66b ------------------ Swagbucks Swagbucks is perhaps the most well-known GPT site in the world, with millions of users and a reputation for reliability and variety. It offers numerous earning opportunities such as surveys, web searches, watching videos, online shopping, and completing offers. Users earn "SB" points that can be exchanged for gift cards or PayPal cash. Swagbucks often features promotions and cashback deals through its shopping portal, which adds extra value for regular users. The minimum amount to withdraw is $5, but gift cards are often available at discounted rates, providing even better returns on your points. Link: Sign up in Swagbucks https://preview.redd.it/wgu361d0ot4g1.png?width=438&format=png&auto=webp&s=ad81ce04b845e685346909d539fb82da4fcbd77d ------------------ PaidViewPoint PaidViewPoint has built a strong reputation as one of the most reliable survey platforms available today. What makes it stand out is its no-disqualification policy — once you start a survey, you’ll always be able to finish it and get paid, unlike many other apps where users often get screened out midway. Surveys on PaidViewPoint are generally short and designed to be user-friendly, so you won’t have to spend endless amounts of time answering repetitive questions. Payments are processed through PayPal or gift cards, and the platform has global availability, making it a favorite among international users. Link: Sign up in PaidViewPoint https://preview.redd.it/y6afk407ot4g1.png?width=220&format=png&auto=webp&s=6867b26c5de8c17d94f88c83c32ce449e573c243 ------------------ Pawns app Pawns.app (Formerly IpRoyal Pawns) is a browser-based app that allows you to earn money by sharing your internet bandwidth. It works by allowing other users to use your internet connection to perform tasks such as web scraping, content delivery, and market research. In return, you receive payment for the data you provide. Pawns.app is available for Windows, macOS, and Linux devices. Link: Sign up in Pawns.app https://preview.redd.it/j5dmvz7sot4g1.png?width=357&format=png&auto=webp&s=7f18957b437f779d2ccc4ef5b8d19b5593b60636 ------------------ MultiPolls MultiPolls is designed for people who prefer quick and flexible ways to earn. Instead of focusing only on long questionnaires, the app includes short polls, daily quizzes, and micro-surveys that usually take just a few minutes to complete. This makes it easy to fit survey-taking into small breaks throughout your day. Users can redeem their accumulated points for cash or vouchers once they reach the withdrawal threshold. The app also provides a steady flow of surveys each day, ensuring there’s always something available to answer, whether you want to spend just five minutes or an hour earning. Link: Sign up in MultiPolls https://preview.redd.it/qhzfmwzxot4g1.png?width=257&format=png&auto=webp&s=d482ce9890caa39ae1cda9af01653a82d0f8750b ------------------ WePointz WePointz is a mobile app that will reward you for playing mobile games and participating in the other earning opportunities it offers. The app is relatively easy to use, so you will not have a hard time getting used to how it works. To register, you just have to download and install the app (Available only for Android). Then you have to use your Google account to sign in. You will earn points for playing games, completing tasks and answering surveys. You can use them to redeem various rewards. The rewards you ca redeem will depend on your country, but the most common option will be PayPal. You can convert your points to cash via PayPal once you’ve earned at least 20,000 points. That will be equivalent to a $2 PayPal withdrawal. Link: Download WePointz App (if you enter the code WUVT67 you’ll get a 1.000 points free Bonus) https://preview.redd.it/r09yw7b6pt4g1.png?width=312&format=png&auto=webp&s=c326fc04615b9407f568fa6d374315b14df5cf7f ------------------ Givvy Videos Givvy Videos makes earning feel more like a binge-watching session than a job. The app pays you for watching short videos, ranging from funny skits and trending clips to entertaining content that you might end up watching even without the promise of cash. The fun part is that you can just relax, laugh at a few videos, and see your balance grow at the same time. It’s like turning your guilty pleasure of endlessly scrolling into something that actually pays. Link: Sign up in Givvy Videos App https://preview.redd.it/d2mutlyppt4g1.jpg?width=360&format=pjpg&auto=webp&s=1c73417bb317d499ba15cceb534638e9580429be ------------------ Freecash This app takes a more direct approach. Try out new games, complete specific in-game tasks, and watch videos to earn real cash that can be deposited straight to your PayPal account. Freecash is an easy-to-use game rewards app that lets you play games, win prizes, and earn rewards like gift cards, crypto, and more. Play casual games you love, take surveys, make money, and earn cash rewards all in one app with Freecash. With Freecash you can make money by earning Bitcoin, Amazon gift cards, and more just by completing surveys or playing your favorite casual games. Link: Sign up in Freecash https://preview.redd.it/zedqg2e3qt4g1.png?width=400&format=png&auto=webp&s=78e7bbf2bc0ccd58b0e8865a71dcc2765e1c79a4 submitted by /u/sistyko to r/HowEarnMoneyOnline [link] [comments]

Teaching kids about money is really important these days, especially with all the digital tools available. Parents often find themselves choosing between debit cards and kid-friendly banking apps like Trovee. The Trovee App helps make learning about money fun by allowing kids to track their balances and learn smart spending habits under parental supervision. While debit cards offer a real-world way to manage finances, they can be complex and may involve fees. On the other hand, practice apps have engaging features like savings challenges, educational content, and customizable controls that enhance a child's financial education more effectively. Table of Contents Why Financial Lessons Matter for Kids Explore the Trovee App for Money Learning Benefits of Using Banking Apps for Kids Key Features of Kid-Friendly Banking Apps Best Apps and Debit Cards for Kids What to Consider When Choosing Tools Comparing Debit Cards and Practice Apps The Role of Trovee App in Financial Education Making Informed Choices for Kids' Money Management Frequently Asked Questions 1. Why Financial Lessons Matter for Kids Teaching kids about money is not just about dollars and cents; it lays the groundwork for their future independence. Money skills help children learn how to save for things they want, fostering a sense of achievement when they reach their goals. Understanding money is crucial for making informed choices, like deciding whether to save for a new toy or spend it right away. Debit Cards vs. Practice Apps: How to Choose for Kids’ Money Lessons Budgeting lessons are invaluable as they teach kids to prioritize their spending. They learn that not all wants can be fulfilled immediately, an essential lesson in financial responsibility. Additionally, financial literacy can significantly reduce the risk of falling into debt in adulthood, a common pitfall for many. In today’s complex financial landscape, where digital currencies and various payment apps are common, it becomes even more important for kids to have early education in finance. This knowledge forms a strong foundation for lifelong money management skills. Moreover, understanding money management enhances critical thinking skills. Kids can see the consequences of their spending and saving choices through real experiences, making lessons stick. These financial lessons also strengthen parent-child communication, providing opportunities for meaningful discussions about money, values, and choices. Money skills are essential for independence in adulthood. Children learn to set goals by saving for things they want. Understanding money helps kids make informed choices. Learning about budgeting teaches kids to prioritize spending. Financial literacy reduces the risk of future debt issues. Kids today face a complex financial landscape with digital currencies and apps. Early education in finance builds a foundation for lifelong skills. Understanding money management can enhance critical thinking skills. Kids learn consequences of spending and saving through real experiences. Financial lessons can strengthen parent-child communication. 2. Explore the Trovee App for Money Learning The Trovee App stands out as a remarkable tool for teaching kids about money management. With its user-friendly interface designed specifically for children, it makes tracking spending and savings engaging and straightforward. The app incorporates colorful graphics that capture kids' attention, ensuring they remain interested in learning about finances. Parents benefit too, as they receive regular updates on their child's progress and activities, allowing for informed discussions about money. One of the key features of Trovee is its fun challenges that motivate kids to save, encouraging them to set financial goals within the app. This not only promotes responsibility but also gives children a sense of ownership over their financial journey. Trovee provides useful tips and tricks for better money management, making the learning experience comprehensive and interactive. Additionally, the community feature allows kids to share their achievements with peers, fostering a sense of camaraderie around financial learning. In-app rewards further incentivize smart financial decisions, reinforcing positive behaviors. By supporting learning through interactive experiences, Trovee helps children build essential money habits that will serve them well in the future. 3. Benefits of Using Banking Apps for Kids Banking apps for kids offer several advantages that can make learning about money both fun and effective. First, these apps create an interactive environment where children can engage with financial concepts through games and challenges. For instance, a savings challenge might encourage kids to reach a specific savings goal by a certain date, making the process feel like a game rather than a chore. Additionally, kids can practice managing their money in a safe space, where their transactions are monitored by parents. This real-world experience helps them understand the value of money, as they can see immediate results from their spending and saving decisions. For example, if a child saves up for a toy, they can directly connect their savings effort to the reward of purchasing it. Banking apps also simplify the tracking of allowances and expenses, making it easier for parents to guide their children’s financial habits. With features like automated allowances tied to chores, parents can teach responsibility while ensuring their kids learn the importance of earning money through work. Furthermore, the gamified elements of these apps keep children engaged for longer periods, enhancing their learning experience. Kids develop essential financial habits, such as budgeting and saving, which will serve them well into adulthood. As they meet their savings goals, they gain a sense of achievement, reinforcing positive financial behavior. Lastly, the digital nature of these apps resonates with tech-savvy kids, making financial education relatable. Many apps include educational resources tailored for younger users, like interactive tutorials and quizzes, which further enrich their understanding of money management. 