10 Items You Should Have In Preparation Of A Cashless Society

10 Items You Should Have In Preparation Of A Cashless Society

The World Of Currency IS Changing

The world is already heading towards a cashless society. China is already a digital currency society. During this pandemic, we experienced the effects of a coin shortage. Grocery stores did not have coins, there was a big emphasis on “card only” transactions. Cashless by Google definition, is characterized by the exchanged funds of cheque, debit or credit card, or electronic methods, rather than the use of cash.

Here are 10 items that will assist and accommodate your transition into cashless transaction:

  1. Debit Card, most widely used today, by Google definition, a debit card, is a card allowing the holder to transfer money electronically from their bank account when making a purchase.

A debit card can be obtained with a checking account from a financial institution such as a bank or from a fintech company such as Stash or Cash App. Accounts with the bank or fintech company source the funds of the holder, allowing the holder to transfer money electronically from their accounts when making a purchase.

2. Credit Card, also most widely used today, by Google definition, a credit is a small plastic card issued by a bank, business, etc., allowing the holder to purchase goods or services on credit.

A credit card is based on credit worthiness. Approval of a credit card can be where you are given credit by the issuing credit card company or where you fund the credit card limit with your funds. This type of credit is called a secured credit card and is usually given to those whose credit is not that good and need to rebuild their credit.

3. Zelle

Zelle allows it’s user to send or receive money via email or a U.S. mobile phone number. With Zelle, you have to have a participating bank that offers Zelle in order to sign up for it. Zelle sends money to U.S. bank accounts only. My primary bank does offer the option to sign up with Zelle, I personally have been trying to sign up for Zelle for a while now. To see if your bank is a participating bank, click here.

4. PayPal

Allows it’s users to send and receive money, to buy and pay with cryptocurrency, to raise funds, to purchase products and pay in 4 payments, to pay at check out and more.

Sign up for PayPal here.

5. Cash App

Cash App allows it’s users to send and receive money, to invest in stocks or Bitcoin, and to bank with a deposit account, receive a debit card, and to add cash to their Cash App balance by stopping in participating stores to load the cash. You cannot pay for items directly at check out by scanning Cash App. You can get Cash App today along with $5 when you send your first $5! Get it here.

6. Google Pay

Google Pay allows it’s users to send and receive money. To hold their cards in a digital wallet, to view their finances, getting a fuller picture. It claims to safer than swiping your card or carrying cash. If you already have a Google Account (i.e. Gmail) you can sign up online by adding a payment method. You can also sign up by downloading the app.

7. Apple Pay

Apple Pay allows Apple users to easily, securely, and privately pay using an iPhone, iPad, Apple Watch, or Mac without a physical card or cash present. A credit, debit, or prepaid card must be added to Wallet in order to use Apple Pay. It can be used to buy things in stores, within apps, on the Safari web, to ride transit, to send and receive money in messages app with Apple Cash. If a user uses a credit, debit, or prepaid card, they will continue to get the rewards, benefits, and security that each one provides. If Apple Card is used with Apple Pay, the user can get daily cash on their purchases.

8. Bitcoin

What Is Bitcoin?

Bitcoin is a form of buy, sell, payment and exchange. It is not money. However, it can be used like money. In the United States it is not a currency. The United States government controls what is currency in the United States. Bitcoin is property. You can own it, you can buy it, you can sell it, you can use it to exchange for goods and services, you can build a hedge against the U.S. dollar with it. However, it is not money. It is not apart of the currency issued by the United States government. You don’t have an actual coin in hand to own, buy, sell, use, or exchange Bitcoin it is used digitally.

9. NFT

NFT (Non Fungible Token) is a special cryptoasset in which each token in unique. It is different than Bitcoin and dollars. Bitcoin and dollar bills are worth the exactly the same amount. NFT can be used to authenticate ownership of digital assets (e.g. digital works.)

10. Smartphone

Yes, a smartphone.

This is how most of China’s economy operates on a daily basis. With a scan of their phone a payment is made. Where is the money coming from? An app on their phone or a digital wallet. Instead of wallets, they carry smartphones. In the U.S. you can easily check out at some stores with your smartphone. This is where the world is heading. No physical in hand money needed.

