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#383a42;line-height:80px;position:relative;z-index:2;font-weight:600}.c-siteAccordionMenu.c-sitePrimaryMenu_subNav{position:fixed;top:0;bottom:0}.c-siteAccordionMenu_content{width:100%;max-height:100%;overflow:auto}.c-siteAccordionMenu_content::after{content:"";padding-bottom:2rem;display:block}.c-siteAccordionMenu_section .c-siteAccordionMenu_item{opacity:0;visibility:hidden;max-height:0;line-height:20px;margin:0;transition:opacity .3s ease,max-height .3s .3s ease,margin .3s .3s ease,visibility 0s .3s}.c-siteAccordionMenu_section.is-expanded{border-bottom:1px solid #383a42}.c-siteAccordionMenu_section.is-expanded .c-siteAccordionMenu_sectionToggle>svg{transform:rotateX(180deg)}.c-siteAccordionMenu_section.is-expanded .c-siteAccordionMenu_item{visibility:visible;max-height:80px;margin:2rem 0;opacity:1;transition:opacity .3s .3s ease,max-height .3s ease,margin .3s ease}.c-siteAccordionMenu_item{color:#fff;font-size:13px;padding:0 calc(2rem/2)}.c-siteAccordionMenu_item 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.VueCarousel-inner--center { justify-content: center; } .VueCarousel-slide { flex-basis: inherit; flex-grow: 0; flex-shrink: 0; user-select: none; backface-visibility: hidden; -webkit-touch-callout: none; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); outline: none; } .VueCarousel-slide-adjustableHeight { display: table; flex-basis: auto; width: 100%; } .c-cmsImage{display:block;width:100%;background:rgba(0,0,0,.05)}.c-cmsImage img{display:block;width:100%;height:auto}.c-cmsImage img[src=""]{visibility:hidden} .c-dynamicListing_listing h3{margin:0}@media(min-width: 1024px){.c-dynamicListing_listing h3{margin:0 0 1.5rem}} .c-listingLatest{position:relative}.c-listingLatest_heading{margin:.5rem 0 0 0}.c-listingLatest_item{padding:1rem 0;border-bottom:1px solid #e1e0e3}.c-listingLatest_item:nth-child(9){border-bottom:none}.c-listingLatest_itemLink{display:block;font-size:1rem;line-height:1.375rem;color:#080a12;font-weight:600}.c-listingLatest_itemLink:hover{color:#0058d5}.c-listingLatest_pubDate{font-size:.813rem;color:#505259}.c-listingLatest .c-listingLatest_showAll{margin-bottom:1.5rem;margin-right:0}.c-listingLatest .c-listingLatest_showAll svg{display:inline-block;width:15px;height:13px;vertical-align:middle;margin-left:10px}@media(min-width: 1024px){.c-listingLatest_heading{margin:1.5rem 0}.c-listingLatest_item{padding:1.5rem 0}.c-listingLatest_item:nth-child(1){padding-top:0}} .c-listingFiveStory_heading{grid-gap:1.25rem}.c-listingFiveStory_heading .c-sectionHeading{border:none;margin-bottom:.5rem}@media(min-width: 1024px){.c-listingFiveStory_heading .c-sectionHeading{margin-bottom:1.5rem}}.c-listingFiveStory_titleWrapper{grid-gap:0;margin-bottom:1.5rem}@media(min-width: 1024px){.c-listingFiveStory_titleWrapper{flex-direction:row;align-items:center;grid-gap:1.25rem;margin-bottom:0}}.c-listingFiveStory_seeAll{margin-left:auto;font-size:.813rem;font-weight:400;color:#080a12;grid-gap:.25rem}.c-listingFiveStory_seeAll-topic{display:none}@media(min-width: 1024px){.c-listingFiveStory_seeAll-topic{display:inline}}.c-listingFiveStory_seeAll svg{width:1rem;aspect-ratio:1}.c-listingFiveStory_seeAll:hover{color:#0058d5}.c-listingFiveStory_seeAll:hover svg{fill:#0058d5}.c-listingFiveStory_container{margin-bottom:1.5rem}@media(min-width: 768px){.c-listingFiveStory_container{flex-direction:row;gap:0 1.5rem;margin-bottom:2rem}}.c-listingFiveStory_first-item-container,.c-listingFiveStory_additional-items-container{width:100%}@media(min-width: 768px){.c-listingFiveStory_first-item-container,.c-listingFiveStory_additional-items-container{width:50%}}.c-listingFiveStory_additional-items-container{display:grid;gap:1rem;grid-template-columns:1fr 1fr}@media(min-width: 768px){.c-listingFiveStory_additional-items-container{gap:1.5rem}}.c-listingFiveStory_image{display:block;width:100%}.c-listingFiveStory_item{position:relative;color:#080a12;flex-direction:column}.c-listingFiveStory_item span{color:inherit;font-size:1rem;line-height:1.375rem;margin-bottom:0}.c-listingFiveStory_item--first span{margin-bottom:.5rem}@media(min-width: 768px){.c-listingFiveStory_item--first span{font-size:2.25rem;line-height:2.275rem}}.c-listingFiveStory_item:hover{color:#0058d5}.c-listingFiveStory_item:hover img{opacity:.8} .c-siteFooter{z-index:1;position:relative;background:#20222a;overflow:hidden}.c-siteFooter .c-siteFooter_background{width:0}.c-siteFooter .c-siteFooter_background img[src=""]{opacity:0}.c-siteFooter .c-siteFooter_background img{transition:opacity 1s ease;opacity:1;object-fit:cover;position:absolute;width:100%;height:100%;left:0;top:0}@media(min-width: 1024px){.c-siteFooter{padding:0 3rem 3rem 3rem}}.c-siteFooter_container{position:relative}.c-siteFooter_logoLink{display:block}.c-siteFooter_logo{left:50%;margin-left:-50vw;right:50%;margin-right:-50vw;max-width:100vw;position:relative;width:100vw;fill:#fff;aspect-ratio:814/150}@media(min-width: 1024px){.c-siteFooter_logo{margin-bottom:2rem}}.c-siteFooter_site-name{visibility:hidden;height:0}.c-siteFooter_slogan{display:block;margin-top:1.5rem;margin-bottom:1rem;font-size:2.25rem;line-height:2.75rem;color:#fff;font-weight:600}.c-siteFooter_logo-connect-grid{--grid-cols: 2;grid-row-gap:1rem}@media(min-width: 768px){.c-siteFooter_logo-connect-grid{--grid-cols: 6}}@media(min-width: 1024px){.c-siteFooter_logo-connect-grid{--grid-cols: 6;grid-row-gap:2rem}}.c-siteFooter_connect-column{display:block}.c-siteFooter_connect-grid{--grid-cols: 2;margin:auto}@media(min-width: 768px){.c-siteFooter_connect-grid{--grid-cols: 6}}@media(min-width: 1024px){.c-siteFooter_connect-grid{--grid-cols: 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He was most recently technology editor for Barron's where he wrote daily market coverage for the Tech Trader blog and wrote the weekly print column of that name. He has also worked for Bloomberg and SmartMoney, and for the prestigious ComputerLetter newsletter covering venture capital investments in tech. His work has been published in the New York Times, Fortune magazine, and CNN Money. 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She has a master's degree in journalism from the University of Alabama. Some of her past bylines include Inc., Fortune, and The Crimson White. In her spare time, she enjoys keeping up with all things Crimson Tide, binging British Bake Off, and baking.",profile:c,title:"Associate Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:b,gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-04-01 12:00:25",timezone:"UTC",updated:c,published:c},description:"Tax Day is almost here. That's why ZDNET rounded up the best free online tax software services that provide guidance and filing for those with simple returns.",filterKey:c,filterLabel:c,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"577417fd-8ca8-4526-af4b-8f22cd2599eb",image:{id:"65ab79dc-8622-4371-ba33-9c8fa9652a1a",filename:"img-4165.jpg",dateCreated:{created:c,date:"2024-02-07 22:13:50.000000",timezone:"UTC",updated:c,published:c},alt:"TurboTax",credits:"Kayla Solino\u002FZDNET",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F02\u002F07\u002F65ab79dc-8622-4371-ba33-9c8fa9652a1a\u002Fimg-4165.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:4032,height:3024,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Taxes",relatedItems:[]},name:b,promoTitle:"The best free tax software for filing your taxes",section:b,slug:"best-free-tax-software",startYear:c,summary:b,title:"The best free tax software of 2024",topic:{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:a,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d}],componentLabel:c,description:c,filters:c,paging:c,slug:b,title:"Latest",label:c,viewMoreText:c,viewMoreUrl:c,relatedItems:c},{id:"db60dd6c-89fe-4fb3-b0bc-70af0fb3cacf",meta:{componentName:"db60dd6c-89fe-4fb3-b0bc-70af0fb3cacf",componentDisplayName:"Blockchain",componentType:"ContentList"},metadata:{},links:{self:{href:"https:\u002F\u002Fbender.cnetstatic.com\u002Fapi\u002Fneutron\u002Fcomponents\u002Fzdnet\u002Flisting\u002Fmulti_filtered_listing\u002Fdb60dd6c-89fe-4fb3-b0bc-70af0fb3cacf\u002Fweb?searchBy=id&topicSlug=finance&componentType=ContentList&componentName=db60dd6c-89fe-4fb3-b0bc-70af0fb3cacf"}},items:[{author:{id:"9a23272b-10d6-11e4-9732-00505685119a",username:"David Gewirtz",profileUrl:c,email:c,firstName:"David",lastName:"Gewirtz",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"de4475ef-be59-4858-beb8-6f7696c85945",filename:"david-gewirtz.jpg",dateCreated:{created:c,date:"2022-08-05 15:19:52",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002Fde4475ef-be59-4858-beb8-6f7696c85945\u002Fdavid-gewirtz.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"In addition to hosting the ZDNET Government and ZDNet DIY-IT blogs, David Gewirtz is an author, U.S. policy advisor, and computer scientist. He is featured in The History Channel special The President's Book of Secrets, is one of America's foremost cyber-security experts, and is a top expert on saving and creating jobs. He is also director of the U.S. Strategic Perspective Institute as well as the founder of ZATZ Publishing.\r\n\r\nDavid is a member of FBI InfraGard, the Cyberwarfare Advisor for the International Association for Counterterrorism & Security Professionals, a columnist for The Journal of Counterterrorism and Homeland Security, and has been a regular CNN contributor, and a guest commentator for the Nieman Watchdog of the Nieman Foundation for Journalism at Harvard University. He is the author of Where Have All the Emails Gone?, the definitive study of email in the White House, as well as How To Save Jobs and The Flexible Enterprise, the classic book that served as a foundation for today's agile business movement.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"ad496dbf-9b38-4794-a060-970811203aca\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"spawns\u002FGetty Images\" data-image-alt-text=\"2 Bitcoins\" data-image-filename=\"gettyimages-1436167319.jpg\" data-image-date-created=\"2024\u002F01\u002F02\" data-image-width=\"2121\" data-image-height=\"1414\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EOn January 1, 2022 -- two years ago now -- I began my Bitcoin journey (and \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fi-bought-bitcoin-from-paypal-heres-what-happened\u002F\"\u003Edocumented it for all to read\u003C\u002Fa\u003E). I invested a full fifty bucks (plus fees). The gimmick (as if the $50 amount itself wasn't enough of a gimmick!) was that I used PayPal as my crypto bank of choice.\u003C\u002Fp\u003E\u003Cp\u003EPayPal made the process fairly painless, and Bitcoin made the process a money pit. One year later, at the beginning of 2023, I checked in on my Bitcoin investment, only to discover that the value had since crashed to $17.42, a loss of 65.94%.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fhow-much-did-i-lose-on-my-2022-bitcoin-investment-its-complicated\u002F\"\u003EHow much did I lose on my 2022 bitcoin investment? It's complicated\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E \u003C\u002Fp\u003E\u003Cp\u003EBut the story wasn't as simple as that loss would have implied. As the following chart shows, had you invested $1,000 at the beginning of 2022 in many of the tech stocks, you would have lost money. In fact, that same $1,000 invested in either Tesla or Facebook parent Meta would have resulted in almost the exact same loss percentage as Bitcoin. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"7c019468-f63e-468c-a9df-f6171c1670d0\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"2022-bitcoin-005\" data-image-filename=\"2022-bitcoin-005.jpg\" data-image-date-created=\"2024\u002F01\u002F02\" data-image-width=\"1920\" data-image-height=\"1080\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003E2023 performance\u003C\u002Fh2\u003E\u003Cp\u003EThis year, my Bitcoin portfolio value increased by 250%. My $17.42 grew to a whopping $44.89 over the year. True, it's still down 12.24% from the original fifty-dollar investment, but it does show that year-over-year, holding onto my Bitcoin riches was a worthwhile move. \u003C\u002Fp\u003E\u003Cp\u003ENow, here's the big question. Did Bitcoin again track with the tech stocks? Let's take a look. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"b4f87843-7661-4bd3-b6e9-676b401e84bc\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"2023-bitcoin-005\" data-image-filename=\"2023-bitcoin-005.jpg\" data-image-date-created=\"2024\u002F01\u002F02\" data-image-width=\"1920\" data-image-height=\"1080\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EIt sure did. In 2022, when the tech stocks all crashed, so did Bitcoin. In 2023, when the tech stocks rallied, so did Bitcoin. \u003C\u002Fp\u003E\u003Cp\u003EThis also tracks with the overall major index performance. Here, in 2022, all three major indexes were down from January 1, 2022 to December 31, 2022: \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"41a75f69-39ca-4b2c-a6e1-75060bcc484f\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"2022-bitcoin-002\" data-image-filename=\"2022-bitcoin-002.jpg\" data-image-date-created=\"2024\u002F01\u002F02\" data-image-width=\"1920\" data-image-height=\"1080\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ENow compare that with 2023 performance: \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"b0cd51f0-4d6b-4ae7-afd8-2bce00f366d4\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"2023-bitcoin-002\" data-image-filename=\"2023-bitcoin-002.jpg\" data-image-date-created=\"2024\u002F01\u002F02\" data-image-width=\"1920\" data-image-height=\"1080\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EAll three indexes show strong gains from January 1, 2023 to December 31, 2023. \u003C\u002Fp\u003E\u003Ch2\u003E What's it all mean? \u003C\u002Fh2\u003E\u003Cp\u003EIt's time for some very important disclaimers. I don't do many investments and I am not an investment authority. I'm just showing you data I noticed. Do not take this as investment advice, because it isn't. \u003C\u002Fp\u003E\u003Cp\u003EGot it? Good. \u003C\u002Fp\u003E\u003Cp\u003ESeparating out the question of what caused the stocks to dive or fly, let's instead take a minute to look at the relationship of the stocks to Bitcoin. It sure seems that Bitcoin doesn't perform independently of other stocks, in the sense that if stocks are rising, so might Bitcoin. And if stocks are falling, so might Bitcoin.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthese-5-major-tech-advances-of-2023-were-the-biggest-game-changers\u002F\"\u003EThese 5 major tech advances of 2023 were the biggest game-changers\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EI don't know if that makes Bitcoin any more or less risky than any other investment, although my big beef about all cryptocurrency is that you're investing in absolutely nothing real. \u003C\u002Fp\u003E\u003Cp\u003EAt least, when you invest in Tesla, you're investing in a company with epic factories. When you invest in Apple, you're investing in a company with epic productizing skills. And so on. \u003C\u002Fp\u003E\u003Cp\u003EBut when you're investing in Bitcoin, you're investing in an algorithm. I'm not a huge fan. And while I'm rolling in the big bucks from my $27.47 profit year-over-year, I'm not going to just squander that twenty-seven bucks on \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"f690a275-51b1-4e18-a395-7832844f7b56\" data-raw-url=\"https:\u002F\u002Fwww.amazon.com\u002FStar-Trek-Prosper-Knitted-Scarf\u002Fdp\u002FB01CIW8JCI\" data-link-shortcode-text=\"a knitted Star Trek scarf\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E (that's on sale for $27 from its regular price of $39). \u003C\u002Fp\u003E\u003Cp\u003EI'm going to let it ride. Maybe next year, my investment might break even, and I can get my whole $50 back. Or, if it crashes to the floor, I'll have an excuse for another New Year's Day Bitcoin article. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbill-gates-predicts-a-massive-technology-boom-from-ai-coming-soon\u002F\"\u003EBill Gates predicts a 'massive technology boom' from AI coming soon\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EDid I mention that you shouldn't use me for investing advice? I mean it. Get advice from someone who really knows what they're doing. Okay? Oh, and Happy 2024! We've got a lot of great stuff planned for the next year here on the pages of ZDNET. So stay tuned, live long, and prosper.\u003C\u002Fp\u003E\u003Cp\u003EDid you invest in Bitcoin in 2023? Did it work out for you? Are you planning any other cryptocurrency investments or have you had any experiences with doing so? Let us know in the comments below. \u003C\u002Fp\u003E\u003Chr\u003E\u003Cp\u003E\u003Cem\u003EYou can follow my day-to-day project updates on social media. Be sure to subscribe to my weekly update newsletter \u003Ca href=\"https:\u002F\u002Fadvancedgeekery.substack.com\u002F\"\u003Eon Substack\u003C\u002Fa\u003E, and follow me on Twitter at \u003Ca href=\"https:\u002F\u002Ftwitter.com\u002Fdavidgewirtz\"\u003E@DavidGewirtz\u003C\u002Fa\u003E, on Facebook at \u003Ca href=\"https:\u002F\u002Fwww.facebook.com\u002Fdavidgewirtz\"\u003EFacebook.com\u002FDavidGewirtz\u003C\u002Fa\u003E, on Instagram at \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002FDavidGewirtz\u002F\"\u003EInstagram.com\u002FDavidGewirtz\u003C\u002Fa\u003E, and on YouTube at \u003Ca href=\"https:\u002F\u002Fwww.youtube.com\u002Fuser\u002FDavidGewirtzTV\"\u003EYouTube.com\u002FDavidGewirtzTV\u003C\u002Fa\u003E.\u003C\u002Fem\u003E \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Cem\u003E\u003Cbr\u003E\u003C\u002Fem\u003E\u003C\u002Fp\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-01-02 14:06:11",timezone:"UTC",updated:c,published:c},description:"It's becoming a New Year's Day tradition to check in on the value of my amusing little Bitcoin investment. How did I do this year? Read on.",filterKey:"e362236d-7b5a-49ae-9557-0fb00ff51b32",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"c3ecca61-0639-4954-b3d1-2a892a3dca9f",image:{id:"ad496dbf-9b38-4794-a060-970811203aca",filename:"gettyimages-1436167319.jpg",dateCreated:{created:c,date:"2024-01-02 14:01:49",timezone:"UTC",updated:c,published:c},alt:"2 Bitcoins",credits:"spawns\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F01\u002F02\u002Fad496dbf-9b38-4794-a060-970811203aca\u002Fgettyimages-1436167319.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"analysis\u002Fopinion",hubTopicPathString:"Finance^Blockchain^Bitcoin",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"how-i-more-than-doubled-my-bitcoin-investment-in-2023-and-still-lost-money",startYear:c,summary:b,title:"How I more than doubled my Bitcoin investment in 2023 (and still lost money)",topic:{id:"0c436018-4922-49f9-a09c-bb581ef9a388",slug:"bitcoin",name:"Bitcoin",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"0c436018-4922-49f9-a09c-bb581ef9a388",slug:"bitcoin",name:"Bitcoin",typeName:"content_topic",uuid:b,primary:a,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eileen.yu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003ETencent Cloud is eager to tap Asia's growing demand for media services, offering up a product portfolio that includes newly launched \"metaverse-in-a-box\" to help businesses with their Web3 initiatives. The Chinese tech giant, however, remains coy on how generative artificial intelligence (AI) tools such as ChatGPT, will play a role in its overall vision. \u003C\u002Fp\u003E\u003Cp\u003EFor now, it is openly bullish about market opportunities in media services, which it believes will grow 19-fold in Asia-Pacific between 2016 and 2026. It is the region with the most video-on-demand subscribers, said Poshu Yeung, Tencent Cloud International's senior vice president, during a media briefing in Singapore. \u003C\u002Fp\u003E\u003Cp\u003ERegional markets such as Singapore, Malaysia, Indonesia, and Thailand, will see significant growth opportunities in media services, driven by accelerated growth in Southeast Asia's data centre industry, Tencent said. \u003C\u002Fp\u003E\u003Cp\u003EThe cloud vendor last year launched its media services business, touting it as a one-stop audio and video offering that spanned video-on-demand, live streaming, real-time communication, and instant messaging services, amongst others. Of the 400 media services it offers, 150 are available outside of China. \u003C\u002Fp\u003E\u003Cp\u003EBacked by a wider company ecosystem that has more than 20 years of experience in \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ftencent-reports-29-revenue-growth-on-online-games-boost\u002F\" target=\"_blank\"\u003Eonline games and media development\u003C\u002Fa\u003E, Tencent Cloud is able to tap this knowledge pool in its media services delivery, Yeung said. \u003C\u002Fp\u003E\u003Cp\u003EAlso central to this is the company's \"immersive convergence\" strategy, which encompasses technologies including \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-web3-everything-you-need-to-know-about-the-decentralised-future-of-the-internet\u002F\" target=\"_blank\"\u003EWeb3\u003C\u002Fa\u003E that help \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Falibaba-jd-com-heat-up-offline-online-competition-in-china\u002F\" target=\"_blank\"\u003Ebring together the online and physical\u003C\u002Fa\u003E environments to offer seamless connectivity and user experience.\u003C\u002Fp\u003E\u003Cp\u003ETo drive Web3 development, for instance, Tencent on Wednesday launched \"metaverse-in-a-box\", which offers a suite of tools including SDKs and low-code applications to help businesses quickly develop metaverse services. These can be applied in games, media and entertainment, as well as traditional sectors, according to Tencent. \u003C\u002Fp\u003E\u003Cp\u003EYeung said: \"We see a future with Web3, a new iteration of the internet that ushers in the concept of 'immersive convergence' where the physical and digital economies meet and integrate. With more businesses now keen to explore and adapt to an efficient, transparent digital future, we are ready to leverage our technical experience in the fields of games, audio, and video to provide technical support for Web3, and work with industry partners to create a more immersive experience and nurture a better Web3 ecosystem.\" \u003C\u002Fp\u003E\u003Cp\u003EZDNET asked where generative AI tools fit into this strategy and why ChatGPT was generating so much interest when AI chatbots, including those offered by Tencent, had been in the market for several years. \u003C\u002Fp\u003E\u003Cp\u003EUS vendors including \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fmicrosoft-just-made-a-huge-investment-in-chatgpt-maker-openai-heres-why\u002F\" target=\"_blank\"\u003EMicrosoft\u003C\u002Fa\u003E and \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fgoogle-steps-up-work-on-chatgpt-rivals\u002F\" target=\"_blank\"\u003EGoogle\u003C\u002Fa\u003E already have unveiled their \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-ai-chatbot\u002F\" target=\"_blank\"\u003EChatGPT alternatives\u003C\u002Fa\u003E, and their China counterparts such as Alibaba and Baidu reportedly are working on their own offerings. \u003C\u002Fp\u003E\u003Cp\u003EWhile Tencent was said to also be exploring similar plans, its executives were reluctant to share details or confirm a roadmap. \u003C\u002Fp\u003E\u003Cp\u003EWhen probed further, Yeung said the vendor had been \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ftencent-to-support-startup-incubator-scheme-with-singapore-university\u002F\" target=\"_blank\"\u003Etapping AI technologies\u003C\u002Fa\u003E and integrating these into its products for \"years\". Similarly, he noted that Tencent had been working on metaverse technologies--for instance, in its online games--before the term was formally established in the industry. \u003C\u002Fp\u003E\u003Cp\u003EAdding that generative AI was just another descriptive term that now was widely used, he said while there were no specific plans related to ChatGPT, the vendor would continue its work in the AI field and to explore new developments. \u003C\u002Fp\u003E\u003Cp\u003ETencent was more willing to share its plans for Web3, which now will include the development of blockchain API (application programming interface) services, following a new partnership agreement with Web3 infrastructure provider Ankr. Deployed over Tencent's cloud infrastructure, these API services will provide a global decentralised network of RPC (remote procedure call) nodes that can power Web3 development projects.\u003C\u002Fp\u003E\u003Cp\u003ETencent on Wednesday also signed up three Web3 blockchain partners to help businesses with their Web3 deployment. The partners include Ava Labs, which provides smart contracts platform Avalanche that is touted to enable Web3 developers to build scalable, custom applications. An Avalanche node has been set up on Tencent Cloud. \u003C\u002Fp\u003E\u003Cp\u003E\"We think the biggest breakthrough for Web3 is that it introduces more ownership and privilege for users,\" said Yimin Long, Tencent Cloud's general manager for media solutions. These will need to be facilitated with smart contracts, he added. \u003C\u002Fp\u003E\u003Cp\u003EFurther development in Web3 will lead to more diverse applications, such as the development of chatbots and group management for chat services, Long said.\u003C\u002Fp\u003E\u003Cp\u003EPointing to the metaverse, he said Tencent's experience in online games and communication services spanning text, audio, video, and 3D, will be a competitive advantage. \u003C\u002Fp\u003E\u003Ch3\u003ERELATED COVERAGE\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ftencent-cloud-pledges-sea-expansion-with-launch-of-indonesia-data-centre\u002F\" target=\"_blank\"\u003ETencent Cloud pledges SEA expansion with launch of Indonesia data centre\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ftencent-to-support-startup-incubator-scheme-with-singapore-university\u002F\" target=\"_blank\"\u003ETencent to support startup incubator scheme with Singapore university\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Falibaba-cloud-eyes-web3-potential-participation-on-singapore-government-cloud\u002F\" target=\"_blank\"\u003EAlibaba Cloud eyes Web3 potential, participation on Singapore government cloud\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fchina-lays-out-ground-rules-to-stem-deepfake-abuse\u002F\" target=\"_blank\"\u003EChina lays out ground rules to stem deepfake abuse\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fchina-aims-to-become-global-ai-leader-by-2030\u002F\" target=\"_blank\"\u003EChina aims to become global AI leader by 2030\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-02-22 11:14:00",timezone:"UTC",updated:c,published:c},description:"Chinese cloud vendor introduces \"metaverse-in-a-box\" offering as part of efforts to tap the region's growing demand for media services, but remains mum on any plans that may involve AI chatbots, such as ChatGPT.",filterKey:"e362236d-7b5a-49ae-9557-0fb00ff51b32",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"8e40ab25-0b72-416a-b696-d1f918db2d79",image:{id:"9034344c-b982-4016-a6f2-dd5a1a1e4bf6",filename:"gettyimages-1351539614-metaverse-virtual-reality.jpg",dateCreated:{created:c,date:"2022-03-09 20:42:01",timezone:"UTC",updated:c,published:c},alt:"gettyimages-1351539614-metaverse-virtual-reality.jpg",credits:"Getty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F03\u002F09\u002F9034344c-b982-4016-a6f2-dd5a1a1e4bf6\u002Fgettyimages-1351539614-metaverse-virtual-reality.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2000,height:1500,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Innovation^Cloud",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"tencent-cloud-goes-loud-on-metaverse-coy-on-chatgpt-plans",startYear:c,summary:b,title:"Tencent Cloud goes loud on metaverse, coy on ChatGPT plans",topic:{id:"101518dd-ec91-11e3-95d2-02911863765e",slug:"cloud",name:"Cloud",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"101518dd-ec91-11e3-95d2-02911863765e",slug:"cloud",name:"Cloud",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"114c901c-ec91-11e3-95d2-02911863765e",slug:"social-media",name:"Social Media",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"3414bf30-82eb-4a6a-a561-f193482f1643",slug:"artificial-intelligence",name:"Artificial Intelligence",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"51e0b451-bb40-4273-9929-30df33e63bc7",slug:"web3",name:"Web3",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"5a02ba38-da7f-494b-8c6e-25263e165606",slug:"metaverse",name:"Metaverse",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"7743b704-6c7c-42d8-b888-5811e7667d05",slug:"blockchain",name:"Blockchain",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eileen.yu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EFintech investments in Singapore have climbed to the highest in three years, with cryptocurrency and blockchain still capturing top dollars. \u003C\u002Fp\u003E\u003Cp\u003EInvestments for the sector grew 22% to hit $4.1 billion last year, clocking 250 deals in mergers and acquisitions, private equity, and venture capital. The number was the second-highest fintech investment over the past decade, where investments topped at $5.62 billion in 2019, just before the global pandemic landed, according to the latest KPMG Pulse of Fintech report.\u003C\u002Fp\u003E\u003Cp\u003EAcross the globe, fintech investments reached $164.1 billion across 6,006 deals  last year, down from a record $238.9 billion from 7,321 deals in 2021. The top three investment areas in 2022 were payments, followed by crypto and blockchain, and regtech (regulatory technology). \u003C\u002Fp\u003E\u003Cp\u003EIn Singapore, funds were funnelled towards the top three areas of crypto and blockchain, payments, and wealthtech. Blockchain and crypto also saw high investment interest the year before in 2021, when the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fsingapore-fintech-investments-hit-3-9b-fuelled-by-crypto\u002F\" target=\"_blank\"\u003Ecategory raked in almost half\u003C\u002Fa\u003E of total funds, raising $1.48 billion across 82 deals. \u003C\u002Fp\u003E\u003Cp\u003EAcross the Asia-Pacific region, fintech investments saw a slight increase to $50.5 billion in 2022, up from $50.2 billion in 2021. Specifically, the second half of 2022 saw just $5.8 billion in fintech investments, compared to $44.6 billion in the first half. \u003C\u002Fp\u003E\u003Cp\u003EThe KPMG report pointed to Block's $27.9 billion acquisition of Australian buy now, pay later vendor Afterpay, which accounted for more than half of the regional investments. The buyout pushed Australia to the front of the pack in Asia-Pacific, clocking $20.2 billion in fintech investments. \u003C\u002Fp\u003E\u003Cp\u003EIndia's $6 billion investment, alongside Singapore's $4.1 billion, dwarfed China's fintech investment pool, which clocked at just $770 million. \u003C\u002Fp\u003E\u003Cp\u003EThe Americas remained the leading region for fintech investments, accounting for $68.6 billion last year, with the US making up the bulk at $61.6 billion. The EMEA region recorded $44.9 billion in fintech investments. \u003C\u002Fp\u003E\u003Cp\u003EAcross the globe, payments took the largest share of fintech funds, while regtech saw the highest growth to hit $18.6 billion in 2022, up from $11.8 billion the year before. \u003C\u002Fp\u003E\u003Cp\u003ESingapore's state-owned investment firm Temasek Holdings last November said it would \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fsingapore-state-investment-firm-to-write-down-275m-in-ftx\u002F\" target=\"_blank\"\u003Ewrite down its investment in troubled cryptocurrency exchange FTX\u003C\u002Fa\u003E, stating its belief in disgraced founder Sam Bankman-Fried was \"misplaced\". Temasek had participated in two funding rounds, totalling $275 million in investment.\u003C\u002Fp\u003E\u003Cp\u003ELocal bank DBS this week said it registered an 80% year-on-year growth in the number of Bitcoin traded last year on its DBS Digital Exchange. The number of Bitcoin custodised with the bank's digital asset custody platform also doubled, it added.\u003C\u002Fp\u003E\u003Cp\u003EThe number of Ether traded on the exchange climbed almost 65% in 2022, while the amount of the crypto custodised with DBS grew more than 60%.  \u003C\u002Fp\u003E\u003Cp\u003EThe Singapore bank has just under 1,200 customers registered with the digital exchange, as of December 31, 2022.\u003C\u002Fp\u003E\u003Ch3\u003ERELATED COVERAGE\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fsingapore-state-investment-firm-to-write-down-275m-in-ftx\u002F\" target=\"_blank\"\u003ESingapore state investment firm to write down $275M in FTX\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fcrypto-exchange-urges-singapore-to-implement-practical-regulation-on-back-of-ftx-collapse\u002F\" target=\"_blank\"\u003ECrypto exchange urges Singapore to implement 'practical' regulation on back of FTX collapse\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fsingapore-fintech-investments-hit-3-9b-fuelled-by-crypto\u002F\" target=\"_blank\"\u003ESingapore fintech investments hit $3.9B, fuelled by crypto\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fsingapore-explores-programmable-digital-currency-use-cases-with-industry-trials\u002F\"\u003ESingapore explores programmable digital currency use cases with industry trials\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fsingapore-to-pilot-digital-asset-trading-with-blockchain-tokenisation\u002F\"\u003ESingapore to pilot digital asset trading with blockchain, tokenisation\u003C\u002Fa\u003E\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fethereum-most-popular-cryptocurrency-amongst-singapore-investors\u002F\"\u003EEthereum most popular cryptocurrency amongst Singapore investors\u003C\u002Fa\u003E \u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fsingapore-looks-to-boost-blockchain-capabilities-with-8-9m-research-investment\u002F\"\u003ESingapore looks to boost blockchain capabilities with $8.9M research investment\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Femerging-nations-more-open-to-cryptocurrency-see-long-term-potential\u002F\"\u003EEmerging nations more open to cryptocurrency, see long-term potential\u003C\u002Fa\u003E \u003C\u002Fli\u003E\u003C\u002Ful\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-02-16 11:22:00",timezone:"UTC",updated:c,published:c},description:"Fintech investments in Singapore climb to the highest in three years, clocking $4.1 billion, as funds continue to flow towards cryptocurrency and blockchain.",filterKey:"e362236d-7b5a-49ae-9557-0fb00ff51b32",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"eda8c578-7966-4eed-b790-0ad206ce46b6",image:{id:"ddacacb0-2992-4967-8ffd-86f28b8570c6",filename:"fintech-1.jpg",dateCreated:{created:c,date:"2018-04-27 18:00:52",timezone:"UTC",updated:c,published:c},alt:"fintech-1.jpg",credits:"Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2018\u002F04\u002F27\u002Fddacacb0-2992-4967-8ffd-86f28b8570c6\u002Ffintech-1.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1500,height:1238,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Finance",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"singapore-still-finding-crypto-gold-as-fintech-investments-hit-4-1b",startYear:c,summary:b,title:"Singapore still finding crypto gold as fintech investments hit $4.1B",topic:{id:i,slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:i,slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0c436018-4922-49f9-a09c-bb581ef9a388",slug:"bitcoin",name:"Bitcoin",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"115511f0-ec91-11e3-95d2-02911863765e",slug:"startups",name:"Startups",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"7743b704-6c7c-42d8-b888-5811e7667d05",slug:"blockchain",name:"Blockchain",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"a5a7f0f8-cbec-4ede-9882-a76bb6d146b9",slug:"crypto-wallets",name:"Crypto Wallets",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9a23272b-10d6-11e4-9732-00505685119a",username:"David Gewirtz",profileUrl:c,email:c,firstName:"David",lastName:"Gewirtz",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"de4475ef-be59-4858-beb8-6f7696c85945",filename:"david-gewirtz.jpg",dateCreated:{created:c,date:"2022-08-05 15:19:52",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002Fde4475ef-be59-4858-beb8-6f7696c85945\u002Fdavid-gewirtz.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"In addition to hosting the ZDNET Government and ZDNet DIY-IT blogs, David Gewirtz is an author, U.S. policy advisor, and computer scientist. He is featured in The History Channel special The President's Book of Secrets, is one of America's foremost cyber-security experts, and is a top expert on saving and creating jobs. He is also director of the U.S. Strategic Perspective Institute as well as the founder of ZATZ Publishing.\r\n\r\nDavid is a member of FBI InfraGard, the Cyberwarfare Advisor for the International Association for Counterterrorism & Security Professionals, a columnist for The Journal of Counterterrorism and Homeland Security, and has been a regular CNN contributor, and a guest commentator for the Nieman Watchdog of the Nieman Foundation for Journalism at Harvard University. He is the author of Where Have All the Emails Gone?, the definitive study of email in the White House, as well as How To Save Jobs and The Flexible Enterprise, the classic book that served as a foundation for today's agile business movement.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"adbe2cd5-594d-4483-a394-67f52326451c\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Getty Images\" data-image-alt-text=\"Metallic Bitcoin symbol standing on red question mark over black background.\" data-image-filename=\"gettyimages-903904418-metallic-bitcoin-symbol-standing-on-red-question-mark-over-black-background.jpg\" data-image-date-created=\"2022\u002F03\u002F04\" data-image-width=\"1732\" data-image-height=\"1299\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThis was supposed to be an easy article to write. In January of 2022, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fi-bought-bitcoin-from-paypal-heres-what-happened\u002F\" target=\"_blank\"\u003EI spent a few bucks investing in bitcoin\u003C\u002Fa\u003E. My plan back then was to wait a year, and then write an article (this one, in fact) showing how much I gained (or lost) over the course of the year. It was to be stunt writing at its best.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"c20a9d86-5bb9-4729-97f3-299c0b1182e4\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fc20a9d86-5bb9-4729-97f3-299c0b1182e4\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EBut that's not how its turning out. Oh, sure. I lost a huge percentage of my investment. But I can't just throw bitcoin (or even \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fcryptocurrency-101-what-every-business-needs-to-know\u002F\" target=\"_blank\"\u003Ecryptocurrency\u003C\u002Fa\u003E in general) under the bus and claim that crypto is a bad investment. That's because a wide range of investments (especially tech) plummeted in 2022. \u003C\u002Fp\u003E\u003Cp\u003EWe're way beyond the scope of a \"correction,\" where the market adjusts for an unexpected bout of exuberance. But we're not at the legendary (but \u003Ca href=\"https:\u002F\u002Fwww.smithsonianmag.com\u002Fhistory\u002Fthere-never-was-real-tulip-fever-180964915\u002F\"\u003Enot necessarily true\u003C\u002Fa\u003E) tulip craze either, where investors get their comeuppance for believing in some bonkersly stupid investment idea. \u003C\u002Fp\u003E\u003Cp\u003ENo, we're at the beginning of 2023 and much of the market has tanked. This isn't a tulip or crypto or craze sort of story. Instead, it's a story about the vagaries of investment and how you need to be careful where you put your hard-earned money. \u003C\u002Fp\u003E\u003Ch2\u003E My bitcoin journey \u003C\u002Fh2\u003E\u003Cp\u003EOn January 1, 2022, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fi-bought-bitcoin-from-paypal-heres-what-happened\u002F\"\u003EI bought $50 worth of bitcoin through PayPal\u003C\u002Fa\u003E. That was an interesting process all on its own. It cost me a buck fifteen in fees to make the purchase, so all-in, I spent $51.15 to embark upon this grand experiment. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ESee also:\u003C\u002Fstrong\u003E \u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fi-bought-bitcoin-from-paypal-heres-what-happened\u002F\"\u003EI bought Bitcoin from PayPal. Here's what happened\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fin-just-a-week-my-bitcoin-investment-plummeted-by-almost-14\u002F\"\u003EIn just a week, my Bitcoin 'investment' plummeted by almost 14%\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Flet-me-be-blunt-dont-buy-crypto-unless-youre-fully-prepared-to-lose-your-shirt\u002F\"\u003ELet me be blunt: Don't buy crypto unless you're fully prepared to lose your shirt\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fmy-bitcoin-investment-after-exactly-six-months-how-much-did-i-gain-or-lose\u002F\"\u003EMy Bitcoin 'investment': After exactly six months, how much did I gain or lose?\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EWithin minutes, I lost 25 cents. After one night, my losses amounted to a whole 32 cents. But, of course, that was just the beginning. \u003C\u002Fp\u003E\u003Cp\u003EI next checked in \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fin-just-a-week-my-bitcoin-investment-plummeted-by-almost-14\u002F\"\u003Eseven days later\u003C\u002Fa\u003E and my investment had dropped again. This time, I was down a total of $7.08, for a 13.84% drop. I \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Flet-me-be-blunt-dont-buy-crypto-unless-youre-fully-prepared-to-lose-your-shirt\u002F\"\u003Echecked again at the end of January\u003C\u002Fa\u003E, and my holdings had dropped again. In three weeks, my losses doubled. I was down $14.38, for a total drop of 28.11%. \u003C\u002Fp\u003E\u003Cp\u003EThen, I waited. I gave it a full six months. Exactly six months into my bitcoin investment, I checked into my vast holdings. As of July 1, my $50 was worth $20.30. My portfolio had lost 60.31% of its value. \u003C\u002Fp\u003E\u003Cp\u003ENow, we're at a full year. I haven't looked at the value of my bitcoin since July. Let's check it together. I'm about to login to PayPal and take a look. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"4c69f9c0-39a1-47f6-b96d-a0e0870795df\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"crypto-on-paypal-2023-01-01-10-18-51\" data-image-filename=\"crypto-on-paypal-2023-01-01-10-18-51.jpg\" data-image-date-created=\"2023\u002F01\u002F02\" data-image-width=\"552\" data-image-height=\"321\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EWell, that's interesting. My bitcoin investment lost 60.31% percent of its value in the first six months of my holding it. But it lost only another 5.63% in the second six months. My bitcoin investment is now worth only a paltry $17.42. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"0a3bcd70-9ae3-46f3-afce-92135cc473e2\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"bitcoin-001\" data-image-filename=\"bitcoin-001.jpg\" data-image-date-created=\"2023\u002F01\u002F02\" data-image-width=\"1920\" data-image-height=\"1080\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EConsidering how volatile it was during the first six months (and especially the first month of 2022), it's been remarkably stable these last six months. \u003C\u002Fp\u003E\u003Ch2\u003E The rest of the story \u003C\u002Fh2\u003E\u003Cp\u003ENow is the time when I expected to mock bitcoin. After all, losing 60.31% of your investment in six months is a terrible loss. I expected to discuss how it would be better to invest in something that wasn't totally fake, yada, yada, yada. \u003C\u002Fp\u003E\u003Cp\u003EBut life isn't that simple. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"ef5a86cb-3856-4b67-830b-9e187ae4c699\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fef5a86cb-3856-4b67-830b-9e187ae4c699\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EOkay, look. I'm about to start discussing stock values and investments, so a massive disclaimer is in order. I am not a stocks or investment expert. I'm not telling you any of this to give you investment advice. I'm just reporting on behavior based on publicly available data. So, before you go betting your money on anything I talk about, think again. \u003C\u002Fp\u003E\u003Cp\u003EFrankly, beyond the fifty bucks I gambled away on bitcoin, I have no other investments. I'm not big on gambling. Since I don't have confidence in my ability to spot a sure thing, I've avoided investing in stocks and crypto altogether. End disclaimer. \u003C\u002Fp\u003E\u003Cp\u003ELet's get back to the whole crypto investment theme. To do that, we need to take a pause and look at the news of the day. \u003C\u002Fp\u003E\u003Cp\u003EWhen the markets closed for the final time in 2022 on Friday, investors were shaken by how much of a beating they'd taken overall. \u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002F2022\u002F12\u002F29\u002Fstock-market-futures-open-to-close-news.html\"\u003ECNBC reported\u003C\u002Fa\u003E, \"Stocks fall to end Wall Street's worst year since 2008.\" \u003C\u002Fp\u003E\u003Cp\u003EIf you look at the major indexes (the Dow, S&P, and NASDAQ), all were down for 2022. These are aggregated indexes of companies across industries and, as such, reflect business performance overall. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"74ea24f2-1056-4503-bf19-432c7fbc8255\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"bitcoin-002\" data-image-filename=\"bitcoin-002.jpg\" data-image-date-created=\"2023\u002F01\u002F02\" data-image-width=\"1920\" data-image-height=\"1080\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EBut these are index stocks, which means their value is representative of the movement of all their members. If some members do great, but most do poorly, then the entire index will trend down. \u003C\u002Fp\u003E\u003Cp\u003EThe biggest tech stocks did particularly badly in 2022. Apple lost 26% of its value, Amazon lost almost half, and Meta (Facebook) dropped almost 65%. IBM, on the other hand, did particularly well. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"0709cd2f-58f4-41eb-ac81-6a9331bafe98\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"bitcoin-003\" data-image-filename=\"bitcoin-003.jpg\" data-image-date-created=\"2023\u002F01\u002F02\" data-image-width=\"1920\" data-image-height=\"1080\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EStocks across other industries had more varied performance. Retailers like Home Depot and Walmart lost value, but health providers and oil companies continued to grow in value. This list is far from comprehensive, but it helps showcase that parts of the economy did rather well, even as investment performance in tech -- particularly the top tier big names -- didn't do as well. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"172373c7-f3c2-4126-a467-ce07cf696f47\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"bitcoin-004\" data-image-filename=\"bitcoin-004.jpg\" data-image-date-created=\"2023\u002F01\u002F02\" data-image-width=\"1920\" data-image-height=\"1080\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003E What does it all mean? \u003C\u002Fh2\u003E\u003Cp\u003ESo, the top-line conclusion is simple. Investing is something of a gamble. You could gain a lot. For example, if you'd invested $1,000 in Exxon Mobile at the beginning of the year, you'd have $1,802 today. \u003C\u002Fp\u003E\u003Cp\u003EBut if you'd invested that same $1,000 in Tesla last January (and yes, we all know \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ftwitter-quit-elon-quit\u002F\"\u003Ethe whole Twitter\u002FMusk story\u003C\u002Fa\u003E is part of this), you'd have only $349 left. \u003C\u002Fp\u003E\u003Cp\u003EBut you can't blame all of tech stock's loss on Musk. A thousand dollars invested in Facebook a year ago would have been worth only $357 today. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"8ed44272-2c0b-4b6d-8ab3-dc2dd9e460a3\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"bitcoin-005\" data-image-filename=\"bitcoin-005.jpg\" data-image-date-created=\"2023\u002F01\u002F02\" data-image-width=\"1920\" data-image-height=\"1080\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThis is why investing seems like gambling to me. Last January, I considered my bitcoin investment to be an experiment for the benefit of ZDNET readers. I thought there was a (very) slim chance I might make a few bucks, but I was pretty convinced I'd lose a few instead. \u003C\u002Fp\u003E\u003Cp\u003EBut had you asked me whether my bitcoin investment was more chancy than, say, an investment in Tesla, I would have told you \"sure.\" After all, bitcoin is all magic rainbows and unicorns. It's imaginary currency and nothing is real. On the other hand, Tesla makes fine cars and has factories and technology and such. \u003C\u002Fp\u003E\u003Cp\u003EThe idea that a thousand dollar investment in Tesla stock on January 1, 2022 would have the same value on January 1, 2023 (within pennies) of a thousand dollars invested in Bitcoin would have seemed ludicrous. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Felon-musks-tesla-has-sold-75-of-its-bitcoin-heres-why\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EElon Musk's Tesla has sold 75% of its Bitcoin: Here's why\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EAs I said, \u003Ca href=\"https:\u002F\u002Fwww.wsj.com\u002Farticles\u002Ftesla-stock-is-headed-for-its-biggest-ever-annual-decline-11672374248\"\u003Eyou can't blame it all on Elon Musk\u003C\u002Fa\u003E, no matter how much he seems like a comic book villain. A thousand bucks invested in Facebook last January is worth just a few bucks more than a thousand dollars invested in bitcoin, and Musk had nothing directly to do with that collapse. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ETiming matters, of course. Back in the day, I actually started my first company using the profits I made from an Apple stock investment. But had I made that investment in Apple in 2022, I wouldn't have had any profits to use to start much of anything. \u003C\u002Fp\u003E\u003Cp\u003EInvestment is about (hopefully) buying low and selling high. It's not about buying according to a calendar entry. So no sane investor would buy on January 1, 2022 and plan on selling on January 1, 2023. Instead, a good investor would expect to hold onto an investment until it's time to sell. That concept became such an issue of controversy among crypto enthusiasts, though, that a misspelling of the word \"hold\" launched a mocking meme for traditional investment strategy, \u003Ca href=\"https:\u002F\u002Fwww.nerdwallet.com\u002Farticle\u002Finvesting\u002Fhodl-a-typo-takes-hold-as-a-sound-cryptocurrency-strategy\"\u003EHODL\u003C\u002Fa\u003E (hold on for dear life), in response. \u003C\u002Fp\u003E\u003Cp\u003ESo, what does it all mean? \u003C\u002Fp\u003E\u003Cp\u003EI started this experiment at the beginning of 2022 expecting to show you that cryptocurrency was a much less reliable investment than more traditional investment vehicles. I'm ending 2022 showing you that it's all a crap shoot. \u003C\u002Fp\u003E\u003Cp\u003EMy experiment was, essentially, a data gathering expedition that didn't come home with reliable results. I can't tell you to avoid crypto. I can't tell you to invest in crypto. I can't tell you to avoid stocks. I can't tell you to invest in stocks. \u003C\u002Fp\u003E\u003Cp\u003EWhat I can tell you is this: if you have no idea, don't risk your money. Unless you know a lot more about stocks and investment and crypto than I apparently do, hang onto your cash or invest it in whatever is considered safe these days. That's probably something like mutual funds, but at this point, I wouldn't feel comfortable making any kind of recommendation. \u003C\u002Fp\u003E\u003Cp\u003EDo your research. Ask around. Listen to your gut. And definitely don't invest more than you can afford to lose. \u003C\u002Fp\u003E\u003Cp\u003EThat said, I have a good overall feeling about 2023. Have a great year, folks! \u003C\u002Fp\u003E\u003Cp\u003EHow are you feeling about cryptocurrency investments after 2022? What are your plans for 2023? Let us know in the comments below. And hey, if you had a great New Year's weekend, let us know about that, too. \u003C\u002Fp\u003E\u003Chr\u003E\u003Cp\u003E\u003Cem\u003EYou can follow my day-to-day project updates on social media. Be sure to follow me on Twitter at \u003Ca href=\"https:\u002F\u002Ftwitter.com\u002Fdavidgewirtz\"\u003E@DavidGewirtz\u003C\u002Fa\u003E, on Facebook at \u003Ca href=\"https:\u002F\u002Fwww.facebook.com\u002Fdavidgewirtz\"\u003EFacebook.com\u002FDavidGewirtz\u003C\u002Fa\u003E, on Instagram at \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002FDavidGewirtz\u002F\"\u003EInstagram.com\u002FDavidGewirtz\u003C\u002Fa\u003E, and on YouTube at \u003Ca href=\"https:\u002F\u002Fwww.youtube.com\u002Fuser\u002FDavidGewirtzTV\"\u003EYouTube.com\u002FDavidGewirtzTV\u003C\u002Fa\u003E.\u003C\u002Fem\u003E \u003C\u002Fp\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-01-03 17:47:00",timezone:"UTC",updated:c,published:c},description:"Last year on New Year's Day, I made an investment in bitcoin with the goal of holding it for a year and reporting back on the results. To say they were unexpected is an understatement.",filterKey:"e362236d-7b5a-49ae-9557-0fb00ff51b32",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"cbfd446c-9281-4d91-8232-a0471afe38bb",image:{id:"adbe2cd5-594d-4483-a394-67f52326451c",filename:"gettyimages-903904418-metallic-bitcoin-symbol-standing-on-red-question-mark-over-black-background.jpg",dateCreated:{created:c,date:"2022-03-04 19:34:06",timezone:"UTC",updated:c,published:c},alt:"crypto-on-paypal-2023-01-01-10-18-51",credits:"Getty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F03\u002F04\u002Fadbe2cd5-594d-4483-a394-67f52326451c\u002Fgettyimages-903904418-metallic-bitcoin-symbol-standing-on-red-question-mark-over-black-background.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1732,height:1299,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"analysis\u002Fopinion",hubTopicPathString:"Finance^Blockchain^Bitcoin",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"how-much-did-i-lose-on-my-2022-bitcoin-investment-its-complicated",startYear:c,summary:b,title:"How much did I lose on my 2022 bitcoin investment? It's complicated",topic:{id:"0c436018-4922-49f9-a09c-bb581ef9a388",slug:"bitcoin",name:"Bitcoin",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"0c436018-4922-49f9-a09c-bb581ef9a388",slug:"bitcoin",name:"Bitcoin",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"cffffbb9-4216-4598-889e-16dcbf4da4ba",slug:"investing",name:"Investing",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eileen.yu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EAlibaba Cloud is looking to ride the growth of Web3 by offering the platforms and tools it thinks developers will need to bring their applications more quickly to market. The Chinese cloud vendor also is hoping to be part of Singapore's roadmap to move its government services to a commercial cloud environment, which currently encompasses Amazon Web Services (AWS), Google Cloud, and Microsoft Azure.\u003C\u002Fp\u003E\u003Cp\u003EAlibaba earlier this year established a team focused on driving its Web3 strategy across its international markets, outside China. Efforts here included enhancing its infrastructure, products and services, and partners to support customers' transition to Web3 applications, said Raymond Xiao, Alibaba Cloud's head of international industry solutions and architecture. \u003C\u002Fp\u003E\u003Cp\u003EThe Chinese cloud vendor believes \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-web3-everything-you-need-to-know-about-the-decentralised-future-of-the-internet\u002F\" target=\"_blank\"\u003EWeb3 development\u003C\u002Fa\u003E is driven by blockchain and immutable ledger technologies, with proponents such as the metaverse and social games that are built on top of public or private blockchains. \u003C\u002Fp\u003E\u003Cp\u003EAlibaba's Web3 gameplay spans four key areas, including cloud native and blockchain development, and sits on its blockchain infrastructure as the underlying foundation. Its primary goal here is to support developers in their Web3 journey, providing tools they need for agility and to more quickly bring new applications to market. \u003C\u002Fp\u003E\u003Cp\u003EThis meant pushing out products such as Alibaba Cloud Container Service for Kubernetes and serverless technologies, Xiao said in an interview with ZDNET, adding that its Web3 portfolio currently includes more than 20 serverless services as well as private key and smart contract management tools.\u003C\u002Fp\u003E\u003Cp\u003EA new blockchain node service also will be launched next quarter, enabling Web3 developers to access different blockchain protocols including Avalanche and Polygon, he said. \u003C\u002Fp\u003E\u003Cp\u003EAvailable only to customers outside of China, the PaaS (platform-as-a-service) offering will help cut operational and maintenance time for Web3 developers, who traditionally have to build and maintain each node. The new blockchain node service is API-driven, he added.  \u003C\u002Fp\u003E\u003Cp\u003EStressing that Web3 still was evolving and its development in the early stage, Xiao said Alibaba would have to continue monitoring customer requirements and ensuring the underlying technology it offered were in line with market demand. \u003C\u002Fp\u003E\u003Cp\u003EThis would be centred on the need to build applications quickly on blockchain, he said, adding that Alibaba would look to push out more API services and developer toolkits to support this. \u003C\u002Fp\u003E\u003Ch3\u003ELooking to support Singapore government cloud move\u003C\u002Fh3\u003E\u003Cp\u003EThe Chinese cloud vendor also expressed a keen interest to participate in Singapore's efforts to move its government services to cloud platforms. \u003C\u002Fp\u003E\u003Cp\u003ESingapore in late-2018 unveiled a five-year \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-government-pushes-on-with-cloud-migration\u002F\" target=\"_blank\"\u003Eroadmap to move\u003C\u002Fa\u003E the majority of its on-premise IT systems to commercial cloud platforms, as it looked to speed up the delivery and improve quality of government services to its population. Dubbed Government on Commercial Cloud (GCC), the strategy aims to provide government agencies with a framework on adopting commercial services offered by cloud vendors. \u003C\u002Fp\u003E\u003Cp\u003EThe \u003Ca href=\"https:\u002F\u002Fwww.developer.tech.gov.sg\u002Fproducts\u002Fcategories\u002Finfrastructure-and-hosting\u002Fgovernment-on-commercial-cloud\u002Foverview\" target=\"_blank\"\u003Eroadmap currently is in its second phase\u003C\u002Fa\u003E, which the Singapore government says will look to tap existing cloud-native capabilities and enable product teams to deliver government digital services \"more quickly and securely at reduced costs\". There currently are more than 600 e-government services on the GCC, including Whole of Government Application Analytics and MyCareersFuture.\u003C\u002Fp\u003E\u003Cp\u003EGeneral availability of GCC 2.0 on AWS was rolled out in May this year, with Azure added to the roster just last month. Google Cloud Platform is slated for general availability next year. Apart from the three, no other cloud vendors have been announced for integration on the GCC 2.0 roadmap. \u003C\u002Fp\u003E\u003Cp\u003EAlibaba Cloud is hoping this will change in the near future, with \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Falibaba-setting-up-cloud-datacentre-international-hq-in-singapore\u002F\" target=\"_blank\"\u003Eits Singapore\u003C\u002Fa\u003E general manager Derek Wang expressing interest in collaborating with the government on the GCC. Adding more vendors to the mix was critical to offer users more choice, noted Wang.\u003C\u002Fp\u003E\u003Cp\u003EHe told ZDNET that Alibaba already was working with government agencies here on other initiatives, including projects that involved data and \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Falibaba-sets-up-ai-research-facility-with-singapore-university\u002F\" target=\"_blank\"\u003Eartificial intelligence\u003C\u002Fa\u003E (AI), but was unable to provide details due to confidentiality clauses. \u003C\u002Fp\u003E\u003Cp\u003EWith growing interest in ESG (environment, social, governance), he said the Chinese cloud vendor also was helping organisations in Singapore with their net zero carbon emission strategies, such as tapping water cooling technology for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-only-data-centres-that-are-efficient\u002F\" target=\"_blank\"\u003Egreen data centres\u003C\u002Fa\u003E. This would further support the government's goal to drive sustainable developments and achieve net zero emissions. \u003C\u002Fp\u003E\u003Cp\u003EWang added that Alibaba's research arm Damo Academy has a team in Singapore working on various capabilities including natural language processing (NLP), which could deliver speech translation services for the public sector. \u003C\u002Fp\u003E\u003Cp\u003EXiao also pointed to Alibaba's experience in providing e-government services in China and other global markets, offering use cases that could be deployed in Singapore. \u003C\u002Fp\u003E\u003Ch3\u003ERELATED COVERAGE\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-government-pushes-on-with-cloud-migration\u002F\" target=\"_blank\"\u003ESingapore government pushes on with cloud migration\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Falibaba-cloud-to-build-own-servers-with-new-in-house-chip\u002F\" target=\"_blank\"\u003EAlibaba Cloud to build own servers with new in-house chip\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Falibaba-sets-up-ai-research-facility-with-singapore-university\u002F\" target=\"_blank\"\u003EAlibaba sets up AI research facility with Singapore university\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Falibaba-points-to-singapore-in-response-to-cloud-security-concerns\u002F\" target=\"_blank\"\u003EAlibaba points to Singapore in response to cloud security concerns\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Falibaba-cloud-parks-1b-in-skills-development-to-build-first-philippine-data-centre\u002F\" target=\"_blank\"\u003EAlibaba Cloud parks $1B in skills development, to build first Philippine data centre\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Falibaba-cloud-deloitte-set-up-china-facility-to-drive-automotive-applications\u002F\" target=\"_blank\"\u003EAlibaba Cloud, Deloitte set up China facility to drive automotive applications\u003C\u002Fa\u003E \u003C\u002Fli\u003E\u003C\u002Ful\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-12-16 11:11:22",timezone:"UTC",updated:c,published:c},description:"Chinese cloud vendor will introduce a blockchain node service next quarter as it pushes ahead with its Web3 strategy and is keen to play a role on Singapore's roadmap to move its government services to commercial clouds, which currently encompasses Amazon Web Services, Google, and Microsoft.",filterKey:"e362236d-7b5a-49ae-9557-0fb00ff51b32",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"e1a99e3b-6f81-4215-b5aa-384664313301",image:{id:"4dcbeeec-5455-423d-b180-5fb0b4228704",filename:"blockchain-in-english.jpg",dateCreated:{created:c,date:"2017-05-22 14:30:56",timezone:"UTC",updated:c,published:c},alt:"blockchain-in-english.jpg",credits:b,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2017\u002F05\u002F22\u002F4dcbeeec-5455-423d-b180-5fb0b4228704\u002Fblockchain-in-english.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:770,height:558,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Finance^Blockchain^Web3",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"alibaba-cloud-eyes-web3-potential-participation-on-singapore-government-cloud",startYear:c,summary:b,title:"Alibaba Cloud eyes Web3 potential, participation on Singapore government cloud",topic:{id:"51e0b451-bb40-4273-9929-30df33e63bc7",slug:"web3",name:"Web3",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"51e0b451-bb40-4273-9929-30df33e63bc7",slug:"web3",name:"Web3",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"10108f95-ec91-11e3-95d2-02911863765e",slug:"china",name:"China",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"101518dd-ec91-11e3-95d2-02911863765e",slug:"cloud",name:"Cloud",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"3414bf30-82eb-4a6a-a561-f193482f1643",slug:"ai-robotics",name:"AI & Robotics",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"7743b704-6c7c-42d8-b888-5811e7667d05",slug:"blockchain",name:"Blockchain",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eileen.yu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003ETemasek Holdings has announced plans to write down its investment in troubled cryptocurrency exchange FTX, saying its belief in disgraced founder Sam Bankman-Fried was \"misplaced\". The Singapore state-owned investment firm had participated in two funding rounds, totalling $275 million in investment.\u003C\u002Fp\u003E\u003Cp\u003EIt invested $210 million for a minority stake of about 1% in FTX International in October 2021, before forking out another $65 million for 1.5% in FTX US in January this year. Collectively, its investments in the cryptocurrency exchange accounted for 0,09% of its net portfolio value of SG$403 billion ($293.52 billion), Temasek said in a statement Thursday. \u003C\u002Fp\u003E\u003Cp\u003EPointing to its belief that exchanges were a key component of global financial systems, it said: \"The thesis for our investment in FTX was to invest in a leading digital asset exchange, providing us with protocol agnostic and market neutral exposure to crypto markets with a fee income model and no trading or balance sheet risk.\"\u003C\u002Fp\u003E\u003Cp\u003EIt noted, however, that it had become apparent its belief in the \"actions, judgement, and leadership\" of FTX's now-disgraced founder and CEO Sam Bankman-Fried was \"misplaced\".\u003C\u002Fp\u003E\u003Cp\u003ETemasek said it ran an \"extensive\" due diligence process on FTX that spanned some eight months through to its first investment in October 2021. This included a review of the exchange's audited financial statement as well as regulatory risks associated with crypto financial market service providers.\u003C\u002Fp\u003E\u003Cp\u003EPointing to reports that alleged FTX mishandled customer assets, Temasek said it held companies in which it invested accountable for their activities and obligation to comply with local laws. \u003C\u002Fp\u003E\u003Cp\u003EThe Singapore investment firm said it would move ahead to write down its full investment in FTX due to the latter's financial position, and regardless of the outcome of the exchange's bankruptcy protection filing. \u003C\u002Fp\u003E\u003Cp\u003ETemasek stressed it still believed in the potential of \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fsingapore-to-pilot-digital-asset-trading-with-blockchain-tokenisation\u002F\" target=\"_blank\"\u003Eblockchain applications and decentralised technologies\u003C\u002Fa\u003E to transform sectors, but noted that the \"nascency\" of the blockchain and crypto industry carried significant risks alongside opportunities.\u003C\u002Fp\u003E\u003Cp\u003E\"There are inherent risks whenever we invest, divest, or hold our assets, and wherever we operate,\" it said. \"While this write-down of our investment in FTX will not have significant impact on our overall performance, we treat any investment losses seriously and there will be learnings for us from this.\"\u003C\u002Fp\u003E\u003Cp\u003ETemasek said its early-state investments accounted for about 6% of its entire portfolio, with its blockchain investments \"not a significant\" part of such investments. It added that its investments here were focused on \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fsingapore-explores-programmable-digital-currency-use-cases-with-industry-trials\u002F\" target=\"_blank\"\u003Eprogrammable money\u003C\u002Fa\u003E, digital assets tokenisation, and decentralised identity and data, and included blockchain technology infrastructure such as protocols, wallets, and metaverse.  \u003C\u002Fp\u003E\u003Cp\u003ESingapore's central bank earlier this week said FTX was not licensed and did not operate in the city-state. Neither was the exchange exempted from licensing, according to the Monetary Authority of Singapore (MAS), which noted that it was not possible to prevent Singapore users from directly accessing overseas service providers, such as FTX. \u003C\u002Fp\u003E\u003Cp\u003EResponding to queries that its ban on Binance, placing on its investor alert list, had led local users to invest through FTX, MAS said Binance was not prohibited from operating in Singapore, but did not have the necessary licence to solicit customers. This meant it had to stop doing so, the industry regulator said. \u003C\u002Fp\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fbinancesingapore.zendesk.com\u002Fhc\u002Fen-us\u002Farticles\u002F4416402912525-Announcement-to-all-Binance-sg-users\" target=\"_blank\"\u003EBinance shuttered\u003C\u002Fa\u003E its digital payment token services here in February 2022 and withdrew its efforts to secure a local licence for its cryto exchange. Reports suggested the move was due to MAs' regulatory requirements, though, Binance had said it would focus its operations in Singapore on blockchain development. \u003C\u002Fp\u003E\u003Cp\u003EIn its statement this week, MAS said digital payment token service providers were licensed under the country's Payment Services Act for money laundering as well as terrorism financing risks. They also were regulated for technology risks, but were not subject to rules that protected customer monies or digital tokens from insolvency risks, it said, adding that it had repeatedly reminded the public about the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-may-introduce-further-cryptocurrency-restrictions\u002F\" target=\"_blank\"\u003Erisks of cryptocurrency trading\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Ch3\u003ERELATED COVERAGE\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fsingapore-explores-programmable-digital-currency-use-cases-with-industry-trials\u002F\" target=\"_blank\"\u003ESingapore explores programmable digital currency use cases with industry trials\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-may-introduce-further-cryptocurrency-restrictions\u002F\"\u003ESingapore may introduce further cryptocurrency restrictions\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fsingapore-to-pilot-digital-asset-trading-with-blockchain-tokenisation\u002F\"\u003ESingapore to pilot digital asset trading with blockchain, tokenisation\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fethereum-most-popular-cryptocurrency-amongst-singapore-investors\u002F\"\u003EEthereum most popular cryptocurrency amongst Singapore investors\u003C\u002Fa\u003E \u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fsingapore-looks-to-boost-blockchain-capabilities-with-8-9m-research-investment\u002F\"\u003ESingapore looks to boost blockchain capabilities with $8.9M research investment\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Femerging-nations-more-open-to-cryptocurrency-see-long-term-potential\u002F\"\u003EEmerging nations more open to cryptocurrency, see long-term potential\u003C\u002Fa\u003E \u003C\u002Fli\u003E\u003C\u002Ful\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-11-18 06:27:26",timezone:"UTC",updated:c,published:c},description:"State-owned investment firm Temasek Holdings says its belief in FTX's founder Sam Bankman-Fried has been \"misplaced\", despite an \"extensive\" due diligence process last year that led to its participating in two funding rounds.",filterKey:"e362236d-7b5a-49ae-9557-0fb00ff51b32",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"2fa962c3-881d-4569-b5a6-a83d88d1b087",image:{id:"071b4802-fbef-4124-89c5-aea81c649427",filename:"crypto.jpg",dateCreated:{created:c,date:"2021-12-10 12:08:25",timezone:"UTC",updated:c,published:c},alt:"Quantum computing occurring through rings of light",credits:"Dmitriy Rybin\u002FShutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F12\u002F10\u002F071b4802-fbef-4124-89c5-aea81c649427\u002Fcrypto.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Finance^Blockchain",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"singapore-state-investment-firm-to-write-down-275m-in-ftx",startYear:c,summary:b,title:"Singapore state investment firm to write down $275M in FTX",topic:{id:"7743b704-6c7c-42d8-b888-5811e7667d05",slug:"blockchain",name:"Blockchain",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"7743b704-6c7c-42d8-b888-5811e7667d05",slug:"blockchain",name:"Blockchain",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"115511f0-ec91-11e3-95d2-02911863765e",slug:"startups",name:"Startups",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"a5a7f0f8-cbec-4ede-9882-a76bb6d146b9",slug:"crypto-wallets",name:"Crypto Wallets",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"db604b19-7e36-41f3-a143-6be5fe825325",username:"owenhughes",profileUrl:c,email:c,firstName:"Owen",lastName:"Hughes",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"1d752f5d-5fb9-459d-b734-266c6c962d5f",filename:"owen-hughes.jpg",dateCreated:{created:c,date:"2022-08-05 14:30:36",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002F1d752f5d-5fb9-459d-b734-266c6c962d5f\u002Fowen-hughes.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Owen is a senior editor at ZDNET. Based in London, UK, Owen covers software development, IT workforce trends and the evolution of tech and work. He also handles features for ZDNET's European contributors. Owen has previously written for titles including TechRepublic, Newsweek, Mobile Europe and TechRadar.",profile:c,title:"Senior Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"e824d278-e5a1-4d3b-be1c-4d3e3f4cfa1b\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Image: Maskot \u002F Getty\" data-image-alt-text=\"a young female software developer peering over her desk, computer programming code is displayed on her PC monitor\" data-image-filename=\"developer-coder-woman-office-tech-team-looking-over-desk.jpg\" data-image-date-created=\"2022\u002F10\u002F05\" data-image-width=\"1200\" data-image-height=\"800\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ESoftware developers are spending less time experimenting with new tools and frameworks and sticking to what what they know – although the blockchain seems to be generating growing interest from coding communities.\u003C\u002Fp\u003E\u003Cp\u003ESlashData's 23rd \u003Ca href=\"https:\u002F\u002Fwww.slashdata.co\u002Ffree-resources\u002Fstate-of-the-developer-nation-23rd-edition\" target=\"_blank\"\u003EState of the Developer Nation\u003C\u002Fa\u003E report ran from June to August 2022 and reached more than 26,000 developers from 163 countries.\u003C\u002Fp\u003E\u003Cp\u003EThe research aimed to explore key developer trends for Q3 2022 and beyond, including the tools and \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fprogramming-languages-these-top-four-rule-and-developers-are-happy-for-now\u002F\" target=\"_blank\"\u003Eprogramming languages used by developers\u003C\u002Fa\u003E, and the projects they're being used for.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwant-to-get-hired-in-tech-these-programming-languages-will-get-you-the-most-interviews\u002F\" target=\"_blank\"\u003EWant to get hired in tech? These programming languages will get you the most interviews\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EThe study found that web developers are settling for a smaller number of frameworks than they may have done in the past, with researchers suggesting that developers are experimenting less and sticking with what they know and what works.\u003C\u002Fp\u003E\u003Cp\u003EReact, for example, is currently the most widely used client-side framework, SlashData found. Adoption of React has remained stable over the past two years. By comparison, the popularity of jQuery is decreasing rapidly.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"4cf0d81b-0be1-4296-bdd6-b88c14bb359e\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F4cf0d81b-0be1-4296-bdd6-b88c14bb359e\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EInterestingly, SlashData's report found that web developers who use frameworks are more likely to be \"high performers\" in software delivery than those who don't.  \u003C\u002Fp\u003E\u003Cp\u003EJavaScript remains the largest programming language community, SlashData found. According to its research, there are an estimated 19.6 million developers worldwide using JavaScript every day in everything from web development and mobile apps to backend coding, cloud and game design.\u003C\u002Fp\u003E\u003Cp\u003EJava, meanwhile, is growing rapidly. In the last two years, the size of the Java community has more than doubled from 8.3 million to 16.5 million, SlashData found. For perspective, the global developer population grew about half as fast over the same period.\u003C\u002Fp\u003E\u003Cp\u003EDespite this huge growth, Kotlin and \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fprogramming-languages-the-top-four-gain-momentum-but-challengers-remain\u002F\" target=\"_blank\"\u003ERust\u003C\u002Fa\u003E are the two fastest-growing language communities, the report found: both programming languages more than doubled in size during the past two years.