personal finance tips
Money and you
The top fintech trends for 2025: what’s leading the future of finance?
The top fintech trends in 2025 have helped change the business landscape and will continue to do so. The current boom in this area is allowing financial institutions, fintech companies, and other businesses to change the way they work. Understanding the main trends is vital for businesses, as well as innovators and consumers. Among the main talking points in the fintech sector this year, we’ve seen the growth of artificial intelligence (AI), real-time payments, and embedded finance. However, any look at the top fintech trends also has to cover topics like cybersecurity, behavioral biometrics, virtual cards, and tokenization. It will
Money and you
Best digital banking options for digital nomads in 2025
The need to find the best bank for digital nomads has become more important than ever before. Increased work flexibility and global reach have changed our lives, and traditional banks don’t always offer us what we need to handle multiple currencies and avoid hefty foreign transaction fees. With up to 80 million digital nomads currently working from laptops or smartphones across the planet, the idea of opening and using a bank account has changed for many people. These online workers now need to be able to handle their money in different countries and currencies without high currency exchange fees. Digital
Money and you
Transaction pending? What it means when money is taken but not yet processed
What happens when a transaction is pending but money is deducted from your bank account or credit card? This situation can occur with electronic transfers and card payments, but why does it happen? A bank pending transaction isn’t usually a problem and may be a sign of one of the different issues we’ll be looking at here. Common causes of pending transactions It is typically the amount of a purchase you’ve made, often with a debit or credit card. You’ll see that it’s listed as pending, but it’s not on your list of posted transactions that have been completed. That’s
Money and you
How much cash can you legally travel with? Limits explained
How much cash can you travel with? The answer depends on various factors, such as where you’re going. Each government imposes limits on how much national and foreign currency people can carry when crossing its borders. It is why there’s a legal obligation to declare how much cash you hold when traveling from one country to another. Before you leave home, you must know how much cash you can legally take. General cash-carrying limits across various regions If you’re getting ready to take an international flight, you should find out how much cash you can carry before reaching the stage
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How it works: cash pickup
Cash pickup services offer a simple way to send money abroad or to someone who doesn’t have a bank account. They provide an instant kind of cash transfer, although you need to be aware of the fees charged for this money payment service before you confirm the transfer of funds. We’ll be looking at all the relevant details to let you make an informed decision. It can be a valuable service for moving cash as part of your overall approach to international money transfers. However, you should also be aware of other transfer options, such as local and international transfers
Money and you
Insufficient funds explained: causes, fees, and how to avoid them
Insufficient funds (also known as non-sufficient funds or just NSF) is a term that refers to a situation when a bank account lacks the necessary balance to cover a transaction. Without enough money on credit or debit cards, payments bounce, which naturally leads to declined transactions. In this article, our team will explain the causes of insufficient funds and why you have to deal with associated fees. We will also provide practical strategies to avoid unfortunate situations of insufficient funds. What does insufficient funds mean Insufficient funds mean that your account balances don’t have enough money to cover a transaction.
Money and you
Black Friday tips: how to shop smart and stay financially safe
Black Friday, one of the most eventful days of November for many folks, is coming. It is a truly special occasion for many: many retailers try to sell the remnants of goods, while people buy products for a decent price and stock up for Christmas. While it sounds like a great time for retailers and clients, some of the more worrisome aspects of Black Friday shopping can get overlooked. Mainly due to overconsumption, uncontrolled spending, and security threats. Our team gathered some expert tips to go through Black Friday and Cyber Monday stress-free. Read on to be ready for your
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Gross salary meaning: differentiating between gross pay and net pay
Managing a business is not only about producing products and making a profit. Mutual respect and trust between employers and their staff are crucial to the company’s success. That’s why a business owner and their salaried employees need to understand the concepts of gross salary (gross pay) and what it consists of. In this article, you will learn more about gross pay and how it differs from net pay. What is a gross salary? Also known as gross pay, gross salary is the term that describes the individual’s total earnings (based on hourly rate, monthly salary, etc.) before any expenses
Money and you
Cryptocurrencies: how they work and their benefits
Cryptocurrency: the basics When you think about money, your first association will likely be physical cash or bank cards. However, times are changing, and more types of payment methods are emerging for people’s convenience. One of the newest additions to the trend is cryptocurrencies — funds that only exist in digital form and operate on decentralized networks. Unlike more traditional payment options, cryptocurrencies are considered more private, as they are generally not regulated by traditional financial institutions. In most cases, they operate based on blockchain technology, like the famous Bitcoin. Cryptocurrencies are stored in digital wallets, the ownership of which