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What Is a Cash Management Account And How Does It Work?

News digest — Mon, 23 May 2022 14:25:01 +0000

Many people today are worried about their finances and savings. Concerns about disruptive global events like the COVID-19 pandemic and the war in Ukraine further strengthen the desire to stay on top of our savings and budgets.

Fortunately, consumers have a lot of choices when it comes to how they save their money. An often under-discussed option is the cash management account. Cash management accounts can be a great alternative to other more traditional banking options including savings accounts.

This article will walk you through what cash management accounts offer and how they work. We’ll also discuss the pros and cons of cash management accounts and alternatives to utilizing a cash management account.

What Is a Cash Management Account and How Does It Work?

To start, let’s look at what a cash management account is. Chances are you already have a checking and savings account, but a cash management account can be an excellent alternative to keeping money in a low-interest account. Understanding financial formulas like cash flow and integrating that into cash management accounts can benefit your financial health.

What Is a Cash Management Account?

A cash management account, often called a CMA, operates like a combination checking and savings account. Preferred cash management accounts will have higher interest rates along with FDIC insurance beyond the normal limit of $250,000. One thing that makes cash management accounts unique is that they are typically held by financial institutions other than banks and credit unions.

Because cash management accounts work like a combination of multiple types of accounts, think of them as a way to do short-term investing and day-to-day banking at the same time. A good CMA will allow you to access your money whenever you want, make purchases, and manage your finances while earning interest. A cash management account is not necessary, but it can be a helpful way to grow your assets and net worth.

How Do Cash Management Accounts Work?

You’re probably already familiar with how checking and savings accounts work, but cash management accounts are slightly different since they blend aspects of a brokerage account with traditional savings and checking accounts.

Typically, a CMA will come with a debit card, paper checks, and digital banking access. Most cash management accounts offer competitive interest rates too. Since you receive a debit card like with checking accounts, you can spend your CMA money and access ATMs like you normally would.

One thing that makes cash management accounts unique is that they are often operated by investment firms, robo-advisors, and mobile trading apps. Cash management accounts then utilize AI-enabled trading algorithms to invest your deposits into partner banks. This process enables CMAs to offer greater levels of FDIC protection than traditional checking and savings accounts.

Since FDIC insurance is done individually per institution, sweeping your funds to partner banks allows your deposits to be secured at multiple locations. Remember, the FDIC only insures $250,000 per depositor for each account category at a given banking institution.

When large CMA balances are transferred to partner institutions, they give you a greater level of protection than you would otherwise receive. It’s not uncommon to find cash management accounts that can insure balances of $500,000 to $1 million and more through their partner banks.

Combined with higher interest rates and the traditional features of more common types of financial accounts — like a checking account and a savings account — cash management accounts can make a great option for saving your money.

The Pros and Cons of a Cash Management Account

Now that you know the basics of how a cash management account works, let’s look at some of the pros and cons of storing your money this way.

Pros

Banking is easier
Maximizes your cash management automatically
Simple to sign-up and secure
Has traditional bank account features
Connected to investment accounts
Often refunds fees
Many additional perks

Cons

Monthly fees
You can miss out on more profitable investments
Potential errors
No brick-and-mortar locations
May have large asset minimums
Special conditions may apply

More Details about Cash Management Account Pros

We’ve gathered more information on what makes cash management accounts a good deal.

Banking is Easier

One of the main advantages of a CMA is that it can simplify your banking. It allows you to invest money, earn interest at a high rate, and utilize a debit card. For example, you can cover costs related to your car and invest from a single account. By having everything in one place, managing your money will be easier.

Maximizes Your Cash Management Automatically

Since many cash management accounts automate investing, it means you can maximize how your cash is used. Think of a cash management account as a convenient way to put your “cash” into investments.

Normally, when we utilize banking services, we use that day-to-day money for making purchases, paying bills, etc. Unfortunately, interest rates on deposit accounts are at all-time lows. A cash management account gives you all the advantages of traditional deposit accounts but allows investment firms to utilize those deposits and bring you greater returns.