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fprogramming-languages-why-meta-is-moving-its-android-apps-from-java-to-kotlin\u002F\" target=\"_blank\"\u003EProgramming languages: Why Meta is moving its Android apps from Java to Kotlin\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EPython also continued to grow strongly, adding about eight million new developers over the last two years, according to SlashData. It accredited the rise of data science and machine learning as \"a clear factor in Python's growing popularity\". Approximately 63% of machine-learning developers and data scientists report using Python, whereas less than 15% use R, another programming language often associated with data science.\u003C\u002Fp\u003E\u003Cp\u003ESlashData's 2022 report also explored how developers are involved in blockchain projects and the platforms they target.\u003C\u002Fp\u003E\u003Cp\u003EBlockchain technologies have applications in a wide range of industries, the report said, particularly in finance, logistics, and government. As such, SlashData's 2022 survey sought to understand where developers' interests lie, and why.\u003C\u002Fp\u003E\u003Cp\u003EOf the three blockchain technologies covered in the report, non-fungible tokens (NFTs) were found to be of least interest to developers: 58% showed \"no interest\" in NFTs, which SlashData said was \"likely due to its perception as a novelty\".\u003C\u002Fp\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fcryptocurrency-101-what-every-business-needs-to-know\u002F\" target=\"_blank\"\u003ECryptocurrencies\u003C\u002Fa\u003E are the most recognizable of blockchain-based technologies to developers, the report found: 27% of respondents reported they were either learning about, or currently working on, cryptocurrency-based projects.\u003C\u002Fp\u003E\u003Cp\u003ESlashData's report also looked at blockchain applications outside of cryptocurrencies, on the basis that non-crypto applications have \"the widest range of use cases and thus the most potential to shape our world\".\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fthe-future-of-money-where-blockchain-and-cryptocurrency-will-take-us-next\u002F\" target=\"_blank\"\u003EThe future of money: Where blockchain and cryptocurrency will take us next\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EThe report found that one-quarter (25%) of developers currently work on, or are learning about, blockchain applications other than cryptocurrencies. Developers with six to 10 years of experience in software development are the most likely to be working on blockchain projects, SlashData found.\u003C\u002Fp\u003E\u003Cp\u003EOverall, only 9% of developers involved in SlashData's survey were involved in blockchain technologies. This could be due to the early stage of the technology. As more learning materials are made available to lower the barriers of entry, developers might be able to get involved in blockchain earlier in their careers, SlashData said. \u003C\u002Fp\u003E\u003Cp\u003E\"Blockchain, much like cloud computing fifteen or so years ago, has the potential to underpin and enable many other technologies and experiences, but as we saw earlier, only 9% of developers are currently working on such projects,\" the report read.\u003C\u002Fp\u003E\u003Cp\u003E\"Rather than affecting an instant technological transformation, blockchain technologies have the opportunity to become a foundational technology on which our digital experience sits, much like TCP-IP – the building blocks of the internet – and developers will be key players in \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthe-future-of-the-web-the-good-the-bad-and-the-very-weird\u002F\" target=\"_blank\"\u003Eshaping this particular view of the future\u003C\u002Fa\u003E.\"\u003C\u002Fp\u003E\u003Cp\u003ESlashData also looked into the factors that motivate young people to get into computer programming and what they want from their careers.\u003C\u002Fp\u003E\u003Cp\u003EMost of the student developers surveyed identified solving problems as their top career aspiration (32%). This was followed by the desire to become an expert in a domain or technology (29%), building innovative products or services (27%), and working on challenging projects (26%). \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"961fc539-4b3d-40fb-8c43-f23e79066412\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F961fc539-4b3d-40fb-8c43-f23e79066412\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-11-11 11:21:05",timezone:"UTC",updated:c,published:c},description:"SlashData's 23rd Developer Nation global survey ran from June to August 2022 and reached more than 26,000 developers from 163 countries.",filterKey:"e362236d-7b5a-49ae-9557-0fb00ff51b32",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"bd9bb570-1022-4621-bf5b-dc8b21aa53f6",image:{id:"e824d278-e5a1-4d3b-be1c-4d3e3f4cfa1b",filename:"developer-coder-woman-office-tech-team-looking-over-desk.jpg",dateCreated:{created:c,date:"2022-10-05 15:14:22",timezone:"UTC",updated:c,published:c},alt:"a young female software developer peering over her desk, computer programming code is displayed on her PC monitor",credits:"Image: Maskot\u002F Getty",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F10\u002F05\u002Fe824d278-e5a1-4d3b-be1c-4d3e3f4cfa1b\u002Fdeveloper-coder-woman-office-tech-team-looking-over-desk.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1200,height:800,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Business^Developer",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"software-development-is-evolving-and-so-is-what-developers-are-interested-in",startYear:c,summary:b,title:"Software development is evolving, and so is what developers are interested in",topic:{id:"5d68ddc2-d682-11e4-9a74-d4ae52e95e57",slug:"developer",name:"Developer",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"5d68ddc2-d682-11e4-9a74-d4ae52e95e57",slug:"developer",name:"Developer",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"7743b704-6c7c-42d8-b888-5811e7667d05",slug:"blockchain",name:"Blockchain",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eileen.yu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003ESingapore is testing potential uses of \"purpose-bound\" digital money via trials with industry players, including funds disbursement without requiring recipients to have a bank account. However, it has found no push for a retail central bank digital currency. \u003C\u002Fp\u003E\u003Cp\u003EMonetary Authority of Singapore (MAS) said it had assessed the use of a digital equivalent of dollar notes and coins, or a retail central bank digital currency, and found no compelling need for one, at least, for the moment.\u003C\u002Fp\u003E\u003Cp\u003EIt noted, though, that it would look to build the technical capabilities and competencies required to issue a retail central bank currency, should there ever be a need for one. Subsequent reviews here would examine the optimal ledger technology to build out such a \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fdigital-currency-could-fundamentally-change-the-financial-system-says-federal-reserve\u002F\" target=\"_blank\"\u003Ecurrency and its integration\u003C\u002Fa\u003E with the country's existing financial market infrastructure, MAS said.\u003C\u002Fp\u003E\u003Cp\u003EThe Singapore central bank said it instead identified potential for purpose-bound, or programmable, digital money to enable senders to specify conditions, with which they could make transfers in digital SGD, such as types of shops and validity period. \u003C\u002Fp\u003E\u003Cp\u003EDescribing these programmable monies as \"bearer instruments\", MAS said the digital money would be embedded with programming logic and could be transferred between two parties without the need for intermediaries. Individuals could use the digital money to pay their taxes, for example, while brands could issue reward points and corporate vouchers. \u003C\u002Fp\u003E\u003Cp\u003EThe regulator said various uses cases would be tested alongside government agencies and industry players. One such trial involves DBS Bank and GovTech's open government products division would trial the disbursements of the digital government vouchers to selected individuals, who then could use the funds at participating food and beverage outlets. These merchants would directly receive the digital Singapore dollar for vouchers redeemed.\u003C\u002Fp\u003E\u003Cp\u003EIn another pilot, OCBC Bank and Central Provident Fund Board will look at the use of funds disbursement from government agencies, without requiring recipients to have a bank account. The programme would be tested in a \"controlled\" environment and with selected participants, MAS said. \u003C\u002Fp\u003E\u003Cp\u003EAn initiative to be tested out at this week's Singapore Fintech Festival involves StraitsX, Fazz Financial Group, and Grab Holdings, which will issue the digital money in the form of commercial vouchers. Some 5,000 participants will be able to use the digital vouchers through their preferred e-wallet applications and make purchases at participating merchants at the event. They also can utilise the vouchers at participating Grab merchant-partners. \u003C\u002Fp\u003E\u003Cp\u003EIn a statement Tuesday, StraitsX said the trials would explore the use of purpose-bound money for widespread distribution of money for commercial purposes and its interoperability with e-wallets, payment systems, as well as \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fsingapore-looks-to-boost-blockchain-capabilities-with-8-9m-research-investment\u002F\" target=\"_blank\"\u003Eblockchains\u003C\u002Fa\u003E. Such use cases would enable consumers to make purchases through their preferred platform with purpose-bound money tokens. \u003C\u002Fp\u003E\u003Cp\u003E\"[Purpose-bound money[ will enable individuals and organisations to embed logic-based conditions in the form of smart contracts that are automatically verified when submitted for transfers,\" StraitsX said. \"At the same time, payments can be made more efficient, as the token will unwrap and release the underlying digital currency, transferring it to a merchant's digital wallet in real-time. The digital currency can then be used by the recipient immediately for other payouts.\"\u003C\u002Fp\u003E\u003Cp\u003EMAS' chief fintech officer Sopnendu Mohanty said: \"The introduction of \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-touts-greener-digital-monetary-gifts-this-lunar-new-year\u002F\" target=\"_blank\"\u003Ee-money\u003C\u002Fa\u003E provided the ability to store value electronically and carry it with us. Digital currencies go beyond that, allowing money to be programmed and used for specific purposes only. Through practical experimentation with the industry, we [will] sharpen our understanding of the potential uses of a digital Singapore dollar and the infrastructure required to support it.\"\u003C\u002Fp\u003E\u003Ch3\u003ERELATED COVERAGE\u003C\u002Fh3\u003E\u003Cul\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-may-introduce-further-cryptocurrency-restrictions\u002F\" target=\"_blank\"\u003ESingapore may introduce further cryptocurrency restrictions\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fsingapore-to-pilot-digital-asset-trading-with-blockchain-tokenisation\u002F\"\u003ESingapore to pilot digital asset trading with blockchain, tokenisation\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fethereum-most-popular-cryptocurrency-amongst-singapore-investors\u002F\"\u003EEthereum most popular cryptocurrency amongst Singapore investors\u003C\u002Fa\u003E \u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fsingapore-looks-to-boost-blockchain-capabilities-with-8-9m-research-investment\u002F\"\u003ESingapore looks to boost blockchain capabilities with $8.9M research investment\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fsingapore-australia-amongst-four-central-banks-to-test-cross-border-digital-payments-platform\u002F\"\u003ESingapore, Australia amongst four central banks to test cross-border digital payments platform\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Femerging-nations-more-open-to-cryptocurrency-see-long-term-potential\u002F\" target=\"_blank\"\u003EEmerging nations more open to cryptocurrency, see long-term potential\u003C\u002Fa\u003E \u003C\u002Fli\u003E\u003C\u002Ful\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-11-01 10:40:00",timezone:"UTC",updated:c,published:c},description:"Central bank says it is testing various uses of \"purpose-bound\" digital money with industry players, including funds disbursement without requiring recipients to have a bank account.",filterKey:"e362236d-7b5a-49ae-9557-0fb00ff51b32",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"0328294d-a037-4b14-aac2-98ac7c5a6f07",image:{id:"c19d1380-15c3-463b-9794-ed323cfcb96b",filename:"it-budgets-2019-intro-thumb.png",dateCreated:{created:c,date:"2018-08-22 14:32:39",timezone:"UTC",updated:c,published:c},alt:"it-budgets-2019-intro-thumb.png",credits:"Getty Images\u002FiStockphoto",caption:"\u003Cp\u003E3D rendering. Symbol made of digits.\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2018\u002F08\u002F22\u002Fc19d1380-15c3-463b-9794-ed323cfcb96b\u002Fit-budgets-2019-intro-thumb.png",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:770,height:577,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Finance^Banking",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"singapore-explores-programmable-digital-currency-use-cases-with-industry-trials",startYear:c,summary:b,title:"Singapore explores programmable digital currency use cases with industry trials",topic:{id:"0fe9b07a-ec91-11e3-95d2-02911863765e",slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"0fe9b07a-ec91-11e3-95d2-02911863765e",slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"103a5e4f-ec91-11e3-95d2-02911863765e",slug:"e-commerce",name:"E-Commerce",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"7743b704-6c7c-42d8-b888-5811e7667d05",slug:"blockchain",name:"Blockchain",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"a5a7f0f8-cbec-4ede-9882-a76bb6d146b9",slug:"crypto-wallets",name:"Crypto Wallets",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"f011c72e-ed77-4c8a-a687-438e5833ebad",username:"vafshar",profileUrl:c,email:c,firstName:"Vala",lastName:"Afshar",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"ab92dc3c-5d0e-4d35-930f-b8eb82c6f115",filename:"vala-afshar-author.jpg",dateCreated:{created:c,date:"2018-02-05 19:33:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2018\u002F02\u002F05\u002Fab92dc3c-5d0e-4d35-930f-b8eb82c6f115\u002Fvala-afshar-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Vala Afshar is the Chief Digital Evangelist for Salesforce. Afshar is the author of The Pursuit of Social Business Excellence. Afshar is also the co-host of DisrupTV, a weekly show covering the latest digital business and innovation market trends.",profile:c,title:"Contributing Writer",bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"62375974-771a-4bd6-9186-06a5b2753670\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003EWeb3 is not just a new technology, it is an evolution of how brands and consumers interact. Welcome to the creator-owner economy, where customer engagement is changed forever.&nbsp;\u003C\u002Fp\u003E\" data-image-credit=\"ArtemisDiana\u002FGetty Images\" data-image-alt-text=\"Icons of people interconnected in Web3.\" data-image-filename=\"gettyimages-1390644986.jpg\" data-image-date-created=\"2022\u002F05\u002F02\" data-image-width=\"2329\" data-image-height=\"1287\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EIn late September 2022, Crypto Punk #2924 sold for nearly $4.5 million. While inflated sales like this make headlines and focus the conversation on overpriced JPEGs, the big impact of \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fwhat-are-nfts-a-beginners-guide-to-digital-assets\u002F\" target=\"_blank\"\u003ENFTs\u003C\u002Fa\u003E and \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-web3-everything-you-need-to-know-about-the-decentralised-future-of-the-internet\u002F\" target=\"_blank\"\u003EWeb3\u003C\u002Fa\u003E is often overlooked. Web3 is not just a new technology, it is an \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-digital-transformation-everything-you-need-to-know-about-how-technology-is-reshaping\u002F\" target=\"_blank\"\u003Eevolution of how brands and consumers interact\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"4d744dff-1252-473d-9888-6481ca2942c7\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F4d744dff-1252-473d-9888-6481ca2942c7\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EWe get lost in the dollar signs too much, which distract us from what is really going on. \u003C\u002Fp\u003E\u003Cp\u003EA radical technological shift (the mainstream adoption of \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fethereum-upgraded-to-a-new-blockchain-infrastructure-what-does-that-mean-for-the-crypto-market\u002F\" target=\"_blank\"\u003Eblockchain\u003C\u002Fa\u003E technology) meets a cultural shift (the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthe-metaverse-has-one-big-challenge-it-needs-to-overcome-says-autodesk-ceo-andrew-anagnost\u002F\" target=\"_blank\"\u003Eextremely online nature\u003C\u002Fa\u003E of everything around us), to create newly empowered consumers -- an inflection point that will significantly alter the relationships between people and brands.\u003C\u002Fp\u003E\u003Cp\u003EThis isn't the first time we've seen such a change play out; it's a cycle as old as the internet itself. The information superhighway gave consumers unprecedented access to information, shifting power away from brands to consumers. No longer did they rely on brand packaging as the only source of information. \u003C\u002Fp\u003E\u003Cp\u003ENow, they had infinite access to it, and with it their decision-making processes changed, meaning brands had to adapt as a result.   \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fworkers-are-refusing-to-return-to-the-office-and-they-are-ready-to-face-the-consequences\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EWorkers are refusing to return to the office, and they're ready to face the consequences\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EWeb2 gave us mobile and social, and consumers gained even more power. They became the media and could tell the world what they thought of your product, enshrining that information in ratings and reviews for others to find. As a result of these tech-fueled changes, brands now focus heavily on digital marketing, social media, and influencer marketing, and see customers as more than just consumers. \u003C\u002Fp\u003E\u003Cp\u003ENow, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fpush-into-the-future-with-this-50-web3-programming-training\u002F\" target=\"_blank\"\u003EWeb3 is enabling the next evolution of the empowered consumer\u003C\u002Fa\u003E, forcing brands to readjust their relationship with them once again. This evolution, and its implications, are highlighted in a \u003Ca href=\"https:\u002F\u002Fmedia.monks.com\u002Farticles\u002Fweb3-future-customer-engagement?utm_source=partner_salesforce&utm_medium=vala-afshar&utm_campaign=202209_Report_The%2BFuture%2Bof%2BCustomer%2BEngagement\" target=\"_blank\"\u003Enew report\u003C\u002Fa\u003E from \u003Ca href=\"https:\u002F\u002Fmedia.monks.com\u002F\" target=\"_blank\"\u003EMedia.Monks\u003C\u002Fa\u003E and \u003Ca href=\"https:\u002F\u002Fwww.salesforce.com\u002F\" target=\"_blank\"\u003ESalesforce\u003C\u002Fa\u003E that looks at the future of customer engagement. \u003C\u002Fp\u003E\u003Cp\u003EHere are three important changes they call out. \u003Ca href=\"https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fmathewsweezey\u002F\" target=\"_blank\"\u003EMathew Sweezey\u003C\u002Fa\u003E is the co-founder of Web3 Studio at Salesforce, a bestselling author, and a digital marketing expert. Sweezey recaps the key findings of the research on the future of customer engagement and the impact of Web3. \u003C\u002Fp\u003E\u003Ch2\u003EConsumer to co-owner\u003C\u002Fh2\u003E\u003Cp\u003EOne of the reasons so many \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fwhat-are-nfts-a-beginners-guide-to-digital-assets\u002F\" target=\"_blank\"\u003ENFT\u003C\u002Fa\u003E projects are reaching radical valuations is their issuance of IP ownership to holders. When groups collectively own IP, a new type of collective is created. \u003C\u002Fp\u003E\u003Cp\u003EFor example, the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fbored-ape-yacht-clubs-exclusive-otherside-metaverse-set-to-drop-this-weekend-heres-what-you-need-to-know\u002F\" target=\"_blank\"\u003EBored Apes\u003C\u002Fa\u003E each own a unique Ape image. However, as other Apes create content, restaurants, brands, books, and TV shows (yes, all of these are real examples) with their Ape, they bring more visibility to the project, raising the value of all Apes in the process. The brand gave away its IP and allowed its customers to create their own products with it.    \u003C\u002Fp\u003E\u003Cp\u003EOwnership is powerful, and it is a core tenet of NFT projects. It doesn't matter if it's a video game or a digital collectible; the customer owns the asset in a way they never have before, and this is opening new doors. \u003C\u002Fp\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Frainmaker-games-launches-first-blockchain-gaming-discovery-platform\u002F\" target=\"_blank\"\u003ETake gaming as an example\u003C\u002Fa\u003E. The in-game assets you buy aren't just usable, they are owned and transferable. Imagine if you buy a game token and no longer want it in the future? In the Web3 world, you simply sell it off to someone else because you own it.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fcrypto-coach-how-to-make-money-playing-p2e-games\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003ECrypto Coach: How to make money from playing P2E games\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EThis idea of ownership is a powerful brand lever. I overheard a colleague the other day say, \"I don't imagine playing any video game in the future that I don't own a part of.\" They were referencing the notion that many video games now are NFT-based, and you don't just buy in-game items or skins, rather you buy into the game.  \u003C\u002Fp\u003E\u003Cp\u003EThis digital property can be bought and sold on the open market, and as the game rises in popularity, or as players add value to their property-- like upgrading an item -- they can turn a profit. This isn't just true for games, but also for clothing brands like Adidas and Gucci, the latter having raised $1.57 million in total royalties from secondary market sales.   \u003C\u002Fp\u003E\u003Ch2\u003EConsumer to collaborator\u003C\u002Fh2\u003E\u003Cp\u003EA fundamental element of Web3 is governance, or the ability to vote. When brands allow their consumers to have a voice and engagement increases, the brand relationship is strengthened. Consumers become a part of the process and gain a new level of loyalty. \u003C\u002Fp\u003E\u003Cp\u003EImagine if each purchase you made gave you a vote on where that company spends their philanthropic dollars or gave you a vote on the next year's colors. When consumers have a say in the process, they have a vested interest in the product. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-decentralization-and-web3-will-impact-the-enterprise\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EHow decentralization and Web3 will impact the enterprise\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E  \u003C\u002Fp\u003E\u003Cp\u003EPast voting, a deeper level of connection is possible as brands open up a new era of gig work. Web3-native brands use bounty boards, where they post jobs for their community members to take on. Workers can find gigs from simple content creation to complex engineering. When the work is done, another gig worker validates the work is correct, and all parties are paid instantly via crypto. \u003C\u002Fp\u003E\u003Cp\u003EConsumers now don't just buy their favorite brand; they can literally become a part of it! \u003C\u002Fp\u003E\u003Ch2\u003EConsumer to data center\u003C\u002Fh2\u003E\u003Cp\u003EThe last major relationship change is the consumer ownership of data. In a Web3 world, you own your own data and choose who you share it with. It is no longer owned by Facebook or other walled gardens, but rather rented out by the customer in real time. This is the future of how brands will gain data in a post-cookie world.\u003C\u002Fp\u003E\u003Cp\u003EAgain, this change is empowering the customer who might have once felt like a commodity given the rise of privacy concerns. When the customer grants access to their data, they hold the switch. If the individual feels the brand doesn't need their data anymore, they can simply disconnect. It is on their terms, not the brand's. \u003C\u002Fp\u003E\u003Cp\u003EBrands will know how to show instant and continuous value for access to data, and in return, consumers will reward them with more live data. Meaning as customers go through their lives, their data is constantly updated and shared with brands, ensuring it is always accurate and up to date.\u003C\u002Fp\u003E\u003Cp\u003ETechnology is a powerful force, with each new iteration of the internet granting more power to the consumer. As we enter Web3, we are now seeing consumers be elevated to new roles as co-owners, co-creators, and even customer data centers. With each new role, brands will have to learn to play by a new set of rules. \u003C\u002Fp\u003E\u003Cp\u003EThey will be held accountable in real time for the value they create with customer data, and they will learn to give up control so their customers don't just wear a brand, but become it. Brands racing to create NFTs and move into Web3 must keep in mind that this isn't simply about digital products. It is a fundamental shift in the relationship between brands and consumers.\u003C\u002Fp\u003E\u003Cp\u003EThis article was co-authored by \u003Ca href=\"https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fmathewsweezey\u002F\" target=\"_blank\"\u003EMathew Sweezey\u003C\u002Fa\u003E, co-founder of Salesforce Web3 Studio and bestselling Harvard Business Review author of \"\u003Ca href=\"https:\u002F\u002Fwww.amazon.com\u002FContext-Marketing-Revolution-Motivate-Infinite\u002Fdp\u002F163369402X\" target=\"_blank\"\u003EThe Context Marketing Revolution\u003C\u002Fa\u003E.\"\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"2aecadad-f0db-49e1-83aa-7e32415a2aaf\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F2aecadad-f0db-49e1-83aa-7e32415a2aaf\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-10-10 17:40:37",timezone:"UTC",updated:c,published:c},description:"Web3 is enabling the next evolution of the empowered consumer. Web3 is not simply about digital products; this is a fundamental shift in the relationship between brands and consumers.",filterKey:"e362236d-7b5a-49ae-9557-0fb00ff51b32",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"cfbbdf56-6f03-48e2-acb2-575bf39eec29",image:{id:"62375974-771a-4bd6-9186-06a5b2753670",filename:"gettyimages-1390644986.jpg",dateCreated:{created:c,date:"2022-05-02 21:51:20",timezone:"UTC",updated:c,published:c},alt:"climbing-e1661527843469",credits:"ArtemisDiana\u002FGetty",caption:"\u003Cp\u003EMathew Sweezey, co-founder of Salesforce Web3 Studio, Web3 advisor and bestselling author. \u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F05\u002F02\u002F62375974-771a-4bd6-9186-06a5b2753670\u002Fgettyimages-1390644986.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2329,height:1287,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"analysis\u002Fopinion",hubTopicPathString:"Finance^Blockchain^Web3",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"how-web3-is-driving-new-relationships-with-your-customers",startYear:c,summary:b,title:"How Web3 is driving new relationships with your customers",topic:{id:"51e0b451-bb40-4273-9929-30df33e63bc7",slug:"web3",name:"Web3",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"51e0b451-bb40-4273-9929-30df33e63bc7",slug:"web3",name:"Web3",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"57b89c3b-5b67-4357-bd53-58c9f516a044",slug:"business",name:"Business",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"9d3e6108-0023-11e4-95d2-02911863765e",slug:"innovation",name:"Innovation",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"b6429775-062e-4e9a-b220-f9976c394efc",username:"jadjones",profileUrl:c,email:c,firstName:"Jada",lastName:"Jones",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"83fe314b-ad45-4607-a1c7-52a5c290e6ed",filename:"jada-jones.jpg",dateCreated:{created:c,date:"2022-08-16 19:40:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F16\u002F83fe314b-ad45-4607-a1c7-52a5c290e6ed\u002Fjada-jones.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Jada Jones is a journalist based outside of Atlanta, Georgia. She graduated from Georgia State University with a Bachelor of Arts in Journalism. Jada covers all things tech news such as augmented and virtual reality, cloud news, e-commerce, and digital health and wellness.",profile:c,title:"Associate Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"0a1d263f-18ce-4ba7-bd88-1428847c741b\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Image: iStockphoto\u002FGetty Images\" data-image-alt-text=\"Silhouette of person's head in front of a lit computer monitor at night.\" data-image-filename=\"istock-shady-hacker-in-front-of-computer.jpg\" data-image-date-created=\"2019\u002F04\u002F05\" data-image-width=\"2121\" data-image-height=\"1414\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe internet's humble beginnings can be traced back to an experiment that eventually revolutionized how we interact, shop, learn and work, and became a digital space where anyone from anywhere in the world can receive a piece of information about any topic. The World Wide Web became a source of limitless possibilities, showing us a bright future of globalized communication. \u003C\u002Fp\u003E\u003Cp\u003EFirst there was Web 1.0, then Web 2.0, and now we see the beginnings of \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-web3-everything-you-need-to-know-about-the-decentralised-future-of-the-internet\u002F\"\u003EWeb3\u003C\u002Fa\u003E, the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthe-future-of-the-web-the-good-the-bad-and-the-very-weird\u002F\" target=\"_blank\"\u003Enew era of the internet\u003C\u002Fa\u003E that its proponents say will be unlike anything we've seen before: free, decentralized, and without the politics and financial agendas of Big Tech.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"e2f3a92b-89ac-4447-be15-4893872020b1\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fe2f3a92b-89ac-4447-be15-4893872020b1\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe idea behind Web3 is to incorporate \u003Ca href=\"https:\u002F\u002Fwww.ibm.com\u002Ftopics\u002Fwhat-is-blockchain\"\u003Eblockchain technology\u003C\u002Fa\u003E, such as cryptocurrencies and \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fwhat-are-nfts-a-beginners-guide-to-digital-assets\u002F\" target=\"_blank\"\u003ENFTs\u003C\u002Fa\u003E, into the fabric of our digital world. Virtual and augmented reality also come into play, including the introduction of the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fmetaverse-momentum-is-building-but-companies-are-still-staying-cautious\u002F\" target=\"_blank\"\u003Emetaverse\u003C\u002Fa\u003E. Proponents of Web3 see blockchain's potential as a reliable and transparent way to trace data and make the internet a more accessible space for everyone.\u003C\u002Fp\u003E\u003Cp\u003EThat's the upbeat view, at least.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthe-scary-future-of-the-internet-how-the-tech-of-tomorrow-will-pose-even-bigger-cybersecurity-threats\u002F\" target=\"_blank\"\u003EThe scary future of the internet: How the tech of tomorrow will pose even bigger cybersecurity threats\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EBut on the internet, just about anything with positive potential can be used with malicious intent. Much like today, the next iteration of the web could continue to allow bad actors to carry out carefully crafted scams, harassment, abuse, misinformation, and identity theft – potentially, on an ever-greater scale.\u003C\u002Fp\u003E\u003Cp\u003EKat Townsend, Director of Policy (Interim) at the \u003Ca href=\"https:\u002F\u002Fwebfoundation.org\u002F\"\u003EWeb Foundation\u003C\u002Fa\u003E, says one of the biggest issues facing the future of the World Wide Web is the emergence of a 'splinternet' – a fragmented internet comprising multiple separate pieces that block the free flow of information between nations and users.\u003C\u002Fp\u003E\u003Cp\u003EOn a fragmented web, countries can decide what users can and cannot do online. Governments typically justify web fragmentation on the grounds of national security concerns, such as the \u003Ca href=\"https:\u002F\u002Fwww.npr.org\u002F2020\u002F12\u002F07\u002F944039053\u002Fu-s-judge-halts-trumps-tiktok-ban-the-2nd-court-to-fully-block-the-action\"\u003EUS attempt to ban Chinese-owned TikTok\u003C\u002Fa\u003E. In many cases, web fragmentation is often a means for governments to stem the internet's influence on political discourse. \u003C\u002Fp\u003E\u003Cp\u003EFragmentation creates significant blockades to global cooperation and the free flow of information. According to Townsend, it's not enough for companies to take on the responsibility of combatting privacy and fragmentation concerns. To succeed, policies must be a collaborative effort.  \u003C\u002Fp\u003E\u003Cp\u003E\"The increase in fragmentation is a real threat to privacy and safety online,\" Townsend tells ZDNET. \"When [privacy] policies are written, how are they enacted or enforced? We'd like to see more co-creation in these policies. Fundamentally, in order to have a safe web, you need policies that are developed with multiple partners and organizations.\"  \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fcrypto-rush-is-driven-by-greed-and-creating-instability-says-scorching-assessment-by-european-central-bank-exec\u002F\" target=\"_blank\"\u003ECrypto rush is driven by greed and creating instability, says scorching assessment\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EBlockchain and virtual reality technologies have their pitfalls as well. The claim that blockchain is a magic solution to Big Tech's problems minimizes the negative sides of the technology, such as the fact that \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fus-lawmakers-want-answers-about-crypto-minings-energy-consumption-environmental-impact\u002F\"\u003Ecryptocurrency mining is a major burden on the environment\u003C\u002Fa\u003E and home to bogus get-rich-quick schemes. As it stands, this technology is not living up to its expectations. \u003C\u002Fp\u003E\u003Cp\u003EOnline VR and AR spaces are also fragmented and lack proper safety provisions. \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fmeta-lost-over-a-quarter-of-its-value-in-a-single-day\u002F\"\u003EMeta has invested huge sums of money in its metaverse\u003C\u002Fa\u003E technology but has faced criticism for failing to moderate its virtual environments, allowing harmful behaviors to go unchecked. If social media companies can't get a handle on \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fmore-violent-events-driven-by-social-media-are-bound-to-happen-says-facebook-whistleblower\u002F\" target=\"_blank\"\u003Ethe issues facing their current platforms\u003C\u002Fa\u003E, what does this say about the safety and security of our future internet?\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"7ceb4f6e-c89e-4ee4-b8b4-722dd17736a9\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F7ceb4f6e-c89e-4ee4-b8b4-722dd17736a9\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe Web Foundation hopes that Big Tech companies will be held to higher standards by users and that legal and community guidelines ensure that organizations are held accountable for using VR ethically. The problem, however, is the ongoing struggle between wanting less government regulation and having to put faith in companies to make decisions with users' best interests in mind.\u003C\u002Fp\u003E\u003Cp\u003E\"We're thrilled that people are curious about how to make the world a better place. But what we've seen is that blockchain-enabled technologies are used to consolidate power and used for more harm than good,\" Townsend says.  \u003C\u002Fp\u003E\u003Cp\u003ETownsend references the Web Foundation's Contract for the Web as a guideline in working toward a safer internet. The contract, created by \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ftim-berners-lee-demand-your-data-from-facebook-google-twitter\u002F\" target=\"_blank\"\u003ETim Berners-Lee\u003C\u002Fa\u003E, the creator of the World Wide Web, outlines the responsibilities of governments, companies, and citizens in a collaborative effort to create a safe and accessible internet. This work includes making the internet accessible and affordable; developing technologies that support the positive aspects of the internet; combating harmful online behaviors; and respecting all internet users' right to privacy and respect.\u003C\u002Fp\u003E\u003Cp\u003EFew governments have officially endorsed the contract: Russia and China, for instance, were never expected to sign, and after former President Donald Trump \u003Ca href=\"https:\u002F\u002Fwww.techrepublic.com\u002Farticle\u002Ftrumps-fcc-kills-net-neutrality-opening-internet-fast-lanes-to-isps\u002F\" target=\"_blank\"\u003Ereversed Obama-era net neutrality provisions\u003C\u002Fa\u003E, the US strayed further away from Berners-Lee's vision.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"5a1644c5-d0ae-4cee-8954-f30728dbef66\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F5a1644c5-d0ae-4cee-8954-f30728dbef66\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ECompanies that have outwardly shown support for the Web Foundation's Contract for the Web have also drawn its criticism. In 2019, after Facebook announced its endorsement, \u003Ca href=\"https:\u002F\u002Fwww.bbc.com\u002Fnews\u002Fbusiness-50539795\" target=\"_blank\"\u003EBerners-Lee criticized Mark Zuckerberg\u003C\u002Fa\u003E for continuing to allow targeted political ads on the platform ahead of the UK general election.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthe-future-of-the-web-will-need-a-different-sort-of-software-developer\u002F\" target=\"_blank\"\u003EThe future of the web will need a different sort of software developer\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EIn 2021, the Web Foundation set up the \u003Ca href=\"https:\u002F\u002Fcontractfortheweb.org\u002Ftech-policy-design-lab\u002F\"\u003ETech Policy Design Lab\u003C\u002Fa\u003E to understand how well the contract is holding up in today's online world. The initiative aims to identify solutions to critical issues affecting the web, including \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fgoogle-open-sources-harassment-manager-web-app-twitter-and-thomson-reuters-foundation-pledge-to-use\u002F\" target=\"_blank\"\u003Eharassment\u003C\u002Fa\u003E, gender equality, internet access and connectivity, content moderation, internet fragmentation, privacy, and AI ethics.\u003C\u002Fp\u003E\u003Cp\u003EThe Lab works with companies, governments, NGOs, researchers, and internet users, to create technology policies that can be adopted at a large scale and with \"human-centered design\" at the forefront.\u003C\u002Fp\u003E\u003Cp\u003EThe scope of influence is somewhat limited, as the organization isn't a government entity. Platforms and governments that endorse the Contract for the Web aren't obligated to follow its guidelines, and web surfers can only do so much to keep themselves safe online. But it's hoped that by sharing lessons and best practices from across the world, stakeholders can contribute to a collective effort to make the internet better, safer and more equitable for everyone.\u003C\u002Fp\u003E\u003Cp\u003E\"The web is the fundamental public commons. For those who have access, it's the place where we can connect with each other,\" Townsend says. \"No matter where or who you are, you should be able to have a safe, trusted experience on the web.\"\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-09-21 11:38:00",timezone:"UTC",updated:c,published:c},description:"As a new era of the internet approaches, we risk carrying over today's unresolved problems too.",filterKey:"e362236d-7b5a-49ae-9557-0fb00ff51b32",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"f9adfe49-c147-4280-96bb-035af7218cb7",image:{id:"0a1d263f-18ce-4ba7-bd88-1428847c741b",filename:"istock-shady-hacker-in-front-of-computer.jpg",dateCreated:{created:c,date:"2019-04-05 11:40:03",timezone:"UTC",updated:c,published:c},alt:"zd-web3-programming.jpg",credits:"Getty Images\u002FiStockphoto",caption:"\u003Cp\u003ESilhouette of man's head in front of computer monitor light at night\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2019\u002F04\u002F05\u002F0a1d263f-18ce-4ba7-bd88-1428847c741b\u002Fistock-shady-hacker-in-front-of-computer.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"analysis\u002Fopinion",hubTopicPathString:"Innovation",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"the-future-of-the-web-could-be-bright-but-theres-a-lot-to-fix-first",startYear:c,summary:b,title:"The future of the web could be bright. But there's a lot to fix first",topic:{id:"9d3e6108-0023-11e4-95d2-02911863765e",slug:"innovation",name:"Innovation",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"9d3e6108-0023-11e4-95d2-02911863765e",slug:"innovation",name:"Innovation",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"7743b704-6c7c-42d8-b888-5811e7667d05",slug:"blockchain",name:"Blockchain",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d}],componentLabel:"Blockchain",description:c,filters:c,paging:c,slug:"blockchain",title:"Blockchain",label:c,viewMoreText:c,viewMoreUrl:c,relatedItems:c},{id:"84f2c11d-4fad-4e3f-8ace-87664a9140bf",meta:{componentName:"84f2c11d-4fad-4e3f-8ace-87664a9140bf",componentDisplayName:"Credit Cards",componentType:"ContentList"},metadata:{},links:{self:{href:"https:\u002F\u002Fbender.cnetstatic.com\u002Fapi\u002Fneutron\u002Fcomponents\u002Fzdnet\u002Flisting\u002Fmulti_filtered_listing\u002F84f2c11d-4fad-4e3f-8ace-87664a9140bf\u002Fweb?searchBy=id&topicSlug=finance&componentType=ContentList&componentName=84f2c11d-4fad-4e3f-8ace-87664a9140bf"}},items:[{author:{id:"0a6fffc2-2220-44ba-99e4-4c567f6f57bb",username:"maria-diaz-zd",profileUrl:c,email:c,firstName:"Maria",lastName:"Diaz",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"d89921b7-c002-40ef-8401-f002f1a769e9",filename:"maria-diaz.jpg",dateCreated:{created:c,date:"2022-08-05 14:44:33",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002Fd89921b7-c002-40ef-8401-f002f1a769e9\u002Fmaria-diaz.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Maria Diaz is a staff writer based in the Raleigh-Durham, NC area with a passion for home automation and a background in graphic design, photography, and filmmaking. She has a bachelor's in Mass Communication and experience in journalism.",profile:c,title:"Staff Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"051ecba6-20fe-43c0-811c-aa2c749f402f\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Cleo | Maria Diaz\u002FZDNET\" data-image-alt-text=\"Haggle it\" data-image-filename=\"haggle-itg.jpg\" data-image-date-created=\"2023\u002F06\u002F12\" data-image-width=\"1913\" data-image-height=\"1080\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThese days, it seems that \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-generative-ai-and-why-is-it-so-popular-heres-everything-you-need-to-know\u002F\" target=\"_blank\"\u003Egenerative AI\u003C\u002Fa\u003E can do it all; from \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-use-chatgpt-to-create-an-app\u002F\" target=\"_blank\"\u003Ecreating apps\u003C\u002Fa\u003E and \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-use-chatgpt-to-write-code\u002F\" target=\"_blank\"\u003Ewriting code\u003C\u002Fa\u003E, to helping \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002F5-ways-to-explore-the-use-of-generative-ai-at-work\u002F\" target=\"_blank\"\u003Eworkers\u003C\u002Fa\u003E and \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002F5-ways-chatgpt-can-make-parenting-easier-this-summer\u002F\" target=\"_blank\"\u003Eparents\u003C\u002Fa\u003E be more productive. Now, a new \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-ai-heres-everything-you-need-to-know-about-artificial-intelligence\u002F\" target=\"_blank\"\u003Eartificial intelligence\u003C\u002Fa\u003E (AI) tool is promising to go even further by negotiating your bills for you.\u003C\u002Fp\u003E\u003Cp\u003EHaggle It, as it is aptly named, is a new, completely free generative AI tool by \u003Ca href=\"https:\u002F\u002Fweb.meetcleo.com\u002F\" target=\"_blank\"\u003ECleo\u003C\u002Fa\u003E, an AI assistant that  helps people manage their money. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fgpt-3-5-vs-gpt-4-is-chatgpt-plus-worth-its-subscription-fee\u002F\"\u003E\u003Cstrong\u003EGPT-3.5 vs GPT-4: Is ChatGPT Plus worth its subscription fee?\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EPowered by \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-chatgpt-and-why-does-it-matter-heres-everything-you-need-to-know\u002F\" target=\"_blank\"\u003EChatGPT\u003C\u002Fa\u003E, Haggle It can help customers draft letters to help negotiate rent, credit card fees or interest rates, or car insurance rates, all by just answering a few questions. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EWith \u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002F2023\u002F04\u002F11\u002F58percent-of-americans-are-living-paycheck-to-paycheck-cnbc-survey-reveals.html#:~:text=More%20than%20half%20of%20all,and%20key%20behaviors%2C%20experts%20say.\" target=\"_blank\"\u003E58% of Americans\u003C\u002Fa\u003E now living paycheck to paycheck, even those \u003Ca href=\"https:\u002F\u002Ftime.com\u002F6263989\u002Fsix-figures-inflation-income\u002F#:~:text=In%20December%202022%2C%2051%25%20of,companies%20PYMNTS%20and%20Lending%20Club.\" target=\"_blank\"\u003Eearning over $100,000\u003C\u002Fa\u003E, and with higher costs adding pressure to the economy, it's safe to say some extra savings would be a welcome sight for most of us. \u003C\u002Fp\u003E\u003Cp\u003ECleo conducted its own survey among 1,000 Millennials and Gen Z Americans and found that a third were successful in lowering their rent or car insurance through negotiation. Prior to Haggle It, however, 55% of respondents said they'd never negotiated their credit card interest or fees.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthese-are-my-5-favorite-ai-tools-for-work\u002F\"\u003E\u003Cstrong\u003EThese are my 5 favorite AI tools for work\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"With Cleo's Haggle It, we are on a mission to make sure Gen Z doesn't fall into the paycheck-to-paycheck cycle and actually builds a life beyond a paycheck by negotiating like never before,\" said Kimberly Dillon, head of brand at Cleo. \u003C\u002Fp\u003E\u003Cp\u003E\"They tend to prefer convenience and avoid unnecessary stress, with many opting to pay more rather than deal with conflict. Negotiating doesn't need to be scary, especially when we have tools that have scoured the web and learned the best ways to communicate.\"\u003C\u002Fp\u003E\u003Cp\u003EFor those who did negotiate their credit card fees and interest, Cleo's survey found that about 20% received reduced rates and fees. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Flinkedin-is-adding-ai-powered-tools-to-help-marketing-professionals\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003ELinkedIn is adding AI-powered tools to help marketing professionals\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EWhen using Haggle It, users have to choose the type of debt they want to negotiate and answer a question or two about it. Then, they can choose the tone that the letter will be written in to sound as formal or informal as they'd like. \u003C\u002Fp\u003E\u003Cp\u003E\"We even made it fun and have various tones of voices to choose from, so if you want to sound like a chilled out surfer bro because you think that's what your landlord would vibe with, have at it!\" said Dillon.\u003C\u002Fp\u003E\u003Cp\u003ECleo has pledged that the company will donate $1 to Operation HOPE for every person that uses Haggle It. Operation HOPE is a non-profit organization committed to financial literacy and economy empowerment for underprivileged youths and adults in the U.S.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"c1c64b97-f918-4f5b-acae-43981f87d8e6\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fc1c64b97-f918-4f5b-acae-43981f87d8e6\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-06-13 13:00:00",timezone:"UTC",updated:c,published:c},description:"Don't let anxiety over a large bill keep you up at night. Instead, let generative AI take the strain.",filterKey:"4ac28de1-2091-4592-8f25-5a8becdb1034",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"246e8b26-16e0-491a-8fc7-c841901a41a7",image:{id:"051ecba6-20fe-43c0-811c-aa2c749f402f",filename:"haggle-itg.jpg",dateCreated:{created:c,date:"2023-06-12 17:42:01",timezone:"UTC",updated:c,published:c},alt:"Haggle it",credits:"Cleo | Maria Diaz\u002FZDNET",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F06\u002F12\u002F051ecba6-20fe-43c0-811c-aa2c749f402f\u002Fhaggle-itg.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1913,height:1080,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Innovation^Artificial Intelligence",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"unexpected-bill-this-ai-bot-can-haggle-it-for-you",startYear:c,summary:b,title:"Unexpected bill? This AI bot can 'Haggle It' for you",topic:{id:"3414bf30-82eb-4a6a-a561-f193482f1643",slug:"artificial-intelligence",name:"Artificial Intelligence",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"3414bf30-82eb-4a6a-a561-f193482f1643",slug:"artificial-intelligence",name:"Artificial Intelligence",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"926c7fe3-bac7-46e3-b421-bf633d90ee73",slug:"productivity",name:"Productivity",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9a23272b-10d6-11e4-9732-00505685119a",username:"David Gewirtz",profileUrl:c,email:c,firstName:"David",lastName:"Gewirtz",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"de4475ef-be59-4858-beb8-6f7696c85945",filename:"david-gewirtz.jpg",dateCreated:{created:c,date:"2022-08-05 15:19:52",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002Fde4475ef-be59-4858-beb8-6f7696c85945\u002Fdavid-gewirtz.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"In addition to hosting the ZDNET Government and ZDNet DIY-IT blogs, David Gewirtz is an author, U.S. policy advisor, and computer scientist. He is featured in The History Channel special The President's Book of Secrets, is one of America's foremost cyber-security experts, and is a top expert on saving and creating jobs. He is also director of the U.S. Strategic Perspective Institute as well as the founder of ZATZ Publishing.\r\n\r\nDavid is a member of FBI InfraGard, the Cyberwarfare Advisor for the International Association for Counterterrorism & Security Professionals, a columnist for The Journal of Counterterrorism and Homeland Security, and has been a regular CNN contributor, and a guest commentator for the Nieman Watchdog of the Nieman Foundation for Journalism at Harvard University. He is the author of Where Have All the Emails Gone?, the definitive study of email in the White House, as well as How To Save Jobs and The Flexible Enterprise, the classic book that served as a foundation for today's agile business movement.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"e0e7d48d-443e-4c48-be8d-bf0c83859c7c\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"JLStock\u002FShutterstock\" data-image-alt-text=\"Visualization of phishing as a hook through a red envelope\" data-image-filename=\"phishing.jpg\" data-image-date-created=\"2022\u002F01\u002F17\" data-image-width=\"1600\" data-image-height=\"1069\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"b696bc2e-5ec9-4d59-963f-e526236a98ee\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fb696bc2e-5ec9-4d59-963f-e526236a98ee\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EMy day started rough. \u003C\u002Fp\u003E\u003Cp\u003EIt was 7 a.m., and I was just partially through my first cup of coffee, when I noticed a new message in my email inbox. \u003C\u002Fp\u003E\u003Cp\u003EIt was from PayPal and the subject line said, \"You've got a money request.\" \u003C\u002Fp\u003E\u003Cp\u003EAnd so began my first look at this three-pronged PayPal phishing scam. \u003C\u002Fp\u003E\u003Ch2\u003EThe ask\u003C\u002Fh2\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"aadf539e-483b-4f92-9867-47a1ca6be7f4\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"email line saying You've got a money request\" data-image-filename=\"screenshot-00001.jpg\" data-image-date-created=\"2022\u002F12\u002F02\" data-image-width=\"814\" data-image-height=\"39\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThere's nobody I know who would ask me for money through PayPal and reasonably expect to get it, especially without telling me ahead of time that they were invoicing me for something. I started to investigate the money request in my Gmail box. \u003C\u002Fp\u003E\u003Cp\u003EIn Gmail, you can right-click on the message sender before opening the message, in order to see the full email address. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"27bb034c-8aaa-49ba-9cb3-d1fa03969a6f\" data-size=\"medium\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"Open detailed view of sender\" data-image-filename=\"screenshot-00004.png\" data-image-date-created=\"2022\u002F12\u002F02\" data-image-width=\"855\" data-image-height=\"382\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe message was from PayPal, so I felt safe enough opening it. Once inside the message, I again looked at the sender, and it was still PayPal. The body of the message claimed to be from one Susan Bowman. Here, take a look at the message. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"8c3722db-9a52-4c15-9b23-27717755b812\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"Message beginning "We have detected some fraudulently activities with your PayPal account."\" data-image-filename=\"screenshot-00005.jpg\" data-image-date-created=\"2022\u002F12\u002F02\" data-image-width=\"741\" data-image-height=\"582\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe mistaken \"fraudulently\" instead of \"fraudulent\" is one sign there. But the sentence that caught my attention was \"You will be charged $699. 99 today.\" Interestingly, there was a space between the period after $699 and the 99. Odd punctuation and spelling are often indicators of a scam message. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-phishing-attack-uses-a-countdown-clock-to-panic-you-into-handing-over-passwords\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EThis phishing attack uses a countdown clock to panic you\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EAnother part of the message said, \"Please call us as soon as possible at toll free number [REDACTED]. to cancel and claim a refund.\" There was a period after the phone number, right in the middle of the sentence. Another important thing to note was that the idea of the message was to get me to call a number that I was supposed to think was PayPal, to stop the $699.99 from being sent out. Urgency is another common element of phishing scams.\u003C\u002Fp\u003E\u003Cp\u003EThe bottom of the message had a Pay Now button, and a PayPal transaction ID. I do a lot of coding using the PayPal API. It did, indeed, look like what a PayPal transaction ID normally looks like. As it turns out, it was an actual transaction ID that had been created in the actual PayPal system. More about that in a minute.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"a4a33b2e-4f4f-4de4-bc6d-791ee7db7243\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"Payment request details\" data-image-filename=\"screenshot-00006.jpg\" data-image-date-created=\"2022\u002F12\u002F02\" data-image-width=\"743\" data-image-height=\"584\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003E Reaching out to PayPal \u003C\u002Fh2\u003E\u003Cp\u003ERather than do anything with the message itself, I went to PayPal directly. I pointed my browser to \u003Ca href=\"https:\u002F\u002Fpaypal.com\"\u003EPayPal.com\u003C\u002Fa\u003E and, after verifying my identity with two-factor authentication, logged in. \u003C\u002Fp\u003E\u003Cp\u003EI scrolled down on the page, and there was, in fact, recent activity from Susan Bowman. The screenshot below shows the transaction as canceled, but when I first logged in, the activity item was listed as pending. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"56b6832a-10c0-4c64-b573-4741f8348d28\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"Canceled - Request Received\" data-image-filename=\"screenshot-00003.jpg\" data-image-date-created=\"2022\u002F12\u002F02\" data-image-width=\"604\" data-image-height=\"177\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EI clicked on the Help button at the top of the screen and scrolled down until I found the Contact Us option. I clicked on that, and after the usual hoop jumping, found myself talking to an agent in the company's fraud operation. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"9f3552d5-9184-448a-9528-436caf8a5d33\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"The Help option at the top and the Contact us option at the bottom right\" data-image-filename=\"screenshot-00002.jpg\" data-image-date-created=\"2022\u002F12\u002F02\" data-image-width=\"958\" data-image-height=\"528\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EI explained the situation. The agent knew exactly what I was calling about, and assured me that no money had been sent out. I was also guided through how to cancel this transaction. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso\u003C\u002Fstrong\u003E: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwarning-this-scam-starts-with-a-fake-invoice-it-could-end-with-crooks-stealing-your-data\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EThis phishing scam starts with a fake invoice\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EIf you click into a requested money transaction, there are two buttons that you can choose from. One is Send Money and the other is Cancel. Unfortunately, I didn't capture a screenshot before I canceled. I was much more focused (remember, I was still on my first cuppa coffee) on canceling the transaction. \u003C\u002Fp\u003E\u003Cp\u003EI clicked the Cancel button and the transaction was terminated. No money was lost. Then, I had a little chat with the PayPal agent and learned some things… \u003C\u002Fp\u003E\u003Ch2\u003E Anatomy of a three-pronged fraud attempt \u003C\u002Fh2\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"6765f19d-41fe-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F6765f19d-41fe-11e4-b6a0-d4ae52e95e57\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThis was a three-pronged fraud attempt, in that the attackers had three different ways to win. \u003C\u002Fp\u003E\u003Cp\u003EAs I suspected, and the agent confirmed, I was probably not personally targeted. Instead, my email address was one of thousands thrown against the wall to see what would stick. \u003C\u002Fp\u003E\u003Cp\u003EWhile the email address used for this account wasn't one of my most actively used accounts, my email addresses have been all over the Internet for decades, so they're undoubtedly available to attackers. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthese-file-types-are-the-ones-most-commonly-used-by-hackers-to-hide-their-malware\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EHackers commonly use these file types to hide malware\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EAnyone can ask someone for money through PayPal. All they need to do is feed an email address into the PayPal interface and request money. It's a big part of what PayPal does, and it's a service that provides a lot of legitimate value to a lot of people.\u003C\u002Fp\u003E\u003Cp\u003EOnce that email address is fed in, PayPal does most of the work. This makes it pretty ideal for phishing attackers. \u003C\u002Fp\u003E\u003Cp\u003EThere are three ways this attack works: \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EProng No. 1: Pay out through PayPal:\u003C\u002Fstrong\u003E The first prong of the attack was the request for $699.99. While it's fairly unlikely that anyone who gets hit with this attack will click \"Send Money,\" all it takes is one or two people doing that to make the entire attack worthwhile from the scammer's perspective. Don't pay enough attention, click the wrong button, and whoosh! Money gone. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EProng No. 2: Pay out by dialing the digits:\u003C\u002Fstrong\u003E The PayPal agent told me that the second prong of the attack that often also provides value to the scammers is the phone number they ask you to call. \u003C\u002Fp\u003E\u003Cp\u003EDepending on the scammer, the number itself may be billable. It's called a \"\u003Ca href=\"https:\u002F\u002Fwww.fcc.gov\u002Fconsumers\u002Fguides\u002Fone-ring-phone-scam\"\u003Eone-ring phone scam\u003C\u002Fa\u003E\" and it works by spoofing numbers, possibly connecting you to an international number where you're charged merely for connecting to the number. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EProng No. 3: Pay out by giving away too much personal info:\u003C\u002Fstrong\u003E The big score, I was told by the PayPal agent, is actually the third prong of the attack. That's when somebody gets the email and calls the number they think is PayPal to prevent the payment. \u003C\u002Fp\u003E\u003Cp\u003EIt's at this point that the scammers, pretending to be PayPal's fraud department, start asking questions, and by the time they're done, they've separated their victims from a treasure trove of personal identifying information, which can fuel additional attacks into the future and can even be sold to other scammers and criminals. \u003C\u002Fp\u003E\u003Ch2\u003E How to protect yourself \u003C\u002Fh2\u003E\u003Cp\u003EMy biggest piece of advice is simple: Pay attention. Don't go through your day just mindlessly clicking to get through your email. Be present and notice things. \u003C\u002Fp\u003E\u003Cp\u003ENext, follow my advice about \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fthe-single-best-way-to-protect-yourself-against-credit-card-fraud\u002F\"\u003Eprotecting yourself from credit card fraud\u003C\u002Fa\u003E and check your bank accounts and credit cards every week. Keep an active eye on your finances and you'll be able to spot fraud attempts before it becomes too late to fix them. \u003C\u002Fp\u003E\u003Cp\u003EAs for PayPal, understand that PayPal will never send payment without your explicit OK. The one exception to this is if you sign up for a subscription or a recurring donation. But even then, PayPal won't begin the process of sending money unless you have explicitly approved it. \u003C\u002Fp\u003E\u003Cp\u003EDon't click on links in suspicious email messages. Don't call numbers that you can't verify independently. Make sure your accounts all have two-factor authentication. \u003C\u002Fp\u003E\u003Cp\u003EAlways update your operating system and browser when prompted. That will help prevent zero-day attacks from taking hold of your machine. \u003C\u002Fp\u003E\u003Cp\u003EAnd, finally, back up your devices. Follow my advice and institute a \u003Ca href=\"https:\u002F\u002Fwww.cnet.com\u002Ftech\u002Fcomputing\u002Fbackups-act-like-your-business-depends-on-them\u002F\" target=\"_blank\"\u003E3-2-1 backup strategy\u003C\u002Fa\u003E. That way, if you are hit by malware or some other attack, you can recover more quickly. \u003C\u002Fp\u003E\u003Cp\u003EGood luck. Stay safe. Let us know if you have any other safety tips in the comments below. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"e566\" data-copy=\"ZDNET Security\" data-image=\"{"id":null,"alt":null}\" data-description=\"ZDNET's Security newsletter is your weekly update on security around the globe, from the latest security research to vulnerabilities, threats, breaches and beyond.\"\u003E\u003C\u002Fdiv\u003E\u003Chr\u003E\u003Cp\u003E\u003Cem\u003EYou can follow my day-to-day project updates on social media. Be sure to follow me on Twitter at \u003Ca href=\"https:\u002F\u002Ftwitter.com\u002Fdavidgewirtz\"\u003E@DavidGewirtz\u003C\u002Fa\u003E, on Facebook at \u003Ca href=\"https:\u002F\u002Fwww.facebook.com\u002Fdavidgewirtz\"\u003EFacebook.com\u002FDavidGewirtz\u003C\u002Fa\u003E, on Instagram at \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002FDavidGewirtz\u002F\"\u003EInstagram.com\u002FDavidGewirtz\u003C\u002Fa\u003E, and on YouTube at \u003Ca href=\"https:\u002F\u002Fwww.youtube.com\u002Fuser\u002FDavidGewirtzTV\"\u003EYouTube.com\u002FDavidGewirtzTV\u003C\u002Fa\u003E.\u003C\u002Fem\u003E \u003C\u002Fp\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-12-02 18:23:00",timezone:"UTC",updated:c,published:c},description:"We spotlight a nasty fraud attempt and show how you can protect yourself and your family.",filterKey:"4ac28de1-2091-4592-8f25-5a8becdb1034",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"44a92a43-8e6c-4c56-812f-3b3d4c93c493",image:{id:"e0e7d48d-443e-4c48-be8d-bf0c83859c7c",filename:"phishing.jpg",dateCreated:{created:c,date:"2022-01-17 19:25:45",timezone:"UTC",updated:c,published:c},alt:"phishing.jpg",credits:"JLStock -- Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F01\u002F17\u002Fe0e7d48d-443e-4c48-be8d-bf0c83859c7c\u002Fphishing.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"analysis\u002Fopinion",hubTopicPathString:"Innovation^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"watch-out-for-this-triple-pronged-paypal-phishing-and-fraud-scam",startYear:c,summary:b,title:"Watch out for this triple-pronged PayPal phishing and fraud scam",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"8d600230-8175-11e2-9d12-0018fe8a00b0",username:"Jack Wallen",profileUrl:c,email:c,firstName:"Jack",lastName:"Wallen",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"f03bef9a-858a-451d-bc30-8c603c2ba899",filename:"jack-wallen.jpg",dateCreated:{created:c,date:"2022-08-05 15:04:34",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002Ff03bef9a-858a-451d-bc30-8c603c2ba899\u002Fjack-wallen.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Jack Wallen is what happens when a Gen Xer mind-melds with present-day snark. Jack is a seeker of truth and a writer of words with a quantum mechanical pencil and a disjointed beat of sound and soul. An award-winning writer and novelist, Jack has been covering Linux, open-source, and other topics since the late 1990s for numerous publications such as ZDNET, CNET, TechRepublic, Linux.com, The New Stack, Linode, TechTarget, and Linux New Media. Jack's also written over 50 novels of fiction, at least one of which focuses on the Linux operating system. For more news about Jack Wallen, visit his website jackwallen.com.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"eb546a6f-f0aa-4c87-a2d4-d647b35965b7\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"SARINYAPINNGAM\u002FGetty Images\u002FiStockphoto\" data-image-alt-text=\"Businessperson typing on a laptop with a superimposed graphic of a lock\" data-image-filename=\"istock-902080886.jpg\" data-image-date-created=\"2018\u002F03\u002F21\" data-image-width=\"770\" data-image-height=\"513\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"7098396a-45dc-4f31-8567-d4b310457b81\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F7098396a-45dc-4f31-8567-d4b310457b81\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"1183e06f-75dd-4480-990a-199900e6699f\" data-raw-url=\"https:\u002F\u002Fbitwarden.com\u002F\" data-link-shortcode-text=\"Bitwarden\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E is one of many password managers on the market, most of which include a bevy of features. \u003C\u002Fp\u003E\u003Cp\u003EAs more and more people \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fits-past-time-you-started-using-a-password-manager-whether-you-like-it-or-not\u002F\" target=\"_blank\"\u003Estart using a password manager\u003C\u002Fa\u003E in their daily life, the creators of the tools add extra features to make them more appealing. \u003C\u002Fp\u003E\u003Cp\u003EOne such feature you might find in your password manager of choice is the ability to add a credit card as a \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-export-your-bitwarden-vault-for-safekeeping\u002F\" target=\"_blank\"\u003Evault item\u003C\u002Fa\u003E. When you see that you might not even give it a second of consideration. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fyoure-definitely-not-making-the-most-of-your-password-manager\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EYou're definitely not making the most of your password manager\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EYou should.\u003C\u002Fp\u003E\u003Cp\u003EIf you're a business, you probably have \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fhow-to-apply-for-a-business-credit-card\u002F\" target=\"_blank\"\u003Ecompany credit cards\u003C\u002Fa\u003E that must be accessible to employees. Why not just \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-are-bitwarden-organizations-and-how-do-you-use-them\u002F\" target=\"_blank\"\u003Euse the Bitwarden Organizations feature\u003C\u002Fa\u003E and add the credit card info as a vault item? \u003C\u002Fp\u003E\u003Cp\u003EThat way, anyone in the organization would have access to that credit card information so they don't have to either ask you for it or save it in an insecure location. \u003C\u002Fp\u003E\u003Cp\u003EIf you have a Bitwarden vault for your family, you might have a \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-credit-card\u002F\" target=\"_blank\"\u003Ecredit card\u003C\u002Fa\u003E that others in your household need access to. Save that card as a vault item and they'll have access to it. \u003C\u002Fp\u003E\u003Cp\u003EOr maybe you're an individual who doesn't want to always have to hunt down their purse or wallet to order something over the phone or online. Save that credit card as a vault item and you'll have access to it wherever you are.\u003C\u002Fp\u003E\u003Cp\u003EWith Bitwarden, a credit card vault entry is treated differently than others and allows you to save and select the following information: \u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EName\u003C\u002Fli\u003E\u003Cli\u003ECardholder name\u003C\u002Fli\u003E\u003Cli\u003ECard number\u003C\u002Fli\u003E\u003Cli\u003EBrand\u003C\u002Fli\u003E\u003Cli\u003EExpiration month\u003C\u002Fli\u003E\u003Cli\u003EExpiration year\u003C\u002Fli\u003E\u003Cli\u003ESecurity code\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003ESo from that vault item, you'll have every piece of information required to use the card… all of which is protected by the vault's password. That's actually more secure than keeping the card in your wallet (which can be lost or stolen). \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthese-file-types-are-the-ones-most-commonly-used-by-hackers-to-hide-their-malware\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EThese file types are the ones most commonly used to hide malware\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003ELet's find out how to add a credit card as a vault item in Bitwarden. \u003C\u002Fp\u003E\u003Ch2\u003E Requirements \u003C\u002Fh2\u003E\u003Cp\u003EThe only thing you'll need for this is a valid Bitwarden account (which can be free or paid). That's it. Let's add those cards. \u003C\u002Fp\u003E\u003Ch2\u003E How to add a credit card to Bitwarden \u003C\u002Fh2\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"119be8a7-08f9-45c3-9b49-50299c24e818\" data-edition=\"us\" data-description=\"\u003Cp\u003EEither open the web or desktop version of Bitwarden and log in with your email address and master password.\u003C\u002Fp\u003E\" data-hed=\"1. Log in to your account\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"aff02c1a-8cf4-4fc6-9cef-64223c126aa8\" data-edition=\"us\" data-description=\"\u003Cp\u003EClick the + (plus icon) from the bottom row of icons to create a new vault item.\u003C\u002Fp\u003E\" data-hed=\"2. Create a new vault item\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"1a3f3358-d536-458c-bbb6-80321ba4adda\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003EAdding a credit card as a vault item is a click away.\u003C\u002Fp\u003E\" data-image-credit=\"Jack Wallen\u002FZDNET\" data-image-alt-text=\"The Bitwarden item add button.\" data-image-filename=\"bwcard1.jpg\" data-image-date-created=\"2022\u002F12\u002F01\" data-image-width=\"740\" data-image-height=\"53\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"3ffc2725-07a1-4e23-8284-5609e829c2fd\" data-edition=\"us\" data-description=\"\u003Cp\u003EIn the "Add item" pane, click the Type drop-down, and select Card.\u003C\u002Fp\u003E\" data-hed=\"3. Change the item type\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"4415db10-f092-435d-a071-9259853f4844\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003ESelecting the item type from the drop-down.\u003C\u002Fp\u003E\" data-image-credit=\"Jack Wallen\u002FZDNET\" data-image-alt-text=\"The Bitwarden item type drop-down.\" data-image-filename=\"bwcard2.jpg\" data-image-date-created=\"2022\u002F12\u002F01\" data-image-width=\"482\" data-image-height=\"171\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"083e1d78-d186-4328-9810-bedd838fc7de\" data-edition=\"us\" data-description=\"\u003Cp\u003EAfter you set the type to Card, the fields for the item will all relate to credit cards. Make sure to give the card a name (such as Company Card) and then add the cardholder's name, the card number, the brand of the card, the expiration month and year, and the security code from the back of the card. You can also save the card to a vault folder, add it to your favorites, enable the Master Password Re-Prompt (which I would suggest doing), add notes and custom fields, and even change the owner.\u003C\u002Fp\u003E\" data-hed=\"4. Fill out the details for the card\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"ce1452ac-7328-4463-b4cc-6102b285ed1d\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003EScroll down and you'll find even more options.\u003C\u002Fp\u003E\" data-image-credit=\"Jack Wallen\u002FZDNET\" data-image-alt-text=\"The Bitwarden card item add screen.\" data-image-filename=\"bwcard3.jpg\" data-image-date-created=\"2022\u002F12\u002F01\" data-image-width=\"488\" data-image-height=\"781\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EOnce you've filled out the necessary information, click the save icon and your card is now safely tucked away in your vault. \u003C\u002Fp\u003E\u003Cp\u003EAnd that's all there is to adding a credit card as a Bitwarden vault item. I highly recommend doing this so you'll always have that information safe and handy. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"6765f19d-41fe-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F6765f19d-41fe-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-12-01 21:44:00",timezone:"UTC",updated:c,published:c},description:"Here's why it could be a smart idea to add a credit card as a vault item with the password manager Bitwarden.",filterKey:"4ac28de1-2091-4592-8f25-5a8becdb1034",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"8161b0d6-8ad5-4214-941e-163dd0f017e4",image:{id:"eb546a6f-f0aa-4c87-a2d4-d647b35965b7",filename:"istock-902080886.jpg",dateCreated:{created:c,date:"2018-03-21 14:09:44",timezone:"UTC",updated:c,published:c},alt:"The Bitwarden item add button.",credits:"SARINYAPINNGAM, Getty Images\u002FiStockphoto",caption:"\u003Cp\u003EAdding a credit card as a vault item is a click away.\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2018\u002F03\u002F21\u002Feb546a6f-f0aa-4c87-a2d4-d647b35965b7\u002Fistock-902080886.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:770,height:513,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"how-to",hubTopicPathString:"Innovation^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"how-to-add-a-credit-card-as-a-bitwarden-vault-item-and-why-you-should",startYear:c,summary:b,title:"How to add a credit card as a Bitwarden vault item and why you should",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"e89110c2-9572-4bf6-9760-5b84484c4c2b",username:"thusbands",profileUrl:c,email:c,firstName:"Toni",lastName:"Husbands",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"488159b1-5a9d-4f00-8fe0-c631cbb2dc8d",filename:"tonihusbands-headshot600x400.jpg",dateCreated:{created:c,date:"2022-05-23 14:52:59",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F05\u002F23\u002F488159b1-5a9d-4f00-8fe0-c631cbb2dc8d\u002Ftonihusbands-headshot600x400.