Cite:

Zelle

About Apple Pay | About Apple Pay – Apple Support

Coinbase | What is a non fungible token (NFT)?

Cash App

What Is Bitcoin?

PayPal

Learn What The Google App Is & How To Use It

Choose A U.S. Binary Options Broker | Binary Options

Choose A U.S. Binary Options Broker | Binary Options

So You Want To Trade Binary Options As A U.S. Resident, First Know The Commodity Futures Trading Commission (CFTC) & The Commodity Exchange Act & Regulations (CEA)

Commodity Futures Trading Commission (CFTC)

The Commodity Futures Trading Commission was created in 1974 with the enactment of the Commodity Futures Trading Commission Act. Prior to this, futures contracts for agricultural commodities were traded in the United States for over 150 years and since 1920, under Federal regulation. The (CFTC)’s mission is to promote integrity, resilience, and vibrancy of the U.S. derivatives market through sound regulation. (Bold emphasis added.)

You can visit the (CFTC) website directly here.

The Commodity Exchange Act (CEA)

The Commodity Exchange Act (CEA) regulates the trading of commodity futures in the United States. It establishes the statutory framework under which the Commodity Futures Trading Commission (CFTC) operates. Under the (CEA) the (CFTC) has the authority to establish regulations that are published in title 17 of the Code of Federal Regulations.

Binary Options Brokers Who Use Arbitrage Services

There are a lot of binary options brokers who offer arbitrage services that allow you to trade binary options. Some of these arbitrage services are located in countries outside of the United States of America. Some U.S. residents opt to trade using the arbitrage services that are in these countries, however, if you live in the United States of America your binary options broker should be registered in the United States of America. You want to trade legally and ethically. You don’t want to be intertwined with, caught up in, or connected to an off shore broker that could possibly get you in legal trouble because they aren’t following U.S. Regulations and requirements and indirectly you, whether you are aware of it or not, would not be following U.S. Regulations and requirements.

You Could Lose All Of Your Money With An Off Shore Broker

Another reason why you want to use a U.S. based broker is, you could lose all of your money. Without regulation to protect you and your funds you could lose everything you invested and gain while trading with an off shore broker. You want to be at ease while trading and know that your investments are regulated and you want to profit.

U.S. Binary Options Brokers

You can check whether a broker is registered with the (CFTC) in the United states BEFORE you trade. You can actually check registration and backgrounds before you trade. This can be done by visiting the NFA BASIC database to check. You can get there directly from a webpage on the CFTC’s website here.

Per the CFTC,

Before working with any person or firm to trade in commodity futures, commodity pools, options, forex, or other derivatives, verify that the entity is properly registered with the CFTC. The Commodity Exchange Act requires certain firms and individuals to be registered with the (CFTC). Registration and examination of intermediaries is conducted on behalf of the (CFTC) by the National Futures Association (NFA) under the supervision of the (CFTC).

CFTC Commodity Futures Trading Commission

With a check via NFA BASIC database, you receive registration, disciplinary or regulatory history, and financial information.

Here are some U.S. Based Brokers that are NFA Member Approved

TD Ameritrade Futures & Forex

TD Ameritrade Futures & Forex LLC

Webull

The best way to use this site is to enter the name of the Broker that you want information for and it see what results that you receive.

Non US Based Binary Brokers

These are some Non US Based Binary Brokers. The list is not all inclusive. They are not apart of the (CFTC) and are off shore brokers. They may be regulated with an International Broker or a broker for their country.

Hugo’s Way

Pocket Options

IQ Option

Cite:

Commodity Futures Trading Commission | http://www.cftc.gov

National Futures Association| https://www.nfa.futures.org/basicnet/

Bridget Denise Webb

Cost Of Living For Each State | United States Of America

Cost Of Living For Each State | United States Of America

What is Cost of Living (COL)?

Cost of Living is the level of prices relating to a range of everyday items.

Google

The cost of living is defined as the amount of money needed to sustain a certain standard of living by affording basic needs such as housing, food, healthcare, and more.

World Population Review

How Is Cost Of Living (COL) Used?

Cost of living is used to see how much it costs to live in a particular state. If you’ve never taken the time out to find out what this amount is, you should. It can help in determining and making economic decisions for your life. It will help you realize how much things cost in your state. You have no control over the state you are born in, however, once you reach the age where you can make your own decisions, you have control over whether you want to stay in your birth state or move somewhere else.