Simple to Sign-up and Secure

Many cash management accounts are offered by digital firms that specialize in offering online investment services. Robinhood and Fidelity are some of the primary providers of CMAs. Signing up for an account is a breeze using their digital services. Also, because your deposits are FDIC insured, you don’t have to worry about losing your money.

Many Features Associated With Traditional Bank Accounts

Since a CMA combines features of traditional banks with investment accounts, one of the main draws is that it can act as a replacement for other accounts. CMAs usually feature debit cards, ATM withdrawals, online banking, and even paper check services. CMA debit cards are often issued by major card companies, so not only are they accepted practically everywhere, but you can link them to most popular payment methods such as Apple Pay too.

Connected to Investment Accounts

Many CMAs allow you to connect your account to investment accounts automatically. More accurately, since the account is held by an investment firm, you can purchase investments directly from your CMA. It helps simplify your finances because you’ll have one less place to keep track of your money.

Often Refunds Fees

Importantly, cash management accounts traditionally offer ATM fee reimbursement. This can be great if you enjoy having cash on hand. Many CMAs also are part of large ATM networks, so there may be no fees to worry about.

Other Cash Management Account Perks

CMA pros aren’t just limited to the above list; many accounts can have additional benefits. Some accounts are covered under the SIPC insurance, covering up to $500,000 in cash and securities per account. In that case, you’ll have an extra layer of protection when banking with a CMA.

Other potential perks include free credit monitoring and identity protection. With so many data breaches occurring today, identity protection is essential. Some CMAs offer cash bonuses and waive foreign transaction fees. Finally, you can be assured that you’ll never miss a transaction with zero fee cash advances.

More Details About Cash Management Account Cons

If CMAs are so great, then why doesn’t everyone use them? Unfortunately, they can have some drawbacks too. Here are the cons of cash management accounts.

Monthly Fees

The biggest issue many people face with CMAs is that they can have monthly fees. Some CMAs have these fees if your balance is too low, and others will waive the fee if you have enough qualifying services with your CMA. Today, many CMAs have no fees, so be cautious of any firm offering a CMA with high or exorbitant fees.

You Can Miss Out on More Profitable Investments

One of the reasons to use a CMA is if you’d like to maximize your investment potential while still being able to use that money without it being tied up in an investment account. On the other hand, you may end up utilizing your CMA instead of using a better high-yield investment account. And although CMAs offer competitive interest rates, they aren’t always the highest available. It’s possible that keeping your cash in a CMA may cost you money in the long run.

Potential Errors

Although uncommon, one thing to keep in mind is that the potential for errors is much higher because your balance is lent out to multiple institutions. If you’re worried about accounting mishaps, remember that your deposits are insured.

No Brick-and-Mortar Locations

CMAs rarely have brick-and-mortar locations, which could be a deal-breaker if you frequently go to the bank in person. Fortunately, online banking and electronic check deposits have all but eliminated the need to go to the bank.

May Have Large Asset Minimums

One gatekeeping aspect of CMAs is that they can have large asset minimums to open an account or maintain one. Sometimes, these minimums are in the tens of thousands of dollars – prohibitively high for many Americans. Not all CMAs have no asset minimums, though, depending on the provider.

Special Conditions May Apply

CMAs may also contain other special conditions, like minimum balances, transfer limits, and other terms. It’s important to remember that CMAs are not traditional checking and savings accounts, so don’t be surprised if your CMA comes with strings attached. Be sure to check with a representative about all the details of your CMA.

Alternatives to Cash Management Accounts

Now that you understand the main pros and cons of CMAs let’s look at some of their possible alternatives.

Online Checking

One of the best alternatives to utilizing a CMA is finding an online checking account provider. Ally Bank is one of the most common providers of online banking. A popular draw for online banks is that they usually offer reimbursement for ATM fees because they don’t have regular physical locations.

When picking the account, consider what features it offers compared to your CMA. Cashback rewards are common among credit card companies and checking services but less common for CMAs. Online checking can also offer lower interest rates than CMAs.

Today, many online checking accounts can be linked to your investment accounts, so you don’t necessarily need a CMA.

