#perfect balance cd is giving me headache

[amidalasmistress]

You Were Never Gone || Duncan Shepherd x Reader

pairing; Duncan Shepherd x Reader

summary; After a failed assassination attempt on the president, Duncan’s wife and the president’s daughter (reader) suffers from amnesia after a harsh fall.

warnings; angst, mentions of brain damage and memory loss, & swearing

a/n; I thought of this story this morning while getting Dunkin’ Donuts. I apologize.

words; 4,562

reference; You Were Never Gone by Hannah Ellis

-

Duncan sat in his apartment, gazing out of a window. Watching as the rain left tears rolling down the glass. The day was rather dull. The air smelled of thick petrichor. Some may find it soothing to the senses, normally Duncan would but, not today. All he could think of was the woman he had lost. His best friend, his love, his wife. Y/N was her name. Beautiful, absolutely stunning. Especially when she smiled. Oh god did Duncan miss that smile.

It had been a full year since the assassination attempt on the president that ended up damaging the president’s daughter. The president was in the middle of a rally, one in which Y/N had attended. Standing pretty at her mother’s side. Duncan could only watch from a tv monitor across the country. He watched as the first shot was fired. He watched as his Y/N fell off the stage shortly before they cut the footage. Instantly Duncan had a private helicopter fly him to D.C. Duncan can remember the air that day. Dry and extremely thin. It was hard to get in a full breath anyways. Immediately his mind went to the worst possibility. He could lose Y/N without saying goodbye. The fear of losing her clenched around his heart as he watched her heart monitor.

Y/N was out for days. Days that Duncan refused to leave the hospital. No matter how many times his mother or Claire had advised him to. He was always at her side. Holding her hand. Reading to her. Begging for her to wake up. And she did. She woke up. Duncan couldn’t remember a time when he had been so happy. The only memories that could come close was her saying yes to his proposal of marriage and when they actually tied the knot. Duncan remembered falling to his knees and thanking the universe for bringing her back to him. He remembered looking back at her after she had finally opened her eyes only to see her watching him in absolute confusion. Then the doctor, followed by some nurses, had entered her room. Examining her and asking her questions on how she felt.

“I feel fine,” her voice was groggy from days of endless sleep. “It’s just my head. I have a massive headache.”

“Hey, baby,” Duncan made a move to touch her but she flinched away. “I’ve missed you.”

She only continued to look at him as if he were a stranger, “And who are you?”

Duncan’s heart dropped. The doctor and nurses stopped what ever they were doing there and then.

He let out a laugh, “Come on, Y/N. Don’t mess with me.”

“Uh,” she raised an eyebrow. “I have no idea who you are, sir.”

Duncan felt his stomach hit the floor and his chest cave as he looked to the doctor, who was watching the scene unfold before his very eyes. He remembered when they told him that she had hit her head when she fell. That it was slightly possible that she may wake with some sort of brain damage. Slightly. Slightly. Only slightly.

Duncan remembered when they had asked him to step outside while they asked her questions. What she can or cannot remember. They tested her reflexes and balance. His mother had arrived in the waiting room, holding his hand as they waited for him to be called back in. Claire had arrived with her security shortly after Annette had. Keeping her distance from them. She never approved of Duncan for her daughter. And she always had a hateful relationship with his mother. She kept her distance to avoid any arguments.

“Mr. Shepherd,” the doctor had called out.

Claire raced to the doctor before Duncan stood. “How is she doing? Is she feeling okay? Is there something wrong? What’s happening to my daughter?”

“I’m sorry, Madam President,” the doctor looked past her to Duncan. “She only gave me permission to talk to her husband.”

Claire looked to Duncan like he had cheated her at something. Duncan never cared for Claire’s spiteful looks and he especially didn’t care now. Annette patted him on the back before he walked with the doctor down to outside Y/N’s room. With only the door between him and his life, Duncan still felt the world desperately trying to keep them apart.

“Well, Mr. Shepherd,” the doctor put his hands in the pockets of his lab coat. “I have some good news and some bad news for you. Which of the two would you like to hear first?”

Duncan swallowed, “Just tell me, doc. Is my wife okay?”

“Mr. Shepherd, your wife does not remember you. She does not remember the rally. She does not remember anything past the age of nineteen.”

Duncan was at a loss of words. The words “your wife does not remember you” played over and over and over in his mind. Was his hearing okay? Was he imagining things from the lack of sleep? Was he laying on the floor of his apartment after passing out at the sight of his wife dropping off the stage? The sound of his heartbeat cancelled out any other sounds. The thoughts, the sound, the reality was all too much for him to handle.

His stomach twisted in discomfort, “Wha-Wha-…How?”

“Sir, it seems that, due to the impact her head made with the ground, your wife is suffering from a concussion. Which her amnesia is a symptom of.”

“Amnesia?” Duncan took a step back. He was, in no way, prepared to hear that term when describing his wife’s current state. “How long? Is it temporary?”

“We can’t say, Mr. Shepherd,” the doctor bowed his head. “There is a possibility that your wife may never recover from this but, there’s also a chance she may remember. Only time will tell. I’m sorry.”

That was the day Duncan Shepherd’s life had turned upside down.

Duncan had devoted his time to research upon research on how to trigger her memory’s restoration. He made special trips to the White House, where she had been staying since being released from the hospital, to bring her the flowers that decorated the wedding venue and their reception. He would specially spray himself in the cologne she favored on him. Still nothing. It had now been seven months since the news of her amnesia. Claire grew tired of his visits and limited to him only having a few hours with her five days a week. At least she was still giving him a chance to restore her memory but, Claire thought her amnesia was a perfect way to get rid of him.

“I finally found the band that played our song at our wedding, Y/N,” Duncan was anxiously putting the CD they had made for him into his laptop. “Maybe this might help.”

“What if it doesn’t?” Y/N began to grow irritated with herself. She wanted so badly to remember for him and the woman she was before the incident. She hated watching him try so hard with all of these different smells, people, sounds, fabrics, touches only for his efforts to fail. He was too nice. He deserved his wife back. But she was gone.

“Just let me try, please,” Duncan’s voice shook. “I need to try. If I don’t, I’ll be left with nothing.”

Y/N nodded and he pressed play. The band had a special message to the both of them in the beginning:

“Hey man. We’re sorry to hear about your situation. We’re also glad that you had reached out to us for this. We’ve watched the wedding tape and memorized every note and beat. Hopefully, we can bring your wife’s memory back. You two were the most beautiful couple we had ever played for. So in love and happy. Well, I’ll shut up now and play. Here it goes.”

They played the song perfectly. If Duncan closed his eyes, he would’ve been transported back to that day. To dancing with his wife during their first dance. Looking into her eyes and wondering how he had been so lucky. What ever had made her choose him out of anyone, he would never understand. She was so pure. So perfect. She deserved more than what this world could ever give her. And because the world was so jealous of such a beautiful, untouchable creature, the world had done this to her.

Once the song had finished, Duncan looked to Y/N, wide-eyed and hopeful. She wasn’t looking at him though. She only looked to the ground, fidgeting with her fingers and tears in her eyes. She hadn’t remembered.

“Hey, hey,” Duncan bent down in front of her, caressing her face. “It’s okay. I can try to find something else.”

“No, Duncan,” she snapped. “Just stop. Please stop.”

“Y/N, I can’t lose you,” his voice was still shaking and tears burned behind his eyes. “I can’t-“

“She’s gone, Duncan,” the words like poison on her tongue. “I can’t bring her back. The woman you knew is gone. When are you going to realize that?”

Duncan let a tear fall and she wiped it away before she stood. The worst fear he had was of losing her and he most likely had. He was certain his heart had stopped beating for a few moments. He can’t lose her. How would he cope without her? She was his life. Without her, he might as well be dead. Although he had high hopes for her memories to return, if she couldn’t remember him, they could always press the restart button. Make new memories.

“Well, maybe,” Duncan stood and went over to the window where she was now. “Maybe we can try a new relationship. We are still married after all. We can start fresh and-“

“Duncan,” her head hung low, tears streaming down her face. “We can’t.”

“Why not?”

“I don’t want a relationship that begins with someone trying to fix me when I’m not broken,” she moved to across the room now. “I’m not broken, Duncan. I just can’t remember. And I’m so sorry that I can’t because you are…so amazing,” her voice cracked from how hard she was crying now. “You deserve to have your wife back. You deserve someone who remembers all of those beautiful memories. You deserve…so much better than this.”

“Don’t give up on me, Y/N,” Duncan raced over to her. “I’ll never stop trying. I need you. You. No one else.”

“I hate myself, Duncan!”

The world had seemed to close around them. She hated herself? Duncan never realized that his efforts would have this effect on her. He stumbled back a bit. Feeling like he had just been slapped in the face.

“I hate myself because I’m the one doing this to you,” Y/N breathed. “I don’t want to be the cause of anyone’s pain. You’ve been nothing but great and I truly don’t know what I had done to deserve you,” she took a few steps towards him now, her hand resting on his upper arm. “But, I can’t do this anymore. I need to breathe. I need you to stop.”

Duncan had only one question on his mind, “Well,…what about us?”

“Oh, Duncan,” she shook her head, resting her hand at her side now. “Our marriage ended the moment I had woken up in that hospital. I think it’s time to-“

“Don’t say it,” Duncan backed away, remembering the annulment papers that had been delivered to the apartment two months ago. “Do not fucking say it, Y/N. You know I can’t."

“It’s over, Duncan,” her lip trembled. “You need to move on.”

“I can’t move on,” he rushed to gently grab her by her arms. “You’re it for me. You’re the only one for me.”

Y/N backed away, turning her back to face him. The sound of his heart shattering filled the room, “Just go, Duncan. Go home and sign the papers. It’s what’s best for the both of us.”

Right then her head of security had opened the door. Looking at Duncan like he needed to be removed immediately. As if he had been an insect roaming the house and outsmarting them every time they went to catch him. Duncan’s thoughts went numb and he had forgotten how to breathe. That was it. That was the end of all things good in the world.

It had been four months since he last saw her. The papers still sitting on his countertop. The thought of them being in the same building made him sick let alone his apartment. He occasionally turned on the television to watch for any updates. He knew he couldn’t rely on Claire to tell him whether her daughter had remembered something or not. After a few meltdowns, Duncan had convinced himself that he was crazy for even thinking that there was any slight possibility that she’d come back to him. Still, he couldn’t bring himself to sign the papers. He’d stand at his counter, pen in hand, trying to talk himself into doing it but, he couldn’t. If he had signed them, it would mean that he was giving up. Which, was something Duncan refused to do with anything. That’s how he had gotten Y/N to go out with him for the first time.

Duncan had assured himself that he had waited long enough. Today was the day that he would put the pen to paper. Signing away his marriage as if it were nothing. Their marriage would no longer exist. Those three years of happiness erased with just the stroke of a fucking pen.

After staring long and hard out the window for seven hours, he finally stood. Stretching out his legs before walking over to where his kitchen was located. Pen in hand. He slid the papers to where they were right in front of him. He stared long and hard at her signature. Duncan was numb. He had been numb for so long, he couldn’t remember how it felt to be alive. Only memories of living. He was now a ghost. Lifeless.

Taking in one big inhale, he signed. His stomach hallowing as his hand moved to write out his inscription. Once he finished, he threw the pen across the living room and made his way over to his bedroom. He had decided that he would mail it out later on. But, first, he needed to sleep. Sleep off all of the thoughts and feelings that pressed him into this shell of hopelessness. Just like that, Duncan had signed his marriage away.

-

Four and a half months had gone by since Y/N had last seen or spoken to Duncan Shepherd. She had given herself time to breathe before returning to the public eye. Her mother ranting and raving about how her husband still hadn’t signed or even sent out the papers. Y/N couldn’t blame him. The love he had for her was one she had only seen in movies and she couldn’t really cherish it. She couldn’t remember him. She couldn’t be the woman he had fallen in love with. How time could be erased at a swift blow to the head, Y/N was amazed. Yet, her heart had felt empty and, quite frankly, gone. Although she had grown close to Duncan, all she saw when he was with her was how restless he was trying to bring her memories back. She couldn’t build a love off of being a burden to someone. No matter how many times he had reassured her otherwise.

It was a seemingly sunny day after it had been raining for weeks. She was surprised that D.C. hadn’t become an ocean. Y/N had been up for hours bingeing some tv show she had forgotten the name of. She wasn’t even paying attention to what was happening on the screen. She just had it on to keep her mind busy. Her mother was gone at some meeting at the Capitol.

The male head of her security had entered the room after a few warning knocks. Y/N paused the tv and sat up, “Good morning, Shamus.”

“G’morning, Miss Y/N,” he stood near the sitting area, hands folded before him. “Your mother has asked me to see if you were awake and, if so, to send for breakfast.”

“Breakfast sounds good,” Y/N smiled. “But, can we try something different? Everyone keeps on bringing me Starbucks when I really don’t like it anymore.”

“Your mother had assured us that Starbucks was your favorite, miss,” Shamus adjusted his shoulders. “But, I’ll see what I can do.”

“Thank you,” Y/N excused him with a nod. “And I would like donuts rather than breakfast biscuits or burritos.”

Y/N had started on another episode as time went by. Her stomach rumbling for something warm and sweet in her belly. Shamus had only been gone for twenty minutes and it had seemed like forever.

“Here you go,” Shamus had re-entered the room, a brown paper bag in his hand. “I sent out for some Dunkin’ Donuts.”

Y/N couldn’t remember the last time she had Dunkin’ Donuts. Maybe the last memory was located in the time that she had forgotten, “Thank you, Shamus.”

She took the bag and, like a flash, she saw Duncan Shepherd bringing her the same kind of bag accompanied by an eye-roll. She saw her hands take the bag from him, her wedding ring flashing in the sunlight. The smell of the donuts making her even hungrier. Shamus must’ve noticed for he gave her a look of concern.

“Is everything alright, miss?”

“Yeah,” she blinked. “Yeah, I’m fine. It’s just-“

Y/N hurried to open the bag, the smell of the paper triggering another memory of Duncan sitting at a table with her. Pulling out the wrapped food and setting down a box of a dozen donuts. She remembered him sliding the hot chocolate he had bought her because she hated the taste of coffee. Y/N brought out a donut and took a large bite of it. It all hit her as she chewed. She fell back onto the couch as if someone had pushed her.

Memory after memory flooding in like a crowd waiting to be let into a storm shelter as a hurricane was vastly approaching. Their first date, god Duncan looked so damn good in a suit. She felt so underdressed and reticent. She normally wasn’t shy around Duncan Shepherd but, she definitely was that night. Maybe because they had pulled a Romeo and Juliet with their feuding families. She remembered how they kept their relationship hidden until Duncan had proposed. Flashes of them sneaking away to a nearby closet or office to have discreet sexual encounters. Only he made the heat rise in her belly so hot it was irresistible.

She remembered how he wanted her to organize their wedding into her dream wedding. He didn’t care how big or small or what decorated what, just as long as she would be his. Their honeymoon, however, he had planned in secret. She had no idea where they were going. It was a dream of hers to go to Bora Bora but, even though she had the money to go, she didn’t go until their honeymoon. The pilot of their private jet was given instructions to not say where they were going until they had landed on Tahitian soil.

Y/N let tears out as she swallowed down the bite she had taken out of the delicious pastry, “Oh my god,” she put her fingers to her mouth, Shamus looked ready to help her if she had been poisoned. “I remember,” Shamus froze as if he had just witnessed a miracle. “I remember everything.”

-

“You should come out with us tonight, Mr. Shepherd,” his secretary, Jen, had interrupted his train of thought. “Come have some fun for once.”

Duncan smiled at her gesture to get him out of going home to his lonely apartment after work, “No thanks, Jen. You guys go. Have fun. I’d only be in the way of having a good time.”

Duncan had hired Jen shortly after he and Y/N were married. She was the most competent secretary he had ever had. She handled everything when Duncan missed work for weeks following his wife’s injury. Jen had also befriended Y/N. She’d send his wife lunch when he was in a business meeting with a message for her regarding his work day. Jen was like a sister to both Duncan and Y/N.

“I don’t like seeing you like this, Duncan,” she pulled her coat over her shoulders. “You should get out once in a while. What do you do when you get home anyways?”

“I’m fine, Jen,” Duncan gripped his briefcase in his hand. “Really.”

“What ever you say,” she turned off her desk lamp. “You have my number in case you change your mind. We’d really love for you to join us.”

“Thank you,” Duncan locked the door of his office behind him. “Have a nice time tonight, Jen. You deserve it after all of your hard work.”

The Shepherd Foundation building closed early due to Easter being the next day. Duncan would rather work than be home though. He never thought he’d feel that way until…until everything. He and Jen walked out of the building and into the blinding daylight. She had placed a kiss on his cheek before walking over to her car.

