Money Watch – Personal Finance Blog

Welcome to the myEquifax app:


Register for your free Equifax Basic account to access your motor finance agreements, right from your phone. On top of that, we’ll include a monthly update of your Equifax Credit Score and access to your Statutory Credit Report.

To access your motor finance agreements - you’ll need to sign up to Equifax Basic™ - all completely free after downloading the app. You’ll be provided monthly access to your Equifax Credit Score and your Statutory Credit Report as well as a simple way to view historical motor finance agreement information. No cost, no catch, no card required to sign up.

Features of the myEquifax app
- Car Finance Checker: View information related to your motor finance agreements.
- Equifax Basic Subscription: Register for a free Equifax Basic subscription in the app.
- Monthly Equifax Credit Score: Get your Equifax Credit Score (out of 1000) refreshed every month upon login.
- Safe to Check: Checking your score and report through Equifax Basic will not harm your credit rating.
- Your Statutory Credit Report: Access a basic view of your credit history, completely free of charge. This is the information lenders use when assessing credit applications and can only be viewed on equifax.co.uk.


Please note: Information on your motor finance agreements in the Equifax app does not constitute confirmation that you are entitled to compensation.
If you wish to raise a complaint regarding motor finance commission, your next step would be to contact your lender(s) directly. The FCA has confirmed that you do not need to use a Claims Management Company (CMC) to do this.

Take control of your money and tax with the HMRC app

It’s secure, free to download, and easy to use. Get on it, and join millions of people already saving time with the HMRC app.

Key Features:
- Quick setup: sign in using face recognition, fingerprint scan, or a six-digit PIN
- Stay in control: check your tax code and see your pay before it even shows in your bank, so you know you're paying the right amount
- Claim a tax refund: find out if you’re due any tax back from us and quickly claim a refund if you’re owed one
- Check your State Pension: see how much State Pension you could get, when you can get it and how to increase it, if you can
- Self Assessment: a safe and secure way to make Self Assessment payments and get information you'll need to file
- Child Benefit support: claim, manage, and update your Child Benefit details
- National Insurance: find and save your National Insurance number so you have it when you need it
- Go paperless: opt to receive key messages from HMRC online

Download the HMRC app today and stay on top of your money and taxes

UK's #1 app for active trading & long-term investing.* (75% of retail CFD accounts lose money when trading with this provider)
Access global financial markets commission-free and hassle-free.
Start with a free, lifetime practice account with virtual money.

Trading 212 Invest & ISA:

- Unlimited commission-free trades;
- 13,000+ Real Stocks and ETFs from the UK, the US, Germany, France, Spain, the Netherlands and others;
- High interest on your uninvested cash: 3.8% on GBP, 2.2% on EUR, 3.30% on USD, and more. Paid daily. Terms apply.
- Multi-currency account: deposit, invest and earn interest in 13 currencies;
- Fractional shares, Pies and AutoInvest: create a diversified portfolio and invest automatically, reinvest dividends, or copy popular portfolios;
- Trading 212 Card - experience revolutionary low exchange rates;
- Extended hours trading with fractional shares;
- 24/5 trading for US stocks: non-stop market access from Monday until Friday via more trading sessions;
- Portfolio transfers: transfer shares from and to other brokers. Free of charge;
- Trading 212 community: see how others invest;
- Uncompromising, direct trade execution - we don’t sell your order flow.

Trading 212 Cash ISA:

- 3.60% AER (variable tracker rate), earned daily, paid monthly;
- Flexible - withdraw anytime;
- Completely free - no account fees.

ISA accounts are provided by Trading 212 UK Ltd.


Trading 212 CFD:

- 9,000+ CFDs on Stocks, Forex, Gold, Silver, Oil, Indices and more;
- Competitive spreads even at news time;
- Smooth and easy to use charts for technical analysis, powered by TradingView.

...and always an outstanding live customer service, responding within seconds.

Investments can fall and rise. You may get back less than you invested. Past performance is no guarantee of future results. CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 75% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.


Trading 212 provides execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions.


Zero commission refers to no broker fee being charged for buying or selling shares.
FX fee of 0.15% applies when buying or selling securities denominated in a currency different from that of your Trading 212 account.


* Based on statistics by data.ai as of January 2025.


Trading 212 is the following companies:

Trading 212 UK Ltd. authorised and regulated by the Financial Conduct Authority (Register number 609146).
Trading 212 Markets Ltd. authorised and regulated by the CySEC, Cyprus (Register number 398/21).
FXFlat Bank GmbH is authorised and regulated by German Federal Financial Supervisory Authority (BaFin) (BaFin ID number 10109603).
Trading 212 AU PTY Ltd. authorised and regulated by the Australian Securities and Investments Commission (License number 541122).
Trading 212 Ltd. authorised and regulated by the FSC, Bulgaria (Register number RG-03-0237).

Seller: Trading 212
Address: Aldermary House 10-15 Queen Street, London, EC4N 1TX

