Stash vs. Acorns

Stash vs. Acorns 16 May

Stash vs. Acorns

In today’s world, millennials who are interested in investing have a plethora of options to choose from. From novice investors to experienced ones, there’s an application for everyone out there. In this article, we will take a look at two of the most popular investing applications – Stash Invest and Acorns.

Similarities between Stash and Acorns

On the surface, both the apps have been designed to make investing simpler for any investor out there. Furthermore, the users of Stash and Acorns primarily invest in exchange-traded funds (ETFs). Even the pricing is similar – $1 per month for accounts under $5,000 and for accounts over the same, a yearly fee of 0.25% will be levied. In addition to this, neither of them charge a trading fee.

So, how do Stash and Acorns differ?

The two investing applications differ in their core philosophy. Acorns was founded on the idea of micro-investing and letting your spare change grow into wealth over time. On the other hand, Stash Invest was designed to give people a feel of ETFs and enable them to invest in these funds confidently.

Any person who is not familiar with the world of investing can open an account with Acorns and witness the magic of compounding as time goes by. Every time you make a financial transaction, Acorns will round that value to the nearest dollar and invest that change in ETFs portfolios of your choosing. These portfolios comprise six asset classes like real estate, government bonds, corporate bonds, et cetera, and differ in risk factor, ranging from conservative to aggressive.

Needless to mention, you will be required to link the cards you use regularly with Acorns. You can also choose to invest a lump sum, depending on your financial condition.

When it comes to Stash, the idea is to invest in ETFs directly. Stash Invest offers more than 30 exchange-traded funds to choose from, each having a different asset class. Moreover, the names of these funds have been simplified to avoid the financial jargon. For example, if you are looking to invest in healthcare ETFs, then you can consider investing in ‘Live Long & Prosper’ or ‘Modern Meds’. You can further check the companies comprising these funds. Similarly, there exists ETFs for other sectors like banking, public works, real estate, et cetera.

From the above differences, it is evident that Acorns is for those users who are looking to invest and grow wealth effortlessly without having to learn a lot about finance. Meanwhile, Stash is suited for those who are willing to learn and create their own investing strategies for ETFs.

20 Jan

Troubleshooting Your Dash Cam: What You Need to Know

When you buy a dash cam, expectations are often high, and you hope a smooth recording experience.  Nevertheless, like any other electronic machinery, dash cams are not proof to malfunctioning. A majority of users often dead this moment when it eventually comes. This is because they associate machine failure with high repair costs. Luckily, we analyzed some of the most recurrent dash cam issues and came up with proven solutions. However, if the problem persists, professional help may be required.

  1. Sudden halting of recording

Mostly, this is as a result of the failure in the motion detection system. When no movement occurs in front of the camera lens, it usually stops recording. Therefore, to start recording again, the motion detector has to be switched off.

  1. Camera’s screen goes blank

After a lack of activity, the screen goes blank in some models.  The solution to this is activating the power saver or turning on the backlight. This feature switches off the screen when inactive for some time. It, however, does not stop recording, which continues in the background.

  1. Camera doesn’t power up after ignition

Modern cameras rely on the car’s battery for power, thus they automatically turn on when the engine is started. This is not always the case, as the camera delays in some instances. In such situations, the most probable cause is a drained internal battery which often requires more time to fill up its reserves before powering up the dash cam.

  1. The Camera records intermittently

Firstly, check the SD card. Make sure that its speed is at least Class 6, as slower cards are a recipe for file corruption. Also, ascertain the authenticity of the card, as the market is marred with large amounts of fake memory cards. These often crumble when overstretched, particularly by high definition recordings.

Secondly, you should assess the power supply. The power cable should be tightened, and in the presence of a LED, it should be on. Alternatively, you can inspect the fuse to see whether it is still intact.

  1. Card Full and Card Error Notification

The card full message automatically appears to inform you that your storage is depleted. To avoid such notifications, regularly transfer media from your dash cam to external drives, either using a smartphone or computers. Also, you can buy multiple memory cards for replacement purposes.

Card error messages arise from file corruption. Unfortunately, the only way to go by this problem is formatting, which erases all data. In extreme cases, the memory card might become irreparable.