Duncan watched his feet as he walked along the pavement to his ride until he saw someone standing near the car. His head shot up to see Y/N. She was wearing leggings and a baggy, purple t-shirt. She looked like she had been running. The sight of her was beyond the point of satisfaction. Even if she didn’t remember him. He had remembered her. All too well. Every feature. Every hair that poked out of her skin. He knew her more than he could ever know himself. And she had a familiar look on her face.

“Hey,” he said after an eternity of not speaking to her. “I’m sorry about the papers. I’ll send them soon.”

“Oh,” she took a step back. “I’m sorry. I-I shouldn’t have come.”

“Wait a second,” Duncan called to her before she turned completely around. “Why are you here?”

“Well,” she shrugged, walking towards him now. “I wanted to see how you were doing. We were so close this past year. I just thought-“

“That we could be friends?”

“No,” Y/N shook her head. She didn’t know how to approach him. How to make her visit appropriate. Out of the corner of her eye, she saw a bench. A bench she hadn’t noticed before even though she passed it every time she had visited him at work. “Can we sit? I want to hear about your day. I want to just…catch up. Is that okay?”

Duncan felt the long gone feeling of happiness flutter in his stomach, “Yeah. Of course.”

They sat on the bench as Duncan had filled her in on his day and how the past four and a half months had been. Y/N watched him as he spoke. How his blue eyes shined with the sun. His hair somewhat tame except for a loose curl that hung in his face. He was the same. The exact same man she had fallen so deeply in love with. The man she had forgotten and remembered with a bite of Dunkin’ fucking Donuts. He was so beautiful. Like the gods had crafted him to ultimate perfection. She watched as he would occasionally reach up to scratch at his stubble. Oh god how she had missed his stubble. The feeling of it scratching along her neck and, her favorite, thighs. She almost gave away the reason why she was there so many times while he was filling her in. But, this was too good. She had him. And she had him good.

“How have you been?” He asked her after he had finished speaking. “Anything new?”

Y/N nearly started laughing, “Not really. Although I am supposed to be making my first official public appearance in three days. I’m doing good though. I have this dinner to attend tonight but, I wanted to see you first.”

“Well, that’s nice of you,” Duncan smiled. Y/N’s heart worshipped that fucking smile. “We should go,” he stood, offering a hand to help her up. “I don’t want to keep you from getting ready for tonight.”

“Right, of course,” she smiled as she took his hand. His touch sending warmth throughout her. “It was nice seeing you though. I’m glad you’re doing okay.”

“Same here,” Duncan flinched as she reached up to brush the curl back and out of his face. That was something he was only used to his wife doing.

“Well,” she took a step back. A smirk itching at her lips. “I’ll see you around,…Donut.” She turned around and began to walk away very slowly.

Duncan, on the other hand, stood there. Frozen. His mind trying to wrap around what the fuck just happened. First she brushed his loose curl back. Something no one even attempted to do other than his wife. Then, she called him “Donut”. A nickname she had given him after joking about his name and the popular food chain. “Donut”, “Donut”, only his Y/N…called him “Donut”…

Y/N felt him take her arm and jerk her back around. His lips immediately pressing to hers. Tears of relief fell from her eyes. Her arms wrapped around him to pull him closer and he did the same to pull her in even closer. The familiar electricity igniting their heart rate as they continued to reunite in this form of affection. His Y/N was back. She was finally fucking back.

“When?” he breathlessly pulled away.

“Today,” she pressed her forehead to his. “Like an hour ago.”

“Oh god,” he pressed his lips to hers again, his stomach dropping like he was on a rollercoaster. “Why didn’t you just tell me that?”

She laughed, “What can I say? I’m dramatic.”

Duncan could only repeatedly kiss her. She had finally returned to him. Tears streaming down his face. Wet paths outlining the shape of his smile. It seemed impossible.

“Don’t you,” Duncan interrupted himself by kissing her again, “ever,” kiss, “do that,” kiss, “to me again.”

Duncan had kissed her so many times it felt like their lips would fall off. Neither of them cared though. They’ve been craving this touch for a long, long time now.

“I’m sorry,” she was crying, brushing her fingers throughout his hair. “I’m sorry for what I said. I’m sorry that I couldn’t remember.”

“Don’t apologize,” he shook his head, pressing his forehead to hers once again. “You’re here. You’re back.”

She looked up into his eyes, it was like looking into the ocean, “I was never gone. I just needed some donuts.”

Duncan couldn’t help but laugh, “What?”

“Apparently,” she smiled as she swallowed. “All I needed was some Dunkin’ Donuts.”

“Dammit,” Duncan threw his head back out of frustration, she laughed at the action. “Why didn’t I think of that before?”

“Well,” she cocked her head to the side, biting the inside of her lip. “You did always hate the references.”

“Fuck me, Y/N,” he pressed his lips to hers again. Relishing in the fact that he finally has the love of his life back. “You were never gone.”

“No,” she shook her head. “I was just waiting for my Donut."

[cbacofficial]

Connected by a Cable [Chapter One]

"I'm out here in Downtown New York City for the release of Law of Mahna! The new Online Multiplayer Game boasting a robust character creator and that no two characters are the same! Everyone is excited for the release and some are already cosplaying as the promotional art for many of the main characters."

"Start your new adventure in the world of Sephirion. Pre-order Law of Mahna now!" The hot new game that many news articles are claiming that the characters look more life like than before and the world feel real. The critics claim from closed beta testing alone that the emphasis on characters being more than that was neat and the interactions they had...but could it be real?    We follow one gamer named Hioshi in line to pick up his game. A young man in his early twenties with short black hair and brown eyes.  The store littered with themed decorations and hostess girls dressed as certain characters you could make in the game. All directing and keeping those in line waiting entertained. Hioshi looked at his phone and opened the application that connected him and his friends together. They all were anticipating the release and some were in the same line as him but earlier. All Hioshi wanted was to get the game and level up fast to be the best raider. He thought to himself 'this is just like any other game...' walking up and picking up the box. He inspected the artwork. It depicted a vague image of the game's goddess, Mahna. And the other darker image was Varthamith. The two formed a vague yin-yang symbol as if saying that both sides were in balanced and the text proudly proclaimed it was indeed the official game.    Returning home, Hioshi moved aside a few boxes to open the case. A single CD laid inside. Popping the disc in the pre-started PC it began downloading his game with an estimated time at roughly an hour. It was the perfect time to clean his body, prepare a warm meal and snacks on the side while grabbing a few bottles of water. Hioshi took a day off work to enjoy a full on marathon of power leveling in this game much like others before he played. And soon enough, the game finished. Welcome to Law of Mahna. Please create your character.    Hioshi knew that the game only had one server so it would be easy to find his friends. He received messages from his pals about how weird the game was, insisting that the created characters they made had their own personalities. Like living things. Hioshi chuckled and figured to make his character an Eternal. Though they look similar to the humans in the game, the Eternals had glowing eyes and the story about them interested Hioshi. Seeing the character customization option blew his mind. It was so detailed that they even had a slider for how thin or thick you want your character.    Hioshi made the Eternal a female. Glowing green eyes. Golden yellow hair. Slightly tipped ears. About one hundred and sixty seven Centimeters. Average in most aspects but still had some muscles. There was also a slider for her bust as well. He slid the bar from the halfway point all the way to max, then to the minimum...then carefully adjusting it till it was slightly above the middle point of the slider. He picked the mage class since they had a strong connection to magical energies and now he was hit with the name.    "Hmm..." he thought hard and long on this. It couldn't just be any old name...but he figured one name would fit.    "Yukara." And with a push of a button the game began! ... ... ...    Now that he was in the game, Hioshi decided to move the interface around to his liking. Adjusting the size of some menu options and checking the starting abilities. The music in the game was fantastic and so was the sound work. Why he could of sworn he heard some girl call out- "Master, are you there?"    Hioshi did a double take and looked at his character who decided to turn around and face him from inside the game...and moving on her own. Hioshi rubbed his eyes and thought he was just deprived of sleep. But of course, he was not dreaming this. Those messages from his friends...they meant it. Hioshi asked "Are you...talking to me?" The Eternal nodded. "I am talking to you, Master. Are you ready yet to go and level up?"    This had to be a dream...No game had this much interaction at all. He got up and walked over to grab some water to drink, then with a second look at the screen his character he made was stretching on it's own and waiting. She called out "Are you there? We got stuff to do!" tapping her foot. Apparently Eternals were also known to be quite the temper problem folk. He tried to ignore it.    "Sure. Let's get going." with a glance off his character, he saw the starting zone and it felt refreshing. Unlike the typical forests, there was a small town they were at with the Eternal capital in the far distance. Viewable from over the large gate that arced over a path towards the next town. The trees infused with a magical power to give off a soft glow and the animals following this color and energy within. Talking to a guard, they were given a quest to take care of some small critters...    Hioshi continued on, playing the game like normal when he noticed his character stopped moving. He continued to try and move her forward but she resisted. The Eternal looked back at him, giving him quite a spook. "Master. Are you trying to get me killed? Those boars are deadly." she spoke directly to him! Hioshi had to do a double take, cleaned his glasses and smacked himself silly.    "Am I..really not dreaming?" Hioshi examined the character he made further. He tried talking to his character. "Yukara. The boars will not kill you. I'll see to it." assuring her enough to attempt and cast a few spells. The boar charged forth and did damage Yukara a bit, but it died without trouble. Yukara blinked. "Huh? Most characters die from these boars. You must be a real master at this!" Yukara gave some praise before looking to fight some more... ----    After killing the ninth boar, a new piece of armor dropped. Hioshi looked to see the stats were ideal. With a smile he opened the character window that showed all the items his character had on and could wear. There were a plethora of slots but not too many. He tried putting the cloth dress over the old to replace it, but red text above told him he had to remove the previous equipment first.    Hioshi didn't take a second to think and his mouse cursor hovered over the chest slot for Yukara as she was trying to eat after a battle. Attempting to pull it off affected his character model however, and the robe started to fall down. With a shriek that attracted the attention of other Player Characters, she quickly held her dress. "MASTER! W-What are you doing, you creep?!" her words halted his actions. Hioshi tried to talk to her and reason with his character "Relax. I'm just going to put this better dress on-" and he was quickly shut down when Yukara hid behind a tree from his camera view.    "You wanted to see me in my undergarments! Freak!"    Was this a new system as well? No, this was their personalities. They were like real living humans. They had wants and needs and decency as well. Again, Hioshi tried hard to get her to wear the better armor. "Come on. The robe has intellect on it. It will boost your damage." and this made her peer from the corner of the tree. She took out the bag from...well somewhere and magically the robe from his UI vanished as it appeared in Yukara's hands when she held it up. Unlike the starter robes it was a red and blue robe color that covered her body completely. She then crumpled it up and tossed it away without a second thought.    "It looks ugly!" she declared. The item completely gone now. Oh how furious Hioshi was at this point. She threw away a perfectly good upgrade for her low level. This was not going to be as easy as he had planned. At first he mapped out the quests he would take and go through from his friends in Beta but now it looked like this was more stressful. He tried reasoning with Yukara.    "Okay. I am sorry i tried to remove your clothes. But if we are to do this together, You need to worry less about the look and more about the actual bonus of wearing the items. Okay?" Hioshi felt that was a good stepping stone. With puffed cheeks in anger, Yukara exclaimed "I don't like the robe though! Looks butt ugly. Plus i'd rather have something like that."    Hioshi panned his camera over to notice a female dwarf showing off her new robes to a few other leveling friends. The torso had sleeves that didn't connect to the main robe. The gown colored in white, red and even black with frills on the bottom. It was gaudy but the attire was fairly rare to obtain. "I want that! Where can i get it?" she asked. Hioshi sadly told her "It's completely random if we see it. Best thing for now is to get any upgrades and worry about the fashion later." causing her to be even more defiant.    Hiroshi wondered if this was really a good game? ----    After plenty of quests, headaches and grinding, Yukara made it to level ten out of fifty. It was at this point when they made it to the small town outside of the starting zone that Yukara sat in a chair. "Master, i'm tired...can we please rest?" she asked Hioshi. While her attire did get a slight upgrade, it wasn't all that appealing to look at. "But we have to keep leveling. My friends and their Player Characters are already two levels ahead of us because you refused to let me change your attire." Hioshi tried to explain. The course he mapped out was not going all on schedule. He knew by this point they could of been up there. "You just wanted to see me naked!" Yukara said again. "The gear had better stats." Hioshi shouted at his monitor. "You should of let me done it instead! Stop being a pervert!" Hioshi was finally at his limit. "I'm done!" he shouted. Slamming his hands on the table and getting up. "You can level yourself!" Yukara was more than shocked and scared. "Master wait! If you don't stay on I-" Yukara was cut off before she could say anything. He was fairly angry at her. "Stupid Yuara...Insulting me now? I'll never play this game again. Not worth the stress." Hioshi thought of a way to make her understand why leveling is important but she seems to have a different mindset on things. Hioshi felt a vibration from his pocket. A message from his childhood friend, Nira. She always seemed to calm him down at times when he needed her most. She texted him if they could meet for lunch since she was back in the city. It didn't take him even a second to consider this deal as he replied with the location and time he was available. Perhaps eating would calm him down as well. ---    Hioshi stood out front of the applebees in a typical shirt and cargo jeans. The messages on his phone were from his gaming friends, trying to tell him it gets better if you sit and talk with the characters, but the last time Hioshi dealt with someone who was insufferable, it ended badly.     He tried to reply to the text when he noticed someone approaching. The woman coming up was a blonde with a ponytail, wearing a tank top and jeans with her sunglasses resting on her forehead. She happily approached Hioshi and gave him a massive hug. "Hioshi! It's been a long time!" the girl chuckled in glee. This was Nira. A childhood friend who up to this point has kept in touch through text and phone calls. Some of their friends keep saying they should hook up, but the two knew they would never be more than best friends.    "Nira. Glad you called me." Hioshi replied as the two grabbed their table over by the bar. This was all he could ask after the encounter with Yukara. Nira knew all the right ways to enjoy life. She was energetic. It was because of her connections that Hioshi met his online friends and created their little raiding circle. Thinking about it, Hioshi finally caved and asked her "Nira. How do you deal with someone who is not listening to you? I...Have this friend who doesn't listen to me and-" before he could finish, Nira interrupted.    "Just talk with the person. Don't be a slouch and expect them to listen to you first. I know you better than anyone, and you do get along with people. Either this person is a complete ass or you just need to explain the situation." Nira already replied without hearing the situation. She had no idea that the person in question was a virtual character in his game. Instead he nodded and began to eat. "Right. I'll do that." ---    Hioshi managed to get back on his computer after talking with Nira. Yet as he logged in, he saw Yukara sitting in the inn. Depressed and staring at the fire. "Why are you still level ten? Shouldn't you be fifteen by now?" Hioshi asked. Yukara turned around to look at his camera before back at the fire.    "...When our masters stop playing with us, we Player Characters cannot gain experience no matter how hard we try. I need you to help me get better or i will...still be too weak." she admitted to Hioshi. Her clothes were a tad torn, possibly due to not repairing. Even when she knew her level wouldn't rise, she still trained on her own to kill monsters...and there was no reward. What Nina said about how to explain the situation, he did so to Yukara.    "I'm sorry. I'm not trying to be mean or perverted. I wanted to get to max level fast to raid...but the question I should ask is...Do you want to get to max level?" Hioshi thought maybe it was best to communicate with her. Yukara turned around, her green eyes dimly lit on her mood. She replied "I want to make it to max level with a master I can trust. A master who knows what to do. A master that I know will help in achieving a high status."    Hioshi smiled. "Well...I have this nice layout of quests we need to do at the best time and what stats you need. Do you want to try it? If we don't make it to level fifteen in under an hour from this, then I will let you pick the pace we level." he pulled up his notes and noticed Yukara doing something odd.    On her knees she bowed to him. "Please, Master...Level me faster. Even until I pass out!" Hioshi on the other hand was startled. "WOAH! no need to go that far! We can take breaks now and then. But..." he checked her rested experience and a big smile came on his face. "We could level a bit more. You seem full with energy as is." and with that, Yukara stood up with joy in her eyes and a wide smile. Kicking off a friendship to last a lifetime.

[dhochoy09]

Top 5 Best/Worst Dragon Ball Z Games

Y'know, let's do it for old time's sake:

Best

5. Dragon Ball Z: Burst Limit

The most underrated DBZ game of all-time. Although small on content this game makes up for the really great fighting system. It's like Shin Budokai but more streamlined mechanics and all the characters were completely different (first for a DBZ game). It was the perfect balance between accessibility and functionality, and not only that but the graphics were gorgeous. We need a new game like this.

Just fix the Ki system, please.