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Toni Husbands is a staff writer with ZDNET, a Red Ventures company. She's been tackling personal finance topics since beginning her journey of paying off $107,000 of credit card and other personal debt in 2012. In that time, she contributed as a freelance writer for numerous websites including CreditCards.com and Wisebread. Her work has been featured on Yahoo News and she became a regular contributor to Business AM TV. She received her BS in computer science from the University of Oklahoma and MS in computer science from DePaul University.",profile:c,title:"Staff Writer",bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"d65645b1-d2e8-40b8-83eb-81135e8299cd\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Getty\u002FMorsa Images\" data-image-alt-text=\"smiling woman working on a laptop\" data-image-filename=\"gettyimages-1313131469.jpg\" data-image-date-created=\"2022\u002F07\u002F01\" data-image-width=\"2120\" data-image-height=\"1414\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EFrom large banks to fintech startups, the financial services industry is leveraging the power of Artificial Intelligence (AI) to attract and assist Gen Z customers. For those counting, Gen Z includes anyone born between 1997 and 2012. Yes, even tweens are embracing \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fparents-fintech-tools-can-help-children-develop-good-money-habits-early\u002F\" target=\"_blank\"\u003Efintech (financial technology)\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"f506ac7d-543b-431c-8704-fbf12c69d324\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Ff506ac7d-543b-431c-8704-fbf12c69d324\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EAI-powered financial apps are playing a significant role in how the financial industry is improving customer service, optimizing costs, and providing new products of value to customers. AI is how Gen Z will primarily communicate with financial institutions, and that AI encompasses everything from chatbots to fraud detection to task automation. \u003C\u002Fp\u003E\u003Cp\u003E\"Gen Z are completely digitally native,\" Dennis Gada, head of financial services for North America at \u003Ca href=\"https:\u002F\u002Fwww.infosys.com\u002F\" target=\"_blank\"\u003EInfosys\u003C\u002Fa\u003E, told \u003Cem\u003EZDNet\u003C\u002Fem\u003E. \"For them, banking or financial services is an extension of their lifestyle... the more digital a bank is, the higher their level of trust.\"\u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003EHow AI is leveraged to better serve Gen Z customers\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EGen Z has grown up using Alexa and Siri. Conversational AI is second nature, and financial institutions are now implementing this technology to assist customers in accessing features 24\u002F7. Conversational AI, however, goes beyond basic chatbots to recognizing voice patterns, identifying and recommending tools, and accessing backend systems for answers.\u003C\u002Fp\u003E\u003Cp\u003ECapital One launched the first AI-powered personal finance tool used by US banks in 2017. It was a natural language, SMS text-based assistant that provided over 12 features, including fraud monitoring and price hike alerts for subscription services. \u003C\u002Fp\u003E\u003Cp\u003EToday, Bank of America has Erica,\u003Cstrong\u003E \u003C\u002Fstrong\u003Ea virtual financial assistant that can provide personalized guidance. While customers can retrieve routine information like account balances or transaction details, they can also address more complex requests through the AI tools. Erica will either provide the answer or direct customers to the appropriate resources.\u003C\u002Fp\u003E\u003Cp\u003EPredictive analysis is another feature that Gen Z has come to expect from the financial service industry. Apps like Truebill will analyze data across multiple accounts and provide alerts if spending patterns change in a way that might lead to overdraft charges. Digit employs AI technology to assess a customer's spending habits, forecast expenses, and automatically save an amount based on the analysis. Personal Capital provides a dashboard to monitor all accounts, employing AI technology to provide a useful set of free budgeting and portfolio management tools.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"aa46de76-899f-4423-83b7-a891c88392d8\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Faa46de76-899f-4423-83b7-a891c88392d8\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EAI is also ushering in a Gen Z-friendly funding model. AI-powered tools are already renegotiating service contracts with subscription providers -- all without involving the subscribers. Those subscribers can then choose to share a percentage of any savings recouped by the AI-powered tool. \u003C\u002Fp\u003E\u003Cp\u003E\"Those are the kinds of value-added services that Gen Z truly appreciates,\" Gada explained. \u003C\u002Fp\u003E\u003Cp\u003EAccording to research by Cornerstone, only one-third of consumers are confident they are maximizing their savings efforts. AI-powered savings apps and tools are attracting consumers who want to save more money and make better financial decisions -- without having to wait to speak with a human being.\u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003EHow AI is changing Gen Z's financial habits\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EA \u003Ca href=\"https:\u002F\u002Fwww.tiaainstitute.org\u002Fpublication\u002Ffinancial-literacy-and-well-being-five-generation-america\" target=\"_blank\"\u003Esurvey\u003C\u002Fa\u003E commissioned by George Washington University School of Business and TIAA Institute found that Gen Z has the lowest level of financial literacy compared to older generations. Only 43% of Gen Z respondents answered most questions correctly compared the the average of 55%. The survey included 3,035 respondents. \u003C\u002Fp\u003E\u003Cp\u003EHowever, Gen Z may be more financially sophisticated at their age than any other generation. Research from Cornerstone found that one in five members of this generation already use automated savings tools.\u003C\u002Fp\u003E\u003Cp\u003EAccording to a 2022 online Investopedia \u003Ca href=\"https:\u002F\u002Fwww.investopedia.com\u002Fgeneration-z-stepping-into-financial-independence-5224362\" target=\"_blank\"\u003Esurvey\u003C\u002Fa\u003E of 4,000 adults administered between January 27 through February 7: \u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EMore than half, 54%, of Gen Z adults hold some kind of investment.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003ENearly a quarter of Gen Z adults hold cryptocurrencies and stocks (and one in 10 own NFTs).\u003C\u002Fli\u003E\u003Cli\u003EGen Z feels the most confident about consuming and saving.\u003C\u002Fli\u003E\u003Cli\u003EGen Z adults who have an income of more than $50,000 are more likely to be confident in their financial knowledge (57%) than those who are making less than $50,000 (39%).\u003C\u002Fli\u003E\u003Cli\u003EOne-third feel they have a beginner's knowledge of financial management basics like paying taxes and borrowing\u002Fmanaging debt.  \u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\"We see a lot of investment firms focus on Gen Z to give them alternatives with robo adversary techniques. Using lifestyle requirements, they are recommending the kind of investments to save money and how savings can be automated,\" Gada said. \u003C\u002Fp\u003E\u003Cp\u003EGen Z is in the early stage of adult life; long-term investment returns may not be the hook that draws them toward financial literacy -- yet. However, many fintech firms are encouraging this group to save by looking at short-term lifestyle goals (like saving for vacations) and then working backwards with the help of AI and personalized recommendations for tools and services.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-07-29 22:19:00",timezone:"UTC",updated:c,published:c},description:"Artificial intelligence is helping an entire generation close the financial literacy gap.",filterKey:"4ac28de1-2091-4592-8f25-5a8becdb1034",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"80235a6e-7c56-44f4-88a8-8f13c5321ac9",image:{id:"d65645b1-d2e8-40b8-83eb-81135e8299cd",filename:"gettyimages-1313131469.jpg",dateCreated:{created:c,date:"2022-07-01 05:20:16",timezone:"UTC",updated:c,published:c},alt:"istock73604177large.jpg",credits:"Getty Images\u002FiStockphoto",caption:"\u003Cp\u003EHands of Group Young People Sitting At Natural Vintage Looking Wood Desk Using Variety Electronic Gadgets\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F07\u002F01\u002Fd65645b1-d2e8-40b8-83eb-81135e8299cd\u002Fgettyimages-1313131469.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2120,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Finance^Banking",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"how-ai-is-helping-gen-z-manage-their-money",startYear:c,summary:b,title:"How AI is making Gen Z the most financially sophisticated generation",topic:{id:"0fe9b07a-ec91-11e3-95d2-02911863765e",slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"0fe9b07a-ec91-11e3-95d2-02911863765e",slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"3414bf30-82eb-4a6a-a561-f193482f1643",slug:"ai-robotics",name:"AI & Robotics",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"d62f615a-7c98-4b72-9f60-4fc0b32c5008",username:"ezimmer",profileUrl:c,email:c,firstName:"Evan",lastName:"Zimmer",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"b4d24d6b-a72f-4381-9b2a-b99f7f36348b",filename:"evanzimmer3.jpg",dateCreated:{created:c,date:"2022-01-14 18:53:05",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F01\u002F14\u002Fb4d24d6b-a72f-4381-9b2a-b99f7f36348b\u002Fevanzimmer3.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Evan Zimmer is a journalist based outside of Denver, Colorado. He's been writing about credit cards and other financial products for years, and works to bring you the best, most up-to-date financial information.",profile:c,title:"Staff Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"7d8eef12-4c23-4649-8407-0b8da4239ec2\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"American Express\" data-image-alt-text=\"American Express logo on a smartphone screen\" data-image-filename=\"american-express-high-yield-savings-account.jpg\" data-image-date-created=\"2022\u002F05\u002F11\" data-image-width=\"1910\" data-image-height=\"1069\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EAmerican Express relaunched the Blue Cash Everyday credit card early this month, giving it new rewards, perks, and a more modern design. \u003C\u002Fp\u003E\u003Cp\u003EThe card, which features no annual fee and focuses on rewarding cardholders for purchases they might make every day, now earns 3% cash back on up to $6,000 spent per year at US supermarkets, US gas stations, and US online retailers.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c32c3c26-e56e-4da7-87bd-1a379cec1a4c\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Blue Cash Everday, as the name suggests, is designed to reward consumers for purchases they make regularly. It can be a good choice for consumers looking for a card that puts cash back in their account for necessities like gas and groceries.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E3% cash back for gas, groceries, and online shopping\u003C\u002Fli\u003E\u003Cli\u003ENo annual fee\u003C\u002Fli\u003E\u003Cli\u003EPurchase Protection\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E$6,000 spending limit\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"The Blue Cash Everyday Card\" data-superlative=\"A new look, better rewards, and expanded perks\" data-imagegroup=\"{}\" data-offer=\"{"id":"15a869e7-d7e2-4a3d-9aa5-9900eb221602","slug":"blue-cash-everyday-from-american-express","label":"Blue Cash Everyday from American Express","edition":["US","ES"],"imageId":null,"imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"15a869e7-d7e2-4a3d-9aa5-9900eb221602","name":"Blue Cash Everyday from American Express","slug":"blue-cash-everyday-from-american-express","productType":"SERIES","updateType":"PRISM","mod":1659025188793,"displayDate":"Thu Jul 28 2022 12:19:48 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"American Express","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26681944&cr=28269&last_updated=1598565356","url":""}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe card update also includes a $200 welcome bonus for new cardholders (after spending $2,000 with the card in the first six months), an $84 Disney Bundle Credit, and a $180 Home Chef Credit. \u003C\u002Fp\u003E\u003Cp\u003EThe $84 Disney credit comes in the form of a monthly $7 credit after spending $13.99 or more each month on Disney+, Hulu, or ESPN+. The Home Chef credit is broken into $15 credits each month for eligible online purchases.\u003C\u002Fp\u003E\u003Cp\u003EBefore the refresh, the Blue Cash Everyday featured 3% cash back at US supermarkets and 2% cash back at US gas stations. The increase in rewards will no doubt be a boon to existing cardholders, enticing others who are looking for a rewards card that earns on necessary purchases as well.\u003C\u002Fp\u003E\u003Cp\u003EWith inflation and gas prices soaring, having a credit card that can earn rewards for purchases that consumers have to make, regardless of cost, can go a long way. \u003C\u002Fp\u003E\u003Cp\u003EThe card also features an intro 0% APR for both purchases and balance transfers (then 15.49% to 26.49% variable), meaning cardholders can finance a large purchase and pay it down over time to avoid interest charges, or they can transfer a balance from another card and pay it down to mitigate debt.\u003C\u002Fp\u003E\u003Cp\u003EHere are the card's other benefits:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003ECar Rental Loss and Damage Insurance:\u003C\u002Fstrong\u003E Decline the rental car provider's insurance offer and charge the full amount to the card. Your rental will be protected against damage and theft. Coverage is secondary.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003E24\u002F7 Global Assist Hotline:\u003C\u002Fstrong\u003E Get help when traveling 100 miles or more from home. Help can include medical and legal referrals, assistance locating a lost wallet or passport, and more.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EPurchase Protection:\u003C\u002Fstrong\u003E Your new purchases are protected against damage and theft for 90 days.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EFraud Protection:\u003C\u002Fstrong\u003E You won't be held liable for unauthorized purchases made on your account.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EThe Blue Cash Everyday card is available in an upgraded version: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fblue-cash-preferred-from-american-express-review\u002F\"\u003Ethe Blue Cash Preferred\u003C\u002Fa\u003E. It carries an annual fee, but it also features expanded benefits and greater rewards. Despite its annual fee, it'll likely be the more rewarding choice, considering it earns double the rewards at US supermarkets (on the first $6,000 spent), plus 6% cash back for select US streaming services.\u003C\u002Fp\u003E\u003Cp\u003ELooking for a gas or grocery card to earn on purchases you have to make? Take a look at our \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-gas-credit-cards\u002F\"\u003Ebest gas card\u003C\u002Fa\u003E and \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-credit-card-for-groceries\u002F\"\u003Ebest grocery card\u003C\u002Fa\u003E lists.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-07-28 20:17:15",timezone:"UTC",updated:c,published:c},description:"The credit card issuer recently revamped one of its best cards with no annual fee.",filterKey:"4ac28de1-2091-4592-8f25-5a8becdb1034",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"64aad597-98ac-4f2a-af27-bb8745e25ec6",image:{id:"14511532-4eb0-4c44-bede-7b60ac185bea",filename:"american-express.jpg",dateCreated:{created:c,date:"2022-01-26 12:36:07",timezone:"UTC",updated:c,published:c},alt:"american-express.jpg",credits:"Colin Hui -- Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F01\u002F26\u002F14511532-4eb0-4c44-bede-7b60ac185bea\u002Famerican-express.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"american-express-relaunches-the-blue-cash-everyday-card-with-a-new-look-and-expanded-rewards",startYear:c,summary:b,title:"American Express relaunches the Blue Cash Everyday card, expands rewards",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"66bba4d9-f9b3-4423-b4b0-8d2aa7d0233a",slug:"american-express",name:"American Express",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"e89110c2-9572-4bf6-9760-5b84484c4c2b",username:"thusbands",profileUrl:c,email:c,firstName:"Toni",lastName:"Husbands",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"488159b1-5a9d-4f00-8fe0-c631cbb2dc8d",filename:"tonihusbands-headshot600x400.jpg",dateCreated:{created:c,date:"2022-05-23 14:52:59",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F05\u002F23\u002F488159b1-5a9d-4f00-8fe0-c631cbb2dc8d\u002Ftonihusbands-headshot600x400.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Toni Husbands is a staff writer with ZDNET, a Red Ventures company. She's been tackling personal finance topics since beginning her journey of paying off $107,000 of credit card and other personal debt in 2012. In that time, she contributed as a freelance writer for numerous websites including CreditCards.com and Wisebread. Her work has been featured on Yahoo News and she became a regular contributor to Business AM TV. She received her BS in computer science from the University of Oklahoma and MS in computer science from DePaul University.",profile:c,title:"Staff Writer",bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"785a07b5-5020-41d2-81a3-c725aabc959e\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"SOPA Images \u002F Getty\" data-image-alt-text=\"A smartphone with the bp logo on the screen\" data-image-filename=\"gettyimages-1241346157.jpg\" data-image-date-created=\"2022\u002F07\u002F26\" data-image-width=\"1024\" data-image-height=\"768\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Cem\u003EThe content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.\u003C\u002Fem\u003E  \u003C\u002Fp\u003E\u003Cp\u003EFirst National Bank of Omaha and Visa have partnered with BP to launch a new \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-gas-credit-cards\u002F\" target=\"_blank\"\u003Efuel credit card\u003C\u002Fa\u003E: the \u003Ca href=\"https:\u002F\u002Fwww.card.fnbo.com\u002Fbp\u002Flanding\u002Fpr.html\" target=\"_blank\"\u003EBPme Rewards Signature Visa®\u003C\u002Fa\u003E card. The new credit card introduces a modern take on the traditional fuel card, improving customer benefits by combining the power of BPme Rewards with traditional credit card advantages, such as cash back rewards.\u003C\u002Fp\u003E\u003Cp\u003EThe BPme Rewards Signature Visa is an enhanced credit card offer with a helpful discount on gas from BP and Amoco gas stations. Members of the BPme Rewards loyalty program can add on existing discounts to save even more money. The new credit card can be used anywhere Visa is accepted. \u003C\u002Fp\u003E\u003Cp\u003EThere is no annual fee, and there's also no limit to the rewards you can accrue. As families are feeling the pinch in their pocketbooks with heightened gas prices, inflation, and escalating interest rates, this new combination of fuel card plus rewards program can help offset the pain at the pump many drivers are experiencing.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EBPme Rewards is a loyalty program administered through the similarly-named app that provides modest discounts on gas at any BP or Amoco gas station to registered users. Reward members receive five cents off per gallon for the first month. Afterward, users retain the five-cent-per-gallon savings with $100 fuel receipts each month. The app also guarantees a price match feature that compares nearby gas stations, so you'll pay the lowest price per gallon. This subscription feature is available to BPme Rewards users for 99 cents per month.\u003C\u002Fp\u003E\u003Cp\u003E\"We put our customers at the heart of everything we do; this new BPme Rewards Visa gives the best rewards to our most loyal customers,\" Lisa Blalock, vice president of marketing for BP, said in a \u003Ca href=\"https:\u002F\u002Fwww.prnewswire.com\u002Fnews-releases\u002Fbp-first-national-bank-of-omaha-introduce-bpme-rewards-visa-with-elevated-rewards-and-savings-301583904.html\" target=\"_blank\"\u003Epress release\u003C\u002Fa\u003E. \"We have enhanced the rewards, provided more choice in the way our customers can redeem, and made it simple to save money on all fuel and convenience store purchases at BP and Amoco.\"  \u003C\u002Fp\u003E\u003Cp\u003EThe new card offers rewards including:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ESpecial introductory offer: 30 cents off every gallon on BP and Amoco fuel purchases in the first 60 days after account opening\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003E15 cents off every gallon automatically on BP and Amoco fuel purchases beyond the introductory period\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003E5% cash back on non-fuel purchases at BP and Amoco stores (including convenience store and car wash purchases)\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003E3% cash back on grocery purchases\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003E3% cash back on dining purchases (including restaurants, take-out, and food delivery services)\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003E1% cash back on all other qualifying purchases\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EWhile the bonus gas discounts only apply to BP or Amoco gas stations, the other rewards apply to purchases at any qualifying retailer. Card users receive the best discount when they combine the BPme Rewards Signature Visa with the BPme Rewards program. During the introductory period, drivers can snag a discount of up to 35 cents per gallon at BP and Amoco gas stations. \u003C\u002Fp\u003E\u003Cp\u003EThe card offers a number of redemption options: cash back, account statement credits, gift cards, or travel experiences.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EHealthy introductory offer for discounts at BP or Amoco gas stations\u003C\u002Fli\u003E\u003Cli\u003ENo annual fee\u003C\u002Fli\u003E\u003Cli\u003ECombined discounts with the BPme Rewards program apply\u003C\u002Fli\u003E\u003Cli\u003EUnlimited rewards\u003C\u002Fli\u003E\u003Cli\u003EMultiple reward redemption options\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EHigh APR\u003C\u002Fli\u003E\u003Cli\u003EForeign transaction fee\u003C\u002Fli\u003E\u003Cli\u003EGas discounts restricted to limited retailers\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c43f2ed7-d19d-4f5d-8dbc-df6c435c6d7c\" data-edition=\"us\" data-description=\"\u003Cp\u003ENavigate to the&nbsp;\u003Ca href="https:\u002F\u002Fwww.card.fnbo.com\u002Fbp\u002Flanding\u002Fpr.html" target="_blank"\u003EBPme rewards Visa launch site\u003C\u002Fa\u003E and complete the secure application by clicking "Apply." You can get an answer within 30 seconds.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ERegister for the \u003Ca href="https:\u002F\u002Fwww.bp.com\u002Fen_us\u002Funited-states\u002Fhome\u002Fproducts-and-services\u002Fbpme-rewards.html" target="_blank"\u003EBPme Rewards program\u003C\u002Fa\u003E through the app in the App Store or Google Play Store to include&nbsp;additional fuel benefits each time you fill up at BP or Amoco gas stations.\u003C\u002Fp\u003E\" data-hed=\"How do I apply?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"2ae0710c-bda8-415a-b5e0-4d0654f8015b\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe BPme Rewards Signature Visa offers solid rewards, but they are tied to a specific retailer for the best options. If you'd like more flexibility with your gas shopping options, consider the following alternatives:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EUS Bank Altitude Connect:\u003C\u002Fstrong\u003E&nbsp; Another Visa Signature card with useful protections, this credit card has a high annual fee after the first year that can be offset with generous rewards (earn 4x points per dollar on gas purchases). The card also offers credits for Global Entry\u002FTSA precheck and cashback on streaming services.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EWells Fargo Active Cash:\u003C\u002Fstrong\u003E&nbsp;This is a simple card offer with no annual fee. Earn 2% cash back with this card for every purchase, including gas and travel. It's also issued as a Visa Signature, so it comes with a few useful protections.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EThe Blue Cash Preferred:\u003C\u002Fstrong\u003E&nbsp;This card offers one of the highest cash back rates at US supermarkets and for select US streaming services. It also provides a decent rate at US gas stations. It does have an annual fee, but the rewards will quickly cover it.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EBank of America Customized Cash Rewards Card:\u003C\u002Fstrong\u003E&nbsp;This is the best option for consumers who don't spend more than $2,500 on gas and other purchases each quarter. You can choose one 3% cash back spend category to earn in. You can also earn 2% and 1% static reward categories. The 3% and 2% rewards are limited to $2,500 spent each quarter before rewards fall to 1%.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Are there alternative credit cards with gas rewards to consider?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"d382c50d-2c00-46ab-8039-9d0fc26b79c5\" data-edition=\"us\" data-description=\"\u003Cp\u003EConsumers looking for options to save on fuel expenses can add this card and the loyalty program to their financial toolkit. With no annual fee, this card won't cost you more to access the benefits as long as you keep the credit card balances low -- the high APR will cut into any fuel savings or cashback rewards earned. Those who can manage their spending and pay off balances monthly can reap the rewards of fuel savings.\u003C\u002Fp\u003E\u003Cp\u003EAdditionally, the unlimited rewards make this card a good choice for everyday spending. The 3% cashback on groceries and food deliveries are a welcomed relief for tight budgets. The redemption options give consumers flexibility in how best to tap into rewards for their benefit.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe biggest draw is the additional savings available on gas when combined with the BPme Rewards program through the app. The savings are most impactful when filling up at a BP or Amoco station. Taking advantage of this reward makes perfect sense for existing BP and Amoco customers or those in close proximity to these gas stations.\u003C\u002Fp\u003E\" data-hed=\"What makes this card a good choice?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8d01ce50-edb2-4809-8ac7-b912ceb509bd\" data-edition=\"us\" data-description=\"\u003Cp\u003EPoints will expire on the fifth anniversary of when they are earned and are used in a first in, first out basis. Points can also be forfeited if the account is closed before all points are redeemed.\u003C\u002Fp\u003E\" data-hed=\"Will my points expire?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"aa46de76-899f-4423-83b7-a891c88392d8\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Faa46de76-899f-4423-83b7-a891c88392d8\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-07-26 22:02:00",timezone:"UTC",updated:c,published:c},description:"The new BPme Rewards Signature Visa® credit card can be combined with the BPme Rewards loyalty program.",filterKey:"4ac28de1-2091-4592-8f25-5a8becdb1034",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"872f749a-37f7-4c9c-90d2-6553f692fc90",image:{id:"785a07b5-5020-41d2-81a3-c725aabc959e",filename:"gettyimages-1241346157.jpg",dateCreated:{created:c,date:"2022-07-26 21:44:09",timezone:"UTC",updated:c,published:c},alt:"bpmevisa-primage",credits:"SOPA Images \u002F Getty",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F07\u002F26\u002F785a07b5-5020-41d2-81a3-c725aabc959e\u002Fgettyimages-1241346157.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1024,height:768,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"Introducing the BPme Rewards Signature Visa: A modern fuel credit card",section:b,slug:"bpme-rewards-signature-visar-modern-take-on-a-traditional-fuel-credit-card",startYear:c,summary:b,title:"Introducing the BPme Rewards Signature Visa credit card: A modern fuel credit card",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9c20cf52-798b-46f0-9742-01999d97a167",username:"Lena Borrelli",profileUrl:c,email:c,firstName:"Lena",lastName:"Borrelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"302892f5-e22d-48c6-91a3-5d45643222c9",filename:"lena-borrelli-author.jpg",dateCreated:{created:c,date:"2021-07-06 17:17:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F302892f5-e22d-48c6-91a3-5d45643222c9\u002Flena-borrelli-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as Bankrate, allconnect, Healthline, Reviews.com, HomeInsurance.com, My Slumber Yard and MYMOVE. She is a financial expert who previously worked for Morgan Stanley and now specializes in all forms of insurance. Her work has also recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate, The Simple Dollar and Home Advisor, as well as many other websites and blogs around the world.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003ESometimes, our credit can take a dive, despite our best intentions. It can affect your ability to get one of the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-credit-card\u002F\" target=\"_blank\"\u003Etop credit cards\u003C\u002Fa\u003E, but the good news is that you could still be able to obtain a line of credit with the best unsecured credit card for you without paying a security deposit.\u003C\u002Fp\u003E\u003Cp\u003EWhen you have bad or no credit, many credit card companies will require that you pay a deposit before extending a line of credit. These are known as \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-secured-credit-card\u002F\" target=\"_blank\"\u003Esecured credit cards\u003C\u002Fa\u003E. However, there are some credit cards that do not require a deposit called unsecured credit cards. Our editorial team has done the work to find the top offers based on factors like APR, card requirements, rewards, introductory offers, automatic reviews, and more.\u003C\u002Fp\u003E\u003Cp\u003EIf you're looking for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-credit-card-for-bad-credit\u002F\" target=\"_blank\"\u003Ecredit cards for bad credit\u003C\u002Fa\u003E, these are the best unsecured credit cards of 2022. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"5e1fb55c-051d-4359-938e-ba8e8d2508a6\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou can receive Credit One Bank Platinum Visa for Rebuilding Credit flat 1% cashback rewards on your everyday purchases, including gas and groceries. You can also receive extra cashback when you use your card to pay for your mobile phone and internet, as well as cable and satellite TV services. These rewards accompany a variable APR of 28.74%, which is a couple points lower than cards like the Petal 2 and QuicksilverOne credit card.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ECredit One will periodically review your account to check for timely payment history, and it could lead to credit line increases, giving you more freedom to spend. You have the option to set your own payment date to best fit your schedule so you can help ensure on-time payments that will help boost your credit score over time. You will need to pay an annual fee, although it is discounted in the first year from $99 to $75.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAccepts bad credit\u003C\u002Fli\u003E\u003Cli\u003ENo deposit required\u003C\u002Fli\u003E\u003Cli\u003ECash back rewards\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EVery high advance fee\u003C\u002Fli\u003E\u003Cli\u003EForeign transaction fee\u003C\u002Fli\u003E\u003Cli\u003EHigh APR\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Credit One Bank® Platinum Visa® for Rebuilding Credit\" data-superlative=\"Best credit card for bad credit\" data-imagegroup=\"{}\" data-offer=\"{"id":"e7173824-9ce0-49ba-a216-12e528d36ce8","slug":"credit-one-bank-platinum-visa","label":"Credit One Bank Platinum Visa","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"e7173824-9ce0-49ba-a216-12e528d36ce8","name":"Credit One Bank Platinum Visa","slug":"credit-one-bank-platinum-visa","productType":"SERIES","updateType":"PRISM","mod":1645208635476,"displayDate":"Fri Feb 18 2022 13:23:55 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8565f3ff-3a82-4615-bb44-92a44dce6f74\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Capital One Platinum credit card comes with no annual fee to save you a few hundred dollars when compared to other cards like those from American Express. Interest is high with a variable APR of 29.99%, but Capital One will also automatically review your credit line as soon as six months to reevaluate your account terms. You will likely need fair credit for approval.\u003C\u002Fp\u003E\u003Cp\u003ETo help you improve your credit, you have free access to Capital One's CreditWise program that you can use to monitor your credit score. There is also $0 Fraud Liability included with your card membership.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EFair credit needed\u003C\u002Fli\u003E\u003Cli\u003ENo annual fee or foreign transaction fees\u003C\u002Fli\u003E\u003Cli\u003ENo balance transfer fees\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EHigh interest\u003C\u002Fli\u003E\u003Cli\u003ENo introductory offer\u003C\u002Fli\u003E\u003Cli\u003EA limited line of credit\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Capital One Platinum Credit Card\" data-superlative=\"Best credit card for building credit\" data-imagegroup=\"{}\" data-offer=\"{"id":"cf4a420a-9981-48ed-b769-8ce4624beb3a","slug":"capital-one-platinum","label":"Capital One Platinum","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"cf4a420a-9981-48ed-b769-8ce4624beb3a","name":"Capital One Platinum","slug":"capital-one-platinum","productType":"SERIES","updateType":"PRISM","mod":1645207124472,"displayDate":"Fri Feb 18 2022 12:58:44 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Capital One","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Foc.brcclx.com\u002Ft\u002F?lid=26684071&cr=31337&last_updated=1651779586","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f1bdc7be-19be-4e73-8e4b-b1495f488d84\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Capital One QuicksilverOne Cash Rewards credit card comes with unlimited rewards that give you 1.5% cashback on all purchases you make. There are no restrictions or rotating categories, so you can buy what you want when you want with rewards that are issued as statement credits. The variable APR is high at 29.99%, but this is largely attributed to the fact that this card is unsecured and does not require a deposit. There is an annual fee, but it costs less than $40, a rarity among most cards with fees.\u003C\u002Fp\u003E\u003Cp\u003ELike the Platinum card, Capital One offers an automatic account review usually within six months to assess your payment history and determine whether you are due for an increase in credit line. There is also free access to CreditWise for credit monitoring and a $0 Fraud Liability program should your card ever become lost or stolen.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EUnlimited rewards\u003C\u002Fli\u003E\u003Cli\u003ENo foreign transaction fee\u003C\u002Fli\u003E\u003Cli\u003EFair credit needed\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EHigh APR\u003C\u002Fli\u003E\u003Cli\u003ENo rewards\u003C\u002Fli\u003E\u003Cli\u003ENo intro APR\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Capital One QuicksilverOne Cash Rewards Credit Card\" data-superlative=\"Best credit card for unlimited cashback\" data-imagegroup=\"{}\" data-offer=\"{"id":"9cfa2842-f55f-42f1-80f4-40f0c32efe25","slug":"capital-one-quicksilverone-cash-rewards","label":"Capital One QuicksilverOne Cash Rewards","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"9cfa2842-f55f-42f1-80f4-40f0c32efe25","name":"Capital One QuicksilverOne Cash Rewards","slug":"capital-one-quicksilverone-cash-rewards","productType":"SERIES","updateType":"PRISM","mod":1645208036542,"displayDate":"Fri Feb 18 2022 13:13:56 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"6fd9b9da-6978-434b-a625-495b819f8b8e\" data-edition=\"us\" data-description=\"\u003Cp\u003EWith the Discover It Student Cash Back, a 0% introductory purchase APR makes it easier to save money on those big purchases in your first six months of having the card, then a variable APR of 17.99% - 26.99%. Discover is flexible with its requirements because this is a card designed for young adults that have not yet fully established their credit. Because of this, there is no annual fee and no credit score necessary to apply.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EDespite the fact that this is a \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-starter-credit-card-for-no-credit\u002F"\u003Egreat starter credit\u003C\u002Fa\u003E for those with no credit, there are still rewards with 5% cashback on a quarterly rotating basis for categories like dining, groceries, gas, and Amazon purchases. The rotating categories are present upfront; from July through September, for example, it's 5% cashback at restaurants and PayPal, and from October to December its 5% cashback at Amazon.com and for digital wallets. All other purchases receive 1% cashback automatically without a time limit. There is also Cashback Match, which gives unlimited dollar-for-dollar matching of your total first-year cashback earnings.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EExtra cashback\u003C\u002Fli\u003E\u003Cli\u003EIntroductory balance transfer fee\u003C\u002Fli\u003E\u003Cli\u003EIntroductory APR\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EA small line of credit\u003C\u002Fli\u003E\u003Cli\u003ERising transfer APR\u003C\u002Fli\u003E\u003Cli\u003EIncreasing transfer APR\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Discover it® Student Cash Back\" data-superlative=\"Best credit card for students\" data-imagegroup=\"{}\" data-offer=\"{"id":"0816e057-9067-4109-8fee-44ff39d34880","slug":"discover-it-student-cash-back","label":"Discover It Student Cash Back","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"0816e057-9067-4109-8fee-44ff39d34880","name":"Discover It Student Cash Back","slug":"discover-it-student-cash-back","productType":"SERIES","updateType":"PRISM","mod":1645208299939,"displayDate":"Fri Feb 18 2022 13:18:19 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"0605591e-de20-4048-88b9-264474ba8026\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Petal 2 Cash Back, No Fees Visa credit card is issued by WebBank, as a cashback rewards card for those with fair credit. Its APR starts low at 17.99% but can reach as high as 31.99%, depending on your total credit score. Credit lines begin at $300 and go all the way up to $10,000 total. However, what is most remarkable is the complete lack of fees that Petal 2 charges, skipping the typically high annual, balance transfer, and foreign transaction fees.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThere are also unlimited rewards with up to 1.5% cashback, so you do not have to track categories or spending. There is 1% cashback when you spend and up to 1.5% with timely payments, plus 2% to 10% off select merchants. The way you spend matters, too, with up to 1.5% cashback when you swipe your card.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo fees\u003C\u002Fli\u003E\u003Cli\u003ELow starting APR\u003C\u002Fli\u003E\u003Cli\u003ECashback\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons&nbsp;\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAPR can run high\u003C\u002Fli\u003E\u003Cli\u003ENo intro offer\u003C\u002Fli\u003E\u003Cli\u003EConfusing rewards structure\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Petal® 2 "Cash Back, No Fees" Visa® Credit Card\" data-superlative=\"Best credit card for no credit\" data-imagegroup=\"{}\" data-offer=\"{"id":"e47f00ce-91ba-4e56-93a2-a7b4bd4d3663","slug":"petal-2-cash-back-no-fees-visa-credit-card","label":"Petal 2 Cash Back, No Fees Visa credit card","edition":["US","ES"],"imageId":"","imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"e47f00ce-91ba-4e56-93a2-a7b4bd4d3663","name":"Petal 2 Cash Back, No Fees Visa credit card","slug":"petal-2-cash-back-no-fees-visa-credit-card","productType":"SERIES","updateType":"PRISM","mod":1645208472532,"displayDate":"Fri Feb 18 2022 13:21:12 GMT-0500 (Eastern Standard Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"a563e85d-9d20-46b5-aedd-b14711bd4d47\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhen shopping for the best unsecured credit card, there are several factors to consider. These are some of the ones we considered in our search for the best unsecured credit cards.&nbsp;\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EAPR:\u003C\u002Fstrong\u003E How much you pay in interest can have an enormous bearing on your financial state, especially since unsecured credit cards may have higher interest rates than \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-credit-card-for-good-credit\u002F"\u003Ecredit cards for good credit\u003C\u002Fa\u003E.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ECard requirements\u003C\u002Fstrong\u003E. Some credit card companies may require that you furnish other details to provide a financial overview without the need for a credit score.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ERewards.\u003C\u002Fstrong\u003E Many credit card issuers offer perks for credit cards, such as cashback, points, or miles that can all be redeemed with different programs and partners.&nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EIntroductory offer.\u003C\u002Fstrong\u003E credit cards may also come with an introductory offer, such as one that skips the purchase or balance transfer APR for a certain period.&nbsp;\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EAutomatic review\u003C\u002Fstrong\u003E: Most credit card companies will complete an automatic review to assess your spending and payment history. If you show a history of responsible payments, you could receive a lower rate for your credit card.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003ETake the time to seriously consider your needs before shopping and comparing your options for the best unsecured credit card for you. &nbsp;\u003C\u002Fp\u003E\" data-hed=\"How did we choose these cards?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"11f42b24-dbfb-49ea-96f3-6c8fa121dcaf\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Capital One Bank Platinum Visa for Rebuilding Credit gets \u003Cem\u003EZDNet\u003C\u002Fem\u003E's top pick for unsecured credit card for bad credit for 2022. In addition to receiving 1% cashback rewards on your everyday purchases, you can get extra cashback to pay mobile phone and internet, and cable and satellite TV services. What's more Credit One periodically reviews your account, and good payment history could lead to credit line increases.&nbsp;\u003C\u002Fp\u003E\u003Cdiv class="table--container " data-role="table" data-rows="6" data-columns="3" data-title="6x3 Table" draggable="true" ondragstart="hub.view.control.rte.RichTextEditorTable.hDragstart(event)"\u003E\u003Cdiv class="table-wrapper"\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ECredit card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EAPR\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EAnnual fee\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ECredit One Bank Platinum Visa for Rebuilding Credit &nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E28.74% variable\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$75 first year; $99 thereafter\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ECapital One Platinum Credit Card &nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E29.99% variable\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ECapital One QuicksilverOne Cash Rewards Credit Card &nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E29.99% variable\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$39\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EDiscover it® Student Cash Back &nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E0% (first six months); then 17.99% to 26.99% variable\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EPetal® 2 "Cash Back, No Fees" Visa® Credit Card &nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E17.99% to 31.99% variable\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\" data-hed=\"What is the best unsecured credit card for bad credit?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1dae5f41-d183-4872-800e-2ea913645115\" data-edition=\"us\" data-description=\"\u003Cp\u003EIt can be overwhelming to sort between so many credit cards with all the different figures, percentages, and rewards. If you are looking for a new card, these are the ZDNet team's recommendations for the best unsecured credit cards of 2022.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EChoose this card...\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EIf...\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd spellcheck="false"\u003E\u003Cp\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fcapital-one-platinum-card-review\u002F" target="_blank"\u003ECapital One Platinum\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EYou want to give your credit a boost\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ECapital One QuicksilverOne Cash Rewards&nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EYou want cashback rewards that do not run out\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EDiscover It Student Cash Back\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EYou want student rewards\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EPetal 2 Cash Back, No Fees Visa\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EDo not have the credit for a credit card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ECredit One Bank Platinum Visa&nbsp;\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ERebuilding credit is your goal\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Which is the right card for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"df6b88b8-1a7b-42d7-b797-b156a8822660\" data-edition=\"us\" data-description=\"\u003Cp\u003EBad credit is a FICO score that is 579 or lower. While this question is subjective, the standard credit score ranges are the following:\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EExceptional\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E800+\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EExcellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E740 - 799\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EGood\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E670 - 739\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EFair\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E580 - 669\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EBad\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E579 and lower\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"What is considered bad credit?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"56a48251-23d5-445d-abed-99097aa5f8d6\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhile the FICO score is only one type of consumer credit score, the term is essentially synonymous with credit scores. The FICO score is derived from your credit reports sent to the three major credit bureaus. Factors such as bankruptcies, debt, and payment history are all taken into consideration.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe three major credit bureaus are Equifax, Experian, and TransUnion.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is FICO score?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"14ee70db-0c7a-4ac0-9367-c64f6bc5e779\" data-edition=\"us\" data-description=\"\u003Cp\u003EA secured credit card is one that requires a deposit to fund your credit card. An unsecured card doesn't use a deposit but&nbsp;extends a line of credit that you repay over time.\u003C\u002Fp\u003E\" data-hed=\"What is the difference between a secured and unsecured credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"7480d2a7-4be2-45d3-85e2-86103612682e\" data-edition=\"us\" data-description=\"\u003Cp\u003EGenerally, the better your credit, the better your interest rate. The best unsecured credit cards of 2022 look at all credit types, including bad credit, so check to see what type of credit score is needed for your favorite unsecured credit card.\u003C\u002Fp\u003E\" data-hed=\"What credit score do I need for the best unsecured credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"46f6daec-ad40-46d2-958e-7dd67111b744\" data-edition=\"us\" data-description=\"\u003Cp\u003EWe've compiled the&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-starter-credit-card-for-no-credit\u002F" target="_blank"\u003Ebest starter credit cards\u003C\u002Fa\u003E&nbsp;to help you grow or rebuild your credit.\u003C\u002Fp\u003E\u003Cp\u003EThe best unsecured credit cards include options from leading financial institutions, such as Capital One and Chase. Ultimately, the best unsecured credit card for no credit all depends on your specific needs and financial goals.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EKeep in mind that credit cards typically require credit to apply for them, but we all have to start somewhere. If you have no credit to show, you have options.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What are the best unsecured credit cards for no credit?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c77fb78e-455f-4b23-b801-94d55443dd1d\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe short answer is yes, but secured credit cards are a better fit for people with fair credit. However, if you can't get approved for one, there are options for you with better odds.\u003C\u002Fp\u003E\u003Cp\u003EIf your FICO score is below 669 and you need to build credit, you can get an unsecured credit card for fair credit. Just know that you'll be subjected to higher interest rates and fees since they aren't backed by cash deposits.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Can I get an unsecured credit card with fair credit?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e97207a0-92a1-423a-8083-86ec2a5b1d53\" data-edition=\"us\" data-description=\"\u003Cp\u003ETo find the best unsecured credit cards of 2022, we reviewed many different credit cards. In our search, we found several options that may be worth your consideration.\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EAvant Credit Card\u003C\u002Fstrong\u003E: A great alternative for \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-business-credit-card-for-bad-credit\u002F"\u003Ebad credit\u003C\u002Fa\u003E&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ECapital One VentureOne Rewards Credit Card\u003C\u002Fstrong\u003E: Excellent for miles\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EChase Sapphire Reserve\u003C\u002Fstrong\u003E®: Travel rewards\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fciti-double-cash-review\u002F" target="_blank"\u003E\u003Cstrong\u003ECiti® Double Cash Card\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E: Cashback&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003ETo help round out your search, consider our picks for the \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-bankruptcy-credit-card\u002F" target="_blank"\u003Ebest bankruptcy credit card\u003C\u002Fa\u003E, the&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-crypto-credit-card\u002F"\u003Ebest crypto credit card\u003C\u002Fa\u003E, and the \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-small-business-credit-card\u002F"\u003Ebest small business credit card for 2022\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\" data-hed=\"Are there alternative cards worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-07-21 16:29:00",timezone:"UTC",updated:c,published:c},description:"What's the best unsecured credit card for 2022? If you have bad credit, the Credit One Bank Platinum Visa for Rebuilding Credit is the best unsecured credit card. Secure your future, even with a low credit score.",filterKey:"4ac28de1-2091-4592-8f25-5a8becdb1034",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"6d7df9a6-0cde-45f4-a163-df472aecf7a6",image:{id:"4db82071-95f2-4899-909e-715872f19cca",filename:"platinum-visa-through-credit-one.jpg",dateCreated:{created:c,date:"2021-08-10 19:53:26",timezone:"UTC",updated:c,published:c},alt:"lock-hacked-security.jpg",credits:c,caption:"\u003Cp\u003EInternet security concept open red padlock virus or unsecured with threat of hacking\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F08\u002F10\u002F4db82071-95f2-4899-909e-715872f19cca\u002Fplatinum-visa-through-credit-one.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"The best unsecured credit cards: Bad credit? No worries",section:b,slug:"best-unsecured-credit-card",startYear:c,summary:b,title:"Best unsecured credit cards 2022: Bad credit? No worries",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9c20cf52-798b-46f0-9742-01999d97a167",username:"Lena Borrelli",profileUrl:c,email:c,firstName:"Lena",lastName:"Borrelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"302892f5-e22d-48c6-91a3-5d45643222c9",filename:"lena-borrelli-author.jpg",dateCreated:{created:c,date:"2021-07-06 17:17:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F302892f5-e22d-48c6-91a3-5d45643222c9\u002Flena-borrelli-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as Bankrate, allconnect, Healthline, Reviews.com, HomeInsurance.com, My Slumber Yard and MYMOVE. She is a financial expert who previously worked for Morgan Stanley and now specializes in all forms of insurance. Her work has also recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate, The Simple Dollar and Home Advisor, as well as many other websites and blogs around the world.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EEstablished in 1933, Navy Federal Credit Union® is a financial institution that has long serviced the military community. From its Vienna, Virginia headquarters, it services \u003Ca href=\"https:\u002F\u002Fwww.navyfederal.org\u002Fcontent\u002Fdam\u002Fnfculibs\u002Fpdfs\u002Fmembership\u002Ffact-sheet.pdf\"\u003E11.7 million members\u003C\u002Fa\u003E and supports nearly 350 branches located across the world. Navy Federal Credit Union is a company whose products are available to active military, veterans, and their families.  \u003C\u002Fp\u003E\u003Cp\u003EWith a generous suite of financial products, it offers some of the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-credit-card\u002F\" target=\"_blank\"\u003Ebest credit cards\u003C\u002Fa\u003E on the market with a competitive APR and excellent rewards. If you are looking for a new credit card, these are the best Navy Federal Credit Union credit cards for your military family. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"070d5cf0-5b41-44e2-8c51-36953e992047\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Navy Federal Credit Union® cashRewards Credit Card is ZDNet's top pick for its ease and convenience. It's a versatile card for when you want cash back on your everyday spending. You get up to 1.75% cash back on all of your purchases without any rewards limit. Your points never expire as long as your account remains open. Rewards are immediately available, so there is no pesky waiting period before you can finally redeem your rewards.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EEven better, there are no annual, foreign transaction, cash advance, or balance transfer fees. This is a card typically available to those with average to excellent credit. The starting APR is a bit higher than some of the other Navy Federal credit cards, but if you are looking for cash back on your regular expenditures, this card could be a perfect fit for you.&nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EUnlimited rewards\u003C\u002Fli\u003E\u003Cli\u003EWelcome bonus\u003C\u002Fli\u003E\u003Cli\u003ENo annual or foreign transaction fees\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ENo bonus categories\u003C\u002Fli\u003E\u003Cli\u003ENo intro APR\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Navy Federal Credit Union® cashRewards Credit Card\" data-superlative=\"Best Navy Federal Credit Union credit card overall\" data-imagegroup=\"{}\" data-offer=\"{"id":"e2124001-3f22-4fd7-a61e-3fed02326f38","slug":"navy-federal-credit-union-cashrewards-credit-card","label":"Navy Federal Credit Union cashRewards Credit Card","edition":["US","ES"],"imageId":null,"imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"e2124001-3f22-4fd7-a61e-3fed02326f38","name":"Navy Federal Credit Union cashRewards Credit Card","slug":"navy-federal-credit-union-cashrewards-credit-card","productType":"SERIES","updateType":"PRISM","mod":1658258863007,"displayDate":"Tue Jul 19 2022 15:27:43 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f9664ae7-839f-4c91-9695-34b66815c0fd\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Navy Federal Credit Union® Go Rewards Credit Card is an excellent pick when you live a busy life on the go and regularly dine out. You get three times the points at restaurants and two times the points on gas. All other purchases earn one time the points. There is a lower starting APR than some of Navy Federal's other credit cards, but you save money from the absence of fees, like no annual or foreign transaction fees. There also are no fees for cash advances or balance transfers. Average to excellent credit is accepted for this card.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ELow starting APR\u003C\u002Fli\u003E\u003Cli\u003EBonus categories\u003C\u002Fli\u003E\u003Cli\u003EIntro offer\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ENo intro APR\u003C\u002Fli\u003E\u003Cli\u003ENot best for at-home cooks\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Navy Federal Credit Union® Go Rewards® Credit Card\" data-superlative=\"BestNavy Federal Credit Union credit card for rewards\" data-imagegroup=\"{}\" data-offer=\"{"id":"d3e4f4f7-23f4-478b-b413-5d5331f869ae","slug":"navy-federal-credit-union-go-rewards-credit-card","label":"Navy Federal Credit Union Go Rewards Credit Card","edition":["US","ES"],"imageId":null,"imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"d3e4f4f7-23f4-478b-b413-5d5331f869ae","name":"Navy Federal Credit Union Go Rewards Credit Card","slug":"navy-federal-credit-union-go-rewards-credit-card","productType":"SERIES","updateType":"PRISM","mod":1658258914452,"displayDate":"Tue Jul 19 2022 15:28:34 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"6e746d37-9250-4936-976b-02c72132721c\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Navy Federal Credit Union® More Rewards American Express Credit Card works for a variety of needs and is a card Navy Federal recommends for your everyday spending. You can get three times the points on gas and transit, as well as three times the points on groceries, dine-in restaurants, and food delivery. All other purchases earn one time the points. The APR falls along the middle range for Navy Federal Credit Union® credit cards, and average to excellent credit is recommended. Like many of Navy Federal's credit cards, there are no annual or foreign transaction fees, nor any fees for balance transfers or cash advances.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EBonus rewards on everyday purchases\u003C\u002Fli\u003E\u003Cli\u003ENone of the typical fees\u003C\u002Fli\u003E\u003Cli\u003ELow starting APR\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ENo intro APR\u003C\u002Fli\u003E\u003Cli\u003EMinimums apply for redemption\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Navy Federal Credit Union® More Rewards American Express® Credit Card\" data-superlative=\"Best Navy Federal Credit Union credit card for everyday purchases\" data-imagegroup=\"{}\" data-offer=\"{"id":"8cf70faf-cd52-431d-9f3c-8d415e613ce8","slug":"navy-federal-credit-union-more-rewards-american-express-credit-card","label":"Navy Federal Credit Union More Rewards American Express Credit Card","edition":["US","ES"],"imageId":null,"imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"8cf70faf-cd52-431d-9f3c-8d415e613ce8","name":"Navy Federal Credit Union More Rewards American Express Credit Card","slug":"navy-federal-credit-union-more-rewards-american-express-credit-card","productType":"SERIES","updateType":"PRISM","mod":1658258958385,"displayDate":"Tue Jul 19 2022 15:29:18 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"17528fb9-76f0-4644-bb90-ee3487cb5062\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Navy Federal Credit Union® nRewards® Secured Credit Card is generous with its credit requirements, so it is a great \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-credit-card-for-bad-credit\u002F"\u003Ecredit card for those with bad credit\u003C\u002Fa\u003E. As a secured card, it does require a deposit of at least $200 to open an account. You get to earn rewards on your purchases, with one time the points for every dollar you spend. The purchase and balance transfer APR is the highest you will face of the best Navy Federal credit cards, but it offers an invaluable opportunity for you to grow your credit and slowly increase your score when you make responsible, timely payments. That makes it also a great choice for new cardholders who do not yet have credit established.  \u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EExtra rewards\u003C\u002Fli\u003E\u003Cli\u003EEasy to redeem points\u003C\u002Fli\u003E\u003Cli\u003ECould transition to an unsecured card with timely payments\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EDeposit required\u003C\u002Fli\u003E\u003Cli\u003EHigh APR\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Navy Federal Credit Union® nRewards® Secured Credit Card\" data-superlative=\"Best secured Navy Federal Credit Union credit card\" data-imagegroup=\"{}\" data-offer=\"{"id":"b2b7bb99-1bd4-493e-aadb-eb8c3d89ede1","slug":"navy-federal-nrewards-secured-credit-card","label":"Navy Federal nRewards Secured Credit Card","edition":["US","ES"],"imageId":null,"imgWidth":null,"imgHeight":null,"objectType":"content_product","typeLabel":"Tech Product","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"b2b7bb99-1bd4-493e-aadb-eb8c3d89ede1","name":"Navy Federal nRewards Secured Credit Card","slug":"navy-federal-nrewards-secured-credit-card","productType":"PRODUCT","updateType":"PRISM","mod":1657843452720,"displayDate":"Thu Jul 14 2022 20:04:12 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"507b7de9-c070-4fd9-94b8-c1e51e8a25ef\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Navy Federal Credit Union® Platinum Credit Card offers Navy Federal's lowest starting APR at just 6.74% on both purchases and balance transfers for qualified cardholders. This lower rate can save you a ton of money when paying off larger purchases or even when you use your card frequently. You also save money because there are no annual or foreign transaction fees. There also aren't any balance transfer or cash advance fees. Average credit is recommended for approval. \u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EVery low starting APR\u003C\u002Fli\u003E\u003Cli\u003ERecommended for balance transfers\u003C\u002Fli\u003E\u003Cli\u003EExcellent for large purchases\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003ENo cash back\u003C\u002Fli\u003E\u003Cli\u003ENo bonus points\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Navy Federal Credit Union® Platinum Credit Card\" data-superlative=\"Best Navy Federal Credit Union credit card for low interest\" data-imagegroup=\"{}\" data-offer=\"{"id":"d8cfc361-a31c-4573-9275-9fa83d00b55e","slug":"navy-federal-credit-union-platinum-credit-card","label":"Navy Federal Credit Union Platinum Credit Card","edition":["US","ES"],"imageId":null,"imgWidth":null,"imgHeight":null,"objectType":"content_product","typeLabel":"Tech Product","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"d8cfc361-a31c-4573-9275-9fa83d00b55e","name":"Navy Federal Credit Union Platinum Credit Card","slug":"navy-federal-credit-union-platinum-credit-card","productType":"PRODUCT","updateType":"PRISM","mod":1657843501424,"displayDate":"Thu Jul 14 2022 20:05:01 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"170d3cda-2593-47c9-b359-460575f1b731\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card gives you the opportunity to maximize your points on travel. It is a great fit for the regular globetrotter, as you receive three times the points on your travel purchases. You also receive two times the points on all other purchases. Statement credits up to $100 are available for your Global Entry or TSA Pre✓ expenses. The starting APR is about average for Navy Federal, but you get to skip the fees for your foreign transactions. However, unlike many Navy Federal credit cards, the Signature Flagship Rewards Credit Card has an annual fee of $49 per year. Very good to excellent credit is recommended. \u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EIntro offer\u003C\u002Fli\u003E\u003Cli\u003EExcellent rewards\u003C\u002Fli\u003E\u003Cli\u003EFlexible redemption options\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cul\u003E\u003Cli\u003EAnnual fee applies\u003C\u002Fli\u003E\u003Cli\u003ETravel limits\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Navy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card\" data-superlative=\"Best for travel\" data-imagegroup=\"{}\" data-offer=\"{"id":"2220f466-0c1e-41f5-a4cf-de8c7b77c217","slug":"navy-federal-credit-union-visa-signature-flagship-rewards-credit-card","label":"Navy Federal Credit Union Visa Signature Flagship Rewards Credit Card","edition":["US","ES"],"imageId":null,"imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"2220f466-0c1e-41f5-a4cf-de8c7b77c217","name":"Navy Federal Credit Union Visa Signature Flagship Rewards Credit Card","slug":"navy-federal-credit-union-visa-signature-flagship-rewards-credit-card","productType":"SERIES","updateType":"PRISM","mod":1658259023729,"displayDate":"Tue Jul 19 2022 15:30:23 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"35776484-a3a5-47f8-92fb-78870c4a37dc\" data-edition=\"us\" data-description=\"\u003Cp\u003ETo determine the best Navy Federal Credit Union credit cards, we compared each card based on a series of factors, like annual percentage rates (APRs), fees, support, and the credit score required to obtain the card. We weighed all of these factors while accounting for customer experience and reviews to assess the best Navy Federal Credit Union credit cards for your family.  \u003C\u002Fp\u003E\" data-hed=\"How did we choose these cards?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"48dd62ba-37b5-4a2c-b1d1-168ffbc3e430\" data-edition=\"us\" data-description=\"\u003Cp\u003ETo help you determine the best Navy Federal credit card for you, we offer these expert considerations.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EChoose this Navy Federal Credit Union credit card...\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EIf you...\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ENavy Federal Credit Union® cashRewards Credit Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWant cash back rewards on your purchases\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ENavy Federal Credit Union® Go Rewards® Credit Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWhen you want a credit card that rewards you back\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ENavy Federal Credit Union® More Rewards American Express® Credit Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWant rewards on everyday spending \u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ENavy Federal Credit Union® nRewards® Secured Credit Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWant a card for poor credit\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ENavy Federal Credit Union® Platinum Credit Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EDo not want to waste all your money on interest\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ENavy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWant dining and travel rewards \u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Which is the right Navy Federal Credit Union® credit card for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"bef6566f-450c-4a79-a651-cb23572dfae2\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe Navy Federal Credit Union® cashRewards Credit Card gets our top pick thanks to its generous rewards program and zero fees. It's ideal for everyday spending. In addition to getting up to 1.75% cash back on all of your purchases (without any rewards limit), your points never expire as long as your account remains open. What's more, rewards are immediately available.\u003C\u002Fp\u003E\u003Cp\u003EBut Navy Federal offers six different credit cards that all suit different needs. For example, while the \u003Cem\u003Ecash\u003C\u002Fem\u003ERewards Credit Card focuses on cash back rewards, the Platinum card focuses on saving you interest. It all depends on what you are seeking in a credit card and which Navy Federal Credit Union® credit card answers that need.  \u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ENavy Federal Credit Union credit card\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EAPR\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ERecommended credit\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ENavy Federal Credit Union® cashRewards Credit Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E10.40% - 18.00%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EFair, Good, Excellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ENavy Federal Credit Union® Go Rewards® Credit Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E9.74% - 18.00%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EFair, Good, Excellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ENavy Federal Credit Union® More Rewards American Express® Credit Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E10.40% - 18.00%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EGood, Excellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ENavy Federal Credit Union® nRewards® Secured Credit Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E18.00%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EPoor, Fair\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ENavy Federal Credit Union® Platinum Credit Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E6.74% - 18.00%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EGood, Excellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ENavy Federal Credit Union® Visa Signature® Flagship Rewards Credit Card\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E10.74% - 18.00%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EGood, Excellent\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"What is the best Navy Federal Credit Union® credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"54053b5e-3d34-4cc6-add0-b433058ea78c\" data-edition=\"us\" data-description=\"\u003Cp\u003ENavy Federal Credit Union offers generous benefits with its credit cards:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo foreign transaction fees\u003C\u002Fli\u003E\u003Cli\u003ENo balance transfer fees\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E24\u002F7 support from U.S.-based  customer service representatives\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EZero Liability for fraudulent, unauthorized transactions, including notifications\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EOption to freeze and unfreeze card\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003ECredit score access\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EIt offers a host of benefits that accompany already impressive credit cards.\u003C\u002Fp\u003E\" data-hed=\"What benefits do you get with a Navy Federal Credit Union credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ff38c2a1-90bb-4c2f-80b6-6b526e1a523c\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou can prequalify on the website or call customer support to find out if you are eligible for a Navy Federal Credit Union credit card.\u003C\u002Fp\u003E\" data-hed=\"How do I get a Navy Federal credit card?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"d31ffba3-73c7-4ca0-bcc0-e2171b77ccb9\" data-edition=\"us\" data-description=\"\u003Cp\u003ENavy Federal offers a limited amount of credit cards, so you may need to look elsewhere if there is not a credit card that meets your exact needs.\u003C\u002Fp\u003E\u003Cp\u003ECheck out some of the \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-usaa-card\u002F"\u003Ebest USAA credit cards\u003C\u002Fa\u003E, as well as the \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-credit-union-credit-card\u002F"\u003Ebest credit union credit cards\u003C\u002Fa\u003E, to see which one works best for you!  \u003C\u002Fp\u003E\" data-hed=\"Are there alternative cards worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-07-21 15:23:00",timezone:"UTC",updated:c,published:c},description:"Navy Federal Credit Union® cashRewards Credit Card earns ZDNet's top spot among Nave Federal credit cards for the cash back you receive on everyday spending, immediate rewards, and zero fees all around. The other Navy Federal Credit Union credit cards on our list all offer not only attractive APRs but also feature special rewards and benefits that can save you and your family money.",filterKey:"4ac28de1-2091-4592-8f25-5a8becdb1034",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"56ec7df3-a15a-414a-ba9f-d86dd43f6bae",image:{id:"c9c0d3fc-199b-4880-be23-f90c5f681753",filename:"navy-credit-union-credit-card.jpg",dateCreated:{created:c,date:"2022-07-21 15:21:31",timezone:"UTC",updated:c,published:c},alt:"ZDNet's Best Navy Federal Credit Union® Credit Cards",credits:"https:\u002F\u002Fmy.navyfederal.org\u002FNFOAA_Auth\u002Flogin.jsp",caption:"\u003Cp\u003EZDNet's Best Navy Federal Credit Union® Credit Cards\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F07\u002F21\u002Fc9c0d3fc-199b-4880-be23-f90c5f681753\u002Fnavy-credit-union-credit-card.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1296,height:729,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:"The 6 best Navy Federal Credit Union credit cards: Sail ahead with the best",section:b,slug:"best-navy-federal-credit-union-credit-card",startYear:c,summary:b,title:"The 6 best Navy Federal Credit Union credit cards of 2022",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"d62f615a-7c98-4b72-9f60-4fc0b32c5008",username:"ezimmer",profileUrl:c,email:c,firstName:"Evan",lastName:"Zimmer",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"b4d24d6b-a72f-4381-9b2a-b99f7f36348b",filename:"evanzimmer3.jpg",dateCreated:{created:c,date:"2022-01-14 18:53:05",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F01\u002F14\u002Fb4d24d6b-a72f-4381-9b2a-b99f7f36348b\u002Fevanzimmer3.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Evan Zimmer is a journalist based outside of Denver, Colorado. He's been writing about credit cards and other financial products for years, and works to bring you the best, most up-to-date financial information.",profile:c,title:"Staff Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"1381adf6-57a8-46b9-b4c6-1c7daabe8cef\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003EThe new Instacart Mastercard from Instacart and Chase.\u003C\u002Fp\u003E\" data-image-credit=\"Source: Chase\" data-image-alt-text=\"The new Instacart Mastercard from Instacart and Chase.\" data-image-filename=\"instacart-mastercard-credit-card.jpg\" data-image-date-created=\"2022\u002F07\u002F20\" data-image-width=\"1200\" data-image-height=\"600\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EChase and Instacart announced Thursday the launch of the Instacart Mastercard. The new credit card offers cardholders 5% cash back on Instacart purchases made at more than 800 national, regional and local retail brands. The card features no annual fee.\u003C\u002Fp\u003E\u003Cp\u003EFor a limited time, the first 10,000 consumers who are approved for the card will instantly get a $200 Instacart gift card, plus one year of Instacart+. \u003C\u002Fp\u003E\u003Cp\u003EFollowing the first 10,000 cardholders, new cardholders will earn an automatic $100 Instacart credit and one free year of Instacart+. \u003C\u002Fp\u003E\u003Cp\u003EInstacart+ benefits include free delivery on orders over a certain size, reduced Instacart service fees, credit back on eligible pickup orders, and other exclusive benefits.