29 May

Soundproofing Insulation

Insulation itself is defined a way in which material helps to control how heat and sound move throughout your home. It is material that is generally packed fiber used as a layer between walls which minimizes the amount of heat exiting and entering your home. When in possession of the proper material,insulation also has the ability to absorb sound, known as soundproofing insulation. Essentially, the thin layer of insulation used to soundproof only works because the sound bounces around in it cavity insulation works to reduce the energy level of sound. Soundproofing insulation is a particular feature in the spectrum of insulation and insulating products as it is specifically designed to be a noise barrier. The insulation slows down the sound just as ordinary insulation would absorb heat, or slow down the transfer of heat between the exterior and interior. Soundproofing insulation does not only minimize sound from outside to inside, but it also has the ability to effect the travel of sound from one room to another.

You can buy soundproofing insulation panels for wood or steel-stud walls and ceilings. The types of insulation that function most noticeably best when it comes down to soundproofing, includes: standard fiberglass insulation, mineral wool.cellulose, fiberglass and foam. However, the latter is often best when used for thermal proofing versus sound proofing. And fiberglass is best used when installed in a room without doors, as it is least costly, and its effectiveness loses out when an non-insulated door comes into play. The best is likely cellulose insulation as it tends to feel those cavities left open, and cover the minute number of air-holes available for sound to slip through. Cellulose is also extremely thick and as much as three times thicker than, for example, fiber glass insulation. Both fiberglass and cellulose can be installed in walls, floors and ceilings.  

Another great brand of soundproofing insulation is Peacemaker. Peacemaker, by Audimute, is used to soundproof wall, floors and ceilings. It is made with recycled rubber for all eco-friendly purposes. Peacemaker promises an effective level of noise reduction alongside moisture protection. It is also good for a variety of living quarters and living spaces, like the walls of apartments, multi-family homes, luxury condos, tinier studios, movie theaters, etc. It is important to know, soundproofing insulation is less “soundproofing” and more “minimizing” than anything. In other words, soundproofing insulation specializes in sound reduction over taking away sound(s) in totality. 


8 May

SEO Or Paid Advertising?

If you have a website and are trying to increase your website’s visibility and drive more traffic to your site, you may want to consider hiring the services of an SEO or Paid advertising company. Paid advertising services can get your website’s link at the top of a search page’s results for certain keywords. Paid advertisements at sites like Google, Yahoo, and other well known and often used search engines can be a great traffic generator. Unfortunately, these advertisements are not free. The spaces at the top of a search page’s results are reserved for paying customers, so if this is not you, you will likely want to find some other method of increasing your website’s ranking in search results.

One way to do this is to use Search Engine Optimization. Search engines typically crawl the world wide internet and catalog information about all different kinds of websites. Your website is “crawled,” or visited, by these search engines for the purpose of creating a convenient index so that your site can appear when someone searches for it on a search engine. If your website is an online retailer, then someone searching for an online retailer at a search engine may not necessarily find your site immediately. Since there are many online retailers, your site may appear somewhere in the search results, but not necessarily at or near the top of the list. Having a link to your website appear at or near the top of the list is important, because most people will not search past the first few pages of search results, so if your website’s search ranking is low on the list, people may not find it unless they search specifically for your site by name. From an advertising and web traffic generating perspective, this is important, because people who already know your site by name generally do not need a search engine to find it. Being high in the search rankings allows your site to become visible to people who do not already know about it, helping you advertise to new customers. This helps attract new visitors, who will, in turn, spread the word about your site if they like what they see.

Search Engine Optimization in itself is free, and you can learn how to do it on your own time from the comfort of your own home. There are also many articles on the internet that can give you an idea of what content and keywords to use in your website that will help your site appear more frequently in web searches. While optimizing your website for search engines is free, it can be very time consuming and complicated work. Search Engines use sophisticated algorithms and formulas in deciding which websites appear at the top of unpaid listings, and there are many companies whose entire business model is focused on providing SEO optimization services to customers.

In this sense, SEO can also be a form of paid advertising. If you are serious about getting your website’s links to appear in as many searches as possible, it may be a good idea to do both paid, sponsored ads, and Search Engine Optimization on your own. You could also hire an SEO firm to do additional work for your site. In the end, what you choose depends on your budget, goals, and personal preference, but paying a professional to advertise and optimize your site is usually the most efficient way to increase your site’s visibility.