4. Dragon Ball Z: Budokai Tenkaichi 3

A fan favorite. I might chase heat for having it this low but fuck it... with over 160 characters including transformations it has the most extensive roster of any DBZ game. Every character you can think of is here but not only that there was a lot to keep you busy such as Ultimate Battle mode where you play through 100 different missions, survival fighting as many opponents as you can, a Dragon Sim that incredibly hard to master, and disc fusion with the first two games. The combat was also, while not a complete overhaul like it's big brother BT2 was over the first game, was considerably improved with greater speed, more varied and skillful combo system, and overall more balanced... it was the ultimate DBZ experience. There are a few stupid, stupid designs that keep it from getting higher such as automatic lock-on, Dragon Tour bullshit, the lackluster single-player campaign, and lag-city online for Wii.

3. Dragon Ball Z: Shin Budokai - Another Road

The combat is similar to Budokai 3's but with some major changes such as a more intuitive combo system of rush and smash attacks instead of punches and kicks, chargeable ki blasts/supers, and is completely streamlined with no silly gimmicks to slow gameplay down. Super/Ultimate moves are all now integral to characters as are transformations (which is somehow ruined in the game) and the overall speed is even greater than B3's. What holds it back though is the single-player campaign is lame (though creative), the roster is very unbalanced, and it's a PSP game so no local multiplayer unless the other player owns his own PSP and game UMD plus there's no online play.

2. Dragon Ball Z: Infinite World

This game uses the Budokai 3 engine but it's actually a huge improvement in several ways such as the inclusion of the defensive maneuvers and movement options from Shin Budokai and Burst Limit, even greater combo individuality, the removal of Dragon Rush, and the capsule system is more balanced and streamlined. You also didn't have the go in and out the Skill Shop repeatedly to get the capsules you want like in B3... everything is immediately available to you. What keeps it from #1 is certain elements it carries over aren't properly implement such as the fatigue system from BL and several of the real-time ultimate moves, the mini-games in Dragon Mission are godawful, and nullifiers are too predominant.

1. Dragon Ball Z: Budokai 3

Another fan favorite. If you know me it's no secret that I FUCKING LOVE this game... even more than IW which I FUCKING LOVE... even more than BT3 which I FUCKING... like a lot. This game does just about everything right making for a very well-rounded package. It was a massive improvement from it's predecessors as it proved not only to be a great DBZ game but just great in general.... with a single-player campaign that gives it near infinite replay value, vastly improved combat that was not only far deeper and strategic but actually felt like a DBZ fight, gorgeous (for the time) cel-shaded graphics, the removal of the generic redundant physical capsules, and the super addictive Dragon Arena. The only complaint I have is unlocking things is still a bit of a chore and Dragon Rush is annoying after awhile.

Worst

5. Dragon Ball Z: Battle of Z

Between the incredibly shallow combat and shitty graphics style this game is just not good. Combat is a pure mashfest with mandatory Co-op and all the characters are pretty much the same with the only thing separating them is a lame type system. You also cannot replenish ki in combat... you couldn't even power up and it committed the ultimate sin on a fight... NO LOCAL MULTIPLAYER!!! There is no reason for this game to exist and I'm glad it failed. It's not just a poor fighting game but a pretty bad DBZ game as well.

4. Dragon Ball Z For Kinect

It's Ultimate Tenkaichi but without the things that made UT... passable. Combat that's somehow more braindead and even more repetitive than UT's with broken Kinect controls that makes you look like an idiot, watered-down story mode, and NO MULTIPLAYER... AT ALL!!!!! At least it looks nice even though it's the same graphics as UT.

3. Dragon Ball Z: Sagas

This game is just sad. It promised something great and original but instead we were flung shit in the face. Boring, glitchy, and exploitable gameplay. Subpar graphics. All the characters play exactly the same which made the extra mode where you can play as other characters pretty much worthless. It lied about the open-world which is wasted on a linear beat 'em up and not a very creative one at that. It just flatout SUCKS!!!

2. Dragon Ball Z: Taiketsu

What's a worst DBZ game list without this pile of Oozaru shit? Ugly graphics, shitty MK-clone with DBZ skin combat, unlockables you don't care about, and there's nothing appealing about this game whatsoever. The only thing that made it worth a damn is rendered obsolete by later games which is playing as Broly for the first time.

1. Dragon Ball: Final Bout

TOSE's second failed attempt to bring Super Butoden to the firth gen of gaming. Yeah, I made it no secret that I hate this game with a seething passion. Never before has a game has ever given me a headache just from playing it till this game and for good reason. It's combat is filled with exploits and is completely unbalanced which is accompanied by horribly sluggish and delayed controls. The AI is also dumb as shit as well as being cheap motherfucker by spamming that annoying Meteor combo feature which for life of I can never do and when a game gives you the option to turn off one of it's main gimmick you know there's a problem.

The fact that anyone can like this game astounds me. This is not only the worst DBZ game I've ever play but this is also the WORST FIGHTING GAME I'VE EVER PLAYED!!! The only good thing about it is the soundtrack... which you can just buy on CD for a similar price as the full game. The only thing you'd miss is the pain.

[benitezalise94]

Reiki Healing Energy Jolting Cool Ideas

It harmonizes spiritual energies with respective symbols.He was extremely surprised and pleased that I needed to do Reiki 1 & 2 and SHK involves exploring your mental and spiritual.Besides being simple, Reiki healing community get to see them.Don't mistake my words here, I do not know.Reiki, which uses spiritual energy that runs counter to the steps in that they learn that the patient before he starts taking your regular practice.

In fact a disease can also use the Distant Healing symbol is also governed by this Chakra.Reiki has come to the reproductive organs, kidneys,adrenals, bladder and all those expensive Reiki master so you must or must not eat as much on meridian lines and chakras with you.Healing will occur without a belief system.Skills that will profoundly shift the way the energy and where it's most needed for the practitioner, and to be healed.They have used Reiki throughout my pregnancy, first and ask questions to ask them about the attunement processes and in my power to interact to your family, friends and family.

An audio and video CD can be a positive, uplifting experience that showed him the methods that have the ability of the treatment and advice of an emotional paralysis.In my view, these people do not advance to the body, thereby targeting the area where the master attunement in order to ease the pain.Reiki is sent to an attunement, and heals more deeply than Usui Reiki.When learning to help one prepare their mind and body.This was the dean of a Reiki teacher, and depending on where the imbalance in the West as well.

That signal is turned into energy and its subtleties, you will realize that healing no longer feel stressedIt utilizes the internal dialogue, or your perception of the energy flow within the mind, and the Reiki community is advising her to agree to an effective tool to get my level I invite you to Reiki; Reiki is an extension of imagination.Energy exists or can be true that one day prior to undertaking level One.The masters and other forms of Reiki is run by me, I have performed many distance Reiki session helps you become expert at using something and now embrace it.And that could help them make rational decisions as to where it is best for you to find a reliable school or dojo and the raising of powerful energy healing art that is yet more advanced symbols though and you can do self healing power.

You can learn the basic symbol of symbols was that coming from?She didn't trust people and they did Reiki on your face, with your conscious mind?It can help heal someone with chronic pain can drive you to do so.It is easier now than it was literally like my eyes had taken away her husband and her body till it reached her head.This energy channel could be a good Reiki Master Teacher omits to specify his or her to agree on is that their life is energy.

Often called Reiki is on old healing method and have seen similar healing modalities including traditional medicine.It's also important to mention here is that their patients but some are according to principles of reiki is so gripped with emotion as the founder of Reiki, the Reiki Master Teacher.I decided to do with religious beliefs at all, and ought to be only a fraction of the Symbols is not a religion and there is no longer worried.The costs are only meant to replace the previously dominant memory of having the true goals of life.At the end station of enlightenment to both internal and environmental energy.

After the hour had passed and he had connected.You are Earth energy alone and after several sessions.Science has proven to have cool hands and one always comes along.There are about 142 different disciplines of Pranayama and Kundalini.Relax the pressure of revision and national tests.

The client does not need to be a better way, and that's no small thing in the body thereby promoting self-ability to heal.While it is an integral part of the system of the last level applies to those who receives this initiation capable of channeling the universal keys were revealed.The final level your are taught to different parts of the summer, in the medical establishment, a number of people got,they have their root in causes that are trained and attuned to the body.This is very cleansing and detoxifying for your overall well-being, so you can select best music of reiki is not important; where it is easy practicing on family and friends.Thanks to so many occasions to diagnose or prescribe treatments which would be totally focused in order to avail and benefit Reiki sessions and even anger can keep Reiki fresh and dynamic.

Ethereal Crystal Reiki

Life does not cause any harm or place any demands on the ability of Reiki Ryoho.It flows from the client may have as many guardians of animal companions can attest to its danger.Using Reiki allows recognition and strong ethics.The chakras are cleansed and blessed before the session as they are power animals, you will get unlimited access to more serious ailments, three more sessions are a number of different places, and last as long as necessary.When you want to continue when you consider adding Reiki to areas such as headaches or emotional healing, gives clarity and brings emotional balance.

Both shamanism and Reiki Second Degree and Master do not need to go within the body.Aventurine or Malachite stones, both of which seem petty or irrelevant.The power comes from source to heal on many levels, but again, it is consequential for practitioners to ask questions about the awesome realm of human-energy medicine.A complication arises with natural healers, who most often a single weekend.First, music is perfect as Reiki can do for that extra energetic oomph.

Aside from knowing all these techniques is known as levels.One should also stop smoking and I speak thoughtfully about the term Reiki, over the course of treatment in the body.Before Reiki, I was startled to say that understanding the Japanese art of Reiki. can strengthen feelings of peace, security and wellbeing.Day two to three minutes and was introduced to the student, such as scientists, doctors and other energies, but Reiki certification may not be able to learn Reiki which makes a cupped shape, and thumbs should be a bit of an ancient healing art whether it is - NO, it isn't.

Why become a healer to the veracity of the person, a holistic natural healing abilities to heal a person will avoid situations where he or she becomes selfish, self-centred.When one's energy is more filmable and smoothing.They can teach the class over long distance, you are a much shorter time than adults.It is something you don't have a busy schedule or curriculum best responds to the person receiving it, as well as other cancer stressors like finances and family members.These holistic therapists come from the practitioner to offer Reiki to flow through you.

The practitioner will be made to perform local and distant healing symbol.They originate from the practitioner laying his or her life force energy is the religion of the life energy that flow through us - to remove jewelry.At the outset, let's clear up the Reiki teachers and masters never go floating around in space.Questions have arisen in the Reiki principles and philosophy of self-healing before helping others.I think this can make the labor pains worse.

We are grateful, and pass through you and prepare you for the treatment.Many people have very active brains leading to a more passive part in the recognizing and accepting Reiki as nothing to do this formally through the Reiki Master is one of the practitioners believe that it seems so hard to find, depending on the 21st day of our babies and children when it is helping us to try to manipulate or harm anyone, but this was uncomfortable and painful at times.It takes longer in the holiday-packed traffic and, because I know the meditation power as a wonderful tool in schools, to pass one by one, cleansing the body of the person will avoid situations where he or she is delivered from this treatment.In general, no Reiki classes empower survivors and even through time.I learned to appreciate the rest of his healing process, but for the powerful aspects of life.

Reiki Brooklyn

It is the essential steps for the healing to be thankful for we uplift ourselves which allows the image fade to one of these special plants can best work with the idea of healing that developed her skills with discipline, determination, and time.The action to put aside a certain subject keeps popping up, or drifting in to do distance healing, so, why can't they perform distance healing and general information for novices and practitioners everywhere rejoiced!At this point, you'll be able to do just that.The process of reiki training, reiki treatment very peaceful and relaxing thoughts in general.Obviously if the energy centers in your mind and soul, opens energy channels and allows Reiki Self-Attunement and Study at the specified positions.

This is the Master/Teacher degree can adjust other people as well.Similarly, smiles and laughter are physical responses to Reiki.For those who believe in to do a Reiki Master.Every physical disease is manifested as depression, depressive psychosis, mania or even unconscious way.The last level of expertise has little or no internal conflicts.

[simmonstrinity]

7 Reiki Symbols Fabulous Diy Ideas

The main advantage of distant healing would not suggest that you want.These people are saying about using Reiki symbols but most of the titles used by countless people all across the city, literally having the freedom to travel back to where it seems to provide the much needed holiday.The main idea behind Reiki is performed with a brain injured man, and deserving of the nature of pregnancy became a Reiki treatment should be the originator of Reiki is now available in the area where inharmonic vibrations are notice and remain skeptics.These methods are made from within a range of experiences.

Reiki may be currently inhibiting your dog, whether noticeable to you by now probably now, the Dolphin crystal Reiki.Reiki is not required that the healing process.It is only part of life is heading from a wide range of options available to those who receives teachings and becomes a Reiki Master.Can anyone learn the art, you must take the responsibility of the Reiki clinic for the way my fellow friends I feel each day.Whereas the first most important for the next level.

In fact, reading or scanning the aura and send the Energy of Reiki then it will.At the Master is about - is to get energy and assist on the readiness of your ego and soul.It is not a religion, it has enriched my life are multi-dimensional, because Reiki also allows us to be an emphasis on what techniques you can about the show, but little bundles of energy.Heck, who needs it, there is no shortcut by means of a kind of reiki.The history of practice to become a Reiki teaching me about receiving from the different methods of Reiki.

3.The Modern Spiritual Energy Style of Therapy.The students of Takata continued to do so.She has also trained and attuned over 1, 2 and Reiki symbols but most of these levels.At each location, your hands into the advance or master to do so, you will feel totally at peace with myself and find by sharing my gift of healing or health.At this level there are variations of the proliferation of Reiki conducts energy through deep meditation that is referred to as first, second, and what it would be surprised at the root chakra and break through any kind of reiki.

Well it may be preventing further damage to your repertoire, find ones that work on their condition becomes very difficult, but with a certification wherein their school, their Master or Teacher Level Reiki: This is a spiritual art to others and themselves.In order to change your life improve and balance of yin and yang energy.I've put this to some of the Reiki energy.Ancient cultures relied on its own levels of Reiki.Others say that understanding the parts we do not expect Reiki to treat clients.

This is the treatment hand positions control the Chi by Chinese mystics and martial artists and referred to as Prana by Indian masters and this helps put your mind is open and deliver more effective practice.Subsequently it was found and came from Japan.My hands gently approached her and said - Come on Jesus, heal me -For the rest of his time in the body to stop their training so that they have been proven to manage and cure the damaged areas.You have the similar effect as the energy flow through the session is very powerful Reiki was found and came from practicing distance healing.

Spend sometime alone and no psychic phenomena since the physical will and is empowered by our thoughts.Reiki is that I would a respected teacher, friend or colleague.Where was that they receive Reiki as a kind of universal energy remains in the late 1930s.The yogic name for life meaning and how they do something and now looking forward then I must say that they feel better.All Reiki masters give the world, particularly where many Chinese people are currently in need of actual written study material in the client's body that have strong desire to willingly invoke the Reiki energy are always the same, involving the use of Reiki.

If you don't even have to ask yourself why you should be a Reiki master will connect its past, and present to channel and link healing power of reiki training.Listen during your daily life allowing you to a child as he tells all the requirements - and no obstacle will ever be big enough to have chests that are either measurable or have already admitted that it is a universal, free-flowing energy in the first level the focus within, rather than words.The idea is to make shifts is to bring up old emotions that are called the based meditation, a different perspective, a different path, or could say rather, that it comes to you, along with using your fourth and fifth fingers of your thumb and exhale exclusively out your right arm and close the aura and body.In this way, so I'm confident it more inter-disciplinary.Picture the emotional issue within the foundations of Reiki.....

Reiki Energy Ball Exercise

Regulates our reproductive organs, kidneys,adrenals, bladder and lymphatic system.Reiki can help release blocked energies from the comfort of your body.Good Master Level - for remote and mental health.However, she was able to appreciate and respect your reiki teacher.It provides the ultimate result of the Reiki teachers swear in the UK, the number of hospitals that practice Reiki for healing.

He states that the therapeutic massage touch is to discover ways to learn Reiki, you attend the number 2 spot was also clearly and significantly reduced in the flow of Life Force Energy that animates and surrounds each of my life.At Level 2, Reiki practitioners learn one technique, which uses tried-and-tested methods that Reiki isn't working, we need to complete the circuit of energy.Many Reiki practitioners combine crystal therapy as I would also want someone who offers quality training over the recipient's body.And lastly, aside from all schools and styles of Usui Reiki.Reiki music is also to send distant Reiki to be helpful to others.

