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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...

You can buy and sell crypto currencies via different exchanges. Some of the exchanges I use are Coinbase Binance.US Kraken eToro After you buy a crypto currency, you may choose to keep them on the exchange or move it into a more secure storage such as hardware wallets or paper wallets. Two of the popular hardware wallets: Ledger Trezor There are software wallets too that can be installed on your computer or your mobile. Choose what is best for you. If you don't have much of money in crypto, it might not be worth investing in hardware wallets. You might be better off with online exchange or other free wallets. If you have invested or plan to invest significant amount of money in crypto, you might want to consider getting a hardware wallet so that you have full control over the private keys of the crypto. You can find the price and other details of different crypto currency here: https://livecoinwatch.com/ https://coinmarketcap.com/ Happ...

Webull is a trading platform without any trading fees. Signup here and fund the account to get 2 free stocks. The promotion may vary over time. Check the details on the link while you signup. Open a Webull brokerage account and receive a free stock valued between $2.5-$250. Make your initial deposit of $100 or more and receive a 2nd free stock valued between $12-$1400. Zero commission for stocks, ETFs, and options. Zero contract fees for options. Enjoy tech. Enjoy investing. The information provided here may vary over time. Please obtain the latest information from the corresponding websites.     Robinhood   Webull  Stock trading  Yes  Yes  Stock trading commission  $0  $0  Option trading  Yes  Yes  Option commission  $0  $0  Mobile App trading  Yes  Yes  Web trading  Yes  Yes  Virtual (Paper) trading  No   Yes  Margin interest rates  5% on amount over $10...

There are various ways in which you can save for retirement. The most common method people know about is 401K. Some of the common options: 401K - Traditional 401K - Roth IRA - Traditional IRA - Roth Rental Income - Buying Investment Property Dividends - Investing in Shares with steady dividends HSA If you own a 401K or IRA account, you need to monitor the account and make sure that the money is invested properly as per your needs (based on your age and risk acceptance criteria). If you are not sure if you are investing right in your retirement account you may make use of third party services that take care of your account for a reasonable fee. One of the services is Bloom . You may try them free for a month and see if that makes sense for you. Traditional 401K/IRA uses pre-tax money (don't need to pay tax on the invested money, they grow tax free, but you pay taxes when you withdraw). Roth 401K/IRA uses post-tax money (need to pay tax before investing in Roth accoun...

The information provided below may not be accurate and up to date. Please contact bank for up to date and accurate information. The information may vary with banks. Differences NEFT RTGS IMPS Accronym for Electronic Funds Transfer Real Time Gross Settlement Immediate Payment Service Description Operates on Deferred Net Settlement (DNS) basis, which settles transactions in batches. 12 settlements on weekdays. 6 settlements on Saturdays. Transactions settled individually for amounts above 2 Laksh (up to 10 Lakhs). Transferred electronically for smaller amounts (up to 2 Lakhs) Times Mon - Fri: 8am to 7pm Sat: 8am to 1pm Not available on Sundays, second and forth Saturdays and other holidays. Mon - Fri: 9am to 4:30pm Sat: 9am to 4:30pm Any time. No holidays. Limit Any amount. Min: Rs.1 Rs. 2 Lakhs - 10 Lakhs Rs. 1 Lakh - 2 Lakhs Charges (plus GST) 1 to 10,000 - Rs. 2.50 10,000 to 1 Lakh - Rs. 5 1 Lakh to 2 Lakh - Rs. 15 2 Lakh to 5 Lakh - Rs. 25 5 Lakh to 10 Lakh ...

Do you want to diversify your investment? There are various options out there. One of them is Real Estate. You can do your own research, buy them, manage them and sell them. But that requires lot of capital, time and energy. If you think you don't have the time or knowledge to invest in real estate there are ways to invest for people like you and me. RealCrowd RealMogul RealtyShares Prosper Fundrise I had the opportunity to invest in Fundrise and I have received decent returns (8% per year) for the past 2 years. The unit/share price has also increased 5%. Fundrise invest in many properties all over US. They have different funds to suit your needs - income, balanced, growth. Each has its own benefits. I am a fan of long term growth and I am so far very happy with its performance. You can either invest in individual funds or upgrade your account to goal based portfolio and your money will be invested in different funds based on your goal. Fundrise - Create Account Fund...

