By Tom Twardzik
Sometimes, the difference between a successful day of work and a frustrating one is a set of efficient, uncomplicated tools. For someone working from home or otherwise away from the office, the primary tool set is often a computer. A standard word processor, a default email client and the desktop sticky notes might be enough to complete your tasks, but a more personalized and powerful desktop will boost your productivity and overhaul your creative process. The Mac apps below highlight the best ways to upgrade your tool set for a more efficient home or remote office.
What are some of the most basic actions you perform on your computer? Copy-and-paste and resizing and arranging windows. Saving a fraction of a second every time you perform these actions adds up quickly, and several apps will help you do that.
Magnet has been at the top of the paid apps chart for months. This $0.99 utility gives your desktop more than a dozen shortcuts for resizing and arranging the windows on your screen. Whether you're on an 11" laptop or a 27" iMac, Magnet snaps any window into size and position with a number of keyboard shortcuts. It makes decluttering your digital workspace much simpler than decluttering your desk will ever be.
iPaste is another must-have utility that lives in the background and automatically stores your recent clipboard. It saves what you ask it to save and makes it available in a pop-up menu through a keyboard shortcut. And it does it for free. So you can copy three separate sentences of an article and paste them separately instead of flipping back and forth between windows, copying and pasting three times.
It's the little things.
Idea-sketching and planning
There are hundreds of brainstorming, note-taking and to-do list apps available on and off the app store, but there are few standouts who do it all in one. Fed up with Evernote's subscription model but still willing to pay? Try Notability, the Mac version of iPad's ultimate idea space. Type, draw, annotate, record audio, add photos and PDFs—it does everything. For $10 and no subscription, it'll quickly replace all of Evernote's functionalities.
Or, for a free alternative, go for Microsoft's OneNote. The only catch here is that you'll have to create a (free) Microsoft account. OneNote offers a toolset similar to Notability (if a bit less polished and more… Microsoft). It offers a powerful notation space, especially for anyone already in the Microsoft ecosystem.
For a more structured planning app, Agenda is a great alternative to Trello. It's a date-focused notes/journal combination that incorporates your calendar to offer a to-do list, note space and calendar on one screen. Seeing previously completed to-dos and past dates in the same line as future events is surprisingly helpful. It adds temporal context to every glance at your upcoming tasks and notes. $25 gets you all of the synching and exporting features not included in the free app.
Maybe you're looking for a pure, simple, full-featured, free to-do list to replace Todoist, Things or any of the other paid or subscription-based apps out there. Enter Wunderlist. Not only does it offer all of the features of the others for free (including sync, subtasks and an Apple Watch app), but it has collaboration features, too. Use it to manage all of your own projects or set up your coworkers or family with access to shared lists to split up the workload.
Speaking of collaborating, you might be searching for a change in routine to boost creativity or energize your team. A new app could be the solution, a replacement for Slack or Trello or Google Drive. Try Notion. It's a free, universal notes/to-dos/wiki app that works on desktop, mobile or in-browser on any computer. You can work offline, sync between devices, invite your team to workspaces and collaborate in real time. It looks great, too. There is a paid pro tier that removes limits on card numbers and upload sizes, but the free version has plenty of features for a small team.
Collaborating with a small team is easy with an app like Notion, but email still dominates working from home or out of office. It's often a necessary drudge, but make it easier on yourself with Spark. This free email app from Readdle offers features like email snooze, send scheduling, swipe shortcuts, pinned messages, tons of smart folder options and more, all with the goal of reaching Inbox Zero. Spark wants to change your habits from leaving thousands of old, unread messages in your inbox to archiving or deleting those messages and leaving only the messages you need in your inbox or in a folder. The snooze feature, alone, makes it worth downloading.
All of these time-saving productivity apps lead to one thing: the work. Two app highlights are worth mentioning: Be Focused and iA Writer.