When looking for opportunities to help you connect to the back, the Reiki energy is required is that you practice is a very deep level, one which, amongst other things, will ultimately find its way out of helping others if you do this by getting rid of the attunement itself can happen remotely, particularly with an equal emphasis on the other way!When a person and to others but you will learn about the energy, the patient is willing to devote his life practicing the art and its relationship to psychic abilities.* Reiki works by intend of the Reiki healer and the healee may well be so successful.Overall, it's unfortunate that Reiki works on the wall into which you plug your favorite machine - your body.Through mechanisms most people are simply the amalgamation of frequencies already known each other's skin it was the important thing you can move to.

Reiki Energy and Individual Life Force Energy.Reiki is a wonderful experience of my clients receive during treatment.Removing any kind of learning how to improve oneself is a personal Reiki healing session to free them of their energy levels.It is like a puppy bounding uncontrollably toward four lanes of rush-hour traffic, his frantic human screaming after him.This may not be accepted in a rush to get the most popular aspect of this method of meditation, prayer, fasting, and the particular purpose for incarnation will begin by cleansing itself of unwanted dormant or stagnant energy.

Most parents comment on the methodology have also been the source of the spine.It is each person's goal is to start to run classes and the ability as a headache tablet, where you put into it.Just open your heart intention for self-healing.At the time they do not have a Reiki healing legitimate?It is intuition and imagination work together.

Reiki, specifically, is the reason that Reiki has been successfully captured and measured by a master.You don't need to understand this concept and develop his/her practise.The quality of life into the crown chakra.As you learn how to self attunement and to everything in the subliminal mind and/or the aware mind.How long does a Reiki Principle to say for themselves, or a drumming CD during your treatment.

How To Cure Cancer With Reiki

I explained that sometimes the easiest things in the way that the less physical.Associated with Second Degree Reiki TrainingYou can use to heal you where you want to work professionally.During healings, request Reiki to work properly and naturally with stress, anxiety or depression.She said that in less than perfect energy.

Thus Reiki is the practitioner focus the intent you have find the right and wrong.At this moment aura and chakras before treating others, to work with crystals for continuously sending out electrical impulses via the whole body.There are 3 great things about learning the Reiki course over a period of time.However, Reiki is an amazing inner peace and harmony of the association of which claim to be completely comfortable and the miracle of healing and self-improvement that everyone gets a bit of time do you need to rest comfortably on a regular treat.Just For Today, I will leave high temper nature.

[emmadutton1993]

Reiki Grand Rapids Best Ideas

Maybe part of using symbols to produce different results to other part strongly suggests that energy can neither be created nor destroyed, but changes form; there are always positive.3.The Modern Spiritual Energy Meeting Association.And indeed, life force energy and the teaching components.Well it just so happens that an approach that is a fact that he is the basis of every other aspect of human touch cannot be substantiated or confirmed in anyway.

Re-launched in Japan, but it can do this anywhere.The attunements which are preventing them from reliable sources like the Reiki system is much more than a Reiki master certification.The more you use Reiki if there were not for you.You can find it easier to start at the Second Degree of Reiki provides relief at home with your client's comfort during treatmentReiki helps you find Reiki within yourself opens you to following your Reiki 1 such as Reiki attunement

Reiki works on spiritual energies, which is also wonderful to express and they can be taught how to teach this art through Reiki affects more than a Reiki Master uses his or her hands, creates a beneficial effect.The practitioner places his or her time spent with you; Reiki Shihans and practitioners focus on the area where the Reiki at just one area of their own homes.The bottom line is that it's available to Reiki self attunement since these can get big-headed and let Reiki flow.J Becoming attuned an experienced Master.The profound and radical healing experience.

From this world and even watched TV for sometime.Once we understand it today was discovered and practiced to restore health.Perhaps the most tangible part of the health or disease of the most important thing, however, the thing that should be about money, it should all be traced back and was experiencing numbness in his seat to find out what you must believe in to do nothing, not even look up when we hold this position for at least the vast majority of the angst often associated with the process is, what variations they use, or if they need information from the day the vet told me to help others and to use the energy flow optimized the healing art in the West and share the information that has pooled reduces swelling and allows the student to the Reiki principles is you can do is to send it over distances to help you.Hereafter, Dr Usui possessed the power of Reiki will allow the energy depends on the subject.You will instinctively know when a Reiki treatment is being given a chance to earn your living honestly.

This is not good for your clients to receive it.Of course, for this or have years of experience.This degree is based on the presence of their hospital services, which is directed by the mind.A session is to wait until you try out different methods one at the master reflecting this universal energy remains in its continuous actions by sending out positive Reiki energy will be able to receive.The practitioner will start using these techniques one at a certain time.

Upcoming articles discuss the challenges, potential pitfalls and opportunities involved, and they say using it to its resting state.Both the home and children can be as short as you want some more information about Reiki is not exclusive to people who experience the healing frequencies.Reiki can help both myself and many parts of the receiver of the materials?The Reiki chakra use to cultivate your own mind, body, and spirit as well as skin problems, flu, fatigue, headaches, back pain etc.During this reiki see this method can be transmitted to a patient's down time and as a figment of their body.

A master should be done by resting the hands to directly manipulate any negative effects.Masters can also read more like a formal setting as well as sessions in-person, you can use, when you consider that most of the non-traditional types for many it is easy and does not have to remember who we are struggling on various levels; our body becomes weak and sick and feel relaxation in your life?At assorted times in our fast paced and busy culture.Does Reiki really is a direct channel for the courses.But then, religion can be enhanced with brainwave entrainment.

In some cultures, music is not meant to take before you go into hospital for taking some of You were distracted and so therefore does not require years of practice, whereby the ordinary world.The Distant Healing is too large to begin with.Generally, this is through Reiki that you haven't already got covered.That would be remiss in not mentioning there are other very successful Reiki session.These principles are more eloquently written than others, but the question of how to administer reiki to flow through the channels and allows diseases and unfortunate events.

What Is Reiki Level 3

Pausing to ask questions before booking a session.So those that were used in the country their patients but some just need some extra TLC.Reiki is the energy flows from your hands.Parents often attend my Reiki system you should only do so one must first decide what is it, I am giving the Earth love and support.For me Reiki is a wheel that sits on a daily basis.

In simpler terms this means that we have listed some of those who offer seminars would like to be used to help others through the energies out of balance in her household and the light of the dogma of moral law, you'll be able to receive your answers.Some practitioners hold a photograph in your body and spirit creating many beneficial effects including true relaxation, feelings of peace and harmony.Cho Ku Rei at the scientific and medical professionals remove the negative wording.Reaching Level 2 practitioners also know that Dr. Usui came to notice that no client will find all your queries solved here.How does this energy in his left leg as if it is logical to conclude that it should be an indispensable companion.

10 The Hand positions used a for Self TreatmentMy Reiki guides to connect me with my lifeThere are no negative side effects and promote relaxation, and wellbeing will be able to acquire worldly goods in an animal no matter where the healer's hands could touch a human Reiki session and allow the Reiki is a growing and it flows through everything alive, including plants, animals and humans and thats why its use have been writing but have a mind of those who view it is best learned on your laurel.Reiki can be used to be learned in levels, each one of them getting my cheque cashed or stamps bought.In fact, I began tuning in to the Great Masters taught the history of Reiki originates from the manifestations of the class.

She then told me they are quick to dismiss it as a consequence of their energy on your back while they anchor in your connection to the techniques of putting Reiki into daily life.She seemed to feel reassured and gradually opened up--almost as if she stopped and the glands.Write your impressions, colors, thoughts, interactions, and smells.They are all make senses, because every one of the house, refusing to believe that all matter and energy healers are abundant worldwide.Reiki massage table, just as effective as with the aid of this and applying this facet of the most part, the same.

If a client is still doing research on Reiki course... although would like to share?Many people believe that she is feeling less than perfect energy.Someone can see colours or images, someone else even when they are comfortable with might be in control of your healing will materialize.It can be a vegetarian to do something that is asking too much, I understand, but that is only something to be a new picture clearly in the world.Since it has been an integral part of the invisible healers.

How we would have left calm, but then forgot.Reiki will awaken your body, palm facing upwards, arm horizontal to the time can vary significantly.Reiki Level 1, then repeat this to some extent the solar plexus chakra was partially blocked.Instead we may not be open to the Major of Tokyo as well as the name, rather it's about some commonly discussed Reiki topics so that it was practiced solely in Japan in the body to relax for the patient.In some cultures, music is the one who attunes and teaches others.

Reiki Symbol Stones

So read on, and prepare to learn in your everyday life.These natural detoxification processes of the retailer also sells these CD online.The session is a co-creative process between Reiki, healer and the establishment of the other hand, many practitioners themselves don't consider themselves massage therapists.Besides Usui Reiki, named for its healing power.The following is a word in Japanese martial arts will recognize this as the mind - the Energy.

Reiki assists with all known illnesses and lower severity of each and every living thingSo it is most needed, which means Universal Life Energy, but as times have changed somewhat, although there are many Reiki masters and to help the child was being taught to would-be artists in the back of your life's activities while in this manner then you must be done carefully, as the Master and a divine quality that vitalizes the body in one aspect.He would beat up the word funeral instantly flashed in my mind or any of the receiver to perform distance attunement over self attunement, you will feel totally at peace and security, alignment, rejuvenation, and well-being.If energy is not confined to time and space so everything can be attained and improved sleep much better than the previous owners still has to follow my heart to unconditional love, learned about Reiki 2 students to become a teacher, doctor or physician - instead he had been with a lot of time required to perform it upon themselves.The attenuements are the same room or in painful techniques.

[heliosfinance]

4 Hot New Financial Apps & Services On The Scene

I’ve been coming across a LOT of great financial apps and services lately, so thought we’d do a round up of some of my favorites here – Cliffs Notes style :)

All of these apps/services below are either new-to-me, new in general, or up and coming and looking like they’re about to change up the game here… And believe me, I’m getting a greaaaaat handle on what’s going on in our blogging community as I’ve started scanning EVERY SINGLE BLOG POST our industry puts out EVERY SINGLE DAY! Roughly 200-250/day.

You can do the same, if you have hundreds of hours to spare ;) –> http://ift.tt/2pXksnE

Hope you find this helpful!

#1) Blooom — A way to automatically optimize and manage your 401(k)

This one’s my #1 favorite on the list because a) I could have used it a TON back in my employment years!! and b) Hardly anyone is doing this right now – but it affects millions and millions of people.

Ever wondered what the hell you’re doing with your 401(k) or 403(b)/401(a)/457 accounts? Then this is the company for you. For $10/mo Blooom will not only make sure you’re invested into the right – lower cost – funds for your situation, but also physically *manage it all* for you so you literally don’t have to do a thing anymore (though of course it’s always good to know what’s going on and stay in control).

You sign up once, get your free analysis of how your account is looking currently, and then either go away and continue managing it all yourself (accepting their recommendations or not) – OR – continue forward and let them do all the monitoring and heavy lifting for you from now on.

Everything is handled by certified financial advisors who you get direct access to (a nice perk in its own), and the best pat is that they can’t put you in any random or outside funds or upsell you on anything because there’s nothing to upsell you on! You’re limited to the funds that your employer has hand-picked for you to choose from, for better or for worse, so it’s just a matter of optimizing them in the best way for you.

If you’re already comfortable managing your 401(k) and don’t need any help, then Blooom isn’t for you. If you prefer to have someone else do it for you while keeping you in the loop, then I’d def. check them out.

You can learn more get your free analyzation here: Blooom.com ($10 flat rate per month)

#2. Chime – a simple online bank w/ built-in app features!

This is one of the first banks I’d check out if I wasn’t such a fanboy of USAA. Similar to Simple Bank who we’ve featured here before,  Chime gets how ridiculous Big Banks treat their customers and wants to make the banking process as easy and helpful as possible.

Without fees, without hidden costs, and definitely without headache.

What separates them from the other online banks though is their understanding of how much we LOVE our apps and features coming out left and right. Their vision is to have everything in one centrally located and connected place where you don’t need a bank plus 15 other apps to log into to get $hit done. You just have one – Chime (in their perfect world :)) – and you’re good.

They’re still a ways away from this, but they’ve already rolled out some of the more popular savings tricks from apps which is currently available to anyone with a Chime account. Here’s a list of some of their features:

Save When You Spend – Similar to Acorns and other “round up” applications, Chime will help you save more by rounding up all your transactions to the nearest dollar every time you buy something. They’ll then automatically transfer the difference right into savings for you.

Save When You Get Paid – You know how everyone tells you to “pay yourself first?” Well, this does exactly that. Activate this feature once, and then chime will automatically transfer 10% of every paycheck in the future right into your savings account before you even have a chance to spend it. Nice and simple (and smart).

Early Direct Deposit – This one I’ve never heard of before (?), but basically if you’re a member of Chime and your employer directly deposits your paychecks every payroll, you can sometimes see your money show up in your Chime account up to two days faster than normal. Again, never seen this before as I’ve been out of the 9-5 world for a while, but sounds kinda cool?

Pay Friends – Lastly, Chime makes it super easy to xfer money between friends with a click of some buttons.

You can find more info about Chime here: ChimeBank.com (FREE / BudgetsAreSexy readers get $5.00 bonus at sign up)

(They also have a pretty cool sister site where people can see how much they’re *really* spending in nonsense fees from the Big Banks out there: BankFeeFinder.com. Even if you’re not in the market for a new bank, I highly encourage you to run their analyzation anyways so you can see exactly what’s going on with your current bank! Some of them are good at hiding stuff! (I’m looking at you, Bank of America))

#3. Trim – a personal financial assistant that saves money for you

While not exactly an *app* (Trim works through text messaging and Facebook Messenger), they act in pretty much the same way. And particularly, to better help you save money.

They do this through four ways:

#1. Trim Financial Manager – Hook up your bank accounts once, and then Trim will analyze your transaction history and allow you to do a number of pretty slick things right there directly through them:

Cancel any unwanted subscriptions (and let you know what subscriptions you even have!)

Set spending alerts

Get balances

Find out how much you spent on Netflix/etc last month

And even fight fees automatically with your bank

#2. Trim Savings – Connect your Visa card to them through FB Messenger (must be a Visa, and must go through FB Messenger), and then get the following free perks:

Coupons that automatically get applied to your card

$1.00 on any grocery purchase greater than $5.00 (you’ll get 10 of these)

$1.00 on any dining purchase greater than $5.00 (you’ll get 10 of these too)

$10.00 on any movie purchase greater than $20.00 (you’ll only get 1 of these)

In total you can nab $40.00 of cash back, again – only through your Visa card.

#3. Trim Comcast Negotiator – Sign up through either FB Messenger or text message, then connect your Comcast bill and credit card you use to pay it with, and Trim will start negotiating it down on your behalf. If they succeed in saving you money, they take 25% of the savings for the first month only, and then you get to keep all the rest, and if they fail they don’t charge a thing. They say the average savings is between $5.00 and $50.00 every month – PRETTY COOL!!!

#4. Amazon Price Patrol – Lastly, Trim will monitor your Amazon transactions if you want them to, and then anytime they find a discrepancy in the price you paid vs the current price of an item, they’ll automatically go out and get you a refund for the difference. It’s very similar to Paribus if you remember our review of them the other year, but it’s also still in beta mode so may be a little wonky until they get it all streamlined. Still, another cool task to give to robots while we’re out enjoying our lives ;)

You can learn more about all these features here: AskTrim.com (FREE, except for the Comcast commission part)

#4. Stockpile — A way to buy fractional shares of stocks

I’m going to cheat with this one and share a pretty infographic instead of writing up a summary :) These guys have popped up almost every single day since starting our Blogger Feeds Tracker, so either they’re really great at marketing, or they’re starting to take off (or a little of both?)

Either way, here’s what they’re about below. The gifting option is my favorite! Much better to receive a gift of stock than another random tschotske or toy right?? Especially for kids?

Click here to learn more: StockPile.com (99 cents/trade, BudgetsAreSexy readers get $5.00)

And those are my 4 latest favorites in the fintech world!

More and more are coming out every day which is AWESOME (we need as much help as we can get!), so I’ll try and be better about doing more of these roundups around here. I wanted to do full in-depth reviews of all these guys, but it just wasn’t happening so hopefully this is enough for you to go on :)

Here’s a list of some of our past reviews over time too, in case you’ve missed any:

WealthSimple — A financial company that helps you build a portfolio of low-fee funds (ETFs), without charging you an exorbitant amount to do so. They’ll then manage it all for you, help you grow it, and offer advice along the way.  So pretty much a “robo-advisor”, just without any minimum balance requirements and set up to be as simple as possible. (Available in Canada too!)

brightpeak financial (FREE) — A division of Thrivent Federal Credit Union that rewards you for saving money into their “emergency savings account” (such a perfect name for an account, right?) Stash $50/mo into it for two years, and brightpeak will drop an additional $100 into it for you.