Monzo is the digital banking app that rewards you for being you. With one app to manage all your finances, in real time.
CASH BACK FOR ALL
Get cash back on all your purchases for your first month*. 5% cash back with Preferred account. 1% cash back with free Everyday account
Cash back means cash: withdraw, spend or save it.
Cash back is instant, straight into your account or Savings Jar.
Instant access to cash with our network of 38,000 free ATMs across the US.
Real-time notifications each time you spend on your debit card.
Set a target for how much you want to spend and we’ll help you stay on track.
NO STRESS SAVINGS
With a Preferred account, get our best savings rate of 3.75% APY. With an Everyday account, you’ll receive 2.00% APY.¹
Earn interest on every goal. No catch, no small print. Just instant access savings and smart tools to help you reach your goals faster.
Set aside money for trips, bills, emergency funds and more in a Savings Jar.
Set a goal on a Jar and we’ll show progress as you save. Tell us when you want to reach your goal, and we’ll do the math to figure out how much you need to deposit each day, week or month.
Automatically contribute a portion of your paycheck towards your goals.
Turn your spare change into savings with automatic roundups.
ONE APP FOR YOUR FINANCES
Connect all of your accounts and cards for a big picture view of your finances. You can connect all your accounts on with Preferred.
Get money saving insights across all your bank accounts and credit cards.
Get paid early with a direct deposit.
Your money is eligible for FDIC pass-through insurance up to $250,000
SERIOUSLY SECURE
Your money is eligible for up to $250,000 in FDIC pass through insurance.2
Anti-fraud systems that make sure your money is safe, without adding friction for you.
Protect your money with Touch ID, Face ID, and PIN.
*A Monzo Preferred account may be required to access certain features. Other terms apply.

The Monzo Mastercard Debit Card is issued by Lead Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
¹As of June 18, 2025, the Annual Percentage Yield (APY) accrued from Monzo’s Savings Jar is 3.75% with a Monzo Preferred subscription and 2.00% APY for Monzo Everyday users. Interest rates are variable and may change. Fees may reduce earnings. The interest comes from us, not Lead Bank. Your total Savings Jar balance is capped at $100,000.
2Your funds are held at Lead Bank, Member FDIC. Though Monzo is not an insured bank, money in your Monzo account is eligible for pass-through FDIC insurance that would protect up to $250,000 in the unlikely event that Lead Bank fails. Certain conditions must be satisfied for pass-through FDIC deposit insurance coverage to apply, which you can learn more about on fdic.gov.
Registered address: Monzo Inc, 447 Sutter St., Ste 405 PMB1025, San Francisco, CA 94108

Join the 70+ million customers worldwide who use our app to spend, send, and save smarter.

Make your spend, well-spent
Pay any way, with physical cards, virtual cards, single-use virtual cards for extra protection, Google or Apple Pay
Spend abroad with great exchange rates (fees additional to the rate provided may apply)
Access 55+ K in-network ATMs worldwide with no fees
Link your external bank accounts to stay on top of all your spending
Design a physical card you vibe with (fees may apply).

Set your kids up for financial success. Get them a Revolut ＜18 account, with their own card, so they can learn about money in a safe and fun way

Send money near, far, wherever they are
Request or send 25+ currencies with a tap to anyone, anywhere
Chat, send, and receive money, in one place. Whatever your plans, transfers are almost instant between your Revolut friends with P2P payments
Split and settle bills in one place. You can even share a fun GIF to diffuse any tension

Save the interest-ing way
Grow your money with up to 4.25%* APY with Savings Vaults, Access your savings whenever you need to, with zero penalties or fees
Build your savings effortlessly — set up recurring transfers and round up spare change to stash cash

Explore Stock Trading (capital at risk)
Start trading stocks from $1 (other fees may apply)
Choose from 2,000+ stocks to invest in some of the world's most popular companies
Enjoy no-commission stock trading within your monthly allowance (other fees may apply)

All investments involve risk, including possible loss of principal. Investment accounts and disclosures may be displayed together. Self-directed brokerage products are provided by Revolut Securities Inc., member FINRA/SIPC. Brokerage Products • Not FDIC Insured • No Bank Guarantee • May Lose Value. Automated investing is provided by Revolut Wealth Inc, an SEC-registered investment adviser.

End the overspend
Get instant spending notifications to keep track of every payment
Use smart budgeting and analytics tools to stop wondering where your money went, and start telling it where to go
Worried about missing upcoming payments or subscription charges? Don't be — we'll notify you beforehand
Upgrade to one of our paid plans to get exclusive cards, more benefits, and even cooler perks. Pick the plan that's right for you: Premium or Metal (Paid Plan T&Cs and subscription fees apply).

Unlock security features that you control
Freeze and unfreeze your card in a tap
Use single-use cards with new details generated each time you use it, for an extra layer of protection
Set spending limits and get notifications to keep track of your money

How we protect your money
Our sophisticated fraud prevention system flags high-risk transactions and pings you an alert, so you can spot scams, and nip 'em in the bud
Extensive identity verification keeps sign-ups secure, and your account is protected with passcodes and biometrics
We're available 24/7 via our in-app customer support

Funds in your Revolut Prepaid Card Account are held at or transferred to Lead Bank, Member FDIC, and are insured by the FDIC up to $250,000 applicable limits by the FDIC in the event Lead Bank fails if specific deposit insurance requirements are met. See FDIC-Prepaid Cards and Deposit Insurance Coverage.

California Privacy Notice: https://www.revolut.com/en-US/legal/privacy

*The highest APY is available to users on a Premium or Metal plan. Annual Percentage Yield (APY) is a variable rate and subject to change. These APYs are accurate as of October, 20th, 2023. Monthly fees apply for Premium and Metal plans. Terms and Conditions Apply. No minimum amount required. Savings Vault services provided by Sutton Bank, Member FDIC

Revolut Ltd (No. 08804411) is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 (Firm Reference 900562). Registered address: 107 Greenwich Street, 20th Floor, New York, NY 10006

Earn money as an online tester? As often and whenever you want?

Join Germany's largest platform for paid online jobs and join over 2,900,000 online testers.

After signing up for free, you'll immediately have access to countless online surveys.