\u003C\u002Fp\u003E\u003Cp\u003EIn addition to the Instacart rewards and welcome bonus, the card earns:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E5% cash back on travel purchased through the Chase Travel Center\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003E2% at restaurants, gas stations, and select streaming services\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E1% on all other purchases\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003ECash back isn't capped, so cardholders are free to earn as much as they can. Rewards can be redeemed for either statement credits or be deposited directly into a bank account. Eventually cardholders will also be able to use them to fund Instacart purchases. There is no minimum redemption requirement.\u003C\u002Fp\u003E\u003Cp\u003EOn top of all of that, the Instacart Mastercard comes with a surprising number of shopping and travel protections for a no annual fee credit card:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EWorld Elite Concierge:\u003C\u002Fstrong\u003E Get help with non-emergency tasks like making dinner reservations or finding entertainment tickets, 24\u002F7.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EPurchase Protection:\u003C\u002Fstrong\u003E New purchases are covered against damage and theft for 120 days. Up to $500 per claim and $50,000 per account.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EExtended Warranty:\u003C\u002Fstrong\u003E If your purchase has a US manufacturer's warranty of three years or less, it could be extended for an additional year.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ETravel Accident Insurance:\u003C\u002Fstrong\u003E Get coverage against accident death and dismemberment when you use your card to pay for your airfare, bus fare, train ticket, or cruise. Coverage is up to $500,000.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EBaggage Delay Insurance:\u003C\u002Fstrong\u003E Get reimbursed for essential purchases if your luggage is delayed by six hours or more. $100 a day for three days.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ELost Luggage Reimbursement:\u003C\u002Fstrong\u003E If your checked luggage, or a family member's, is damaged or lost by the common carrier, you're covered by up to $3,000.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ERoadside Assistance:\u003C\u002Fstrong\u003E If you run into car trouble while traveling, call your Benefit Administrator for help.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EAuto Rental Collision Damage Waiver:\u003C\u002Fstrong\u003E Decline the rental car providers insurance offer and charge the full amount to your card. Your rental will get secondary coverage against damage and theft.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ETravel and Emergency Assistance Services: \u003C\u002Fstrong\u003ECall the Benefit Administrator for legal, medical, travel or other emergency help while away from home.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EIf you don't already have a credit card that earns on necessary purchases like gas and groceries, you could do worse than the Instacart Mastercard. Especially for consumers who are already taking advantage of the grocery delivery service.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-07-21 13:00:00",timezone:"UTC",updated:c,published:c},description:"Instacart shoppers can now earn cash back for the grocery delivery service and for other bonus categories as well.",filterKey:"4ac28de1-2091-4592-8f25-5a8becdb1034",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"86c6210f-e098-46d4-84bf-9a48faef005d",image:{id:"c7ff72fc-cd2a-4f7d-b099-d4becd45c564",filename:"instacart.jpg",dateCreated:{created:c,date:"2020-08-20 21:30:39",timezone:"UTC",updated:c,published:c},alt:"Instacart",credits:"Image: nrd (Unsplash), Instacart",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2020\u002F08\u002F20\u002Fc7ff72fc-cd2a-4f7d-b099-d4becd45c564\u002Finstacart.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1000,height:500,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"the-instacart-mastercard-issued-by-chase-is-now-available-to-consumers",startYear:c,summary:b,title:"The Instacart Mastercard, issued by Chase, is now available to consumers",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"e89110c2-9572-4bf6-9760-5b84484c4c2b",username:"thusbands",profileUrl:c,email:c,firstName:"Toni",lastName:"Husbands",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"488159b1-5a9d-4f00-8fe0-c631cbb2dc8d",filename:"tonihusbands-headshot600x400.jpg",dateCreated:{created:c,date:"2022-05-23 14:52:59",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F05\u002F23\u002F488159b1-5a9d-4f00-8fe0-c631cbb2dc8d\u002Ftonihusbands-headshot600x400.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Toni Husbands is a staff writer with ZDNET, a Red Ventures company. She's been tackling personal finance topics since beginning her journey of paying off $107,000 of credit card and other personal debt in 2012. In that time, she contributed as a freelance writer for numerous websites including CreditCards.com and Wisebread. Her work has been featured on Yahoo News and she became a regular contributor to Business AM TV. She received her BS in computer science from the University of Oklahoma and MS in computer science from DePaul University.",profile:c,title:"Staff Writer",bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EThe May 2022 Personal Finance and Credit survey released by Credit Sesame found that a greater number of Americans are relying on credit cards to fund routine purchases and expenses as interest rates and inflation reach highs not seen in decades. The \u003Ca href=\"https:\u002F\u002Fwww.federalreserve.gov\u002Fnewsevents\u002Fpressreleases\u002Fmonetary20220615a1.htm\" target=\"_blank\"\u003EFederal Reserve\u003C\u002Fa\u003E issued a 0.75% increase in its benchmark rates in June, the largest jump since 1994. The \u003Ca href=\"https:\u002F\u002Fwww.bls.gov\u002Fcpi\u002F\" target=\"_blank\"\u003Econsumer price index\u003C\u002Fa\u003E, which measures inflation, jumped to 9.1% in June from the same period last year. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"d5a3a21f-df88-4062-9491-aef1fb733000\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fd5a3a21f-df88-4062-9491-aef1fb733000\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe survey, developed by Credit Sesame using Momentive Inc.'s survey tool, polled 1,222 US residents online age 18 and over between May 20 and 21. It was issued to assess the impact of inflation on credit use over the past year.\u003C\u002Fp\u003E\u003Cp\u003EThe following trends highlighted in the survey make life more expensive for consumers relying on credit:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ECredit card users carrying a balance of more than half of their credit limit increased by 9%.\u003C\u002Fli\u003E\u003Cli\u003ELate payments increased by 50%.\u003C\u002Fli\u003E\u003Cli\u003EThe number of people using credit cards jumped 7%, while those using debit cards dropped 3%.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\"Inflation and economic adjustments affect us all, but understanding and improving your credit score can protect against these rising costs and interest rates,\" said Adrian Nazari, CEO of Credit Sesame, in a \u003Ca href=\"https:\u002F\u002Fwww.creditsesame.com\u002Fabout\u002Fpress\u002Fcredit-sesame-personal-finance-and-credit-survey-reveals-americas-credit-use-is-rising-at-the-wrong-time\u002F\" target=\"_blank\"\u003Epress release\u003C\u002Fa\u003E on the company's website. \"The results of this survey prove how important it is for Americans to take care of their credit health to stave off the negative impact of any economic downturn.\"    \u003C\u002Fp\u003E\u003Cp\u003EInflation makes life more expensive across the board. Incomes are not keeping pace with the increased costs of goods and services. In fact, the press release noted that only 7% of Americans received pay raises that exceeded the increased rate of inflation. As more Americans turn to credit, the higher rates add an additional financial burden to households.\u003C\u002Fp\u003E\u003Cp\u003EAdditional findings from the survey include:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EThe number of people spending more than 90% of their paycheck for month-to-month expenses doubled from 17% in 2021 to 34% in 2022.\u003C\u002Fli\u003E\u003Cli\u003EThe number of people whose spending exceeds their income in a pay period almost doubled from 6% in 2021 to 11% in 2022.\u003C\u002Fli\u003E\u003Cli\u003EOne in six Americans saw their credit scores decrease between May 2021 to May 2022. \u003C\u002Fli\u003E\u003Cli\u003EConsumers with credit scores in the poor-to-very-poor range are most likely to experience stress over money -- 74%.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1e3da880-3371-46eb-b27a-2ac850749574\" data-edition=\"us\" data-description=\"\u003Cp\u003ECredit, by one broad definition, is your ability to borrow money or secure goods or services while agreeing to pay later. The amount and type of credit available to you is determined by your three-digit credit score.&nbsp;\u003Ca href="https:\u002F\u002Fwww.myfico.com\u002Fcredit-education\u002Fwhat-is-a-fico-score" target="_blank"\u003EFICO scores\u003C\u002Fa\u003E&nbsp;are the most common credit scoring system used by more than 90% of financial institutions. FICO scores range from 300 to 850. Scores below 580 are considered poor. Anything above 740 would put you into the range of very good to exceptional credit. Customers with scores in this range qualify for the best interest rates and offers.\u003C\u002Fp\u003E\u003Cp\u003EIt's important to maintain a high credit score, or work to improve a lower score, because the score dictates what interest rate -- the amount you're charged by a lender to borrow its assets -- you'll receive when taking out loans or applying for credit cards. The type of deals offered for cell phone plans, insurance products, or deposits required for utilities, for example, also can be affected by your credit score. The lower your score, the more you will pay, as creditors deem you as a high financial risk.\u003C\u002Fp\u003E\u003Cp\u003ELet say, for example, that you finance a $10,000 used car over 48 months. Customers with excellent credit scores (typically 750 or more) would qualify for an average rate of 8.18%. You will pay $245 a month and $1,759 in interest over the life of the loan. Car buyers with fair credit scores (600-699) are looking at average interest rates of 14.89%. A seven point interest rate jump will increase your monthly payments to $278 per month for a total of $3,332 in interest over the life of the loan. A 51-point drop from 750 in your credit score could cost a buyer an additional $1,573 in interest for the exact same vehicle. Maintaining the highest possible credit score allows you to access credit at the lowest rate. Healthy credit affects your bottom line directly.\u003C\u002Fp\u003E\" data-hed=\"Why does healthy credit matter?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"cbfd7519-c52e-4347-8fbc-832ea424fec3\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fcbfd7519-c52e-4347-8fbc-832ea424fec3\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"4f6b8d53-ca8b-4eed-a290-e63d2f0e4382\" data-edition=\"us\" data-description=\"\u003Cp\u003ECredit Sesame's Personal Finance and Credit survey also pointed out that many Americans are misinformed when it comes to basic financial literacy. The results show that nearly one in six don't know their credit score. What's more, 40% were unaware that lenders use a credit score to determine their ability to repay loans.\u003C\u002Fp\u003E\u003Cp\u003E\u003Ca href="https:\u002F\u002Fwww.myfico.com\u002Fcredit-education\u002Fimprove-your-credit-score" target="_blank"\u003EFICO\u003C\u002Fa\u003E, the organization responsible for developing the FICO credit score, suggests three main tips that anyone can follow to improve their credit score:\u003C\u002Fp\u003E\u003Col\u003E\u003Cli\u003E\u003Cstrong\u003EFix any errors on your credit report.\u003C\u002Fstrong\u003E&nbsp;Retrieve a&nbsp;\u003Ca href="https:\u002F\u002Fwww.annualcreditreport.com\u002Findex.action" target="_blank"\u003Efree copy of your credit report\u003C\u002Fa\u003E&nbsp;from the three credit reporting agencies -- Equifax, Experian, and Trans Union -- once a year. A&nbsp;\u003Ca href="https:\u002F\u002Fwww.consumerfinance.gov\u002Fabout-us\u002Fblog\u002Fcommon-errors-credit-report-and-how-get-them-fixed\u002F" target="_blank"\u003Estudy by the Federal Trade Commission\u003C\u002Fa\u003E&nbsp;showed one in four people found an error on their credit report that could impact their credit score.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EPay your bills on time.\u003C\u002Fstrong\u003E&nbsp;Payment history is the largest factor used to determine your credit score. Even one 30-day late payment can have a significant impact on your score. Adding paying reminders or setting up auto-pay services are great ways to ensure that your bills are paid on time. Improving your score will take time, but with consistency and an on-time payment history, your credit score will improve.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EReduce the overall amount of debt.\u003C\u002Fstrong\u003E&nbsp;Keeping your debt utilization rate below 30% is another key factor that can improve your credit score. Maintaining an outstanding debt balance that is no more than 30% of the available credit should be your goal. Therefore, creating a plan to reduce the amount of outstanding debt will save you money each month. The amount of interest you'll pay each month is calculated based on the outstanding balances owed on loans or credit cards.\u003C\u002Fli\u003E\u003C\u002Fol\u003E\u003Cp\u003ELowering your expenses by qualifying for the best interest rates and paying less interest overall is one tool consumers have to reduce the impact of rising inflation. The&nbsp;\u003Ca href="https:\u002F\u002Fwww.nfcc.org\u002F" target="_blank"\u003ENational Foundation of Credit Counselors\u003C\u002Fa\u003E&nbsp;can assist with locating nonprofit credit counselors for those who need additional support getting problems with debt and credit card abuse under control.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"How can you improve your credit score?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"98d93e7c-6adc-4113-b554-ff62816bdd51\" data-edition=\"us\" data-description=\"\u003Cp\u003EZDNet has profiled several categories of credit cards for those who need to establish or rehabilitate bad credit. From secured cards to cards with no fees and great rewards, with the right tools and a little hard work rebuilding credit is possible.\u003C\u002Fp\u003E\" data-hed=\"What are the best cards to rehabilitate your credit?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Cstrong\u003EUnsecured credit cards for people in the rebuilding stage.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"49673395-7863-439c-9fe4-09959f07747d\" data-edition=\"us\" data-description=\"\u003Cp\u003ECredit One Bank Platinum Visa offers flexibility in that it is accepted worldwide. There are substantial foreign transaction fees, so keep that in mind.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe card's APR is fairly high, but the trade-off is that it doesn't require a cash deposit up front. Initial credit limits are lower, but your account will be reviewed every six months. Lower credit limits are helpful for those in the rebuilding stage because it limits the chances of overspending. With wise management, your credit limits could be increased.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo security deposit required &nbsp;\u003C\u002Fli\u003E\u003Cli\u003EGradual credit line increase with positive usage\u003C\u002Fli\u003E\u003Cli\u003ECash back rewards\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAnnual fee that increases after the first year&nbsp;\u003C\u002Fli\u003E\u003Cli\u003ESteep foreign transaction fees\u003C\u002Fli\u003E\u003Cli\u003EInitial low limit restricts charging power\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EView more \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-credit-card-for-bad-credit\u002F" target="_blank"\u003Ecredit card options\u003C\u002Fa\u003E for those who want to improve their credit.\u003C\u002Fp\u003E\" data-hed=\"Credit One Bank® Platinum Visa® for Rebuilding Credit\" data-superlative=\"Offers an unsecured credit line\" data-imagegroup=\"{}\" data-offer=\"{"id":"e7173824-9ce0-49ba-a216-12e528d36ce8","slug":"credit-one-bank-platinum-visa","label":"Credit One Bank Platinum Visa","edition":["US","ES"],"imageId":null,"imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"e7173824-9ce0-49ba-a216-12e528d36ce8","name":"Credit One Bank Platinum Visa","slug":"credit-one-bank-platinum-visa","productType":"SERIES","updateType":"PRISM","mod":1658257660744,"displayDate":"Tue Jul 19 2022 15:07:40 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Cstrong\u003ECredit cards for people with bad credit\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"75158c37-3b04-44f6-b19f-aae136dd068c\" data-edition=\"us\" data-description=\"\u003Cp\u003EDiscover it® Secured is a solid option for consumers looking to rebuild credit. The deposit required serves as your credit limit. After seven months of responsible credit management you are eligible to have your card converted to an unsecured line of credit. Discover also offers a cashback match program that at the end of each year doubles all rewards you've earned .\u003C\u002Fp\u003E\u003Cp\u003EDiscover also provides access to your FICO score, which helps you track progress while rebuilding your score.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo credit score requirement&nbsp;\u003C\u002Fli\u003E\u003Cli\u003ECash back rewards\u003C\u002Fli\u003E\u003Cli\u003ENo annual fee\u003C\u002Fli\u003E\u003Cli\u003EAutomatic transition to unsecured card\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ECredit line will be low if your security deposit is low\u003C\u002Fli\u003E\u003Cli\u003EHigh APR&nbsp;\u003C\u002Fli\u003E\u003Cli\u003EFew other perks associated with rewards cards\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EView a complete list of the \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-unsecured-credit-card\u002F" target="_blank"\u003E5 best unsecured credit cards\u003C\u002Fa\u003E for people with bad credit.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Discover it® Secured\" data-superlative=\"Earn rewards while rebuilding credit\" data-imagegroup=\"{}\" data-offer=\"{"id":"c19a841c-eaea-423f-9b49-8de17f8fa69c","slug":"discover-it-secured","label":"Discover it Secured","edition":["US","ES"],"imageId":null,"imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"c19a841c-eaea-423f-9b49-8de17f8fa69c","name":"Discover it Secured","slug":"discover-it-secured","productType":"SERIES","updateType":"PRISM","mod":1657742304336,"displayDate":"Wed Jul 13 2022 15:58:24 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Cstrong\u003EA great option for people with no credit.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ba14e0e7-3645-462b-b4ed-e41f82f2b4dc\" data-edition=\"us\" data-description=\"\u003Cp\u003EPetal® 2 "Cash Back, No Fees" Visa® Credit Card, issued by WebBank,&nbsp;is recommended for customers with limited, fair, or excellent credit. Cashback rates range from 2% to 10%, depending on the spending category. Your rewards rate can increase with an on-time payment history. Applicants begin with a $500 minimum credit limit. This card is a gem for those with no credit history, because you can access great cashback rewards without the cost of an annual fee.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo fees (annual, late\u002Freturn payment, or foreign transaction)\u003C\u002Fli\u003E\u003Cli\u003ELimited\u002Fno credit history requirement\u003C\u002Fli\u003E\u003Cli\u003EGenerous rewards -- up to 10% cash back on certain spending categories\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EVariable APR range is high\u003C\u002Fli\u003E\u003Cli\u003ENo introductory bonus\u003C\u002Fli\u003E\u003Cli\u003EHigher credit limits may conflict with restrictive budgets\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EView the complete list of \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fcredit-cards\u002Fbest-starter-credit-card-for-no-credit\u002F" target="_blank"\u003E6 best starter credit cards\u003C\u002Fa\u003E for people with no credit.\u003C\u002Fp\u003E\" data-hed=\"Petal® 2 "Cash Back, No Fees" Visa® credit card\" data-superlative=\"Save more with no annual fee.\" data-imagegroup=\"{}\" data-offer=\"{"id":"e47f00ce-91ba-4e56-93a2-a7b4bd4d3663","slug":"petal-2-cash-back-no-fees-visa-credit-card","label":"Petal 2 Cash Back, No Fees Visa Credit Card","edition":["US","ES"],"imageId":null,"imgWidth":null,"imgHeight":null,"objectType":"content_product_series","typeLabel":"Series","imgUrl":null,"icon":""}\" data-techobjectinfo=\"{"uuid":"e47f00ce-91ba-4e56-93a2-a7b4bd4d3663","name":"Petal 2 Cash Back, No Fees Visa Credit Card","slug":"petal-2-cash-back-no-fees-visa-credit-card","productType":"SERIES","updateType":"PRISM","mod":1657743213561,"displayDate":"Wed Jul 13 2022 16:13:33 GMT-0400 (Eastern Daylight Time)"}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"aa46de76-899f-4423-83b7-a891c88392d8\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Faa46de76-899f-4423-83b7-a891c88392d8\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-07-19 19:23:00",timezone:"UTC",updated:c,published:c},description:"Americans are paying more for goods and services while tapping their credit to fund their lifestyles. Improving credit scores can help control expenses.",filterKey:"4ac28de1-2091-4592-8f25-5a8becdb1034",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"1cb15ae1-e305-4efc-bdb9-e0383230f5b0",image:{id:"f916c134-eedf-46a0-80b0-1f9b9ad5b11d",filename:"istock-8458737821.jpg",dateCreated:{created:c,date:"2019-09-23 13:31:34",timezone:"UTC",updated:c,published:c},alt:"Businessman Drawing Increasing Dollar Graph",credits:"Getty Images\u002FiStockphoto",caption:"\u003Cp\u003EBusinessman Showing Inflation Concept With Increasing Dollar Graph On Green Blackboard. Salary Growth Concept\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2019\u002F09\u002F23\u002Ff916c134-eedf-46a0-80b0-1f9b9ad5b11d\u002Fistock-8458737821.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:770,height:513,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Finance^Credit Cards",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"rising-tide-of-inflation-raises-credit-card-usage-and-stress-among-americans-survey",startYear:c,summary:b,title:"Inflation increases credit card usage, stress among Americans: Survey",topic:{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0fe9b07a-ec91-11e3-95d2-02911863765e",slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d}],componentLabel:"Credit Cards",description:c,filters:c,paging:c,slug:"credit-cards",title:"Credit Cards",label:c,viewMoreText:c,viewMoreUrl:c,relatedItems:c},{id:"e755410b-6b71-4185-91c6-f668581e2a3c",meta:{componentName:"e755410b-6b71-4185-91c6-f668581e2a3c",componentDisplayName:"Banking",componentType:"ContentList"},metadata:{},links:{self:{href:"https:\u002F\u002Fbender.cnetstatic.com\u002Fapi\u002Fneutron\u002Fcomponents\u002Fzdnet\u002Flisting\u002Fmulti_filtered_listing\u002Fe755410b-6b71-4185-91c6-f668581e2a3c\u002Fweb?searchBy=id&topicSlug=finance&componentType=ContentList&componentName=e755410b-6b71-4185-91c6-f668581e2a3c"}},items:[{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"f0f638a3-c567-41e1-9c36-5e86f60da1d7\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Oscar Wong\u002FGetty Images\" data-image-alt-text=\"woman looking at banking transaction on mobile\" data-image-filename=\"mobile-bank-oscar-wong092024.jpg\" data-image-date-created=\"2024\u002F09\u002F18\" data-image-crop=\"2121x1192+0+222\" data-image-width=\"2121\" data-image-height=\"1414\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ESingapore has mandated the use of facial recognition as authentication for \"higher risk\" banking transactions, in a bid to stem \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-struggles-with-scams-as-cybercrime-cases-keep-climbing\u002F\"\u003Egrowing scams in the country\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003ERetail banks will roll out Singpass Face Verification over the next three months to beef up the setup process for digital tokens, according to a joint \u003Ca href=\"https:\u002F\u002Fwww.mas.gov.sg\u002Fnews\u002Fmedia-releases\u002F2024\u002Fmajor-retail-banks-to-introduce-singpass-face-verification\u002F\"\u003Estatement\u003C\u002Fa\u003E released Wednesday by industry regulator Monetary Authority of Singapore (MAS) and the Association of Banks in Singapore (ABS). \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fnon-cash-transactions-to-hit-1-6t-with-asia-leading-adoption\u002F\"\u003E\u003Cstrong\u003ENon-cash transactions to hit 1.6T, with Asia leading adoption\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EVerification mode will be triggered in higher-risk scenarios to complement existing authentication methods for setting up digital tokens, they said. Ultimately, face scans verify a customer's identity against Singapore's records before the digital token can be activated for use by the customer. \u003C\u002Fp\u003E\u003Cp\u003E\"This makes it more difficult for a scammer to take over a customer's digital token by setting it up on his own device using phished credentials such as an SMS, one-time passwords (OTPs), and\u002For bank card information,\" MAS said.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-lawyers-offered-access-to-microsoft-copilot-but-reminded-to-have-human-oversight\u002F\"\u003E\u003Cstrong\u003EMicrosoft Copilot to be integrated into Singapore's legal technology platform\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003ECustomers who do not already have a Singpass account will have to register for an account and download the Singpass app before they can set up digital tokens for their bank accounts. \u003C\u002Fp\u003E\u003Cp\u003EIntroduced in 2003, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-spruces-up-e-government-platform-touts-service-portfolio\u002F\"\u003ESingpass\u003C\u002Fa\u003E is the national digital identity used to authenticate access to various online activities in Singapore, including e-government services, document signing, and booking medical appointments. It is used in more than 2,700 services across 800 government agencies and businesses, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-adds-face-verification-multi-user-sms-to-singpass-2fa\u002F\"\u003Ewith authentication\u003C\u002Fa\u003E via biometrics or SMS two-factor authentication (2FA). \u003C\u002Fp\u003E\u003Cp\u003ESingpass currently has more than 4.2 million users, processing more than 41 million transactions each month, according to government agency \u003Ca href=\"https:\u002F\u002Fwww.tech.gov.sg\u002Fproducts-and-services\u002Ffor-citizens\u002Fdigital-services\u002Fsingpass\u002F\"\u003EGovTech\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fasian-banks-are-favorite-target-of-cybercooks-and-malicious-bots-their-preferred-tool\u002F\"\u003E\u003Cstrong\u003E Asian banks are a favorite target of cybercrooks, and malicious bots their preferred tool\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EThe latest move is part of \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-pushed-to-introduce-security-measures-amidst-online-banking-scams\u002F\"\u003Esecurity measures banks in Singapore\u003C\u002Fa\u003E have implemented, including a \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-mandates-kill-switch-for-banks-as-safeguard-against-online-scams\u002F\"\u003Ekill switch\u003C\u002Fa\u003E, to safeguard customers against scams. In July, local banks -- DBS, OCBC, and UOB also unveiled plans to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002F3-banks-plan-to-retire-one-time-passwords-for-customers-with-digital-tokens\u002F\"\u003Eretire the use of one-time passwords\u003C\u002Fa\u003E (OTPs) for customers who have digital tokens. \u003C\u002Fp\u003E\u003Cp\u003EABS director Ong-Ang Ai Boon said: \"Singpass Face Verification gives customers increased protection against unauthorized access to their bank accounts, adding to the suite of measures and tools that banks have provided customers to empower them to guard themselves against scams. While banks will continue to do their part to fight scams, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-urges-shared-responsibility-in-preventing-online-scams-as-it-readies-liability-framework\u002F\"\u003Ecustomers need to be vigilant themselves\u003C\u002Fa\u003E and practice good cyber hygiene.\"\u003C\u002Fp\u003E\u003Cp\u003EIt's a critical move as digital tokens are used to approve subsequent transactions, noted Loo Siew Yee, MAS' assistant managing director for policy, payments, and financial crime.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-must-move-past-pin-otp-to-ensure-mobile-security\u002F\"\u003E\u003Cstrong\u003EBanks must move past PIN, OTP to ensure mobile security\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EAdditional verification is used for higher risk scenarios by banks such as \u003Ca href=\"https:\u002F\u002Fwww.dbs.com.sg\u002Fpersonal\u002Fsupport\u002Fbank-ibanking-digital-token-additional-security.html\"\u003EDBS\u003C\u002Fa\u003E, for instance, that involve adding a payee or updating personal particulars. \u003C\u002Fp\u003E\u003Cp\u003ESingapore's ongoing efforts to beef up the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-in-singapore-begin-sharing-data-to-combat-financial-crime\u002F\"\u003Ecyber resilience of banks\u003C\u002Fa\u003E come amid growing attacks targeting the financial services sector. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe industry remains the world's most frequently targeted for Layer 3 and 4 distributed denial-of-service (DDoS) attacks for the second consecutive year, according to Akamai Technologies' latest \u003Ca href=\"https:\u002F\u002Fwww.akamai.com\u002Flp\u002Fsoti\u002Ffinancial-services-trends-2024\"\u003EState of the Internet (SOTI) report\u003C\u002Fa\u003E. Such attacks aim for network and transport layers with the intent to overwhelm network infrastructures and clog bandwidth.\u003C\u002Fp\u003E\u003Ch2\u003EFinancial services sector remains a popular target for attack\u003C\u002Fh2\u003E\u003Cp\u003EFinancial services account for 34% of DDoS attacks, followed by gaming at 18%, and high technology at 15%, as documented in the report, whose insights are based on data from Akamai Connected Cloud. \u003C\u002Fp\u003E\u003Cp\u003EIt attributed the spike in DDoS activities to ongoing geopolitical tensions that drove up hacktivism, with the involvement of well-known threat actors including REvil, BlackCat (ALPHV), and KillNet, commonly linked to the Russian-Ukraine war.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-updates-ot-security-blueprint-to-focus-on-data-sharing-and-skills\u002F\"\u003E\u003Cstrong\u003ESingapore updates OT security blueprint to focus on data sharing and cyber resilience\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EIn addition, 36% of all suspicious sites monitored by Akamai are implicated in brand impersonation and abuse activities targeting the financial services sector. \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-phishing-how-to-protect-yourself-from-scam-emails-and-more\u002F\"\u003EPhishing attacks\u003C\u002Fa\u003E also dominate counterfeit sites targeting financial services, accounting for 68% of all recorded instances. \u003C\u002Fp\u003E\u003Cp\u003EAkamai further pointed to a sharp climb in the number of Layer 7 DDoS attacks that specifically target applications via APIs (application programming interfaces). \"A major concern [is] undocumented shadow APIs, which are often unprotected because information security teams are unaware of their existence,\" the report noted. \"Attackers can exploit these APIs to exfiltrate data, bypass authentication controls, or perform disruptive acts.\"\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-defending-their-right-to-security-are-missing-the-point-about-consumer-trust\u002F#link=%7B%22role%22:%22standard%22,%22href%22:%22https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-defending-their-right-to-security-are-missing-the-point-about-consumer-trust\u002F%22,%22target%22:%22_blank%22,%22absolute%22:%22%22,%22linkText%22:%22%3Cstrong%3EBanks%20defending%20their%20right%20to%20security%20are%20missing%20the%20point%20about%20consumer%20trust%3C\u002Fstrong%3E%22%7D\"\u003E\u003Cstrong\u003EBanks defending their right to security are missing the point about consumer trust\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EIn particular, the Asia-Pacific region clocked the highest median threat score for phishing attacks, according to the Akamai study. Specifically, it saw a high number of suspicious domains and requests. \u003C\u002Fp\u003E\u003Cp\u003EThe region's high digital adoption as well as active engagement on social media put its financial sector in a vulnerable position to cyber attacks, Akamai said. \u003C\u002Fp\u003E\u003Cp\u003EIt added that the region also faces unique cybersecurity challenges due to its fragmented landscape, where countries in the West and Global South with strong gross domestic product (GDP) make it a prime target for attacks. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-data-platform-will-help-banks-share-criminal-intelligence\u002F\"\u003E\u003Cstrong\u003EThis data platform will help banks share criminal intelligence\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"The rapid digitalization in banking, combined with low awareness of phishing dangers, puts consumers at a higher risk of attacks despite this region having fewer phishing or brand impersonation domains compared to other parts of the world,\" the report noted. \"This indicates that consumers in the region are at a higher risk of having their banking information and other sensitive data stolen when visiting websites.\"\u003C\u002Fp\u003E\u003Cp\u003EWith almost all services available online, alongside financial organizations' increased engagement on social media, Asia-Pacific's internet adoption makes it a prime target for cybercriminals. It provides more avenues for phishing and impersonation attacks, exploiting users' trust in these platforms. \u003C\u002Fp\u003E\u003Cp\u003E\"Financial institutions in [the region] face a trifecta of challenges in today's landscape such as safeguarding assets and data, ensuring compliance, and staying ahead of innovation to educate customers on the latest phishing and scam tactics,\" said Reuben Koh, Akamai's Asia-Pacific Japan director of security technology and strategy. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fapac-consumers-share-more-data-but-will-ditch-firms-over-security-breach\u002F\"\u003E\u003Cstrong\u003EAPAC consumers share more data, but will ditch firms over security breach\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"With financial services continuing to be the most targeted industry in Asia-Pacific, including Japan, for web application and API cyberattacks, technology decision-makers like chief information security officers must carefully decide where to automate, delegate, and outsource, ensuring scalable security solutions that not only defend assets but also preserve customer loyalty in an increasingly digital world.\"\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-09-18 18:36:23",timezone:"UTC",updated:c,published:c},description:"The move comes amid growing phishing attacks targeting the financial services sector; most impacted by brand impersonation scams.",filterKey:"54481b4c-9a97-44fa-8e6a-a6f7db8f7dc7",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"10b398c8-a71b-428f-85fb-91d7abea7580",image:{id:"f0f638a3-c567-41e1-9c36-5e86f60da1d7",filename:"mobile-bank-oscar-wong092024.jpg",dateCreated:{created:c,date:"2024-09-18 05:53:36",timezone:"UTC",updated:c,published:c},alt:"woman looking at banking transaction on mobile",credits:"Oscar Wong\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F09\u002F18\u002Ff0f638a3-c567-41e1-9c36-5e86f60da1d7\u002Fmobile-bank-oscar-wong092024.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"singapore-mandates-face-authentication-for-higher-risk-bank-transactions",startYear:c,summary:b,title:"Singapore mandates face authentication for 'higher risk' bank transactions",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0fd151ec-ec91-11e3-95d2-02911863765e",slug:"asean",name:"Asean",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"0fe9b07a-ec91-11e3-95d2-02911863765e",slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"aa44a0b2-71f8-464e-a3d0-87a415f9bbcf\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"hirun\u002FGetty Images\" data-image-alt-text=\"OTP on phone with laptop in background\" data-image-filename=\"security-otp-hirun072024.jpg\" data-image-date-created=\"2024\u002F07\u002F09\" data-image-width=\"2119\" data-image-height=\"1415\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EDBS, OCBC, and UOB in Singapore are slated to retire the use of one-time passwords (OTPs) for customers who have digital tokens, in a move that aims to combat \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-phishing-how-to-protect-yourself-from-scam-emails-and-more\u002F\" target=\"_blank\"\u003Ephishing scams\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003ETo be phased out within the next three months, OTPs will remain available to customers of the three banks who still rely on physical tokens. These users, however, are \"strongly encouraged\" to activate their digital tokens to better safeguard their credentials against phishing attacks, according to a \u003Ca href=\"https:\u002F\u002Fwww.mas.gov.sg\u002Fnews\u002Fmedia-releases\u002F2024\u002Fbanks-in-singapore-to-strengthen-resilience-against-phishing-scams\" target=\"_blank\"\u003Ejoint statement\u003C\u002Fa\u003E released Tuesday by industry regulator Monetary Authority of Singapore (MAS) and The Association of Banks in Singapore (ABS).\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-must-move-past-pin-otp-to-ensure-mobile-security\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EBanks must move past PIN, OTP to ensure mobile security\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EWith the OTP phase out, customers will have to use their digital tokens on their mobile devices for authentication when they log into their bank account or mobile banking app.\u003C\u002Fp\u003E\u003Cp\u003ESingapore adopted OTPs in the 2000s as an MFA (\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fmulti-factor-authentication-how-to-enable-2fa-and-boost-your-security\u002F\" target=\"_blank\"\u003Emulti-factor authentication\u003C\u002Fa\u003E) option, but social engineering tactics have since grown more sophisticated. These have enabled scammers to more easily gain access to customers' OTPs via phishing attacks -- for example, through fraudulent bank websites created to resemble genuine ones. \u003C\u002Fp\u003E\u003Cp\u003ERetiring the use of OTPs will enhance the user authentication process and make it more difficult for scammers to access customer bank accounts and funds, without customers' explicit authorization through their mobile devices.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-banks-and-telcos-to-bear-losses-if-found-negligent-in-phishing-scams\u002F\" target=\"_blank\"\u003EPhishing attacks\u003C\u002Fa\u003E were among the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-struggles-with-scams-as-cybercrime-cases-keep-climbing\u002F\" target=\"_blank\"\u003Etop five scam\u003C\u002Fa\u003E categories last year in Singapore, accounting for SG$14.2 million ($10.52 million) lost through these scams, according to Singapore Police Force's (SPF) annual scams and cybercrime 2023 report.\u003C\u002Fp\u003E\u003Cp\u003ELocal banks have been working with MAS and law enforcement to implement \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-mandates-kill-switch-for-banks-as-safeguard-against-online-scams\u002F\" target=\"_blank\"\u003Emeasures\u003C\u002Fa\u003E that address this threat landscape, the industry regulator said.\u003C\u002Fp\u003E\u003Cp\u003E\"While they may give rise to some inconvenience, such measures are necessary to help prevent scams and protect customers,\" ABS director Ong-Ang Ai Boon said. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-defending-their-right-to-security-are-missing-the-point-about-consumer-trust\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EBanks defending their right to security are missing the point about consumer trust\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EMAS last October laid out a framework detailing \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-banks-and-telcos-to-bear-losses-if-found-negligent-in-phishing-scams\u002F\" target=\"_blank\"\u003Eparties that should be held responsible\u003C\u002Fa\u003E for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-phishing-how-to-protect-yourself-from-scam-emails-and-more\u002F\"\u003Ephishing scams\u003C\u002Fa\u003E, with banks and telcos taking on accountability first and foremost. \u003C\u002Fp\u003E\u003Cp\u003EScams and cybercrime cases in Singapore climbed 49.6% in 2023, with the number of cases hitting 50,376, up from 33,669 cases \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-hit-by-growing-cybercrimes-clocks-501m-in-losses-from-scams\u002F\"\u003Ein 2022\u003C\u002Fa\u003E. Scams accounted for 92.4% of overall cases, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-struggles-with-scams-as-cybercrime-cases-keep-climbing\u002F\" target=\"_blank\"\u003ESPF's numbers revealed\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003EThe police force works with various institutions, including fintech companies and cryptocurrency platforms, via its Anti-Scam Command office to freeze accounts and recover funds \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-banks-and-telcos-to-bear-losses-if-found-negligent-in-phishing-scams\u002F\"\u003Eto reduce losses\u003C\u002Fa\u003E. More than 19,600 bank accounts were frozen in 2023 based on investigations by the Anti-Scam Command Centre, recovering more than SG$100 million. \u003C\u002Fp\u003E\u003Cp\u003EThe center also works with local telcos and e-commerce platforms on anti-scam measures, terminating more than 9,200 mobile lines and 29,200 WhatsApp lines in 2023 that were suspected of being used in scams. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"6765f19d-41fe-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F6765f19d-41fe-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-07-10 14:54:00",timezone:"UTC",updated:c,published:c},description:"The move to phase out OTP authentication is part of efforts by Singapore's financial institutions to safeguard against phishing.",filterKey:"54481b4c-9a97-44fa-8e6a-a6f7db8f7dc7",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"ca38fc95-e98d-401b-8586-a5382aa80d5c",image:{id:"aa44a0b2-71f8-464e-a3d0-87a415f9bbcf",filename:"security-otp-hirun072024.jpg",dateCreated:{created:c,date:"2024-07-09 07:13:36",timezone:"UTC",updated:c,published:c},alt:"OTP on phone with laptop in background",credits:"hirun\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F07\u002F09\u002Faa44a0b2-71f8-464e-a3d0-87a415f9bbcf\u002Fsecurity-otp-hirun072024.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2119,height:1415,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"3-banks-plan-to-retire-one-time-passwords-for-customers-with-digital-tokens",startYear:c,summary:b,title:"3 banks plan to retire one-time passwords for customers with digital tokens",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0fe9b07a-ec91-11e3-95d2-02911863765e",slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"f4022b9c-91a0-4649-9df7-7ded27a568a4\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Credit: OCBC\" data-image-alt-text=\"ocbc-securities-oscar042024\" data-image-filename=\"ocbc-securities-oscar042024.jpg\" data-image-date-created=\"2024\u002F06\u002F18\" data-image-width=\"8256\" data-image-height=\"5504\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EOCBC has introduced a stock picker tool powered by an artificial intelligence (AI) engine that is trained on data from stock exchanges across three global markets, including Hong Kong and the US. \u003C\u002Fp\u003E\u003Cp\u003ECalled A.I. Oscar, the AI platform was trained with data from 4,000 stocks listed on the Singapore Stock Exchange, Hong Kong Exchange, NASDAQ, New York Stock Exchange, and NYSE American. The data spans more than 10 years' worth of stock fundamentals, macroeconomic factors, market patterns, and technical indicators related to the stocks, according to OCBC Securities, the brokerage subsidiary of Singapore bank OCBC. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-in-singapore-begin-sharing-data-to-combat-financial-crime\u002F\"\u003EBanks in Singapore begin sharing data to combat financial crime\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EThe training data is updated daily to keep the AI platform current and continuously finetuned by \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-bank-sets-up-unit-to-drive-in-house-ai-development\u002F\" target=\"_blank\"\u003EOCBC's team of data scientists\u003C\u002Fa\u003E and trading strategists, who assess the latest AI modeling techniques to improve A.I. Oscar's prediction accuracy and market understanding, OCBC said. \u003C\u002Fp\u003E\u003Cp\u003EIt added that the AI tool can predict stock price movements and generate stock picks based on the user's personal risk profile and trading patterns. This includes the investor's past trading activities and demographic data. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe tool then analyzes the data to generate a list of 15 stocks each week, curated from exchanges in the three global markets, which are the top three in which OCBC Securities' customers trade. \u003C\u002Fp\u003E\u003Cp\u003E\"This personalization allows investors to filter stocks that are highly likely to meet their trading preferences and criteria, and to immediately act on the idea by making a trade,\" the bank said. \u003C\u002Fp\u003E\u003Cp\u003EIt added that the AI tool was first piloted based on Singapore stocks between last October and this April before it was expanded to include the US and Hong Kong markets.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbank-cio-we-dont-need-ai-pros-we-need-critical-thinkers-to-challenge-ai\u002F\"\u003EBank CIO: We don't need AI whizzes, we need critical thinkers to challenge AI\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EA.I. Oscar is offered as a free service for OCBC Securities' customers via the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Focbc-integrates-voice-command-service-with-banking-app\u002F\" target=\"_blank\"\u003EiOCBC mobile app\u003C\u002Fa\u003E, iOCBC online trading platform, and email.\u003C\u002Fp\u003E\u003Cp\u003EThe bank is hoping the launch will help triple the number of active customers aged under 35, over the next three years. Some 97% of all trades made by this customer segment last year were processed through digital platforms, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fnearly-50-of-people-want-an-ai-clone-to-do-this-for-them\u002F\" target=\"_blank\"\u003Ebypassing advice or guidance from a human\u003C\u002Fa\u003E broker. \u003C\u002Fp\u003E\u003Cp\u003EIn addition, young investors opened more than half of all new trading accounts in 2023, OCBC said, noting that A.I. Oscar is targeted as a tool for customers who lean toward self-directed investing. \u003C\u002Fp\u003E\u003Cp\u003EOCBC said that trading activities among investors aged under 35 climbed by 50% during the pilot, compared to the months before the trial last year.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002F6-ways-ai-can-help-launch-your-next-business-venture\u002F\"\u003E6 ways AI can help launch your next business venture\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"Unlike rule-based models that make decisions based on a set of pre-determined criteria, A.I. Oscar identifies patterns in data to create dynamic prediction parameters,\" OCBC said. The platform is powered by deep learning algorithms that tap neural network models, the bank said. \u003C\u002Fp\u003E\u003Cp\u003EOCBC Securities' managing director Wilson said: \"Investors already have access to a wide range of information, but the challenge lies in being able to find the information relevant to them and to distill it into an actionable trading idea. Being able to do so quickly is especially important in today's fast-paced world. A.I. Oscar addresses this need, and we expect it to become an indispensable tool, especially for digitally savvy young investors who prefer the self-service model.\"\u003C\u002Fp\u003E\u003Cp\u003EThe AI tool's ability to generate stock ideas also provides a starting point for discussions between the bank's trading agents and customers, he said. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"c1c64b97-f918-4f5b-acae-43981f87d8e6\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fc1c64b97-f918-4f5b-acae-43981f87d8e6\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-06-18 18:22:24",timezone:"UTC",updated:c,published:c},description:"Trained on data from stock exchanges in three markets, the Singapore bank's AI platform predicts price movements and generates stock picks based on a user's personal risk profile and trading patterns.",filterKey:"54481b4c-9a97-44fa-8e6a-a6f7db8f7dc7",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"a181d2ee-44b1-49a7-8e6e-cb73d345e311",image:{id:"f4022b9c-91a0-4649-9df7-7ded27a568a4",filename:"ocbc-securities-oscar042024.jpg",dateCreated:{created:c,date:"2024-06-18 06:05:46",timezone:"UTC",updated:c,published:c},alt:"ocbc-securities-oscar042024",credits:"Credit: OCBC",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F06\u002F18\u002Ff4022b9c-91a0-4649-9df7-7ded27a568a4\u002Focbc-securities-oscar042024.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:8256,height:5504,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Innovation^Artificial Intelligence",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"banks-ai-tool-identifies-stock-buys-based-on-users-risk-appetite",startYear:c,summary:b,title:"Bank's AI tool identifies stock buys based on user's risk appetite",topic:{id:"3414bf30-82eb-4a6a-a561-f193482f1643",slug:"artificial-intelligence",name:"Artificial Intelligence",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"3414bf30-82eb-4a6a-a561-f193482f1643",slug:"artificial-intelligence",name:"Artificial Intelligence",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0fe9b07a-ec91-11e3-95d2-02911863765e",slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1147b242-ec91-11e3-95d2-02911863765e",slug:"smartphones",name:"Smartphones",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"9d3e6108-0023-11e4-95d2-02911863765e",slug:"innovation",name:"Innovation",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EThe Monetary Authority of Singapore (MAS) and six banks have launched COSMIC, a \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-data-platform-will-help-banks-share-criminal-intelligence\u002F\" target=\"_blank\"\u003Ecommon data platform\u003C\u002Fa\u003E to let financial institutions exchange insights on possible financial crime activities. DBS, UOB, Standard Chartered, Citibank, and HSBC have begun sharing customer information carrying \"red flags\" so they can warn each other of potential financial crime, such as money laundering and terrorism financing, MAS said. \u003C\u002Fp\u003E\u003Cp\u003EThe six banks will only share data if the customer's profile or behavior exhibits \"certain objectively-defined indicators of suspicion,\" the central bank said in a statement on Monday. COSMIC is supposed to plug gaps where financial institutions are unable to alert each other about unusual activities involving their customers due to confidentiality requirements.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-banks-and-telcos-to-bear-losses-if-found-negligent-in-phishing-scams\u002F\" target=\"_blank\"\u003ESingapore wants banks and telcos to bear losses if found negligent in phishing scams\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EIn May 2023, Singapore \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-data-platform-will-help-banks-share-criminal-intelligence\u002F\" target=\"_blank\"\u003Eproposed amendments to its Financial Services and Markets Bill\u003C\u002Fa\u003E to facilitate the sharing of data and establish the legal framework to do so via the data platform. These amendments have kicked in with the launch of COSMIC, according to MAS. The bill sets out policies and operational guidelines to which participants must adhere to safeguard the confidentiality of the shared data.\u003C\u002Fp\u003E\u003Cp\u003E\"This will allow participant financial institutions to share information on potential criminal behavior, while safeguarding the interests of the vast majority of customers who are legitimate,\" MAS said. \"Customers are encouraged to continue to provide timely responses if requested by financial institutions to provide clarifications on their risk profiles or transactions, so that financial institutions can make informed risk assessments.\"\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe six banks will share information on a voluntary basis, focusing on three commercial banking crime risks: the misuse of legal persons, trade finance for illicit purposes, and proliferation financing, which encompasses the moving or raising of funds and assets to support the proliferation of weapons of mass destruction.\u003C\u002Fp\u003E\u003Cp\u003ELast year, MAS said COSMIC would be operational in H2 2024, after the six banks had started sharing data. This additional time is designated for finetuning features and resolving operational issues before the platform is fully operational. MAS also plans to expand data platform access to more financial institutions and add more risk areas, making data sharing mandatory in higher-risk situations.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-04-01 20:34:13",timezone:"UTC",updated:c,published:c},description:"Six banks will share customer data deemed suspicious in a bid to fight money laundering and terrorism financing activities.",filterKey:"54481b4c-9a97-44fa-8e6a-a6f7db8f7dc7",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"8ea1624e-b796-4fc3-9ec0-698d18857839",image:{id:"31533fa5-2e59-44f2-94c5-4603d9695bae",filename:"global-data-gettyimages-1337196402.jpg",dateCreated:{created:c,date:"2024-01-19 16:32:07",timezone:"UTC",updated:c,published:c},alt:"global-data-gettyimages-1337196402",credits:"Yuichiro Chino\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F01\u002F19\u002F31533fa5-2e59-44f2-94c5-4603d9695bae\u002Fglobal-data-gettyimages-1337196402.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"banks-in-singapore-begin-sharing-data-to-combat-financial-crime",startYear:c,summary:b,title:"Banks in Singapore begin sharing data to combat financial crime",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0fe9b07a-ec91-11e3-95d2-02911863765e",slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"0feec2d0-ec91-11e3-95d2-02911863765e",slug:"big-data",name:"Big Data",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0a6fffc2-2220-44ba-99e4-4c567f6f57bb",username:"maria-diaz-zd",profileUrl:c,email:c,firstName:"Maria",lastName:"Diaz",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"d89921b7-c002-40ef-8401-f002f1a769e9",filename:"maria-diaz.jpg",dateCreated:{created:c,date:"2022-08-05 14:44:33",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002Fd89921b7-c002-40ef-8401-f002f1a769e9\u002Fmaria-diaz.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Maria Diaz is a staff writer based in the Raleigh-Durham, NC area with a passion for home automation and a background in graphic design, photography, and filmmaking. She has a bachelor's in Mass Communication and experience in journalism.",profile:c,title:"Staff Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EBudgeting can be challenging, but with many Americans living paycheck-to-paycheck, it's a necessary evil for most of us. What that budget looks like, however, is different for everyone. Budget apps simplify the process by helping you track your spending, reach financial goals, and even lower your debt.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-early-black-friday-deals-amazon-walmart-best-buy-and-more\u002F\"\u003EBest early Black Friday deals: Amazon, Walmart, Best Buy, and more\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EWith \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Fhome-and-office\u002Fintuit-kills-mint-and-personal-finance-app-users-are-unhappy\u002F\" target=\"_blank\"\u003EIntuit shutting down Mint\u003C\u002Fa\u003E, one of the most popular budget apps, users are looking for alternatives. If you're a former Mint user or simply looking to be budget-conscious ahead of the Black Friday shopping craze this holiday season, we've rounded up the best budget apps available today. \u003C\u002Fp\u003E\u003Ch2\u003EThe best budget apps of 2023\u003C\u002Fh2\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"67aebe55-f637-44cc-a1c2-03505144cb7c\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E No free version, 30-day free trial&nbsp;| \u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E Must purchase plan to use | \u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E $15\u002Fmonth or $99\u002Fyear | \u003Cstrong\u003EExtra features:\u003C\u002Fstrong\u003E Bank account linking available\u003C\u002Fp\u003E\u003Cp\u003EAs one of the most popular budgeting apps, YNAB (why-nab) is a great choice for anyone looking to get serious about their personal finance, achieving savings goals, and wiping out debt. As a detailed budgeting tool, YNAB makes easy work of expense tracking in real-time thanks to the ability to link your bank accounts.\u003C\u002Fp\u003E\u003Cp\u003EOne downside is that YNAB requires a subscription to use it, as there is no free version of the app. YNAB gives users a 30-day free trial before charging the user for a subscription, a time in which the app claims to save users up to $200. After the 30-day trial period ends, users can pay $15\u002Fmonth or $99\u002Fyear for the app.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"You Need a Budget (YNAB)\" data-superlative=\"Best budget app overall\" data-imagegroup=\"{"alt":"You need a budget YNAB","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"1f027e2e-12ff-4201-bacc-72f9f1741108","title":"You need a budget YNAB","filename":"ynab.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F1f027e2e-12ff-4201-bacc-72f9f1741108\u002Fynab.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2278887,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:12:15","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:12:28","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"You need a budget YNAB","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"1f027e2e-12ff-4201-bacc-72f9f1741108","imageAltText":"You need a budget YNAB","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"ynab.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fyouneedabudget.a4xxmk.net\u002Fc\u002F159047\u002F741248\u002F10892?&sharedId=zdnet&u=https%3A%2F%2Fwww.ynab.com%2F&subId1=subid_value","offerMerchant":"YNAB","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.ynab.com\u002F","url":"https:\u002F\u002Fyouneedabudget.a4xxmk.net\u002Fc\u002F159047\u002F741248\u002F10892?&sharedId=zdnet&u=https%3A%2F%2Fwww.ynab.com%2F&subId1=subid_value"},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fynab-budgeting-finance\u002Fid1010865877","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.youneedabudget.evergreen.app&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\" data-like=\"Long free trial period~Loan calculator~Compatible with many banks\" data-dislike=\"Must purchase plan~No bill-paying capabilities\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"88b8754d-fa64-422b-81d3-03a81632136a\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E Bank account linking, balance alerts, subscription flagger, spending tracker&nbsp;|&nbsp;\u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E&nbsp;Subscription cancellation assistant, money expert advice, bill negotiation, savings account, and credit card&nbsp;|&nbsp;\u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E&nbsp;$3-$12\u002Fmonth or $36-$144\u002Fyear |&nbsp;\u003Cstrong\u003EExtra features:\u003C\u002Fstrong\u003E&nbsp;Sliding scale subscription cost\u003C\u002Fp\u003E\u003Cp\u003ERocket Money is a budget app that tracks subscriptions and bills and helps you identify potential savings in your recurrent expenses for free. It lets users link accounts and flags subscriptions for you, making it easy to cancel the ones you no longer need. The Rocket Money app also reminds you of due bills to prevent late payments and features a spending tracker for financial budgeting.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe Rocket Money app is free for budgeting and spotting unnecessary subscriptions but there is a Premium subscription that gives users access to bill negotiation, a cancellations assistant to cancel those subscriptions for you,&nbsp;and more. The Premium subscription is available for a variable cost that ranges from $3 to $12 monthly.\u003C\u002Fp\u003E\" data-hed=\"Rocket Money\" data-superlative=\"Best free budget app\" data-imagegroup=\"{"alt":"Rocket Money","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"65e12395-fb07-415b-915f-798ea57e3665","title":"Rocket Money","filename":"rocke.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F65e12395-fb07-415b-915f-798ea57e3665\u002Frocke.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2308087,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:20:25","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:20:34","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Rocket Money","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"65e12395-fb07-415b-915f-798ea57e3665","imageAltText":"Rocket Money","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"rocke.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Frocketmoney.sjv.io\u002Fc\u002F159047\u002F616684\u002F10034?&sharedId=zdnet&u=https%3A%2F%2Fwww.rocketmoney.com%2F&subId1=subid_value","offerMerchant":"Rocket Money","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.rocketmoney.com\u002F","url":"https:\u002F\u002Frocketmoney.sjv.io\u002Fc\u002F159047\u002F616684\u002F10034?&sharedId=zdnet&u=https%3A%2F%2Fwww.rocketmoney.com%2F&subId1=subid_value"},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Frocket-money-bills-budgets\u002Fid1130616675","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.truebill&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\" data-like=\"Bill negotiations~Sync all of your accounts~Sliding scale pricing\" data-dislike=\"Limited features with free plan option\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"db41312c-45b7-4852-9383-d7add6ce62b1\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E Envelope budgeting and transaction tracking; limit 20 envelopes&nbsp;|&nbsp;\u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E&nbsp;Unlimited envelopes, support for up to five devices, &nbsp;|&nbsp;\u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E&nbsp;$8\u002Fmonth or $70\u002Fyear&nbsp;| where are you make a good very good for you it's like\u003C\u002Fp\u003E\u003Cp\u003EAs a mom of three who enjoys a good budget (pun intended) with both spreadsheets and pen and paper, Goodbudget is one of my favorite apps. Goodbudget strips down the bells and whistles of a traditional budgeting app in favor of a straightforward approach that multiple household members can see and manage.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EGoodbudget has you allocate funds into digital envelopes, just like you'd put physical cash into paper envelopes. The budget can be set according to the user's individual needs and how often income comes in, and the user categorizes different expenses and sets a budget for each one.\u003C\u002Fp\u003E\u003Cp\u003EFor example, if we typically spend $180 on gas monthly, I create a $200 digital envelope in Goodbudget labeled Gas, to account for any pricing fluctuations. Whatever isn't used, I can "sweep" into savings or debt repayment.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Goodbudget\" data-superlative=\"Best budget app for the envelope method\" data-imagegroup=\"{"alt":"Goodbudget","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"1d6e0536-b804-4ad9-aaa1-c4124a00083e","title":"Goodbudget","filename":"goodb.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F1d6e0536-b804-4ad9-aaa1-c4124a00083e\u002Fgoodb.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2519060,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:25:13","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:25:19","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Goodbudget","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"1d6e0536-b804-4ad9-aaa1-c4124a00083e","imageAltText":"Goodbudget","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"goodb.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fgoodbudget-budget-planner\u002Fid471112395","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.dayspringtech.envelopes&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Goodbudget","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fgoodbudget.com\u002F","url":""}]\" data-usepricing=\"true\" data-like=\"Smart reporting~Affordable plan~Compatible with several devices\" data-dislike=\"Must manually log items~Paid plan has the best features\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c2018f22-0ecf-41fa-8bab-320d2fd25008\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E&nbsp;Does have ads | \u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E No subscriptions | \u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E Free | \u003Cstrong\u003EExtra features:\u003C\u002Fstrong\u003E Bank account linking, messaging, joint banking account\u003C\u002Fp\u003E\u003Cp\u003EHoneydue is a free app that is specifically designed for two people managing budgets together, which could help when couples and young families are building a shared financial picture. The fact that Honeydue is free means couples who don't want to invest in a budgeting app don't have to, though the app does have ads.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe Honeydue app lets users link their bank accounts for real-time expense tracking, like Mint and other budget apps do, but it also has an in-app chat that lets the couple discuss finances without switching to a messaging app.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThere's also the option to open a joint bank account with a debit card that features no monthly fees or minimum deposit requirements.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Honeydue\" data-superlative=\"Best budget app for couples\u002Ffamilies\" data-imagegroup=\"{"alt":"Honeydue","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"cdd5b9c1-4729-4589-8512-604cffe190b8","title":"Honeydue","filename":"honeydue.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002Fcdd5b9c1-4729-4589-8512-604cffe190b8\u002Fhoneydue.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2259598,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:40:30","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:40:38","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Honeydue","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"cdd5b9c1-4729-4589-8512-604cffe190b8","imageAltText":"Honeydue","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"honeydue.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Honeydue","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.honeydue.com\u002F","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apps.apple","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fhoneydue-couples-finance\u002Fid1157633945","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Play.google","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.honeydue.honeydue&hl=en&pcampaignid=MKT-Other-global-all-co-prtnr-py-PartBadge-Mar2515-1&pli=1","url":""}]\" data-usepricing=\"true\" data-like=\"~Free to use ~Joint banking account ~In-app messaging with partner\" data-dislike=\"~Few savings\u002Ffinancial goals abilities ~There are ads\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"97d358b6-1b9c-4e90-8b03-f36235959cc4\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree\u003C\u002Fstrong\u003E\u003Cstrong\u003E version:\u003C\u002Fstrong\u003E Basic budgeting features |\u003Cstrong\u003E Paid version:\u003C\u002Fstrong\u003E&nbsp;Debt payoff plan, unlimited budgets, extended transaction history&nbsp; | \u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E $8\u002Fmonth, $35\u002Fyear, $80\u002Flifetime&nbsp;|\u003Cstrong\u003E Extra features:\u003C\u002Fstrong\u003E Pie chart reports for free and paid users, "In My Pocket" tracker\u003C\u002Fp\u003E\u003Cp\u003EUtilizing smart algorithms to manage and track spending, PocketGuard takes a modern approach to budgeting. The app monitors your bills, helping to remind you ahead of missing payments. True to its name, Pocketguard's built-in anti-fraud feature helps to keep track and alerts you of suspicious spending trends.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWith the "In My Pocket" (IMP) feature, the app automatically calculates monthly expenses and then notifies you of any leftover funds.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWhile you don't have to pay to use PocketGuard, you must subscribe if you want to access all of the best features.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"PocketGuard\" data-superlative=\"Best budget app for overspenders\" data-imagegroup=\"{"alt":"PocketGuard","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"69c262c1-fd32-4d61-b4f6-25317291a0e3","title":"PocketGuard","filename":"pocketguard.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F69c262c1-fd32-4d61-b4f6-25317291a0e3\u002Fpocketguard.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":1625464,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:46:16","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:46:24","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"PocketGuard","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"69c262c1-fd32-4d61-b4f6-25317291a0e3","imageAltText":"PocketGuard","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"pocketguard.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fpocketguard-money-budgeting\u002Fid949414211","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.pocketguard.android.app&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Pocketgaurd","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fpocketguard.com\u002F","url":""}]\" data-usepricing=\"true\" data-like=\"Suspicious transactions monitoring~Debt payoff plan~Negotiate interest rates\" data-dislike=\"Paid plan for best features~Lower Google Play Store rating\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c1a419c1-19af-4522-8912-48381505968d\" data-edition=\"us\" data-description=\"\u003Cp\u003EYNAB is our pick for the best budgeting app because it combines many features and is easy to use. However, that doesn't make YNAB the best budget app for everyone. Rocket Money is a top choice for anyone looking to save some cash, thanks to its sliding scale of pricing and expansive services. Here's how the apps we looked into stack up:&nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EBudgeting app\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EZDNET's take\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003ECost\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EApp Store Rating\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EGoogle\u003C\u002Fstrong\u003E\u003Cstrong\u003E Play\u003C\u002Fstrong\u003E\u003Cstrong\u003E Rating\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EYou\u003C\u002Fstrong\u003E\u003Cstrong\u003E need a\u003C\u002Fstrong\u003E\u003Cstrong\u003E budget\u003C\u002Fstrong\u003E\u003Cstrong\u003E (YNAB)\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest budget app overall\u003C\u002Ftd\u003E\u003Ctd\u003E$15\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.80\u003C\u002Ftd\u003E\u003Ctd\u003E4.7\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003ERocket Money\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest free budget app\u003C\u002Ftd\u003E\u003Ctd\u003EFree or $3-$12\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.30\u003C\u002Ftd\u003E\u003Ctd\u003E4.4\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EGoodbudget\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for the envelope method\u003C\u002Ftd\u003E\u003Ctd\u003EFree or $8\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.60\u003C\u002Ftd\u003E\u003Ctd\u003E4.2\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EHoneydue\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for couples\u003C\u002Ftd\u003E\u003Ctd\u003EFree with ads\u003C\u002Ftd\u003E\u003Ctd\u003E4.50\u003C\u002Ftd\u003E\u003Ctd\u003E3.3\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EPocketGuard\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for overspenders\u003C\u002Ftd\u003E\u003Ctd\u003EFree or $8\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.70\u003C\u002Ftd\u003E\u003Ctd\u003E3.7\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"What is the best budget app?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"cc870d10-dedf-4cdd-b35f-509c47cc3b42\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe right budget app for you will depend on how you want to budget, whether you want specific features like bill negotiations or credit scores, whether you have a single or combined checking account, and what price you're willing to spend per month for a subscription.\u003C\u002Fp\u003E\u003Cp\u003EBelow, I've broken down the options further.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EChoose this budget\u003C\u002Fstrong\u003E\u003Cstrong\u003E app...\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EIf\u003C\u002Fstrong\u003E\u003Cstrong\u003E you...\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EYou\u003C\u002Fstrong\u003E\u003Cstrong\u003E need a\u003C\u002Fstrong\u003E\u003Cstrong\u003E budget\u003C\u002Fstrong\u003E (\u003Cstrong\u003EYNAB\u003C\u002Fstrong\u003E)\u003C\u002Ftd\u003E\u003Ctd spellcheck="false"\u003EAre committed to creating and achieving your ideal financial budget. Its free trial lasts 30 days, so you can try it out for a month before subscribing.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003ERocket\u003C\u002Fstrong\u003E\u003Cstrong\u003E Money\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EWant great options for free or a lower price. The app can handle bill negotiations for you to get you lower prices on what you pay monthly.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EGoodbudget\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd spellcheck="false"\u003EPrefer budgeting using the envelope method. You can sync your budget(s) across multiple users&nbsp;and devices.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EHoneydue\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd spellcheck="false"\u003EWould like to include your partner in your financial planning. Track expenses together and message in-app to discuss spending.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EPocketGuard\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EWant to track your spending. It has a debt payoff plan to get you back on track.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Which is the right budget app for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"280b4abe-1ff6-479d-8ac4-67c69fc92667\" data-edition=\"us\" data-description=\"\u003Cp\u003EChoosing the best budget apps on this list involved a lot of testing and creating many accounts in different apps to compare their features and test their performance. Here are some ways you can narrow down your choices to decide which is best for you:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EFinancial needs:\u003C\u002Fstrong\u003E Consider not only your individual financial needs but also the goals you want to achieve. Do you want to track daily expenses and build an emergency fund? Or are you trying to cut expenses and pay down debt? Are you planning for a big life event you want to save for, like buying a car or a house? These are all things you should consider, as they will shape how you use your budgeting app.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EEase of use:\u003C\u002Fstrong\u003E It's worth testing out different options to determine which user interface you prefer in a budget app. I've been a committed budgeter for years, yet I don't like using the apps that link my bank account, so I prefer apps like Goodbudget, even if I don't use the envelope method in real life. I also like the data that PocketGuard offers, so I have a visual picture of my spending habits. If you like an app that links to your financial account in real time, then you'd do great with other apps like YNAB or Honeydue.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFees:\u003C\u002Fstrong\u003E Budgeting apps often charge a fee for their services, whether it is an upfront fee or an ongoing monthly or annual fee. Be sure to review all fees in advance, so you can be sure that you choose the right service for your needs.&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"How did we choose these budgeting apps?