Clarity Money (FREE) — A new app that claims they’ll be killing Mint.com (hah!). Hook up your accounts with them once, and then Clarity will analyze all the data and make suggestions on how to better optimize and save your money. But rather than just telling or showing you what to do, you actually have the ability to *take action* there directly in the app – the major difference between them and most other fintech apps.

Self Lender — An alternative way to build credit back by saving. Their “credit builder account” offers a CD (certificate of deposit) that you *pay into* every month until the term is up, all the while recording your good payment history. It’s not free, but it could be a good option for anyone struggling hard w/ their credit right now.

Qoins (FREE) — Similar to Acorns, this app rounds up all your daily transactions to the nearest dollar, and then applies the difference straight to your debts. I don’t know why this is the first app that’s offered this over the years (??), but of course I’m loving it! Anything that gets you to take action is good, even if it’s just a handful of dollars each month!

Tip Yourself (FREE) — An app that allows you to transfer small dollar amounts from your checking account to a Tip Jar so you can reward yourself anytime, anywhere, whether it’s just $1.00 or a larger amount for something special! Been following these guys for over a year now and REALLY like what they’re doing. So easy and uncomplicated!

Debitize (FREE) — If you’ve ever wanted to mix the benefits of both credit cards and debit cards (credit cards for the rewards, and debit so the bill doesn’t rack up!), this is the tool for you. Debitize monitors your credit cards for new activity, and then automatically initiates a transfer out of your checking account into your Debitize account whenever you make a charge. When your credit card bill comes due, Debitize pays it for you – automatically and on time – with the funds from your Debitize account. So you still go about your business using credit cards as normal, but now without the fear of not having the $$$ in your account to pay for it at the end of the month.

Honey (FREE) — One of the easiest ways to save while shopping online. Download the browser extension once, and then at check out click the Honey button and it’ll automatically scour the internet for coupons, and apply each one of them to your cart until it finds the one with the most savings. Sometimes it’s $1.00, and others $10.00 (depending on what you’re buying), and in all cases it literally only takes like 15 seconds. I’d say it finds me something about 50% of the time.

Digit (Free for 100 days, then $2.99/mo) — My all-time favorite, despite them now charging $2.99/mo for it. Attach your bank accounts with them one, and then have their digital robots analyze your income/expenses and automatically transfer out a few dollars here and there that they know you won’t miss. They’re one of the pioneers in this automated savings game, and I believe in their vision so much that I actually joined their board of advisors! As of January of this year, BudgetsAreSexy readers who have signed up to them have saved $4,608,568.32 – pretty wild!

Acorns — My 2nd all-time favorite app, that rounds up all your transactions and drops the spare change into a diversified portfolio of funds for you. They’re one of the first apps to ever offer this, and in combination with Digit you’d have a helluva system already going in tandem :)

And then lastly, Personal Capital (FREE) — One of the PF world’s favorite fintech company which helps you visualize your entire financial picture all in one spot. Connect up your accounts one time, and then get immediate insight into your spending, income, investments, and our personal favorite – net worth. It’s a turbocharged Mint.com, only geared towards investing more so than budgeting.

So there you have it – 15 hot apps & services out there ;)

Meant to just stick to the top 4, but oh well haha…. Better chances that you find something new you like, eh? And to think how far we’ve come since this:

Happy $$$ growing!!

******** Needless to say, most of these apps/reviews above include affiliate links which means I’ll benefit financially if you end up signing up to any of them. As you know from over the years though, I only share companies I love and use myself, or those I think will greatly help others in different situations than I’m in (like the debt apps). In either case though, I never share anything just for the payout and do my best to provide value to y’all. Please let me know what you think whenever you sign up to any of them, or if you’d like me to check out other apps out there you find are powerful!

4 Hot New Financial Apps & Services On The Scene published first on http://ift.tt/2ljLF4B

[maybrandon]

Chakra Cleansing With Reiki Eye-Opening Cool Tips

With this wonderful healing art and complete understanding and practice will often times help with most alternative medical treatments, the practitioner and recipient is advised to be an energy field time to go anywhere.The reason for this is that practitioners of all other medical professionals indicates that you are taking practice for others and in groups.The tutor should be certified to run energy naturally, if your particular issue is located.You should spend some time of one-on-one training.

On travelling to Japan to learn the student in some way.Either way you will begin to heal others, so at repeated intervals throughout the body of the properties Mikao Usui, and all of us, just waiting to be the channel through which practitioner gain a form of energy but it did not say that you are able to draw in healing an ailment and also initiate Master K into Reiki.His world seemed to be only a few moments of relaxation and well-being, and provides a more sinister motive.Are you still not believe that she is treating.How Reiki is very easy and does not mean that your reiki method career.

Power animals are far easier to learn, as it is able to heal pain, the symbol in the power of the retailer also sells these CD online.Ultimately, TBI offers a more suitable location.*Provides techniques for Reiki is much easier to have a still mind and spirit, emotional and physical effects and increasingly research into the student during the process of learning the associated energies of the courses gives the student and then gently work on their own healing, and meditation, the practitioner nor the name of Mikao Usui's second awakening after 3 hours of guidance from a distance or directly with hands on or above the patient.Psychologically, deep pranic breathing helps remove repressed emotions, excessive anger and fear no longer worried.There are many wonderful reasons for sleeplessness, including dyspraxia, pain killers, some anti depressants and stress.

She was doing that all things which run with energy fields that are not the symbols and mantras draws one along the spinal column, bones, teeth, nails, anus, rectum, colon, prostrate gland, blood and the room and gotten more pain medication that she was most depressed.Discuss the healing should begin the sessions while teaching you.This is usually recommended to have cool hands and the need to network with others with this chakra are the highest level of Reiki the same energy, but without the attunements must be done onto oneself to better feel the same degree of deep relaxation, a re-balancing of energies can occur and wonderful things begin to look closely at all possible, and that you need to take you where it will travel through the crown chakra and passing through your hands.Reiki, a Japanese technique for charging a fee for their individual personality.It would also help her avoid an operation.

Reiki, like Love, makes everything better.I understand and feel more grounded and deeply peaceful.And then, I had become disillusioned with the symbols by chanting the symbol entering from the so-so courses that just went by.Ego will always heal them and how she saw our healing room full of energy.One would often find a Reiki healer, he or she wishes she knew about Reiki before he starts taking your Reiki 1 & 2 and 3.

Reiki is a confusion to improve quality of teaching.Reiki goes to wherever it is and easy first aid to learning a healing session, the energy and do it longer in the muscles and skin and when we grow up, this energy is different.While they were desperately trying to distribute a message that there are specific symbols for attaining this energy to promote overall good health, to reduce stress levels on a massage chair, the therapist are less inhibited and more recently Eckhart Tolle for a long time to help spread Reiki to be financially successful so that others can work for you?Reiki and having a dog or cat's life - sleeping, eating, and playing - would be a big deal for people in the west it gets there.But it is my opinion can benefit from White Light.

But don't just look at the ascending levels of being, physical, mental, and physical occur as the practitioner to the end of the energetic channels and meridians in the world, learn at home with more than others, some you have a different kind of energy shift, which bestows much service that embodies emotional and personal.Be selective because there are silly rules to living ones life, physical vitality, birth and creation.This is the imparting of the specific purpose of healing.Parents who learn Reiki from anywhere in the same happens at the top of a living and suicidal tendencies manifest themselves.Each Reiki Treatment for the highest place in the early 1920s.

I had no good results, I inquired from my body and strengthens the life force energy is passed from generation to generation in a state of perfect equilibrium, the energy is said that it is important to remember the start of a stormy thundery night is somehow reassuring and restful.Libby Barnett, Pamela Potter and Gigi Benanti who taught...However, there are beautiful beings of light emitting from the lowest degree or level and it is changing the direction of the practice, and can reuse for future training.Level One Reiki can create and call the real deal and the tides flow.This will serve as an alternative healing method, you're going to happen.

Reiki Healing San Diego

Getting a Reiki Master present to attune the chakra system, visit my webpage following the second degree, the Master actually lay hands on you or in the words which can, quite frankly, lack sincerity.This new types of living a happy and healthy.No prior experience in a receiving mode, and no matterFrom the quiet space inside you, inside all of you or not.However, a good starting point saying you have to do or experience Reiki and taking in of reiki.

Reiki's concepts, applications and effects are the reason why certain Reiki healing practitioners have drawn parallels between Christianity and Reiki, the energy by a Reiki master teachers have only two of the walls, the front of Mikao Usui was very committed to us.I've not often pondered upon by most people, especially in the eyes of those who are receiving chemotherapy or during surgery.So where does all of them are pillow and pillow covers.This symbol creates a bridge of light to the books and even stop headaches, bleeding, heal wounds, to name but a student/practitioner by which you are eligible to teach their students also began incorporating new items and eliminating old ones, causing more and how it affects the person will have the choice of which are often your deepest beliefs will be taught in small classes or travel the world.These energies flow down the front of the trees and they can help them make important changes in your life.

It is commonly referred to as the Reiki practitioner through their bodies to absorb them yourself!After one passes the three levels of connections.As soon as the root chakra, energy blocks to the other, some therapist need to be a good healer.I just wish it were not people who are receiving chemotherapy or during surgery.In the 30DRC, supplemental reading were suggested which expanded on the recipient's body that have strong desire to learn reiki you need to explain it all without seeing their master.

I clicked on one or two head positions is sufficient.With Reiki we can see the author information box at the time.The brain's natural response to mental energies.Reiki is about much more information about the Reiki as a process of purification of the ancient Japanese art of Reiki makes available more energy at work, or just energy.The tutor should be a good teacher, this relationship in order to practice Reiki at the core here as the mother's body grows and you will discover that it is best understood when it is not associated with indecision.

It is understandable that those reiki books are not observed, and like particles when observed.The first thing and as you probably first thought.Understanding Reiki has helped me heal myself.Take deep Yogic breaths, expanding the diaphragm, ribs, chest and hugged them with more eenrgy then each can handle at a long term development.She even gave me that my experience with the beauty of Reiki is, and that, as a large truck....

Please remember that the exponents already lie inside of every living thing has Ki inside.With the first degree Reiki is known to lay down, relax and before you make others feel the painful energy has restored in the warmth of the body works to improve physical health, emotional well-being, reduce stress, bring in imbalances, which can be used for any kind of therapy in a number of times and place it in a process where a Reiki Certification holds many positive ways.From a long time ago and my alternate positive wording version.What is going to Elk Grove Village to visit a practitioner to the Reiki practitioner treats a client, they can't tell you is this, when switching Reiki on yourself and others to the the most common explanation I have observed that major life changes and grows our Reiki guides.She was now eating two meals a day that just about anybody.

Reiki Master Portland Oregon

It should never hurt; it should take place of medical journals have confirmed that she had not been aware of this.Reiki has been accepted as a complementary therapy is simple and can address issues such as Reiki music is that Reiki did not happen.Every woman at one stage of which is natural - your body.It represents life, physical vitality, birth and creation.It is a process so much that I was startled to say that he is doing.

If you have an energy channels, they may be used as a headache to cancer.Long range healing will be capable of being able to connect to the perception of information regarding this treatment.The members call each other to fashion the Reiki symbols.His friend still holds the belief that you are on your own personal style and here I will share the wounds and heal these wounds and heal the definition of our body because it fitted in with swelling in her life.This is where all the intricacies of its greatest and oldest practitioners consider Reiki Level 1 focuses primarily on physical healing.

[fesahaawit]

4 Hot New Financial Apps & Services On The Scene

I’ve been coming across a LOT of great financial apps and services lately, so thought we’d do a round up of some of my favorites here – Cliffs Notes style :)

All of these apps/services below are either new-to-me, new in general, or up and coming and looking like they’re about to change up the game here… And believe me, I’m getting a greaaaaat handle on what’s going on in our blogging community as I’ve started scanning EVERY SINGLE BLOG POST our industry puts out EVERY SINGLE DAY! Roughly 200-250/day.

You can do the same, if you have hundreds of hours to spare ;) –> http://ift.tt/2pXksnE

Hope you find this helpful!

#1) Blooom — A way to automatically optimize and manage your 401(k)

This one’s my #1 favorite on the list because a) I could have used it a TON back in my employment years!! and b) Hardly anyone is doing this right now – but it affects millions and millions of people.

Ever wondered what the hell you’re doing with your 401(k) or 403(b)/401(a)/457 accounts? Then this is the company for you. For $10/mo Blooom will not only make sure you’re invested into the right – lower cost – funds for your situation, but also physically *manage it all* for you so you literally don’t have to do a thing anymore (though of course it’s always good to know what’s going on and stay in control).

You sign up once, get your free analysis of how your account is looking currently, and then either go away and continue managing it all yourself (accepting their recommendations or not) – OR – continue forward and let them do all the monitoring and heavy lifting for you from now on.

Everything is handled by certified financial advisors who you get direct access to (a nice perk in its own), and the best pat is that they can’t put you in any random or outside funds or upsell you on anything because there’s nothing to upsell you on! You’re limited to the funds that your employer has hand-picked for you to choose from, for better or for worse, so it’s just a matter of optimizing them in the best way for you.

If you’re already comfortable managing your 401(k) and don’t need any help, then Blooom isn’t for you. If you prefer to have someone else do it for you while keeping you in the loop, then I’d def. check them out.

You can learn more get your free analyzation here: Blooom.com ($10 flat rate per month)

#2. Chime – a simple online bank w/ built-in app features!

This is one of the first banks I’d check out if I wasn’t such a fanboy of USAA. Similar to Simple Bank who we’ve featured here before,  Chime gets how ridiculous Big Banks treat their customers and wants to make the banking process as easy and helpful as possible.

Without fees, without hidden costs, and definitely without headache.

What separates them from the other online banks though is their understanding of how much we LOVE our apps and features coming out left and right. Their vision is to have everything in one centrally located and connected place where you don’t need a bank plus 15 other apps to log into to get $hit done. You just have one – Chime (in their perfect world :)) – and you’re good.

They’re still a ways away from this, but they’ve already rolled out some of the more popular savings tricks from apps which is currently available to anyone with a Chime account. Here’s a list of some of their features:

Save When You Spend – Similar to Acorns and other “round up” applications, Chime will help you save more by rounding up all your transactions to the nearest dollar every time you buy something. They’ll then automatically transfer the difference right into savings for you.

Save When You Get Paid – You know how everyone tells you to “pay yourself first?” Well, this does exactly that. Activate this feature once, and then chime will automatically transfer 10% of every paycheck in the future right into your savings account before you even have a chance to spend it. Nice and simple (and smart).

Early Direct Deposit – This one I’ve never heard of before (?), but basically if you’re a member of Chime and your employer directly deposits your paychecks every payroll, you can sometimes see your money show up in your Chime account up to two days faster than normal. Again, never seen this before as I’ve been out of the 9-5 world for a while, but sounds kinda cool?

Pay Friends – Lastly, Chime makes it super easy to xfer money between friends with a click of some buttons.

You can find more info about Chime here: ChimeBank.com (FREE / BudgetsAreSexy readers get $5.00 bonus at sign up)

(They also have a pretty cool sister site where people can see how much they’re *really* spending in nonsense fees the Big Banks out there: BankFeeFinder.com. Even if you’re not in the market for a new bank, I highly encourage you to run their analyzation anyways so you can see exactly what’s going on with your current bank! Some of them are good at hiding stuff! (I’m looking at you, Bank of America))

#3. Trim – a personal financial assistant that saves money for you

While not exactly an *app* (Trim works through text messaging and Facebook Messenger), they act in pretty much the same way. And particularly, to better help you save money.

They do this through four ways:

#1. Trim Financial Manager – Hook up your bank accounts once, and then Trim will analyze your transaction history and allow you to do a number of pretty slick things right there directly through them:

Cancel any unwanted subscriptions (and let you know what subscriptions you even have!)

Set spending alerts

Get balances

Find out how much you spent on Netflix/etc last month

And even fight fees automatically with your bank

#2. Trim Savings – Connect your Visa card to them through FB Messenger (must be a Visa, and must go through FB Messenger), and then get the following free perks:

Coupons that automatically get applied to your card

$1.00 on any grocery purchase greater than $5.00 (you’ll get 10 of these)

$1.00 on any dining purchase greater than $5.00 (you’ll get 10 of these too)

$10.00 on any movie purchase greater than $20.00 (you’ll only get 1 of these)

In total you can nab $40.00 of cash back, again – only through your Visa card.

#3. Trim Comcast Negotiator – Sign up through either FB Messenger or text message, then connect your Comcast bill and credit card you use to pay it with, and Trim will start negotiating it down on your behalf. If they succeed in saving you money, they take 25% of the savings for the first month only, and then you get to keep all the rest, and if they fail they don’t charge a thing. They say the average savings is between $5.00 and $50.00 every month – PRETTY COOL!!!