Have you thought about moving?

If you are transistioning to another state, this is good information to know. For example, if you plan on renting an apartment, the amount it cost to rent an apartment in Oklahoma is not the same amount to rent an apartment in California. In fact, an apartment in California can be in the two thousand dollar range per month. Why? The cost of living for each state is different. The prices for food, clothing, gas, and etc., are different.

The cost of living is often used to compare how expensive it is to live in one location compared to another and is also used as a big factor for people to determine where they want to be located in addition to cultural attractions, the job market, and other factors.

World Population Review

Bottom Line

Some states are more expensive to live in than others, knowing the cost of living for a particular state that you are considering will help you factor in how much it will cost for food, shelter, transportation, energy, clothing, healthcare, and if you have children, childcare. All these things are different for each state.

How Are The Cost Of Living (COL) Indexes Factored?

Cost of living indexes are expenses used to track how much the cost of basic expenses raise over a period.

Expenses used are: Food, Shelter, Transportation, Energy, Clothing, Healthcare, and Childcare.

The Least Expensive State To The Most Expensive State

Based on November 2020 data.

  1. Mississippi
  2. Kansas
  3. Oklahoma
  4. Arkansas
  5. Missouri
  6. Alabama
  7. New Mexico
  8. Georgia
  9. Tennessee
  10. Indiana
  11. Michigan
  12. Iowa
  13. Texas
  14. Ohio
  15. West Virginia
  16. Nebraska
  17. Louisiana
  18. Kentucky
  19. Idaho
  20. Wyoming
  21. Illinois
  22. South Carolina
  23. Wisconsin
  24. North Carolina
  25. North Dakota
  26. Utah
  27. Montana
  28. South Dakota
  29. Puerto Rico
  30. Florida
  31. Minnesota
  32. Arizona
  33. Virginia
  34. Pennsylvania
  35. Colorado
  36. Delaware
  37. New Hampshire
  38. Nevada
  39. Washington
  40. Maine
  41. Vermont
  42. New Jersey
  43. Rhode Island
  44. Connecticut
  45. Maryland
  46. Alaska
  47. Massachusetts
  48. Oregon
  49. California
  50. New York
  51. District of Columbia
  52. Hawaii

What number is your current state? Let me know by leaving a comment with your state and it’s number on this blog post.

The Least Expensive State To Live In & Most Expensive State To Live In

According to the data, the least expensive state to live in is:

The most expensive state to live in is:

Do you live in either state? Leave a comment on this blog post letting me know.

Cite:

World Population Review: https://worldpopulationreview.com/state-rankings/cost-of-living-index-by-state

Bridget Denise Webb

How I Stayed Two Nights At A Hilton Garden Inn For $9.22 | Hilton Honor Points

Hotels

Hotels are varied in class, safety, and preference. I have had the opportunity to stay in a variety of hotels. Hilton Garden Inn is apart of the Hilton Brand.

How I Did It

One night, I didn’t have any place to go and asked if I could charge the laptop I was using in the lobby of a Hampton Inn that was in the area of the previous hotel I had stayed at. I ended up staying close to a month, maybe more at that particular Hampton Inn. This was also during the pandemic, executive orders for Michigan. Because I signed up that night for Hilton Honors, I accumulated points for the stays that were under my name and Honors Member number at the hotel. Needless to say, the points were enough for me to book a free twonight stay at the Hilton Garden Inn. I paid $9.22 in taxes and fees. If you are familiar with the prices at Hilton Garden Inn, some nights a hotel room can be over $100.00, like $102 -$109 dollars before taxes and fees. Points are really a benefit. Being a Hilton Honors Member is a benefit. Outside of point accumulation, you also can receive Honor Rates when available.

I booked the room online using my points and my debit card to make the reservation. It was $9.22. Once, I got to the hotel, there was a refundable incidental fee, that I also had to have authorized on my debit card. After, checking out, my final price for the room was $9.22. That is a great deal!

What Are Points?