4. Key Features of Kid-Friendly Banking Apps Kid-friendly banking apps come packed with features designed to make financial learning fun and effective for children. Customizable interfaces allow kids to personalize their experience, which can make them feel more connected to their financial journey. For instance, they might choose colors or themes that resonate with them, enhancing their engagement. Allowances can be automated, teaching kids the importance of consistent saving habits. Instead of waiting for weekly or monthly handouts, they can see their money grow regularly, fostering a proactive approach to finances. Spending trackers are another key feature, providing a visual representation of savings progress. Kids can easily understand where their money goes and how their savings accumulate, which can reinforce positive spending habits. Parental controls add an essential layer of safety, enabling parents to monitor and limit spending. This oversight ensures kids can enjoy financial independence while still having guidance. Educational content within these apps is crafted to be age-appropriate and engaging, often using interactive games and quizzes to solidify financial concepts. For example, a game that simulates saving for a specific goal can make the learning process enjoyable. Notifications remind kids about financial tasks or goals, such as saving for a toy or reviewing their budget. This feature helps instill a sense of responsibility. Some apps even teach kids about interest through savings features, showing them how their money can grow over time. Analytical tools often provide insights into smart spending, helping children understand their financial choices better. Additionally, support for multiple accounts can teach budgeting skills, allowing kids to allocate funds for spending, saving, and giving. This holistic approach prepares them for real-world financial management. 5. Best Apps and Debit Cards for Kids When it comes to teaching kids about money management, choosing the right tools can make a significant difference. BusyKid stands out by linking chores directly to earnings, allowing children to not only earn but also invest in stocks, which adds an exciting layer to financial education. Greenlight caters to older kids and teens, providing customizable card controls that empower them to manage their own spending while still under parental supervision. For families with multiple children, FamZoo simplifies the process by creating a family banking system that allows parents to manage each child's account effectively. The Trovee App focuses on personalized money management, helping kids develop practical skills while allowing parents to track their progress. GoHenry offers a prepaid debit card paired with financial education resources, making it a great choice for hands-on learning. Step is designed specifically for teens, emphasizing financial empowerment and independence. Current offers a no-fee debit card with built-in saving tools, making it accessible for families. Chime provides features that help kids learn about banking under parental oversight, while Revolut Junior introduces them to international transactions and currencies, broadening their financial perspective. Lastly, KiddieBank makes learning about budgeting and saving fun through engaging activities, ensuring that kids enjoy their financial lessons. App/Card Key Features Target Age Group Cost Structure Educational Resources BusyKid Connects chores with earnings, investment options 6-18 years Monthly subscription Chore tracking and investing education Greenlight Customizable card controls, parental oversight 8-18 years Monthly fee, choice of features Educational resources on budgeting and saving FamZoo Family banking system for multiple kids All ages (customizable) Monthly subscription, family plans Interactive financial lessons Trovee App Personalized money management, tracking savings 5-14 years Free with optional features Money management education and goal setting GoHenry Prepaid debit card, financial education resources 6-18 years Monthly fee Educational content focusing on spending and saving habits Step Focus on financial empowerment for teens 13-18 years No fees Basic financial principles and real-world applications Current No-fee debit card, savings tools 6-18 years No monthly fees Simplified financial learning Chime Banking tools for kids with parental controls All ages (with guidance) No fees Introduction to banking and saving habits Revolut Junior International transactions and currency experience 7-17 years Monthly fee with free version Understanding global finances KiddieBank Teaches budgeting through fun activities 5-14 years Free with limited features Engaging financial activities 6. What to Consider When Choosing Tools When choosing between debit cards and practice apps for your child's money lessons, there are several factors to keep in mind. First, assess the app's age suitability, ensuring its design and features align with your child's understanding of money. Next, consider the cost versus the features offered, as you want to ensure you are getting good value for your investment. Customization options are also important; look for tools that can grow with your child’s financial needs. Security should be a top priority, so choose apps that provide strong measures to protect your child’s financial information. Additionally, evaluate how user-friendly the app is for both kids and parents, as a complicated interface can hinder the learning process. Researching customer reviews can give you insight into other families’ experiences, helping you gauge user satisfaction. It's also beneficial to check if the app includes educational resources or tutorials, which can enhance your child's understanding of financial concepts. Look for apps that encourage family involvement, as this can foster discussions about money management. Lastly, consider how the app tracks and reports financial habits, as this can provide valuable insights into your child's spending behaviors. A reliable customer support system is also essential for any assistance you may need along the way. 7. Comparing Debit Cards and Practice Apps When deciding between debit cards and practice apps for kids, it's essential to weigh their distinct advantages. Debit cards provide a real-world spending experience, allowing children to learn how to manage money in real time. This experience can foster a sense of responsibility and independence, but it does come with potential fees and requires adult supervision to ensure safety. For instance, a child using a debit card can learn to budget their weekly allowance while making purchases at a store, giving them immediate feedback on their spending choices. On the other hand, practice apps focus more on education than direct spending. They create a safe environment where kids can make mistakes without financial repercussions, which is critical for learning. Many apps offer gamified experiences that make learning about money fun and engaging, such as savings challenges or interactive tutorials. For example, a child might complete tasks within the app to earn rewards, reinforcing positive financial habits. Both tools can complement each other effectively. While a debit card provides practical experience, a practice app can teach concepts like saving, budgeting, and understanding spending habits through analytics. Ultimately, the choice depends on the child's readiness and learning style. Some kids may thrive with the tangible experience of a debit card, while others might benefit more from the structured learning environment of a practice app. 8. The Role of Trovee App in Financial Education Trovee acts as a bridge between traditional money lessons and modern technology. It encourages kids to take ownership of their financial decisions, allowing them to learn by doing. With parental oversight integrated into the app, families can engage in collaborative learning, where parents guide their children while kids explore their financial choices. Educational features within Trovee simplify complex concepts, making it easier for children to grasp important money management skills. The app adapts to different learning speeds and styles, ensuring that every child can progress at their own pace. Trovee emphasizes practical experience over theoretical knowledge, giving kids the chance to apply what they learn in real-time. They receive instant feedback on their financial choices, which helps reinforce good habits. The community support within the app can also motivate kids, as they can share goals and achievements with peers. Moreover, Trovee promotes discussions about money management within families, creating an environment where children can feel comfortable asking questions and expressing their thoughts. The real-time tracking feature helps kids see the immediate effects of their actions, making the learning process engaging and relevant. 