Investment Accounts

Having a dedicated investment account is another option instead of a cash management account. Dedicated investment accounts from TD Ameritrade or E*TRADE offer similar online services and allow you to connect outside accounts. However, moving funds and clearing them from investments can take longer on these services because the trades have to be resolved. E*TRADE has no yearly fees, which can be a huge plus if you’re looking to experiment with trading on your own.

Conclusion

Finally, remember that nothing is stopping you from having all of these options in addition to a CMA. Think of cash management accounts like other types of financial accounts as an asset in your toolbox for financial well-being. Understanding these tools and becoming educated about them is a great way to ensure your long-term financial health.

New York contributor Kiara Taylor specializes in financial literacy and financial technology subjects. She is a corporate financial analyst who also leads a group affiliated with University of Cincinnati that teaches financial literacy to Black students and helps them secure employment and internships.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Samsung Has A Shiny New Gaming Monitor For $1,500

Android Headlines — Mon, 23 May 2022 17:53:06 +0000

Samsung has just launched the Odyssey Neo G8, a $1,500 gaming monitor that uses Mini LED tech. For gamers, that means mor vivid colors and deeper blacks for games. As well as more pronounced HDR. Mini LED also allows the user to choose which LEDs to disable and which to keep active. Which helps with contrast.

The new monitor is also a 4K curved panel and it comes with a 240Hz refresh rate. Throw all of that together and you can begin to see why this is a pricey piece of tech. At 32-inches, the monitor is easier to fit on smaller desks. Or provide more space on larger desks if you simply wanted more room, than Samsung’s monster Odyssey Neo G9. Seeing as that comes in at a whopping 49-inches and it’s ultrawide.

You can pre-order the Samsung Odyssey Neo G8 starting today

Got an extra $1,500 to spare? If you answered yes to that question then you can pre-order the new monitor starting today. You’ll need to reserve the monitor through Samsung directly and it officially launches on June 6. But if you reserve early enough Samsung is taking $50 off the total price. Meaning you only end up paying $1,450.

It’s not a huge price cut, but when you’re paying this much for a gaming monitor any savings is probably worth it. Samsung officially announced the Odyssey Neo G8 back during CES 2022. Featuring 1ms response times, its signature 100oR curvature, and as Samsung claims, a peak brightness of 2,000 nits.

The monitor also supports Quantum HDR2000 and FreeSync Premium Pro. It even has the same overall design as the G9 series. With the bright RGB ring that sits around the part of the base that connects to the back of the monitor.

What it doesn’t appear to have is the flip down headphone stand that you can find on the Odyssey Neo G9. So you’ll have to find another place to rest your headphones if you use any.

Once the monitor officially launches on June 6, you should be able to find it at other retailers, such as Best Buy and Amazon.

The post Samsung Has A Shiny New Gaming Monitor For $1,500 appeared first on Android Headlines.

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Best Memorial Day Grill Deals – 2022

Android Headlines — Mon, 23 May 2022 17:53:05 +0000

If you’re shopping for a new grill, you probably want to save as much money on it as you can, right? You don’t want to overpay for a grill. While a grill can be important to a lot of people, if you can get one for $300, it’s much better than paying $500 or more. Especially in these current economic times.

So we are here to help you get the best deals on a new grill. Whether that be a charcoal or gas grill, we have them all available down below. Some of these are as low as $100, and some are almost a grand. So there’s something in every price range, for everyone out there.

Now that’s summer, there’s a lot of people that will be spending more time outdoors and grilling is a popular task to do outside in the summer. Especially for Memorial Day, Father’s Day, 4th of July and Labor Day. Or all of the big summer holidays.

Best Memorial Day Grill Deals

As mentioned, we are here bringing you the best deals on grills currently available. These will be from all kinds of retailers like Amazon, Walmart, Wayfair, The Home Depot and much more.

Typically, Coleman has the cheapest grills, along with Walmart. Coleman is a pretty popular name for grills and does provide some really nice ones that you can pick up for very little money. There are also some fire pits that can double as a grill for those times that you want to have a campfire and then cook some hot dogs or hamburgers on it, you can do both.