Points are a system of value that works like money but isn’t money! You can’t redeem it for money. You can earn points from stays, flights, rideshare, etc., Depending on the brand or merchant that is giving the points determines ways you can earn the points and how you can use them. With Hilton Honors, you can earn points and you can buy points. I earned points. With every stay and for listening to calls after talking with a Hilton Honors Representative via phone.

How You Can Do It

  1. Sign up to be a Hilton Honors member.
  2. Stay at any Hilton hotel to accumulate points.
  3. Earn any of the ways listed on the Hilton Honors Website.
  4. Listen to phone calls when offered after talking to a live Hilton Honors Representative.
  5. You can also purchase points. They recently had a match points promotion going on, where if you buy a certain amount of points, they match the points.
  6. You can also take surveys when offered to you to earn Hilton Honors points.
  7. Once you accumulate enough points, find a Hilton Garden Inn or any Hilton Hotel that you would like to stay at and book it!

Use This Expense Tracker To Find Out Who You Are [Printable]

Use This Expense Tracker To Find Out Who You Are [Printable]

How To Use A Printable Expense Tracker To Find Out Who You ARE!

Do you think that things will be different when you get a certain amount money? Life will change and everything will be grand because you have acquired a significant amount money that will allow you to do the things that you aspire to do or would like to do, however, the only thing that is holding you back is the finance? The money.

Your preparation or what you did or do during the times you don’t have it, is what will be present and in action when you do receive it. Or what will allow you or disallow you to receive it.

Money magnifies who and what you are.

Your same level of knowledge concerning money, plan or no plan, habits, strengths or weakness will be present with or without money.

One way to find out who you are is to follow the money. What do you spend money on? Big or small purchases or expense. Follow the money.

Expense Tracker | Printable

An expense tracker allows you to track what you are spending money on. In return it gives you keen insight into who you are. What your needs, wants, miscellaneous spending, giving, and habits are. An expense tracker printable gives it’s users the ability to track and follow the money they have been spending. It can be downloaded and printed before and after use. An expense tracker printable can be printed anytime one is needed, which saves the user from purchasing an expense tracker over and over again.

Expense Tracker

A digital, printable and functional expense tracker that allows you to track your everyday expenses!

$7.00

Expense is the cost required for something: the money spent on something. (Google). This is noted at the top of the Expense Tracker printable for sale above. This definition gives the focus and directive you should have and keep while using the Expense Tracker printable. Whatever is spent for something, the cost for it should be listed and therefore tracked.

Create an Expense Tracker Notebook, Expense Tracker Binder, or Expense Tracker Diary

In using an expense tracker printable, you will successfully acquire sheets of tracking your own expenses. It becomes your own data that you can research, refer to, look back on, and gain the insight needed to make the changes needed or to put in place new directives that you want your finances to go in. Maybe you need to implement increasing in a certain area or decreasing in a certain area in order to reach a certain goal or to live your best financially. An expense tracker printable will allow you to accumulate your data. To research yourself. To get the information you need to do this. Successfully tracking yourself for a month will allow you to be able to create an Expense Tracker Notebook, Expense Tracker Binder, or Expense Tracker Diary. Whatever is your desire.

Expense Tracker Bullet Journal Printable

An expense tracker printable can easily be implemented into an Expense Tracker Bullet Journal Printable for a Bullet Journal. The ability to bind the printables to become a book, notebook, journal, or diary is present. The use of a hole puncher could also create a functional notebook binder.

Best Expense Tracker

The best Expense Tracker is one that best fits your needs and that inspires you to use it.

Some needs are that it is functional, simplistic in nature allowing you to think and see cleary what you are doing and what is going on, and that allows you to gather the information needed. Nothing distracting and the attention is on the task and not creative design. If that’s you, the Expense Tracker listed in this blog post for sale would help you achieve that.

Some needs are that is creative and inspiring. Motivational. It makes you want to pick up and use it. You feel like you are really creating something or doing something. If that’s you, the Expense Tracker listed in this blog post for sale, has a motivational directive.

If you like colors and designs, bullet journaling, creating, go for it! If you need a more accounting and financial approach, go for it. Go for whatever is going to help you get it done.

To find out who you are start tracking what you are spending money on now! You may be surpised at what you find out, however, you will be armed with the information needed to navigate and begin implementing the changes and strategies needed to be who you want to be financially!

Bridget Denise Webb

What Is Bitcoin?