- Earn over USD 850 directly after download, whether on the go or from the comfort of your home, maximum flexibility guaranteed.
- Choose from the largest assortment in the German-speaking area, orders that fit you exactly.
- You will be regularly invited to the latest surveys.
- Orders with multi goals allow you to achieve higher earnings through continuous testing.
- Fast and secure payout: Get paid within 24 hours.
- Upgrade to a premium tester and earn exclusive access to higher-paying assignments.
- Tested, Verified, Recommended! We value authenticity and trustworthiness. Not for nothing we are recommended by Verbraucherschutz.de. In addition, testerup.com is certified with the TÜV - eKomi rating of 4.3/5.

Say hello to better credit, and better banking. Manage your credit card and stay on top of things 24/7, wherever you are with the Vanquis app. It’s fast, secure, and fuss-free. Like it should be.

You'll be able to:

• View your current balance and available spend
• Check your latest transactions including pending transactions and payments
• Set up and manage Direct Debits through the app
• Make payments to your account using a debit card
• View your pin number and your card details
• Approve online spending
• Update your address, phone numbers and email address
• Report your card as Lost or Stolen
• View and download monthly statements
• If eligible, check out our latest offers including Balance Transfers, Money Transfers and Credit Limit Increases

FLEXIBLE WAYS TO PAY
Shop anywhere in the app with flexible payment options. Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.¹

SHOP WITH THE KLARNA CARD²
Pay with Klarna anywhere Visa is accepted. Pay now or pay later with the card. No credit impact to apply. Unlock exclusive benefits with a membership.

UP TO 10% CASHBACK
Shop in the app and earn up to 10% cashback.³ Get cashback at hundreds of stores.

USE KLARNA WITH APPLE PAY
Split the cost with Klarna on Apple Pay, available in-store and online.⁴

KLARNA MOBILE
Get reliable coverage on AT&T’s network with unlimited 5G that stays fast⁵ for just $40/month. No hassle, cancel anytime.⁶

FIND THE BEST PRICE, EVERY TIME
Search for any product and instantly compare prices across stores.

HASSLE-FREE RETURNS
Need to send something back? Report a return and we’ll pause your payments.

TRACK ALL YOUR DELIVERIES
Get real-time updates, arrival times, and pickup photos.

24/7 CUSTOMER SERVICE
Use our chat for 24/7 support.

¹Monthly financing through Klarna issued by WebBank. Other CA resident loans made or arranged pursuant to a California Financing Law license. NMLS #1353190.
²Deposits in your balance account are held at WebBank, Member FDIC. Klarna is not an FDIC-insured bank and deposit insurance only covers the failure of WebBank. Your deposits in the balance account are eligible for pass-through deposit insurance coverage if certain conditions are satisfied. Funds may be made available to you before WebBank receives them (“early availability funds”); such early availability funds may not be FDIC insured until received by WebBank. Loans that you obtain using the Klarna Card not insured by the FDIC and are not deposits. Physical card only included with a paid Klarna Membership Plan. Klarna Membership offered in partnership with WebBank for a monthly fee. Cancel any time in the App. Exclusions, conditions, and limitations apply to membership benefits. Klarna Membership Terms apply. Annual value amount reflects your Membership's total available benefits, such as all waived fees, cashback, and discounts. Actual results will vary based on benefit usage.
³Klarna Cashback Rewards are awarded as points which can be redeemed for a credit to your Klarna balance and other benefits. Earn cashback on Klarna App purchases. Klarna balance account required to receive cashback. Cashback issuance depends on store approval and may be affected by cookie settings, combining offers, product exclusions, or other factors beyond our control. Limitations, terms, and conditions apply: https://cdn.klarna.com/1.0/shared/content/legal/terms/en-US/cashback
⁴Paying over time on Apple Pay: Loans not offered by Apple. Subject to eligibility requirements and approval. Not available in all markets, and may not be available for all types of purchases, such as subscriptions and recurring transactions. Available with Apple Pay online and in app, on iPhone and iPad. Not available in-store. Software requirements apply. Additional terms may apply. For more eligibility and feature details, see https://support.apple.com/120477.
Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.
⁵Actual speeds vary by location, network, and device. Subject to Acceptable Use Policy. Unlocked device and no. required. Some numbers not eligible.
⁶Cancel up to 24 hours before renewal in the Klarna app.

The UK's most trusted credit score* is available for free. Get free access to a wide range of our services, from credit score checks, credit card comparison & eligibility and personal loan comparison & eligibility.

Your Experian Credit Score is a straightforward way of showing how lenders may view your application. As part of a credit check, companies may look to see whether you’ve paid back your credit on time, how much credit you currently have and how you’re managing it. The better your credit score the better your chances are of getting a credit card, loan or even a mortgage, along with great rates for each.

Compare credit cards and loans with us. Let Experian help by showing you the credit cards and personal loans you’re most likely to be accepted for, helping you save hassle and avoid too many unsuccessful applications impacting your credit rating.

Experian is a credit broker not a lender†, so we show you impartial search results.

Free Experian account features:
• Your Experian Credit Score on the go
• Credit card and loan comparison
• Summary of your total credit
• See how likely you are to get accepted for personal loans and credit cards before applying
• Tips, articles, videos and expert knowledge to improve your suitability for credit checks at your fingertips
• Quick and easy login with Touch/Face ID or PIN

CreditExpert subscribers get access to these additional features:
• Personalised tips on how to improve your credit score
• Score Influencers show you what’s positively and negatively affecting your Experian Credit Score
• Get your Experian Credit Score & Report updated daily
• Alerts notify of you credit score changes
• UK call support for credit report & score
• Timeline shows you a single view of your score history and alerts
• Web monitoring
• Dedicated fraud support

Checking your Experian Credit Score regularly won't affect your credit report or credit rating. What's more, the app search covers a range of selected credit cards and loans.

*Most trusted’ based on 59% of 1086 respondents. ICM Unlimited survey, June 2018.