9. Making Informed Choices for Kids' Money Management When choosing tools for kids' money management, it's important for parents to first assess their child's maturity level. Some kids may be ready for a debit card, while others might benefit more from a practice app. Understanding the features of each app or card can help match them to your child's specific needs. Starting with practice apps can be a good idea; they often provide a more interactive experience that encourages learning without the pressure of real money. Look for tools that promote conversations about money management; these discussions can reinforce lessons and help kids grasp the concepts better. Evaluate how each option fits into your daily routines. For example, if you have a system for chores and allowances, an app that automates these tasks could streamline your process. Teaching kids to set realistic financial goals using these tools can also foster independence. Encouraging them to share their financial experiences helps them learn from both successes and missteps. Regularly reviewing your child's progress together can reinforce their learning and keep them motivated. Remember, as your child's understanding of money grows, be open to changing tools to better suit their evolving needs. Supporting them in their unique financial journey is key to building their confidence and skills in managing money. Frequently Asked Questions What are the main differences between debit cards and practice apps for teaching kids about money? Debit cards are actual cards linked to a bank account, allowing kids to spend real money. Practice apps, on the other hand, simulate spending and saving, helping kids learn without using real cash. How can I decide which option is better for my child? Think about your child’s age and understanding of money. If they are younger, practice apps might be more suitable. For older kids ready to handle real transactions, a debit card could be beneficial. Are there any safety concerns with using debit cards for kids? Yes, there are some risks. Debit cards could lead to overspending or unauthorized use. It's important to set limits and monitor your child's spending to keep finances safe. Can practice apps really help kids learn about money management? Absolutely! Practice apps often include games and activities that teach budgeting, saving, and spending wisely. They make learning about money fun and interactive. What features should I look for in a good practice app? A good practice app should have interactive lessons, tracking tools to see savings growth, and maybe even rewards for achieving goals. Engaging elements keep kids interested in learning. TL;DR Teaching kids about money is essential in the digital age, where traditional methods fall short. Apps like Trovee offer engaging ways for kids to learn money management through tracking, budgeting, and parental oversight. Kid-friendly banking apps provide real-world experiences and gamified learning, while debit cards offer tangible lessons but may involve fees and adult supervision. When choosing, consider age-appropriateness, costs, customization, and security. Ultimately, practice apps are recommended for a comprehensive financial education that encourages vital discussions between parents and children. submitted by /u/bigpromoter to r/SmartKidsMoneyHabits [link] [comments]

Every concert in India has one common frustrating issue, buying food, drinks, merchandise inside the venue. I've attended more than 80+ concerts my whole life so this idea really comes from that world. Here’s what usually happens:- You need to carry a lot of cash or a debit/credit card (I’ve even seen people top up ₹20k in cash) First, you find a top-up counter and wait in a long queue. Then you load money onto your wristband using cash or card. To buy food, drinks, etc. you stand in another queue with no idea about menus in advance. If your balance runs out, you repeat the whole process. If you have leftover money, refunds are unreliable. Organizers had promised refunds at Lollapalooza if you topped up your bands in advance, but I know people never got theirs back. This wastes time, energy, and often makes you miss parts of the performance you paid to enjoy. BMS recently introduced a system to upload funds in the wristband before coming to the venue so that you get your refunds, but that is different and has an activation fee for every event and most of the time have a minimum balance or like i said before, i know people who didn't get their refunds yet from last year's lolla. My idea here was a universal NFC card synced with a mobile app. This idea came from how timezone works (the arcade section in malls). Here's how it would work You register on the app and get your personalized card delivered at home. Pay a small activation fee and once activated, you start using it and carry only this card to every concert. Before the concert, you load money into your NFC card using the app. At the venue, you just tap your card at any stall to pay instantly. If you have any balance leftover or don’t spend it all, the balance carries forward to the next concert where we are partnered. Balance can be checked anytime through kiosks present at the venue or the app. This removes queues, avoids cash issues, fixes refunds, and makes the process smooth for everyone Extra Features I’ve added are Concert Stats: Track concerts you’ve attended, money spent and earn fun rewards and badges as you spend. Rewards: Get perks or VIP upgrades for spending at concerts. Artist Specific Gift Cards: Buy and send special lyric based digital gift cards that can be redeemed for tickets, merch, food, drinks inside the venue or with partner brands. Menus & Merchandise pre orders: See menus inside the app before arriving at the venue, discover new brands at the venue and pre order merch through the app to skip queues. Why This Helps Organizers & Vendors. People spend more when they know money won’t be wasted. No top-up counters needed, saving time and cost. Vendors can promote offers inside the app. Users return since their balance carries forward. Newer brands setting up their stalls at the venue get to advertise themselves in the app. The Vision: Just like BMS & District owns ticketing, this can own the concert experience inside the venue. Payments, perks, rewards and even gifting, all in one place. It won’t be easy to get organizers on board, but I believe this solves a very real problem and can improve concerts in India for both fans and organizers. I’ve already built a Figma prototype with app screens and the NFC card design. Have showed it to multiple users and have taken rounds of feedback to improve the UI/UX of the app. Would love your honest feedback on would you actually use this? Do you think organizers would adopt it? Also, I would be grateful if anyone here has any contacts to get me in touch with anyone from the top level management from bms or district to discuss the prototype with and possibly get this out there. submitted by /u/Conscious_Grade2912 to r/ConcertsIndia_ [link] [comments]

Every concert in India has one common frustrating issue, buying food, drinks, merchandise inside the venue. I've attended more than 80+ concerts my whole life so this idea really comes from that world. Here’s what usually happens:- You need to carry a lot of cash or a debit/credit card (I’ve even seen people top up ₹20k in cash) First, you find a top-up counter and wait in a long queue. Then you load money onto your wristband using cash or card. To buy food, drinks, etc. you stand in another queue with no idea about menus in advance. If your balance runs out, you repeat the whole process. If you have leftover money, refunds are unreliable. Organizers had promised refunds at Lollapalooza if you topped up your bands in advance, but I know people never got theirs back. This wastes time, energy, and often makes you miss parts of the performance you paid to enjoy. BMS recently introduced a system to upload funds in the wristband before coming to the venue so that you get your refunds, but that is different and has an activation fee for every event and most of the time have a minimum balance or like i said before, i know people who didn't get their refunds yet from last year's lolla. My idea here was a universal NFC card synced with a mobile app. This idea came from how timezone works (the arcade section in malls). Here's how it would work You register on the app and get your personalized card delivered at home. Pay a small activation fee and once activated, you start using it and carry only this card to every concert. Before the concert, you load money into your NFC card using the app. At the venue, you just tap your card at any stall to pay instantly. If you have any balance leftover or don’t spend it all, the balance carries forward to the next concert where we are partnered. Balance can be checked anytime through kiosks present at the venue or the app. This removes queues, avoids cash issues, fixes refunds, and makes the process smooth for everyone Extra Features I’ve added are Concert Stats: Track concerts you’ve attended, money spent and earn fun rewards and badges as you spend. Rewards: Get perks or VIP upgrades for spending at concerts. Artist Specific Gift Cards: Buy and send special lyric based digital gift cards that can be redeemed for tickets, merch, food, drinks inside the venue or with partner brands. Menus & Merchandise pre orders: See menus inside the app before arriving at the venue, discover new brands at the venue and pre order merch through the app to skip queues. Why This Helps Organizers & Vendors. People spend more when they know money won’t be wasted. No top-up counters needed, saving time and cost. Vendors can promote offers inside the app. Users return since their balance carries forward. Newer brands setting up their stalls at the venue get to advertise themselves in the app. The Vision: Just like BMS & District owns ticketing, this can own the concert experience inside the venue. Payments, perks, rewards and even gifting, all in one place. It won’t be easy to get organizers on board, but I believe this solves a very real problem and can improve concerts in India for both fans and organizers. I’ve already built a Figma prototype with app screens and the NFC card design. Have showed it to multiple users and have taken rounds of feedback to improve the UI/UX of the app. Would love your honest feedback on would you actually use this? Do you think organizers would adopt it? Also, I would be grateful if anyone here has any contacts to get me in touch with anyone from the top level management from bms or district to discuss the prototype with and possibly get this out there. submitted by /u/Conscious_Grade2912 to r/indianstartups [link] [comments]