What Is Bitcoin?

Bitcoin is a form of buy, sell, payment and exchange.

It is not money. However, it can be used like money. In the United States it is not a currency. The United States government controls what is currency in the United States. Bitcoin is property. You can own it, you can buy it, you can sell it, you can use it to exchange for goods and services, you can build a hedge against the U.S. dollar with it. However, it is not money. It is not apart of the currency issued by the United States government.

Bitcoin is a type of digital currency in which a record of transactions is maintained and new units of currency are generated by the computational solution of mathematical problems, and which operates independently of a central bank. (Google)

Bitcoin was created by a person. The name most associated with the person who created it is Satoshi Nakamoto. There is only a limited amount of Bitcoin available worldwide. Once that limit is reached no more exists.

It can be used like money. It is deregulated. It is not regulated by banks or the government. It is digital. It is also known as Cryptocurrency.

Cryptocurrency is “a digital currency in which transactions are verified and records maintained by a decentralized system using cryptography, rather than by a centralized authority.” (Google)

Bitcoin can be bought with U.S. Dollars or whatever your currency is in your country and it can be used to buy, exchange and pay for things that you would buy with regular fiat money. You can also sell Bitcoin for U.S. dollars. It is legit. There are even ATM’s for it. In the U.S., you do have to report your buys and sells (your transactions) to the IRS.

Photo by Karolina Grabowska on Pexels.com

Bitcoin is an investment and is like a hedge against the U.S. Dollar. It can be comparable to gold. In the U.S., if the U.S. dollar fails, then Bitcoin and other hard assets like gold come into play and hedge against it. You would be able to still buy, sell, exchange, make payments because of the value, accessibility, and ability of Bitcoin. People are building their portfolios and investing in it and obtaining it now. Companies and businesses are implementing it in their form of payment options, where the consumer can pay with/in Bitcoin. PayPal most recently, implemented the ability of its users to buy, sell, and hold Bitcoin. National retailers are now accepting Bitcoin as a form of payment. Games offer rewards in Bitcoin and Lolli offers rewards when using their service when you shop at top stores.

To learn more about Bitcoin and earn Bitcoin while you learn about Bitcoin visit Coinbase. Coinbase also provides a digital wallet for Bitcoin users which is also needed to store Bitcoin. For current and more information on digital assets and blockchain technology visit Coindesk.

Bridget Denise Webb

GET FREE MONEY BACK WHEN YOU SHOP

GET FREE MONEY BACK WHEN YOU SHOP
Fabulous Finances YouTube Video – Get Free Money Back When You Shop

Instead of spending money on purchases you were already going to make on products or services, pick money up off the table by earning free money when you shop. You can earn free money from a variety of categories: grocery, online shopping, clothing, restaurants, travel, kids and baby, sports and outdoors, special deals, grocery pickup and delivery and more.

This is 100% free. All you need is a smartphone, or a laptop, or a desktop computer and a PayPal account.

From your smartphone app store, download the ibotta app or add the ibotta Cashback Browser Extension for Google Chrome to your web browser. Once you have the ibotta app or the browser extension, sign up for an ibotta account. Once you have signed up for an ibotta account, attach your PayPal account to your ibotta account. Start selecting offers to earn cash back immediately to your ibotta account balance. Once you reach the minimum threshold of $20.00 in cashback earnings, you can cash out to your PayPal account. You can also use your balance to get available gift cards instead of cash if you desire.

However, the focus of this blog post and YouTube video is getting free money back when you shop.

Follow, Comment, Share.

Visit and Subscribe to Fabulous Finances YouTube Channel.

Bridget Denise Webb

New E-Book! GOD’S MONEY

New E-Book! GOD’S MONEY

How do you view the money that you have or receive? How do you view money, period?

Find out how you should view money with supporting scriptures to build your faith in GOD’S MONEY.

cropped-gm-pdf.png

Get yours today on Etsy!

Bridget Denise Webb

Poverty Operates Via A System. Wealth Operates Via A System. There Is A Difference. #ImNotSettling

Poverty Operates Via A System. Wealth Operates Via A System. There Is A Difference. #ImNotSettling

Single Goals 4 Houses = A Hotel

Single Goals 4 Houses = A Hotel

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