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e338db83-da68-4ce6-9398-b4683b088f84\" data-edition=\"us\" data-description=\"\u003Cp\u003EA budget&nbsp;app is a mobile service that typically allows you to track your spending and increase your savings.&nbsp; You can typically sync your accounts to view a complete financial portrait, all within a single app. Here, you will find our picks for the best budgeting app for your financial needs.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is a budget app?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1a69d0be-f6af-4943-ad92-a9fed6d28064\" data-edition=\"us\" data-description=\"\u003Cp\u003ELike anything else, a budget&nbsp;app only works if you use it regularly. Many apps offer financial tools and resources that can help you reduce your debt and expand your financial worth by providing expense and other reports.\u003C\u002Fp\u003E\" data-hed=\"Do budgeting apps work?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"32024c0e-7557-470f-80fe-cb796334ee11\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are many finance apps available in the App Store or the Google Play Store. However, not all of them are legit or can successfully help you create a budget. Below, are some other trustworthy budget app options.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Are there alternative budget apps worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8d67aba4-0275-4e5c-acdf-5b975aee8be5\" data-edition=\"us\" data-description=\"\u003Cp\u003EView and pay your bills, manage spending, and plan ahead for tax season with Simplifi.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Simplifi by Quicken\" data-imagegroup=\"{"alt":"Simplifi by Quicken","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"645c2b30-681f-4aaa-a628-ad55875d2a1c","title":"Simplifi by 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Quicken","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"quicken.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-linktext=\"Best alternative for tax season prep\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fgo.shopyourlikes.com\u002Fpi\u002F680a238e877c5357a65ca20d54d1bfa0854d5c43?afId=614548&afCampaignId=subid_value&afCreativeId=2993&afPlacementId=2","offerMerchant":"Quicken","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.quicken.com\u002Fpersonal-finance\u002Fquicken-simplifi","url":"https:\u002F\u002Fgo.shopyourlikes.com\u002Fpi\u002F680a238e877c5357a65ca20d54d1bfa0854d5c43?afId=614548&afCampaignId=subid_value&afCreativeId=2993&afPlacementId=2"}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"7d1958af-eaf5-4624-976d-780578b41450\" data-edition=\"us\" data-description=\"\u003Cp\u003EEverydollar has features like paycheck planning, saving funds, group financial coaching, and more.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Everydollar\" data-imagegroup=\"{"alt":"Everydollar","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"b6d8a980-c131-4b4c-bc1b-3b051202c247","title":"Everydollar","filename":"every.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002Fb6d8a980-c131-4b4c-bc1b-3b051202c247\u002Fevery.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2474782,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 16:04:41","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 16:04:47","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Everydollar","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"b6d8a980-c131-4b4c-bc1b-3b051202c247","imageAltText":"Everydollar","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"every.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-linktext=\"Best alternative for those new to budgeting\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Everydollar","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.ramseysolutions.com\u002Framseyplus\u002Feverydollar","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"9e582cbb-ea75-4931-aa8d-7862826d093a\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you're looking for an&nbsp;app to help your kids learn how to create budgets and manage chores, BusyKid is a great choice.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"BusyKid\" data-imagegroup=\"{"alt":"BusyKid","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"6040a20a-4424-4d14-a35c-b72465980773","title":"BusyKid","filename":"busykid.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F6040a20a-4424-4d14-a35c-b72465980773\u002Fbusykid.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":3081689,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 16:05:11","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 16:05:18","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"BusyKid","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"6040a20a-4424-4d14-a35c-b72465980773","imageAltText":"BusyKid","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"busykid.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-linktext=\"Best alternative for parents\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Busykid","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fbusykid.com\u002F","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-11-13 19:49:00",timezone:"UTC",updated:c,published:c},description:"Mint may be gone, but there are still many great budget apps that promise to help you set financial goals and save money. We tested that promise to find out which are the best ones.",filterKey:"54481b4c-9a97-44fa-8e6a-a6f7db8f7dc7",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"c77e10c2-d0d1-417d-85e7-a107f681417d",image:{id:"3c394298-d95e-44c2-8bc9-d24bef52f01e",filename:"smart-apps-make-for-smarter-financial-planning-stock-photo.jpg",dateCreated:{created:c,date:"2023-11-10 16:09:57",timezone:"UTC",updated:c,published:c},alt:"Shot of a young man using a smartphone while going over his finances at home",credits:"Katleho Seisa via Getty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F3c394298-d95e-44c2-8bc9-d24bef52f01e\u002Fsmart-apps-make-for-smarter-financial-planning-stock-photo.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:8013,height:4508,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Tech^Services & Software",relatedItems:[]},name:b,promoTitle:"The best budgeting apps: Find the Mint alternative that's right for you",section:b,slug:"best-budget-app",startYear:c,summary:b,title:"The best budgeting apps of 2023",topic:{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0fe9b07a-ec91-11e3-95d2-02911863765e",slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:i,slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"9d3e6108-0023-11e4-95d2-02911863765e",slug:"innovation",name:"Innovation",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"cffffbb9-4216-4598-889e-16dcbf4da4ba",slug:"investing",name:"Investing",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"11e2ac47-e5d0-47c8-bc14-7db9da05c41d\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"IR_Stone\u002FGetty Images\" data-image-alt-text=\"Data center room\" data-image-filename=\"gettyimages-1475998284.jpg\" data-image-date-created=\"2023\u002F10\u002F16\" data-image-width=\"2211\" data-image-height=\"1355\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EEquinix has confirmed that a scheduled system upgrade at one of its data centers in Singapore affected the operations of several customers, including two banks. \u003C\u002Fp\u003E\u003Cp\u003EIt led to hours-long disruptions that left ATM and online banking services unavailable over the weekend. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fasian-banks-are-favorite-target-of-cybercooks-and-malicious-bots-their-preferred-tool\u002F\"\u003EAsian banks are a favorite target of cybercooks, and malicious bots their preferred tool\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EDBS Bank customers, who already had \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-bank-faces-regulatory-action-over-unacceptable-digital-service-outage\u002F\" target=\"_blank\"\u003Eexperienced multiple service disruptions\u003C\u002Fa\u003E in recent months, were unable to access various services on Saturday, including mobile banking and peer-to-peer funds transfer service, PayLah. The bank's ATMs also were down. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ECiti Singapore customers reported similar disruptions, with the bank confirming there were \"issues\" transacting with its ATMs, credit cards, and mobile app, among others. \u003C\u002Fp\u003E\u003Cp\u003EIn subsequent updates on its Facebook profile, DBS said the disruption was caused by an issue with its data center service provider, Equinix.\u003C\u002Fp\u003E\u003Cp\u003E\"We are doing our utmost to swing over to our backup data center and expect to progressively restore services,\" the bank said. By late night on Saturday, it posted an update to notify customers its ATMs had resumed operations, but some services such as its online services remained unavailable. \u003C\u002Fp\u003E\u003Cp\u003EIn an update Sunday morning, DBS said all its services were back up and running. The bank in \u003Ca href=\"https:\u002F\u002Fwww.dbs.com\u002Fnewsroom\u002FFirst_bank_in_Singapore_to_launch_new_cloud_based_data_centre\" target=\"_blank\"\u003E2017 partnered with Equinix\u003C\u002Fa\u003E to move its main data center to smaller \"cloud-optimized\" premises, enabling DBS' to run the facility at 75% cheaper. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fai-and-data-honing-hyper-personalization-to-build-the-bank-of-the-future\u002F\"\u003EAI and data: Honing hyper-personalization to build the bank of the future\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EZDNET contacted Equinix with questions regarding the service disruption, including why its failover measures and secondary site were unable to prevent the incident, and how many organizations were impacted. \u003C\u002Fp\u003E\u003Cp\u003EIn an email response, an Equinix spokesperson said: \"On Oct. 14, a technical issue with the chilled water system occurred during a planned system upgrade at one of our data centers in Singapore. This raised the temperatures in some of the halls in the data center and impacted some customer's operations. The technical issue has been resolved and we are in contact with impacted customers.\"\u003C\u002Fp\u003E\u003Cp\u003EThe spokesperson said the vendor currently is \"thoroughly investigating\" the incident and will offer more details when these are available. \u003C\u002Fp\u003E\u003Cp\u003EEquinix operates \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fequinix-plans-fifth-singapore-data-centre-as-cloud-demand-climbs\u002F\" target=\"_blank\"\u003Efive data centers in Singapore\u003C\u002Fa\u003E, expanding its \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fequinix-expands-singapore-data-centre-with-86m-investment\u002F\" target=\"_blank\"\u003Efifth last year with an investment of $86 million\u003C\u002Fa\u003E that it said would better meet the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-heats-up-data-centers-with-operating-standards-for-tropical-climates\u002F\" target=\"_blank\"\u003Ecountry's goals\u003C\u002Fa\u003E to have more \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-only-data-centres-that-are-efficient\u002F\" target=\"_blank\"\u003Eefficient facilities\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-10-16 14:58:23",timezone:"UTC",updated:c,published:c},description:"A glitch in a scheduled 'chilled water system' upgrade disrupted operations for Equinix's data center customers, including two banks in Singapore.",filterKey:"54481b4c-9a97-44fa-8e6a-a6f7db8f7dc7",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"a4e5c01c-2de6-438f-942c-206ba4a72a55",image:{id:"11e2ac47-e5d0-47c8-bc14-7db9da05c41d",filename:"gettyimages-1475998284.jpg",dateCreated:{created:c,date:"2023-10-16 14:27:46",timezone:"UTC",updated:c,published:c},alt:"Data center room",credits:"IR_Stone\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F10\u002F16\u002F11e2ac47-e5d0-47c8-bc14-7db9da05c41d\u002Fgettyimages-1475998284.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2211,height:1355,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Business^Data Centers",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"equinixs-data-center-system-upgrade-results-in-hours-long-disruption-at-banks",startYear:c,summary:b,title:"Equinix's data center system upgrade results in hours-long disruption at banks",topic:{id:"10279ab0-ec91-11e3-95d2-02911863765e",slug:"data-centers",name:"Data Centers",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"10279ab0-ec91-11e3-95d2-02911863765e",slug:"data-centers",name:"Data Centers",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0fe9b07a-ec91-11e3-95d2-02911863765e",slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"66a8df34-bb8f-4db7-9e72-03aa68123341\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Andrew Brookes\u002FGetty Images\" data-image-alt-text=\"colorful laptop\" data-image-filename=\"gettyimages-1506307783.jpg\" data-image-date-created=\"2023\u002F09\u002F28\" data-image-width=\"2000\" data-image-height=\"1500\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EFinancial institutions are hot favorites among cybercriminals, with those in Asia-Pacific among the most targeted by malicious bot requests and API (application programming interface) attacks. \u003C\u002Fp\u003E\u003Cp\u003EMalicious bot traffic in \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fasia-most-targeted-region-in-2021-taking-on-one-in-four-cybersecurity-attacks\u002F\" target=\"_blank\"\u003EAsia-Pacific including Japan\u003C\u002Fa\u003E climbed 128% from last year, as hackers turned to bots for scale, efficiency, and impact. The region was the second-most targeted for malicious bot requests against financial services, accounting for 39.7% of the global total volume, according to Akamai's latest State of the Internet report. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-data-platform-will-help-banks-share-criminal-intelligence\u002F\"\u003EThis data platform will help banks share criminal intelligence\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003ESuch attacks include website scraping to impersonate websites of financial services providers for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fransomware-and-phishing-attacks-continue-to-plague-businesses-in-southeast-asia\u002F\" target=\"_blank\"\u003Ephishing scams\u003C\u002Fa\u003E, as well as credential stuffing, during which user credentials such as usernames and passwords are stolen via automated injections to take over accounts. \u003C\u002Fp\u003E\u003Cp\u003EAsia-Pacific Japan also saw a 36% increase in web application and \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fai-gold-rush-makes-basic-data-security-hygiene-critical\u002F\" target=\"_blank\"\u003EAPI attacks\u003C\u002Fa\u003E, clocking more than 3.7 billion attacks over the past year. Local file inclusion, where vulnerabilities in web servers or applications are exploited to gain access to files stored locally, remains the top attack vector, accounting for 63.2% of all attacks. Cross-site scripting was the second-most popular vector, accounting for 21.3% of all attacks, followed by PHP injection at 6.32%. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe Akamai report noted that 92.3% of attacks against the region's financial sector were directed toward banks.\u003C\u002Fp\u003E\u003Cp\u003EThe sector also bore half of all web application and API attacks in Asia-Pacific Japan, followed by the commerce sector at 19.99% and social media at 8.3%. \u003C\u002Fp\u003E\u003Cp\u003EGlobal financial hubs Australia, Singapore, and Japan were the top three most targeted countries in the region, collectively taking on more than three-quarters of all web application and API attacks. \u003C\u002Fp\u003E\u003Cp\u003EAkamai noted that financial services institutions will face increasing risks as they expand their digital footprint to gain competitive ground and reach more customers. As it is, 40% of scripts used by these organizations are \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fapac-firms-need-to-build-trust-brace-for-more-third-party-attacks\u002F\" target=\"_blank\"\u003Ethird-party\u003C\u002Fa\u003E in nature, as they work to develop more channels and improve customer experience. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-security-key\u002F\"\u003EThe best security keys\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"[The region's] financial services sector is one of the most innovative and competitive in the world, [with] financial institutions increasingly turning to third-party scripts to quickly add new offerings, features, and interactive experiences for customers,\" said Reuben Koh, Akamai's Asia-Pacific Japan security technology and strategy director. \u003C\u002Fp\u003E\u003Cp\u003E\"However, businesses usually have limited visibility into the authenticity and potential vulnerabilities of these scripts, introducing yet another layer of risk to the business,\" Koh said. \"Due to this limited visibility of risky third-party scripts, threat actors now have yet another vector to launch attacks against banks and their customers.\"\u003C\u002Fp\u003E\u003Cp\u003EHe noted that with the growing popularity of financial aggregators and companies adopting open banking practices, the sector will be increasingly dependent on the use of APIs and third-party scripts. This will further \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ffirms-fear-software-stack-breach-as-attack-surface-widens\u002F\" target=\"_blank\"\u003Ewiden attack surfaces\u003C\u002Fa\u003E, he cautioned. \u003C\u002Fp\u003E\u003Cp\u003E\"Financial institutions must focus on securing new digital offerings, continuously educating \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-citizens-to-arm-up-take-accountability-for-personal-cyber-hygiene\u002F\" target=\"_blank\"\u003Ecustomers on cyber hygiene\u003C\u002Fa\u003E best practices, and investing in frictionless security measures for users,\" he added. \"As \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-tightens-cyber-defence-guidelines-for-financial-services-sector\u002F\" target=\"_blank\"\u003Eregulators enforce policies to strengthen\u003C\u002Fa\u003E cybersecurity standards, it is also important for financial services organizations to understand and \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-moots-bill-to-slap-banks-with-higher-fines-for-security-breach\u002F\" target=\"_blank\"\u003Eaccount for new compliance requirements\u003C\u002Fa\u003E while strengthening their security posture and cyber resilience against modern cyber threats.\"\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-vpn\u002F\"\u003EThe best VPN services right now: Expert tested and reviewed\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003ESingapore is among the regulators that have taken steps to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-wants-all-critical-infrastructures-to-be-ready-for-cyber-threats\u002F\" target=\"_blank\"\u003Ebeef up the digital defense of critical information infrastructures\u003C\u002Fa\u003E, including the financial sector. It \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-pushed-to-introduce-security-measures-amidst-online-banking-scams\u002F\" target=\"_blank\"\u003Eintroduced security measures\u003C\u002Fa\u003E over the past year, following a \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-must-clamp-down-on-security-inertia-before-digital-banking-era-can-take-off\u002F\" target=\"_blank\"\u003Eseries of phishing SMS scams\u003C\u002Fa\u003E that had wiped out victims' life savings. \u003C\u002Fp\u003E\u003Cp\u003ESuch measures included the need for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-to-tag-unregistered-sms-senders-as-likely-scam\u002F\"\u003ESMS service providers to check against a registry\u003C\u002Fa\u003E before sending through messages and for banks to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-mandates-kill-switch-for-banks-as-safeguard-against-online-scams\u002F\" target=\"_blank\"\u003Eprovide a \"kill switch\"\u003C\u002Fa\u003E, allowing customers to quickly suspend their accounts should they suspect a security breach.\u003C\u002Fp\u003E\u003Ch3\u003EMore Singapore banks roll out anti-malware feature\u003C\u002Fh3\u003E\u003Cp\u003EMore recently, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbanks-defending-their-right-to-security-are-missing-the-point-about-consumer-trust\u002F\" target=\"_blank\"\u003ESingapore banks began introducing\u003C\u002Fa\u003E an anti-malware feature that locks out account access if mobile apps downloaded from unofficial app stores are detected on the user's device. OCBC, which was involved in the phishing scams, was the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-banks-new-app-security-feature-irks-customers\u002F\" target=\"_blank\"\u003Efirst to launch the feature\u003C\u002Fa\u003E last month, but took on some backlash when customers found themselves unable to access their accounts despite only having downloaded legitimate apps onto their devices. \u003C\u002Fp\u003E\u003Cp\u003ETwo other local banks -- DBS and UOB -- this week followed suit, rolling out the anti-malware security feature, restricting customers' access to their respective banking apps if apps from third-party and unauthorized sites are detected. Permission settings deemed \"risky\" that have been enabled on the user's device also will result in restricted access.\u003C\u002Fp\u003E\u003Cp\u003EIn all cases, customers will have to disable such permission settings or uninstall apps identified as unauthorized before they can access their bank's app or digital services.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fai-trust-and-data-security-are-key-issues-for-finance-firms-and-their-customers\u002F\"\u003EAI, trust, and data security are key issues for finance firms and their customers\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EIn a note to its customers on the new security measures, UOB said: \"We will be restricting access to UOB TMRW app when screen-sharing or when mobile apps with risky permissions are detected, as this may compromise your banking and personal information...These security measures are necessary to protect you from exposure to malware scams. We value your privacy. You can be assured these new features do not monitor your phone activity, collect or store any personal data.\"\u003C\u002Fp\u003E\u003Cp\u003EIf unauthorized apps are detected, an error screen will pop up on UOB customers' devices, highlighting the name of the app, and the session will be terminated. An error message also will be displayed if external apps or tools are detected attempting to access the bank's app. Users will have to stop screen-sharing on the other app or tool, in order to continue using the UOB app. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"aa46de76-899f-4423-83b7-a891c88392d8\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Faa46de76-899f-4423-83b7-a891c88392d8\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-09-28 16:36:00",timezone:"UTC",updated:c,published:c},description:"Asia-Pacific is the second-most targeted region for malicious bot requests against financial services, with global hubs Singapore, Australia, and Japan the region's top three most targeted, accounting for the bulk of web application and API attacks.",filterKey:"54481b4c-9a97-44fa-8e6a-a6f7db8f7dc7",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"a344bfbf-aeeb-4b7e-bd5b-c8f441e8d0d0",image:{id:"66a8df34-bb8f-4db7-9e72-03aa68123341",filename:"gettyimages-1506307783.jpg",dateCreated:{created:c,date:"2023-09-28 16:35:57",timezone:"UTC",updated:c,published:c},alt:"colorful laptop",credits:"Andrew Brookes\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F09\u002F28\u002F66a8df34-bb8f-4db7-9e72-03aa68123341\u002Fgettyimages-1506307783.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2000,height:1500,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"asian-banks-are-favorite-target-of-cybercooks-and-malicious-bots-their-preferred-tool",startYear:c,summary:b,title:"Asian banks are a favorite target of cybercrooks, and malicious bots their preferred tool",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0fd151ec-ec91-11e3-95d2-02911863765e",slug:"asean",name:"Asean",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"0fe9b07a-ec91-11e3-95d2-02911863765e",slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1140e374-ec91-11e3-95d2-02911863765e",slug:"singapore",name:"Singapore",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:i,slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"371a7418-10d6-11e4-9732-00505685119a",username:"sjvn",profileUrl:c,email:c,firstName:"Steven",lastName:"Vaughan-Nichols",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"e2171bd1-84f6-4ca8-9801-2abdeb61a365",filename:"steven-vaughan-nichols.jpg",dateCreated:{created:c,date:"2022-08-05 18:47:37",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002Fe2171bd1-84f6-4ca8-9801-2abdeb61a365\u002Fsteven-vaughan-nichols.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Steven J. Vaughan-Nichols is a freelance writer and technology analyst. Besides ZDNET, he works with Foundry (Formerly IDG Communications), The Register, The New Stack, and Cathey Communications. He does not own stocks or other investments in any technology company.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"d4b20589-06d1-4e08-b6db-321f8c6a816b\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Klaus Vedfelt\u002FGetty Images\" data-image-alt-text=\"walletygettyimages-1461360968\" data-image-filename=\"walletygettyimages-1461360968.jpg\" data-image-date-created=\"2023\u002F09\u002F20\" data-image-width=\"2121\" data-image-height=\"1414\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EBILBAO, Spain - The digital wallet took another step toward world domination as Microsoft joined the horde of tech and financial organizations supporting the \u003Ca href=\"https:\u002F\u002Fopenwallet.foundation\u002F\" target=\"_blank\"\u003EOpenWallet Foundation (OWF)\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Cp\u003EAt the \u003Ca href=\"https:\u002F\u002Fevents.linuxfoundation.org\u002Fopen-source-summit-europe\u002F\" target=\"_blank\"\u003EOpen Source Summit Europe\u003C\u002Fa\u003E, the OWF, a Linux Foundation-sponsored open-source initiative focused on creating secure and interoperable digital wallets, announced the software giant as its newest member. The move comes alongside significant open-source code contributions from industry leaders Google, \u003Ca href=\"https:\u002F\u002Fwww.pingidentity.com\u002Fen.html\" target=\"_blank\"\u003EPing Identity\u003C\u002Fa\u003E, and \u003Ca href=\"https:\u002F\u002Fneosfer.de\u002Fen\u002F\" target=\"_blank\"\u003Eneosfer\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-vpn\u002F\"\u003EThe best VPN services: Expert tested and reviewed\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EJust a few years ago, the phrase \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Fhome-and-office\u002Fnetworking\u002Fthe-e-wallet-how-it-works\u002F\"\u003Edigital wallet\u003C\u002Fa\u003E -- aka, eWallet -- was still a mystery to most of us. Today, digital wallets such as \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-use-apple-pay-in-stores-and-online\u002F\"\u003EApple Pay\u003C\u002Fa\u003E, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fgoogle-pay-vs-samsung-pay\u002F\"\u003EGoogle Pay, and Samsung Pay\u003C\u002Fa\u003E are \u003Ca href=\"https:\u002F\u002Fwww.zmescience.com\u002Fscience\u002Fare-digital-wallets-set-to-replace-credit-cards\u002F\" target=\"_blank\"\u003Erapidly replacing credit cards\u003C\u002Fa\u003E and cash for purchases both in the real world and online. This technology isn't simply about contactless payment, though. Digital wallets are replacing driver's licenses, airline boarding passes, and even library cards. \u003C\u002Fp\u003E\u003Cp\u003EEverything you used to do from the wallet in your purse or back pocket can be done now from digital wallets.\u003C\u002Fp\u003E\u003Cp\u003EThe OWF isn't about creating yet another wallet, as OpenWallet founder Daniel Goldscheider explained:\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cp\u003E\"It's not going to issue credentials. It's not going to create standards. It is not trying to compete with the \u003Ca href=\"https:\u002F\u002Fopenid.net\u002Ffoundation\u002F\" target=\"_blank\"\u003EOpenID Foundation\u003C\u002Fa\u003E or \u003Ca href=\"https:\u002F\u002Fwww.openidentityexchange.org\u002F\" target=\"_blank\"\u003EThe Open Identity Exchange (OIX)\u003C\u002Fa\u003E for identification trust. Instead, we will use these standards to build a common-core shared software that anyone can use in their wallets.\"\u003C\u002Fp\u003E\u003C\u002Fblockquote\u003E\u003Cp\u003EThe goal? To enable all digital wallets to be interoperable. The OWF wants all wallets to be open, secure (of course!), and multipurpose.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EAs Marie Austenaa, Visa's head of digital identity, said in her keynote discussion, \"You have everything now on your mobile phone, your tickets, your cars, your boarding pass, your loyalty cards. Behind all that is a digital ecosystem.  Both you and your cards are dependent on a trusted ecosystem. It's a consumer tool to interact with the digital world. So it's pretty important that it uses open source to create an ecosystem that works on open standards.\"\u003C\u002Fp\u003E\u003Cp\u003EWithout that trusted open ecosystem, we'd need to rely on a mixed mess of different programs and protocols. No one wants that.\u003C\u002Fp\u003E\u003Cp\u003EOla Ben Har, Google's developer relations lead for payments, added, \"We must ensure we build highly secure and privacy-preserving solutions. At Google, we're spending a lot of time thinking about how to ensure that we provide the right tools and open-source reference implementations for the ecosystem to accomplish the goal. For example, the Android security team is working very closely with secure element vendors around the world to build open-source, hardware-backed security outlets that can be used for just new and upcoming use cases.\"  \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fai-trust-and-data-security-are-key-issues-for-finance-firms-and-their-customers\u002F\"\u003EAI, trust, and data security are key issues for finance firms and their customers\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EGoogle has contributed its identity credential library code to the OWF. This library, which has been open-sourced since 2020, aids developers in creating applications that align with the \u003Ca href=\"https:\u002F\u002Fwww.iso.org\u002Fstandard\u002F69084.html\" target=\"_blank\"\u003EISO\u002FIEC 18013-5:2021\u003C\u002Fa\u003E mobile driver license specifications. It includes a production-quality example wallet and verifier applications.\u003C\u002Fp\u003E\u003Cp\u003EPing Identity, an OWF foundational member, has pledged to contribute code components covering various protocols and formats. The company indicated it would provide a reference implementation to enhance interoperability with the Ping Identity ecosystem.\u003C\u002Fp\u003E\u003Cp\u003EIn a joint contribution, \u003Ca href=\"https:\u002F\u002Fwww.lissi.id\u002F\" target=\"_blank\"\u003Eneosfer's esatus and Lissi \u003C\u002Fa\u003Eare introducing their multi-platform \u003Ca href=\"https:\u002F\u002Fgithub.com\u002FYuanchengWu\u002Famigo-wallet\" target=\"_blank\"\u003EWallet Framework .NET\u003C\u002Fa\u003E to the OWF. Originating from a collaboration with the German initiative IDunion, this framework empowers .NET developers to create their own digital wallets, aligning with the \u003Ca href=\"https:\u002F\u002Fcommission.europa.eu\u002Fstrategy-and-policy\u002Fpriorities-2019-2024\u002Feurope-fit-digital-age\u002Feuropean-digital-identity_en\" target=\"_blank\"\u003EEuropean Identity Wallet\u003C\u002Fa\u003E initiative's goals.\u003C\u002Fp\u003E\u003Cp\u003EAnd what is Microsoft bringing to the table? \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-airtag-wallet\u002F\"\u003EThe best AirTag wallets: Secure your cash\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EMicrosoft Pay (formerly Microsoft Wallet) is a mobile payment and digital wallet service that never gained much traction. Now, Microsoft is re-entering the eWallet space. \u003C\u002Fp\u003E\u003Cp\u003EVisa's Austenaa said the OWF is very excited about Microsoft joining. She expects we're \"going to hear a lot more from Microsoft. We're going to solve the security challenges across the wallets, which is a key and fundamental problem.\"\u003C\u002Fp\u003E\u003Cp\u003E\"Microsoft has been a strong contributor to open identity standards development for over 10 years,\" added Pamela Dingle, Microsoft's director of identity standards. \"We are excited to expand our commitment to developing best practices for the security, interoperability, and compliance of digital wallets as members of the Open Wallet Foundation.\"\u003C\u002Fp\u003E\u003Cp\u003EIs this going to be a big deal? It sure looks like it. A recent Forbes Advisor survey found that \u003Ca href=\"https:\u002F\u002Fwww.forbes.com\u002Fadvisor\u002Fbanking\u002Fdigital-wallets-payment-apps\u002F\" target=\"_blank\"\u003Eover half (53%) of people are already using digital wallets more often than traditional payment methods\u003C\u002Fa\u003E. Indeed, 51% of users say they would stop shopping with a merchant that doesn't accept eWallet payments.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhy-you-can-still-trust-other-password-managers-even-after-that-lastpass-mess\u002F\"\u003EWhy you can still trust (other) password managers, even after that LastPass mess\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EToday, of those already using digital wallet apps, 69% use PayPal. The next most popular payment options are Google Pay (56%), Apple Pay (53%), and Samsung Pay (52%). Peer-to-peer apps are also popular, with 52% of respondents indicating they use Cash App and 49% using Venmo as a digital payment method. Users primarily access digital wallets via their smartphones (68%) and smartwatches (41%).\u003C\u002Fp\u003E\u003Cp\u003EOWF aims to provide a common platform for all these various payment platforms as well as driver's licenses, passports, and your kid's school photos.  With such high use numbers, especially from younger users, the question isn't whether but when eWallets will replace traditional wallets the same way debit cards replaced checkbooks in your pockets and purses.\u003C\u002Fp\u003E\u003Cp\u003EThe smart money says they'll be dominant by decade's end. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"aa46de76-899f-4423-83b7-a891c88392d8\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Faa46de76-899f-4423-83b7-a891c88392d8\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-09-20 18:12:54",timezone:"UTC",updated:c,published:c},description:"OpenWallet, now joined by Microsoft, looks to the near future when digital wallets replace traditional wallets in the same way debit cards replaced checkbooks.",filterKey:"54481b4c-9a97-44fa-8e6a-a6f7db8f7dc7",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"07302596-5e09-4d8e-a834-497a67eeefd8",image:{id:"d4b20589-06d1-4e08-b6db-321f8c6a816b",filename:"walletygettyimages-1461360968.jpg",dateCreated:{created:c,date:"2023-09-20 16:14:22",timezone:"UTC",updated:c,published:c},alt:"walletygettyimages-1461360968",credits:"Klaus Vedfelt\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F09\u002F20\u002Fd4b20589-06d1-4e08-b6db-321f8c6a816b\u002Fwalletygettyimages-1461360968.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Finance",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"its-2030-and-digital-wallets-have-replaced-every-card-in-our-purses-and-pockets",startYear:c,summary:b,title:"It's 2030, and digital wallets have replaced every card in our purses and pockets",topic:{id:i,slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:i,slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0fe9b07a-ec91-11e3-95d2-02911863765e",slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"103a5e4f-ec91-11e3-95d2-02911863765e",slug:"e-commerce",name:"E-Commerce",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1048432a-ec91-11e3-95d2-02911863765e",slug:"enterprise-software",name:"Enterprise Software",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1050fa4d-ec91-11e3-95d2-02911863765e",slug:"google",name:"Google",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"10c1d40e-ec91-11e3-95d2-02911863765e",slug:"microsoft",name:"Microsoft",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"10f422bf-ec91-11e3-95d2-02911863765e",slug:"open-source",name:"Open Source",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"5d68ddc2-d682-11e4-9a74-d4ae52e95e57",slug:"developer",name:"Developer",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"80536812-3971-4dad-94b0-d2082892465f\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Chris Jongkind\u002FGetty Images\" data-image-alt-text=\"bank vault\" data-image-filename=\"gettyimages-1477846719.jpg\" data-image-date-created=\"2023\u002F08\u002F16\" data-image-width=\"2164\" data-image-height=\"1385\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EWith market figures indicating \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwere-you-caught-up-in-the-latest-data-breach-heres-how-to-tell\u002F\" target=\"_blank\"\u003Ecybersecurity attacks are increasing\u003C\u002Fa\u003E in volume and sophistication, it's not surprising that businesses will seek ways to better safeguard their assets. Banks, in particular, want bigger moats since they have more to lose.\u003C\u002Fp\u003E\u003Cp\u003EHowever, fortified defenses inevitably mean legitimate users will have to burrow deeper to get access to services. The result is a perennial debate about finding the right balance between security and usability. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002F4-ways-to-avoid-clicking-on-malicious-links-and-the-phishing-and-scams-behind-them\u002F\"\u003E\u003Cstrong\u003E4 ways to avoid clicking malicious links that everyone online should know\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EAnd it seems one bank in Singapore might need to address that balance after it introduced a security function that left several of its customers frustrated. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EOCBC last week \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-banks-new-app-security-feature-irks-customers\u002F\" target=\"_blank\"\u003Erolled out a feature that locks out access\u003C\u002Fa\u003E to its digital banking services if mobile apps that have not been downloaded from unofficial app stores, such as Google Play Store and Huawei AppGallery, are detected on the user's device. \u003C\u002Fp\u003E\u003Cp\u003ECiting the need to protect customers against malware, the bank said this \"enhancement\" enables its app to identify errant apps on the customer's device. The security feature also checks the permission settings of apps against what the bank deems to present potential risks or that are commonly used by malware-laced apps. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthis-banks-new-app-security-feature-irks-customers\u002F\" target=\"_blank\"\u003EThis bank's new app security feature irks customers\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EWhen apps that do not meet both criteria are detected, customers will not be able to log in to their account via OCBC's mobile app or online-banking site until they uninstall or remove the \"rogue\" apps. \u003C\u002Fp\u003E\u003Cp\u003EThis \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-vpn-router\u002F\" target=\"_blank\"\u003Ehigh level of security\u003C\u002Fa\u003E sounded great -- until complaints started popping up. Customers found themselves locked out, even though apps flagged by the bank's new security feature had actually been downloaded from official app stores. These apps included Microsoft Authenticator, LG ThinQ, CCleaner, and Trend Micro. Even apps that were cleared by customers' own antivirus mobile apps were tagged as risky by the OCBC security feature. \u003C\u002Fp\u003E\u003Cp\u003EAffected customers said the bank's recommended solution of deleting and reinstalling the specific apps from official app stores did not work. \u003C\u002Fp\u003E\u003Cp\u003EFor most cases, OCBC's response was standard -- the new security feature is part of an efforts to combat fraud and \"safeguard our customers\" from suspected malicious apps. \"We apologize for any inconvenience caused,\" it said several times over to irate customers on its Facebook page. \"We seek your patience as this feature is aimed to safeguard customers from malware scams.\"\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-vpn\u002F\"\u003E\u003Cstrong\u003EThe best VPN services (and tips to choose the right one for you)\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EThis situation seems like a case where security has trumped usability. I was relieved, having read the anecdotes of aggrieved OCBC customers, that I had chosen to bank with another firm. But then industry regulator Monetary Authority of Singapore (MAS) stepped up to voice its support for the bank's security feature. \u003C\u002Fp\u003E\u003Cp\u003E\"Security measures will come with some measure of added inconvenience for customers, but they are necessary to maintain security of and confidence in digital banking,\" MAS said. \"Coupled with a vigilant and discerning public, robust security measures will help us strengthen our defense against scams.\"\u003C\u002Fp\u003E\u003Cp\u003EIn view of the regulator's cheerleading role, I'm now anticipating that the remaining two major local banks, including mine, will follow suit some time in the very near future and roll out a similar security \"enhancement\". \u003C\u002Fp\u003E\u003Cp\u003EPerhaps OCBC is serving penance for taking centerstage in \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-must-clamp-down-on-security-inertia-before-digital-banking-era-can-take-off\u002F\"\u003Elast year's phishing scams\u003C\u002Fa\u003E, or maybe it lost a game of rock, paper, scissors, and was picked to be the first bank to roll out the security feature -- and, hence, had to bear the brunt of customer ire?\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-protect-and-secure-your-password-manager\u002F\"\u003E\u003Cstrong\u003EHow to protect and secure your password manager\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EWhatever the case, OCBC's muddled launch leaves much to be desired and throws up questions that the whole industry, including its regulator, will need to address collectively. \u003C\u002Fp\u003E\u003Ch2\u003EConsumer trust and shared responsibility\u003C\u002Fh2\u003E\u003Cp\u003EFirst, let's get one thing straight. This isn't simply a question of privacy, but of user trust. When things don't work the way they're supposed to work, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-must-return-data-control-to-users-to-regain-public-trust\u002F\" target=\"_blank\"\u003Etrust will erode\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003EUse only apps from official app stores and you're good, OCBC customers were assured. But that approach turned out to be problematic.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Feight-habits-of-highly-secure-remote-workers\u002F\" target=\"_blank\"\u003E8 habits of highly secure remote workers\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E'Oh, then your app's permission settings are the issue,' customers were told. However, the bank has remained coy about the details of what these permission settings are, presumably so the bad guys aren't tipped off about how to circumvent these flags. \u003C\u002Fp\u003E\u003Cp\u003EMore generally, the lack of information, and transparency, means users are left wondering what exactly is so wrong with the apps -- apps that they had downloaded from official stores and that were built by legitimate companies. Does that mean the likes of Microsoft, LG, and Trend Micro are releasing apps that contain security risks, as deemed by OCBC?\u003C\u002Fp\u003E\u003Cp\u003EAnd if that isn't the case, does that mean apps are being mistakenly identified by a major bank's security 'enhancement'? A security enhancement that \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-must-clamp-down-on-security-inertia-before-digital-banking-era-can-take-off\u002F\" target=\"_blank\"\u003Eshould have been rigorously checked and tested\u003C\u002Fa\u003E and checked again before it's released to the public? \u003C\u002Fp\u003E\u003Cp\u003EHow much trust, therefore, should consumers put in a security feature that is unable to properly distinguish between legitimate apps and those that carry actual risks? \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso\u003C\u002Fstrong\u003E: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Fin-depth\u002Finnovation\u002Fthese-experts-are-racing-to-protect-ai-from-hackers-time-is-running-out\u002F\"\u003E\u003Cstrong\u003EThese experts are racing to protect AI from hackers\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003ETo top it off, users are being told their decisions on how they want to operate their devices are invalid. In other words, this security enhancement is implying 'remove your naughty apps or you can't use ours'.\u003C\u002Fp\u003E\u003Cp\u003ESo, when businesses override a customer's decision on how they want their devices to be secured, does it make them fully liable when a breach occurs? I believe it potentially should, since the customer has little say in the apps, including antivirus tools, that they can have on their phone if they wish to continue accessing their bank account.\u003C\u002Fp\u003E\u003Cp\u003EI recently had a similar conversation with some industry folks, during which I mentioned a personal peeve with regards to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-industry-needs-stronger-codes-of-conduct-as-consumer-data-gains-value\u002F\" target=\"_blank\"\u003Eapp permissions\u003C\u002Fa\u003E and organizations' inability, or unwillingness, to explain why they need access to features that are unnecessary to facilitate their services.\u003C\u002Fp\u003E\u003Cp\u003EIt was then suggested to me that the lack of transparency might be buffered by the assurance that these businesses, in their own interests, would not want to develop an app that put their customers at risk, hence, damaging their own brand reputation. \u003C\u002Fp\u003E\u003Cp\u003EI would argue that this stance shouldn't absolve customers from taking responsibility for their own security posture. \u003C\u002Fp\u003E\u003Cp\u003EIn fact, the Singapore government, perhaps to the delight of businesses, has repeatedly emphasized the need for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-urges-shared-responsibility-in-preventing-online-scams-as-it-readies-liability-framework\u002F\" target=\"_blank\"\u003Econsumers to assume shared responsibility\u003C\u002Fa\u003E in safeguarding their cyber hygiene. \u003C\u002Fp\u003E\u003Cp\u003E\"The ongoing fight against scams requires an ecosystem approach, with all stakeholders playing their part in staying vigilant and guarding against scams,\" \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-mandates-kill-switch-for-banks-as-safeguard-against-online-scams\u002F\" target=\"_blank\"\u003EMAS had said\u003C\u002Fa\u003E. The regulator is \u003Ca href=\"https:\u002F\u002Fwww.mas.gov.sg\u002Fnews\u002Fparliamentary-replies\u002F2023\u002Fwritten-reply-to-parliamentary-question-on-the-framework-for-equitable-sharing-of-losses\" target=\"_blank\"\u003Eworking on a liability framework\u003C\u002Fa\u003E that it says will make clear the roles and responsibilities of financial institutions, telcos, and customers to be vigilant against online scams. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso\u003C\u002Fstrong\u003E: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ffive-easy-steps-to-keep-your-smartphone-safe-from-hackers\u002F\"\u003E\u003Cstrong\u003E5 easy steps to keep your smartphone safe from hackers\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EIf consumers are made to assume responsibility, and liability, for their online hygiene, shouldn't they then have the right to make their own decisions on how they can best protect themselves? \u003C\u002Fp\u003E\u003Cp\u003EAnd shouldn't there be more transparency and access to information on how the organizations consumers transact with are securing their services? \u003C\u002Fp\u003E\u003Cp\u003EFor the sake of their customers (and my sanity), I hope the other banks set to follow in OCBC's footsteps have been taking notes and working to ensure they avoid a similarly messy rollout. \u003C\u002Fp\u003E\u003Cp\u003EFor instance, could OCBC have mitigated some of the issues by offering customers a personal 'whitelist' to which they can include apps initially flagged by the bank's security feature? These apps could be checked and assessed against security policies, and added to the whitelist only after they've been ascertained to be safe. \u003C\u002Fp\u003E\u003Cp\u003EBanks could put a cap of, say, three apps in the whitelist, so customers are motivated to prioritize apps that are absolutely necessary and banks can manage the resources needed to facilitate this approach. They can also \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fwhat-is-ai-heres-everything-you-need-to-know-about-artificial-intelligence\u002F\" target=\"_blank\"\u003Euse artificial intelligence tools\u003C\u002Fa\u003E to automate some processes and optimize the app assessment cycle, as well as maintain a repository of approved ones, further reducing the effort required to upkeep the whitelist. \u003C\u002Fp\u003E\u003Cp\u003EAnd if they're not already doing so, banks should be in touch with major app developers, including antivirus software vendors, on how their permission settings may or may not pass their security checklist. That's assuming they, too, are choosing not to divulge specifics behind app permissions they consider to be risky. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fstop-using-your-4-digit-iphone-passcode-in-public-do-this-instead\u002F\"\u003E\u003Cstrong\u003EStop using your 4-digit iPhone passcode in public. Do this instead\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EAbove all, the one key question all banks will want to ask themselves is whether they're prepared to take full liability in the event of a security breach, should they choose to override their customers' security choices. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-08-17 08:58:00",timezone:"UTC",updated:c,published:c},description:"When businesses override a customer's security decision, does it make them fully liable when a breach occurs? That's a question banks like those in Singapore need to consider before they roll out their next security feature.",filterKey:"54481b4c-9a97-44fa-8e6a-a6f7db8f7dc7",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"8a2ff52d-c0d8-4471-a0bc-774050bfcdac",image:{id:"80536812-3971-4dad-94b0-d2082892465f",filename:"gettyimages-1477846719.jpg",dateCreated:{created:c,date:"2023-08-16 20:58:52",timezone:"UTC",updated:c,published:c},alt:"business-on-security-thumb.jpg",credits:"Chris Jongkind\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F08\u002F16\u002F80536812-3971-4dad-94b0-d2082892465f\u002Fgettyimages-1477846719.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2164,height:1385,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"analysis\u002Fopinion",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"banks-defending-their-right-to-security-are-missing-the-point-about-consumer-trust",startYear:c,summary:b,title:"Banks defending their right to security are missing the point about consumer trust",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0fe9b07a-ec91-11e3-95d2-02911863765e",slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1029c8e8-ec91-11e3-95d2-02911863765e",slug:"data-management",name:"Data Management",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"3414bf30-82eb-4a6a-a561-f193482f1643",slug:"artificial-intelligence",name:"Artificial Intelligence",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"0d8cfdbe-8176-11e2-9d12-0018fe8a00b0",username:"eyu",profileUrl:c,email:c,firstName:"Eileen",lastName:"Yu",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"2dd68a59-269a-4024-8e9e-8d4f16fbc2d2",filename:"eileen-yu.jpg",dateCreated:{created:c,date:"2022-08-13 06:39:20",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F13\u002F2dd68a59-269a-4024-8e9e-8d4f16fbc2d2\u002Feileen-yu.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Currently an independent business tech journalist and panel moderator based in Singapore, Eileen Yu has over 20 years of industry experience with various publications including ZDNET, IDG, and Singapore Press Holdings. \r\n\r\nShe covers industry developments in Singapore and other Asian markets, with special focus on China, and aims to drive discussions around cybersecurity, data, and government policies.\r\n\r\nEileen majored in Journalism at The University of Queensland, Australia, where she wrote an honours thesis titled: To Censor or Not: The Great Singapore Dilemma.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"3b7c20bd-23cb-4db4-aaa3-1936aba2b4cd\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Eugen Barbu\u002F500px\u002FGetty Images\" data-image-alt-text=\"Padlock on credit cards\" data-image-filename=\"gettyimages-1481917164.jpg\" data-image-date-created=\"2023\u002F08\u002F10\" data-image-width=\"2121\" data-image-height=\"1414\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EOCBC has left several of its customers frustrated after introducing a security feature that locks out access if mobile apps downloaded from unofficial app stores are detected on the user's device. \u003C\u002Fp\u003E\u003Cp\u003EThe \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Focbc-bank-offers-customers-login-option-with-e-government-app\u002F\" target=\"_blank\"\u003ESingapore bank\u003C\u002Fa\u003E rolled out the security feature on its mobile app early this week, citing the need to protect its customers against malware. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002F4-ways-to-avoid-clicking-on-malicious-links-and-the-phishing-and-scams-behind-them\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003E4 ways to avoid clicking malicious links that everyone online should know\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EThe \"enhancement\" allows its app to identify apps that are not downloaded from official app stores, such as Google Play Store and Huawei AppGallery. The new security feature also checks the permission settings of apps against what the bank deems to present potential risks or that are commonly used in malware-laced apps. \u003C\u002Fp\u003E\u003Cp\u003EWhen apps that do not meet both of the criteria are detected, customers will not be able to log into their account via OCBC's mobile app or online banking site until they uninstall or remove the \"rogue\" apps. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ECustomers who want to continue using these apps are advised to download and reinstall them from official app stores, OCBC said on \u003Ca href=\"https:\u002F\u002Fwww.facebook.com\u002FOCBC.Singapore\" target=\"_blank\"\u003Eits Facebook page\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cp\u003EOCBC further noted that the new security feature does not monitor its customers' phone activities or conduct surveillance on the mobile device -- neither does it collect nor retain customers' personal data. \u003C\u002Fp\u003E\u003Cp\u003E\"This technology detects apps that are not downloaded from official app stores only when the OCBC Digital app is opened,\" the bank added. \"It does not identify the owner of the device. All it does is to alert customers to apps that could compromise the device to malware scams.\"\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-vpn\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EThe best VPN services (and tips to choose the right one for you)\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"We apologize for any inconvenience caused. We seek your patience as this feature is aimed to safeguard customers from malware scams,\" it said. \u003C\u002Fp\u003E\u003Cp\u003EIts customers, though, were left frustrated after finding themselves unable to access their banking services, prompting several to air their grievances on the bank's Facebook page. These included users who said apps they had downloaded from official app stores were identified as malware by OCBC's security feature. \u003C\u002Fp\u003E\u003Cp\u003EOne such customer said \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-use-microsoft-authenticator-as-your-password-manager\u002F\" target=\"_blank\"\u003EMicrosoft Authenticator\u003C\u002Fa\u003E was singled out, even though the two-factor authenticator app was published by Microsoft and downloaded from Play Store. The customer added that they still were unable to access OCBC's app even after uninstalling and reinstalling Microsoft Authenticator from the Google app store, as recommended by an OCBC administrator. \u003C\u002Fp\u003E\u003Cp\u003EOthers said apps for their smart home devices, such as LG ThinQ, also were highlighted even though they were downloaded from official app stores. System optimizer apps such as CCLeaner did not make the cut either. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-use-chatgpt-to-create-an-app\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EHow to use ChatGPT to create an app\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EAnother reported that even their Trend Micro antivirus mobile app was flagged since it was not downloaded from an official app store. \u003C\u002Fp\u003E\u003Cp\u003EMost said OCBC's recommended solution of deleting and reinstalling the specific apps from official app stores did not work. \u003C\u002Fp\u003E\u003Cp\u003EOne customer also noted that apps developed out of China appeared to be blocked, even though the apps were not detected as security risks by their own antivirus tool. \u003C\u002Fp\u003E\u003Cp\u003EA customer highlighted the oft-cited need to balance convenience and security, or businesses such as OCBC will risk losing their customers instead. Another put it more plainly: \"What right does OCBC have to decide what we can install?\"\u003C\u002Fp\u003E\u003Cp\u003EAmid the complaints, industry regulator Monetary Authority of Singapore (MAS) released a \u003Ca href=\"https:\u002F\u002Fwww.mas.gov.sg\u002Fnews\u002Fmedia-releases\u002F2023\u002Fmas-response-to-media-queries-on-ocbc-security-feature\" target=\"_blank\"\u003Estatement\u003C\u002Fa\u003E voicing its support for the bank's security feature, which it said aims to address risks associated with downloading applications from unauthorized sources, since these may contain malware. \u003C\u002Fp\u003E\u003Cp\u003E\"It is in the nature of new innovations that they may cause unintended inconveniences,\" the regulator said, adding that it would work with banks in Singapore to learn from such experiences so security features can be continuously enhanced. \u003C\u002Fp\u003E\u003Cp\u003EMAS said it had been working with these organizations on measures to combat risks related to malware scams, to which customers increasingly had fallen victim, and \"strongly supports\" banks' initiatives to strengthen the security of digital banking activities.\u003C\u002Fp\u003E\u003Cp\u003EThe regulator noted that the Association of Banks in Singapore also will review the effectiveness of existing anti-scam measures as the threat landscape evolves. \u003C\u002Fp\u003E\u003Cp\u003E\"Security measures will come with some measure of added inconvenience for customers, but they are necessary to maintain security of and confidence in digital banking,\" MAS said. \"Coupled with a vigilant and discerning public, robust security measures will help us strengthen our defence against scams.\"\u003C\u002Fp\u003E\u003Cp\u003EOCBC was the center of a \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-must-clamp-down-on-security-inertia-before-digital-banking-era-can-take-off\u002F\"\u003Espate of SMS phishing scams\u003C\u002Fa\u003E last year, which wiped out SG$13.7 million ($10.17 million) from the accounts of 790 customers. Scammers had manipulated SMS Sender ID details to push out messages that appeared to be from OCBC, urging the victims to resolve issues with their bank accounts. They then were redirected to phishing websites and instructed to key in their bank login details, including username, PIN, and One-Time Password (OTP).  \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhow-to-protect-and-secure-your-password-manager\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EHow to protect and secure your password manager\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EThis prompted the Singapore government to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-to-step-up-security-measures-in-aftermath-of-phishing-scams\u002F\" target=\"_blank\"\u003Estep up security measures\u003C\u002Fa\u003E to bolster local banking and communications infrastructures, which included the need for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-to-tag-unregistered-sms-senders-as-likely-scam\u002F\" target=\"_blank\"\u003ESMS service providers to check against a registry\u003C\u002Fa\u003E before sending through messages. Banks also are expected to develop \"more versatile\" artificial intelligence (AI) models to detect suspicious transactions. \u003C\u002Fp\u003E\u003Cp\u003EIn addition, Singapore banks were instructed to \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-mandates-kill-switch-for-banks-as-safeguard-against-online-scams\u002F\" target=\"_blank\"\u003Eprovide a \"kill switch,\"\u003C\u002Fa\u003E allowing customers to quickly suspend their accounts should they suspect a security breach.\u003C\u002Fp\u003E\u003Cp\u003EConsumers also were urged to use mobile banking apps, instead of web browsers, to access their accounts in order to minimize the risks of navigating to fraudulent websites. The Singapore government had underscored the need for \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fsingapore-urges-shared-responsibility-in-preventing-online-scams-as-it-readies-liability-framework\u002F\" target=\"_blank\"\u003Ecustomers to assume responsibility for their own cyber hygiene\u003C\u002Fa\u003E by taking \"necessary precautions.\"\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"6765f19d-41fe-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F6765f19d-41fe-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-08-11 13:33:00",timezone:"UTC",updated:c,published:c},description:"OCBC introduces a security feature that locks out access if it detects mobile apps downloaded from unofficial app stores on the user's phone. The bank cites the need to safeguard against malware, but is instead frustrating customers.",filterKey:"54481b4c-9a97-44fa-8e6a-a6f7db8f7dc7",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"0a452783-bbc8-47d7-916a-b8579e5765bf",image:{id:"3b7c20bd-23cb-4db4-aaa3-1936aba2b4cd",filename:"gettyimages-1481917164.jpg",dateCreated:{created:c,date:"2023-08-10 14:03:34",timezone:"UTC",updated:c,published:c},alt:"Padlock on credit cards",credits:"Eugen Barbu\u002F500px\u002FGetty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F08\u002F10\u002F3b7c20bd-23cb-4db4-aaa3-1936aba2b4cd\u002Fgettyimages-1481917164.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Tech^Security",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"this-banks-new-app-security-feature-irks-customers",startYear:c,summary:b,title:"This bank's new app security feature irks customers",topic:{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"113c25b6-ec91-11e3-95d2-02911863765e",slug:"security",name:"Security",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0fe9b07a-ec91-11e3-95d2-02911863765e",slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"10cdea3b-ec91-11e3-95d2-02911863765e",slug:"mobile-os",name:"Mobile OS",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"1147b242-ec91-11e3-95d2-02911863765e",slug:"smartphones",name:"Smartphones",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d}],componentLabel:"Banking",description:c,filters:c,paging:c,slug:"banking",title:"Banking",label:c,viewMoreText:c,viewMoreUrl:c,relatedItems:c},{id:"7637168a-c1c7-464d-a9a7-6f5b3c845589",meta:{componentName:"7637168a-c1c7-464d-a9a7-6f5b3c845589",componentDisplayName:"Taxes",componentType:"ContentList"},metadata:{},links:{self:{href:"https:\u002F\u002Fbender.cnetstatic.com\u002Fapi\u002Fneutron\u002Fcomponents\u002Fzdnet\u002Flisting\u002Fmulti_filtered_listing\u002F7637168a-c1c7-464d-a9a7-6f5b3c845589\u002Fweb?searchBy=id&topicSlug=finance&componentType=ContentList&componentName=7637168a-c1c7-464d-a9a7-6f5b3c845589"}},items:[{author:{id:"ab2ae5cc-62fd-4292-a0b0-fb223738c1de",username:"ksolino",profileUrl:c,email:c,firstName:"Kayla",lastName:"Solino",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"523fff3e-db1c-4997-8e16-2dfa40989bc3",filename:"img-2794.jpg",dateCreated:{created:c,date:"2023-10-02 14:47:16",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F10\u002F02\u002F523fff3e-db1c-4997-8e16-2dfa40989bc3\u002Fimg-2794.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Kayla Solino is a ZDNET Associate Editor based in New York City and New Jersey. She has a master's degree in journalism from the University of Alabama. Some of her past bylines include Inc., Fortune, and The Crimson White. In her spare time, she enjoys keeping up with all things Crimson Tide, binging British Bake Off, and baking.",profile:c,title:"Associate Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EThis year, \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Ffiling\u002Findividuals\u002Fwhen-to-file\" target=\"_blank\"\u003Etax filings and respective payments\u003C\u002Fa\u003E are due on Monday, April 15, though the IRS began accepting filings in late January. With the 2024 deadline approaching quickly (just two weeks out), now is the chance to check filing off your to-do list. Tax filing takes preparation, time, and careful attention, so understanding the tools available is key to completing your taxes with ease.\u003C\u002Fp\u003E\u003Cp\u003EUsing a \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Ftaxes\u002Fbest-tax-software\u002F\" target=\"_blank\"\u003Etax preparation service\u003C\u002Fa\u003E or hiring a professional tax specialist is a great strategy if it's within your budget and time frame. However, many people don't know that there are free tax filing software options available online if you're looking to complete a simple tax file. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-vpn\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EThe best VPNs for added security online: Tested and reviewed\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003ENo matter how you file your taxes, free tax software is available to help you check it off your to-do list quickly and efficiently. ZDNET rounded up some of the best free tax software options for simple filing that can aid you this filing season. Our pick for best free tax software overall is \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"9026720a-9cf0-4292-8cc8-a09cceebaede\" data-raw-url=\"https:\u002F\u002Fcash.app\u002F\" data-link-shortcode-text=\"Cash App Taxes\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E for its range of service options and smooth filing process, but check out alternative options and see how they compare for your needs. Remember, Tax Day is right around the corner. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"132a74fc-a111-4407-975e-f4fdc70c0849\" data-edition=\"us\" data-description=\"\u003Cp\u003ECash App Taxes offers a free, online tax preparation program -- one of the most comprehensive available. The only catch is to start your filing, you must \u003Ca href="https:\u002F\u002Fcash.app\u002Ftaxes?utm_campaign=creditkarma"\u003Edownload the brand's mobile app\u003C\u002Fa\u003E, even on a desktop or personal computer.\u003C\u002Fp\u003E\u003Cp\u003EUnlike other free tax filing software that may charge for state returns or certain deductions, Cash App claims there are \u003Ca href="https:\u002F\u002Fcash.app\u002Ftaxes?utm_campaign=creditkarma"\u003Eno restrictions\u003C\u002Fa\u003E. You can file state or federal taxes for free regardless of the deductions or credits you choose. Cash App Taxes' biggest strength is its truly free status. While other "free" tax software offerings may hide their free version behind confusing marketing and situational restrictions, this one does none of the above. No matter what deductions or credits you possess -- from freelance income, crypto trades, retirement distributions, rental property income or health savings accounts -- Cash App can help you file your 2024 tax returns for zip.\u003C\u002Fp\u003E\u003Cp\u003EUnlike other competitors, Cash App doesn't offer much professional support nor does it include the option to upload 1099 income forms, which can be a downside for some. But despite no professional tax or phone support at your disposal, the service provides substantial contextual and technical aid via live chat, which is likely more than enough if you're tax-savvy.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ESo if you're pretty confident and comfortable with the tax filing process or have a basic return, Cash App is a top pick for filling a tax return for free.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Cash App Taxes\" data-superlative=\"Best overall free tax software\" data-imagegroup=\"{"alt":"listicle-template-example.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Kayla Solino\u002FZDNET","imageData":{"id":"0bc7c312-1680-4b83-aec9-7f19d61ad03b","title":"Cash App Taxes","filename":"img-4162.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F02\u002F07\u002F0bc7c312-1680-4b83-aec9-7f19d61ad03b\u002Fimg-4162.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2199708,"width":4032,"height":3024,"dateCreated":{"date":"2024-02-07 22:11:16","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2024-02-07 22:11:42","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Kayla Solino\u002FZDNET","alt":"Cash App Taxes","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"0bc7c312-1680-4b83-aec9-7f19d61ad03b","imageAltText":"listicle-template-example.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Kayla Solino\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"img-4162.jpg","imageDateCreated":"2024\u002F02\u002F07","imageWidth":4032,"imageHeight":3024,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Kayla Solino\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fcashapp.pxf.io\u002Fc\u002F159047\u002F971308\u002F12855?&sharedid=zdnet&partnerpropertyid=1980086&u=https%3A%2F%2Fcash.app%2F&subId1=subid_value","offerMerchant":"Cash App","offerPrice":"","offerPriceRange":"","offerPriceText":"","offerType":"Single Product","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fcash.app\u002F","url":"https:\u002F\u002Fcashapp.pxf.io\u002Fc\u002F159047\u002F971308\u002F12855?&sharedid=zdnet&partnerpropertyid=1980086&u=https%3A%2F%2Fcash.app%2F&subId1=subid_value"}]\" data-usepricing=\"false\" data-like=\"~Comprehensive ~No restrictions\" data-dislike=\"~Limited professional support ~No upload income form options ~App required\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"717cd6dd-4e02-4ea8-a23e-32efb146e0c8\" data-edition=\"us\" data-description=\"\u003Cp\u003ETaxSlayer is not a new entity to the tax filing game. Like most commercial software, you'll need a simple return to qualify for free tax filing with TaxSlayer. The brand offers several tiers of services, but the free edition -- Tax Slayer Simply Free -- will work well for those with straightforward files.\u003C\u002Fp\u003E\u003Cp\u003ETaxSlayer Simply Free allows users to prepare, file, and print a federal income tax return and one state tax return for free. However, this service is only offered to those with the simplest tax returns, such as W-2 income filers, as well as student loan interest and education expenses. Still, it does not include services for many other important credits and deductions. For instance, you can't claim the child tax credit or earned income tax credit.\u003C\u002Fp\u003E\u003Cp\u003EAdditionally, you will not qualify to use it if you made over $100,000 in income of any form last year (job, side hustles, or unemployment).&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EAnd though Simply Free includes basic tax and technical support via email or phone, no other learning material or professional guidance is included. If you have a straightforward return and little to no claims, Simply Free could work for you, but many filers will need to consider Tax Slayer's paid options to get the job done.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"TaxSlayer Simply Free\" data-superlative=\"Best free tax software for W-2 filers with no dependents or deductions\" data-imagegroup=\"{"alt":"TaxSlayer","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Kayla Solino\u002FZDNET","imageData":{"id":"c20570cf-e514-4ed6-b8b2-5c382d9366c8","title":"TaxSlayer","filename":"img-4163.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F02\u002F07\u002Fc20570cf-e514-4ed6-b8b2-5c382d9366c8\u002Fimg-4163.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2301878,"width":4032,"height":3024,"dateCreated":{"date":"2024-02-07 22:12:26","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2024-02-07 22:12:41","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Kayla Solino\u002FZDNET","alt":"TaxSlayer","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"c20570cf-e514-4ed6-b8b2-5c382d9366c8","imageAltText":"TaxSlayer","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Kayla Solino\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"img-4163.jpg","imageDateCreated":"2024\u002F02\u002F07","imageWidth":4032,"imageHeight":3024,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Kayla Solino\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fwww.anrdoezrs.net\u002Flinks\u002F9041660\u002Ftype\u002Fdlg\u002Fsid\u002Fsubid_value\u002Fhttps:\u002F\u002Fwww.taxslayer.com\u002Fproducts\u002Ftaxslayer-free-tax-filing","offerMerchant":"TaxSlayer","offerPrice":"","offerPriceRange":"","offerPriceText":"","offerType":"Single Product","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.taxslayer.com\u002Fproducts\u002Ftaxslayer-free-tax-filing","url":"https:\u002F\u002Fwww.anrdoezrs.net\u002Flinks\u002F9041660\u002Ftype\u002Fdlg\u002Fsid\u002Fsubid_value\u002Fhttps:\u002F\u002Fwww.taxslayer.com\u002Fproducts\u002Ftaxslayer-free-tax-filing"}]\" data-usepricing=\"false\" data-like=\"~Free federal and state return ~Limited credits and deductions\" data-dislike=\"~Only for simple returns ~Income cap ~Not for most people\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"30945f60-24ae-4fe4-9e96-524ef041cf2d\" data-edition=\"us\" data-description=\"\u003Cp\u003EH&amp;R Block has a longstanding association with filing taxes thanks to its many years of in-person services, but the brand has offered a way to file your taxes for free online for several years now.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EH&amp;R Block's online software lets you import tax documents from last year and includes a federal tax return and one state return. The Free edition includes several common tax forms, including unemployment and student loan interest.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThis year, its free version includes more IRS forms than TurboTax, such as retirement income, gambling winnings, alimony, and stock options. However, freelancers and gig workers will have to look elsewhere for their filing needs, as will those who want to deduct business or child care expenses or claim dependents for free.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EH&amp;R Block also offers different paid levels of tiered services, including in-person assistance at a local H&amp;R Block branch or online help from a tax professional for an additional cost. It's a great alternative to software like TurboTax if you can use its free filing tier for 2024.\u003C\u002Fp\u003E\" data-hed=\"H&R Block Free Online\" data-superlative=\"Best free tax software for students and most filling needs\" data-imagegroup=\"{"alt":"H&R block","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Kayla Solino\u002FZDNET","imageData":{"id":"066114bd-050d-49b1-b883-c45f00b33610","title":"H&R block","filename":"img-4164.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F02\u002F07\u002F066114bd-050d-49b1-b883-c45f00b33610\u002Fimg-4164.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2101934,"width":4032,"height":3024,"dateCreated":{"date":"2024-02-07 22:13:01","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2024-02-07 22:13:18","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Kayla Solino\u002FZDNET","alt":"H&R block","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"066114bd-050d-49b1-b883-c45f00b33610","imageAltText":"H&R block","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Kayla Solino\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"img-4164.jpg","imageDateCreated":"2024\u002F02\u002F07","imageWidth":4032,"imageHeight":3024,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Kayla Solino\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Flinkto.hrblock.com\u002Fc\u002F159047\u002F391260\u002F5683?