Background Like a lot of you, I've always loved Apple Card's clean UI and wished I could track all my finances with that same intuitive interface. The problem? Life doesn't happen exclusively on Apple Card – we've got other cards with better rewards, Venmo transfers, cash transactions, you name it. So I built Poketto, an iOS app that brings that Apple Card aesthetic to all your financial tracking. This started as a side project that my friends and I have been using for the past two years, and I finally decided to polish it up and release it on the App Store. Features It's 100% native iOS Built from the ground up for iPhone using SwiftUI and Core Data with all the smooth animations and gestures you'd expect. And of course it supports iCloud syncing across multiple devices. Your data stays yours Everything is stored locally on your device or in your personal iCloud account. No third-party servers involved without your explicit permission (for example, sending your receipt photo to OpenAI to turn them into transactions.) Very simple to use Think of it like virtual bank accounts. Log expenses (withdrawals) and income (deposits). No overcomplicated jargons to understand. Multi-currency support Exchange rates update hourly, so you can track transactions in different currencies and see everything in your preferred currency. You can even group transactions across multiple currencies into one “compound transaction.” AI Transaction Logging After adding your OpenAI API key, you can log transactions by snapping receipt photos or describing purchases in natural language, such as "coffee at Starbucks $4.50.” Even more AI features and LLM provider support are in the works, including Apple’s on-device foundation models arriving with iOS 26. Pricing Poketto is free to use, but requires Poketto Pass to unlock all features. You can get Poketto Pass through either a one-time purchase of $19.99 (free for a limited time until Aug 17), or subscription for $0.99/month or $9.99/year. Link Download on the App Store I hope you find Poketto useful! I am both the developer AND a heavy user of this app. That means I'm constantly finding ways to make it better based on real daily usage, not just theoretical features. Feel free to email me with any feedback/ideas at [[email protected]](mailto:[email protected]), or join our Telegram group. ;) submitted by /u/iCruiser7 to r/iosapps [link] [comments]

If any of the above describe an issue you're dealing with this will prove educational and worth reading.. Over the last week and a half I have had multiple issues with crimson, each one proving more and more how horribly this banking collaboration was structured put together and coded.. just about every one of the scenarios should have easily been pre thought and worked out in the design to be prevented from becoming an issue not to mention if any of this platform was tested even the littlest bit these issues would have arose and been solved and properly coated to prevent what is now causing widespread aggravation, grief, and I'm sure late fees for all sorts of things ranging from Rent, car payments and who knows what else. 1st issue: I ran into my first issue after making what crimson deemed as too many transactions within a 24-hour period! Mind you this is a bank card given to Dashers who are constantly on the road constantly getting gas constantly eating and snacking and getting food and beverage from wherever they can because they're on the road their entire . why limitations would be put on a card that's being used so often is absolutely absurd.. it was not easy to get the information to find out exactly what was going on and determine this was the issue as Crimson support for doordash follows computer prompts and answers basic questions in the computer tells them what to say or do if you get past them because they can't solve your problem you get transferred to a fraud type division that can only unlock your card if it was locked due to possible fraud or suspicious activity they can't even issue you a new card all they do is confirm that the fraud was not going on and unlock your card. When too many transactions have occurred within a 24-hour period nobody can help you neither division they both say that the other division can and you get transferred and then they'll say that that's not them they are limited with what they have access in the ability to do. You'll find that both divisions say the same thing and transfer you back and forth dog chasing his tail. So I was told that I had to wait until midnight in my card would then be unlocked due to the too many transactions lock. Nobody can reverse this it has to be a time released unlock trust me I tried. They basically told me I had to sit in my car and wait until midnight in order to use my card to get gas and there was no other way I could get my money transferred off that card nothing I could do.! As this was not an option for me I thought outside the box and there was one last ditch effort whether or not these parameters that were coded and structured Within this poor design were attached to my account as a whole or to the card in the card number, luckily it was only the card I found this out by going in the app and Reporting my card damaged having a new ecard issued to me and then attempting transactions which were successful. This solution you'll find in the next few issues I had came in handy as well to an extent. The second issue I had was a few days later this ecard that was issued to me two days before the end of the month had hit its expiration date as whoever wants again designed and structured this platform did not think far enough ahead to date the temporary e-card more than 30 days out so if it was issued the day before the end of the month the next day it would expire no longer being able to be linked to cash app or whatever other service you happen to use as they see it as expired. I have yet to be refunded my $5 for having to replace the card once again due to this issue which was no fault of my own you'll find that you likely will not get refunded more than once for any time that you do this no matter what the situation. So once again I reported damaged because I got nowhere with support either division still pointing fingers at each other.. And then we're waiting for that card to come in I tried to get cash back at the grocery store and it was declined so I tried it a different way thinking maybe I put the wrong PIN in or something still declined so I went to Walgreens which it states will give cash back from crimson using your virtual card also declined I didn't have time to deal with this I was in the middle of working so I continued dashing needed gas a little bit later stopped at the pump tried my tap to pay declined went inside declined annoyingly I locked the card again due to too many consecutive declines also a up to 24 hour lock told me to try it at midnight blah blah blah blah same situation. Except this time upon picking brains and trying to find a workaround with support which again was on the successful I did gather the information that there is a glitch in the system that this is not supposed to be happening and it is a huge problem which I think we're not supposed to know about that in this problem is affecting a lot of Dashers we cannot access our cash. Some of you may be able to still link your virtual card to cash app for me because I had done it a few times cash app says I can no longer add new cards to my account I have added too many cards under that same account number and there is no work around for that either so now I cannot only not get cash back at a store have no physical card for an ATM the cardless ATMs do not work and my cash app locked out any new cards I get issued meanwhile I'm an incurring additional fees from my rent being past due and so on and so forth this is not to mention the easy 20 to 30 hours if not more I have invested over the phone let alone the gas traveling to these ATMs that don't work that are nowhere near where I live and so on and so forth mark my words I will be seeking my losses financially and the amount of time I spent that I'll never get back a chunk of my life gone not a small chunk a pretty significant chunk that I could have done a lot with other than having to figure out how doordash's systems work so that I can access the money that was already paid to me that I had already earned. I'm still not sure exactly how I'm going to resolve the situation short of borrowing from somebody until I my physical card comes in the mail.. but for those of you and similar situations hopefully you work around can help you prior to you being completely out of options as I am now. My last ditch effort with my fingers crossed is to use the cordless ATM / ticket redemption unit at the local casino as I have multiple times in the past made cardless transactions to purchase a ticket preloaded with money that you put in the slot machine to play with that same ticket that you stick in the machine to redeem your money so the idea is I purchased the ticket I turn around I stick in the machine and redeem it it spits out cash fingers crossed!! Huge key piece of information for those of you who have used your card at the pump and due to their so-called glitch had money withheld for any period of time, this may or may not be violating some financial regulations as credit cards are not supposed to have holds. This is an issue that again was accidentally disclosed to me that is being worked on by their technical team and I believe it has been resolved but what I did get out of this situation is the exact process in which this goes down when a hold is put on your card the hole does not put on your card in the money is not held by the gas station it is actually held by doordash as the pre-authorization so when you scan your whatever at the pump the pump will go and ask doordash crimson how much money is available for this transaction doordash Crimson then responds to the pump authorizing set amount available on the account in the second that that pump handles put back the transaction is concluded and closed out with that pump notifying doordash exactly how much was spent within the parameters of what doordash Crimson authorized the transaction is then closed. Problem is doordash is holding on to additional funds after that transaction is closed withholding funds after a transaction is closed, I'm not a financial anything don't know the laws or rules but I'm fairly certain that this is violating regulations if not laws as that is not their money to hold in their accounts or anywhere especially for any period of time that it could be incurring interest elsewhere hint hints?? Think about how many Dashers how much money and then at what interest rate for 24 hours 48 hours on the weekend maybe quite the chunk of change.. just saying?? You decide or perhaps we all should find out together?.. submitted by /u/SayNo2Stupidity to r/DoorDashDrivers [link] [comments]