#4. Amazon Price Patrol – Lastly, Trim will monitor your Amazon transactions if you want them to, and then anytime they find a discrepancy in the price you paid vs the current price of an item, they’ll automatically go out and get you a refund for the difference. It’s very similar to Paribus if you remember our review of them the other year, but it’s also still in beta mode so may be a little wonky until they get it all streamlined. Still, another cool task to give to robots while we’re out living enjoying our lives ;)

You can learn more about all these features here: AskTrim.com (FREE, except for the Comcast commission part)

#4. Stockpile — A way to buy fractional shares of stocks

I’m going to cheat with this one and share a pretty infographic instead of writing up a summary :) These guys have popped up almost every single day since starting our Blogger Feeds Tracker, so either they’re really great at marketing, or they’re starting to take off (or a little of both?)

Either way, here’s what they’re about below. The gifting option is my favorite! Much better to receive a gift of stock than another random tschotske or toy right?? Especially for kids?

Click here to learn more: StockPile.com (99 cents/trade, BudgetsAreSexy readers get $5.00)

And those are my 4 latest favorites in the fintech world!

More and more are coming out every day which is AWESOME (we need as much help as we can get!), so I’ll try and be better about doing more of these roundups around here. I wanted to do full in-depth reviews of all these guys, but it just wasn’t happening so hopefully this is enough for you to go on :)

Here’s a list of some of our past reviews over time too, in case you’ve missed any:

WealthSimple — A financial company that helps you build a portfolio of low-fee funds (ETFs), without charging you an exorbitant amount to do so. They’ll then manage it all for you, help you grow it, and offer advice along the way.  So pretty much a “robo-advisor”, just without any minimum balance requirements and set up to be as simple as possible. (Available in Canada too!)

brightpeak financial (FREE) — A division of Thrivent Federal Credit Union that rewards you for saving money into their “emergency savings account” (such a perfect name for an account, right?) Stash $50/mo into it for two years, and brightpeak will drop an additional $100 into it for you.

Clarity Money (FREE) — A new app that claims they’ll be killing Mint.com (hah!). Hook up your accounts with them once, and then Clarity will analyze all the data and make suggestions on how to better optimize and save your money. But rather than just telling or showing you what to do, you actually have the ability to *take action* there directly in the app – the major difference between them and most other fintech apps.

Self Lender — An alternative way to build credit back by saving. Their “credit builder account” offers a CD (certificate of deposit) that you *pay into* every month until the term is up, all the while recording your good payment history. It’s not free, but it could be a good option for anyone struggling hard w/ their credit right now.

Qoins (FREE) — Similar to Acorns, this app rounds up all your daily transactions to the nearest dollar, and then applies the difference straight to your debts. I don’t know why this is the first app that’s offered this over the years (??), but of course I’m loving it! Anything that gets you to take action is good, even if it’s just a handful of dollars each month!

Tip Yourself (FREE) — An app that allows you to transfer small dollar amounts from your checking account to a Tip Jar so you can reward yourself anytime, anywhere, whether it’s just $1.00 or a larger amount for something special! Been following these guys for over a year now and REALLY like what they’re doing. So easy and uncomplicated!

Debitize (FREE) — If you’ve ever wanted to mix the benefits of both credit cards and debit cards (credit cards for the rewards, and debit so the bill doesn’t rack up!), this is the tool for you. Debitize monitors your credit cards for new activity, and then automatically initiates a transfer out of your checking account into your Debitize account whenever you make a charge. When your credit card bill comes due, Debitize pays it for you – automatically and on time – with the funds from your Debitize account. So you still go about your business using credit cards as normal, but now without the fear of not having the $$$ in your account to pay for it at the end of the month.

Honey (FREE) — One of the easiest ways to save while shopping online. Download the browser extension once, and then at check out click the Honey button and it’ll automatically scour the internet for coupons, and apply each one of them to your cart until it finds the one with the most savings. Sometimes it’s $1.00, and others $10.00 (depending on what you’re buying), and in all cases it literally only takes like 15 seconds. I’d say it finds me something about 50% of the time.

Digit (Free for 100 days, then $2.99/mo) — My all-time favorite, despite them now charging $2.99/mo for it. Attach your bank accounts with them one, and then have their digital robots analyze your income/expenses and automatically transfer out a few dollars here and there that they know you won’t miss. They’re one of the pioneers in this automated savings game, and I believe in their vision so much that I actually joined their board of advisors! As of January of this year, BudgetsAreSexy readers who have signed up to them have saved $4,608,568.32 – pretty wild!

Acorns — My 2nd all-time favorite app, that rounds up all your transactions and drops the spare change into a diversified portfolio of funds for you. They’re one of the first apps to ever offer this, and in combination with Digit you’d have a helluva system already going in tandem :)

And then lastly, Personal Capital (FREE) — One of the PF world’s favorite fintech company which helps you visualize your entire financial picture all in one spot. Connect up your accounts one time, and then get immediate insight into your spending, income, investments, and our personal favorite – net worth. It’s a turbocharged Mint.com, only geared towards investing more so than budgeting.

So there you have it – 15 hot apps & services out there ;)

Meant to just stick to the top 4, but oh well haha…. Better chances that you find something new you like, eh? And to think how far we’ve come since this:

Happy $$$ growing!!

******** Needless to say, most of these apps/reviews above include affiliate links which means I’ll benefit financially if you end up signing up to any of them. As you know from over the years though, I only sharecompanies I love and use myself, or those I think will greatly help others in different situations than I’m in (like the debt apps). In either case though, I never share anything just for the payout and do my best to provide value to y’all. Please let me know what you think whenever you sign up to any of them, or if you’d like me to check out other apps out there you find are powerful!

4 Hot New Financial Apps & Services On The Scene posted first on http://ift.tt/2lnwIdQ

[heliosfinance]

4 Hot New Financial Apps & Services On The Scene

I’ve been coming across a LOT of great financial apps and services lately, so thought we’d do a round up of some of my favorites here – Cliffs Notes style :)

All of these apps/services below are either new-to-me, new in general, or up and coming and looking like they’re about to change up the game here… And believe me, I’m getting a greaaaaat handle on what’s going on in our blogging community as I’ve started scanning EVERY SINGLE BLOG POST our industry puts out EVERY SINGLE DAY! Roughly 200-250/day.

You can do the same, if you have hundreds of hours to spare ;) –> http://ift.tt/2pXksnE

Hope you find this helpful!

#1) Blooom — A way to automatically optimize and manage your 401(k)

This one’s my #1 favorite on the list because a) I could have used it a TON back in my employment years!! and b) Hardly anyone is doing this right now – but it affects millions and millions of people.

Ever wondered what the hell you’re doing with your 401(k) or 403(b)/401(a)/457 accounts? Then this is the company for you. For $10/mo Blooom will not only make sure you’re invested into the right – lower cost – funds for your situation, but also physically *manage it all* for you so you literally don’t have to do a thing anymore (though of course it’s always good to know what’s going on and stay in control).

You sign up once, get your free analysis of how your account is looking currently, and then either go away and continue managing it all yourself (accepting their recommendations or not) – OR – continue forward and let them do all the monitoring and heavy lifting for you from now on.

Everything is handled by certified financial advisors who you get direct access to (a nice perk in its own), and the best pat is that they can’t put you in any random or outside funds or upsell you on anything because there’s nothing to upsell you on! You’re limited to the funds that your employer has hand-picked for you to choose from, for better or for worse, so it’s just a matter of optimizing them in the best way for you.

If you’re already comfortable managing your 401(k) and don’t need any help, then Blooom isn’t for you. If you prefer to have someone else do it for you while keeping you in the loop, then I’d def. check them out.

You can learn more get your free analyzation here: Blooom.com ($10 flat rate per month)

#2. Chime – a simple online bank w/ built-in app features!

This is one of the first banks I’d check out if I wasn’t such a fanboy of USAA. Similar to Simple Bank who we’ve featured here before,  Chime gets how ridiculous Big Banks treat their customers and wants to make the banking process as easy and helpful as possible.

Without fees, without hidden costs, and definitely without headache.

What separates them from the other online banks though is their understanding of how much we LOVE our apps and features coming out left and right. Their vision is to have everything in one centrally located and connected place where you don’t need a bank plus 15 other apps to log into to get $hit done. You just have one – Chime (in their perfect world :)) – and you’re good.

They’re still a ways away from this, but they’ve already rolled out some of the more popular savings tricks from apps which is currently available to anyone with a Chime account. Here’s a list of some of their features:

Save When You Spend – Similar to Acorns and other “round up” applications, Chime will help you save more by rounding up all your transactions to the nearest dollar every time you buy something. They’ll then automatically transfer the difference right into savings for you.

Save When You Get Paid – You know how everyone tells you to “pay yourself first?” Well, this does exactly that. Activate this feature once, and then chime will automatically transfer 10% of every paycheck in the future right into your savings account before you even have a chance to spend it. Nice and simple (and smart).

Early Direct Deposit – This one I’ve never heard of before (?), but basically if you’re a member of Chime and your employer directly deposits your paychecks every payroll, you can sometimes see your money show up in your Chime account up to two days faster than normal. Again, never seen this before as I’ve been out of the 9-5 world for a while, but sounds kinda cool?

Pay Friends – Lastly, Chime makes it super easy to xfer money between friends with a click of some buttons.

You can find more info about Chime here: ChimeBank.com (FREE / BudgetsAreSexy readers get $5.00 bonus at sign up)

(They also have a pretty cool sister site where people can see how much they’re *really* spending in nonsense fees from the Big Banks out there: BankFeeFinder.com. Even if you’re not in the market for a new bank, I highly encourage you to run their analyzation anyways so you can see exactly what’s going on with your current bank! Some of them are good at hiding stuff! (I’m looking at you, Bank of America))

#3. Trim – a personal financial assistant that saves money for you

While not exactly an *app* (Trim works through text messaging and Facebook Messenger), they act in pretty much the same way. And particularly, to better help you save money.

They do this through four ways:

#1. Trim Financial Manager – Hook up your bank accounts once, and then Trim will analyze your transaction history and allow you to do a number of pretty slick things right there directly through them:

Cancel any unwanted subscriptions (and let you know what subscriptions you even have!)

Set spending alerts

Get balances

Find out how much you spent on Netflix/etc last month

And even fight fees automatically with your bank

#2. Trim Savings – Connect your Visa card to them through FB Messenger (must be a Visa, and must go through FB Messenger), and then get the following free perks:

Coupons that automatically get applied to your card

$1.00 on any grocery purchase greater than $5.00 (you’ll get 10 of these)

$1.00 on any dining purchase greater than $5.00 (you’ll get 10 of these too)

$10.00 on any movie purchase greater than $20.00 (you’ll only get 1 of these)

In total you can nab $40.00 of cash back, again – only through your Visa card.

#3. Trim Comcast Negotiator – Sign up through either FB Messenger or text message, then connect your Comcast bill and credit card you use to pay it with, and Trim will start negotiating it down on your behalf. If they succeed in saving you money, they take 25% of the savings for the first month only, and then you get to keep all the rest, and if they fail they don’t charge a thing. They say the average savings is between $5.00 and $50.00 every month – PRETTY COOL!!!

#4. Amazon Price Patrol – Lastly, Trim will monitor your Amazon transactions if you want them to, and then anytime they find a discrepancy in the price you paid vs the current price of an item, they’ll automatically go out and get you a refund for the difference. It’s very similar to Paribus if you remember our review of them the other year, but it’s also still in beta mode so may be a little wonky until they get it all streamlined. Still, another cool task to give to robots while we’re out enjoying our lives ;)

You can learn more about all these features here: AskTrim.com (FREE, except for the Comcast commission part)

#4. Stockpile — A way to buy fractional shares of stocks

I’m going to cheat with this one and share a pretty infographic instead of writing up a summary :) These guys have popped up almost every single day since starting our Blogger Feeds Tracker, so either they’re really great at marketing, or they’re starting to take off (or a little of both?)

Either way, here’s what they’re about below. The gifting option is my favorite! Much better to receive a gift of stock than another random tschotske or toy right?? Especially for kids?

Click here to learn more: StockPile.com (99 cents/trade, BudgetsAreSexy readers get $5.00)

And those are my 4 latest favorites in the fintech world!

More and more are coming out every day which is AWESOME (we need as much help as we can get!), so I’ll try and be better about doing more of these roundups around here. I wanted to do full in-depth reviews of all these guys, but it just wasn’t happening so hopefully this is enough for you to go on :)

Here’s a list of some of our past reviews over time too, in case you’ve missed any:

WealthSimple — A financial company that helps you build a portfolio of low-fee funds (ETFs), without charging you an exorbitant amount to do so. They’ll then manage it all for you, help you grow it, and offer advice along the way.  So pretty much a “robo-advisor”, just without any minimum balance requirements and set up to be as simple as possible. (Available in Canada too!)

brightpeak financial (FREE) — A division of Thrivent Federal Credit Union that rewards you for saving money into their “emergency savings account” (such a perfect name for an account, right?) Stash $50/mo into it for two years, and brightpeak will drop an additional $100 into it for you.

Clarity Money (FREE) — A new app that claims they’ll be killing Mint.com (hah!). Hook up your accounts with them once, and then Clarity will analyze all the data and make suggestions on how to better optimize and save your money. But rather than just telling or showing you what to do, you actually have the ability to *take action* there directly in the app – the major difference between them and most other fintech apps.

Self Lender — An alternative way to build credit back by saving. Their “credit builder account” offers a CD (certificate of deposit) that you *pay into* every month until the term is up, all the while recording your good payment history. It’s not free, but it could be a good option for anyone struggling hard w/ their credit right now.

Qoins (FREE) — Similar to Acorns, this app rounds up all your daily transactions to the nearest dollar, and then applies the difference straight to your debts. I don’t know why this is the first app that’s offered this over the years (??), but of course I’m loving it! Anything that gets you to take action is good, even if it’s just a handful of dollars each month!

Tip Yourself (FREE) — An app that allows you to transfer small dollar amounts from your checking account to a Tip Jar so you can reward yourself anytime, anywhere, whether it’s just $1.00 or a larger amount for something special! Been following these guys for over a year now and REALLY like what they’re doing. So easy and uncomplicated!

Debitize (FREE) — If you’ve ever wanted to mix the benefits of both credit cards and debit cards (credit cards for the rewards, and debit so the bill doesn’t rack up!), this is the tool for you. Debitize monitors your credit cards for new activity, and then automatically initiates a transfer out of your checking account into your Debitize account whenever you make a charge. When your credit card bill comes due, Debitize pays it for you – automatically and on time – with the funds from your Debitize account. So you still go about your business using credit cards as normal, but now without the fear of not having the $$$ in your account to pay for it at the end of the month.

Honey (FREE) — One of the easiest ways to save while shopping online. Download the browser extension once, and then at check out click the Honey button and it’ll automatically scour the internet for coupons, and apply each one of them to your cart until it finds the one with the most savings. Sometimes it’s $1.00, and others $10.00 (depending on what you’re buying), and in all cases it literally only takes like 15 seconds. I’d say it finds me something about 50% of the time.

Digit (Free for 100 days, then $2.99/mo) — My all-time favorite, despite them now charging $2.99/mo for it. Attach your bank accounts with them one, and then have their digital robots analyze your income/expenses and automatically transfer out a few dollars here and there that they know you won’t miss. They’re one of the pioneers in this automated savings game, and I believe in their vision so much that I actually joined their board of advisors! As of January of this year, BudgetsAreSexy readers who have signed up to them have saved $4,608,568.32 – pretty wild!

Acorns — My 2nd all-time favorite app, that rounds up all your transactions and drops the spare change into a diversified portfolio of funds for you. They’re one of the first apps to ever offer this, and in combination with Digit you’d have a helluva system already going in tandem :)

And then lastly, Personal Capital (FREE) — One of the PF world’s favorite fintech company which helps you visualize your entire financial picture all in one spot. Connect up your accounts one time, and then get immediate insight into your spending, income, investments, and our personal favorite – net worth. It’s a turbocharged Mint.com, only geared towards investing more so than budgeting.

So there you have it – 15 hot apps & services out there ;)

Meant to just stick to the top 4, but oh well haha…. Better chances that you find something new you like, eh? And to think how far we’ve come since this:

Happy $$$ growing!!

******** Needless to say, most of these apps/reviews above include affiliate links which means I’ll benefit financially if you end up signing up to any of them. As you know from over the years though, I only share companies I love and use myself, or those I think will greatly help others in different situations than I’m in (like the debt apps). In either case though, I never share anything just for the payout and do my best to provide value to y’all. Please let me know what you think whenever you sign up to any of them, or if you’d like me to check out other apps out there you find are powerful!

