Earnin iOS or Android Apps – Ever get annoyed that you don’t get paid daily? Earnin allows you to get paid daily for FREE! This would be great for students, those on low-income, or someone who needs money before their pay period. While you should still get an emergency fund, this can work for you in the meantime. They run on tips, but you don’t need to give one, so for those who need (rent, food, etc) money before their next pay period, you can try out earnin! Don’t make it a habit though!
Betterment – RoboAdvisor for beginner investors. They diversify your portfolio and automatically tax harvest your losses so you can save money on taxes. They charge .25 percent, the lowest of all RoboAdvisors.
Vanguard – Vanguard has incredibly low fee Index funds (VTSAX at .04 percent) and works perfectly for those looking to do manual tax loss harvesting. Their interface is easy to use and transactions are free for their funds.
IF you desperately need an investment advisor, look for one who is fee based. There is no need to pay a percentage of your AUM just to have someone click a few buttons for less than an hour a year probably.
SoFi – I used SoFi right when I graduated to get a lower rate on my student loans (as low as 2.35 percent variable, so if you’re looking to aggressively pay down those loans, it makes more sense to choose a variable loan). I had just graduated and didn’t have much of a credit history but landed a pretty nice job. Banks won’t let you refinance because you don’t have any work or tax history. SoFi’s algorithm takes into account if you graduated from a good school, what your major was, if the company you work for was difficult to get into, etc. Instead of just relying on your FICO score and W-2, you’re able to get a loan based on more subjective terms. Most banks require at least 2 years of tax returns and the 2 latest paycheck stubs, all of which you don’t have as a graduate. In order to get the best rate, you do need to have graduated from a good school, gotten a high-paying job, etc.
There’s also a discount of .25 percent when you set up your account to auto pay your loan. SoFi does a soft pull, so it doesn’t affect your credit score when you check your rate. There aren’t any origination or prepayment fees on the loan either.
LendEDU – While SoFi has the lowest possible variable rates, I can’t say it will always give you the lowest rates out of all the lenders. LendEDU is for student loan rates as what Kayak is for airplane fares. It allows you to find the cheapest rate. It’s also a soft pull so it doesn’t affect your credit score.
Free Trials, Products, and Discounts
Audible – 2 audiobooks for free. The trial is for 30 days, cancel before the end of the trial and you can keep the audiobooks! If you want to keep it, it’s $14.99 after.
Amazon Music Unlimited – Free 30 day trial. $14.99 for a 6 user account. Find 5 family members or friends and you’re down to $2.49 a month for music, way cheaper than Spotify or Pandora.
Amazon Family – Free 30 day trial. Same cost as Amazon Prime and same benefits, but also has a 20 percent discount on diapers, baby registry benefits, and coupons and deals related to family items. Not sure why it’s the same price as the normal Amazon Prime.
FreshDirect – For those times you don’t want to head to Costco and don’t want to buy food in bulk because you don’t have a lot of people in your family. Fresh Direct offers $50 off your first order with promo code FD50.
CFIRESIM – Open source calculator for modeling your own retirement scenarios. It’s open source too, so you can contribute to the source code as well.
Free Chrome plugin or website. Tracks the price of things you want on Amazon and alerts you when they’re dropped beneath a threshold you set. Great for things you’re unsure of buying but would buy if there was a discount.