†Experian acts as a credit broker and not a lender in the provision of its credit cards and personal, car finance and guarantor loans comparison services, meaning it will show you products offered by lenders and other brokers.

Experian acts independently and although our comparison service shows products for a range of lenders and other brokers it does not cover the whole of the market, meaning other products may be available to you. Comparison services are provided free however we will receive commission payments from lenders or brokers we introduce you to.

All free and paid for Experian consumer services are provided by Experian Ltd (Registered number 653331). Experian Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number 738097). Experian Ltd is registered in England and Wales with registered office at The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ. The web monitoring feature and its alerts within CreditExpert is not Financial Conduct Authority regulated activity.

PayPal is a smart and secure way to shop in-store and online, earn cash back on brands you love, send money to friends and much more.

SAVE OFFERS IN THE APP
Get cash back offers from brands you love. We’ll automatically apply them at checkout
*Eligible items only. Redeem points for cash or other options. Terms and exclusions apply: PayPal.com/rewards-terms

SEND AND REQUEST MONEY FOR FREE
Securely send and receive money with just about anyone in 120+ countries
It’s free to send and receive with friends & family in the US when funded by a bank account or PayPal balance

GET THE PAYPAL DEBIT CARD AND EARN CASH BACK
Request your card in the app. No credit check required
Shop with your PayPal balance everywhere Mastercard® is accepted
Earn 5% cash back on a category you choose each month*
*5% cash back earned as points you redeem for cash & other options on up to $1000 spend/month. Terms apply: http://paypal.com/rewardspal
A PayPal Balance account is required to get the card
The PayPal Debit Mastercard® is issued by The Bancorp Bank N.A. (“The Bancorp”), pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal. PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance account. See PayPal Balance Terms and Conditions: https://www.paypal.com/us/legalhub/pp-balance-tnc#holding

CRYPTOCURRENCY
Buy, sell and hold Bitcoin, Ethereum, PayPal USD, Bitcoin Cash and Litecoin with PayPal*
*PayPal, Inc. is licensed to engage in virtual currency business activity by the NY Dept. of Financial Services. To buy, sell, transfer, and hold crypto is subject to risks, may result in significant losses, and not available where prohibited by law. We do not make recommendations about crypto transactions. Consider seeking advice from a financial and tax advisor. Crypto custody, trades and transfer services are performed for us by Paxos Trust Co. LLC or other appropriately authorized provider. See terms: paypal.com/crypto_terms

GROW YOUR MONEY WITH HIGH-YIELD PAYPAL SAVINGS
Roll your money into PayPal Savings and earn a competitive APY*
Easily manage your account in the app. Transfer money in and out, set individual goals, and track your progress as your savings grows.
*PayPal Savings annual percentage yield (APY) is a variable rate and can change at any time, including after the account is opened. PayPal is a financial technology company, not a bank. Banking service provided by Synchrony Bank, Member FDIC. PayPal Balance account is required to use PayPal Savings

TRACK YOUR PACKAGES
View orders and delivery status until they arrive safely at your door. Simply link your Gmail or Outlook to get started
Not all sellers are participants

BUY NOW PAY LATER
*Pay in 4 is available upon approval for purchases of $30 - $1500 and is currently not available to residents of MO. 18 years old or older to apply. PayPal, Inc.: Loans to CA residents are made or arranged pursuant to a CA Financing Law License. GA Installment Lender Licensee, NMLS #910457. RI Small Loan Lender Licensee. NM residents: Go to paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure. Learn more at paypal.com/payin4
About Pay Monthly: WebBank is the lender of Pay Monthly. PayPal, Inc. (NMLS #910457): RI Loan Broker Licensee. VT Loan Solicitation Licensee. VT residents: THIS IS A LOAN SOLICITATION ONLY. PAYPAL, INC. IS NOT THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH ONE OR MORE THIRD PARTIES IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS

PayPal
2211 N 1st St San Jose, CA 95131

EASY BUDGET. Cut your expenses with Money Pro®!
Expense tracker, budget planner & account manager - all in one app to get your finances under control. Money Pro works great for personal & family expense tracking.

Easy sync and iPhone/iPad versions combined in one app. Money Pro is the next generation of the Money app (over 2 million downloads worldwide).

FEATURES:

Simple and Secure
- quick and easy expense/income entries: save your time
- password & backups of your data

Income and Expense Tracker
- split transactions: split one payment into multiple categories, keep it all organized
- search by amount, category, description, payee, cheque number, etc
- recurring expenses with custom periodicity
- calendar for scheduling bills and expenses for the whole year ahead
- notifications & alerts for bills due
- tracking expenses with family members and cross-platform syncing* (PLUS or GOLD subscription required)
- multiple profiles for organized tracking of personal and family finances
- attachment of receipt (or any other) photos: keep important bills captured

Budget Planner
- flexible structure of categories & subcategories with over 1,500 built-in icons
- custom periodicity: start your budget from any date
- visual indicators for budget spending
- transaction list for each category: access your bills with ease
- transferring the leftover of the previous budget period to the current one to limit your spending
- unique icons with your photos

Account Manager
- easy management of an unlimited number of accounts
- balance change history
- additional fields for organizing your records: payee, description, check #, class (personal/business travel expenses).
- import of bank statements (files: OFX, CSV)
- online banking (GOLD subscription required)

Insightful Analytics
- eight different reports
- filter customization
- quick and easy date selection

Augmented Reality
- build three-dimensional charts right on your table with AR reports (GOLD subscription required)

Goals
- set your goals and achieve them
- visualize your goal progress with a trend chart
- four Goal types: Save money, Pay off debt, Reduce expenses, Increase income (GOLD subscription required for last three)

More
- calculator and currency converter
- print and export to PDF, QIF, CSV formats
- multiple currencies & automatic update of exchange rates
- iCloud sync for iPhone, iPad, Mac (no subscription)
- support service & user guide (https://money.pro/guide/)

PLUS subscription
- 1 Month of PLUS: $4.99

GOLD subscription
- 1 Month of GOLD: $9.99

In all the countries (except the USA), actual charges will be converted to the local currency. Payment will be charged to iTunes Account at confirmation of purchase.
Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period.
Account will be charged for renewal within 24-hours prior to the end of the current period, and identify the cost of the renewal. Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a subscription to that publication, where applicable.
Subscriptions may be managed by the user, and auto-renewal may be turned off by going to the user's Account Settings after purchase.