&sharedid=zdnet&partnerpropertyid=1980086&u=https%3A%2F%2Fwww.hrblock.com%2Flp%2Ftax-filing%2F%3F&subId1=subid_value","offerMerchant":"Hrblock","offerPrice":"","offerPriceRange":"","offerPriceText":"","offerType":"Single Product","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.hrblock.com\u002Flp\u002Ftax-filing\u002F?","url":"https:\u002F\u002Flinkto.hrblock.com\u002Fc\u002F159047\u002F391260\u002F5683?&sharedid=zdnet&partnerpropertyid=1980086&u=https%3A%2F%2Fwww.hrblock.com%2Flp%2Ftax-filing%2F%3F&subId1=subid_value"}]\" data-usepricing=\"false\" data-like=\"~Longstanding trust and authority in tax field ~In-person help available for extra $ ~Import tax documents from prior year ~Includes more IRS forms than other software options\" data-dislike=\"~Not for freelancers or gig workers ~Not for more complex filers\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"92562292-3f2f-430f-9ab8-ae781457e4d7\" data-edition=\"us\" data-description=\"\u003Cp\u003ETurboTax is one of the top services for tax filing. Its free service brings the same expertise that has built a reputation in the industry. For those with W-2s and other simple taxes, like students, you can file your taxes for 2024 easily and quickly.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EFree federal income tax and state tax returns are available, and TurboTax Free Edition supports many commonly filed forms and schedules like unemployment. The free edition is primarily designed for filers with simple returns only (Form 1040), including those with W-2s with dependents or student loan interest.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ETurboTax Free Edition is designed for taxpayers filing simple returns only with limited credits (Form 1040), including those who receive W-2s with dependents or student loan interest. According to TurboTax, only 37% of all customers \u003Ca href="https:\u002F\u002Fturbotax.intuit.com\u002Fbest-tax-software\u002Fwhy-its-free\u002F"\u003Equalify for the Free Edition\u003C\u002Fa\u003E.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIf eligible, this free version will allow you to claim the standard deduction, earned income tax credit, student loan interest deduction, some capital gains and losses, and the child tax credit, but nothing more intricate or complicated. (The Federal Trade Commission recently ordered that TurboTax's parent company Intuit can \u003Ca href="https:\u002F\u002Fwww.ftc.gov\u002Fnews-events\u002Fnews\u002Fpress-releases\u002F2024\u002F01\u002Fftc-issues-opinion-finding-turbotax-maker-intuit-inc-engaged-deceptive-practices"\u003Eno longer market its services as "free"\u003C\u002Fa\u003E without disclosing details about who qualifies.)\u003C\u002Fp\u003E\u003Cp\u003ESuppose you are ineligible to file for free with TurboTax. In that case, you may want to see if you can file for free through another option, such as IRS Free File, H&amp;R Block Free Edition, or FreeTaxUSA for federal filing.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"TurboTax Free Edition\" data-superlative=\"Best alternative free tax software for simple filers\" data-imagegroup=\"{"alt":"turbotax-logo.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Kayla Solino\u002FZDNET","imageData":{"id":"65ab79dc-8622-4371-ba33-9c8fa9652a1a","title":"TurboTax","filename":"img-4165.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F02\u002F07\u002F65ab79dc-8622-4371-ba33-9c8fa9652a1a\u002Fimg-4165.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2350356,"width":4032,"height":3024,"dateCreated":{"date":"2024-02-07 22:13:50","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2024-02-07 22:14:11","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Kayla Solino\u002FZDNET","alt":"TurboTax","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"65ab79dc-8622-4371-ba33-9c8fa9652a1a","imageAltText":"turbotax-logo.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Kayla Solino\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"img-4165.jpg","imageDateCreated":"2024\u002F02\u002F07","imageWidth":4032,"imageHeight":3024,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Kayla Solino\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fwww.anrdoezrs.net\u002Flinks\u002F9041660\u002Ftype\u002Fdlg\u002Fsid\u002Fsubid_value\u002Fhttps:\u002F\u002Fturbotax.intuit.com\u002Fpersonal-taxes\u002Fonline\u002Ffree-edition.jsp","offerMerchant":"TurboTax","offerPrice":"","offerPriceRange":"","offerPriceText":"","offerType":"Single Product","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fturbotax.intuit.com\u002Fpersonal-taxes\u002Fonline\u002Ffree-edition.jsp","url":"https:\u002F\u002Fwww.anrdoezrs.net\u002Flinks\u002F9041660\u002Ftype\u002Fdlg\u002Fsid\u002Fsubid_value\u002Fhttps:\u002F\u002Fturbotax.intuit.com\u002Fpersonal-taxes\u002Fonline\u002Ffree-edition.jsp"}]\" data-usepricing=\"false\" data-like=\"~Easy to use ~Authority in the tax space\" data-dislike=\"~For simple returns only ~Not every customer qualifies for free edition ~limited credit options\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"3f9b2b68-c25b-4d2e-8b95-c26e9523cef3\" data-edition=\"us\" data-description=\"\u003Cp\u003ETaxACT offers free federal tax filing for a wide range of individuals, such as filers claiming dependents, unemployment income, college expenses, or retirement income. It's one of the services approved for \u003Ca href="https:\u002F\u002Fwww.taxact.com\u002Fffa\u002Ffree-file"\u003Efree tax filing\u003C\u002Fa\u003E by the IRS for 2024. To qualify for the service, you must be between 20 and 58 years old or military personnel with an adjusted gross income under $79,000.\u003C\u002Fp\u003E\u003Cp\u003EWith TaxAct Free, you can easily import your filings from previous years, and critical tax forms like the Earned Income Tax Credit and Child Tax Credit are included in its free tier. Unemployment income and dependents are also covered.\u003C\u002Fp\u003E\u003Cp\u003EIn addition to complementary federal filing, TaxACT provides free state tax returns for AR, IA, ID, MS, MT, ND, RI, VT, WA, and WV if you qualify for a free federal return. State returns for non-supported states will cost you $40 per state.\u003C\u002Fp\u003E\" data-hed=\"TaxACT Free Edition\" data-superlative=\"Best IRS free file eligible free tax software\" data-imagegroup=\"{"alt":"TaxAct","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Kayla Solino\u002FZDNET","imageData":{"id":"5daa5358-f807-483d-89ae-a3a04425e855","title":"TaxAct","filename":"img-4166.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F02\u002F07\u002F5daa5358-f807-483d-89ae-a3a04425e855\u002Fimg-4166.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2241679,"width":4032,"height":3024,"dateCreated":{"date":"2024-02-07 22:14:33","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2024-02-07 22:14:47","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Kayla Solino\u002FZDNET","alt":"TaxAct","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"5daa5358-f807-483d-89ae-a3a04425e855","imageAltText":"TaxAct","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Kayla Solino\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"img-4166.jpg","imageDateCreated":"2024\u002F02\u002F07","imageWidth":4032,"imageHeight":3024,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Kayla Solino\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fwww.anrdoezrs.net\u002Flinks\u002F9041660\u002Ftype\u002Fdlg\u002Fsid\u002Fsubid_value\u002Fhttps:\u002F\u002Fwww.taxact.com\u002Fffa\u002Ffree-file","offerMerchant":"TaxAct","offerPrice":"","offerPriceRange":"","offerPriceText":"","offerType":"Single Product","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.taxact.com\u002Fffa\u002Ffree-file","url":"https:\u002F\u002Fwww.anrdoezrs.net\u002Flinks\u002F9041660\u002Ftype\u002Fdlg\u002Fsid\u002Fsubid_value\u002Fhttps:\u002F\u002Fwww.taxact.com\u002Fffa\u002Ffree-file"}]\" data-usepricing=\"true\" data-like=\"~IRS Free File partner ~Import tax documents from year prior\" data-dislike=\"~More restrictive eligibility ~Fee for state return for non-supported states\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"2d8bc5fc-b1a9-45b8-b4e4-1aa309be930d\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe true "best" tax software service will ultimately come down to your individual needs for tax filing. What may be the best service for you might not be best for someone else. However, Cash App Taxes offers free tax filing for the broadest range of solutions, credits, and deductions.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ESee how ZDNET's top picks compare against each other, and check out if one of our picks may be right for you. Ultimately, if you are unsure of what may be the best fit, seek professional help from an accountant or other professional services.&nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EBest free tax\u003C\u002Fstrong\u003E\u003Cstrong\u003E software\u003C\u002Fstrong\u003E \u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EFree\u003C\u002Fstrong\u003E\u003Cstrong\u003E state return\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EFree federal return\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EIncome threshold\u003C\u002Fstrong\u003E \u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003ECash App Taxes\u003C\u002Ftd\u003E\u003Ctd\u003EYes\u003C\u002Ftd\u003E\u003Ctd\u003EYes\u003C\u002Ftd\u003E\u003Ctd\u003ENo\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003ETaxSlayer Simply Free\u003C\u002Ftd\u003E\u003Ctd\u003EYes\u003C\u002Ftd\u003E\u003Ctd\u003EYes\u003C\u002Ftd\u003E\u003Ctd\u003E$100,000\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003EH&amp;R Block Free Online\u003C\u002Ftd\u003E\u003Ctd\u003EYes\u003C\u002Ftd\u003E\u003Ctd\u003EYes\u003C\u002Ftd\u003E\u003Ctd\u003ENo\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003ETurboTax Free Edition\u003C\u002Ftd\u003E\u003Ctd\u003EYes\u003C\u002Ftd\u003E\u003Ctd\u003EYes\u003C\u002Ftd\u003E\u003Ctd\u003ENo\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003ETaxAct Free\u003C\u002Ftd\u003E\u003Ctd\u003ENo\u003C\u002Ftd\u003E\u003Ctd\u003EYes\u003C\u002Ftd\u003E\u003Ctd\u003ENo\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"What is the best free tax software service?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ffd97a06-d620-43c2-8fb8-6e53a419aeab\" data-edition=\"us\" data-description=\"\u003Cp\u003EChoosing a tax software that's right for you is ultimately up to your needs for a service. See how ZDNET's top pick -- Cash App Taxes -- compares to the other options we've slated for this list and if it may be right for you.&nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EChoose this free tax software ...\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EIf you want...\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cbr\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003ECash App Taxes\u003C\u002Ftd\u003E\u003Ctd\u003EThe best overall free online tax software for most experienced people \u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cbr\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003ETaxSlayer Simply Free\u003C\u002Ftd\u003E\u003Ctd\u003EA free tax software option for W-2 filers with no dependents or deductions\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cbr\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003EH&amp;R Block Free Online\u003C\u002Ftd\u003E\u003Ctd\u003EA free tax software for students and most filling needs\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cbr\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003ETurbotax Free Edition \u003C\u002Ftd\u003E\u003Ctd\u003EThe best alternative free tax software for simple filers\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cbr\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003ETaxACT Free\u003C\u002Ftd\u003E\u003Ctd\u003EAn IRS free file eligible free tax software\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cbr\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Which free tax software is right for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"a44ae300-6f0f-4277-a6fb-3c202fbbcd0c\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are only three options when it comes to filing taxes:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EManual filing: Manual tax filing is cut and dry. It is done by completing IRS Form 1040, known as the Individual Tax Return form. Once it is completed, it is mailed to the IRS. However, paper tax returns are the slowest to process. The IRS had a backlog of \u003Ca href="https:\u002F\u002Fwww.taxpayeradvocate.irs.gov\u002Fnews\u002Fnta-blog-irs-delays-in-processing-amended-tax-returns-are-impacting-tass-ability-to-assist-taxpayers\u002F"\u003Enearly 3 million\u003C\u002Fa\u003E amended tax returns and a processing time of 20 weeks in the fourth quarter of 2021.&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EUsing a tax preparation service or tax professional: Numerous tax preparation services and professionals aid you in your quest during tax season. Some individuals opt for professional services to help them wade through the sea of forms and tax jargon -- tax credits and \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fyour-home-office-deductions-checklist\u002F"\u003Edeductions\u003C\u002Fa\u003E.&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EUsing tax software programs: \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-tax-software\u002F"\u003ETax software programs\u003C\u002Fa\u003E are also a popular option. Many online programs are offered to help walk people through filing their taxes electronically. Of course, many of these software programs come with a cost, but it may be well worth the small investment to receive your tax refund faster. Plus, most tax software programs have fail-safe checks that ensure accuracy and maximize your deductions.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"How do you file taxes?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"89258593-61e1-4370-8d11-f01a029c7ee8\" data-edition=\"us\" data-description=\"\u003Cp\u003EYes, there are other free tax software options if you're looking for online filing. Here are more&nbsp;alternatives.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Are there alternative free tax software options?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"790e4a67-f7f3-4d26-b523-3fef345f985e\" data-edition=\"us\" data-description=\"\u003Cp\u003EAn alternative free tax software for free federal returns.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"FreeTax USA\" data-imagegroup=\"{"alt":"FreeTaxUSA","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Kayla Solino\u002FZDNET","imageData":{"id":"26eb9d07-2116-4362-b561-640fc72fb43e","title":"FreeTaxUSA","filename":"img-4167.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F02\u002F07\u002F26eb9d07-2116-4362-b561-640fc72fb43e\u002Fimg-4167.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2040642,"width":4032,"height":3024,"dateCreated":{"date":"2024-02-07 22:15:18","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2024-02-07 22:15:35","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Kayla Solino\u002FZDNET","alt":"FreeTaxUSA","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"26eb9d07-2116-4362-b561-640fc72fb43e","imageAltText":"FreeTaxUSA","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Kayla Solino\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"img-4167.jpg","imageDateCreated":"2024\u002F02\u002F07","imageWidth":4032,"imageHeight":3024,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Kayla Solino\u002FZDNET\" data-linktext=\"Best alternative free tax software for federal returns\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fwww.anrdoezrs.net\u002Fclick-9041660-12306188-1488993974000?sid=subid_value","offerMerchant":"Freetaxusa","offerPrice":"","offerPriceRange":"","offerPriceText":"","offerType":"Single Product","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.freetaxusa.com\u002F","url":"https:\u002F\u002Fwww.anrdoezrs.net\u002Fclick-9041660-12306188-1488993974000?sid=subid_value"}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"feea40c8-a3d5-4f92-b2ea-8397e0050dc7\" data-edition=\"us\" data-description=\"\u003Cp\u003EA paid alternative tax software which offers online and in-person services.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Liberty Tax\" data-imagegroup=\"{"alt":"Liberty Tax","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Kayla Solino\u002FZDNET","imageData":{"id":"75ae2620-d3a6-483e-a5a2-8efd0bdd4198","title":"Liberty Tax","filename":"img-4168.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F02\u002F07\u002F75ae2620-d3a6-483e-a5a2-8efd0bdd4198\u002Fimg-4168.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2319891,"width":4032,"height":3024,"dateCreated":{"date":"2024-02-07 22:20:23","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2024-02-07 22:20:38","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Kayla Solino\u002FZDNET","alt":"Liberty Tax","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"75ae2620-d3a6-483e-a5a2-8efd0bdd4198","imageAltText":"Liberty Tax","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Kayla Solino\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"img-4168.jpg","imageDateCreated":"2024\u002F02\u002F07","imageWidth":4032,"imageHeight":3024,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Kayla Solino\u002FZDNET\" data-linktext=\"Best alternative tax software\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fwww.kqzyfj.com\u002Fclick-9041660-15397046-1676052324000?sid=subid_value","offerMerchant":"Libertytax","offerPrice":"","offerPriceRange":"","offerPriceText":"","offerType":"Single Product","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.libertytax.com\u002F","url":"https:\u002F\u002Fwww.kqzyfj.com\u002Fclick-9041660-15397046-1676052324000?sid=subid_value"}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e382c982-fcf6-4ec1-ab3e-25449915a214\" data-edition=\"us\" data-description=\"\u003Cp\u003EFor the 2024 tax filing season, individuals who made $79,000 or less in 2023 can file for&nbsp;\u003Ca href="https:\u002F\u002Fapps.irs.gov\u002Fapp\u002FfreeFile\u002F"\u003Efree with the IRS\u003C\u002Fa\u003E. This income threshold applies to all tax filing statuses, and the income limit refers to your adjusted gross income (AGI), not your gross income.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Can you file with the IRS for free?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"a826d099-1340-4de1-ac3a-e14f53fb894c\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe 2024 tax filing season began Jan. 29.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EAnd the sooner you file, the sooner you can expect to receive your refund (if you're due one). Numerous tax preparation services and professional tax preparers are available to help you check off filing this tax season. Some services may come with a fee depending on the tax situation, and the more complicated your tax filing needs are (dealing with less common forms and schedules), the more likely you will benefit the most from professional tax services.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe tax process can be simple, manageable, and potentially free for individuals with less complicated tax filings, such as W-2 employees. Many top-tier tax preparation services offer free editions for simple tax filers who qualify.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWhether you file using online tax software or a tax professional, you still have to do most of the legwork to get organized. Make tax filing easier by getting organized in advance in a few ways:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EFind and review the previous year's tax return: Last year's tax return can be a good starting point to determine what type of deductions you took and what figures and documents you may need to collect for the current year. &nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ESave and categorize your receipts: If you plan on taking deductions for specific categories such as medical or work-related expenses, keep your receipts organized by categories such as uniforms, dry cleaning, prescription drugs, and more.&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EDownload your tax forms: You could always wait to receive your 1099s in the mail or download them for free from the financial institution issuing them. Some of the most common 1099s you may receive are for your investments and interest earned through your bank or credit union.&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EStore all of your information in a safe, accessible place: As you gather everything you need to do your taxes, set aside your stash in a safe, easily accessible place. Prepping your information beforehand will do you no good if you can't find it later.&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"How to prepare for tax season\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"2fe474a4-8224-4134-a3e2-33b445a9dec8\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe 2024 tax filing season officially began on Jan. 29, 2024.\u003C\u002Fp\u003E\" data-hed=\"When does the 2024 tax filing season begin?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"07b55a0b-58eb-466f-bcd2-b66801a80e49\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe deadline for \u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fhow-to-file-your-taxes-step-by-step"\u003Efiling your federal income tax return\u003C\u002Fa\u003E is Apr. 15, 2024, for residents of every state except Maine and Massachusetts, where residents will have until Apr. 17, 2024, due to state holidays. The filing deadline can be moved to Oct. 15, 2024, if you request a six-month \u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fforms-pubs\u002Fabout-form-4868"\u003Etax extension using Form 4868\u003C\u002Fa\u003E by Apr. 15, 2024.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EDespite any extension, Apr. 15 remains the date you must pay your taxes owed. Even if you submit a request for an extension, you still must pay your taxes by Apr. 15, 2024. \u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fforms-pubs\u002Fextension-of-time-to-file-your-tax-return"\u003EA tax extension\u003C\u002Fa\u003E gives you more time to submit your return, not pay your taxes.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ERead more: \u003C\u002Fstrong\u003E\u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fhow-to-file-your-taxes-step-by-step"\u003E\u003Cstrong\u003EHow to file your taxes via the IRS\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\" data-hed=\"When are 2024 taxes due?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ffe63284-e3b5-43a5-b5ac-5669893133f9\" data-edition=\"us\" data-description=\"\u003Cp\u003EIt's best to file your taxes as soon as possible for a few reasons. Not only are you more likely to see a speedier return the earlier you file, but filing well before the deadline gives you plenty of time to prepare payment for any taxes you may owe. And if you're expecting a return, \u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fnewsroom\u002Ffiling-season-statistics-for-week-ending-may-13-2022"\u003EIRS data\u003C\u002Fa\u003E shows that taxpayers who file by \u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fnewsroom\u002Ffiling-season-statistics-for-week-ending-february-25-2022"\u003Elate February\u003C\u002Fa\u003E receive larger refunds than those who file later.\u003C\u002Fp\u003E\u003Cp\u003EFiling as soon as you can also gets it off your to-do list and gives you extra time should there be any errors or mistakes that may need to be corrected. Early filing can provide additional protection to avoid being a victim of tax refund fraud, too (filing early won't 100% ensure fraud protection, but getting ahead of your tax filing means an identity thief will have a slimmer chance of using your Social Security number before you do).&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Is it better to file taxes early or late?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"30f3fbbf-7797-41bd-8829-a391eb3cba72\" data-edition=\"us\" data-description=\"\u003Cp\u003EMost large tax services provide a limited free version of their software for simple tax filings without too many credits or deductions. In most cases, the tax service only offers free federal taxes, which means filing state taxes will incur an additional fee. Individuals with substantive investments or freelancer workers may also need to pay other fees for more complicated tax filings not supported by basic offerings.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Is free tax software really free?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e0072c74-3562-4003-8a8e-3e577e4da2ab\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe "best" tax software will ultimately come down to your individual needs for tax filing. What may be the best service for you might not be best for someone else. However, Cash App Taxes, formerly Credit Karma Tax, offers free tax filing for the broadest range of solutions, credits, and deductions. ZDNET's research revealed several other solid options incorporated into this list.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is the best free tax software?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"37cef5b3-4a8c-475e-bb64-04bb151ba853\" data-edition=\"us\" data-description=\"\u003Cp\u003ETypically, a simple tax return typically contains a single W-2 income, may include limited interest and dividend income, and doesn't require itemized deductions (standard deductions only). This definition may differ across filing programs, but a simple tax return is in essence, the most basic type of tax return you can file.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is a simple tax return?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b09da4ea-d41e-4d7a-9e1b-3ae826bf12eb\" data-edition=\"us\" data-description=\"\u003Cp\u003EGenerally, most online tax software services will give you the option to make changes to a tax return if you've spotted a mistake or filed incorrectly. You'll need to log onto your platform of choice and look for the option to amend the return. In some instances, you may need to contact customer service for help and assistance in filing an amended return.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Can I amend my tax return?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"d03e1067-5b7b-4274-9110-d0d8b757d7cf\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe quickest way to receive a tax refund is by filing your return online and selecting direct deposit as the refund method of choice. The process will take \u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-news\u002Fat-01-48.pdf"\u003Eless than three weeks\u003C\u002Fa\u003E per the IRS, and you won't have to worry about the check getting lost in the mail. If you would rather mail in your tax return, your refund will take longer -- about six to eight weeks after it's received by the IRS.\u003C\u002Fp\u003E\" data-hed=\"How long does it take to get a tax refund?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2050571\" data-copy=\"ZDNET Recommends\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"54e22bf9-9793-4e75-8a5e-a64e30aaf5b4\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F54e22bf9-9793-4e75-8a5e-a64e30aaf5b4\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-04-01 12:00:25",timezone:"UTC",updated:c,published:c},description:"Tax Day is almost here. That's why ZDNET rounded up the best free online tax software services that provide guidance and filing for those with simple returns.",filterKey:"03c423c4-f47c-4771-ab2c-dd13f34c421b",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"577417fd-8ca8-4526-af4b-8f22cd2599eb",image:{id:"65ab79dc-8622-4371-ba33-9c8fa9652a1a",filename:"img-4165.jpg",dateCreated:{created:c,date:"2024-02-07 22:13:50",timezone:"UTC",updated:c,published:c},alt:"TurboTax",credits:"Kayla Solino\u002FZDNET",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F02\u002F07\u002F65ab79dc-8622-4371-ba33-9c8fa9652a1a\u002Fimg-4165.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:4032,height:3024,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Taxes",relatedItems:[]},name:b,promoTitle:"The best free tax software for filing your taxes",section:b,slug:"best-free-tax-software",startYear:c,summary:b,title:"The best free tax software of 2024",topic:{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"a4c60cb0-1265-4fd2-bbc6-960ba1bca457",username:"abeaty",profileUrl:c,email:c,firstName:"Artie",lastName:"Beaty",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"e162cc7e-cfeb-49ed-8d5a-d98d162d327e",filename:"artie.jpg",dateCreated:{created:c,date:"2023-06-08 15:26:03",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F06\u002F08\u002Fe162cc7e-cfeb-49ed-8d5a-d98d162d327e\u002Fartie.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Artie Beaty is a freelance writer, based just outside Charlotte, with a passion for smart home tech and tech news. He has a bachelor's in journalism from UNC Charlotte and has been writing for over 15 years. On the weekends you'll find him leading haunted ghost tours of uptown Charlotte.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"2072cabf-4e51-4a74-9388-3f882f65ec6a\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003EThe Internal Revenue Service's Direct File supports smartphones, tablets, and computers.\u003C\u002Fp\u003E\" data-image-credit=\"The Internal Revenue Service\" data-image-alt-text=\"direct-file.png\" data-image-filename=\"direct-file.png\" data-image-date-created=\"2024\u002F03\u002F12\" data-image-width=\"2966\" data-image-height=\"1884\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EDo you dread \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Ftaxes\u002Fbest-free-tax-software\u002F\" target=\"_blank\"\u003Edoing your own taxes\u003C\u002Fa\u003E and cringe when you see how much someone will charge to prepare them for you? You may be able to use an easier, more affordable option this year.\u003C\u002Fp\u003E\u003Cp\u003EStarting this tax season, 12 states are piloting \u003Ca href=\"https:\u002F\u002Fdirectfile.irs.gov\u002F\" target=\"_blank\"\u003EDirect File\u003C\u002Fa\u003E, a new service from the IRS. If you have a basic W-2 return and claim the standard deduction, you may be able to use Direct File to file your taxes for free.\u003C\u002Fp\u003E\u003Cp\u003EDirect File is available in English and Spanish, and works with smartphones, tablets, and computers. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Ftaxes\u002Fbest-free-tax-software\u002F\" target=\"_blank\"\u003EThe best free tax software for filing your taxes\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EThe tool provides a step-by-step guide to help you understand your taxes, the IRS says, and even has live online support from IRS staff from Monday to Friday, 7 a.m. to 10 p.m. Eastern time. Support agents can't give tax advice, but they can help with technical issues, clarify tax terms, and explain forms that Direct File refers to.\u003C\u002Fp\u003E\u003Cp\u003EDirect File is only available for federal taxes. If your state requires you to also file taxes, you'll need to do those separately. Thankfully, the IRS has partnered with some states to help you transfer your federal tax information to your state's online tax tool.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2051361\" data-copy=\"ZDNET Tech Today\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EDirect File is currently available in:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EArizona \u003C\u002Fli\u003E\u003Cli\u003ECalifornia \u003C\u002Fli\u003E\u003Cli\u003EFlorida \u003C\u002Fli\u003E\u003Cli\u003EMassachusetts \u003C\u002Fli\u003E\u003Cli\u003ENevada \u003C\u002Fli\u003E\u003Cli\u003ENew Hampshire\u003C\u002Fli\u003E\u003Cli\u003ENew York \u003C\u002Fli\u003E\u003Cli\u003ESouth Dakota \u003C\u002Fli\u003E\u003Cli\u003ETennessee \u003C\u002Fli\u003E\u003Cli\u003ETexas \u003C\u002Fli\u003E\u003Cli\u003EWashington \u003C\u002Fli\u003E\u003Cli\u003EWyoming\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EThe IRS plans to add support for more states in the coming years. Approximately 33% of all federal filers in these states, the Treasury Department says, or 19 million people, will be able to take advantage of Direct File in 2024 for the 2023 tax year. The IRS is aiming for Direct File to get at least 100,000 users. \u003C\u002Fp\u003E\u003Cp\u003ETo take advantage of Direct File, visit \u003Ca href=\"https:\u002F\u002Fdirectfile.irs.gov\u002F\" target=\"_blank\"\u003Ehttps:\u002F\u002Fdirectfile.irs.gov\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Cp\u003EDirect File is just the beginning of the IRS' efforts to offer alternatives to tax prep services like \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Ftaxes\u002Freview-turbotax-2022\u002F\" target=\"_blank\"\u003ETurboTax\u003C\u002Fa\u003E and H&R Block. The IRS is only starting in a handful of states for certain tax situations, but the goal is to learn from taxpayers who participate so the process can be expanded in the future.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-03-12 15:36:00",timezone:"UTC",updated:c,published:c},description:"As tax season begins, filing just got a lot easier and more affordable for millions of Americans.",filterKey:"03c423c4-f47c-4771-ab2c-dd13f34c421b",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"82503208-20a9-46fa-8e4f-e4c3c52a2e46",image:{id:"2072cabf-4e51-4a74-9388-3f882f65ec6a",filename:"direct-file.png",dateCreated:{created:c,date:"2024-03-12 15:28:30",timezone:"UTC",updated:c,published:c},alt:"direct-file.png",credits:c,caption:"\u003Cp\u003EThe Internal Revenue Service's Direct File supports smartphones, tablets, and computers.\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F03\u002F12\u002F2072cabf-4e51-4a74-9388-3f882f65ec6a\u002Fdirect-file.png",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2966,height:1884,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Finance^Taxes",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"irs-launches-direct-file-service-in-12-states-to-file-your-taxes-totally-free-online",startYear:c,summary:b,title:"IRS launches Direct File in 12 states so you can file your taxes online for free",topic:{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:a,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"68ccd102-8d5e-4daf-9f80-fcafe61450f3",username:"NRaemont",profileUrl:c,email:c,firstName:"Nina",lastName:"Raemont",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"f78d2f67-7414-4609-8770-af02101c2076",filename:"nina-raemont-headshot.jpg",dateCreated:{created:c,date:"2023-08-03 18:59:12",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F08\u002F03\u002Ff78d2f67-7414-4609-8770-af02101c2076\u002Fnina-raemont-headshot.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Nina Raemont is a ZDNET Associate Editor based in New York City. She was formerly an Associate Writer for CNET. She is a graduate of the University of Minnesota. In her spare time, she's in her kitchen, trying a new baking recipe.",profile:c,title:"Associate Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003ETax season has arrived, and with it comes the dread of filing your tax return -- and worse, the fear of filing incorrectly and getting audited. You've got about a month and a half left before you'll need to send in your tax return, so to avoid delays and procrastination, you might want to get a head start soon. \u003C\u002Fp\u003E\u003Cp\u003ELuckily, there are tax filing services and software that make the process that can be complicated and stressful more simple and streamlined. Whether you've been filing for decades and finally want a service to assist you, you're a freelancer, or you're a first-time filer, these software options could make your life -- and tax season -- far easier this year. We also include free services, and address frequently asked tax return questions, like whether you should use a CPA instead of one of these softwares.\u003C\u002Fp\u003E\u003Cp\u003EZDNET scoured the web to learn which tax software is the best for people to use in 2024. Our pick for the best tax software overall goes to \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"afb5283b-3237-4cfb-a9d4-b209bcd80a02\" data-raw-url=\"https:\u002F\u002Fturbotax.intuit.com\u002F\" data-link-shortcode-text=\"TurboTax\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E for its longstanding popularity, educational resources, and expert assistance. But, because everyone's financial situation is different, there are also other options that would be useful for business owners, freelancers, and simple filers. Keep reading to learn more. \u003C\u002Fp\u003E\u003Ch2\u003EBest tax software of 2024\u003C\u002Fh2\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"0fafc087-4c62-4e98-9003-c873ab97ff53\" data-edition=\"us\" data-description=\"\u003Cp\u003ETurboTax is one of the most popular tax software filing option due to its easy-to-use UI, its in-app support features for different filing situations and trackers, and the expert assistance option you can use for an additional cost. It's also the most costly option on this list, and Intuit, its owner, ran into some trouble \u003Ca href="https:\u002F\u002Fwww.ftc.gov\u002Fnews-events\u002Fnews\u002Fpress-releases\u002F2024\u002F01\u002Fftc-issues-opinion-finding-turbotax-maker-intuit-inc-engaged-deceptive-practices"\u003Ewith the FTC\u003C\u002Fa\u003E for falsely advertising its products as free, when only a portion of the population qualified for the free services.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EBut there's a reason it seems like everyone uses the tax filing software. Year after year TurboTax keeps your data and imports previous data into this year's return, so updating your documents takes less time. It's great for freelancers and self-employed people to upload receipts and manage deductions, and simple filing is easy with seamless imports of W-2s and PDFs, too. &nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe platform offers plenty of educational resources that elucidate the muddy process of tax returns, like a tax bracket calculator, a self-employed expense estimator, and information on the latest tax law changes.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EYou can find free versions for simple filings like W-2 income, child tax credits, earned income credits, and other standard deductions. The Deluxe option that starts at $39 offers all that the free filing offers plus itemized deductions. The Premier option offers the aforementioned filings, plus rental and investment income filings for $69. And the Self-Employed option offers all you need for filing as a freelancing or self-employed individual for $89. If you want extra help filing your taxes but want to do the bulk of it yourself, you can purchase the Live Assisted option that varies from $0 to $169, depending on your situation. Or you could get TurboTax to do everything for you for a starting price of $89.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EFree filing is possible, but your filing has to be pretty bare bones, so any sort of charitable donation, freelance gig, unemployment income, or complex form you file will cost you more. But if you are a W-2 worker, have dependents, and pay rent, you could qualify to file your taxes for free with TurboTax.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"TurboTax\" data-superlative=\"Best tax software overall\" data-imagegroup=\"{"alt":"TurboTax on a phone","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Getty Images\u002FZDNET","imageData":{"id":"7c1be75b-cc37-4c64-9e51-53d78a10c11f","title":"TurboTax","filename":"gettyimages-940325272.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F02\u002F08\u002F7c1be75b-cc37-4c64-9e51-53d78a10c11f\u002Fgettyimages-940325272.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":92402,"width":1024,"height":683,"dateCreated":{"date":"2024-02-08 18:36:45","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2024-02-08 18:37:00","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Getty Images\u002FZDNET","alt":"TurboTax on a phone","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"7c1be75b-cc37-4c64-9e51-53d78a10c11f","imageAltText":"TurboTax on a phone","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Getty Images\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"gettyimages-940325272.jpg","imageDateCreated":"2024\u002F02\u002F08","imageWidth":1024,"imageHeight":683,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Getty Images\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"TurboTax","offerPrice":"","offerPriceRange":"","offerPriceText":"","offerType":"Single Product","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fturbotax.intuit.com\u002Fpersonal-taxes\u002Fonline\u002Flive\u002F","url":""}]\" data-usepricing=\"false\" data-like=\"~ Easy to import receipts and data from last year ~ Live Assist tax expert available (for a fee) ~ App support\" data-dislike=\"~ Most expensive option ~ Misleading advertising\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"083051ed-891f-4f05-b02a-b357048f1bae\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you're willing to spend some money to file your taxes and get additional support, but don't want to spend TurboTax-level money on your tax return, H&amp;R Block offers many of the same features as TurboTax but at a lower price.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EH&amp;R Block offers four different filing plans: Free, which covers simple returns, students, unemployment income, W-2 employees, and child tax credit forms; Deluxe, which covers everything the Free version does as well as more complex tax situations, like health savings accounts, real estate taxes, and mortgage interest ($35 plus $37 per state filed); Premium ($65 plus $37 per state filed), which covers everything Deluxe covers, plus simple investment reporting tools; and Self-Employed ($85 plus $37 per state filed), which offers simple income reporting to accurately report your business's profits and losses.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe Deluxe, Premium, and Self-Employed options also come with an AI Tax Assist feature to connect filers with a generative AI bot that the company says can help them troubleshoot common filing issues before they have to call up an expert.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EH&amp;R Block recently launched a new importing feature called Direct Import that helps new customers take last year's tax information from another tax software, like TurboTax, and easily import it into this year's documents.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EYou can also pay for Tax Pro Review, an additional service that pairs you with a professional who can check your work before you send in your return. With thousands of offices in the US to visit and address any tax-related concerns, a reliable reputation, and an affordable price, H&amp;R Block is a safe choice for simple to complex tax return filings.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"H&R Block\" data-superlative=\"Best runner-up tax software\" data-imagegroup=\"{"alt":"H&R Block Mouse pad","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Getty Images\u002FZDNET","imageData":{"id":"3c528cad-0c33-486b-b25b-9991a17e6c16","title":"H&R Block","filename":"gettyimages-97563023.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F02\u002F08\u002F3c528cad-0c33-486b-b25b-9991a17e6c16\u002Fgettyimages-97563023.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":126649,"width":1024,"height":683,"dateCreated":{"date":"2024-02-08 18:38:12","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2024-02-08 18:38:33","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Getty Images\u002FZDNET","alt":"H&R Block Mouse pad","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"3c528cad-0c33-486b-b25b-9991a17e6c16","imageAltText":"H&R Block Mouse pad","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Getty Images\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"gettyimages-97563023.jpg","imageDateCreated":"2024\u002F02\u002F08","imageWidth":1024,"imageHeight":683,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Getty Images\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Flinkto.hrblock.com\u002Fc\u002F159047\u002F391260\u002F5683?&sharedid=zdnet&partnerpropertyid=1980086&u=https%3A%2F%2Fwww.hrblock.com%2Ffiling-options-and-products%2F&subId1=subid_value","offerMerchant":"HRblock","offerPrice":"","offerPriceRange":"","offerPriceText":"","offerType":"Single Product","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.hrblock.com\u002Ffiling-options-and-products\u002F","url":"https:\u002F\u002Flinkto.hrblock.com\u002Fc\u002F159047\u002F391260\u002F5683?&sharedid=zdnet&partnerpropertyid=1980086&u=https%3A%2F%2Fwww.hrblock.com%2Ffiling-options-and-products%2F&subId1=subid_value"}]\" data-usepricing=\"true\" data-like=\"~ More affordable than TurboTax ~ Thousands of office locations in the US ~Tax pro options for checking your return ~ Great for simple and complex returns\" data-dislike=\"Some people report long callback times and phone tag for Tax Pro Review\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"5b5e65f7-75fa-403b-947d-5fc61bfe6073\" data-edition=\"us\" data-description=\"\u003Cp\u003ECash App Taxes isn't kidding when it tells you its service is 100% free. You won't need to upgrade to a paid tier or face hidden fees as you file, and both state and federal tax filings are free of charge. You will have to download and register for Cash App first to begin using the service, however.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ECash App Taxes is ideal for a simple filer who is familiar with filing their taxes and doesn't want to pay a dime to do it. I'd recommend opting for another tax filing software if you have any complex returns because Cash App Taxes does not support many complex situations, like multi-state filing, nonresident filing, prior year return filing, and more. It will also defend you if you get audited while filing through Cash App Taxes for free.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Ftaxes\u002Fbest-free-tax-software\u002F"\u003E\u003Cstrong\u003EThe best free tax software\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003Cstrong\u003E&nbsp;\u003Cbr\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\" data-hed=\"Cash App Taxes\" data-superlative=\"Best free tax software\" data-imagegroup=\"{"alt":"Cash App against white backdrop","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Getty Images\u002FZDNET","imageData":{"id":"7e4ca27e-7b1a-42ec-bb80-15ca56956e97","title":"Cash App Taxes","filename":"gettyimages-1950274345.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F02\u002F08\u002F7e4ca27e-7b1a-42ec-bb80-15ca56956e97\u002Fgettyimages-1950274345.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":71979,"width":1024,"height":683,"dateCreated":{"date":"2024-02-08 18:41:20","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2024-02-08 18:41:36","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Getty Images\u002FZDNET","alt":"Cash App against white backdrop","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"7e4ca27e-7b1a-42ec-bb80-15ca56956e97","imageAltText":"Cash App against white backdrop","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Getty Images\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"gettyimages-1950274345.jpg","imageDateCreated":"2024\u002F02\u002F08","imageWidth":1024,"imageHeight":683,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Getty Images\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Cash App","offerPrice":"","offerPriceRange":"","offerPriceText":"","offerType":"Single Product","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fcash.app\u002Ftaxes","url":""}]\" data-usepricing=\"false\" data-like=\"~ 100% free ~ No hidden fees or paid upgrades ~ Great for simple filing\" data-dislike=\"~ Required to download and register for the app\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"71fefdee-e669-4aee-8721-72560a13f7c0\" data-edition=\"us\" data-description=\"\u003Cp\u003EFreeTaxUSA seems to be the underdog of tax season if you spend any time on Reddit tax threads. If you aren't keen on Cash App Taxes' totally free service but still want an affordable choice, FreeTaxUSA is your best bet. Federal filing costs you $0 and state filing starts at $15. From there, you can choose the deluxe option which offers live chat with support agents (note that these aren't tax professionals) and unlimited amended returns for $8. Or you can opt for the Pro Support for $40 for screen shares, phone calls and general tax advice from a professional.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWe'd recommend FreeTaxUSA to people who have filed their own taxes before and know the ropes of their tax return. Unlike TurboTax and H&amp;R Block, Free Tax offers less support and educational resources, so you're more on your own with this tax software compared to other options.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIf you used another service the year prior, FreeTaxUSA supports PDF imports from years prior to make the filing process as easy as can be. If you have a simple filing this year and are an experienced filer, FreeTaxUSA could be your best friend.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"FreeTaxUSA\" data-superlative=\"Best affordable tax software\" data-imagegroup=\"{"alt":"FreeTaxUSA logo against white backdrop","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"FreeTaxUSA\u002FZDNET","imageData":{"id":"f7b37f61-deb7-4e95-9502-6c1b3d2e3112","title":"FreeTaxUSA","filename":"screenshot-2024-02-08-at-3-49-13pm.png","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F02\u002F08\u002Ff7b37f61-deb7-4e95-9502-6c1b3d2e3112\u002Fscreenshot-2024-02-08-at-3-49-13pm.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":169582,"width":799,"height":438,"dateCreated":{"date":"2024-02-08 20:49:52","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2024-02-08 20:50:15","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fpng","deleted":false,"credits":"FreeTaxUSA\u002FZDNET","alt":"FreeTaxUSA logo against white backdrop","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"f7b37f61-deb7-4e95-9502-6c1b3d2e3112","imageAltText":"FreeTaxUSA logo against white backdrop","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"FreeTaxUSA\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"screenshot-2024-02-08-at-3-49-13pm.png","imageDateCreated":"2024\u002F02\u002F08","imageWidth":799,"imageHeight":438,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"FreeTaxUSA\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fwww.anrdoezrs.net\u002Flinks\u002F9041660\u002Ftype\u002Fdlg\u002Fsid\u002Fsubid_value\u002Fhttps:\u002F\u002Fwww.freetaxusa.com\u002Fpricing","offerMerchant":"FreeTaxUSA","offerPrice":"","offerPriceRange":"","offerPriceText":"","offerType":"Single Product","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.freetaxusa.com\u002Fpricing","url":"https:\u002F\u002Fwww.anrdoezrs.net\u002Flinks\u002F9041660\u002Ftype\u002Fdlg\u002Fsid\u002Fsubid_value\u002Fhttps:\u002F\u002Fwww.freetaxusa.com\u002Fpricing"}]\" data-usepricing=\"true\" data-like=\"~ Affordable alternative ~ Shows you what your forms will look like as you file\" data-dislike=\"~ Not good with complex filings\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"13fc36a5-e121-4700-86af-8e25a34c575f\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you own businesses or have complex investment income, your tax return is going to look more complicated, and filing won't be as easy as reporting a W-2. You need tax software that is affordable but can handle the heavy load of a complex return. Jackson Hewitt is a great candidate: it offers a $25 flat filing fee and unlimited state returns. Plus, with locations around the country (and many located in Walmarts) you can turn in your tax return and have your work checked by a professional.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe downside of Jackson Hewitt is the service doesn't provide as much assistance as TurboTax or H&amp;R Block, so if you're not an experienced filer, it may not be the best choice for you.\u003C\u002Fp\u003E\" data-hed=\"Jackson Hewitt\" data-superlative=\"Best tax software for complex returns\" data-imagegroup=\"{"alt":"Jackson Hewitt on phone","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Getty Images\u002FZDNET","imageData":{"id":"07bed1b2-3c03-44b5-986f-7f6fb4baf7a6","title":"Jackson Hewitt","filename":"gettyimages-1251435897.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F02\u002F08\u002F07bed1b2-3c03-44b5-986f-7f6fb4baf7a6\u002Fgettyimages-1251435897.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":101322,"width":1024,"height":683,"dateCreated":{"date":"2024-02-08 18:43:07","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2024-02-08 18:43:25","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Getty Images\u002FZDNET","alt":"Jackson Hewitt on phone","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"07bed1b2-3c03-44b5-986f-7f6fb4baf7a6","imageAltText":"Jackson Hewitt on phone","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Getty Images\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"gettyimages-1251435897.jpg","imageDateCreated":"2024\u002F02\u002F08","imageWidth":1024,"imageHeight":683,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Getty Images\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"JacksonHewitt","offerPrice":"","offerPriceRange":"","offerPriceText":"","offerType":"Single Product","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.jacksonhewitt.com\u002Ffile-taxes-options-products\u002Ffile-in-store\u002F","url":""}]\" data-usepricing=\"true\" data-like=\"~ $25 flat fee for filing your taxes, no matter the complexity ~ Locations in Walmarts\" data-dislike=\"~ Lack of mobile offerings\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"742ec694-b4cb-47ab-acf6-0f5648730219\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe best tax software is TurboTax for its customer support, different tiers, and easy to use UI. If you're a tax filing novice you can gain the information you need through their resources and support channels.&nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EBest\u003C\u002Fstrong\u003E \u003Cstrong\u003Etax\u003C\u002Fstrong\u003E \u003Cstrong\u003Esoftware\u003C\u002Fstrong\u003E \u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EPrice\u003C\u002Fstrong\u003E \u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EOptions\u003C\u002Fstrong\u003E \u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003ETurboTax \u003C\u002Ftd\u003E\u003Ctd\u003E$0-$169 for federal filings, $39 per state filing \u003C\u002Ftd\u003E\u003Ctd\u003EFree, Deluxe, Premier, and Self-Employed\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003EH&amp;R Block \u003C\u002Ftd\u003E\u003Ctd\u003E$0- $85 for federal filings, $37 per state filing \u003C\u002Ftd\u003E\u003Ctd\u003EFree, Deluxe, Premium, and Self-Employed \u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003ECash App Taxes \u003C\u002Ftd\u003E\u003Ctd\u003EFree for federal and state filing \u003C\u002Ftd\u003E\u003Ctd\u003EFree \u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003EFreeTax USA \u003C\u002Ftd\u003E\u003Ctd\u003E$0 for federal filing, and $15 per state filing \u003C\u002Ftd\u003E\u003Ctd\u003ESimple and complex filing options\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003EJackson Hewitt \u003C\u002Ftd\u003E\u003Ctd\u003EFlat fee of $25 \u003C\u002Ftd\u003E\u003Ctd\u003ESimple and complex filing options\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"What is the best tax software?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"bb5b24ec-49bb-477b-842f-5f50d3be2d25\" data-edition=\"us\" data-description=\"\u003Cp\u003EThat depends on your filing needs. Are you aiming to do your own taxes, or want a professional to help you along? Do you have a simple tax return situation? Or do you have investments and rental income you need to report. This all impacts which tax software is right for you.&nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EChoose\u003C\u002Fstrong\u003E \u003Cstrong\u003Ethis\u003C\u002Fstrong\u003E \u003Cstrong\u003Etax\u003C\u002Fstrong\u003E \u003Cstrong\u003Esoftware...\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EIf\u003C\u002Fstrong\u003E \u003Cstrong\u003Eyou\u003C\u002Fstrong\u003E \u003Cstrong\u003Ewant...\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003ETurboTax \u003C\u002Ftd\u003E\u003Ctd\u003EThe best option overall. With options for filing on your own, getting help when you need it, and having somebody else do your taxes themselves, TurboTax offers you great support and helpful resources that make filing a pinch. This is the most expensive option, however.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003EH&amp;R Block \u003C\u002Ftd\u003E\u003Ctd\u003EThe runner-up tax software option. H&amp;R Block offers locations all around the country and is far more affordable than TurboTax. There are plenty of educational resources and assistance if you get stuck.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003ECash App Taxes \u003C\u002Ftd\u003E\u003Ctd\u003EA completely free option for both federal and state tax return filing. \u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003EFreeTax USA \u003C\u002Ftd\u003E\u003Ctd\u003EAn affordable option for simple filing. This tax software is best for people who know the ropes of their tax return and don't need the handholding that TurboTax or H&amp;R Block offers with its customers.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003EJackson Hewitt \u003C\u002Ftd\u003E\u003Ctd\u003EA tax software that can handle complex filings. \u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Which tax software is right for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"15b312cf-f4ed-46d1-9a45-04ef1f7ab514\" data-edition=\"us\" data-description=\"\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EPrice: \u003C\u002Fstrong\u003EWe considered tax software that offered free filings and reasonable prices on paid tiers. The average person will spend around $240 on their tax return a year, \u003Ca href="https:\u002F\u002Fwww.taxpayeradvocate.irs.gov\u002Fwp-content\u002Fuploads\u002F2023\u002F01\u002FARC22_MSP_Glance.pdf" target="_blank"\u003Eaccording to the IRS's Tax Payer Advocate\u003C\u002Fa\u003E, so we tried to find tax softwares that either met that pricepoint or were below it.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EAdditional resources: \u003C\u002Fstrong\u003EBecause of how complex tax filing can get, you sometimes need a person to walk you through a road block,&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ETiers: \u003C\u002Fstrong\u003EWe considered options for self-employed individuals, simple and complex filers, and people who want assistance as they file.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ECustomer reviews: \u003C\u002Fstrong\u003EWe consulted community forums like Reddit, as well as reviews and news about each tax software to see what the users actually think about filing with them. I also talked to ZDNET employees about which software they use and why.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"How did we choose these tax software options?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e6d0c8fb-f6cc-44b1-93af-73b1a7c43d5b\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe deadline for filing your 2023 tax return is Monday, April 15, 2024. Residents in Maine or Massachusetts have until April 17 to file their returns.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"When is Tax Day? \" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b7f08764-8296-4f79-9e36-e74157d1fd50\" data-edition=\"us\" data-description=\"\u003Cp\u003EA select number of tax providers are participating in the IRS Free File this year. If you're a taxpayer with an adjusted gross income of $79,000 or less in 2023, you can take advantage of IRS Free File. Those tax providers include 1040now, Drake (1040.com), exTaxReturn.com, FileYourTaxes.com, On-Line Taxes, TaxAct, TaxHawk (FreeTaxUSA), and TaxSlayer. Some providers even offer free state tax return prep, \u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fnewsroom\u002Firs-free-file-is-now-available-for-the-2024-filing-season"\u003Eaccording to the IRS\u003C\u002Fa\u003E. Check out ZDNET's list of the \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Ftaxes\u002Fbest-free-tax-software\u002F"\u003Ebest free tax software for 2024\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\" data-hed=\"Where can I file my taxes for free? \" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e46b6a31-0045-4b59-98dd-c82a22af819c\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe average tax refund last year was 3% less than the prior year, according to data from \u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fnewsroom\u002Ffiling-season-statistics-for-week-ending-dec-29-2023"\u003Ethe IRS\u003C\u002Fa\u003E, due to the phasing out of several pandemic-era federal benefit programs. This year, you could expect a little more money coming into your tax return.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EBecause of how high inflation was in 2023, the IRS adjusted its provisions, boosted the standard deduction, and raised its tax brackets by 7.1%. Some people could even expect to see 10% more get returned to them, \u003Ca href="https:\u002F\u002Fwww.cbsnews.com\u002Fnews\u002Ftax-refund-2024-what-to-expect-when-will-i-get\u002F"\u003EMark Steber\u003C\u002Fa\u003E, chief tax information officer at Jackson Hewitt, told CBS News. If your income wasn't in line with inflation last year, you could see a better tax return this year, Steber said in the article.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Will this year's tax refunds be larger than last year's? \" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"ad0d9ef8-7191-4a40-b9bd-6539eb8e9b2c\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe IRS says it takes up to 21 days for your refund on an e-filed return to get to you. To check the progress of your refund, visit \u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fwheres-my-refund"\u003EWhere's My Refund?\u003C\u002Fa\u003E&nbsp;\u003C\u002Fp\u003E\" data-hed=\"When will I get my refund? \" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c944b972-5f45-4dc7-979d-5d4077f02fd7\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you want to consider even more options for tax software, we compiled some other recommendations below.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Are there tax software alternatives worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"d57d7a5b-6cc3-46c1-b981-042bac14586f\" data-edition=\"us\" data-description=\"\u003Cp\u003EAnother tax software with helpful resources.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Liberty Tax\" data-imagegroup=\"{"alt":"Liberty Tax","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Kayla Solino\u002FZDNET","imageData":{"id":"75ae2620-d3a6-483e-a5a2-8efd0bdd4198","title":"Liberty Tax","filename":"img-4168.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F02\u002F07\u002F75ae2620-d3a6-483e-a5a2-8efd0bdd4198\u002Fimg-4168.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2319891,"width":4032,"height":3024,"dateCreated":{"date":"2024-02-07 22:20:23","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2024-02-07 22:20:38","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Kayla Solino\u002FZDNET","alt":"Liberty Tax","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"75ae2620-d3a6-483e-a5a2-8efd0bdd4198","imageAltText":"Liberty Tax","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Kayla Solino\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"img-4168.jpg","imageDateCreated":"2024\u002F02\u002F07","imageWidth":4032,"imageHeight":3024,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Kayla Solino\u002FZDNET\" data-linktext=\"Best tax software alternative\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Libertytax","offerPrice":"","offerPriceRange":"","offerPriceText":"","offerType":"Single Product","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.libertytax.com\u002F","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"f2f5dea3-7607-4ee1-804f-9618b1aa3d68\" data-edition=\"us\" data-description=\"\u003Cp\u003ETaxSlayer is an affordable option for easy filing.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"TaxSlayer\" data-imagegroup=\"{"alt":"TaxSlayer 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logo","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"49cc8248-bbc4-4036-9330-33b1748eebfa","imageAltText":"TaxSlayer logo","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"TaxSlayer\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"screenshot-2024-02-08-at-4-19-58pm.png","imageDateCreated":"2024\u002F02\u002F08","imageWidth":804,"imageHeight":440,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"TaxSlayer\u002FZDNET\" data-linktext=\"Best budget alternative\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Taxslayer","offerPrice":"","offerPriceRange":"","offerPriceText":"","offerType":"Single Product","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.taxslayer.com\u002F","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2050571\" data-copy=\"ZDNET Recommends\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-03-03 14:05:16",timezone:"UTC",updated:c,published:c},description:"The best tax filing software options from TurboTax, H&R Block, and more will help you file your taxes more easily -- and sometimes for free.",filterKey:"03c423c4-f47c-4771-ab2c-dd13f34c421b",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"00c71189-9e4f-4b4c-bea5-5b187cac16b0",image:{id:"b9b6ea49-ef12-48fc-89a7-0f8599b77eee",filename:"gettyimages-1205818979.jpg",dateCreated:{created:c,date:"2024-02-08 20:42:45",timezone:"UTC",updated:c,published:c},alt:"Person filing their taxs using a laptop and calculator",credits:"Getty Images\u002FZDNET",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F02\u002F08\u002Fb9b6ea49-ef12-48fc-89a7-0f8599b77eee\u002Fgettyimages-1205818979.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2121,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Taxes",relatedItems:[]},name:b,promoTitle:"The best tax software for a stress-free tax season",section:b,slug:"best-tax-software",startYear:c,summary:b,title:"The best tax software of 2024",topic:{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:i,slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"9d3e6108-0023-11e4-95d2-02911863765e",slug:"innovation",name:"Innovation",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"ab2ae5cc-62fd-4292-a0b0-fb223738c1de",username:"ksolino",profileUrl:c,email:c,firstName:"Kayla",lastName:"Solino",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"523fff3e-db1c-4997-8e16-2dfa40989bc3",filename:"img-2794.jpg",dateCreated:{created:c,date:"2023-10-02 14:47:16",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F10\u002F02\u002F523fff3e-db1c-4997-8e16-2dfa40989bc3\u002Fimg-2794.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Kayla Solino is a ZDNET Associate Editor based in New York City and New Jersey. She has a master's degree in journalism from the University of Alabama. Some of her past bylines include Inc., Fortune, and The Crimson White. In her spare time, she enjoys keeping up with all things Crimson Tide, binging British Bake Off, and baking.",profile:c,title:"Associate Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"066114bd-050d-49b1-b883-c45f00b33610\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003ESave 50% on H&amp;R Block's tax software packages at Best Buy today.&nbsp;\u003C\u002Fp\u003E\" data-image-credit=\"Kayla Solino\u002FZDNET\" data-image-alt-text=\"H&R block\" data-image-filename=\"img-4164.jpg\" data-image-date-created=\"2024\u002F02\u002F07\" data-image-width=\"4032\" data-image-height=\"3024\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe 2024 tax filing season is already underway, and if you're looking to do-it-yourself this year, now is a great time to snag savings on tax software. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"23caa052-7a41-4708-b8f4-d5b19854b9ff\" data-raw-url=\"https:\u002F\u002Fwww.bestbuy.com\u002Fsite\u002Fpromo\u002Fhr-block-software-savings\" data-link-shortcode-text=\"H&R Block offers several software packages\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E to make filing your taxes simple and easy. In fact, it's ZDNET's runner-up choice for best tax software of 2024.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Ftaxes\u002Fbest-free-tax-software\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EThe best free tax software\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EH&R Block offers four different filing plans: Free, which covers simple returns, students, unemployment income, W-2 employees, and child tax credit forms; Deluxe, which covers everything the Free version does as well as more complex tax situations, like health savings accounts, real estate taxes, and mortgage interest ($35 plus $37 per state filed); Premium ($65 plus $37 per state filed), which covers everything Deluxe covers, plus simple investment reporting tools; and Self-Employed ($85 plus $37 per state filed), which offers simple income reporting to accurately report your business's profits and losses. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Ftaxes\u002Fbest-tax-software\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EThe best tax software you can buy\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003Cstrong\u003E \u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EThe Deluxe, Premium, and Self-Employed options also come with an AI Tax Assist feature to connect filers with a generative AI bot that the company says can help them troubleshoot common filing issues before they have to call up an expert.\u003C\u002Fp\u003E\u003Cp\u003EAnd right now, Best Buy is offering four software bundles for Windows and Mac OS at 50% off, saving you up to $45: \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"246811f6-33ff-4368-993a-16eafbf97c1f\" data-raw-url=\"https:\u002F\u002Fwww.bestbuy.com\u002Fsite\u002Fh-r-block-tax-software-premium-2023-windows-mac-os-digital\u002F6561959.p?\" data-link-shortcode-text=\"Premium 2023\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E, \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"a06319e3-dec2-4a1a-97cc-9fcf2534dd7c\" data-raw-url=\"https:\u002F\u002Fwww.bestbuy.com\u002Fsite\u002Fh-r-block-tax-software-deluxe-state-2023-windows-mac-os-digital\u002F6561945.p?\" data-link-shortcode-text=\"Deluxe + State 2023\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E, \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"e1d0dbf7-c6b6-4246-ae7d-9b4efba5b054\" data-raw-url=\"https:\u002F\u002Fwww.bestbuy.com\u002Fsite\u002Fh-r-block-tax-software-deluxe-2023-windows-mac-os-digital\u002F6561935.p?\" data-link-shortcode-text=\"Deluxe 2023\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E, and \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"78cdf50f-e126-475f-9e43-257311d5146d\" data-raw-url=\"https:\u002F\u002Fwww.bestbuy.com\u002Fsite\u002Fh-r-block-tax-software-premium-business-2023-windows-digital\u002F6561960.p?\" data-link-shortcode-text=\"Premium & Business 2023\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"commercepromo\" data-id=\"c5482900-452f-4dde-8a97-d7502c024e8b\" data-edition=\"us\" data-hed=\"H&R Block Tax Software Deluxe Federal + State 2023 (PC\u002FMac Download) for $25 (save $25 at Best Buy) \" data-imagegroup=\"{"alt":"hr block software","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"H&R Block\u002FZDNET","imageData":{"id":"d5b47f85-96c9-4e8a-9c88-f1fffcc09ea3","filename":"screenshot-2024-02-13-at-12-40-14-pm-removebg-preview.png","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F02\u002F13\u002Fd5b47f85-96c9-4e8a-9c88-f1fffcc09ea3\u002Fscreenshot-2024-02-13-at-12-40-14-pm-removebg-preview.png","dateCreated":{"date":"2024-02-13 17:43:39","timezone":"UTC","timezone_type":3},"primeColor":null,"hasWarning":false},"uuid":"d5b47f85-96c9-4e8a-9c88-f1fffcc09ea3","imageFilename":"screenshot-2024-02-13-at-12-40-14-pm-removebg-preview.png","imageDateCreated":"2024\u002F02\u002F13"}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"H&R Block\u002FZDNET\" data-offerurl=\"https:\u002F\u002Fwww.bestbuy.com\u002Fsite\u002Fh-r-block-tax-software-deluxe-state-2023-windows-mac-os-digital\u002F6561945.p?skuId=6561945\" data-offerprice=\"25\" data-offermerchant=\"Best Buy\" data-techobjectinfo=\"{}\" data-usemonetization=\"true\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EBut don't wait, \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"fa6d8f92-46b2-46d4-9a40-99da96dafc49\" data-raw-url=\"https:\u002F\u002Fwww.bestbuy.com\u002Fsite\u002Fpromo\u002Fhr-block-software-savings\" data-link-shortcode-text=\"these software deals\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E will end today, as they are on sale for one day only as a part of Best Buy's deal of the day promotion. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"3aa16d16-8ccd-4f94-b2cc-91f3af21b2ff\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F3aa16d16-8ccd-4f94-b2cc-91f3af21b2ff\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-02-13 17:49:03",timezone:"UTC",updated:c,published:c},description:"Jump start your tax filing for 2024 and save 50% at Best Buy on H&R Block's software packages today only.",filterKey:"03c423c4-f47c-4771-ab2c-dd13f34c421b",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"71628493-80f3-46e0-9d45-a994ce48cb22",image:{id:"066114bd-050d-49b1-b883-c45f00b33610",filename:"img-4164.jpg",dateCreated:{created:c,date:"2024-02-07 22:13:01",timezone:"UTC",updated:c,published:c},alt:"H&R block",credits:"Kayla Solino\u002FZDNET",caption:"\u003Cp\u003ESave 50% on H&R Block's tax software packages at Best Buy today. \u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F02\u002F07\u002F066114bd-050d-49b1-b883-c45f00b33610\u002Fimg-4164.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:4032,height:3024,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"deals",hubTopicPathString:"Finance^Taxes",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"today-only-save-50-on-all-of-h-r-blocks-tax-software-at-best-buy",startYear:c,summary:b,title:"Today only: Save 50% on H&R Block's tax software at Best Buy",topic:{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"57b89c3b-5b67-4357-bd53-58c9f516a044",slug:"business",name:"Business",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"a1897105-61bd-4610-abb3-4804906d4a9a",slug:"home-and-office",name:"Home & Office",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"79d20c33-288c-4293-bd76-6dc00bae78c9",username:"alison.denisco",profileUrl:c,email:c,firstName:"Alison",lastName:"DeNisco Rayome",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"74de94eb-6040-4185-941f-3396a8db41a9",filename:"ad-headshot-800x600px.jpg",dateCreated:{created:c,date:"2016-08-31 13:36:07",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2016\u002F08\u002F31\u002F74de94eb-6040-4185-941f-3396a8db41a9\u002Fad-headshot-800x600px.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Alison DeNisco Rayome is the Managing Editor of ZDNET Commerce. She was formerly a Managing Editor at CNET, covering software, services, and home tech, and a Senior Editor at TechRepublic, covering AI, cybersecurity, tech and the workplace, and CxO\u002Fleadership.",profile:c,title:"Managing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"f4e10a6e-560b-4caa-90bd-cb4934f3cac7\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003EBuy TurboTax tax software for up to 20% off with this deal.\u003C\u002Fp\u003E\" data-image-credit=\"Getty\u002FBloomberg\" data-image-alt-text=\"turbotax software on a laptop\" data-image-filename=\"gettyimages-1235036842.jpg\" data-image-date-created=\"2024\u002F01\u002F23\" data-image-width=\"4000\" data-image-height=\"2670\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EIt's already \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Ftaxes\u002Fbest-tax-preparation-service\u002F\" target=\"_blank\"\u003Etax season\u003C\u002Fa\u003E, and if you want to get a jump on filing, \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"1fbc05b5-bc62-4ba1-8c7e-e234b386fe79\" data-raw-url=\"https:\u002F\u002Fturbotax.intuit.com\u002Flp\u002Faff\u002F2709?priorityCode=6099000994&cjdata=MXxOfDB8WXww&PID=9041660&cid=all_cjtto-9041660_int_15716773&sid=&ref_id=2801b8c7ba3311ee818fa8630a82b820_715506764807993537%3AqqFPcEFIH51o&cjevent=2801b8c7ba3311ee818fa8630a82b820\" data-link-shortcode-text=\"TurboTax is offering up to 20% off right now\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E on all of its tax preparation packages. That means you can save whether you use the software to do your own taxes, or you choose the live assistance option, or the full service option, where a tax expert will take care of your return for you.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"commercepromo\" data-id=\"8f5c0fb2-21aa-4231-aac7-319c96d56f92\" data-edition=\"us\" data-hed=\"TurboTax: 20% off\" data-imagegroup=\"{"alt":"turbotax-logo.