Hey everyone! I’ve been collecting Pokémon cards since the early 2000s, back when getting a holo Charizard in a booster felt like winning the lottery (still kinda does, tbh). I’m also a product designer by day, and lately I’ve been toying with an idea that combines both worlds: an app to track your card collection, but one that actually feels good to use. Not a spreadsheet. Not a clunky old checklist. Something clean, visual, and made for the people who love this hobby as much as I do. I’m imagining something where you can browse by expansion, favorite artists, track your set completion, log how many packs you've opened, maybe even keep tabs on how much you've spent (or how much your collection’s worth, if I manage to access the right APIs). Before I get too deep into it, though, I wanted to ask: if you collect, what would you want out of something like this? What frustrates you with the tools that are out there now? Is there anything you wish existed but hasn’t yet? This is just a side project for now, but I’d love to shape it around what the community actually wants—not just what I think would be cool. This is just a personal project right now, not some corporate cash grab. I just love this hobby and wanna make something cool for people like us. If there’s interest, I’m happy to share mockups or ideas down the line too. Appreciate any thoughts, roasts, or nostalgic binder stories. Thanks for reading! Now excuse me while I reorganize my art rares for the fifth time today. 😅✨ [Edit] Just wanted to add something real quick The reason I’m asking for feedback is because I genuinely want to build something for this community. Not just another app that ticks boxes, but something that actually reflects what collectors want, what gets them excited, and what has been missing from the experience That is why it really helps when people share what they like or do not like, what features they have been dreaming about, or even the ones that made them rage quit another app. Just dropping the name of an existing tool does not tell me much. I want to hear your experience. What do you wish existed? What has made collecting easier or harder? submitted by /u/arctic-tama to r/PokemonTCG [link] [comments]

Hello! Pretty much as the title states: Just got my platinum card (received on Friday, activated yesterday) but in the app I only ever see offers for cash back and have absolutely no offers for MR points. Actually, last night when I was booking my hotel through Amex travel for the hotel credit I got an error message before submitting my payment that said there’s an error with the MR system and that I should finish the booking and call (they provided a number on the screen) and I would receive MR points within 48 hours (I’ll add a screenshot of it to this post), so idk if there’s something wrong with my account or something? The only other Amex cards I have in addition to my recently acquired Amex Platinum (personal card) are the Blue Business Plus and the Blue Business Cash. Any ideas on what could be going on? Is there something special I need to do to see MR offers in the app? Or is it normal and MR offers will just take time to show up in the app or something? Added pics of the Error message and of the cash only offers I’m seeing in the app, as well as the cash only offers that I added to my platinum card (yes, I’m sure that these offers were added to the platinum card and NOT the BBP or BBC, that’s why I included the pics). submitted by /u/hlj9 to r/amex [link] [comments]

AMEX Centurion. You did it. You reached the top of the mountain. How does it feel? Was it worth it? You’ve spent millions of dollars each year — enough to support hundreds of impoverished families — to qualify for the privilege of a massive buy-in and annual fee. You could have saved a rainforest, but you didn’t. This card is an awful earner for your millions in spend, but it doesn’t matter. The satisfaction you feel when you tap that black card for a $7 coffee makes quartering your point earn worthwhile. In practice, your Centurion rep is not as talented as your other two corporate assistants. Platinum. You spend whole days each year trying to “break even” on a $700 card. You probably earn 1x on almost all spending you put on the card. You lie to yourself, claiming that you use Equinox and Walmart+. You probably tell everyone that this is “the most premium card you can apply for,” when really it’s just a huge profit driver for AMEX. You self-justify during the two annual occasions in which you use an overcrowded Centurion Lounge, and purposely book red eyes to avoid the lines. You don’t even get primary auto rental insurance. Schwab Platinum. Same as above, but you decided to save $200 per year by moving no less than $1.5M into Schwab managed accounts. You tell literally everyone about the 1.1 cpp cashout, even though cashback individuals would almost certainly be better off with other setups. You probably forewent ~70k MR SUB points in order to get the Schwab variant over the vanilla variant. Morgan Stanley Platinum. Same as above, but you use a brokerage that no one has in their top three. At least you get the first authorized user for free, allowing you to wait in line with family members at Centurion lounges while talking to them about your five-year credit card plan. You probably forewent ~70k MR SUB points in order to get the Morgan Stanley variant over the vanilla variant. Gold. You agonize over the monthly restaurant credits. You’re constantly trying to remember whether you’ve already used Grubhub this month. For some reason, you call AMEX customer support more than Platinum and Centurion customers. You tell literally everybody about your Gold card, but people just respond by asking whether you’re active duty military or native american. You’re probably just a metrosexual. Green. You meant to get a Chase Sapphire Reserve, but you got denied. You’ve never impressed anyone with this card, and you never discuss it. Friends ask, “what happened to your Gold card?” You decided to acquire this card to try Clear, but realized the service usually takes just as much time as going through the precheck line at most airports. Blue Business Plus. You watched 40 credit card Youtubers tell you that it’s alright to put personal spend on a business card. You’re pretty sure that you can, but constantly worry about your next IRS audit. They probably won’t care, right? Right? At least you earn 2x MR points on everything you buy, which is pretty good! Hopefully, other white collar inmates will think you’re cool. Blue Cash Preferred. You probably have a Chase trifecta but agonized over grocery spend. Welcome to AMEX. The Disney bundle is your first coupon to clip — hope you prefer Captain Marvel over literally every other streaming service. You constantly check whether you are close to hitting your $6000 spending cap for the year, and wonder whether it makes sense to get another grocery card. Your 6% streaming category probably nets you around $6 per year. You use the 3% gas category, even though you can definitely do better. Blue Cash Everyday. You probably have 10 credit cards. You signed up for this one despite mid-tier gas and grocery rewards, because the effective annual fee was negative. Enjoy Hulu and Home Chef. Although folks frequently discuss the 3% online retail category, you’re probably better off with a flat 2x card like the Blue Business Plus or Venture X. Everyday Preferred. Not bad for people who use grocery stores thirty times per month, in order to reach the adequate earn rates. What? You only go to the grocery store 8 times per month? No worries! Check out each item individually! If you make it past the fraud alerts and account closures, you’re set! You are also hopelessly single. Sorry, folks with the Chase trifecta — look elsewhere. BANK OF AMERICA Customized Cash Rewards. Your favorite pasttime is inventing protracted scenarios to show why your setup is marginally better than someone else's. But you only get to make such a claim for the singular 3% category you can choose, for which you'd earn 5.25% with Platinum Honors. Except people with a Custom Cash and a Rewards+ are laughing you out the building at 5.55%, so what are we even doing here? Let's also remember that a 3-4x MR/UR card might effectively out-earn both. You either need like 3 of these for this to be worthwhile or else the reward for parking you money at no one's favorite bank is a wannabe Custom Cash and underwhelming 3.5% on grocery cards. Pretty good 3.5% on wholesale clubs, though. But go ahead — tell me how much you love Bank of America, a bank that's been contracting since 2008. Unlimited Cash Rewards. We get it, you earn 2.625% on all spending. It's a pretty good cashback rate. But folks on team travel will tell you that, with a 2x catch-all card, they need a 1.31+ cpp redemption. That's not a tough sell. By the way, I'd say you aren't fun at parties but if you have this card, then you don't go to parties at all. Theres a 90% chance you eventually move your money and switch to a U.S. Bank Altitude Reserve. Note: Bank of America has three equally underwhelming travel cards. If you have these cards, then (1) your dad added you as an authorized user, (2) you're already collecting from social security, or (3) your trust fund happens to be through Merrill Lynch. CAPITAL ONE Quicksilver. This card is probably named for the Marvel superhero "Quicksilver" to commemorate how short this card falls once visible on-screen. Be honest. You hate this card too, but it was your first. You got 14 mailers for the Quicksilver before relenting, because they knew you were too soft too resist. There is no reason to have or use this card, but that doesn't stop Capital One from marketing this as a premium card for people who wear designer clothing; unfortunately, the only premiums here are those that Capital One earns through interest on its subprime creditholders. Savor. By itself, your card earns mid-tier rewards on grocery and dining. And, while you got it for the 10% Uber benefit, you've come to realize that this benefit was painfully temporary, ike all joy in this world. As a coping mechanism, you recommend this card to literally everyone, regardless of circumstance or usefulness. This card, when paired with the Venture X, is pretty good at earning transferable points. It’s too bad that your transfer partners are primarily overseas airlines that your family would refuse to fly on. See Venture X. Venture. You got this card accidentally. You meant to get the Venture X. They won’t let you product change. You’re in limbo. Venture X. 40 credit card Youtubers recommended that you get this card. You tell literally everyone that this card has no flaws. But you’ve always considered putting travel spend on other cards with greater earn rates, giving up your travel insurance. You’ve probably never seen a C1 lounge, nor have you ever used a generic priority pass lounge. You’ve always hated travel portals, but you’ve started telling people they don’t rip you off “that much.” You are totally unfamiliar with most of the transfer partners. You had to google what kind of night show “Accor Live Limitless” was. You’ve never flown Air Canada, nor British Airways, but thought maybe you’d fly with them eventually. For every new loyalty program you join to transfer points, you will receive promotional emails in perpetuity. Perhaps