Terms & Privacy
- http://ibearsoft.com/privacy.html
- http://ibearsoft.com/terms.html

Money Pro is a Universal app. Pay once and use it on your iPhone, iPad, and Apple Watch.

*See App Support for further details

***Coming next, Export links in "Make a Claim screen" ***


The Seafarer's Earnings Deduction (seafarer's tax) eligibility calculator. SeafarersCalc allows quick and easy checking of voyage dates to determine whether they meet the half-days rule. As the dates are entered, a 'traffic light' indicator shows whether the voyage is valid or invalid. Once a set of valid dates is entered, the eligible voyages go green and you should make a claim.

*** No. 1 Ranked Finance App in the US & UK ***

'Debt Manager' has one aim - To help you GET OUT OF DEBT FAST!

5-Stars - "By Far, This is one of the best Money Apps that I have seen. Fantastic, Great Job"

5-Stars - "This app is worth every penny.. Great info and breakdown.. I am so looking forward to being debt free!!"

5-Stars - "This app is three things: Simple. Effective. Spot On."

5-Stars - "The details, features and thought that went into creating this app are endless."

5-Stars - "Super easy to use; choice of strategies to choose for to pay off debts. Most helpful app for paying down debt I've come across."

Debt Manager helps you to organize, track and pay off all your debts in the cheapest and fastest possible way. It does this using the Debt Snowball method, which is recognised by leading financial advisors as the most effective way to pay off multiple debts.

You will be amazed at how much time and money you could save by applying this simple strategy, and this app will show you how. So if you want to become debt free, get started now!

*** Features ***
--------------------
√ Simple and intuitive user interface
- helps you see results quickly and clearly

√ Hints and tips
- don't worry, we will guide you through the process

√ Summary shows your payoff progress
- includes progress bar, your debt free date and your interest/time savings

√ Choose from multiple pay off Strategies
- Lowest Balance First
- Highest Interest First
- Highest Balance First
- Custom Order

√ An unlimited number of debts can be entered
- each debt can be individually analysed
- payments may be entered as a percentage of balance
- support for introductory rates e.g. 0% for 6 months

√ Monthly Payments may be recorded
- either automatic or manual recording
- allows you to keep track of your progress

√ Backup & Restore
- use popular Dropbox service for online storage
- keep your data safe
- manually sync between devices

√ Choice of payment periods
- handles monthly, weekly and fortnightly payments

√ Extra Payments can be entered against each debt
- helps pay off your debts even faster
- can be entered Monthly, Yearly or as a One Off

√ Transactions can be entered against each debt
- allows you to take into account expenses/purchases
- can be entered Monthly, Yearly or as a One Off
- will increase the debt balance

√ Try out various 'What-If' scenarios e.g.
- a change in interest rate
- increased monthly payments

√ Export the debt details via Email
- professionally formatted PDF or HTML
- export individual debts or overall summary
- includes full amortization schedules
- charts are attached to the email export

√ Interactive reports
- easy visualisation of the debt breakdown
- compare debts side by side
- press, hold and slide to see the costs per month
- pinch to zoom

√ Set of Calculators are included to help you compute:
- monthly payments
- extra payments
- payoff date
- refinance benefits

√ Notification of payments due
- so you never forget to record a payment

√ Passcode protection
- keep your data safe

√ Full manual is embedded within the app
- has all the info you will ever need

Road Trip is the fastest and easiest app for tracking of your car’s fuel economy, maintenance history, and expenses.

Road Trip is a one-time purchase. There are no ads, subscriptions, or recurring fees. Your data is always private.

Remember to checkout Road Trip Lite and Road Trip HD for the iPad.
_____________________________

"There’s a ton of MPG apps on the App Store but Road Trip is the best because of its amazingly dense summary screen and its best in class fuel entry screen."
— Jason D. O'Grady, zdnet.com

"The most comprehensive road travel app of them all, Road Trip allows you to track mileage, fuel prices, graph out trip expenses, and even export the data to CSV"
— Ben Parr, mashable.com

"The part we like the most is the cool graph that shows fuel costs and average mpg over time. And it lets you look at the cost per day to keep those wheels turning."
— Car and Driver Magazine
_____________________________

Road Trip will…
• Track your fuel economy and fuel costs.
• Track your maintenance history.
• Track and compare your vacations and trip costs.
• Remind you when regular maintenance is due.
• Prevent expensive premature maintenance.
• Show you how much money you spend on your car.

FEATURES
• Mileage and fuel economy tracking.
• Service and repair log, with service reminders.
• Expense tracking.
• Trip tracking and reporting.
• Comprehensive statistics.
• Full international support (Metric, US, and Imperial units).
• Unlimited number of vehicles.
• Full screen, interactive graphs.
• Customizable Shortcuts
• Home Screen Quick Actions
• Siri voice integration

COMPREHENSIVE STATISTICS
• All key statistics and graphs on a single page.
• Cost per day, Cost per km, Moving Average.
• Maximum distance per tank.
• Monthly and Yearly distance and cost estimates.
• Vehicle depreciation statistics.