So without further ado, here are all of the best deals on grills that are currently available. We will be updating this throughout the summer as other deals happen too. So make sure you bookmark this if you’re not in a rush for a new grill.

The post Best Memorial Day Grill Deals – 2022 appeared first on Android Headlines.

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Instagram Sans Is A Curly New Font For A Full Brand Refresh

AndroidHeadlines.com | — Mon, 23 May 2022 21:21:25 +0000

Instagram is launching a full ‘brand refresh’ according to a recent announcement from the company, and the incoming change reportedly includes a new font dubbed Instagram Sans. The new typeface is heavily centered around Instagram’s logo. So it utilizes square shapes with some flair at some corners to round things off. As shown in the image above.

The new typeface matches, according to Instagram, its need to better support as many languages as possible. In service of that, Instagram designed the fresh hand-built typeface with some added help from linguists. Helping to ensure the new font works better not just with standard languages but also with script-based languages such as Thai or Japanese.

Additionally, the company has even shared some imagery to better illustrate that process. Showcasing some fonts from along the way, ranging from the nearly unreadable to more mundane. With some of those examples blending the two styles as part of its transition away from its signature cursive typeface in apps and on the web.

What else is new with the brand refresh for Instagram, aside from a new font?

Of course, aside from a new Instagram Sans font for the brand refresh, the company is implementing other changes too. The company says its new layout and design system are intended to be content-forward. With the underlying goal of serving and “celebrating creativity, simplicity, and self-expression.”

What that ultimately means for end-users remains to be seen. But in the interim, the company also says its intent is to put content at the center of everything. Refocusing on “simplicity.”

Based on a deeper exploration of the company’s announcement, that’s going to put content in a more grid-like ordering with “full bleed” images. That should, in theory, result in less wasted space between content shares. That’s in addition to incorporating behind-the-scenes changes. Such as better resizing to fit more aspect ratios and resolutions.

The post Instagram Sans Is A Curly New Font For A Full Brand Refresh appeared first on Android Headlines.

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Corsair Voyager a1600 is an AMD-powered gaming laptop with a touch bar for streaming controls

Liliputing — Mon, 23 May 2022 16:41:02 +0000

PC hardware and accessory maker Corsair started making its own gaming desktop PCs a few years back, and now the company is getting into the laptop space. The new Corsair Voyager a1600 AMD Advantage Edition is a premium, powerful notebook with support for up to an AMD Ryzen 9 6900HS processor and AMD Radeon RX 6800M mobile […]

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Crypto Crash: 'The Prince of Crypto' Is No Longer a Billionaire

together — Mon, 23 May 2022 15:14:52 +0000

The cryptocurrency market has lost more than $1.6 trillion since November, causing colossal losses for investors holding digital currencies.

The euphoria of the cryptocurrency market in 2021 had made millionaires of many young investors and founders of the most ambitious projects in the crypto sphere.

Last November, when bitcoin and ether, the two most popular digital currencies, reached all-time highs, a significant number of these innovators had even become billionaires.

In most cases they were under 40, but a striking thing was that some were not even 30. They symbolized the new capitalists, a new generation of ultrawealthy people promising a democratization of finance.

A bit more than six months later, two back-to-back crashes, one in January and one ongoing, have swept away many of the gains -- and much of the euphoria.

The fortunes of the builders of the crypto sphere have also declined sharply. This is the case of Vitalik Buterin, 28, nicknamed by Time magazine "The Prince of Crypto".

Heated Debate

Buterin is co-founder of the very popular blockchain Ethereum. This platform enables developers to create decentralized finance, or DeFi, apps, nonfungible tokens and other products.

in November the Russia-born Canadian computer programmer held in a digital wallet crypto assets valued at around $1.5 billion. These assets were mainly ether, a native token of the Ethereum blockchain.

Ether touched a record $4,878.26 on Nov 10, according to data firm CoinGecko. Since then the cryptocurrency has fallen 57%. Ether is currently trading around $2,076.

"(btw btw I'm not a billionaire anymore)," Buterin tweeted on May 20.

The message was met with much mockery from social network users. Some commentators took the opportunity to accuse Ethereum of scam.