you tell people that it’s super easy and convenient to book qualified United award flights through Turkish Airlines a year in advance, subject to blackout dates. News flash, 26-year old financial guru: it’s not. CHASE Freedom Rise. Your older brother suggested you use Chase because he has a checking account there. Congratulations, you just started and you’ve already committed to getting a Chase Trifecta. Don’t spend your $25 SUB all at once. Freedom. You either forget you owned this card, or you’re a credit card pro. As such, cardholders either purchase $0 or $1500 per quarter — no in between. You value your Costco membership above having a strictly better Flex card introduced by Chase. One day, you will grow tired of fighting Chase to keep this card. Until then, enjoy your quarterly calls to customer service to explain why you do not want to product change. Oh, and cherish the three months a year where Chase doesn’t hang you out to dry for groceries. Freedom Flex. This card sits in the sock drawer for roughly half the year. For the remaining quarters, you manufacture spending and drain your checking account. This might be the closest thing to an in-person grocery card that Chase has. Hope you didn’t want to use this at Costco. Freedom Unlimited. You constantly try to cope with the fact that you earn 1.5x as a catch-all, instead of 2x with AMEX, Chase, or Citi. You have 32 paragraphs written out explaining why Hyatt justifies receiving 25% fewer points per dollar, compared to other issuers. You agonize about the 5/24 rule. AMEX friends describe your setup as “tacky,” or “cute.” Sapphire Preferred. You live in fear of Hyatt being discontinued as a Chase partner. You have no idea how to use the $50 portal credit without overpaying by a similar sum. You have Instacart+ and Pelotan credits but will never use either. You have excellent travel protection but frequently consider putting travel expenses on other cards with better earn rates. You literally cry when someone mentions "buying groceries in-person." You contemplate switching to the AMEX Gold a few times per year. Sapphire Reserve. You live in fear of Hyatt being discontinued as a Chase partner. You struggle to justify the $250 effective annual fee. You tell AMEX folks that, at least, you don’t have statement credits to work through. But you do — there’s Lyft Pink, DoorDash, Instacart+, and Peloton — but you aren’t aware that you need to use them. You’ve also never used a normal priority pass lounge — your main airports may not even have one. You wish you had an AMEX Platinum every time you pass a Centurion Lounge. But those Sapphire lounges have to be coming soon, right? J.P. Morgan Reserve. You could have had the substantively similar Sapphire Reserve, but you wanted to one-up your rich friends with the AMEX Centurion. Everyone mistakes this card for the Platinum, and will ask you how much you love the concierge. You won’t be rich for long. Ritz Carlton. has a a good option for credit card lifers who, oddly, stay at Marriott hotels like 4 times per year. Some credit card YouTuber told you to get this card. Thankfully, it was a good fit; you’re the kind of person who orders off-menu from fast food restaurants. It was discontinued 6-7 years ago, but I’m sure your five year plan to acquire it will work out. At least you gain access to the singular Sapphire lounge — that’ll show those morons with the Bonvoy Brilliant! By the way, your status is pointless within the United States — and if you have this card, you probably think about traveling internationally a lot but never go further than North America. You still don’t understand how the flight credit works. Marriott Boundless. You are desperately trying to figure out how to turn this into a Ritz Carlton card. It's an alright card for what is likely the best hotel chain. That's a bit like being the "best" type of heart disease. Decent multiplier for Marriott properties, with an annual fee ordinarily justified by the presence of a 35k point free night certificate. But have you ever tried to use one of these? Hope you like listening to domestic abuse next door in your complimentary one-night stay at a TownePlace Suites. IHG [Anything]. You must like Kimpton enough to justify countless out-of-date resorts, totally devalued points, and a chain that is in no one’s top three. You’ve never heard of Accor live limitless, but you’ll be switching to them in around three years when you’re tired of IHG. Ranked #2 in the world for hotels with Gold and Green curtains — somehow behind Trump Hotels. World of Hyatt. This car has never seen the outside of your sock drawer, serving only to increase the quality of life during your occassional reward stays. Your loyalty program is overrun by every 25-year old with a Chase trifecta — including you. 90% of Hyatt hotels are identical and depressing. Nicer Hyatts (e.g. Thompson, Andaz) are disproportionately expensive, artificially driving up your perceived redemption rate. You will switch to a cashback setup if Hyatt gets removed from the Chase Trifecta. Ink [Anything]. You have absolutely no loyalty to anything in life. You churn through credit card issuers like you move through relationships. You outright lie about your revenue or income to the bank. You don’t wonder whether or not personal spend can go on business cards — you’re certain that it may. You get, like, three of these per year for your “resale business.” You tell literally everyone about the Chase 5/24 rule. You are a member of r/churning. Amazon. This card is fine if you plan to maintain a lifelong addiction to unsustainable warehouse conditions and two-day shipping. Every time you check Amazon, you find fewer and fewer brands you’ve heard of: TASALON stools, TOONOW blankets, and TERLULU silverware. But if you’re into outsourced production and corporate overloads, I guess this is fine. CITI Custom Cash. Your credit limit is probably $600, which is fine because you earn 1% on anything above $500 within a category. You log-in almost daily toward the end of the month due to the anxiety of exceeding the cap. You think this card is a good fit for literally everybody. You probably have three of these, just like you probably have three partners you hope don't find out about one another. You also probably have a Chase trifecta, seeking out a grocery or gas card. But you will invariably get sucked into the Citi ecosystem, until horrible customer service experiences or subpar transfer partners drive you away. Double Cash. You’re a boring person and have absolutely no stand-out features as a human being. Everyone else will recommend that you next get a Custom Cash, then a Premier — advice which you will accept. If you choose another ecosystem, this card will become useless or replaceable. Welcome to Citi, sucker. Premier. You fell in love with the reward categories, and have a weird fixation on travel portals. You are either a credit card amateur or a credit card professional, depending on whether you took on these transfer partners unknowingly or intentionally. You also have no real travel insurances or priority pass. You google “Citi Strata update 2024” three times per week. Rewards+. Everyone who has this card was, at one point, a gamer. No idea why. Also for people who want to make a lifelong commitment to Citi bank. It’s like those who get stuck in a bad marriage but decides to renew vows anyway. Costco Anywhere. Do you wish you could convert more of your liquid cash into gift certificates? You’re in luck. Here, you can accrue rewards all year — in convenient gift certificates instead of inconvenient liquid money. You didn’t realize that you could get 2% (or more) back at Costco with an array of alternative cards. You are literally the most frugal person in the world, but that doesn’t mean you’re good with money. You’ll one day build a survival shelter, probably. CREDIT ONE [Anything]. You were probably scammed. You might have the basis for a valid legal claim. Next, I have a bridge to sell you. DISCOVER It. You’re 19 years old and probably attend a big state school. Discover hopes that one high-value year is enough to keep you as a customer for life. It won’t be. After opening an It as your first credit card, you will find its usefulness wanes after the first-year cashback match expires. After that, you spend the rest of your life wondering whether it’s a good time to cancel. U.S. BANK Cash+. If you have this card, you’re an advanced cashback user. It’s a fine card — 5% back on utilities, internet, TV and streaming. It’s unique categories allow us to overlook the fact that your credit limit is probably $2,000 — and that you’ve been noticing diminishing returns from the credit card game for a long time. Shopper Cash. Probably not worthwhile, except for a narrow subset of use cases. You probably shop at Walmart, but would be better off getting Walmart+ and calling it a day. Assuming you maximize your 6% categories, you earn $360/year, or $265 after the annual fee. You’ll stop using this card in about two years. Smartly. Let's pretend for a second that this 4% catch-all card is sustainable once U.S. Bank realizes that people parking funds is not sufficiently revenue generating to justify coughing up this much value. In such a world, these would be strong rewards. But there will be a nerf, and the joke will be on you. And there's a hidden annual fee: the opportunity cost on superior savings or money market rates elsewhere on $100,000 or more. If you walk out of a car dealership and the salesmen high five, you got scammed; well, the U.S. Bank executives haven't stopped clapping since Smartly's release. Altitude Go. It’s a great starter card for those seeking a secured option to build credit. 4% dining is decent cashback. But you’ll inevitably put this card in the sock drawer once you find a 5% or 3x dining alternative. You’re probably trying to find the right time to cancel. Altitude Connect. 