AUTOMATIC BACKUP AND SYNC
• Automatically sync between multiple of iOS device using Dropbox or iCloud.
• Automatically backup to Dropbox, including CSV files.

PRIVACY
• Your Road Trip data always remains private. We do not collect data from your iOS device, and we do not have access to the data you store in iCloud or Dropbox.

ADVANCED FEATURES
• Tripmeter or Odometer distance entry.
• Partial fill-ups, Same-day fill-ups, and Missed fill-ups.
• Currency Conversion.
• Geo-tagging and mapping.
• Searching and filtering.
• Jerrycan Fuel Tracking.
• Trip Cost Calculator.
• Distance-To-Empty Calculator.
• Tire log, including support for summer and winter tires.
• Distance correction for inaccurate odometers.
• Monthly and Yearly distance and cost estimates.
• Trip Computer Logging (fuel economy, average speed, temperature)
• Graphs for comparing MPG vs. Fuel Type, Driving Conditions, Average Speed, and Temperature.
• Odometer replacement.
• Vehicle purchase price and depreciation tracking.

• Import and Export CSV

• Electric vehicle tracking (in kW.h)
• Home electricity tracking (in kW.h)
• Motorboat tracking (in Hours)
_____________________________

Lots more information and screen shots on the website:
https://darrensoft.ca/roadtrip/

Questions? Suggestions? We want to hear from you!
Email us: support@darrensoft.ca

iSpreadsheet is a free, simple to use yet powerfull mobile spreadsheet Application for your iPhone & iPad. Quickly create beautiful spreadsheets that are compatible with major office solutions such as Excel and Numbers.

iSpreadsheet is built from the ground up for iPhone and iPad so it runs very fast even on older devices. And iSpreadsheet works seamlessly with a myriad of file transfer and storage options including: Windows SMB Network Share, Box, Dropbox, Google Drive, Docs, OneDrive, iCloud and more.

Supports Formatting and Formulas. Uses CSV comma separated file format for maximum compatibility. Can read numbers and excel xls xlsx files too!

FEATURES:
• Google Docs Integration
• iCloud & iCloud Drive Integration
• Manage both online and offline worksheets
• Portrait & Wide-screen Landscape view
• Load .XLS and .CSV files from Google Documents. (without formatting)
• Save in .CSV format (RFC 4180 compliant)
• Manage multiple Spreadsheets
• Execute complex arithmetic formulas
• Access a useful subset of Excel formulas
• Cell Formatting
• Column Resizing
• Clipboard Copy Paste
• Column Row Insert
• Progressive Loading
• Fluid Graphics
• Familiar Interface
• Online help
• Offline formula wizard
• Context Aware Toolbar
• Autosave & Recovery
• Free Updates


More Free iPhone Apps:
http://www.savysoda.com

【炒股就用同花顺】
我们为您提供智能投资服务，以及沪深港美全球实时高速行情，精选股市热点资讯、基金理财等。投资全球，就用同花顺！

【爆款功能】
【√ 】神奇九转：分时、K线神奇九转，为您找到股价拐点，轻松做T。
【√ 】智能盯盘：实时异动推送、股价预警、大事提醒帮您轻松盯盘。
【√ 】走势预测：未来涨跌，相似K线，一测便知。
【√ 】涨停分析：涨停揭秘，一秒了解涨停背后逻辑，愿您追在妖股启动时。
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【√ 】筹码分布：一眼识破主力建仓、洗盘、拉升、出货，轻松实现收益最大化。
【√ 】自选导入：图片一键导入，自动识别股票，快速跨平台创建股票池。
【√ 】模拟炒股：20万模拟金免费送，A股、港美股轻松玩，快速成为炒股高手！

【基础功能】
【√ 】全球行情：支持沪市、深市、港股、美股、英股、新三板、全球股指等，想看的行情这里都有。
【√ 】智能盯盘：实时异动推送、股价预警、大事提醒，帮您轻松盯盘。
【√ 】弹幕：看盘配弹幕，感受股市的喜怒哀乐。
【√ 】自选: 快速查看自选行情、资金、公告、研报，还支持动态选股、自选分组管理等。
【√ 】市场概况：市场涨跌、大盘异动、热点板块、短线风向标、龙虎榜等，一眼读懂主力动向。
【√ 】精选资讯：精选全球财经要闻、热点快讯，7*24小时不间断更新。

【同花顺VIP连续包月】
-- 会员权益：VIP专属通道，享受行情交易提速；免广告；更有独家资讯、大数据追踪助力炒股！
-- 订阅价格：以IAP申请信息为准，例如连续包月产品为每月12元。
-- 付款：您确认购买并付款后记入iTunes账户。
-- 取消续订：如需取消续订，请在当前订阅周期到期前24小时以前，手动在iTunes/Apple ID设置管理中关闭自动续订功能。
-- 续订：苹果iTunes账户会在到期前24小时内扣费，扣费成功后订阅周期顺延一个订阅周期。
-- 会员服务协议（含自动续费）：https://pay.10jqka.com.cn/onlinePayment/vipServieceProtocol.html
-- 隐私条款：https://ozone.10jqka.com.cn/tg_templates/doubleone/2018/privacyPolicy/index.html

【自动续费服务申明】

付款：用户确认购买并付款后记入iTunes账户；
续费：苹果iTunes账户将在订阅到期前24小时内扣费，扣费成功后会员权限顺延一个月。
取消续费：如需取消续费，请在当前权限到期前24小时以前，手动在iTunes/Apple ID设置管理中关闭自动续费功能，到期前24小时内取消，将会收取订阅费用。