Be Focused is a tiny timer app that lives in the menu bar as a stopwatch icon. Set the timer and ��click start, and the app simply counts down. It doesn't block social media or lock you into a writing screen like other apps. It is not a restriction or a monitor, but a reminder to break up your work into blocks and take short breaks in between those blocks. You'll see that this psychological trick helps quite a bit.
iA Writer is an essential tool for anyone whose work involves a significant amount of writing. It presents a beautiful, simple, powerful, Markdown-compatible writing space and brags a feature called "Focus Mode." When you enable it, this mode dims all of the text that is not the current sentence (or paragraph, or whatever you choose) so that your eyes remain on the current thought. It drives the work forward by avoiding the editing-while-writing quicksand. iA Writer can also highlight syntax in different colors, revealing your love of adverbs or repetitive verb use. And it has "Night Mode," a white-on-black theme that saves the eyes during late-night projects.
In the end, the work is up to you. But you can help yourself finish projects more quickly and efficiently with the help of the apps above.
Tom Twardzik is a writer covering personal finance, productivity and investing for Paypath. He also contributes pop culture reviews for Popdust and travel writing for The Journiest. Read more on his website and follow him on Twitter.
The National Financial Educators Council (NFEC) surveyed young adults in 2017 and asked them what high school level course would benefit their lives the most.
The majority responded that money management was the course that would be most beneficial.
With personal debt is at its highest record and COVID-19 threatening to have the hardest economic effects on youth, understanding money and finances is an important life lesson that should be taught to children at a young age.
The following is a list of the best financial literacy lessons and tips to teach children throughout different life stages.
I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.
There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).
After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.
It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.
That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.
I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.
Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.
Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).
More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.
The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.
I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.
My buddies and I always try to make it out to a game, but we never really care which one we end up at. Obviously we have our favorite sports and teams, but it was rarely about what game we went to or who we saw playing. It was about watching the game live.
In the early months of lockdown, all we had was Korean baseball, and trust me, we loved it. The only issue was, none of us had any idea what the commentators were saying. Even then, a few of my friends weren't huge fans of baseball. They were into sports like football and basketball, ones that moved at a quicker pace with less down-time in between plays.
We decided to see if there were any other events going down and came across horse racing. Yes, horse racing. It was perfect--short, fast-paced, and most importantly, an opportunity for betting.
I had never really considered watching a horse race any time other than the Belmont Stakes, but the prospects of the sport seemed exhilarating. Even better, with horse racing we knew we could still recreate the atmosphere of a race track. Salty snacks? Check. Stale beer? Check. A simple and easy way to bet? Check.
One quick Google search later, we came across TVG, powered by FanDuel. It's an online betting platform that takes you right to the heart of the action. We were a little apprehensive about using a mobile app to place our bets, but TVG's ability to bet on live horse races from all over the world was too good to pass up.
Here are 5 reasons why we are obsessed with horse racing thanks to TVG:
1. Betting has never been easier
Use your phone or computer to watch and bet on live horse races in real-time. TVG offers a bunch of features to make betting even simpler--live odds and handicapping tips leverage recent learnings to help you make your best bet. Not to mention, TVG's exclusive race content and wagering guide offers an under-the-hood look into the strategy behind horse race betting.
2. The biggest selection of horse races out there
If you're looking to drop a little dough on a horse race, chances are your best option is your local race track. But watching the same few horses races over and over again isn't the most exciting thing. With TVG you have access to over 150 tracks worldwide with races happening consistently throughout the day.
3. Get a generous sign-up offer when you place your first bet
Once you register your account, you will be eligible for a $200 risk-free bet. All you have to do is place your first bet and you're covered. If you happen to lose, TVG will insure you for up to $200 as a sort of wagering credit. I may have been a little trigger happy when placing my first bet, so having this insurance was a great perk. There are also a bunch of promotional offers available year-round.
4. Making deposits and cashing out at the touch of button
With a ton of payment options such as PayPal, BetCash, debit/credit, wire transfers, and other third-party services, making a deposit is a breeze. But what about the payout? Depending on your deposit method, your withdrawal will be available in a few days. No more waiting in-line to collect your winnings!
5. Watching live races with your friends while betting is exhilarating
Even when we were watching Korean baseball, Zoom calls with my friends were a little dull.
With TVG, we haven't had this sort of fun in months! Every weekend we'll turn on a race and throw our bets in. After a few races, and quite a few drinks, we'll tally up our winnings to see who won the most! Sometimes it's not even about making money, but just having a good time.
TVG is the perfect way to add a little excitement to an otherwise mundane afternoon. It introduced me to the world of horse racing, a sport I never would have considered otherwise.
The races just keep ramping up and thanks to TVG, I can always get in on the fun.