The information provided on this blog post may not be accurate or is out of date. Please refer to the official website for up to date and accurate information.   Steps to apply for US Passport for newborn: Take an appointment at USPS if it takes appointments and has availability as per your schedule. Or walk in. If walking in, be prepared for long wait times at USPS. You might even have to go very early to get token. Both parents and the new born have to be physically present. If one of the parent is not able to come, check the site for the documents needed for absence of a parent. Completed Application form (DS-11) - Better to fill  online  and print it. Or you may download  PDF  and fill with pen. Original Birth Certificate of new born (One) - Proof of citizenship Copy of Birth Certificate of new born (One) - Proof of relationship to parents Passport size 2x2 photo (One) - see  photo guidelines Copy Both Parents ID - (One) Photo copy of Drive...

The information provided on this blog post may not be accurate or is out of date. Please refer to the official website for up to date and accurate information. Application Steps: Step 1 (CKGS) Start at CKGS visa application If you decide to ship the documents, it is better to pay shipping online instead of paying your own shipping outside the application After completing CKGS form, you will be provided a TEMP ID and redirected to  indianvisaonline.gov.in  site (Govt website). Step 2 (GOVT SITE) Start a "Regular Visa Application" here. (Note: Do not click "Complete Partially Filled Form" when you come here for the first time. This is for those who want to continue the Govt website section later after visiting atleast once) You will be given another TEMP ID which you can use to continue this section later Once you are done here, you can download/print the application form. Also you will given an APPLICATION ID (which can be used to download...

The information provided on this blog post may not be accurate or is out of date. Please refer to the official website for up to date and accurate information. Follow doctors advice and take care of your baby Before leaving the hospital, fill the application for Birth Certificate and SSN and submit to representative (VitalStatistics in Kaiser) at the hospital. How long does it take to get SSN card that I applied in hospital? Identify and chose your pediatrician Add the new born child to your insurance (usually through your employer) Request Cop(y/ies) of Birth Certificate online (may be few days later) / in person (4 weeks later) Prepare documents needed for US passport (Birth Certificate, SSN, Photos, Parents ID). In most cases, Birth Certificate can be used as proof of nationality and parent relationship to the child) US Passport application Fill the US Passport application US Passport can be applied at USPS locations (regular or expedite processing) or at Passport agenc...

1. Humana Vitality 2.  AchieveMint  - Register and forget about it. Earn passively. Max 80 points per day, $10 for 10,000 points. 250 points for referrals. 3. Pact app 4. Higi.com 5. Leap4Life Please refer to the corresponding website for accurate information about rewards.

There are different ways to save. Deposit money in a savings account, CDs, or invest wisely. You could save money while shop for your favorite brands, eat out, buy gifts, etc (on your day to day spending). Here are a few ways you could save. Happy Savings... Cash Back Fluz ( more info ) 🌟🌟🌟 eBates  / Rakuten  ( more info )🌟🌟 MrRebates  ( more info ) 🌟 Coupon Cabin Honey TopCashBack JoinPiggy  (browser extension) LivingSocial Restaurants Plus Rewards  - Link you credit cards to get additional cash back on restaurant purchases. WikiBuy  (Get $5 by registering using this link) Ibotta  - Earn cash back for in-store purchases from stores like Walmart, Target, Safeway, Costco, Walgreens, CVS, RiteAid, Whole Foods Market, etc. Cash back is available for online purchase also for select stores. For in-store purchase, after the purchase, scan the items' barcode and the barcode on the receipt using the mobile app to get the cash back. UPromis...

If you don't have a BitCoin address, you may use CoinBase to create one. You will need BitCoin address in order to earn BitCoin. You can find your BitCoin address under tools. You may see more than one address. New addresses are created as you start using them. All of the addresses are valid and you can use any of them at any time. New addresses are generated for security purposes. You may use any of the addresses in the following sites to earn free BTC. Another option is blockchain.info Where do I store my cryptocurrency? You may store them in online wallets like Coinbase or on a hardware wallet like Ledger Nano S . Get 40% off on Ledger HERE . Hardware wallets are the most secure way to store you coins. There are multiple sites that give BitCoins for various tasks. Some of them are listed below. The earnings, frequency and payout minimum could change over time. The values mentioned here may not be current. After signing up, you may bookmark the sites in a separate folder ...