1.购买自动续费产品，确认购买后，将会从您的苹果iTunes账号扣除相应费用；
2.开通自动续费服务后，将在会员到期前1天为您自动续费，续费成功会员自动延长相应时长；
3.如需取消续费，请在当前权限到期前24小时以前，手动在iTunes/Apple ID设置管理中关闭自动续费功能，到期前24小时内取消，将会收取订阅费用。


会员服务协议（含自动续费）

金牛会员
http://pay.10jqka.com.cn/onlinePayment/vipServieceProtocol.html?sid=157

金牛会员尊享版
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涨停助手
https://pay.10jqka.com.cn/onlinePayment/vipServieceProtocol.html?sid=269

手机短线宝
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云参数
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手机高级诊股
https://pay.10jqka.com.cn/onlinePayment/vipServieceProtocol.html?sid=171

形态掘金
https://pay.10jqka.com.cn/onlinePayment/vipServieceProtocol.html?sid=379

神奇电波
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手机超级level-2
http://pay.10jqka.com.cn/onlinePayment/vipServieceProtocol.html?sid=207

早盘选股宝
https://pay.10jqka.com.cn/onlinePayment/vipServieceProtocol.html?sid=351


隐私条款
https://ozone.10jqka.com.cn/tg_templates/doubleone/2018/privacyPolicy/index.html

【关于同花顺】
同花顺(300033)成立于1995年，是一家专业的互联网金融数据服务商，为您全方位提供财经资讯及全球金融市场行情，覆盖股票、基金、期货、外汇、债券、银行、黄金等多种面向个人和企业的服务。

【用户帮助】
感谢您使用同花顺手机客户端，使用中有任何问题和建议可通过以下方式联系我们。

智能客服：24小时、无需等待，智能客服小花快速为您解答。
24小时热线：952555

Apple's iPad APP OF THE WEEK (UK and Ireland), March 2011

AppStore Rewind 2011, one of Apple's favourite iPhone finance apps of 2011 (UK and Ireland)

Closely monitor your household energy and water usage and the chances are you will SAVE MONEY!

This useful application makes it easy to monitor your household utility meters. Once you start entering readings, your usage, costs and savings are calculated and displayed in easy to visualise graphs.

KEY FEATURES
- Monitor up to five separate meters, e.g. electricity, gas, water, solar ... etc
- Quick entry of readings, as often as you like
- Use the rear-facing torch/flashlight when reading your meters (if your device has one)
- Local reminders so you don't forget to enter your readings
- Displays usage and costs for the latest readings period, and compares this with your average or previous year
- Plots graphs of usage and costs per day, week, month, quarter or year, so that you can visualise changes over time, e.g. against the previous year
- Multiple colour themes (black, red, blue, green ... etc)
- Import historical readings from a CSV file
- Backup your data and sync it between devices by email, AirDrop, Dropbox or iCloud
- Export your readings as a CSV file for easy import into a spreadsheet
- Universal app, works on the iPhone, iPod Touch and iPad

METERS, CURRENCY AND RATES
- User configurable units, so the app could be used for other types of measurement
- Support for meters that count up (e.g. electricity, gas, water ... etc) or down (e.g. oil)
- Uses the currency from your device's region setting, but you can override this per meter (e.g. for holiday homes)
- Handles a wide range of rates and charges, e.g. fixed or time based rates, per-unit rates, stepped rates for up to 12 levels, Economy 7/10, time of day meters ... etc

BILLS
- Check your bills by comparing any pair of readings (e.g. those submitted to your supplier)
- View your usage and costs since your last bill, as well as an estimate of when and how much your next bill will be

POWER USER FEATURES (via a ONE-TIME in-app purchase)
- Additional meter types, reading combinations and ways of calculating usage
- Support for rate changes, if/when you switch supplier or they change your rates
- Support for resetting your readings, e.g. if you get a replacement meter
- Automatic backups to iCloud

PRO USER FEATURES (via a ONE-TIME in-app purchase)
- Removes the restriction on meter numbers, e.g. for landlords, businesses and professionals

SUPPORT
Please use the link to my support page from the AppStore page or from the app itself (or simply go to http://grahamhaley.co.uk/meters/.

Alternatively, contact me directly via my support pages and you will get a quick response.

“Money Manager” is an optimized application for personal account management.

Household account management is complicated. But we make it simple by simplifying the things that are complex. The default settings will get you started, and once you get used to it, you can alter the settings according to your needs with the highly flexible and customizable functions available.

- Super easy and simple to enter data anytime, anywhere.
- View your spending tendencies graphically.
- View statistics by simply entering the data.
- Search and calculator functions.
- Set up sub-categories and main categories as necessary.
- Manage all your accounts at once.
- Use multiple currencies.
- Check weekly, monthly, and annual statistics.
- Use calendar view.
- Use budget planning features to plan weekly, monthly, and annual budgets.
- Change the start date of the month.

※ Applying double entry bookkeeping
It facilitates efficient account management. Automatic double entry bookkeeping.

※ PC manager function
You can view ‘“The New Money Manager” application using Wi-Fi. You can edit and sort the data by date, category or account group on the screen of your PC. In addition, you can see fluctuations of your accounts indicated on graphs on your PC.

※ Budget management function
You can manage your budget. It shows your budget and expenditures on a graph so you can compare the number of your expenditures against your budget quickly.

※ Credit Card / Debit Card management function
When entering a future payment date, you can see the payment amount and outstanding balance on the accounts page. You can connect your debit card to your accounts so that expenses are automatically recorded under a specific account.

※ Passcode
You can specify the desired time lapse before the app requests a passcode.

※ Automatic money transfer and frequency functions
You can set up automatic money transfers between your accounts and configure the frequency of those transfers.

