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 If you looking to diversify your investments into Precious metals like Gold or Silver, you have few options Exchange-traded funds (ETFs) and mutual funds that track the price of gold or silver Investing in mining companies Buying jewelry Buy and hold physical coins, rounds or bars While buying physical gold or silver, you have few options Buy and hold it in your possession either at your place or in a place like a bank locker. Buy and let some custodian hold it for you. This is called vaulted gold/silver When buying physical gold in small amounts, you pay a high premium on top of the spot price. So you end up paying much more. If you are buying huge amounts at a time, this may not be a big issue. For small investors who plan to slowly build their Gold/Silver portfolio, this is a big hurdle. I have been using Vaulted.com and happy with the experience. Vaulted allows you to buy Gold (Silver soon) online. You may buy for as little as $10. As per Vaulted , Your purchase is allocated...

Very good driving experience Very good user interface Minimalist design But, Didn't come with charging cable. You may buy one from Tesla for $200. Didn't come with mud flaps splash guard. You may buy just the front mud flaps from Tesla for $40. Didn't come with garage door opener. You may purchase and get it installed for $350. Didn't come with a front number plate attached but came with a mount separately that requires attaching to the front. Some may like the front look without the number plate. So this may not be an issue for many. Didn't come with sunglass holder. It is inconvenient to open the right door with left hand and left door with right hand Head feels warmer than rest of the body, when high temp outside. You may buy roof shade from Tesla for $120. Bumpy ride (may get better over time) Uncomfortable seat (Got better over time) No quick way to open glovebox. But one good thing is it has passcode lock option No Apple car play / Android auto (One extra step...

If you have multiple cards, even if linked to apple pay or Google pay, but have difficulty managing them and optimizing them for rewards or cash back, you might want to check out Curve . Don't forget to read about the major issue described under Cons section. What is Curve? Single card that can be linked to multiple cards and can use the single card for all your purchases. Different cards could be used in the backend. Note: This requires a credit pull as it includes applying for a credit card Visa and American Express credit cards may not yet be supported  Pros: Easy to manage all cards in one place Add rules to chose the right card based on category automatically. Additional 1% cash back for first 6 months Additional 1% cash back for certain merchants, you chose No embarrassment feature - if the default card doesn't work, another card can be used. Go back in time - if you selected wrong card either by mistake or due to insufficient limit or for any reason and you wished you ...

There are many ways to maintain an Indian phone number in the USA I will describe how I maintain Indian phone number for $2 a month in USA. I got JIO Sim in India. Added international pack Rs. 1102. Activated international roaming before leaving India. I was able to make calls using the Indian Sim during the initial days until the international roaming pack is valid. After the initial validity expires, recharge for Rs. 1559 (336 days). This comes to around Rs.140 per month. This is less than $2 per month. Also, after the initial validity of international roaming expires, even though you recharge for yearly plan, you will need to top up to make calls / receive calls /send sms. I have topped up for Rs. 40. I have been making a call or sms once every couple of months just to be safe. When ever the top up balance drops below 20, I top up more. Adding top up and making calls every few days/months may not be needed. I have been doing this out of doubt that the sim might get disabled due to n...

Crypto.com offers Visa PrePaid card loaded with USD with the option to convert crypto to USD before topping the Visa card. It has many tiers with great benefits. Check here for the card tiers. Perks include (depending on the tier you choose) cash back Up to 8% in crypto (CRO), up to 100% credits for certain services like Spotify, Netflix, Amazon Prime and higher cash back in Expedia, AirBnb, Airport Lounge access, private jet membership, higher earnings rate on crypto and stable coins like USDC (up to 12% APR) depending on the amount of CRO is staked. Note: Crypto.com could make changes to their benefits/perks/rates at any time. Changes to crypto earn program effective April 4th, 2022:  https://crypto.com/product-news/changes-to-crypto-earn Pros: Earn cash back in Crypto (CRO). 1% to 8% cash back (paid instantly) at the time of this writing. Ability to convert your crypto to cash and use to pay using card instantly Earn higher interest on your crypto deposits (for certain tier cr...

Please refer to  https://travel.state.gov/content/travel/en/legal/visa-law0/visa-bulletin.html for more accurate information. The information provided in this page should not be considered always true. There can be errors in this page. The priority Date cut off date for Employment based EB2 category for Indians and Chinese. Update Mar 2016: When USCIS determines there are immigrant visas available for the filing of additional adjustment of status applications, the Dates for Filing Applications chart may be used to determine when to file an adjustment of status application with USCIS. Otherwise, the A pplication Final Action Dates chart must be used to determine when to file an adjustment of status application with USCIS. january febrary march april may june july august september october november december visa green card greencard gc employment So depending up on if the visas are available, the corresponding dates are highlighted. >> Try the car pool mobile app - Sc...

Fluz cashback app enables you to earn cash back on purchases. How it works? Before you make the payment (online or in-store), during checkout, you open the app, select the store/service, enter the exact amount you see in the checkout and pay using your desired mode of payment in the app. The app generates a gift card code (or a QR code which you could use to scan at the register). You make the payment at the store or online using the generated code. The app provides rewards for the purchase which can later be withdrawn into your account. Fluz is basically an app to buy gift cards in any denomination. Since fluz app uses the gift card approach, you can stack this on top of other rewards programs like Ebates , MrRebates , CouponCabin , etc and earn multiple rewards or cash back on the same purchase. Fluz also provides referral rewards. Each time your referral or a referral of your referral makes a purchase, you get a percentage of the network rewards alloted for that purchase. This lo...