"But you sold the top and dumped eth on users head!!!" one user commented.

"Lol he didn't sell on anybody chief, I don't think you know about the Crypto Market cycles, cos if you did, you would know the this phase the market is in is an already anticipated part of the crypto cycle," another user responded. "So do yourself the favour of learning more, not point fingers wrongly."

Another user disagreed: "If he did then he’d still be a billionaire. Where’s ur intellectual ability," the user said.

Other Crypto Billionaires Are Affected

The fall in cryptocurrency prices for some days has been generating debate about the industry as a whole. That's because digital currencies are certainly affected by fears of recession, but also by widely reported scandals including the collapse of the stablecoin UST, or TerraUSD, and its sister token, Luna.

Investors lost more than $55 billion in this disaster, a stark reminder that the industry is still young and above all that investors must do proper due diligence before investing in cryptocurrencies. Indeed, investors have discovered that some projects could turn into sandcastles in record time.

This is not the case with Ethereum, Buterin says, defending the crypto.

"(Note to trolls: no, ethereum was not a mistake," Buterin wrote on May 19 amid the market rout. "Sorry, my viewpoints that PoS > PoW, reaching functionality escape velocity is important, and not-just-currency apps are good are unchanged)."

PoS stands for proof-of-stake. PoW, or proof-of-work, refers to a blockchain network's consensus algorithm, which validates a cryptocurrency transaction by enabling people to compete to add new blocks.

The algorithm typically increases each computer's electricity usage according to the complexity of these computer puzzles, as virtual miners compete to be the first to complete these challenges.

Proof-of-stake differs in that participants don’t need a lot of computing power to secure the blockchain.

Besides Buterin, other crypto billionaires have lost hugely in the market rout. For example, Changpeng Zhao, 44, founder of crypto exchange Binance, has seen his net wealth drop by $80.9 billion since January, according to the Bloomberg Billionaires Index. His fortune is currently estimated at $14.9 billion.

Sam Bankman-Fried, 30, founding CEO of the FTX.com platform, is now worth $11.3 billion, down $4.97 billion from January.

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5 книг про финансовую грамотность, которые помогут подружиться с деньгами

Лайфхакер — Mon, 23 May 2022 14:11:36 +0000

Вредные советы, как потерять все деньги. И рекомендации по грамотному накоплению.

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How to Become a Trivia Host and Earn Some Cash on the Side

My Reading List: Read and Unread — Mon, 23 May 2022 17:18:52 +0000

How to Become a Trivia Host

The Penny Hoarder — Mon, 23 May 2022 14:13:09 +0000

Trivia nights are becoming must-have entertainment at bars across the country, where a good host can make $50 to $250 a night depending on if they work for a company or themselves. The friendly competition is also a regular feature at many restaurants, craft brweries, private parties and churches.

Google “trivia nights Atlanta” and more than 70 listings pop up. Search in a much smaller town such as Marietta, Ohio, population 14,000, and around 15 trivia nights display.

For the outlets that aren’t hosting a trivia night, it’s not hard to convince them to try it, according to Thor Dollar, who owns Hammered Trivia in Raleigh, N.C. He started the year working four locations with one other host and now has 12 hosts working 22 trivia nights at different places.

“Some of the places where we host trivia, it’s their busiest night of the week. Busier than Friday or Saturday. People are there three hours on average and some stay after (trivia) and keep spending money,” he said.

Dollar said his average game has 20 teams, with an average of four or five people on each team. That adds up to 100 people dropping $20 to $40 in a night.

Based on that math, bars and restaurants make $2,000 to $4,000 from trivia-playing customers — and know it’s well worth paying the trivia host $200.

Is It Hard To Be a Bar Trivia Host?

First off, you don’t have to be Alex Trebec. You don’t even have to come up with good questions, much less know the answers.

“You do not have to be a whiz kid to have a good time,” Dollar said. “A good host is really quick thinking, energetic and fun. You’re the host of the party, so you should be having fun.”

Compile Trivia Questions

The Internet is full of hundreds of lists of thousands of trivia questions. Or you can subscribe to a service that supplies questions for a flat fee.