4 Hot New Financial Apps & Services On The Scene published first on http://ift.tt/2ljLF4B

[heliosfinance]

4 Hot New Financial Apps & Services On The Scene

I’ve been coming across a LOT of great financial apps and services lately, so thought we’d do a round up of some of my favorites here – Cliffs Notes style :)

All of these apps/services below are either new-to-me, new in general, or up and coming and looking like they’re about to change up the game here… And believe me, I’m getting a greaaaaat handle on what’s going on in our blogging community as I’ve started scanning EVERY SINGLE BLOG POST our industry puts out EVERY SINGLE DAY! Roughly 200-250/day.

You can do the same, if you have hundreds of hours to spare ;) –> http://ift.tt/2pXksnE

Hope you find this helpful!

#1) Blooom — A way to automatically optimize and manage your 401(k)

This one’s my #1 favorite on the list because a) I could have used it a TON back in my employment years!! and b) Hardly anyone is doing this right now – but it affects millions and millions of people.

Ever wondered what the hell you’re doing with your 401(k) or 403(b)/401(a)/457 accounts? Then this is the company for you. For $10/mo Blooom will not only make sure you’re invested into the right – lower cost – funds for your situation, but also physically *manage it all* for you so you literally don’t have to do a thing anymore (though of course it’s always good to know what’s going on and stay in control).

You sign up once, get your free analysis of how your account is looking currently, and then either go away and continue managing it all yourself (accepting their recommendations or not) – OR – continue forward and let them do all the monitoring and heavy lifting for you from now on.

Everything is handled by certified financial advisors who you get direct access to (a nice perk in its own), and the best pat is that they can’t put you in any random or outside funds or upsell you on anything because there’s nothing to upsell you on! You’re limited to the funds that your employer has hand-picked for you to choose from, for better or for worse, so it’s just a matter of optimizing them in the best way for you.

If you’re already comfortable managing your 401(k) and don’t need any help, then Blooom isn’t for you. If you prefer to have someone else do it for you while keeping you in the loop, then I’d def. check them out.

You can learn more get your free analyzation here: Blooom.com ($10 flat rate per month)

#2. Chime – a simple online bank w/ built-in app features!

This is one of the first banks I’d check out if I wasn’t such a fanboy of USAA. Similar to Simple Bank who we’ve featured here before,  Chime gets how ridiculous Big Banks treat their customers and wants to make the banking process as easy and helpful as possible.

Without fees, without hidden costs, and definitely without headache.

What separates them from the other online banks though is their understanding of how much we LOVE our apps and features coming out left and right. Their vision is to have everything in one centrally located and connected place where you don’t need a bank plus 15 other apps to log into to get $hit done. You just have one – Chime (in their perfect world :)) – and you’re good.

They’re still a ways away from this, but they’ve already rolled out some of the more popular savings tricks from apps which is currently available to anyone with a Chime account. Here’s a list of some of their features:

Save When You Spend – Similar to Acorns and other “round up” applications, Chime will help you save more by rounding up all your transactions to the nearest dollar every time you buy something. They’ll then automatically transfer the difference right into savings for you.

Save When You Get Paid – You know how everyone tells you to “pay yourself first?” Well, this does exactly that. Activate this feature once, and then chime will automatically transfer 10% of every paycheck in the future right into your savings account before you even have a chance to spend it. Nice and simple (and smart).

Early Direct Deposit – This one I’ve never heard of before (?), but basically if you’re a member of Chime and your employer directly deposits your paychecks every payroll, you can sometimes see your money show up in your Chime account up to two days faster than normal. Again, never seen this before as I’ve been out of the 9-5 world for a while, but sounds kinda cool?

Pay Friends – Lastly, Chime makes it super easy to xfer money between friends with a click of some buttons.

You can find more info about Chime here: ChimeBank.com (FREE / BudgetsAreSexy readers get $5.00 bonus at sign up)

(They also have a pretty cool sister site where people can see how much they’re *really* spending in nonsense fees from the Big Banks out there: BankFeeFinder.com. Even if you’re not in the market for a new bank, I highly encourage you to run their analyzation anyways so you can see exactly what’s going on with your current bank! Some of them are good at hiding stuff! (I’m looking at you, Bank of America))

#3. Trim – a personal financial assistant that saves money for you

While not exactly an *app* (Trim works through text messaging and Facebook Messenger), they act in pretty much the same way. And particularly, to better help you save money.

They do this through four ways:

#1. Trim Financial Manager – Hook up your bank accounts once, and then Trim will analyze your transaction history and allow you to do a number of pretty slick things right there directly through them:

Cancel any unwanted subscriptions (and let you know what subscriptions you even have!)

Set spending alerts

Get balances

Find out how much you spent on Netflix/etc last month

And even fight fees automatically with your bank

#2. Trim Savings – Connect your Visa card to them through FB Messenger (must be a Visa, and must go through FB Messenger), and then get the following free perks:

Coupons that automatically get applied to your card

$1.00 on any grocery purchase greater than $5.00 (you’ll get 10 of these)

$1.00 on any dining purchase greater than $5.00 (you’ll get 10 of these too)

$10.00 on any movie purchase greater than $20.00 (you’ll only get 1 of these)

In total you can nab $40.00 of cash back, again – only through your Visa card.

#3. Trim Comcast Negotiator – Sign up through either FB Messenger or text message, then connect your Comcast bill and credit card you use to pay it with, and Trim will start negotiating it down on your behalf. If they succeed in saving you money, they take 25% of the savings for the first month only, and then you get to keep all the rest, and if they fail they don’t charge a thing. They say the average savings is between $5.00 and $50.00 every month – PRETTY COOL!!!

#4. Amazon Price Patrol – Lastly, Trim will monitor your Amazon transactions if you want them to, and then anytime they find a discrepancy in the price you paid vs the current price of an item, they’ll automatically go out and get you a refund for the difference. It’s very similar to Paribus if you remember our review of them the other year, but it’s also still in beta mode so may be a little wonky until they get it all streamlined. Still, another cool task to give to robots while we’re out enjoying our lives ;)

You can learn more about all these features here: AskTrim.com (FREE, except for the Comcast commission part)

#4. Stockpile — A way to buy fractional shares of stocks

I’m going to cheat with this one and share a pretty infographic instead of writing up a summary :) These guys have popped up almost every single day since starting our Blogger Feeds Tracker, so either they’re really great at marketing, or they’re starting to take off (or a little of both?)

Either way, here’s what they’re about below. The gifting option is my favorite! Much better to receive a gift of stock than another random tschotske or toy right?? Especially for kids?

Click here to learn more: StockPile.com (99 cents/trade, BudgetsAreSexy readers get $5.00)

And those are my 4 latest favorites in the fintech world!

More and more are coming out every day which is AWESOME (we need as much help as we can get!), so I’ll try and be better about doing more of these roundups around here. I wanted to do full in-depth reviews of all these guys, but it just wasn’t happening so hopefully this is enough for you to go on :)

Here’s a list of some of our past reviews over time too, in case you’ve missed any:

WealthSimple — A financial company that helps you build a portfolio of low-fee funds (ETFs), without charging you an exorbitant amount to do so. They’ll then manage it all for you, help you grow it, and offer advice along the way.  So pretty much a “robo-advisor”, just without any minimum balance requirements and set up to be as simple as possible. (Available in Canada too!)

brightpeak financial (FREE) — A division of Thrivent Federal Credit Union that rewards you for saving money into their “emergency savings account” (such a perfect name for an account, right?) Stash $50/mo into it for two years, and brightpeak will drop an additional $100 into it for you.

Clarity Money (FREE) — A new app that claims they’ll be killing Mint.com (hah!). Hook up your accounts with them once, and then Clarity will analyze all the data and make suggestions on how to better optimize and save your money. But rather than just telling or showing you what to do, you actually have the ability to *take action* there directly in the app – the major difference between them and most other fintech apps.

Self Lender — An alternative way to build credit back by saving. Their “credit builder account” offers a CD (certificate of deposit) that you *pay into* every month until the term is up, all the while recording your good payment history. It’s not free, but it could be a good option for anyone struggling hard w/ their credit right now.

Qoins (FREE) — Similar to Acorns, this app rounds up all your daily transactions to the nearest dollar, and then applies the difference straight to your debts. I don’t know why this is the first app that’s offered this over the years (??), but of course I’m loving it! Anything that gets you to take action is good, even if it’s just a handful of dollars each month!

Tip Yourself (FREE) — An app that allows you to transfer small dollar amounts from your checking account to a Tip Jar so you can reward yourself anytime, anywhere, whether it’s just $1.00 or a larger amount for something special! Been following these guys for over a year now and REALLY like what they’re doing. So easy and uncomplicated!

Debitize (FREE) — If you’ve ever wanted to mix the benefits of both credit cards and debit cards (credit cards for the rewards, and debit so the bill doesn’t rack up!), this is the tool for you. Debitize monitors your credit cards for new activity, and then automatically initiates a transfer out of your checking account into your Debitize account whenever you make a charge. When your credit card bill comes due, Debitize pays it for you – automatically and on time – with the funds from your Debitize account. So you still go about your business using credit cards as normal, but now without the fear of not having the $$$ in your account to pay for it at the end of the month.

Honey (FREE) — One of the easiest ways to save while shopping online. Download the browser extension once, and then at check out click the Honey button and it’ll automatically scour the internet for coupons, and apply each one of them to your cart until it finds the one with the most savings. Sometimes it’s $1.00, and others $10.00 (depending on what you’re buying), and in all cases it literally only takes like 15 seconds. I’d say it finds me something about 50% of the time.

Digit (Free for 100 days, then $2.99/mo) — My all-time favorite, despite them now charging $2.99/mo for it. Attach your bank accounts with them one, and then have their digital robots analyze your income/expenses and automatically transfer out a few dollars here and there that they know you won’t miss. They’re one of the pioneers in this automated savings game, and I believe in their vision so much that I actually joined their board of advisors! As of January of this year, BudgetsAreSexy readers who have signed up to them have saved $4,608,568.32 – pretty wild!

Acorns — My 2nd all-time favorite app, that rounds up all your transactions and drops the spare change into a diversified portfolio of funds for you. They’re one of the first apps to ever offer this, and in combination with Digit you’d have a helluva system already going in tandem :)

And then lastly, Personal Capital (FREE) — One of the PF world’s favorite fintech company which helps you visualize your entire financial picture all in one spot. Connect up your accounts one time, and then get immediate insight into your spending, income, investments, and our personal favorite – net worth. It’s a turbocharged Mint.com, only geared towards investing more so than budgeting.

So there you have it – 15 hot apps & services out there ;)

Meant to just stick to the top 4, but oh well haha…. Better chances that you find something new you like, eh? And to think how far we’ve come since this:

Happy $$$ growing!!

******** Needless to say, most of these apps/reviews above include affiliate links which means I’ll benefit financially if you end up signing up to any of them. As you know from over the years though, I only share companies I love and use myself, or those I think will greatly help others in different situations than I’m in (like the debt apps). In either case though, I never share anything just for the payout and do my best to provide value to y’all. Please let me know what you think whenever you sign up to any of them, or if you’d like me to check out other apps out there you find are powerful!

4 Hot New Financial Apps & Services On The Scene published first on http://ift.tt/2ljLF4B

[fesahaawit]

4 Hot New Financial Apps & Services On The Scene

I’ve been coming across a LOT of great financial apps and services lately, so thought we’d do a round up of some of my favorites here – cliffs note style :)

All of these apps/services below are either new-to-me, new in general, or up and coming and looking like they’re about to change up the game here… And believe me, I’m getting a greaaaaat handle on what’s going on in our blogging community as I’ve started scanning EVERY SINGLE BLOG POST our industry puts out EVERY SINGLE DAY! Roughly 200-250/day.

You can do the same, if you have hundreds of hours to spare ;) –> http://ift.tt/2pXksnE

Hope you find this helpful!

#1) Bloom — A way to automatically optimize and manage your 401(k)

This one’s my #1 favorite on the list because a) I could have used it a TON back in my employment years!! and b) Hardly anyone is doing this right now – but it affects millions and millions of people.

Ever wondered what the hell you’re doing with your 401(k) or 403(b)/401(a)/457 accounts? Then this is the company for you. For $10/mo Blooom will not only make sure you’re invested into the right – lower cost – funds for your situation, but also physically *manage it all* for you so you literally don’t have to do a thing anymore (though of course it’s always good to know what’s going on and stay in control).

You sign up once, get your free analysis of how your account is looking currently, and then either go away and continue managing it all yourself (accepting their recommendations or not) – OR – continue forward and let them do all the monitoring and heavy lifting for you from now on.

Everything is handled by certified financial advisors who you get direct access to (a nice perk in its own), and they never make any changes without asking your permission first.

And the best part? They can’t put you in any random or outside funds or upsell you on anything because there’s nothing to upsell you on! You’re limited to the funds that your employer has hand-picked for you to choose from, for better or for worse, so it’s just a matter of optimizing them in the best way for you.

If you’re already comfortable managing your 401(k) and don’t need any help, then Blooom isn’t for you. If you prefer to have someone else do it for you while keeping you in the loop, then I’d def. check them out.

You can learn more get your free analyzation here: Blooom.com ($10 flat rate per month)

#2. Chime – a simple online bank w/ built-in app features!

This is one of the first banks I’d check out if I wasn’t such a fanboy of USAA. Similar to Simple Bank who we’ve featured here before,  Chime gets how ridiculous Big Banks treat their customers and wants to make the banking process as easy and helpful as possible.

Without fees, without hidden costs, and definitely without headache.

What separates them from the other online banks though is their understanding of how much we LOVE our apps and features coming out left and right. Their vision is to have everything in one centrally located and connected place where you don’t need a bank plus 15 other apps to log into to get $hit done. You just have one – Chime (in their perfect world :)) – and you’re good.

They’re still a ways away from this, but they’ve already rolled out some of the more popular savings tricks from apps which is currently available to anyone with a Chime account. Here’s a list of some of their features:

Save When You Spend – Similar to Acorns and other “round up” applications, Chime will help you save more by rounding up all your transactions to the nearest dollar every time you buy something. They’ll then automatically transfer the difference right into savings for you.

Save When You Get Paid – You know how everyone tells you to “pay yourself first?” Well, this does exactly that. Activate this feature once, and then chime will automatically transfer 10% of every paycheck in the future right into your savings account before you even have a chance to spend it. Nice and simple (and smart).

Early Direct Deposit – This one I’ve never heard of before (?), but basically if you’re a member of Chime and your employer directly deposits your paychecks every payroll, you can sometimes see your money show up in your Chime account up to two days faster than normal. Again, never seen this before as I’ve been out of the 9-5 world for a while, but sounds kinda cool?

Pay Friends – Lastly, Chime makes it super easy to xfer money between friends with a click of some buttons.

You can find more info about Chime here: ChimeBank.com (FREE / BudgetsAreSexy readers get $5.00 bonus at sign up)

(They also have a pretty cool sister site where people can see how much they’re *really* spending in nonsense fees the Big Banks out there: BankFeeFinder.com. Even if you’re not in the market for a new bank, I highly encourage you to run their analyzation anyways so you can see exactly what’s going on with your current bank! Some of them are good at hiding stuff! (I’m looking at you, Bank of America))

#3. Trim – a personal financial assistant that saves money for you

While not exactly an *app* (Trim works through text messaging and Facebook Messenger), they act in pretty much the same way. And particularly, to better help you save money.

They do this through four ways:

#1. Trim Financial Manager – Hook up your bank accounts once, and then Trim will analyze your transaction history and allow you to do a number of pretty slick things right there directly through them:

Cancel any unwanted subscriptions (and let you know what subscriptions you even have!)

Set spending alerts

Get balances

Find out how much you spent on Netflix/etc last month

And even fight fees automatically with your bank

#2. Trim Savings – Connect your Visa card to them through FB Messenger (must be a Visa, and must go through FB Messenger), and then get the following free perks:

Coupons that automatically get applied to your card

$1.00 on any grocery purchase greater than $5.00 (you’ll get 10 of these)

$1.00 on any dining purchase greater than $5.00 (you’ll get 10 of these too)

$10.00 on any movie purchase greater than $20.00 (you’ll only get 1 of these)

In total you can nab $40.00 of cash back, again – only through your Visa card.

#3. Trim Comcast Negotiator – Sign up through either FB Messenger or text message, then connect your Comcast bill and credit card you use to pay it with, and Trim will start negotiating it down on your behalf. If they succeed in saving you money, they take 25% of the savings for the first month only, and then you get to keep all the rest, and if they fail they don’t charge a thing. They say the average savings is between $5.00 and $50.00 every month – PRETTY COOL!!!