※ Sort expenses by the recipient
You can sort your expenses by the recipient and view this information graphically.

※ Payment Profiles
You can easily enter frequent expenditures by creating payment profiles.

※ Backup / Restore
You can backup and restore your data via email, iTunes and iCloud.

※ Multiple currency support – you can have individual entries in multiple currencies, and configure each account to calculate the total balance in your desired currency.

Subscription pricing and terms:

Money Manager offers auto-renewing monthly subscription at US$2.49/month and an auto-renewing yearly subscription at US$19.99/year to provide you with unlimited access to the Money Manager Data Sync Service while you maintain an active subscription.

Payment will be charged to the credit card connected to your iTunes Account when you confirm the initial subscription purchase.
Subscriptions automatically renew unless auto-renew is turned off at least 24-hours before the end of the current subscription period. Your account will be charged for renewal within 24-hours prior to the end of the current period, and the cost of the renewal will be identified.
You may manage your subscription and auto-renewal may be turned off by going to your Account Settings after the purchase.

Read more about our terms and conditions here:
https://realbyteapps.com/policy/terms.html

Privacy Policy:
https://realbyteapps.com/policy/privacy.html

Apple "New apps and games we love" (on the Mac), March 2017

Apple "Staff Favourite" in the UK (on iOS), Jul/Aug 2010

Account Tracker is a powerful personal finance app that helps you track spending and monitor balances across multiple accounts. Its clean, intuitive user interface, and features such as alerts, bill reminders, budgets, reports and full multi-currency support, make it easy to take control of your finances.

This Pro version is a subscription-free version of Account Tracker, with exactly the same content plus basic support for Apple Watch. Try Account Tracker before you buy, it is free to download and supports a 1 month FREE TRIAL. Simply cancel before being charged.

Also check out Account Tracker for Mac, now available on the Mac App Store. It requires Account Tracker version 6 or above (to sync over iCloud or Dropbox), and macOS Sierra (10.12) or above.

ACCOUNTS
- Track multiple accounts: checking, current, savings, credit cards, loans/mortgages ... etc
- Separate your accounts into groups, e.g. personal vs business accounts
- Enter your recurring transactions using calendar-based repeat intervals, e.g. every 2 weeks, the last Friday of every month ... etc
- Quickly and simply enter one-off transactions as they happen
- Reconcile your account data with your statements
- While it is useful to see where your money goes, you can also look FORWARDS, showing all of your future commitments
- Alerts if an account is likely to go overdrawn or hit its overdraft limit

BILLS
- Enable reminders for non-automatic transactions, e.g. bills that you have to pay manually
- View all transactions with reminders set
- Alerts to tell you when these transactions are due

BUDGETS
- Add budgets per category for spending, income and transfers across individual or multiple accounts
- View these as daily, weekly, fortnightly/biweekly, monthly, yearly or custom dates (e.g. tax years)
- Monitor your transactions against the goals you set

REPORTS
- Detailed reports to really understand your financial position
- Account balance over time, cash flow, spending by category or payee detail, income by category or payer and transfers by category
- View these as daily, weekly, fortnightly/biweekly, monthly, yearly or custom dates (e.g. tax years)
- Export or print reports as PDF files

DATA, BACKUPS AND SYNCING
- Import historical transactions or bank statements from a CSV file
- Export account statements, budgets and reports in CSV format for offline processing, e.g. in a spreadsheet
- Local backup and restore on your device, plus transfer of backups by AirDrop, email, Dropbox or iCloud
- Support for database syncing across multiple devices (using either Dropbox or iCloud)
- PIN code protection, plus Face/Touch ID and 1Password integration

PLUS
- Full multi-currency support, per account and per transaction
- The default currency is the one local to your device, but this can be overridden
- Supports sub-categories and splitting a transaction across multiple categories/subcategories
- Universal, retina enabled app that works on the iPhone, iPad and iPod Touch - buy once, use it on ALL of your devices
- Also supports the Apple Watch, to display account balances and a snapshot of your main budgets
- In-app user guide

SUPPORT
Please use the link to my support page from the AppStore page or from the app itself (or simply go to http://grahamhaley.co.uk/accounts/).

Alternatively, contact me directly via my support pages and you will get a quick response.

Currenzy is a beautiful currency converter app for daily currency conversion needs. Its unique feature automatically converts currencies on a web page through its safari extension.

With Currenzy, you can convert currencies anywhere inside your iPhone or iPad, where text selection is shareable. When you are on apps like mail or notes, select the text and share it with the Currenzy app extension to see the conversion. You can use your iPhone camera to convert prices on a price tag or a hotel menu while traveling abroad.

Currenzy is also privacy-conscious, so none of your data leaves your device.

• Supports all major currencies. (Over 150+ World Currencies. Digital Currencies - BTC, ETH)
• Safari Extension Support - the ability to currency convert in your browser
• Action Extension Support helps convert currencies in all apps where text selection is possible.
• Home Screen widgets
• Apple Watch Support
• Bookmark List
• Historical Chart
• Built-In Calculator
• Personalized Actions - custom exchange rate, transaction fee,
• Support for custom exchange rate
• Can work without an internet connection
• Supports Dynamic Type
• Functional and easy to use
• Clean Interface & Natural Gestures
• Universal App - iPhone, iPad, and Apple Watch
• Custom App Icon support for a personalized touch
• Handoff support, start on one device and resume on another
• iCloud sync
• Dark and Light modes with multiple color accents
• Universal purchase for all your devices
• Family Sharing support
• Localized in French, German, Italian, Japanese, Simplified Chinese, and Spanish

Currenzy is designed to make currency conversion as simple as possible. For any feedback and suggestions, please e-mail us at hello@waplestuff.com."