4% on gas or EV charging is the lone highlight on this card. It's simply outclassed. When you buy cars, you go to Car and Driver and sort from worst to best within a segment. For some reason, I am certain that these cardholders also bank with U.S. Bank. Altitude Reserve. This unusual card could have made U.S. Bank a powerhouse — but didn’t. You probably got this card before making mobile payment a habit, and you’re not sure whether you’ll stick to it long-term. First, you need to get approved for this card — but probably won’t. Second, you need to settle for no more than 4.5% back on any given category. Third, you can’t pool your U.S. Bank points from other cards for the 1.5 cpp redemptions. Admittedly, it’s sweet to get 1.5 cpp on all travel redemptions, even at brands with low-value loyalty points like Hilton or Marriott. Your new favorite mantra is “do you take Apple Pay?” Your friends and loved ones roll their eyes when you ask that in a crowded bar or sit-down restaurant. They hate when you stop at a gas station, but begin looking for another once you find it does not accept mobile wallet payments. You can’t easily overcome the $60-75 effective annual fee. But you do get to visit underwhelming priority pass lounges up to eight (8) times per year. Maybe that’s enough! WELLS FARGO Autograph. So you applied for a middle-of-the-pack cashback card with the hopes of unlocking forthcoming transfer partners? Keep waiting. You listen intently when they tell you that these delays are to “get things right,” when obviously these delays were sparked by disarray to mitigate an underwhelming release. You wish you had the Chase trifecta. Your credit limit is probably $2,500. Active Cash. You’re naive and impatient. You signed onto the first 2% card you heard about. You probably shop at Costco. You wait desperately for the transfer partners, which are delayed about as often as the Tesla Cybertruck. You live in denial with the belief that these partners will include American or Hyatt — when you’ll be lucky if they rival Citi. Bilt Mastercard. You rent, and will never be able to afford a mortgage. Especially because you’re apparently allergic to SUBs. You’re certainly under the age of 32. This is essentially a Chase Sapphire Preferred with no ecosystem. You manufacture 40% of your monthly spend to occur on Rent Day. You live in fear of the “nerf,” or of Bilt declaring bankruptcy. You probably fly American Airlines and constantly check whether others have added it as a transfer partner. Your credit limit is probably $2,500. REDSTONE FCU Signature. You are from the northeast, yet pilfered this local credit union for its credit card offering. Sorry, credit lifers — you can no longer get this card if you live outside of TN and AL. For those who already have it, I hope you feel good about yourselves. You joined some weird organization you’ve never heard of, just so you could schedule a Skype call with a nice, elderly staff member. You then lied straight to the face of this sweet old southern lady. Yes, you were very interested in Redstone's other financial offerings. Of course, you wanted to open that checking account. And you just happened to have a natural fondness for credit unions and southern charm. For your dishonesty, you are condemned to the most confusing portal of any credit card issuer, finding that your points oddly double then halve themselves. It might be the least convenient cashback card on the market. You recommend this card to literally everyone, mostly to remind them that you have it. You live in constant fear of nerfs. BREAD FINANCIAL (FKA COMENITY) AAA Daily Advantage. The categories are great. The rewards are great. The app is trash, and the customer service is worse. You’re almost better off getting paper notices. Rebranding can evade reputation for some, but the rest of us remember when Comenity ruined everyone’s credit scores for months. If you’re thinking about taking the plunge, you almost certainly have a Chase Trifecta or a young cashback setup. You frequently wonder whether it’s worthwhile to eat the annual fee and switch to the AMEX Blue Cash Preferred. AAA Travel Advantage. For most people, this is a poorer card than the Daily Advantage, but it has good categories and rewards. The customer service and app are woefully underwhelming. If you get this card, I just assume you drive an ICE Hummer or super-duty pickup. You’re almost certainly on team cashback, and have about 6 cards that you don’t use. [Anything]. Enjoy your store card, prick. You were definitely misled by some retail worker. Hopefully, that Bed, Bath & Beyond or Victoria’s Secret card was a good investment for you. People just organically assume that you have credit card debt. SYNCHRONY PayPal. You’re middle-aged, and have no idea what Venmo is. The rewards structure is decent, but you likely impulse applied for this card too quickly to consider whether it was the best choice. Venmo. You're at most 24 years old and, for some reason, are always hanging with the boys. Your favorite alcohol is beer. You get 3% on one category and 2% on another — so it's basically a worse version of a BOA CCR and so many other cards. But if you want this card to be even more useless, you can turn your cashback into Crypto. Just watch those rewards exhaust themselves! Sam’s Club. Pretty decent for Sam’s Club and gas purchases, with a slightly more flexible rewards structure than Costco. But your off-brand Costco card is unlikely to make up for the fact that you brought discount flowers to your first date, or refused to tip the staff at your wedding venue. Like the Costco card, I sure hope you value store credit just as highly as liquid money. Verizon. Do you value “Verizon Dollars,” more than liquid money? This is the only card earning this patented currency on the entire market! Good earning structure, though. I’d warn you about Synchrony’s customer service, but you have Verizon — you’re used to it. [Anything]. Enjoy your store card, prick. You were definitely misled by some retail worker at Mattress Firm or American Eagle. People just organically assume that you have credit card debt. FIRST NATIONAL BANK OF OMAHA Amtrak. Underrated card with solid point earn and solid 2.5 cpp redemptions for those alone the Northeast Regional line. Did you make the mistake of living elsewhere, in a country which woefully underfunds rail transport? It's not for you. Glad you can redeem for aspirational experiences like a coach seat on a 90 minute train where you're immediately treated like a second-class citizen by staff. LUXURY CARDS [Anything]. You are either insufferable or gullible. You enter a liquor store and buy the most expensive bottle — with zero understanding if its the best. You buy cars for over MSRP. You probably speculate in real estate on the side. You post in r/personalfinance about your struggles to make ends meet with a $150,000 income. You have a serious gambling problem. GOLDMAN SACHS Apple Card. You're reading this on your iPhone 16 Pro Max. You kept reminding your friends that the new one "has titanium, bro." You got the credit card for the same reason. You purchased the most premium feeling card, just to upload it into an Apple Wallet and throw it into a sock drawer. You have, at most, two credit cards. You get 2% on almost all Apple Pay, which is almost as good as a 2% catch-all card. You also tell people about the 4% savings account, when anyone could access higher yields elsewhere. Goldman Sachs is backing out of this deal just as fast as the users who made the mistake of procuring one. I’d love to hate on more card offerings. Anyone have suggestions? EDIT: Can't believe this became the #1 post on our sub-Reddit. That's awesome. Thank you for the support, everyone! submitted by /u/Ryfiii to r/CreditCards [link] [comments]

I recently ordered a new CashApp card, the pink one. I really only ordered it because it said that it would give the app a "pink theme." I assumed that would be the entire app, not just the payment screen. That's not why I'm here though. As soon as I ordered the card, I realized that I forgot to change my last name to my new married name. I did that quickly, but accepted that the new card would more than likely come in my maiden name. Which, is not a big deal. The card was finally delivered, 11 days after ordering it. When I grabbed the envelope today, I saw that it was addressed to my old name from birth. I had my name changed about 5 or 6 years ago. This CashApp account has never been associated with my birth name. I opened the envelope and lo and behold, my new CashApp card has that same name on it. I immediately messaged CashApp support to ask them to send a new pink card, with the same design, and my legal name. The support agent was terrible. She immediately told me that CashApp only sends cards with "verified and legal names" on them. I said that would make sense, except the card that came in is not my legal name. She said, "We do not issue new Cash Cards to update printed names unless there was a printing error or if you've had a legal name change." I then said, "There was obviously a printing error. Otherwise, why was my previous card insert previous legal maiden name, I expected my new card to have previous legal maiden name because I updated my maiden name to my new married name right after ordering the new card." She said that the name printed on my new card is my legal name associated with the account. I told her that I don't really feel like she's actually reading and listening to what I'm telling her. The new card sent to me has a name that has never been associated with this account. I then sent her some photos of my previous card, and my new card. She told me that it's never a good idea to share information like that. If CashApp is a secure site, I'm not really worried about that. I have to get another new card, with my current and legal name, anyway. I never keep money on the card, unless I'm going to immediately use the card. After telling me I shouldn't have shared my card information with her, she told me that she doesn't have any other information to provide on the issue. "I can help with other questions or concerns you have outside of this." I requested to speak to a supervisor or manager at that point. I don't appreciate being told that there isn't an issue, when there is clearly an issue. I'd like to have a card that I ordered and paid for, with my legal name. She told me that she's addressed the issues raised. A manager can be reached out to, but they likely will not have an additional information to provide. Then she said, again, "For context, the name printed on it is the legal, verified name associated with your account." God, that was annoying. It's NOT and has NEVER been the "legal, verified name associated with [my] account." If she would have "addressed" my issue, she would have acknowledged that the name printed on my new card is not accurate. If she's able to verify the name on the account, like she had claimed, she would clearly see that that name has never even been on this account. Has anyone else ever had a similar issue? Was it resolved for you? What else should I do if I keep getting the run around? Edit I should add that I'm a trans woman. The name printed on the new card is my old birth name. That birth name has never been associated with this account. I've only ever had my new name associated with the account, which has been legal for about 5 or 6 years now. My recent name change was only towards my last name; I married my husband in November of last year. I expected my new card to have my maiden name on it because I updated it to my married last name in the app (immediately) after ordering the new card. I definitely didn't expect my birth name to be on the envelope, and printed on the card. submitted by /u/Shenis666 to r/MtF [link] [comments]