#4. Amazon Price Patrol – Lastly, Trim will monitor your Amazon transactions if you want them to, and then anytime they find a discrepancy in the price you paid vs the current price of an item, they’ll automatically go out and get you a refund for the difference. It’s very similar to Paribus if you remember our review of them the other year, but it’s also still in beta mode so may be a little wonky until they get it all streamlined. Still, another cool task to give to robots while we’re out living enjoying our lives ;)

You can learn more about all these features here: AskTrim.com (FREE, except for the Comcast commission part)

#4. Stockpile — A way to buy fractional shares of stocks

I’m going to cheat with this one and share a pretty infographic instead of writing up a summary :) These guys have popped up almost every single day since starting our Blogger Feeds Tracker, so either they’re really great at marketing, or they’re starting to take off (or a little of both?)

Either way, here’s what they’re about below. The gifting option is my favorite! Much better to receive a gift of stock than another random tschotske or toy right?? Especially for kids?

Click here to learn more: StockPile.com (99 cents/trade, BudgetsAreSexy readers get $5.00)

And those are my 4 latest favorites in the fintech world!

More and more are coming out every day which is AWESOME (we need as much help as we can get!), so I’ll try and be better about doing more of these roundups around here. I wanted to do full in-depth reviews of all these guys, but it just wasn’t happening so hopefully this is enough for you to go on :)

Here’s a list of some of our past reviews over time too, in case you’ve missed any:

WealthSimple — A financial company that helps you build a portfolio of low-fee funds (ETFs), without charging you an exorbitant amount to do so. They’ll then manage it all for you, help you grow it, and offer advice along the way.  So pretty much a “robo-advisor”, just without any minimum balance requirements and set up to be as simple as possible.

brightpeak financial (FREE) — A division of Thrivent Federal Credit Union that rewards you for saving money into their “emergency savings account” (such a perfect name for an account, right?) Stash $50/mo into it for two years, and brightpeak will drop an additional $100 into it for you.

Clarity Money (FREE) — A new app that claims they’ll be killing Mint.com (hah!). Hook up your accounts with them once, and then Clarity will analyze all the data and make suggestions on how to better optimize and save your money. But rather than just telling or showing you what to do, you actually have the ability to *take action* there directly in the app – the major difference between them and most other fintech apps.

Self Lender — An alternative way to build credit back by saving. Their “credit builder account” offers a CD (certificate of deposit) that you *pay into* every month until the term is up, all the while recording your good payment history. It’s not free, but it could be a good option for anyone struggling hard w/ their credit right now.

Qoins (FREE) — Similar to Acorns, this app rounds up all your daily transactions to the nearest dollar, and then applies the difference straight to your debts. I don’t know why this is the first app that’s offered this over the years (??), but of course I’m loving it! Anything that gets you to take action is good, even if it’s just a handful of dollars each month!

Tip Yourself (FREE) — An app that allows you to transfer small dollar amounts from your checking account to a Tip Jar so you can reward yourself anytime, anywhere, whether it’s just $1.00 or a larger amount for something special! Been following these guys for over a year now and REALLY like what they’re doing. So easy and uncomplicated!

Debitize (FREE) — If you’ve ever wanted to mix the benefits of both credit cards and debit cards (credit cards for the rewards, and debit so the bill doesn’t rack up!), this is the tool for you. Debitize monitors your credit cards for new activity, and then automatically initiates a transfer out of your checking account into your Debitize account whenever you make a charge. When your credit card bill comes due, Debitize pays it for you – automatically and on time – with the funds from your Debitize account. So you still go about your business using credit cards as normal, but now without the fear of not having the $$$ in your account to pay for it at the end of the month.

Honey (FREE) — One of the easiest ways to save while shopping online. Download the browser extension once, and then at check out click the Honey button and it’ll automatically scour the internet for coupons, and apply each one of them to your cart until it finds the one with the most savings. Sometimes it’s $1.00, and others $10.00 (depending on what you’re buying), and in all cases it literally only takes like 15 seconds. I’d say it finds me something about 50% of the time.

Digit (Free for 100 days, then $2.99/mo) — My all-time favorite, despite them now charging $2.99/mo for it. Attach your bank accounts with them one, and then have their digital robots analyze your income/expenses and automatically transfer out a few dollars here and there that they know you won’t miss. They’re one of the pioneers in this automated savings game, and I believe in their vision so much that I actually joined their board of advisors! As of January of this year, BudgetsAreSexy readers who have signed up to them have saved $4,608,568.32 – pretty wild!

Acorns — My 2nd all-time favorite app, that rounds up all your transactions and drops the spare change into a diversified portfolio of funds for you. They’re one of the first apps to ever offer this, and in combination with Digit you’d have a helluva system already going in tandem :)

And then lastly, Personal Capital (FREE) — One of the PF world’s favorite fintech company which helps you visualize your entire financial picture all in one spot. Connect up your accounts one time, and then get immediate insight into your spending, income, investments, and our personal favorite – net worth. It’s a turbocharged Mint.com, only geared towards investing more so than budgeting.

So there you have it – 15 hot apps & services out there ;)

Meant to just stick to the top 4, but oh well haha…. Better chances that you find something new you like, eh? And to think how far we’ve come since this:

Happy $$$ growing!!

******** Needless to say, most of these apps/reviews above include affiliate links which means I’ll benefit financially if you end up signing up to any of them. As you know from over the years though, I only sharecompanies I love and use myself, or those I think will greatly help others in different situations than I’m in (like the debt apps). In either case though, I never share anything just for the payout and do my best to provide value to y’all. Please let me know what you think whenever you sign up to any of them, or if you’d like me to check out other apps out there you find are powerful!

4 Hot New Financial Apps & Services On The Scene posted first on http://ift.tt/2lnwIdQ

[heliosfinance]

4 Hot New Financial Apps & Services On The Scene

I’ve been coming across a LOT of great financial apps and services lately, so thought we’d do a round up of some of my favorites here – cliffs note style :)

All of these apps/services below are either new-to-me, new in general, or up and coming and looking like they’re about to change up the game here… And believe me, I’m getting a greaaaaat handle on what’s going on in our blogging community as I’ve started scanning EVERY SINGLE BLOG POST our industry puts out EVERY SINGLE DAY! Roughly 200-250/day.

You can do the same, if you have hundreds of hours to spare ;) –> http://ift.tt/2pXksnE

Hope you find this helpful!

#1) Bloom — A way to automatically optimize and manage your 401(k)

This one’s my #1 favorite on the list because a) I could have used it a TON back in my employment years!! and b) Hardly anyone is doing this right now – but it affects millions and millions of people.

Ever wondered what the hell you’re doing with your 401(k) or 403(b)/401(a)/457 accounts? Then this is the company for you. For $10/mo Blooom will not only make sure you’re invested into the right – lower cost – funds for your situation, but also physically *manage it all* for you so you literally don’t have to do a thing anymore (though of course it’s always good to know what’s going on and stay in control).

You sign up once, get your free analysis of how your account is looking currently, and then either go away and continue managing it all yourself (accepting their recommendations or not) – OR – continue forward and let them do all the monitoring and heavy lifting for you from now on.

Everything is handled by certified financial advisors who you get direct access to (a nice perk in its own), and they never make any changes without asking your permission first.

And the best part? They can’t put you in any random or outside funds or upsell you on anything because there’s nothing to upsell you on! You’re limited to the funds that your employer has hand-picked for you to choose from, for better or for worse, so it’s just a matter of optimizing them in the best way for you.

If you’re already comfortable managing your 401(k) and don’t need any help, then Blooom isn’t for you. If you prefer to have someone else do it for you while keeping you in the loop, then I’d def. check them out.

You can learn more get your free analyzation here: Blooom.com ($10 flat rate per month)

#2. Chime – a simple online bank w/ built-in app features!

This is one of the first banks I’d check out if I wasn’t such a fanboy of USAA. Similar to Simple Bank who we’ve featured here before,  Chime gets how ridiculous Big Banks treat their customers and wants to make the banking process as easy and helpful as possible.

Without fees, without hidden costs, and definitely without headache.

What separates them from the other online banks though is their understanding of how much we LOVE our apps and features coming out left and right. Their vision is to have everything in one centrally located and connected place where you don’t need a bank plus 15 other apps to log into to get $hit done. You just have one – Chime (in their perfect world :)) – and you’re good.

They’re still a ways away from this, but they’ve already rolled out some of the more popular savings tricks from apps which is currently available to anyone with a Chime account. Here’s a list of some of their features:

Save When You Spend – Similar to Acorns and other “round up” applications, Chime will help you save more by rounding up all your transactions to the nearest dollar every time you buy something. They’ll then automatically transfer the difference right into savings for you.

Save When You Get Paid – You know how everyone tells you to “pay yourself first?” Well, this does exactly that. Activate this feature once, and then chime will automatically transfer 10% of every paycheck in the future right into your savings account before you even have a chance to spend it. Nice and simple (and smart).

Early Direct Deposit – This one I’ve never heard of before (?), but basically if you’re a member of Chime and your employer directly deposits your paychecks every payroll, you can sometimes see your money show up in your Chime account up to two days faster than normal. Again, never seen this before as I’ve been out of the 9-5 world for a while, but sounds kinda cool?

Pay Friends – Lastly, Chime makes it super easy to xfer money between friends with a click of some buttons.

You can find more info about Chime here: ChimeBank.com (FREE / BudgetsAreSexy readers get $5.00 bonus at sign up)

(They also have a pretty cool sister site where people can see how much they’re *really* spending in nonsense fees the Big Banks out there: BankFeeFinder.com. Even if you’re not in the market for a new bank, I highly encourage you to run their analyzation anyways so you can see exactly what’s going on with your current bank! Some of them are good at hiding stuff! (I’m looking at you, Bank of America))

#3. Trim – a personal financial assistant that saves money for you

While not exactly an *app* (Trim works through text messaging and Facebook Messenger), they act in pretty much the same way. And particularly, to better help you save money.

They do this through four ways:

#1. Trim Financial Manager – Hook up your bank accounts once, and then Trim will analyze your transaction history and allow you to do a number of pretty slick things right there directly through them:

Cancel any unwanted subscriptions (and let you know what subscriptions you even have!)

Set spending alerts

Get balances

Find out how much you spent on Netflix/etc last month

And even fight fees automatically with your bank

#2. Trim Savings – Connect your Visa card to them through FB Messenger (must be a Visa, and must go through FB Messenger), and then get the following free perks:

Coupons that automatically get applied to your card

$1.00 on any grocery purchase greater than $5.00 (you’ll get 10 of these)

$1.00 on any dining purchase greater than $5.00 (you’ll get 10 of these too)

$10.00 on any movie purchase greater than $20.00 (you’ll only get 1 of these)

In total you can nab $40.00 of cash back, again – only through your Visa card.

#3. Trim Comcast Negotiator – Sign up through either FB Messenger or text message, then connect your Comcast bill and credit card you use to pay it with, and Trim will start negotiating it down on your behalf. If they succeed in saving you money, they take 25% of the savings for the first month only, and then you get to keep all the rest, and if they fail they don’t charge a thing. They say the average savings is between $5.00 and $50.00 every month – PRETTY COOL!!!

#4. Amazon Price Patrol – Lastly, Trim will monitor your Amazon transactions if you want them to, and then anytime they find a discrepancy in the price you paid vs the current price of an item, they’ll automatically go out and get you a refund for the difference. It’s very similar to Paribus if you remember our review of them the other year, but it’s also still in beta mode so may be a little wonky until they get it all streamlined. Still, another cool task to give to robots while we’re out living enjoying our lives ;)

You can learn more about all these features here: AskTrim.com (FREE, except for the Comcast commission part)

#4. Stockpile — A way to buy fractional shares of stocks

I’m going to cheat with this one and share a pretty infographic instead of writing up a summary :) These guys have popped up almost every single day since starting our Blogger Feeds Tracker, so either they’re really great at marketing, or they’re starting to take off (or a little of both?)

Either way, here’s what they’re about below. The gifting option is my favorite! Much better to receive a gift of stock than another random tschotske or toy right?? Especially for kids?

Click here to learn more: StockPile.com (99 cents/trade, BudgetsAreSexy readers get $5.00)

And those are my 4 latest favorites in the fintech world!

More and more are coming out every day which is AWESOME (we need as much help as we can get!), so I’ll try and be better about doing more of these roundups around here. I wanted to do full in-depth reviews of all these guys, but it just wasn’t happening so hopefully this is enough for you to go on :)

Here’s a list of some of our past reviews over time too, in case you’ve missed any:

WealthSimple — A financial company that helps you build a portfolio of low-fee funds (ETFs), without charging you an exorbitant amount to do so. They’ll then manage it all for you, help you grow it, and offer advice along the way.  So pretty much a “robo-advisor”, just without any minimum balance requirements and set up to be as simple as possible.

brightpeak financial (FREE) — A division of Thrivent Federal Credit Union that rewards you for saving money into their “emergency savings account” (such a perfect name for an account, right?) Stash $50/mo into it for two years, and brightpeak will drop an additional $100 into it for you.

Clarity Money (FREE) — A new app that claims they’ll be killing Mint.com (hah!). Hook up your accounts with them once, and then Clarity will analyze all the data and make suggestions on how to better optimize and save your money. But rather than just telling or showing you what to do, you actually have the ability to *take action* there directly in the app – the major difference between them and most other fintech apps.

Self Lender — An alternative way to build credit back by saving. Their “credit builder account” offers a CD (certificate of deposit) that you *pay into* every month until the term is up, all the while recording your good payment history. It’s not free, but it could be a good option for anyone struggling hard w/ their credit right now.

Qoins (FREE) — Similar to Acorns, this app rounds up all your daily transactions to the nearest dollar, and then applies the difference straight to your debts. I don���t know why this is the first app that’s offered this over the years (??), but of course I’m loving it! Anything that gets you to take action is good, even if it’s just a handful of dollars each month!

Tip Yourself (FREE) — An app that allows you to transfer small dollar amounts from your checking account to a Tip Jar so you can reward yourself anytime, anywhere, whether it’s just $1.00 or a larger amount for something special! Been following these guys for over a year now and REALLY like what they’re doing. So easy and uncomplicated!

Debitize (FREE) — If you’ve ever wanted to mix the benefits of both credit cards and debit cards (credit cards for the rewards, and debit so the bill doesn’t rack up!), this is the tool for you. Debitize monitors your credit cards for new activity, and then automatically initiates a transfer out of your checking account into your Debitize account whenever you make a charge. When your credit card bill comes due, Debitize pays it for you – automatically and on time – with the funds from your Debitize account. So you still go about your business using credit cards as normal, but now without the fear of not having the $$$ in your account to pay for it at the end of the month.

Honey (FREE) — One of the easiest ways to save while shopping online. Download the browser extension once, and then at check out click the Honey button and it’ll automatically scour the internet for coupons, and apply each one of them to your cart until it finds the one with the most savings. Sometimes it’s $1.00, and others $10.00 (depending on what you’re buying), and in all cases it literally only takes like 15 seconds. I’d say it finds me something about 50% of the time.

Digit (Free for 100 days, then $2.99/mo) — My all-time favorite, despite them now charging $2.99/mo for it. Attach your bank accounts with them one, and then have their digital robots analyze your income/expenses and automatically transfer out a few dollars here and there that they know you won’t miss. They’re one of the pioneers in this automated savings game, and I believe in their vision so much that I actually joined their board of advisors! As of January of this year, BudgetsAreSexy readers who have signed up to them have saved $4,608,568.32 – pretty wild!

Acorns — My 2nd all-time favorite app, that rounds up all your transactions and drops the spare change into a diversified portfolio of funds for you. They’re one of the first apps to ever offer this, and in combination with Digit you’d have a helluva system already going in tandem :)

And then lastly, Personal Capital (FREE) — One of the PF world’s favorite fintech company which helps you visualize your entire financial picture all in one spot. Connect up your accounts one time, and then get immediate insight into your spending, income, investments, and our personal favorite – net worth. It’s a turbocharged Mint.com, only geared towards investing more so than budgeting.

So there you have it – 15 hot apps & services out there ;)

Meant to just stick to the top 4, but oh well haha…. Better chances that you find something new you like, eh? And to think how far we’ve come since this:

Happy $$$ growing!!

******** Needless to say, most of these apps/reviews above include affiliate links which means I’ll benefit financially if you end up signing up to any of them. As you know from over the years though, I only sharecompanies I love and use myself, or those I think will greatly help others in different situations than I’m in (like the debt apps). In either case though, I never share anything just for the payout and do my best to provide value to y’all. Please let me know what you think whenever you sign up to any of them, or if you’d like me to check out other apps out there you find are powerful!

4 Hot New Financial Apps & Services On The Scene published first on http://ift.tt/2ljLF4B