For example, StageTimeTrivia.com charges $100 a month, for weekly rounds of trivia questions, answer sheets and score cards. DeliverMeTrivia.com charges $19 a week for the same.

Don’t be afraid to mix and match. Dollar says he subscribes to a service but also puts in a few of his own questions, sometimes tied to local people and events.

Project Your Voice

“You have to be able to read. You have to be loud and clear and able to project your voice. It’s really public speaking at the end of the day,” said Casey Wyatt, another host with Hammered Trivia.

She’s always loved going to trivia nights, so she just started hosting as a side gig to her day job with an educational data analysis company.

Add a Little Humor

Again, you don’t need to be a stand-up comedian, but throwing in a little humor or friendly ribbing at a team here and there makes the crowd feel engaged with the host and each other.

On a recent trivia night, Wyatt asked: “What is the orchestral piece at the beginning of an opera?” The correct answer is: “Overture.” But when she was reading out answers she said:

“Prelude….,” and some patrons cheered and others cringed, “is the most popular wrong answer. The right answer is overture.”

Not Too Hard and Not Too Easy

To keep the crowd having fun and coming back, most people should be able to answer six or seven questions from each round of 10, Dollar said.

Most pub quiz questions are general knowledge a lot of people know, while a few are for someone who happens to have knowledge in a unique area or remember something they learned in high school anatomy.

“Every good host should be constantly reading the room and getting feedback from players,” Dollar said. If they seem frustrated or they aren’t having fun, adjust your questions.

A Little Technical Know-How

Trivia hosts usually play music in the background from their laptop or phone between rounds and when players are thinking of answers. Some also play snippets of songs for music trivia rounds.

While some bar trivia hosts use pen and paper, many have guests scan a QR code to see the questions and submit answers from their phone.

This allows your pub quiz to include photos, book covers, illustrations or anything that can be scanned and seen on a phone.

How to Start a Side Gig Hosting Trivia

There are two ways to host trivia night: Find your own gig with a restaurant or bar or sign up with a local or national trivia company.

Landing Your Own Trivia Night

Find an establishment that doesn’t have a trivia night and ask if they have ever considered it. If they say they tried and trivia didn’t draw a crowd, explain why you can do it better.

Use the math from above to show how long teams of players stay and how much they spend.

Dollar suggests offering to host three nights for free or a reduced rate, then when a certain number of teams play consistently raise your rate.

Tell the owner or manager that as the trivia host, you’ll provide all the materials including questions, answer sheets, pens, pencils etc. But suggest the business might offer gift cards worth $25 to $75 for three levels of prizes to the winning team or teams.

Get in with Trivia Companies

National bar trivia chains hiring hosts nationwide include Geeks Who Drink, Team Trivia, Top Shelf Trivia and many more. According to Indeed.com they pay $20 to $35 an hour for a trivia night that lasts two to three hours.

Wyatt, who recently signed on with Hammered Trivia, decided to go with a local company after playing several trivia nights around town and applying to the one where she thought the crowd had the most fun.

“I didn’t know it at the time, but they also paid the best,” she said.

How To Keep Trivia Players From Cheating

It’s a given that people cheat at trivia. And when players are submitting answers on their phones, there is even more opportunity to Google an answer or two.

“People cheat all the time,” Dollar said. “Your biggest way to keep the game honest is knowing the players. I go around and talk to the players.”

He also intentionally asks at least three extremely hard questions that raise a red flag if a team gets them all correct.

“Then I strike up a conversation with them. If a bunch of 22-year-old dudes get all the questions about musicals right I say: ‘So which one of you is the Andrew Lloyd Weber fan’ or ‘what was your favorite show that played at the Durham Performing Arts Center last year.”

Another tactic: Catch cheaters in the act of searching for answers on their phone.

“When I know they’re cheating,” Dollar said, “I tell them I’m not going to check their scores anymore but they can still play along for the rest of the night.”

Katherine Snow Smith is a freelance writer and editor in Chapel Hill, N.C. and author of Rules for the Southern Rulebreaker, Missteps & Lessons Learned.

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