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Intuit","imageData":{"id":"4c0d9b3d-d26f-4d57-9b97-9e620972efa4","filename":"turbotax-logo.png","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F01\u002F04\u002F4c0d9b3d-d26f-4d57-9b97-9e620972efa4\u002Fturbotax-logo.png","dateCreated":{"date":"2022-01-04 21:47:07","timezone":"UTC","timezone_type":3},"primeColor":null,"hasWarning":false},"uuid":"4c0d9b3d-d26f-4d57-9b97-9e620972efa4","imageFilename":"turbotax-logo.png","imageDateCreated":"2022\u002F01\u002F04"}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Intuit\" data-offerurl=\"https:\u002F\u002Fturbotax.intuit.com\u002Flp\u002Faff\u002F2709?priorityCode=6099000994&cjdata=MXxOfDB8WXww&PID=9041660&cid=all_cjtto-9041660_int_15716773&sid=&ref_id=f53ec4f6ba3211ee81e964f60a82b821_715506764807993537%3AqqFPcEFIH51o&cjevent=f53ec4f6ba3211ee81e964f60a82b821\" data-offermerchant=\"TurboTax\" data-techobjectinfo=\"{}\" data-usemonetization=\"true\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ETurboTax allows you to start filing your taxes for free, and pay when you actually file. It offers a step-by-step series of questions to help you work your way through the process. You can save now on these three service options: \u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"4afc0dc1-3892-4b10-8778-1def9727664c\" data-raw-url=\"https:\u002F\u002Fturbotax.intuit.com\u002Flp\u002Faff\u002F2709?priorityCode=6099000994&cjdata=MXxOfDB8WXww&PID=9041660&cid=all_cjtto-9041660_int_15716773&sid=&ref_id=2801b8c7ba3311ee818fa8630a82b820_715506764807993537%3AqqFPcEFIH51o&cjevent=2801b8c7ba3311ee818fa8630a82b820\" data-link-shortcode-text=\"TurboTax (do your own taxes)\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E: TurboTax will help you file your own taxes for up to $71, down from the usual price of up to $129. Once you finish your federal return, TurboTax will automatically transfer your information and give you the option of adding on a state return for an additional $39, down from the usual $59 (this step is free if you qualify for a free federal return). \u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"db2974d0-f1f3-48a1-bed1-e7875c2cd02b\" data-raw-url=\"https:\u002F\u002Fturbotax.intuit.com\u002Flp\u002Faff\u002F2709?priorityCode=6099000994&cjdata=MXxOfDB8WXww&PID=9041660&cid=all_cjtto-9041660_int_15716773&sid=&ref_id=2801b8c7ba3311ee818fa8630a82b820_715506764807993537%3AqqFPcEFIH51o&cjevent=2801b8c7ba3311ee818fa8630a82b820\" data-link-shortcode-text=\"TurboTax Live Assisted\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E: This option gives you on-demand help from tax experts with an average of 10 years' experience, according to TurboTax, along with an expert final review at the end of the process, for a maximum of $135, down from $219. Add your state refund for an extra $49. \u003C\u002Fli\u003E\u003Cli\u003E\u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"ccfdb3d1-406e-417c-ad44-0ef3647f72eb\" data-raw-url=\"https:\u002F\u002Fturbotax.intuit.com\u002Flp\u002Faff\u002F2709?priorityCode=6099000994&cjdata=MXxOfDB8WXww&PID=9041660&cid=all_cjtto-9041660_int_15716773&sid=&ref_id=2801b8c7ba3311ee818fa8630a82b820_715506764807993537%3AqqFPcEFIH51o&cjevent=2801b8c7ba3311ee818fa8630a82b820\" data-link-shortcode-text=\"TurboTax Live Full Service\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E: The most comprehensive option has a local tax expert file your taxes for you, so you don't have to do the work. With the sale, this option starts at $80 (the site doesn't say how , with state filings costing an additional $49. \u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Ftaxes\u002Fbest-tax-preparation-service\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EBest tax preparation services\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EFor more deals, check out our roundup of \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Fhome-and-office\u002Fbest-amazon-deals-winter-sale\u002F\" target=\"_blank\"\u003Ethe best Amazon Winter Sale deals right now\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"newsletter\" data-id=\"2050571\" data-copy=\"ZDNET Recommends\" data-image=\"{"id":null,"alt":null}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"3aa16d16-8ccd-4f94-b2cc-91f3af21b2ff\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F3aa16d16-8ccd-4f94-b2cc-91f3af21b2ff\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2024-01-24 15:50:54",timezone:"UTC",updated:c,published:c},description:"Use the popular tax preparation software TurboTax at a big discount, for a limited time only.",filterKey:"03c423c4-f47c-4771-ab2c-dd13f34c421b",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"81203f81-870b-441c-a556-b6461acb4495",image:{id:"f4e10a6e-560b-4caa-90bd-cb4934f3cac7",filename:"gettyimages-1235036842.jpg",dateCreated:{created:c,date:"2024-01-23 21:01:55",timezone:"UTC",updated:c,published:c},alt:"turbotax software on a laptop",credits:"Getty\u002FBloomberg",caption:"\u003Cp\u003EBuy TurboTax tax software for up to 20% off with this deal.\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2024\u002F01\u002F23\u002Ff4e10a6e-560b-4caa-90bd-cb4934f3cac7\u002Fgettyimages-1235036842.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:4000,height:2670,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"deals",hubTopicPathString:"Tech^Services & Software",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"get-20-off-turbotax-right-now-to-save-on-filing-your-taxes",startYear:c,summary:b,title:"Get 20% off TurboTax right now to save on filing your taxes",topic:{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"6d2ebfee-25b8-4e0c-83c2-db77f4ed4567",username:"Jacob Pippin",profileUrl:c,email:c,firstName:"Jacob",lastName:"Pippin",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"3541df3c-dedf-46c7-8fac-5f1006394572",filename:"jacob-pippin.jpg",dateCreated:{created:c,date:"2021-05-06 14:27:32",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F05\u002F06\u002F3541df3c-dedf-46c7-8fac-5f1006394572\u002Fjacob-pippin.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Jacob Pippin is an experienced writer based in Orlando, Florida. He writes about a wide array of topics, from technology to marketing. He holds a bachelor's degree in Communication and Public Relations from Rollins College.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EWhether you are an independent tax professional or a CPA working in a large firm, you want to make sure you are using the best professional tax software available. You want software that meets your needs and, above all else, the needs of your clients. As a dedicated tax preparer taking the administrative and logistical burden off of taxpayers who simply don't have the time or means to carry it themselves, you want to have tax software that provides a high security and efficiency level.\u003Cbr\u003E  \u003Cbr\u003E Tax preparation requires constantly keeping abreast of changing tax laws, which have become more difficult in the past two years with the effects of COVID-19. Last year, the federal and state governments have extended filing deadlines, mailed stimulus checks and other forms of aid, and allowed for deferred employer payroll taxes. The tax landscape has changed drastically, but the best tax software will always hold high value under the most volatile economic circumstances. \u003C\u002Fp\u003E\u003Cp\u003EHere are a few of the industry's best tax prep software available to professional tax preparers.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"6a5adf35-78b0-4889-938f-fd0401c47d71\" data-edition=\"us\" data-description=\"\u003Cp\u003EDrake Tax is generally known for being the tax software that offers the best value for tax professionals serving primarily mid-market clients with more complex tax circumstances and some small businesses. It is also known for providing several streamlined electronic filing features, including SecureFilePro. Let's take a look at why it remains one of the best choices for tax preparers.\u003C\u002Fp\u003E\u003Cstrong\u003E\u003Cstrong\u003EFeatures\u003C\u002Fstrong\u003E\u003C\u002Fstrong\u003E\u003Cp\u003EDrake Tax is consistently on the list for best tax software because of its ease of use, simple navigation, and highly-rated customer service. Some of its most attractive features include simplified data entry, automatic data flow from various federal and state returns, and automatic forms filing, just to name a few. Various tax-year analyses make Drake Tax a great choice for tax preparers. Features include:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EExtensive filing:\u003C\u002Fstrong\u003E Drake Tax supports simple and complicated filers. It is popular among CPA firms with small and mid-size clients and includes all relevant forms, such as 1040 forms, those for partnerships, C and S-corps, trusts and estates, and tax-exempt organizations. Drake Tax supports the following tax forms and schedules: 1040, 1040-NR, 1065, 1120, 1120-S, 1120-H, 706, 709, 990, 1041.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ESecureFilePro and paperless options:\u003C\u002Fstrong\u003E SecureFilePro, which has a dedicated paperless feature, allows users to electronically obtain source documents from their clients that they will use in the tax preparation process. E-filing and an e-signature component can facilitate an even smoother tax preparation process that can be done completely electronically.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EEase of data import:\u003C\u002Fstrong\u003E With Drake Tax, users can easily import QuickBooks or Client Write-Up data. This also makes importing spreadsheets quick and efficient.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EPlanning and review tools:\u003C\u002Fstrong\u003E Drake Tax allows users to compare taxes from one year to the next, making tax planning easy. Archived information is made readily available in the user dashboard, and amortization scheduling is also available. Additionally, Drake Tax has built-in features to prevent oversights that could lead to IRS rejections if you make a mistake. \u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cstrong\u003E\u003Cstrong\u003EPricing options\u003C\u002Fstrong\u003E\u003C\u002Fstrong\u003E\u003Cp\u003EDrake Tax offers two platforms: A desktop version and a web-hosted version called Drake Tax in the Cloud. \u003Cbr\u003E\u003Cbr\u003E\u003Cstrong\u003EPrice range:\u003C\u002Fstrong\u003E The desktop version is between $345 and $1,625. Drake also offers the Power Bundle package of Drake Tax 2021 and Drake Accounting 2022 for $1,745.\u003C\u002Fp\u003E\" data-hed=\"Drake Tax\" data-superlative=\"For tax professionals\" data-imagegroup=\"{"alt":"drake-tax-preparation-software-1.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"7216d581-97dd-402c-8659-083164ebef31","title":"drake-tax","filename":"drake-tax.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F04\u002F19\u002F7216d581-97dd-402c-8659-083164ebef31\u002Fdrake-tax.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":68995,"width":662,"height":506,"dateCreated":{"date":"2021-04-19 10:28:19","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-04-19 10:28:21","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"drake-tax.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"7216d581-97dd-402c-8659-083164ebef31","imageAltText":"drake-tax-preparation-software-1.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"drake-tax.jpg","imageDateCreated":"2021\u002F04\u002F19","imageWidth":662,"imageHeight":506,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Drake Tax","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.drakesoftware.com\u002Fproducts\u002Fdrake-tax\u002F","url":"https:\u002F\u002Fwww.drakesoftware.com\u002Fproducts\u002Fdrake-tax\u002F"}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"24f15210-fe5e-4cd0-b173-2065833f1a34\" data-edition=\"us\" data-description=\"\u003Cp\u003EProSeries Professional is a popular and reliable tax preparation service software created by Intuit. It gives tax preparers the ability to transfer data from QuickBooks, also an Intuit product, to ProSeries Professional seamlessly. The ProSeries comes in two desktop-only versions, ProSeries Basic and ProSeries Professional. Here is a closer look at some of the best features from both.\u003C\u002Fp\u003E\u003Cstrong\u003E\u003Cstrong\u003EFeatures\u003C\u002Fstrong\u003E\u003C\u002Fstrong\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EInput guidance and forms: \u003C\u002Fstrong\u003EK-1 data import automatically transfers data to individual returns. A dedicated forms bar interface allows users to input tax return information, locate errors, and locate the right tax forms with ease. The Intuit link portal makes document collection simple. It allows clients to deliver their tax data and information in a timely and organized manner. \u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EEntry sheets, data, and e-filing: \u003C\u002Fstrong\u003EWith ProSeries, quick entry sheets make data entry easier, too, with less scrolling from form to form. Undo and redo features make fixing mistakes easy and painless. ProSeries allows users to view, track the status of, and manage various e-filed returns. Missing client data is also flagged and tracked, linking back to appropriate field locations before a return is sent.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EClient tools and tax planning: \u003C\u002Fstrong\u003EProSeries allows users to create checklists for the items clients need for each year's tax return. Client-specific billing and editable invoice options are available as well, whether flat rates, hourly fees, or charges per form. ProSeries generates a list of up to 73 tax planning suggestions specific to your client that will help them lower future taxes. The tax planner estimates withholdings, expenses, income, and tax payments for future tax years.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EHosting and integration: \u003C\u002Fstrong\u003EProSeries software can be accessed anywhere on any device, making it a convenient option for tax preparers who must work on the go. Information is stored in a cloud, allowing flexible workflow no matter where the user is located. Users can manage client signatures electronically with eSignature. ProSeries has streamlined integration across the platform by allowing simple importing of financial data to ProSeries from QuickBooks and TXT. Furthermore, some client data and tax forms, such as 1099-B and 1099-INT, can be downloaded from participating financial institutions.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cstrong\u003E\u003Cstrong\u003EPricing options\u003C\u002Fstrong\u003E\u003C\u002Fstrong\u003E\u003Cp\u003EProSeries is available in two desktop-only versions, ProSeries Basic and ProSeries Professional. \u003Cbr\u003E\u003Cbr\u003E\u003Cstrong\u003EPrice range: \u003C\u002Fstrong\u003EThe desktop application is between\u003Cem\u003E \u003C\u002Fem\u003E$369 and $1,999. Prices vary depending on packages and pay-per-return. \u003C\u002Fp\u003E\" data-hed=\"Intuit ProSeries Professional\" data-superlative=\"Maximize your savings\" data-imagegroup=\"{"alt":"proseries-2line-rgb-02blue-512x512-2.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"3dddbf83-de43-466b-9c88-352483c2f08e","title":"intuit","filename":"intuit.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F04\u002F19\u002F3dddbf83-de43-466b-9c88-352483c2f08e\u002Fintuit.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":74929,"width":800,"height":449,"dateCreated":{"date":"2021-04-19 10:28:49","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-04-19 10:28:51","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"intuit.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"3dddbf83-de43-466b-9c88-352483c2f08e","imageAltText":"proseries-2line-rgb-02blue-512x512-2.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"intuit.jpg","imageDateCreated":"2021\u002F04\u002F19","imageWidth":800,"imageHeight":449,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Intuit ProSeries Professional","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fproconnect.intuit.com\u002Fproseries\u002F","url":"https:\u002F\u002Fproconnect.intuit.com\u002Fproseries\u002F"}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"518651e9-14fe-49b5-afec-ad5ffd36fb0f\" data-edition=\"us\" data-description=\"\u003Cp\u003EATX is a professional tax software by Wolters Kluwer. It has a vast and comprehensive tax form library with over 6,000 tax compliance forms and business returns, making it a great choice for small- to medium-sized businesses serving corporate and business clients.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EFeatures\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EEase and diagnostics:&nbsp;\u003C\u002Fstrong\u003EIn past surveys in the Tax Advisor, ATX has rated at the top for "easiest to use" tax software programs. Furthermore, ATX's robust diagnostic system identifies e-filing errors, overridden entries, and even omissions. Tracking refunds or balances due is easy with the Refund Meter feature.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EExtensive form library:\u003C\u002Fstrong\u003E ATX has over 6,000 forms, mostly federal, state, and local returns and corresponding schedules. In addition to specialty returns (706, 709, 990, 550), ATX also houses forms for state and federal sales and use tax.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EAbundant research:\u003C\u002Fstrong\u003E Accessing IRS form instructions and schedules is relatively straightforward and simple. Most of the ATX packages include award-winning research resources, such as CCH AnswerConnect and CCH US Master Tax Guide.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EIntegration:\u003C\u002Fstrong\u003E Important data from QuickBooks Online is easy to import with ATX. ATX integrates with CCH iFirm Portal, offering seamless and secure file sharing of uploaded documents.&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003EPricing options\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EPer ATX, the most popular package is ATX MAX for $1,929.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPrice range:\u003C\u002Fstrong\u003E ProSeries Professional costs between $839 and $4,699, depending on which package you choose. ATX Pay-Per-Return is the least costly, and ATX Advantage is the most costly.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"ATX Tax\" data-superlative=\"Pay-per-return system\" data-imagegroup=\"{"alt":"z2hwoniw-400x400.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"ATX","imageData":{"id":"36a4c94b-f276-4a09-81f5-329e68e9e685","title":"atx","filename":"atx.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F04\u002F19\u002F36a4c94b-f276-4a09-81f5-329e68e9e685\u002Fatx.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":159197,"width":1280,"height":720,"dateCreated":{"date":"2021-04-19 10:29:07","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-04-19 10:29:09","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"atx.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"36a4c94b-f276-4a09-81f5-329e68e9e685","imageAltText":"z2hwoniw-400x400.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"ATX","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"atx.jpg","imageDateCreated":"2021\u002F04\u002F19","imageWidth":1280,"imageHeight":720,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"ATX\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"ATX","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Ftaxna.wolterskluwer.com\u002Fprofessional-tax-software\u002Fatx","url":"https:\u002F\u002Ftaxna.wolterskluwer.com\u002Fprofessional-tax-software\u002Fatx"}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c25b9b2e-5c80-41ab-b8b2-6dda1076eec4\" data-edition=\"us\" data-description=\"\u003Cp\u003ETaxSlayer Pro is the professional version of the commercial product TaxSlayer. It is a great option for independent professional tax preparers and larger firms alike. Currently, TaxSlayer Pro has three plan options: Classic, Premium, and Web. Each edition offers business and individual tax preparation and filing options.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EFeatures\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EBusiness returns and unlimited filing\u003C\u002Fstrong\u003E: File business and corporate returns with TaxSlayer Pro federal and state forms. With TaxSlayer Pro, there is no limit to the number of tax returns you can prepare and file. Additionally, there are no charges per return. Complete with a&nbsp; full business suite, TaxSlayer Pro also allows for both federal and state electronic filing for forms 706, 709, 990, 1041, 1065, 1120, 1120-S, and 5500.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EBank products\u003C\u002Fstrong\u003E: With TaxSlayer Pro, refund transfers allow a user's clients to deduct the tax preparation fees directly from their tax return, resulting in zero out-of-pocket costs for the clients.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EDepreciation module\u003C\u002Fstrong\u003E: TaxSlayer Pro has a depreciation module that allows users to easily enter their client's assets while selecting the correct depreciation method to calculate proper lines on returns.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EWeb option\u003C\u002Fstrong\u003E: Compatible with iOS, TaxSlayer Pro Web is cloud-based professional tax software. You can access it on any device with a Wi-fi connection, making it convenient to prepare client returns or access the TaxesToGo mobile app. The mobile app allows users to reach more clients no matter where they're working from. It is a convenient option for tax preparers who have to work on the go.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003E\u003Cstrong\u003EPricing options\u003C\u002Fstrong\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003ETaxSlayer Pro pricing varies between the three options.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPrice range:\u003C\u002Fstrong\u003E Per TaxSlayer Pro's pricing scale, Pro Classic is $1,195, Pro Premium is $1,495, Pro Web is $1,395. Pro Web and Corporate is also available for $1,795, adding the ability to file corporate and LLC returns with the desktop-based software.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"TaxSlayer Pro\" data-superlative=\"Only for tax professionals\" data-imagegroup=\"{"alt":"1527870893756.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Taxslayer","imageData":{"id":"c51b1ba5-a296-457d-bbb1-d48ec98312a8","title":"taxslayer","filename":"taxslayer.png","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F04\u002F19\u002Fc51b1ba5-a296-457d-bbb1-d48ec98312a8\u002Ftaxslayer.png","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":49795,"width":698,"height":424,"dateCreated":{"date":"2021-04-19 10:29:27","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-04-19 10:29:29","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fpng","deleted":false,"credits":null,"alt":"taxslayer.png","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"c51b1ba5-a296-457d-bbb1-d48ec98312a8","imageAltText":"1527870893756.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Taxslayer","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"taxslayer.png","imageDateCreated":"2021\u002F04\u002F19","imageWidth":698,"imageHeight":424,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Taxslayer\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"TaxSlayer Pro","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.taxslayerpro.com","url":"https:\u002F\u002Fwww.taxslayerpro.com"}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"40604220-9994-48b1-9da1-c842c2a63d49\" data-edition=\"us\" data-description=\"\u003Cp\u003EWith so many tax preparation software products on the market, it can be a challenge to know which one is the best for you. Some tools are better than others. An independent tax professional or \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-tax-software\u002F"\u003Esmall business\u003C\u002Fa\u003E owner may be better suited to a different tax preparation software than a CPA working in a large corporate firm.\u003C\u002Fp\u003E\u003Cp\u003ELike any product you'd buy, you want to Consider your budget, first and foremost. A premium plan may provide more features and forms, but it may not be the best option for you if it is over your budget. Consider what kinds of forms and features you will actually need. Write down a list of must-have forms and features. You may find that a basic software package will suit your needs. \u003C\u002Fp\u003E\u003Cp\u003EHere are other points to consider when choosing a tax preparation software: \u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EWould you rather have a dedicated desktop version to work from, or is it important that you be able to work from a cloud service? Consider how much you travel and work on the go.\u003C\u002Fli\u003E\u003Cli\u003EIs it important for you to have state returns included in your software package? If so, look closely at each plan because some charge extra for state forms.\u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EAre you \u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ftax-time-is-coming-get-your-records-in-order-with-this-scanner\u002F"\u003Etech-savvy\u003C\u002Fa\u003E, or will you need a fair amount of support to use the software? Support by chat is the most convenient way to communicate with customer service, but not every package includes support by chat. Do your research.\u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EWith ever-changing tax laws and filing deadlines, a tax professional must have quick but efficient software that includes all the necessary forms and filing features. But pricing matters, too. Ultimately, the best tax software is the one that meets all your needs and helps you maintain the most crucial aspect of the job: customer satisfaction.\u003C\u002Fp\u003E\" data-hed=\"How to choose the best tax software for you\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"54e22bf9-9793-4e75-8a5e-a64e30aaf5b4\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F54e22bf9-9793-4e75-8a5e-a64e30aaf5b4\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-04-15 19:49:00",timezone:"UTC",updated:c,published:c},description:"The best professional tax software is the one best suited to your needs and the needs of your clients. Tax preparers should know which pro software are the best of the best.",filterKey:"03c423c4-f47c-4771-ab2c-dd13f34c421b",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"24fde336-0b2e-458a-ab88-67a135d23396",image:{id:"68f44647-c191-41dc-bc08-c4566819d664",filename:"pexels-anthony-shkraba-4348395-1.jpg",dateCreated:{created:c,date:"2021-04-23 19:35:34",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"Nataliya Vaitkevich",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F04\u002F23\u002F68f44647-c191-41dc-bc08-c4566819d664\u002Fpexels-anthony-shkraba-4348395-1.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Taxes",relatedItems:[]},name:b,promoTitle:"The best professional tax software: For pros only",section:b,slug:"best-professional-tax-software",startYear:c,summary:b,title:"Best professional tax software 2022: For pros only",topic:{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"6d2ebfee-25b8-4e0c-83c2-db77f4ed4567",username:"Jacob Pippin",profileUrl:c,email:c,firstName:"Jacob",lastName:"Pippin",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"3541df3c-dedf-46c7-8fac-5f1006394572",filename:"jacob-pippin.jpg",dateCreated:{created:c,date:"2021-05-06 14:27:32",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F05\u002F06\u002F3541df3c-dedf-46c7-8fac-5f1006394572\u002Fjacob-pippin.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Jacob Pippin is an experienced writer based in Orlando, Florida. He writes about a wide array of topics, from technology to marketing. He holds a bachelor's degree in Communication and Public Relations from Rollins College.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003ERemember the saying: \"April showers bring May flowers.\" Quite a nice thought, isn't it? But many of us are fully aware of something else April brings. That's right -- Tax season. Proper tax preparation is essential to get your best return during \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ftax-time-is-coming-get-your-records-in-order-with-this-scanner\u002F\"\u003Etax season.\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EPreparation, calculations, and filing income tax returns can be daunting tasks. Form after form can make the process a bit overwhelming, and when we throw in the \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fcredits-deductions-for-individuals\"\u003Etax credits and deductions\u003C\u002Fa\u003E, our sanity is at stake. But the anxiety does not have to consume you. Tax preparation services and tax preparers are available to help. First, let's look at the options for tax filing.\u003C\u002Fp\u003E\u003Cp\u003EThe best tax preparation service is going to be the one that fits your needs. Individuals filing their taxes from income gained from an employer will have different needs than those filing and are self-employed. Furthermore, the complexities that come from tax credits and deductions can make a person opt for a professional tax preparer.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"dbf3b8d6-5ed3-4b87-b9b7-e892f83e5557\" data-edition=\"us\" data-description=\"\u003Cp\u003EH&amp;R Block is a big name in tax filing due to its longevity in the industry and its vast operation, having nearly 10,000 offices. The&nbsp;\u003Ca href="https:\u002F\u002Flinkto.hrblock.com\u002Fc\u002F159047\u002F391260\u002F5683?subId1=zd-5df53f48d1b44b6684efde383fce4b6c--&amp;sharedId=zdnet&amp;u=https:\u002F\u002Fwww.hrblock.com\u002Freviews\u002F"\u003EH&amp;R Block customer reviews\u003C\u002Fa\u003E&nbsp;back up its professional claims as being top-notch in the tax filing industry. It offers options to file with experienced tax professionals in-person (or virtually) or to file through their online services.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EMost people will find the appropriate services they need with H&amp;R Block. Services for simple tax return filing to more complex self-employed tax filings are available. Online filing services are tiered based on need. Simple filing for students, those with unemployment income, or W-2 employees are offered at no cost.\u003C\u002Fp\u003E\u003Cp\u003EThose looking to maximize credits and deductions may prefer the Deluxe option, starting at $29.99, while rental property owners and investors might opt for the Premium option, starting at $49.99. There is also an online option, starting at $84.99, for those who have small businesses or are self-employed and have individual&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fyour-home-office-deductions-checklist\u002F"\u003Ehome deductions\u003C\u002Fa\u003E. Assistance from live experts is available for these online options at additional costs.&nbsp;\u003Cbr\u003E&nbsp;\u003Cbr\u003EIf an online tax preparation service doesn't suit your taste, H&amp;R Block still offers services with tax professionals, one-on-one in an office or virtually, starting at $80. H&amp;R Block is a popular choice for a reliable tax preparation service due to its long history, high customer ratings, and affordable pricing structure.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EYou can learn more at H&amp;R Block if you feel it is right for you.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"H&R Block\" data-superlative=\"A popular choice\" data-imagegroup=\"{"alt":"best-tax-preparation-service-1.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"5e530d1b-d080-4766-a1ec-d1f2b674a018","title":"best-tax-preparation-service-1","filename":"istock-1252881113.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F04\u002F14\u002F5e530d1b-d080-4766-a1ec-d1f2b674a018\u002Fistock-1252881113.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":707489,"width":1600,"height":1069,"dateCreated":{"date":"2021-04-14 18:27:59","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-04-14 18:28:04","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"best-tax-preparation-service-1.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"5e530d1b-d080-4766-a1ec-d1f2b674a018","imageAltText":"best-tax-preparation-service-1.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"istock-1252881113.jpg","imageDateCreated":"2021\u002F04\u002F14","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"H&R Block","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Flinkto.hrblock.com\u002Fc\u002F159047\u002F1231484\u002F5683?subId1=subid_value&sharedId=zdnet","url":"https:\u002F\u002Flinkto.hrblock.com\u002Fc\u002F159047\u002F1231484\u002F5683?subId1=subid_value&sharedId=zdnet"}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"dc7a3a6d-df6e-498c-9e11-d83e2ac534d0\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Ca href="https:\u002F\u002Fwww.anrdoezrs.net\u002Flinks\u002F9041660\u002Ftype\u002Fdlg\u002Fsid\u002Fzd-5df53f48d1b44b6684efde383fce4b6c--\u002Fhttps:\u002F\u002Fwww.jacksonhewitt.com\u002F"\u003EJackson Hewitt\u003C\u002Fa\u003E&nbsp;has been in the tax filing game for over three decades. It offers services in more than 5,500 locations, with half of those located within Walmart stores. These locations' uniqueness offers tax filing customers a convenient option when searching for a tax preparation service.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIn addition to the services offered at the locations mentioned above with on-site tax professionals, Jackson Hewitt offers online tax filing options and virtual filing with tax professionals. Simple, online tax filing starts at $25 for federal filings. Virtual options with tax professionals range from $69 to $249 depending on need, from simple filers to self-employed and more complex tax filers. Due to the franchise nature of some Jackson Hewitt offices, on-site prices may vary. It is best to call one nearest to you for appropriate pricing.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Jackson Hewitt\" data-superlative=\"A convenient option\" data-imagegroup=\"{"alt":"best-tax-preparation-service-2.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"ef4b395c-ee1d-41f6-a824-8ef97b5323d0","title":"best-tax-preparation-service-2","filename":"istock-949219374.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F04\u002F14\u002Fef4b395c-ee1d-41f6-a824-8ef97b5323d0\u002Fistock-949219374.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":872483,"width":1600,"height":1069,"dateCreated":{"date":"2021-04-14 18:29:10","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-04-14 18:29:16","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"best-tax-preparation-service-2.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"ef4b395c-ee1d-41f6-a824-8ef97b5323d0","imageAltText":"best-tax-preparation-service-2.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"istock-949219374.jpg","imageDateCreated":"2021\u002F04\u002F14","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"Jackson Hewitt","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.anrdoezrs.net\u002Flinks\u002F9041660\u002Ftype\u002Fdlg\u002Fsid\u002F[subid_value]\u002Fhttps:\u002F\u002Fwww.jacksonhewitt.com\u002F","url":"https:\u002F\u002Fwww.anrdoezrs.net\u002Flinks\u002F9041660\u002Ftype\u002Fdlg\u002Fsid\u002F[subid_value]\u002Fhttps:\u002F\u002Fwww.jacksonhewitt.com\u002F"}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"89ac8824-ab2d-4659-aa76-732d76e2e599\" data-edition=\"us\" data-description=\"\u003Cp\u003ESome people prefer the in-person options offered by the tax preparation services mentioned above. Others may choose to use tax preparation software or online options to help prepare and file their taxes. If you are the latter,&nbsp;\u003Ca href="https:\u002F\u002Fwww.anrdoezrs.net\u002Flinks\u002F9041660\u002Ftype\u002Fdlg\u002Fsid\u002Fzd-5df53f48d1b44b6684efde383fce4b6c--\u002Fhttps:\u002F\u002Fturbotax.intuit.com\u002Flp\u002Faff\u002F?zn1=c60KRkuK6,c9XbMQeDL,c4CNdkWIA"\u003ETurboTax\u003C\u002Fa\u003E&nbsp;may be right for you.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ETurboTax offers its services through an online format or software purchased in most retail stores. There are no storefronts or offices to visit. TurboTax is a great tax preparation option for those who feel comfortable doing things themselves. But that doesn't mean professional tax assistance isn't available if needed; TurboTax Live is an option that allows a tax professional to help complete the process with you.\u003Cbr\u003E&nbsp;\u003Cbr\u003EWith TurboTax software, customers can file federal and state taxes through an easy-to-follow, step-by-step series of questions, assuming the proper tax documents and forms are already on hand. A free edition is offered for simple returns, W-2 employees, and unemployment income. Deluxe and Premier online options are available for those looking to maximize deductions and credits or those with investment or rental property; those options start at $39 and $79, respectively. A personal and business option for those who are self-employed, starting online at $89.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"TurboTax\" data-superlative=\"An online option\" data-imagegroup=\"{"alt":"best-tax-preparation-service-3.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"669d29df-ebfc-4b5e-ba63-639fddd86901","title":"best-tax-preparation-service-3","filename":"istock-1042650228.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fhub\u002Fi\u002F2021\u002F04\u002F14\u002F669d29df-ebfc-4b5e-ba63-639fddd86901\u002Fistock-1042650228.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":896572,"width":1600,"height":1069,"dateCreated":{"date":"2021-04-14 18:29:45","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2021-04-14 18:29:51","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"best-tax-preparation-service-3.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"669d29df-ebfc-4b5e-ba63-639fddd86901","imageAltText":"best-tax-preparation-service-3.jpg","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"istock-1042650228.jpg","imageDateCreated":"2021\u002F04\u002F14","imageWidth":1600,"imageHeight":1069,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":false,"monetizedUrl":"","offerMerchant":"TurboTax","offerPrice":"","monetizationStatus":"off","rawUrl":"https:\u002F\u002Fwww.anrdoezrs.net\u002Flinks\u002F9041660\u002Ftype\u002Fdlg\u002Fsid\u002F[subid_value]\u002Fhttps:\u002F\u002Fturbotax.intuit.com\u002F","url":"https:\u002F\u002Fwww.anrdoezrs.net\u002Flinks\u002F9041660\u002Ftype\u002Fdlg\u002Fsid\u002F[subid_value]\u002Fhttps:\u002F\u002Fturbotax.intuit.com\u002F"}]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b11f2a2b-39d2-4711-adf2-0bac629ea5ac\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhat are the best ways to file your taxes? Well, you only have three options. Let's look at each briefly:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EManual filing:\u003C\u002Fstrong\u003E&nbsp;Manually filing is done by completing the IRS's Individual Tax Return Form (Form 1040). Once completed, mail it to the IRS along with any payment owed.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ETax preparation services using software programs:\u003C\u002Fstrong\u003E&nbsp;\u003Ca href="https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-tax-software\u002F"\u003ETax software programs\u003C\u002Fa\u003E&nbsp;are standard in these days of e-filing. These tax programs or websites offer services that walk customers through the process, step by step, by asking a series of questions about taxable income, deductions, etc. File these electronically.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003ETax preparation services and tax preparers:&nbsp;\u003C\u002Fstrong\u003ESome people opt for professional tax filing. A tax preparation service will work with clients to help them fill out the appropriate tax forms and will help them to maximize returns.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"What is the best way to file taxes?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"aa84cd56-d9bb-4628-95d9-2ae7bef7d75f\" data-edition=\"us\" data-description=\"\u003Cp\u003ESimply put, a tax preparation service works with individuals to help prepare their tax returns. Sometimes these tax preparation services also offer tax planning, making you better prepared for future tax seasons. These are services like budgeting and bookkeeping, auditing, or simply tax consulting. While these are often done in person, online tax preparation services are also an option.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EIt is important to note that tax preparation services are simply that; tax preparation. This means that they will not guarantee a specific tax refund amount or guarantee surefire ways to help reduce the taxes you may owe. The primary job of tax preparation services is to help prepare a client's tax return based on their information. That means it is crucial to have your ducks in a row and your facts in order when you meet with them.\u003C\u002Fp\u003E\" data-hed=\"What is a tax preparation service?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"9fe038b5-7aca-4c6c-9e98-100eb5c82c33\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you are overwhelmed, hesitant, or uncomfortable filing your taxes, then a tax preparation service or preparer may be ideal for you. Expertise in this area, not to mention the time saved, could provide a sigh of relief this tax season. If you have decided to explore this option of using a tax preparation service, then it is time to look at some of the best tax preparation services and tax preparers.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EMaybe big retail chains aren't your thing, or perhaps your tax situation is complex. If so, an independent tax preparer may be an option for you. Filing your taxes with the help of an independent tax accountant or CPA firm is one way to ensure that your taxes are filed professionally. Complex tax returns require people with the right expertise who know the rules and the laws. Often, these are professionals that deal with taxes year-round, not only during tax season.\u003Cbr\u003E&nbsp;\u003Cbr\u003EThis process can be as simple as dropping off the appropriate forms and documentation at a local office or working with a tax professional through an online portal. Bear in mind that if this is a route you want to take, start early since tax season is a hectic time for CPA firms.&nbsp;\u003Cbr\u003E&nbsp;\u003Cbr\u003EPricing for this type of professional tax preparation help will vary. It is best to explore the services offered in your area.&nbsp;\u003Ca href="https:\u002F\u002Fcpadirectory.com\u002F"\u003ECPA directories\u003C\u002Fa\u003E&nbsp;and&nbsp;\u003Ca href="https:\u002F\u002Fwww.taxprofessionals.com\u002F?trk=tax-lead-gen-taxprofessionals"\u003Etax professional\u003C\u002Fa\u003E&nbsp;websites are available to help in that search.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What about professional tax preparers?\" data-imagegroup=\"{}\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"54e22bf9-9793-4e75-8a5e-a64e30aaf5b4\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F54e22bf9-9793-4e75-8a5e-a64e30aaf5b4\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003E\u003Cbr\u003E\u003C\u002Fh2\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-04-15 15:48:00",timezone:"UTC",updated:c,published:c},description:"Tax season can be an overwhelming time for many people. However, finding the best tax preparation service can help lighten the burden.",filterKey:"03c423c4-f47c-4771-ab2c-dd13f34c421b",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"5df53f48-d1b4-4b66-84ef-de383fce4b6c",image:{id:"70473143-394b-41c1-99bc-3dccd84c35a1",filename:"istock-1199191401.jpg",dateCreated:{created:c,date:"2021-04-14 18:30:30",timezone:"UTC",updated:c,published:c},alt:"best-tax-preparation-service.jpg",credits:c,caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F04\u002F14\u002F70473143-394b-41c1-99bc-3dccd84c35a1\u002Fistock-1199191401.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2119,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Finance^Taxes",relatedItems:[]},name:b,promoTitle:"The best tax preparation services: Prepare your taxes like a pro",section:b,slug:"best-tax-preparation-service",startYear:c,summary:b,title:"Best tax preparation service 2022: Prepare your taxes",topic:{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"a07aa17d-f2f6-483b-adb5-6e8441f7247b",username:"Jessica Walrack",profileUrl:c,email:c,firstName:"Jessica",lastName:"Walrack",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"735e2391-6f1c-4b93-ac39-a92d075f3f7a",filename:"walrak-2.jpg",dateCreated:{created:c,date:"2021-08-26 20:39:39",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F08\u002F26\u002F735e2391-6f1c-4b93-ac39-a92d075f3f7a\u002Fwalrak-2.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Jessica Walrack is a personal finance writer at SuperMoney, Interest.com, The Simple Dollar, and PersonalLoans.org. She specializes in personal finance topics.",profile:c,title:b,bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003ETax time is drawing near once again and as April 2022 approaches, it's important to take note of all of the changes -- big and small -- that will affect returns this year. Most notably, is that the deadline is not April 15 but \u003Cstrong\u003EApril 18\u003C\u002Fstrong\u003E. This also means the 6-month extension will move from October 15 to \u003Cstrong\u003EOctober 17. \u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"ad8bcf79-0e16-4306-9adb-bc484fa3db21\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fad8bcf79-0e16-4306-9adb-bc484fa3db21\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EAs you prepare, this comprehensive income guide for 2022 can provide the basics you need to know from tax forms to credits to deductions for the 2021 tax year. Plus, dig deep into topics like what you can do if you can't pay your taxes by the deadline and what happens if you don't file on time. It can be hard to navigate through the many pages of the tax code or IRS website so here you have all you need to know in one convenient place.  \u003C\u002Fp\u003E\u003Ch2\u003EThe basics of income tax\u003C\u002Fh2\u003E\u003Cp\u003EDepending on your filing status and yearly income, you may not be required by law to file a return with the IRS. However, even if you don't have to file, it may still be in your best interest to submit a tax return. You may not owe any income taxes but you might be eligible to receive a refundable credit.\u003C\u002Fp\u003E\u003Cp\u003EIf your income for the year is above a certain amount, you must file a federal income tax return. This amount for which you are liable is dependent on several factors, including your age and the type of income you received. For instance, for the 2021 tax year, a single, independent adult under the age of 65 must file a return if they earned \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Fp501.pdf\" target=\"_blank\"\u003E$12,400\u003C\u002Fa\u003E or more gross income during the year.\u003C\u002Fp\u003E\u003Cp\u003EImproperly filing your taxes could end up costing you more than you owe. Worse yet, it could even trigger a dreaded IRS audit. Correctly filing your taxes on time can ensure you receive the amount owed to you by the IRS and avoid paying any penalties. And by utilizing the numerous credits, write-offs and other benefits available to certain taxpayers, you can maximize your refund or even reduce the amount you owe. These are the basic ideas to keep in mind to get started.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ECalculate your gross income:\u003C\u002Fstrong\u003E If you're going to do your taxes on your own, start by figuring out your gross income (GI). This is the total amount of money you've made in a year from all sources: wages, dividends, gifts, alimony, etc. If you're going to let a professional handle your taxes, it's still a good idea to know how much you've made, but your tax professional can help you through the process.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ECalculate your adjusted gross income:\u003C\u002Fstrong\u003E After you've determined your gross income, determine your filing status and which tax forms you'll use. Your filing status is based on family and marital status and will determine your standard deduction, which is a set amount you can deduct from your gross income. Subtracting the standard deduction from your gross income will provide you with your \u003Cstrong\u003Eadjusted gross income (AGI)\u003C\u002Fstrong\u003E.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ECalculate your taxable income:\u003C\u002Fstrong\u003E Some individuals are eligible for exemptions that can bring their AGI even lower. Once you or a tax professional determine the tax credits and deductions you qualify for, you'll be able to find your \u003Cstrong\u003Etaxable income\u003C\u002Fstrong\u003E. In many cases, deductions and credits can take your taxable income to zero, resulting in refunds from the IRS.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ENon-taxable income\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EThere are some sources of income that are usually not taxable. Types of income that are exempt from tax include:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EChild support payments\u003C\u002Fli\u003E\u003Cli\u003EWelfare benefits\u003C\u002Fli\u003E\u003Cli\u003EGifts, bequests and inheritances\u003C\u002Fli\u003E\u003Cli\u003EAwards for damage from personal injury and illness\u003C\u002Fli\u003E\u003Cli\u003ECash rebates from manufacturers\u003C\u002Fli\u003E\u003Cli\u003EReimbursements for qualified adoption expenses\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EThere are other forms of income that are usually not taxable except in specific instances:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ELife insurance payouts are typically not taxable. However, if you redeem the policy for cash, any amount that exceeds the cost of the policy is taxable. Early withdrawals are also taxable.\u003C\u002Fli\u003E\u003Cli\u003EScholarship payments used for tuition and course textbooks are not taxable, but payments used for room and board are\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003EModified adjusted gross income:\u003C\u002Fstrong\u003E Your AGI is used to calculate your \u003Cstrong\u003Emodified adjusted gross income (MAGI)\u003C\u002Fstrong\u003E, which the IRS uses to determine eligibility for certain deductions and credits. This figure is equal to your AGI plus any nontaxable sources of income, such as tax-exempt forms of interest earned or income from foreign investments. For many individuals, their MAGI won't differ much from their AGI. However, things such as student loan interest, tuition, rent losses and retirement contributions can all have an impact.\u003C\u002Fp\u003E\u003Ch2\u003EHow to file taxes\u003C\u002Fh2\u003E\u003Cp\u003EThere are three main ways to file your income tax: through the mail, electronically via tax-preparation software like TurboTax or through a tax professional. The deadline for filing is April 18 unless you request and are approved for a six-month extension which pushes the date to Oct. 17. No matter the method you choose, you'll need to fill out either \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Fi1040gi.pdf\" target=\"_blank\"\u003EForm 1040 and Schedules 1 through 3, or Form 1040-SR\u003C\u002Fa\u003E for senior citizen taxpayers age 65 and older, with the necessary information. (Previously, you had the option to file either Form 1040-A or 1040-EZ, but these have been discontinued since Tax year 2018.) \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPaper filing\u003C\u002Fstrong\u003E is the traditional way of preparing taxes, and many people are still more comfortable handling financial information with pen and paper. This method of filing takes longer for the IRS to process, so returns are slower to arrive. The completed 1040 must be mailed to one of several addresses, depending on your location and whether or not you have included a payment.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ETax preparation software\u003C\u002Fstrong\u003E is the preferred DIY way of handling taxes. Most software is designed to make taxes easier and will help the user identify available tax deductions and credits they might otherwise miss. Built-in databases are usually updated each year to help you remain on top of changes in tax law.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ETax professionals\u003C\u002Fstrong\u003E handle your tax returns for you. Hiring an accountant or going to a professional company takes the work out of your taxes and removes the burden from your shoulders. Of course, the tradeoff is you must pay for the service, as well as provide all of your personal financial information to a stranger.\u003C\u002Fp\u003E\u003Cp\u003EUnless you use the paper filing method, your taxes will be submitted electronically. Electronic submissions are typically safer and see a much faster return than paper submissions.\u003C\u002Fp\u003E\u003Chr\u003E\u003Cp\u003E\u003Cstrong\u003ESee also: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthe-income-tax-guide-for-2022\u002F\" target=\"_blank\"\u003EZDNet's guide to filing taxes 2022\u003C\u002Fa\u003E.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Chr\u003E\u003Ch2\u003EWhat happens if you file late\u003C\u002Fh2\u003E\u003Cp\u003EIf you missed the April 18 tax-filing deadline, and you owe taxes, there will usually be penalties to pay. If you are owed a refund, you won't be penalized for filing late. However, you must file a return within three years, or the government will keep your refund.\u003C\u002Fp\u003E\u003Cp\u003EFor those who owe the government money, there are two types of \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpayments\u002Fpenalties\" target=\"_blank\"\u003Epenalties\u003C\u002Fa\u003E: the failure-to-file penalty and the failure-to-pay penalty.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpayments\u002Ffailure-to-file-penalty\" target=\"_blank\"\u003EThe penalty for filing late\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E is equal to 5% of the taxes you owe each month that you don't file, up to \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Ftaxtopics\u002Ftc653\" target=\"_blank\"\u003E25%\u003C\u002Fa\u003E. After 60 days, the minimum penalty for returns to be filed in 2022 will be \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Ftaxtopics\u002Ftc653\" target=\"_blank\"\u003E$435\u003C\u002Fa\u003E or equal to 100% of the tax amount due (whichever amount is less).\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpayments\u002Ffailure-to-pay-penalty\" target=\"_blank\"\u003EThe penalty for paying late\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E is 0.5% of the amount of taxes due, up to 25%. You may still incur this penalty if you applied for an extension of time to file. If the tax remains unpaid for more than 10 days after receiving a notice on the IRS's intent to levy, the penalty rate increases to 1% and if you get on an installment plan, it decreases to 0.25%.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EInterest is also charged\u003C\u002Fstrong\u003E on any amount of taxes that haven't been paid by April 18. The interest rate is the current Short-term Applicable Federal Rates (AFR) plus 3 percentage points. For example, the interest rate for the first quarter of 2022 is \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fnewsroom\u002Finterest-rates-remain-the-same-for-the-first-quarter-of-2022\" target=\"_blank\"\u003E3%\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Ch2\u003EHow to file taxes if you can't pay what you owe\u003C\u002Fh2\u003E\u003Cp\u003E\u003Cstrong\u003EAlways file your taxes as soon as possible\u003C\u002Fstrong\u003E, even if you can't pay what you owe. By simply filing your taxes, you avoid a bevy of fees and penalties that will be even harder to pay back.\u003C\u002Fp\u003E\u003Cp\u003EHowever, if you can't pay, you still have options.\u003C\u002Fp\u003E\u003Cp\u003E\"The IRS Official Policy is to collect all possible collectible taxes, interest, and penalties. However, IRS Tax Debt Forgiveness Programs are aimed at tax debt deemed uncollectible or on which collection is doubtful,\" explains enrolled agent Steven J. Weil, Ph.D. and president of RMS Accounting.\u003C\u002Fp\u003E\u003Cp\u003EHe adds, \"These programs include extensions of time to pay, installment agreement, currently not collectible status and offers in compromise.\" If you can't pay immediately, one of these programs may be able to help you.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EApply for an extension of time to pay\u003C\u002Fstrong\u003E by submitting \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1127.pdf\" target=\"_blank\"\u003EForm 1127\u003C\u002Fa\u003E if you can demonstrate that paying the full amount of taxes you owe would cause \"undue hardship.\" According to the \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1127.pdf#page=3\" target=\"_blank\"\u003Einstructions on the form\u003C\u002Fa\u003E, undue hardship must be \"more than an inconvenience,\" and must result in a \"substantial financial loss.\" The example given is if the on-time payment forced you to sell a property at a \"sacrifice price.\" The maximum amount of time that is typically granted is six months. If your application is accepted, you won't have to pay a penalty for late payment, but you will still be charged interest.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ESet up an installment agreement\u003C\u002Fstrong\u003E if you don't qualify for an extension to pay -- this means that you agree to pay a certain amount every month until the tax amount that you owe is paid in full. You can choose from a short-term agreement (repay the debt in 120 days or less) or a long-term agreement (repaying the debt in more than 120 days). Keep in mind that there are fees associated with setting up some of the agreements and you will continue to be charged interest on the amount that you owe.\u003C\u002Fp\u003E\u003Cp\u003EIf you owe less than $50,000, you can file an installment agreement \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpayments\u002Fonline-payment-agreement-application\" target=\"_blank\"\u003Eonline\u003C\u002Fa\u003E. Short-term agreements have no set-up fees while long-term agreements cost $149 if you pay manually each month or $31 if you set up automatic withdrawals. The appropriate fee will be added to your tax bill if you select this option.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ECurrently not collectible status\u003C\u002Fstrong\u003E may be an option if you can prove to the IRS that you can't pay anything. The IRS can place your account in a temporary \"currently not collectible\" status and collection attempts will pause.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EOffer in Compromise:\u003C\u002Fstrong\u003E In rare situations, you may be able to settle your debt for less than the total amount that you owe to the IRS. If you can't pay (based on income and allowable expenses) and there is little likelihood that you will be able to pay before the collection statute expires, or you are only able to pay a small amount that will never settle the balance owed, an 'Offer in Compromise' might be right for you. However, you can't use this avenue while holding onto assets that have equity and could be liquidated to pay what you owe. Further, if you qualify, it also requires you to commit to paying all taxes when due for the next five years. Any breach in your agreement to file and pay on time can bring the debt right back at you.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ERequest an abatement or refund\u003C\u002Fstrong\u003E of interest charges or fees due to an error made by the IRS or another cause that is either \"reasonable\" or allowed under the law by filing \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff843.pdf\" target=\"_blank\"\u003EForm 843\u003C\u002Fa\u003E. You must have a solid reason to use this form. A summary of the typical reasons for filing this form can be found in the \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Fi843.pdf\" target=\"_blank\"\u003Einstructions\u003C\u002Fa\u003E for Form 843.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EConsider a low-interest loan\u003C\u002Fstrong\u003E if you can secure a lower interest rate than would be charged by the IRS. For instance, some credit cards come with a 0% introductory APR for a certain period of time. Be sure to check with the issuer to verify that the card can be used to make a tax payment, as not all credit card companies will allow that type of usage.\u003C\u002Fp\u003E\u003Cp\u003ENote that all of these options are available directly to you. However, you may encounter tax relief firms that make you big promises to relieve you of your tax problems. Weil warns, \"Don't be fooled into thinking that a tax relief firm can just make your debt go away or settle for pennies on the dollar. This can only happen if you just don't have the income, assets, and ability to borrow to make required payments.\"\u003C\u002Fp\u003E\u003Cp\u003EIf you have further questions about what options may be available for you if you can't afford to pay your taxes, you can visit \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002F\" target=\"_blank\"\u003EIRS.gov\u003C\u002Fa\u003E or call 800-829-1040. If you cannot resolve your issues by speaking with an IRS representative, you can seek additional help from the \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Ftaxpayer-advocate\" target=\"_blank\"\u003ETaxpayer Advocate Service\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Ch2\u003EHow income tax is calculated\u003C\u002Fh2\u003E\u003Cp\u003EThe United States has a progressive income tax scale. The more money you make, the more you'll pay in taxes. However, earning a high wage doesn't mean your entire income will be taxed at the same rate because the progressive income tax scale uses marginal tax rates to determine how your taxes are calculated.\u003C\u002Fp\u003E\u003Cp\u003ETo better understand how your income is taxed, imagine your taxable income is divided into sections. The first section is taxed at one rate, then the next section is taxed at a higher rate, and the section after that is taxed at an even higher rate, and so on. These different portions are called tax brackets. There are seven different tax brackets, and their rates differ based on your filing status (see below for tables of each filing status and their respective marginal tax rates).\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EMarginal tax rate\u003C\u002Fstrong\u003E is best defined as the amount of tax you pay on an additional dollar of income and the United States uses multiple increasing rates for specific ranges of income. For example, a single person will pay a marginal tax rate of 24% on $91,900 for tax year 2021. However, that's only on their last bit of income; it is broken down further. They pay 10% on the first $9,950 earned, $995 plus 12% on taxable income over $9,950 and up to $40,525, $4,664 plus 22% on amounts over $40,525 and up to $86,375 and $14,750.66 plus 24% on amounts over $86,375 and up to $164,925. So only $5,524 of the $91,900 is taxed at the 24% marginal tax rate.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EEffective tax rate\u003C\u002Fstrong\u003E is the percentage of your taxable income that you pay in taxes. Take the above example; if that single person pays a total of $16,076.42 in taxes, divide that by $91,900 and you get 0.175, or a 17.5% effective tax rate.\u003C\u002Fp\u003E\u003Ch2\u003EState income tax\u003C\u002Fh2\u003E\u003Cp\u003EState income tax is required alongside federal income tax, but can often be deducted from federal taxes. State income tax varies widely among states.\u003C\u002Fp\u003E\u003Cp\u003EThere are nine states that don't tax income: Alaska, Florida, Nevada, South Dakota, Tennessee, Texas, Washington and Wyoming. New Hampshire doesn't tax wages but does tax money made on investments and other forms of income.\u003C\u002Fp\u003E\u003Cp\u003EThe three states with the highest income tax rates in 2021 are California with 13.3%, Hawaii with 11%, and New Jersey with 10.75%.\u003C\u002Fp\u003E\u003Cp\u003EThe three states with the lowest income tax rates in 2021 are North Dakota with 2.9%, Pennsylvania with 3.07% and Indiana with 3.23%.\u003C\u002Fp\u003E\u003Ch2\u003EThe five filing statuses\u003C\u002Fh2\u003E\u003Cp\u003EThere are five different marital statuses you can choose when filing: single, married filing joint, married filing separate, head of household and qualifying widow(er) with a child.\u003C\u002Fp\u003E\u003Ch3\u003ESingle\u003C\u002Fh3\u003E\u003Cp\u003ETo file as single, a person must be unmarried, divorced, or legally separated on December 31 of the tax year with no qualifying dependents. The standard deduction for the 2021 tax year for a person filing is \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fnewsroom\u002Firs-provides-tax-inflation-adjustments-for-tax-year-2021\" target=\"_blank\"\u003E$12,550\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ESingle Filer's Income\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ETax Due\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$0 – $9,950\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E10%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$9,951 – $40,525\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E12%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$40,526 – $86,375\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E22%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$86,376 – $164,925\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E24%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$164,926 – $209,425\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E32%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$209,426 – $523,600\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E35%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$523,601 +\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E37%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003Chr\u003E\u003Ch3\u003EMarried filing jointly\u003C\u002Fh3\u003E\u003Cp\u003EIf you are married by December 31st of the tax year, you can file your taxes with your spouse. However, this is not required. Married couples can file separately from one another but it is often less beneficial than filing together. The standard deduction for the 2021 tax year for couples filing jointly is \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fnewsroom\u002Firs-provides-tax-inflation-adjustments-for-tax-year-2021\" target=\"_blank\"\u003E$25,100\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EMarried Filing Jointly Income\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ETax Due\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$0 – $19,900\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E10%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$19,901 – $81,050\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E12%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$81,051 – $172,750\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E22%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$172,751 – $329,850\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E24%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$329,851 – $418,850\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E32%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$418,851 – $628,300\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E35%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$628,301 +\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E37%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003Chr\u003E\u003Ch3\u003EMarried filing separate\u003C\u002Fh3\u003E\u003Cp\u003EMarried filing jointly usually yields better returns, but not always. In instances where unique tax situations may result in more taxes owed, a couple might choose to file separately from one another. The standard deduction for someone filing separately from their spouse for the 2021 tax year is \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fnewsroom\u002Firs-provides-tax-inflation-adjustments-for-tax-year-2021\" target=\"_blank\"\u003E$12,550\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EMarried Filing Separate Income\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ETax Due\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$0 – $9,950\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E10%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$9,951 – $40,525\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E12%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$40,526 – $86,375\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E22%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$86,376 – $164,925\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E24%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$164,926 – $209,425\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E32%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$209,426 – $314,151\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E35%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$314,152 +\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E37%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003Chr\u003E\u003Ch3\u003EHead of household\u003C\u002Fh3\u003E\u003Cp\u003EYou may file as head of household if you are unmarried and have paid for more than half of the upkeep and maintenance of your home in the past year. You must also have one or more qualifying dependents. The standard deduction for filing head of household for the 2021 tax year is \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fnewsroom\u002Firs-provides-tax-inflation-adjustments-for-tax-year-2021\" target=\"_blank\"\u003E$18,800\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EHead of Household Income\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ETax Due\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$0 – $14,200\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E10%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$14,201 – $54,200\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E12%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$54,201 – $86,350\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E22%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$86,351 – $164,900\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E24%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$164,901 – $209,400\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E32%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$209,401 – $523,600\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E35%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$523,601 +\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E37%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003Chr\u003E\u003Ch3\u003EQualifying widow(er) with child\u003C\u002Fh3\u003E\u003Cp\u003EYou may file as a qualifying widow(er) with a child if your spouse has died in either of the previous two tax-filing years if you haven't remarried and you have a child. The standard deduction for the 2021 tax year for a qualifying widow(er) with a child is $24,400.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EWidow(er) With Child Income\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ETax Due\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$0 – $19,900\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E10%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$19,901 – $81,050\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E12%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$81,051 – $172,750\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E22%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$172,751 – $329,850\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E24%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$329,851 – $418,850\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E32%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$418,851 – $628,300\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E35%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E$628,301 +\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E37%\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003Chr\u003E\u003Ch2\u003ECommon tax forms you need to know\u003Cbr\u003E\u003C\u002Fh2\u003E\u003Cp\u003EAside from the W2 and 1040, there are multiple other tax forms you are likely to encounter when filing your taxes. While you don't need to know the specifics of each form, a surface-level familiarity with them will help you understand which form to use when.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ETax Form\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EDetails\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EExample Download Link\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EW-2\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EThe W-2 is the primary employer-issued tax form. If an employer paid you wages of more than $600 from which income, social security, or Medicare was withheld, you will receive a W-2.\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ffw2.pdf#link={%22role%22:%22standard%22,%22href%22:%22https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ffw2.pdf%22,%22target%22:%22%22,%22absolute%22:%22%22,%22linkText%22:%22%3Cstrong%3EW-2%3C\u002Fstrong%3E%22}\"\u003E\u003Cstrong\u003EW-2\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EW-2G\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EForm W-2G is the \"Certain Gambling Winnings\" form. It is used to report gambling winnings and any taxes withheld on those winnings. If you have won a significant sum from any gambling institution, you'll receive a W-2G.\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ffw2g.pdf#link={%22role%22:%22standard%22,%22href%22:%22https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ffw2g.pdf%22,%22target%22:%22%22,%22absolute%22:%22%22,%22linkText%22:%22%3Cstrong%3EW-2G%3C\u002Fstrong%3E%22}\"\u003E\u003Cstrong\u003EW-2G\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E1040\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EForm 1040 is the \"U.S. Individual Income Tax Return.\" It's the primary form used by individuals to file their income tax returns with the IRS. The first page of the 1040 collects information on the taxpayer, any dependents, income and adjustments to income. The second page shows deductions and credits and taxes due.\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1040.pdf#link={%22role%22:%22standard%22,%22href%22:%22https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1040.pdf%22,%22target%22:%22%22,%22absolute%22:%22%22,%22linkText%22:%22%3Cstrong%3E1040%3C\u002Fstrong%3E%22}\"\u003E\u003Cstrong\u003E1040\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E1099-MISC\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EThe 1099-MISC is similar to a W2 in that it is provided by employers, but to independent contractors who have earned at least $600 over the course of the year in rent, services performed, prizes and awards, medical and health care payments, crop insurance proceeds, cash payments for fish or other aquatic life, payments to an attorney, and more. This form is also given to individuals who have earned at least $10 in royalties or broker payments.\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1099msc.pdf#link={%22role%22:%22standard%22,%22href%22:%22https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1099msc.pdf%22,%22target%22:%22%22,%22absolute%22:%22%22,%22linkText%22:%22%3Cstrong%3E1099-MISC%3C\u002Fstrong%3E%22}\"\u003E\u003Cstrong\u003E1099-MISC\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E1099-DIV\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EForm 1099-DIV is used to report ordinary dividends, total capital gains, qualified dividends, non-taxable distributions, federal income tax withheld, foreign taxes paid, and foreign source income from investments held by fund companies.\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-access\u002Ff1099div_accessible.pdf#link={%22role%22:%22standard%22,%22href%22:%22https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-access\u002Ff1099div_accessible.pdf%22,%22target%22:%22%22,%22absolute%22:%22%22,%22linkText%22:%22%3Cstrong%3E1099-DIV%3C\u002Fstrong%3E%22}\"\u003E\u003Cstrong\u003E1099-DIV\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E1099-INT\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EForm 1099-INT shows interest income from the previous tax year such as that paid from savings accounts, interest-bearing checking accounts, and US Savings bonds. The form is issued by banks, brokerage firms, and other financial institutions.\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1099int.pdf#link={%22role%22:%22standard%22,%22href%22:%22https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1099int.pdf%22,%22target%22:%22%22,%22absolute%22:%22%22,%22linkText%22:%22%3Cstrong%3E1099-INT%3C\u002Fstrong%3E%22}\"\u003E\u003Cstrong\u003E1099-INT\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E1099-G\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E1099-G is the \"Certain Government Payments\" form. It's used to report unemployment compensation, state or local income tax refunds, credits, offsets, reemployment trade adjustment assistance (RTAA) payments, taxable grants, and\u002For agricultural payments.