I recently ordered a new CashApp card, the pink one. I really only ordered it because it said that it would give the app a "pink theme." I assumed that would be the entire app, not just the payment screen. That's not why I'm here though. As soon as I ordered the card, I realized that I forgot to change my last name to my new married name. I did that quickly, but accepted that the new card would more than likely come in my maiden name. Which, is not a big deal. The card was finally delivered, 11 days after ordering it. When I grabbed the envelope today, I saw that it was addressed to my old name from birth. I had my name changed about 5 or 6 years ago. This CashApp account has never been associated with my birth name. I opened the envelope and lo and behold, my new CashApp card has that same name on it. I immediately messaged CashApp support to ask them to send a new pink card, with the same design, and my legal name. The support agent was terrible. She immediately told me that CashApp only sends cards with "verified and legal names" on them. I said that would make sense, except the card that came in is not my legal name. She said, "We do not issue new Cash Cards to update printed names unless there was a printing error or if you've had a legal name change." I then said, "There was obviously a printing error. Otherwise, why was my previous card insert previous legal maiden name, I expected my new card to have previous legal maiden name because I updated my maiden name to my new married name right after ordering the new card." She said that the name printed on my new card is my legal name associated with the account. I told her that I don't really feel like she's actually reading and listening to what I'm telling her. The new card sent to me has a name that has never been associated with this account. I then sent her some photos of my previous card, and my new card. She told me that it's never a good idea to share information like that. If CashApp is a secure site, I'm not really worried about that. I have to get another new card, with my current and legal name, anyway. I never keep money on the card, unless I'm going to immediately use the card. After telling me I shouldn't have shared my card information with her, she told me that she doesn't have any other information to provide on the issue. "I can help with other questions or concerns you have outside of this." I requested to speak to a supervisor or manager at that point. I don't appreciate being told that there isn't an issue, when there is clearly an issue. I'd like to have a card that I ordered and paid for, with my legal name. She told me that she's addressed the issues raised. A manager can be reached out to, but they likely will not have an additional information to provide. Then she said, again, "For context, the name printed on it is the legal, verified name associated with your account." God, that was annoying. It's NOT and has NEVER been the "legal, verified name associated with [my] account." If she would have "addressed" my issue, she would have acknowledged that the name printed on my new card is not accurate. If she's able to verify the name on the account, like she had claimed, she would clearly see that that name has never even been on this account. Has anyone else ever had a similar issue? Was it resolved for you? What else should I do if I keep getting the run around? Edit I should add that I'm a trans woman. The name printed on the new card is my old birth name. That birth name has never been associated with this account. I've only ever had my new name associated with the account, which has been legal for about 5 or 6 years now. My recent name change was only towards my last name; I married my husband in November of last year. I expected my new card to have my maiden name on it because I updated it to my married last name in the app (immediately) after ordering the new card. I definitely didn't expect my birth name to be on the envelope, and printed on the card. submitted by /u/Shenis666 to r/CashApp [link] [comments]

Hi everyone, I'm the indie developer who makes the CardPointers app which launched last year in this very subreddit and I just published a Mac version for the first time alongside Big Sur. I've been working on the app for over 1.5 years now and continue to make pretty big updates about once per month or so thanks in large part to the feedback of users and the features that are most helpful to you all. If you're not using the app yet, it works by adding the names of the cards that you already have (no bank logins or anything like that, your banking data is yours, and should never belong to anyone else), then the app will automatically tell you which card to use across 18 different purchase categories and hundreds of subcategories to maximize your earnings, let you know when you have recurring monthly/annual statement credits to use (and you can check them off once you've used them), and has all of the important details about your cards' features in one place, with an in-app universal search so you'll always remember which card has that special 10x promotion on gas and supermarket purchases (hello, new Platinum offer!) Here's what's new since the 2.0 launch which I posted about ~2 months ago: Completely customizable dashboard, including a new option to track your 5/24 status (your current x/24 number, and the date when you'll be eligible again!), colors of the various sections, auto-hiding Offers when you have none left, exclude free cards from the upcoming renewal list, show category names on pointers, and lots more. New bonus categories: Ride Sharing and Warehouse Clubs. Hundreds of new smart subcategories and merchants have been added. Using the new Ride Sharing category for example, if you tap into Ride Sharing and have a Chase Sapphire Reserve and a Point card, you'll see a new layout for that category separating out Lyft and Uber since each of those cards have specific bonuses for those respective companies, then you'll see recommendations for all other ride sharing services. The advantage to this implementation is twofold: let you know right up front which merchants have specific bonuses for your cards so that you can prioritize them over other options and see the details in a tap, and you can also use the "See All" button next to the other recommendations to see a comparison across ALL companies to see the very best bang for your buck to help you decide which specific company to use. New widget to allow you to show up to 4 categories at once and the best card for each category, which you can place anywhere on your home screen or today screen. Further improvements to search, so you can start a search in Spotlight, then continue the search in CardPointers to pull up specific details about a card, offer, category, etc. Extended notification options to let you know when you're under 5/24 and can get that new Chase card you've been coveting, track when there are updates to your cards' offerings, and more. The Offers tab will now show you the total amount you have available, redeemed, and (gasp) let expire. 5x faster sync when making changes to cards. 200 new credit cards added to the database -- if any of yours are missing, please let me know, but with over 3,000+ cards supported, the odds are good it's in there already! New option to bypass Sign in with Apple and create/login using an email address/password (feel free to use a throwaway if you'd like, it's just used to synchronize the data between your devices and to offer support if you have any questions). New optional Pro in-app subscription which allows users to further customize the app, enable the 5/24 tracking options, and more; I received a lot of offers from users who asked for a tip jar to be added in the app to help support it directly, and after looking at various options I landed on this solution as the best one. I made sure that *every* single feature which existed in the app before 2.2 remains available to all users, new and old, and all of the core functionality around card recommendations, offer tracking, etc will continue to be as helpful as ever. The Pro tier is made for users who want to help support the app directly and help fund the work on new features which mostly help a small (but important!) number of users such as 5/24 tracking, the ability to customize various sections of the app, hide card recommendations, etc, with much more coming in the future. I'll definitely continue to push out updates to both sets of users, and the hope is that I can do even more with the app to help them understand how to best use their credit cards and grow into 5/24 tracking and understanding the various rules and really help them get deeper into the wonderful world of credit cards we all know and love; the latest update even includes a link from the Learn More section of the app right to this very subreddit! If you want the Pro features without paying for a subscription, there are alternatives detailed in the app as well (tap on Other Support Options in the Pro page), including an easy way to get 1 year for free as an added sign up bonus for many new cards. The Mac version of the app was built using Catalyst, and uses the new modern design language of iPadOS 14 and Big Sur with a sidebar layout, keyboard shortcuts, new menu navigation, and lots more, and features all of the above as well. I'm still working on some other big features which I hope to wrap up soon, including adding multiples of the same card, as well as updating the PWA version for Android and then wrapping that up for the Play Store, but the card recommendation features do work great (including offline support!) for Android users via the PWA version. I'd love to hear what you think of all of the changes and the new look, and as always, if you have more ideas on how to keep improving the app, I want to hear them, as my goal is to make the best app possible for this community and make the credit card game even easier for all of us. ​ Direct link to App Store: https://apps.apple.com/app/id1472875808 ​ Website with more details and a link to the web + Android version: https://getcardpointers.com/ ​ Thank you again for all of the support in the last year, it means a ton, and thank you as well to the mods for pre-approving this post to ensure that we keep this subreddit awesome. submitted by /u/emcro to r/CreditCards [link] [comments]