Via cnet.com

The new versions of the iPhone are all we're hearing about as of late with the iPhone 8 and iPhone 8 Plus having just hit the shelves. People have pre-ordered or have awaited the big release date to get the latest and (supposedly) greatest rendition of the innovative smartphone.

Via businessinsider.com

The iPhone is universally appealing and Apple lovers tend to upgrade as soon as a new version comes out, willing to spend their hard-earned money on the latest hand-held gadget. Spending for the phone itself is one thing, but what about the plan? That's where many people get hit harder than expected in the wallet by making misinformed or impulse decisions as to which plan to choose.

WalletHub, the personal finance website, has released some valuable information and statistics related to iPhone plans with tips for plan selection and ways to save a considerable amount of cash. What good is a new phone if you can't afford to use it? As per the finance site, choosing the right family plan with new iPhones can save a consumer up to $1,684 if they go with the most affordable carrier and contract option from Walmart Family Mobile. And individuals can pocket up to $917 by going with a no-contract plan from Walmart Family Mobile.

Via cnet.com

Naturally, purchasing the newest iPhone model is always on the minds of Apple users, but WalletHub notes the major savings attributed to keeping one's old phone and switching to the Walmart plan. According the WalletHub, individuals can save up to $1,495 and families can save over $2,200. With savings like that, the iPhone 8 and 8 Plus suddenly seem not quite as exciting.

All the major cell carriers offer varying plans with contracts available, no-contract deals, installment plans, and other plan options. Deciding on which to go with and which makes the most sense for you and your family can be confusing and overwhelming. Before you get stuck in a less-than-desirable contract or spend unnecessary money, it is advisable to review WalletHub's Cell Phone Savings Calculator to compare plans and price points for a 2-year period. Find insight on the plans offered by AT&T, Sprint, T-Mobile, Verizon, Walmart Family Mobile, and Boost Mobile for both their individual and family plans. As per WalletHub, "Total costs are based on the accounting principal of Net Present Value."

So, before you run out and ditch your old iPhone for a shiny new iPhone 8 or 8 Plus, calculate the costs and see if getting a new phone and/or new smartphone plan is a smart move. With the money you can save, you'll be able to upgrade to the iPhone X before you've had time to break in the 8!

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Airbnb is a great option while traveling, but you should protect yourself from damage charges from unscrupulous hosts.

Airbnb offers an affordable option for people looking to be more comfortable as they travel.

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And while most reputable hotels will have regular room inspections from staff to check for any wear and tear, Airbnb damage disputes are oftentimes he said, she said situations. If you are in an Airbnb and something breaks, there are a few steps you should take in order to ensure that you are not on the hook for damages out of your control.

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Long gone are the days when the majority of Americans dreamed about owning a home with a white picket fence.

The traditional American Dream may be on its deathbed, but that doesn't mean a core component of the vision can't survive. It simply takes a diverse perspective. People can still believe they can attain their own vision of success in society with hard work, knowledge, and risk-taking. Investing in today's American Dream may literally mean investing money in our modern economy, starting with our infrastructure.

Real estate investing in particular is a lucrative method that can boost income and secure a better financial future for many. There's always risk involved, but the payoffs can far outweigh the uncertainty. Selecting solid financial investments is about confidence and competence. If you're looking for some advice on this kind of investment, here are a few savvy tips for new real estate investors.

Stick To a Specific Strategy or Niche

Real estate is a challenging sphere of the business world, one that requires several key skills: groundwork knowledge, networking, perseverance, and organization. True knowledge of the real estate market will come with time and experience, but it's a smart idea to select one area of the market and stick to it. This is the best way to attain in-depth familiarity with your specific niche.

First, choose a geographical area close by and then a niche strategy within it, such as house flips, rental rehabs, or residential or commercial properties. By doing so, you can become aware of current inner working conditions in the market and you'll have a better idea of how these trends may change in the future.

Be Vigilant About Viable Financing Options

While it takes money to make money, you don't have to use all your own money. A common misconception about real estate investing is that you must be wealthy to start off. This isn't straight fact, however. A majority of people can test the waters of real estate investing without a lot of initial cash in their pocket.

Aside from traditional financing options from banks and institutions, private lending options can be worthy solutions. Hard money lenders are popular, reasonable choices, and they tend to have fewer qualification requirements upfront. However, be sure to strategically choose a hard money lender to find the best possible fit.

Master the Art of Finding Good Deals

There may be hundreds of thousands of available properties for sale on the current market, but the bulk of them will never amount to the final money-making result you desire. Another great tip for new real estate investors is to use good math to estimate profit. Taking risks is part of the process, but you have the ability to analyze properties and use networking sources to find the greatest deal. You can't win every deal, but you can steadily work towards a thriving financial future.