\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1099g.pdf#link={%22role%22:%22standard%22,%22href%22:%22https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1099g.pdf%22,%22target%22:%22%22,%22absolute%22:%22%22,%22linkText%22:%22%3Cstrong%3E1099-G%3C\u002Fstrong%3E%22}\"\u003E\u003Cstrong\u003E1099-G\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ESSA-1099\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EThe SSA-1099 reports any social security benefits earned, including retirement benefits, disability benefits, and survivor benefits. Depending on a variety of factors, social security benefits may or may not be taxable. There are two variants of the SSA-1099: the SSA-1099-R-OP1 and the SSA-1099-SM. These forms are handled exactly like an SSA-1099.\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpublications\u002Fp915\u002Far02.html#link={%22role%22:%22standard%22,%22href%22:%22https:\u002F\u002Fwww.irs.gov\u002Fpublications\u002Fp915\u002Far02.html%22,%22target%22:%22%22,%22absolute%22:%22%22,%22linkText%22:%22%3Cstrong%3ESSA-1099%3C\u002Fstrong%3E%22}\"\u003E\u003Cstrong\u003ESSA-1099\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E1098-T\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EForm 1098-T is known as the \"Tuition Statement.\" It is used to determine potential education credits, tuition and fee deductions, and other benefits for qualified tuition expenses. This form enables credits like The Lifetime Learning Credit, the American Opportunity Credit, and others.\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1098t.pdf#link={%22role%22:%22standard%22,%22href%22:%22https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1098t.pdf%22,%22target%22:%22%22,%22absolute%22:%22%22,%22linkText%22:%22%3Cstrong%3E1098-T%3C\u002Fstrong%3E%22}\"\u003E\u003Cstrong\u003E1098-T\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E1098-E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EThis form is known as the \"Student Loan Interest Statement.\" Like the name implies, this form displays the amount of interest paid on student loans during the previous tax year. These interest payments are often deductible from your federal tax return, which can lower the amount of taxable income you're liable for.\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1098e.pdf#link={%22role%22:%22standard%22,%22href%22:%22https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1098e.pdf%22,%22target%22:%22%22,%22absolute%22:%22%22,%22linkText%22:%22%3Cstrong%3E1098-E%3C\u002Fstrong%3E%22}\"\u003E\u003Cstrong\u003E1098-E\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E1095-A\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EForm 1095-A is the \"Health Insurance Marketplace Statement.\" If you purchased health insurance through one of the Health Care Exchanges, you will receive one of these forms showing the necessary information for you to obtain the Premium Tax Credit, a benefit introduced with the Affordable Care Act to offset the cost of healthcare.\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1095a.pdf#link={%22role%22:%22standard%22,%22href%22:%22https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1095a.pdf%22,%22target%22:%22%22,%22absolute%22:%22%22,%22linkText%22:%22%3Cstrong%3E1095-A%3C\u002Fstrong%3E%22}\"\u003E\u003Cstrong\u003E1095-A\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003Chr\u003E\u003Ch2\u003ETax credits and how to save money on your return\u003Cbr\u003E\u003C\u002Fh2\u003E\u003Cp\u003EThe purpose of filing your taxes is to reduce the amount of taxable income you're liable for. You can reduce your taxes by investing in retirement savings accounts, contributing to health savings accounts, using tax credits and itemizing.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ERetirement savings accounts\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EA retirement savings account is similar to a traditional, Roth, or Simple IRA. Contributions to these plans are often tax-deductible, although the amount is based on your filing status and your MAGI.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EHealth Savings Accounts and Flexible Spending Accounts\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EHealth savings accounts (HSAs) and flexible spending accounts (FSAs) are both set up via employers. Employees can contribute a portion of their income to these accounts before taxes are deducted (pre-tax) resulting in significant income tax savings. HSAs roll over into the next year if the contributions are not used, unlike FSAs.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EItemizing\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EIf you have a particularly high number of expenses, you can often itemize deductions and receive more than if you had taken the standard deduction. This is useful for self-employed individuals who spend thousands each year on transportation, office expenses and more.\u003C\u002Fp\u003E\u003Ch2\u003ETax deductions versus tax credits\u003C\u002Fh2\u003E\u003Cp\u003EThere are a few basic differences between tax credits and tax deductions. Tax credits provide a dollar-for-dollar reduction of your income tax liability. This means that a $1,000 tax credit saves you $1,000 in taxes. On the other hand, tax deductions lower your taxable income and they're equal to the percentage of your marginal tax bracket. Tax credits, as a rule, are nonrefundable; they reduce your overall liability. However, there are \"refundable\" tax credits that will get you a tax refund once your liability drops to zero. Tax deductions lower your taxable income as calculated by your marginal tax rate.\u003C\u002Fp\u003E\u003Ch2\u003ETax deductions\u003C\u002Fh2\u003E\u003Cp\u003EHere's a look at some of the tax deductions for the 2021 tax year.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EState and local taxes:\u003C\u002Fstrong\u003E You can take deductions for amounts you've paid to state and local income, sales and property taxes up to $10,000 ($5,000 if you are married filing separately).\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EHome mortgage interest:\u003C\u002Fstrong\u003E You can deduct up to $750,000 ($375,000 if married filing separately) of interest on acquisition debt.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ECharitable donations:\u003C\u002Fstrong\u003E You can deduct up to 60% of cash donations to public charities for the 2021 tax year.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPersonal casualty losses:\u003C\u002Fstrong\u003E You can deduct losses attributable to a federal disaster.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EStudent loan interest deduction:\u003C\u002Fstrong\u003E Deduct up to $2,500 in student loan interest paid in 2021 if your MAGI was below $85,000 ($170,000 for joint returns). Note the phaseout starts for taxpayers with MAGI of $70,000 ($140,000 for joint returns).\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EMedical and dental expense deduction:\u003C\u002Fstrong\u003E Deduct medical and dental expenses that exceed 10% of your AGI.\u003C\u002Fp\u003E\u003Chr\u003E\u003Cp\u003E\u003Cstrong\u003ESee also: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthe-income-tax-guide-for-2022\u002F\" target=\"_blank\"\u003EZDNet's guide to filing taxes 2022\u003C\u002Fa\u003E.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Chr\u003E\u003Ch2\u003ETax credits\u003C\u002Fh2\u003E\u003Cp\u003ETax credits reduce the amount you owe. Like the deductions above, this is a list of the most common credits, but not an exhaustive list.\u003C\u002Fp\u003E\u003Ch3\u003EAmerican Opportunity Credit\u003C\u002Fh3\u003E\u003Cp\u003EThe American Opportunity Credit is an education credit available to a parent or spouse of a student. If no one claims the student as a dependent, then the student can claim the credit for themselves.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EWho is eligible?\u003C\u002Fstrong\u003E\u003Cbr\u003EA student must be pursuing a degree, have no felony convictions, have been enrolled for at least one academic term and must not have previously claimed the AOTC credit for more than three years. To gain the full credit, the person claiming it must have a MAGI under $80,000 if filing single or $160,000 if married filing jointly. If your MAGI exceeds $90,000 ($180,000 for married filing jointly), you won't qualify for any credit.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EWhat qualifies?\u003C\u002Fstrong\u003E\u003Cbr\u003EThe AOTC is one of the more beneficial credits because it allows taxpayers to claim all of the first $2,000 in qualified education expenses per year, per student. It also allows taxpayers to claim 25% of the next $2,000 education expenses per year, per student. Further, the credit is 40% refundable -- up to $1,000.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EHow to apply\u003C\u002Fstrong\u003E\u003Cbr\u003ETo apply for the American Opportunity Credit, you will need to fill out \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff8863.pdf\" target=\"_blank\"\u003EForm 8863\u003C\u002Fa\u003E, titled \"Education Credits.\" You'll need a copy of your \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1098t.pdf\" target=\"_blank\"\u003EForm 1098-T\u003C\u002Fa\u003E, as well as a list of all qualifying education expenses, to properly fill out Form 8863.\u003C\u002Fp\u003E\u003Ch3\u003ELifetime Learning Credit\u003C\u002Fh3\u003E\u003Cp\u003EThe Lifetime Learning Credit is an education credit available to a parent or spouse of a student. If no one claims the student as a dependent, then the student can claim the credit for themselves.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EWho is eligible?\u003C\u002Fstrong\u003E\u003Cbr\u003EAnyone taking courses at an eligible institution to improve their job skills, obtain a degree, and is enrolled for at least a single academic period is eligible for the Lifetime Learning Credit. However, if you claim the Lifetime Learning Credit, then you cannot claim the American Opportunity Credit. For full credit, your MAGI must be below $59,000 if filing single or below $118,000 if married filing joint.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EWhat qualifies?\u003C\u002Fstrong\u003E\u003Cbr\u003EThe Lifetime Learning Credit allows you to claim 20% of your first $10,000 in qualified education expenses. Unlike the American Opportunity Credit, it's not refundable; once your tax liability reaches zero, the credit no longer has any benefit.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EHow to apply\u003C\u002Fstrong\u003E\u003Cbr\u003ETo apply for the Lifetime Learning Credit, you will need to fill out \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff8863.pdf\" target=\"_blank\"\u003EForm 8863\u003C\u002Fa\u003E, titled \"Education Credits.\" You'll need a copy of your \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1098t.pdf\" target=\"_blank\"\u003EForm 1098-T\u003C\u002Fa\u003E, as well as a list of all qualifying education expenses, to properly fill out Form 8863.\u003C\u002Fp\u003E\u003Ch3\u003EEarned Income Credit\u003C\u002Fh3\u003E\u003Cp\u003EEarned Income Credit, commonly abbreviated as the EIC, is a credit available to low to mid-income working individuals, especially those with children. Also, there are other stringent requirements to \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Fp596.pdf\" target=\"_blank\"\u003Equalify for the EIC\u003C\u002Fa\u003E: you must not have any foreign investments, you must have earned at least $1 and your 2021 tax year investment income must be $3,650 or lower.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EFiling Status\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ENo Children\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E1 Child\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E2 Children\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003E3+ Children\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ESingle, Head of Household, or Widowed\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$21,430\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$42,158\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$47,915\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$51,464\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EMarried Filing Jointly\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$27,380\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$48,108\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$53,865\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$57,414\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003Ch3\u003E\u003Chr\u003E\u003C\u002Fh3\u003E\u003Ch3\u003EChild Tax Credit\u003C\u002Fh3\u003E\u003Cp\u003EThe Child Tax Credit was designed to offset the cost of raising children. To qualify for this credit, you must have a dependent who is under the age of 17 on December 31 and is a US citizen with a valid Social Security number. The child must be related to you. Also, the dependent must have lived with you for half the year (183 nights) and not provided more than half of their support. The Child Tax Credit can be worth as much as $2,000 per child. Up to $1,400 of the credit can be refunded for each child. However, the credit begins to phase out once you reach a MAGI of $200,000 ($400,000 for married filing jointly).\u003C\u002Fp\u003E\u003Ch3\u003EChild and Dependent Care Credit\u003C\u002Fh3\u003E\u003Cp\u003EIf you paid someone to take care of your child (under the age of 13) while you were at work or school, you might be eligible for the child and dependent care credit. This credit is available to all those who earned income (or are disabled and unable to work), have a qualifying dependent and paid someone to provide care for a qualifying person. The total expenses used to calculate the credit can't exceed $3,000 for one qualifying person ($6,000 for two). Also, this credit is not refundable.\u003C\u002Fp\u003E\u003Ch3\u003ESaver's Tax Credit\u003C\u002Fh3\u003E\u003Cp\u003EThe Saver's Tax Credit, otherwise known as the \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fretirement-plans\u002Fplan-participant-employee\u002Fretirement-savings-contributions-savers-credit\" target=\"_blank\"\u003ERetirement Savings Contributions Credit\u003C\u002Fa\u003E, is a special break created for low to mid-income individuals saving for retirement. If you qualify, you can claim 50%, 20%, or 10% of the first $2,000 you put into a qualifying retirement account ($4,000 if married filing jointly). The credit maxes out at $1,000 ($2,000 if you are married filing jointly). The amount you can claim depends on your income. Single filers with a MAGI over $33,000 won't qualify (and a married couple filing jointly with a MAGI over $66,000).\u003C\u002Fp\u003E\u003Ch3\u003EEnergy and Appliance Tax Credits\u003C\u002Fh3\u003E\u003Cp\u003EIf you have made improvements that make your home more environmentally friendly and energy-efficient, then you may qualify for a tax credit on the cost of those upgrades. \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fnewsroom\u002Fenergy-incentives-for-individuals-residential-property-updated-questions-and-answers\" target=\"_blank\"\u003EHomeowners can receive a credit equal to 30% of the cost of qualified energy-efficient improvements\u003C\u002Fa\u003E in the case of property placed in service after December 31, 2016, and before January 1, 2020, such as solar electric systems and water heaters, wind energy equipment, and geothermal heat pumps. Those hoping to utilize these credits should get written certification from the manufacturer stating that their product qualifies for a tax credit. This information may be found on the company's website or the product's packaging and should be kept with your tax records. \u003C\u002Fp\u003E\u003Ch2\u003ETax-free tuition savings plans\u003C\u002Fh2\u003E\u003Cp\u003ETax-free tuition plans are a way for people to save money for future education expenses. In most cases, distributions from these savings plans are tax-free. These earnings can also continue to grow without being taxed if used for qualified expenses.\u003C\u002Fp\u003E\u003Ch3\u003EQualified Tuition Program\u003C\u002Fh3\u003E\u003Cp\u003EQualified Tuition Programs (QTPs) are sometimes called Section 529 plans. These programs allow contributors to prepay education expenses, or to place money into an account that will be used to pay for education in the future. While there are no tax benefits for contributing, any money placed in the account will continue to grow tax-free. QTP earnings are not taxable unless the funds are used for non-qualified education expenses.\u003C\u002Fp\u003E\u003Ch3\u003ECoverdell Education Savings Account\u003C\u002Fh3\u003E\u003Cp\u003EThe Coverdell Education Savings Account (ESA) is a trust fund. Each account is paid out to a beneficiary. In most cases, the beneficiary must be under 18; however, those with special needs may also qualify. Contributions to an ESA are not tax-deductible, and you cannot contribute more than $2,000 per year. Distributions are tax-free unless used for non-qualifying expenses.\u003C\u002Fp\u003E\u003Ch3\u003EEducation exception to additional tax on early IRA distributions\u003C\u002Fh3\u003E\u003Cp\u003EIn most cases, you can't withdraw funds from an IRA before the maturation date without an additional 10% penalty. However, for certain qualified education expenses, this penalty may be waived -- but all normal taxes for IRA withdrawals will still apply.\u003C\u002Fp\u003E\u003Ch3\u003EEducation savings bond programs\u003C\u002Fh3\u003E\u003Cp\u003EYou may be able to exclude the interest from Series EE and Series I bonds issued after 1989 if you use these for qualified education expenses. This benefit can only be claimed fully by taxpayers with a MAGI of less than $82,350 if filing single, or $123,550 if married filing joint. To claim this, you would fill out IRS \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff8815.pdf\" target=\"_blank\"\u003EForm 8815\u003C\u002Fa\u003E: \"Exclusion of Interest From Series EE and I U.S. Savings Bonds Issued After 1889.\"\u003C\u002Fp\u003E\u003Ch2\u003EScholarships\u003C\u002Fh2\u003E\u003Cp\u003EScholarship funds used for qualified education expenses are usually considered tax-exempt, but only if they meet eligibility requirements. The amount received must be less than or equal to a student's qualified education expenses, the scholarship must not be designated for non-qualified expenses like room and board, and it must not be repayment for services such as teaching.\u003C\u002Fp\u003E\u003Cp\u003EScholarships granted for research, travel, room, and board, clerical help or equipment are not tax-free.\u003C\u002Fp\u003E\u003Chr\u003E\u003Cp\u003E\u003Cstrong\u003ESee also: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthe-income-tax-guide-for-2022\u002F\" target=\"_blank\"\u003EZDNet's guide to filing taxes 2022\u003C\u002Fa\u003E.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Chr\u003E\u003Ch2\u003EOther potential tax breaks for students\u003C\u002Fh2\u003E\u003Cp\u003EIf you're a student, there are numerous potential tax breaks you may be eligible for. Remember that tax breaks are often like scholarships: many go unclaimed simply because people don't know they exist.\u003C\u002Fp\u003E\u003Ch3\u003EStudent loan cancellation\u003C\u002Fh3\u003E\u003Cp\u003EStudent loan cancellation normally counts as income; however, if your loan contains a provisional clause that the debt will be canceled if you meet certain conditions, it may not be taxable. The loan must be a qualified loan from a qualified lender used to attend an eligible educational institution.\u003C\u002Fp\u003E\u003Ch3\u003ERefinanced loans\u003C\u002Fh3\u003E\u003Cp\u003EA refinanced loan may be a tax break if it is made from a qualified educational institution or tax-exempt organization to encourage students to work in a specific area. For a refinanced loan to qualify, the one receiving the loan must be provided services for a governmental unit or a tax-exempt 501(c)(3).\u003C\u002Fp\u003E\u003Ch3\u003EStudent loan repayment assistance\u003C\u002Fh3\u003E\u003Cp\u003EAccording to the IRS, loan repayment assistance granted by the National Health Services Corps Loan Repayment Program is tax-free.\u003C\u002Fp\u003E\u003Ch2\u003EPotential military and veteran tax breaks\u003C\u002Fh2\u003E\u003Cp\u003ETax law is heavily based on the state a person resides in. Because military personnel often live all over the country at different points in the year, their tax situations can be particularly tricky and complicated.\u003C\u002Fp\u003E\u003Ch3\u003EROTC\u003C\u002Fh3\u003E\u003Cp\u003EThe ROTC program sometimes grants education and subsistence allowances for students enrolled in the program. These allowances are exclusions and are therefore not taxable on your income tax return.\u003C\u002Fp\u003E\u003Ch3\u003EVA Education Benefits\u003C\u002Fh3\u003E\u003Cp\u003EVeterans Affairs benefits provided for things such as subsistence, training, and education are tax-free. However, there may be \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpublications\u002Fp970\" target=\"_blank\"\u003Elimits\u003C\u002Fa\u003E to how far this benefit extends.\u003C\u002Fp\u003E\u003Ch3\u003EService Academy Cadets\u003C\u002Fh3\u003E\u003Cp\u003EIf a cadet or midshipman at a military service academy is paid, this is generally considered personal income and is therefore not tax-exempt. However, \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpublications\u002Fp970\" target=\"_blank\"\u003Ecertain circumstances\u003C\u002Fa\u003E may make payment for services exempt.\u003C\u002Fp\u003E\u003Ch2\u003EPotential homeowner tax breaks\u003C\u002Fh2\u003E\u003Ch3\u003EHome mortgage interest\u003C\u002Fh3\u003E\u003Cp\u003EIf you took out a mortgage to finance your home, some of those associated monthly expenses can be deductible if you decide to itemize your deductions. Typically, any interest payments on a mortgage for a main or second home are deductible as long as the mortgage balance is below $750,000 (or $375,000 if married filing separately) and was strictly used to buy, build or make improvements.\u003C\u002Fp\u003E\u003Ch3\u003EProperty tax deductions\u003C\u002Fh3\u003E\u003Cp\u003EHomeowners must often pay annual taxes to local and state governments on the value of their property. In 2021, you can deduct up to $10,000 ($5,000 if you are married filing separately) worth of property taxes, state and local income taxes and sales tax.\u003C\u002Fp\u003E\u003Ch3\u003EMortgage insurance premiums\u003C\u002Fh3\u003E\u003Cp\u003EMortgage insurance premiums paid or accrued on a mortgage issued after 2006 may qualify for inclusion as itemized deductions. Mortgage insurance premiums associated with funds provided through the Department of Veterans Affairs, the Federal Housing Administration, the Rural Housing Service or qualified private providers are all eligible for deduction. However, this deduction begins to phase out if your MAGI is over $100,000 and completely phases out above $109,000.\u003C\u002Fp\u003E\u003Ch2\u003EAdvice on tax preparation\u003C\u002Fh2\u003E\u003Cp\u003EFiling your taxes doesn't have to be a nightmare. Despite the forms, deadlines and endless numbers, tax preparation can be a rather simple process if you approach it the right way.\u003C\u002Fp\u003E\u003Ch3\u003EGuard against tax identity theft\u003C\u002Fh3\u003E\u003Cp\u003ETax identity theft (often called tax fraud) has increased in recent years. Thieves will take your name, your social security number and your date of birth and use them to file a tax return in your name. When you file your return, the IRS will kick it back to you -- and leave you with a long, lengthy process to correct the situation.\u003C\u002Fp\u003E\u003Cp\u003ECriminals can get this information from wallets, internet phishing schemes, even misplaced hospital bills. You can take steps to lower your risk. Shred bills when you are finished with them, only browse trustworthy websites, and never enter your personal information online unless you are using a reputable site.\u003C\u002Fp\u003E\u003Ch3\u003EChoose a tax company with year-round access\u003C\u002Fh3\u003E\u003Cp\u003EAsk yourself: what would you do if audited? Many professional tax preparers offer assistance in handling the IRS in these situations. H&R Block, for example, sells additional \"Peace of Mind\" insurance which means all you have to do is turn over your audit letter to them and the company will handle it. Tax companies that close at the end of the tax season are unable to provide services like this, as audit letters often arrive in the weeks following the April 18 deadline.\u003C\u002Fp\u003E\u003Ch3\u003EWhat to do in case of an audit\u003C\u002Fh3\u003E\u003Cp\u003EThe first thing to remember is that audits are not always a negative thing. You might be audited as the result of a random screening or because something on your return was filed the wrong way. Audits may be performed via mail or through an in-person interview; all contact information and related materials will be in the initial letter you receive.\u003C\u002Fp\u003E\u003Cp\u003EThere are a few steps to take:\u003C\u002Fp\u003E\u003Col\u003E\u003Cli\u003E\u003Cstrong\u003EDetermine why you are being audited:\u003C\u002Fstrong\u003E Did you make a mistake on your math? Did you claim too many donations? Did you forget to include a form? The audit letter will usually inform you of the reason you're being audited. Once you determine the reason the IRS is investigating your return, you'll be able to address the situation.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EGather all relevant documents related to the audit in one place:\u003C\u002Fstrong\u003E Collect all of your tax forms together, including any W-2s, 1099s or other forms you have received. It may also be a good idea to collect your previous years' tax returns to prove consistency.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EMaintain courtesy and politeness in your responses:\u003C\u002Fstrong\u003E Treat an audit like a speeding ticket; if you are courteous and quick with your responses, the process will go much more smoothly.\u003C\u002Fli\u003E\u003C\u002Fol\u003E\u003Ch3\u003EDIY taxes vs. hiring a professional\u003C\u002Fh3\u003E\u003Cp\u003EHiring a professional to do your taxes can be an expensive endeavor, so many people would prefer to handle it themselves. However, you should ask yourself a few things first. Are you comfortable with your tax situation? Do you understand the laws enough to apply them, and are you okay researching tax law if you find something you don't understand?\u003C\u002Fp\u003E\u003Cp\u003EIf you aren't comfortable researching tax law, the idea of working with numbers and calculations scare you, or the entire concept of deductions and credits seems like black magic, you might be better off hiring a professional. On the other hand, if you don't mind numbers and tax law holds some interest for you, then do it yourself -- but be sure to double and triple check your calculations before submitting.\u003C\u002Fp\u003E\u003Ch3\u003EAsking for an Extension\u003C\u002Fh3\u003E\u003Cp\u003EIt's possible to file your taxes after April 18. Filing Form 4868 will allow you to extend your filing deadline to Oct. 17. However, estimated tax payments are still due on April 18. Even if you file later in the year, you must still include a payment with your estimated total taxes by April 18 to avoid late penalties from the IRS.\u003C\u002Fp\u003E\u003Ch2\u003EThe most popular tax software\u003C\u002Fh2\u003E\u003Cp\u003EFiling taxes on your own doesn't need to be a nightmare. There are plenty of free and paid tax software companies that created products to help Americans file their taxes.\u003C\u002Fp\u003E\u003Cp\u003EHowever, make sure you're not paying for tax software that you don't need. If you don't have complicated taxes -- like real estate, investments or foreign income -- free tax software can usually get the job done. Shop around for the software that gives you everything you need for free before committing to one company to file your taxes for you.\u003C\u002Fp\u003E\u003Cp\u003EIf you do have real estate, investments, foreign income or self-employment income then it could be helpful to pay for an upgraded version to ensure that your deductions, wages and credits are properly filed and accounted for. It would be a bigger pain down the road if filed incorrectly.\u003C\u002Fp\u003E\u003Ch2\u003ELastly, remember\u003C\u002Fh2\u003E\u003Cp\u003EWhile tax time can be stressful, it helps when you know what to expect and are proactive about the situation. In this guide, we've covered everything you need to know about income taxes for the 2021 tax year. If you need further help, you can refer to one of the recommended tax software services to guide you through the process and offer personal support. Or, if you prefer, you can seek out an independent tax professional to advise you with filing your taxes. All in all, what is important is that your taxes get properly filed so you can move on with confidence and peace of mind into 2022.\u003C\u002Fp\u003E\u003Chr\u003E\u003Cp\u003E\u003Cstrong\u003ESee also: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthe-income-tax-guide-for-2022\u002F\" target=\"_blank\"\u003EZDNet's guide to filing taxes 2022\u003C\u002Fa\u003E.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Chr\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Cem\u003E[This article was originally published on The Simple Dollar in August 2020. It was updated in January 2022.]\u003C\u002Fem\u003E\u003C\u002Fp\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-04-12 20:23:00",timezone:"UTC",updated:c,published:c},description:"Are you ready for income tax time? Here's our ultimate guide to make sure you're prepared for Tax Day on April 18.",filterKey:"03c423c4-f47c-4771-ab2c-dd13f34c421b",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"561e7c0c-85c3-40f7-b52d-5f4d80b9b87e",image:{id:"bff460a1-e4e1-46c6-b787-8d45f7ce8740",filename:"income-tax-guide.jpg",dateCreated:{created:c,date:"2021-12-13 18:07:35",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"By kenary820 -- Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F12\u002F13\u002Fbff460a1-e4e1-46c6-b787-8d45f7ce8740\u002Fincome-tax-guide.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"guide",hubTopicPathString:"Finance^Taxes",relatedItems:[]},name:b,promoTitle:"Income tax guide: What to know for tax season 2022",section:b,slug:"income-tax-guide",startYear:c,summary:b,title:"Income tax guide: What to know for tax season 2022",topic:{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"114a15be-ec91-11e3-95d2-02911863765e",slug:"smb",name:"SMB",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"2cc1baa1-89c3-432e-b227-90c76ec64034",username:"Michael Rand",profileUrl:c,email:c,firstName:"Michael",lastName:"Rand",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"ed851612-bf52-4d51-ae35-e1d723c4ac5a",filename:"michael-rand-2.jpg",dateCreated:{created:c,date:"2021-07-29 16:53:01",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F29\u002Fed851612-bf52-4d51-ae35-e1d723c4ac5a\u002Fmichael-rand-2.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Michael Rand is a writer based in Beverly, Massachusetts. He holds a master's degree in writing from Salem State University and spent years producing content for clients as an agency writer. His work has been featured in publications like Interest.com, The Simple Dollar, and Overture Magazine.",profile:c,title:"Contributing Writer",bio:b,bureau:c,awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EIf you make a substantial amount of income as a contractor or freelancer, or if you freelance full time, you are required to declare that income on your 2021 tax return and make quarterly tax payments to the IRS.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"ad8bcf79-0e16-4306-9adb-bc484fa3db21\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fad8bcf79-0e16-4306-9adb-bc484fa3db21\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\"Freelance,\" \"self-employed\", or \"contractor\" income is money made without being a full or part-time employee. In other words, it's income you receive without the standard W-2 tax form associated with traditional employment; you'll receive a 1099 form instead. Most importantly, the tax burden is all on you. Funds aren't automatically withheld throughout the year by an employer to cover your tax burden. When you work for yourself, you'll have to pay the employer's -- and personal side -- of taxes yourself.\u003C\u002Fp\u003E\u003Cp\u003EMany sources claim you don't need to file freelance taxes if your tax burden would be less than $1,000. According to \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fbusinesses\u002Fsmall-businesses-self-employed\u002Fself-employed-individuals-tax-center\"\u003Ethe IRS\u003C\u002Fa\u003E, contractors and freelancers are required to file an income tax return if net earnings from self-employment are $400 or more.\u003C\u002Fp\u003E\u003Cp\u003EUsing a freelance tax guide can help you file your 2021 taxes and better understand your tax burden as a contractor.\u003C\u002Fp\u003E\u003Chr\u003E\u003Cp\u003E\u003Cstrong\u003ESee also: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthe-income-tax-guide-for-2022\u002F\" target=\"_blank\"\u003EIncome tax guide 2002\u003C\u002Fa\u003E.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Chr\u003E\u003Ch2\u003E\u003Cstrong\u003EIndependent contractor vs. employee\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EIf you're not sure of what form you should receive or the level of tax liability you'll be responsible for; the IRS classifies freelancers or contractors as anyone who is self-employed or works for themselves providing services to other businesses or the general public. \u003C\u002Fp\u003E\u003Cp\u003EThere are \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fnewsroom\u002Funderstanding-employee-vs-contractor-designation\"\u003Efurther specific requirements\u003C\u002Fa\u003E that classify you as a contractor:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EYou're in control of the result without being directed on how to do it\u003C\u002Fli\u003E\u003Cli\u003EYou aren't trained to do the job by the company or individual contracting you\u003C\u002Fli\u003E\u003Cli\u003EYou're paid a fee or by the job\u003C\u002Fli\u003E\u003Cli\u003EYou don't receive benefits such as insurance or paid time off\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch2\u003E\u003Cstrong\u003EThe forms you need for freelance taxes\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EThe two tax forms you may already be aware of are the \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ffw2.pdf\"\u003EW-2 tax form\u003C\u002Fa\u003E, which is received through traditional employment, and the \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1040.pdf\"\u003E1040 form\u003C\u002Fa\u003E, which is the standard U.S. Individual Income Tax Return.\u003C\u002Fp\u003E\u003Cp\u003EThe forms freelancers need to file taxes properly are different.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1099msc.pdf\"\u003E\u003Cstrong\u003EForm 1099-MISC\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fh3\u003E\u003Cp\u003EAlso referred to as the Miscellaneous Income tax form, this is the tax form used to calculate tax liability as a freelancer. If you made all of your income through freelancing, it would all appear on this form. Otherwise, your income might be split between a 1099-MISC form and a W-2 form.\u003C\u002Fp\u003E\u003Cp\u003EBusinesses you did contract work for may also send you a 1099-MISC form. If you did contract work for multiple businesses, you'll need to collect this form from each company.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1099k.pdf\"\u003E\u003Cstrong\u003EForm 1099-K\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fh3\u003E\u003Cp\u003EIf you received any payments through what's known as a \"payment settlement entity\" or \"PSE,\" they should send you a 1099-K form for \u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fnews\u002Fvenmo-paypal-zelle-must-report-600-transactions-irs-rcna11260\"\u003Epayments over $600\u003C\u002Fa\u003E. PSEs include third-party settlement organizations like Zelle, Cash App, Venmo, PayPal and Stripe.\u003C\u002Fp\u003E\u003Cp\u003EThe 1099-K form is a statement of a reportable payment transaction. In some cases, a company or individual you did contract work for may not send you a 1099-MISC form and instead pay you via a PSE. If this is the case, you'll need this document to report that income.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1040es.pdf\"\u003E\u003Cstrong\u003EForm 1040-ES\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fh3\u003E\u003Cp\u003EThis is the form you use to pay quarterly estimated taxes, which is an option some freelancers take to split up their taxes over four separate payments throughout the year. If you don't want to fill out the form, you can also pay quarterly estimated taxes easily online \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpayments\"\u003Ethrough the IRS website\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ffw9.pdf\"\u003E\u003Cstrong\u003EForm W-9\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fh3\u003E\u003Cp\u003EIf you did any freelance work for a business, you should have received a W-9 to fill out. This is the official form used by third parties to obtain your name, address and taxpayer information. If a company asks you to fill out a W-9 form, it means they will report to the IRS that they paid you money for contract work.\u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003EWhat you can deduct in freelance taxes\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EAs a freelancer and a self-employed person, the government recognizes you as a business entity whether you've incorporated yourself as a business or not. This means you can take certain business tax deductions that W-2 employees generally can't.\u003C\u002Fp\u003E\u003Cp\u003ESome of the most common tax deductions taken by freelancers include the following:\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EHome office costs\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EIf you maintain an office at home, you can write off the cost of that office on your taxes. You'll need to calculate the overall size of your home or apartment in relation to your home office, then calculate how much rent you pay specifically for the square footage of that office space. Using \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fbusinesses\u002Fsmall-businesses-self-employed\u002Fsimplified-option-for-home-office-deduction\"\u003Ethe Simplified Option\u003C\u002Fa\u003E, you'd deduct $5 per square foot of office space.\u003C\u002Fp\u003E\u003Cp\u003EIn order to take this deduction, your home office must only be used for business purposes. For example, if you typically work out of your living room, you can't claim it as your home office because it's used for other purposes.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EUtilities\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EIf you maintain a home office, you can calculate the utility costs for maintaining that office as well — but only that office space, not the rest of your home. Typical utility costs include gas, electricity, heating, air conditioning and phone service.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EProfessional development costs\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EIf you took any classes or courses relevant to your freelance profession, you can deduct these expenses on your taxes.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EProfessional website costs\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003ECosts related to your freelancing website are considered a business expense and can be deducted from your taxes.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003ESoftware costs\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EAny expenses associated with the software you use exclusively for your business can be deducted from your taxes.\u003C\u002Fp\u003E\u003Ch3\u003E\u003Cstrong\u003EMileage and travel expenses\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EIf you travel or drive to conduct business as a freelancer, you can write off the mileage on your taxes. The IRS issues \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fnewsroom\u002Firs-issues-standard-mileage-rates-for-2020\"\u003Estandard mileage rates\u003C\u002Fa\u003E every year for this purpose. \u003C\u002Fp\u003E\u003Cp\u003EThe current rates are:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E57.5 cents per mile driven for business use\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E17 cents per mile driven for medical or moving purposes\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E14 cents per mile driven in service of charitable organizations\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Ch3\u003E\u003Cstrong\u003ECosts of forming a business\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\u003Cp\u003EIf you've incorporated your freelance business, you can write off the expenses of doing so on your taxes, as these are legitimate business expenses.\u003C\u002Fp\u003E\u003Cp\u003ENaturally, you'll want to write off as many expenses as you can. But it's important to be truthful and accurate when making deductions. According to Suzanne Vanzant, Owner of \u003Ca href=\"https:\u002F\u002Fppaccts.com\u002F\"\u003EProfessional Public Accountants\u003C\u002Fa\u003E in Miami, Florida, freelancers have a tendency to inflate their deductions to avoid paying more taxes.\u003C\u002Fp\u003E\u003Cp\u003E\"There are markers and red flags the IRS looks for when evaluating the information presented to them on your tax return, and they will take notice if the expenses are too high against the income,\" Vanzant explains.\u003C\u002Fp\u003E\u003Cp\u003ESelf-employed people tend to be more vulnerable to audit than W-2 employees for this very reason.\u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003EHow to file 2021 freelance taxes\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EIf you're a freelancer, you'll need to file what most would consider a \"complex\" tax return. This means you likely won't be able to use any free tax software if you want to declare your freelance income or take deductions.\u003C\u002Fp\u003E\u003Cp\u003EIt's important to treat your freelance career as a business. For this reason, \u003Cstrong\u003Eit may be a good idea to work with a tax professional\u003C\u002Fstrong\u003E so you can claim all relevant deductions and gain some protection against mistakes or an audit.\u003C\u002Fp\u003E\u003Cp\u003EIf you prefer to file taxes on your own, you can do so \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Ffiling\u002Ffree-file-do-your-federal-taxes-for-free\"\u003Efor free through the IRS website\u003C\u002Fa\u003E. Free tax filing software may be available to you if you made $72,000 or less over the course of the year. If you made more than this, you'll need to file taxes by manually filling out forms, which means you'll need to know how to fill out each form accurately. This can be risky for anyone who isn't a tax preparer, as there are a lot of possibilities to make mistakes. You can also print out your relevant tax forms and mail them to the IRS.\u003C\u002Fp\u003E\u003Cp\u003EIn most cases, it's safer -- albeit more expensive -- to use paid software or rely on a professional tax preparer if you received most or all of your income through freelancing.\u003C\u002Fp\u003E\u003Chr\u003E\u003Cp\u003E\u003Cstrong\u003ESee also: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fthe-guide-to-filing-taxes-in-2022\u002F\" target=\"_blank\"\u003EYour guide to filing taxes in 2022\u003C\u002Fa\u003E.\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Chr\u003E\u003Ch2\u003E\u003Cstrong\u003EQuarterly filing for freelance taxes\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EYou're not alone if you didn't know about filing quarterly estimated taxes.\u003C\u002Fp\u003E\u003Cp\u003E\"One of the most common mistakes I see independent contractors make is the failure to make estimated quarterly tax payments,\" Vanzant says. \"Failure to make estimated tax payments can ultimately end in an underpayment penalty on their taxes. We have a pay-as-you-go system, and the IRS wants its money as you make your money.\"\u003C\u002Fp\u003E\u003Cp\u003EGenerally, \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Ffaqs\u002Festimated-tax\u002Findividuals\u002Findividuals-2\"\u003Efederal quarterly estimated taxes\u003C\u002Fa\u003E must be paid on the following dates:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003EApril 15th\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EJune 15th\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003ESeptember 15th\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003EJanuary 15th\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EHowever, you should check with the IRS each year and save the dates they post into your calendar.\u003C\u002Fp\u003E\u003Cp\u003EIf you only made under $400 freelancing throughout the entire year, you likely \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fbusinesses\u002Fsmall-businesses-self-employed\u002Fself-employed-individuals-tax-center\"\u003Edon't need to report it\u003C\u002Fa\u003E. But any substantial sum you made over the course of the year must be reported to the IRS and requires you to pay accurate quarterly estimated taxes on it. Failure to pay quarterly taxes isn't the only way you can earn a penalty. Vanzant reminds freelancers and contractors that if you underestimate the amount owed or simply don't make the payments at all, there will be a charged penalty.\u003C\u002Fp\u003E\u003Cp\u003ENonetheless, estimating quarterly taxes can be challenging. The best way to do it is to look at your previous years' freelance tax liability and divide it by four. The IRS also provides \u003Ca href=\"https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1040es.pdf\"\u003Ea tax worksheet\u003C\u002Fa\u003E to help you do the calculations.\u003C\u002Fp\u003E\u003Cp\u003EUnfortunately, there is no simple equation for calculating estimated taxes, as they depend on your deductions and the income you make. Many financial experts recommend you set aside \u003Ca href=\"https:\u002F\u002Fwww.nbcnews.com\u002Fbetter\u002Flifestyle\u002Ffreelancing-here-s-how-prepare-tax-season-all-year-long-ncna967321\"\u003Ebetween 25 and 30% of your income\u003C\u002Fa\u003E for taxes in a separate account throughout the year.\u003C\u002Fp\u003E\u003Ch2\u003EFreelancer tax FAQ\u003C\u002Fh2\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8cafd93f-eb32-4e86-870c-1327dba0fa9b\" data-edition=\"us\" data-description=\"\u003Cp\u003ETo avoid penalties, you must file your 2021 taxes by Monday, \u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fnewsroom\u002F2022-tax-filing-season-begins-jan-24-irs-outlines-refund-timing-and-what-to-expect-in-advance-of-april-18-tax-deadline"\u003EApril 18, 2022\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\" data-hed=\"What is the 2022 tax-filing deadline?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"637d9201-b20a-4374-842d-bdaf3bb5b5af\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe self-employment tax rate for 2021 is 15.3%, up to the \u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fbusinesses\u002Fsmall-businesses-self-employed\u002Fself-employment-tax-social-security-and-medicare-taxes"\u003Efirst $142,800\u003C\u002Fa\u003E net income. That amounts to 12.4% for Social Security and 2.9% for Medicare.\u003C\u002Fp\u003E\" data-hed=\"What is the 2021 self-employment tax rate? \" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c69e6eee-abed-4e40-a5d6-7099d42ba189\" data-edition=\"us\" data-description=\"\u003Cp\u003EFreelancers and self-employed individuals who received a Paycheck Protection Loan that was forgiven may need to pay taxes on the amount \u003Ca href="https:\u002F\u002Ftaxfoundation.org\u002Fstate-tax-forgiven-ppp-loans\u002F"\u003Edepending on the state\u003C\u002Fa\u003E. Freelancers in Nevada, Utah, Florida and North Carolina must include PPP loan amounts in their taxable income total.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ESome businesses in Virginia, Rhode Island and California may be liable for taxes on the loan amount. Washington and Ohio do not tax PPP loans (mostly). The rest of the states do not tax PPP loans.\u003C\u002Fp\u003E\" data-hed=\"Are forgiven PPP loans taxable? \" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"063a7711-2807-47fb-8ca5-c71a2517a9ec\" data-edition=\"us\" data-description=\"\u003Cp\u003EAlthough freelancers have the benefit of deducting more expenses than an employee, they are responsible for a self-employment tax of 15.3%, in addition to income and\u002For state taxes.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Do freelancers pay less taxes? \" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"54e22bf9-9793-4e75-8a5e-a64e30aaf5b4\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F54e22bf9-9793-4e75-8a5e-a64e30aaf5b4\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-04-12 19:22:00",timezone:"UTC",updated:c,published:c},description:"This guide will walk you through the forms you need to file taxes the right way and how freelance taxes work if you're self-employed.",filterKey:"03c423c4-f47c-4771-ab2c-dd13f34c421b",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"1324e6a7-b2ef-44cd-b9ae-7a855105753c",image:{id:"c070414e-c7f3-4175-9e2b-f05c46357160",filename:"freelance-tax-guide.jpg",dateCreated:{created:c,date:"2022-01-14 15:35:39",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"Worawee Meepian -- Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F01\u002F14\u002Fc070414e-c7f3-4175-9e2b-f05c46357160\u002Ffreelance-tax-guide.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"guide",hubTopicPathString:"Finance^Taxes",relatedItems:[]},name:b,promoTitle:"The freelancer tax guide: How to file and all the forms needed",section:b,slug:"freelancer-tax-guide",startYear:c,summary:b,title:"Freelancer tax guide: How to file and the forms needed",topic:{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"2cc1baa1-89c3-432e-b227-90c76ec64034",username:"Michael Rand",profileUrl:c,email:c,firstName:"Michael",lastName:"Rand",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"ed851612-bf52-4d51-ae35-e1d723c4ac5a",filename:"michael-rand-2.jpg",dateCreated:{created:c,date:"2021-07-29 16:53:01",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F29\u002Fed851612-bf52-4d51-ae35-e1d723c4ac5a\u002Fmichael-rand-2.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Michael Rand is a writer based in Beverly, Massachusetts. He holds a master's degree in writing from Salem State University and spent years producing content for clients as an agency writer. His work has been featured in publications like Interest.com, The Simple Dollar, and Overture Magazine.",profile:c,title:"Contributing Writer",bio:b,bureau:c,awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EIf you're a first-year college student, it's time to start thinking about how to file taxes for the first time, and if college tuition is tax-deductible. It can be challenging to navigate the US tax code while juggling your course load, a job, and student loans.\u003C\u002Fp\u003E\u003Cp\u003ESome colleges have an office or student center with professionals who can help you with your taxes, although many don't. If you have such a resource, take advantage of it — these types of services can cost hundreds of dollars once you're out of school. Working with a tax professional at your school or elsewhere will also ensure you take advantage of any deductions and tax credits you might qualify for.\u003C\u002Fp\u003E\u003Cp\u003EThere are five steps to take to file taxes as a college student:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ELearn your dependency status\u003C\u002Fli\u003E\u003Cli\u003ECompile your tax forms\u003C\u002Fli\u003E\u003Cli\u003EClaim tax credits\u003C\u002Fli\u003E\u003Cli\u003EClaim higher education tax deductions\u003C\u002Fli\u003E\u003Cli\u003EFile your taxes\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"508dc7c3-9265-4f88-89b1-ec1551a0fed8\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhile college is an opportunity to exercise your independence as an adult, you may still be considered a "dependent" for tax purposes.\u003C\u002Fp\u003E\u003Cp\u003EYou'll need to have a conversation with your parents or guardians to establish your dependency status. If you're a student and your parents are claiming you as a dependent, you aren't eligible to claim deductions or credits yourself.\u003C\u002Fp\u003E\u003Cp\u003ENonetheless, there could be advantages to remaining as a dependent for as long as you can while you're in college.\u003C\u002Fp\u003E\u003Cp\u003E"Dependent students may want to have their parents claim them instead of claiming themselves.," said&nbsp;Walt Minnick, Financial Aid Specialist at Orange Coast College. "The tax benefits are usually higher for the parents than for the student, which can better benefit the family as a whole."\u003C\u002Fp\u003E\u003Cp\u003E\u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Ffaqs\u002Ffiling-requirements-status-dependents\u002Fdependents\u002Fdependents-2" target="_blank"\u003EAccording to the IRS\u003C\u002Fa\u003E, your parents can claim you as a dependent until you are 19, but once you're a student, that dependency status can be extended until you're 24. If this is the case, you can still file taxes, but you need to indicate that someone else can claim you as a dependent on your tax return. Furthermore, you can't claim any credits or deductions your parents are already claiming on their return.\u003C\u002Fp\u003E\" data-hed=\"Dependency Status\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"fbf097c9-5339-44da-af76-be5da0677fde\" data-edition=\"us\" data-description=\"\u003Cp\u003EAt the beginning of the new year, and before the April 18 tax filing deadline, you'll receive various tax documents and forms for filing a return. These forms may come from employers from the previous year, student loan lenders, your college, and any financial institution you maintain a retirement account with if you have one.\u003C\u002Fp\u003E\u003Cp\u003EIt's important to wait until all this paperwork arrives before you file taxes. If you file too early, there could be discrepancies in your taxes that you'll need to fix later.\u003C\u002Fp\u003E\u003Cp\u003EIf you're away at school, ask your parents to keep an eye out for any documents that get sent to your permanent address instead of to you at school. If possible, write a list of everyone who would send you a document. Contact these institutions to confirm your correct address, including spelling and apartment number, so they are sure to be sent to the correct place. Some of these forms and documents are available online.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EW-2:\u003C\u002Fstrong\u003E&nbsp;You'll receive this from your employer; it contains any taxes that were withheld from your paycheck. If you don't receive one, contact your employer to confirm the address.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EForm 1099:\u003C\u002Fstrong\u003E&nbsp;A 1099 tax form is a record that some entity or person other than your employer gave or paid you money. If you did any freelance or contract work to earn income but weren't formally employed, whoever paid you should send you this form. You are only required to use this form if you receive miscellaneous funds&nbsp;\u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fbusinesses\u002Fsmall-businesses-self-employed\u002Fam-i-required-to-file-a-form-1099-or-other-information-return" target="_blank"\u003Eover $600 in the year\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EForm 1098-T:\u003C\u002Fstrong\u003E&nbsp;This is your tuition statement, which your college should provide. It will include information you'll need to report to claim education credits — such as tuition paid, related expenses, any scholarships or grants you received, and any adjustments from last year. If you haven't received this form, contact your school to request it. The&nbsp;\u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1098t.pdf" target="_blank"\u003EIRS offers instructions\u003C\u002Fa\u003E&nbsp;for this form as well as an example.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EForm 8863:\u003C\u002Fstrong\u003E&nbsp;You'll need this to see if you qualify for education credits, including the American Opportunity Credit and the Lifetime Learning Credit. Here is an example of&nbsp;\u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff8863.pdf" target="_blank"\u003EForm 8863\u003C\u002Fa\u003E&nbsp;with directions on how to complete it.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EForm 1098-E:\u003C\u002Fstrong\u003E&nbsp;You'll need this to deduct any interest you paid on a qualified student loan during the tax year. If you paid more than $600 in interest, your lender should send you this form. IRS.gov provides an&nbsp;\u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1098e.pdf" target="_blank"\u003Eexample of this form\u003C\u002Fa\u003E&nbsp;and directions on how to claim this deduction.\u003C\u002Fp\u003E\" data-hed=\"Tax Forms\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c15335dd-7602-40cc-9d70-88dd73c8fb07\" data-edition=\"us\" data-description=\"\u003Ch3\u003EAmerican Opportunity Credit\u003C\u002Fh3\u003E\u003Cp\u003EYou can claim the&nbsp;\u003Ca href="https:\u002F\u002Fwww.thesimpledollar.com\u002Ftaxes\u002Famerican-opportunity-credit\u002F"\u003EAmerican Opportunity Tax Credit\u003C\u002Fa\u003E&nbsp;if you're an undergraduate and have not completed the first four years of post-secondary education as of the beginning of the year. You'll need to be in a program at a recognized post-secondary educational institution working toward a degree or certificate. According to&nbsp;\u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fcredits-deductions\u002Findividuals\u002Faotc" target="_blank"\u003EIRS.gov\u003C\u002Fa\u003E, you need to have at least half the full-time workload for at least one of your academic periods. Also, you don't qualify if you've been convicted of a felony drug offense.\u003C\u002Fp\u003E\u003Cp\u003EThis credit is a modified version of the Hope Credit. The updated version allows required course materials — like books, supplies, and equipment) — as qualifying expenses, allows the credit to be claimed for four years instead of two, and broadens the range to include taxpayers with higher incomes.\u003C\u002Fp\u003E\u003Cp\u003EThis would allow a maximum annual credit of $2,500 of the cost of tuition, fees, and course materials paid during the taxable year for each student. According to IRS.gov, the credit is 40% refundable up to $1,000, which means you'd get money back even if you don't owe taxes.\u003C\u002Fp\u003E\u003Cp\u003EYou're eligible to claim this credit if your modified adjusted gross income is $80,000 or less, or $160,000 or less if you're filing jointly.\u003C\u002Fp\u003E\u003Ch3\u003ELifetime Learning Credit\u003C\u002Fh3\u003E\u003Cp\u003EThe Lifetime Learning Credit allows you to claim a credit of up to $2,000 on qualified education expenses. Unlike the American Opportunity Credit, this is nonrefundable. You won't get money returned to you, but it can reduce what you owe.\u003C\u002Fp\u003E\u003Cp\u003EUnlike American Opportunity, the&nbsp;\u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fcredits-deductions\u002Findividuals\u002Fllc" target="_blank"\u003ELifetime Learning Credit\u003C\u002Fa\u003E&nbsp;is good for postsecondary education and any courses to acquire or improve job skills. Plus, a felony drug conviction doesn't make you ineligible.\u003C\u002Fp\u003E\u003Cp\u003EYou're eligible for this credit if you've paid for qualified education expenses and if you're considered an eligible student. For this credit, the amount of your Lifetime Learning Credit is gradually reduced and eventually phased out if your modified adjusted gross income (MAGI) is between $59,000 and $69,000 if you're single or between $118,000 and $138,000 if you're filing jointly. You cannot claim this credit if your MAGI is $69,000 filing independently or $138,000 filing jointly.\u003C\u002Fp\u003E\u003Cp\u003EYou aren't eligible for this credit if you're a dependent or you're married filing separately.\u003C\u002Fp\u003E\u003Cp\u003EYou can't claim both the Lifetime Learning and American Opportunity credits. You also can't claim one of these credits along with deducting your tuition and fees.\u003C\u002Fp\u003E\u003Cp\u003EThere's no limit to the number of years you can claim this credit, unlike the American Opportunity Credit, which doesn't allow you to take the credit on the same student for more than four years.\u003C\u002Fp\u003E\" data-hed=\"Claiming Education Tax Credits\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"9366eaaf-6835-4f52-b90f-ca73603d416e\" data-edition=\"us\" data-description=\"\u003Cp\u003ECollege tuition is no longer tax-deductible. Up until 2017, you could deduct up to $4,000 of qualified college costs, including tuition and other qualified expenses. But \u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fnewsroom\u002Ftax-benefits-for-education-information-center#deductions" target="_blank"\u003Eaccording to the IRS\u003C\u002Fa\u003E, "The tuition and fees deduction is not available for tax years after 2017."\u003C\u002Fp\u003E\u003Cp\u003ENevertheless, you can still claim applicable tax credits as listed above and you can deduct your student loan interest as you pay off your student loans after college.\u003C\u002Fp\u003E\u003Ch3\u003EDeducting Your Student Loan Interest\u003C\u002Fh3\u003E\u003Cp\u003EIf you have a qualified student loan, you can deduct up to $2,500 in interest, and it's claimed as an adjustment to your income. A qualified student loan is a "loan you took out solely to pay qualified education expenses," \u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fnewsroom\u002Ftax-benefits-for-education-information-center#deductions" target="_blank"\u003Eaccording to the IRS\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Cp\u003ETo qualify for this deduction:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EYou must have paid interest on a qualified student loan in the tax year 2020\u003C\u002Fli\u003E\u003Cli\u003EYou're legally obligated to pay interest on your student loan\u003C\u002Fli\u003E\u003Cli\u003EYou aren't married but filing separately\u003C\u002Fli\u003E\u003Cli\u003EYour MAGI is less than the specified amount (in this case, $90,000 single or $180,000 jointly)\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EIf your MAGI is over $80,000, the deduction will phase out until it is eliminated at a MAGI of $90,000 if filing alone or $180,000 if filing jointly.\u003C\u002Fp\u003E\u003Cp\u003EForm 1098-E should be provided for you by your lender. They may mail you a paper copy of this form, but many lenders also allow you to access your form online by signing into your account. If you have trouble accessing your form, contact your loan lender.\u003C\u002Fp\u003E\" data-hed=\"Deducting Higher Education Expenses\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"38355772-3c5e-4216-a532-e92fb3521c8e\" data-edition=\"us\" data-description=\"\u003Cp\u003ELooking for scholarships and grants should be on every current and prospective college student's mind. But what happens at tax time? Here's what you need to know:\u003C\u002Fp\u003E\u003Cp\u003EYour scholarships, grants, and fellowships are considered tax-free only if you are using the entire amount to pay for tuition, fees for enrollment, books, supplies and equipment required by your college.\u003C\u002Fp\u003E\u003Cp\u003EIf you used a portion of that scholarship for "incidental" expenses like room and board, you'll need to claim that as part of your income. For example, say you received a $5,000 scholarship. You use $2,500 to pay tuition, and the other $2,500 to pay room and board. You'll need to report that $2,500 you used for rent and food as taxable income on&nbsp;\u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1040.pdf" target="_blank"\u003EForm 1040\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Cp\u003EThe IRS offers&nbsp;\u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Ftaxtopics\u002Ftc421" target="_blank"\u003Emore information\u003C\u002Fa\u003E&nbsp;on scholarships, grants, fellowships, and taxes.\u003C\u002Fp\u003E\" data-hed=\"Scholarships and Your Taxes\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"92d5d0f4-3de4-4f0f-b7b4-68408d63e24f\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou might not need to file a tax return if your income is not above a certain amount depending on your filing status. Use the&nbsp;\u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fhelp\u002Fita\u002Fdo-i-need-to-file-a-tax-return" target="_blank"\u003EIRS questionnaire\u003C\u002Fa\u003E&nbsp;on whether or not you are required to file a tax return.\u003C\u002Fp\u003E\u003Cp\u003EIf you worked during the past tax year, file a \u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1040.pdf" target="_blank"\u003EForm 1040\u003C\u002Fa\u003E&nbsp;and a \u003Ca href="https:\u002F\u002Fwww.irs.gov\u002Fpub\u002Firs-pdf\u002Ff1040sa.pdf" target="_blank"\u003E1040 Schedule A\u003C\u002Fa\u003E. If you filled out the FAFSA for financial aid and worked a qualified job on campus as part of work-study, you'll receive a W-2 and report this on your taxes.\u003C\u002Fp\u003E\u003Cp\u003EOut-of-state students might have earned income in two states. If you are working at school but maintain a job at home during summer or holiday breaks, you'll need to file a tax return in both states. According to Minnick, "Out of state students will likely have to file three returns — for the host state, the home state, and federal taxes."\u003C\u002Fp\u003E\" data-hed=\"Income and Your Taxes\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"54e22bf9-9793-4e75-8a5e-a64e30aaf5b4\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F54e22bf9-9793-4e75-8a5e-a64e30aaf5b4\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Cem\u003E[This article was originally published on The Simple Dollar in March, 2020. It was updated in November, 2021.]\u003C\u002Fem\u003E\u003C\u002Fp\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-04-12 18:00:00",timezone:"UTC",updated:c,published:c},description:"Here's the information you need to know to file your taxes for the first time and to do it right.",filterKey:"03c423c4-f47c-4771-ab2c-dd13f34c421b",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"1d02dcd0-a279-40d8-b45f-32042f7627a3",image:{id:"08c73d70-bc42-4eac-8d07-66f4f49b685e",filename:"istock-1134000614.jpg",dateCreated:{created:c,date:"2021-01-14 09:35:35",timezone:"UTC",updated:c,published:c},alt:"Young woman using laptop",credits:"Getty Images\u002FiStockphoto",caption:"\u003Cp\u003EFocused college student sitting in cafeteria taking notes while using laptop. Young brazilian woman doing research for business at coffee shop. African american girl sitting in cafe using computer and writing notes.\"r\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F01\u002F14\u002F08c73d70-bc42-4eac-8d07-66f4f49b685e\u002Fistock-1134000614.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1257,height:835,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"guide",hubTopicPathString:"Finance^Taxes",relatedItems:[]},name:b,promoTitle:"Tax guide for college students: How to file and tips and tricks",section:b,slug:"tax-guide-for-college-students",startYear:c,summary:b,title:"Tax guide for college students: Tips on how to file",topic:{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"54ddfe1c-d6bf-40f6-9cec-488a5d0c5705",slug:"taxes",name:"Taxes",typeName:"content_topic",uuid:b,primary:a,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d}],componentLabel:"Taxes",description:c,filters:c,paging:c,slug:"taxes",title:"Taxes",label:c,viewMoreText:c,viewMoreUrl:c,relatedItems:c},{id:"bc210322-3b6a-4aca-a4c3-8759e161b6c0",meta:{componentName:"bc210322-3b6a-4aca-a4c3-8759e161b6c0",componentDisplayName:"Investing",componentType:"ContentList"},metadata:{},links:{self:{href:"https:\u002F\u002Fbender.cnetstatic.com\u002Fapi\u002Fneutron\u002Fcomponents\u002Fzdnet\u002Flisting\u002Fmulti_filtered_listing\u002Fbc210322-3b6a-4aca-a4c3-8759e161b6c0\u002Fweb?searchBy=id&topicSlug=finance&componentType=ContentList&componentName=bc210322-3b6a-4aca-a4c3-8759e161b6c0"}},items:[{author:{id:"0a6fffc2-2220-44ba-99e4-4c567f6f57bb",username:"maria-diaz-zd",profileUrl:c,email:c,firstName:"Maria",lastName:"Diaz",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"d89921b7-c002-40ef-8401-f002f1a769e9",filename:"maria-diaz.jpg",dateCreated:{created:c,date:"2022-08-05 14:44:33",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002Fd89921b7-c002-40ef-8401-f002f1a769e9\u002Fmaria-diaz.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Maria Diaz is a staff writer based in the Raleigh-Durham, NC area with a passion for home automation and a background in graphic design, photography, and filmmaking. She has a bachelor's in Mass Communication and experience in journalism.",profile:c,title:"Staff Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EBudgeting can be challenging, but with many Americans living paycheck-to-paycheck, it's a necessary evil for most of us. What that budget looks like, however, is different for everyone. Budget apps simplify the process by helping you track your spending, reach financial goals, and even lower your debt.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-early-black-friday-deals-amazon-walmart-best-buy-and-more\u002F\"\u003EBest early Black Friday deals: Amazon, Walmart, Best Buy, and more\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EWith \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Fhome-and-office\u002Fintuit-kills-mint-and-personal-finance-app-users-are-unhappy\u002F\" target=\"_blank\"\u003EIntuit shutting down Mint\u003C\u002Fa\u003E, one of the most popular budget apps, users are looking for alternatives. If you're a former Mint user or simply looking to be budget-conscious ahead of the Black Friday shopping craze this holiday season, we've rounded up the best budget apps available today. \u003C\u002Fp\u003E\u003Ch2\u003EThe best budget apps of 2023\u003C\u002Fh2\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"67aebe55-f637-44cc-a1c2-03505144cb7c\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E No free version, 30-day free trial&nbsp;| \u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E Must purchase plan to use | \u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E $15\u002Fmonth or $99\u002Fyear | \u003Cstrong\u003EExtra features:\u003C\u002Fstrong\u003E Bank account linking available\u003C\u002Fp\u003E\u003Cp\u003EAs one of the most popular budgeting apps, YNAB (why-nab) is a great choice for anyone looking to get serious about their personal finance, achieving savings goals, and wiping out debt. As a detailed budgeting tool, YNAB makes easy work of expense tracking in real-time thanks to the ability to link your bank accounts.\u003C\u002Fp\u003E\u003Cp\u003EOne downside is that YNAB requires a subscription to use it, as there is no free version of the app. YNAB gives users a 30-day free trial before charging the user for a subscription, a time in which the app claims to save users up to $200. After the 30-day trial period ends, users can pay $15\u002Fmonth or $99\u002Fyear for the app.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"You Need a Budget (YNAB)\" data-superlative=\"Best budget app overall\" data-imagegroup=\"{"alt":"You need a budget YNAB","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"1f027e2e-12ff-4201-bacc-72f9f1741108","title":"You need a budget YNAB","filename":"ynab.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F1f027e2e-12ff-4201-bacc-72f9f1741108\u002Fynab.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2278887,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:12:15","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:12:28","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"You need a budget YNAB","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"1f027e2e-12ff-4201-bacc-72f9f1741108","imageAltText":"You need a budget YNAB","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"ynab.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fyouneedabudget.a4xxmk.net\u002Fc\u002F159047\u002F741248\u002F10892?&sharedId=zdnet&u=https%3A%2F%2Fwww.ynab.com%2F&subId1=subid_value","offerMerchant":"YNAB","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.ynab.com\u002F","url":"https:\u002F\u002Fyouneedabudget.a4xxmk.net\u002Fc\u002F159047\u002F741248\u002F10892?&sharedId=zdnet&u=https%3A%2F%2Fwww.ynab.com%2F&subId1=subid_value"},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fynab-budgeting-finance\u002Fid1010865877","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.youneedabudget.evergreen.app&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\" data-like=\"Long free trial period~Loan calculator~Compatible with many banks\" data-dislike=\"Must purchase plan~No bill-paying capabilities\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"88b8754d-fa64-422b-81d3-03a81632136a\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E Bank account linking, balance alerts, subscription flagger, spending tracker&nbsp;|&nbsp;\u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E&nbsp;Subscription cancellation assistant, money expert advice, bill negotiation, savings account, and credit card&nbsp;|&nbsp;\u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E&nbsp;$3-$12\u002Fmonth or $36-$144\u002Fyear |&nbsp;\u003Cstrong\u003EExtra features:\u003C\u002Fstrong\u003E&nbsp;Sliding scale subscription cost\u003C\u002Fp\u003E\u003Cp\u003ERocket Money is a budget app that tracks subscriptions and bills and helps you identify potential savings in your recurrent expenses for free. It lets users link accounts and flags subscriptions for you, making it easy to cancel the ones you no longer need. The Rocket Money app also reminds you of due bills to prevent late payments and features a spending tracker for financial budgeting.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe Rocket Money app is free for budgeting and spotting unnecessary subscriptions but there is a Premium subscription that gives users access to bill negotiation, a cancellations assistant to cancel those subscriptions for you,&nbsp;and more. The Premium subscription is available for a variable cost that ranges from $3 to $12 monthly.\u003C\u002Fp\u003E\" data-hed=\"Rocket Money\" data-superlative=\"Best free budget app\" data-imagegroup=\"{"alt":"Rocket Money","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"65e12395-fb07-415b-915f-798ea57e3665","title":"Rocket Money","filename":"rocke.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F65e12395-fb07-415b-915f-798ea57e3665\u002Frocke.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2308087,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:20:25","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:20:34","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Rocket Money","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"65e12395-fb07-415b-915f-798ea57e3665","imageAltText":"Rocket Money","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"rocke.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Frocketmoney.sjv.io\u002Fc\u002F159047\u002F616684\u002F10034?&sharedId=zdnet&u=https%3A%2F%2Fwww.rocketmoney.com%2F&subId1=subid_value","offerMerchant":"Rocket Money","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.rocketmoney.com\u002F","url":"https:\u002F\u002Frocketmoney.sjv.io\u002Fc\u002F159047\u002F616684\u002F10034?&sharedId=zdnet&u=https%3A%2F%2Fwww.rocketmoney.com%2F&subId1=subid_value"},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Frocket-money-bills-budgets\u002Fid1130616675","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.truebill&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\" data-like=\"Bill negotiations~Sync all of your accounts~Sliding scale pricing\" data-dislike=\"Limited features with free plan option\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"db41312c-45b7-4852-9383-d7add6ce62b1\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E Envelope budgeting and transaction tracking; limit 20 envelopes&nbsp;|&nbsp;\u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E&nbsp;Unlimited envelopes, support for up to five devices, &nbsp;|&nbsp;\u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E&nbsp;$8\u002Fmonth or $70\u002Fyear&nbsp;| where are you make a good very good for you it's like\u003C\u002Fp\u003E\u003Cp\u003EAs a mom of three who enjoys a good budget (pun intended) with both spreadsheets and pen and paper, Goodbudget is one of my favorite apps. Goodbudget strips down the bells and whistles of a traditional budgeting app in favor of a straightforward approach that multiple household members can see and manage.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EGoodbudget has you allocate funds into digital envelopes, just like you'd put physical cash into paper envelopes. The budget can be set according to the user's individual needs and how often income comes in, and the user categorizes different expenses and sets a budget for each one.\u003C\u002Fp\u003E\u003Cp\u003EFor example, if we typically spend $180 on gas monthly, I create a $200 digital envelope in Goodbudget labeled Gas, to account for any pricing fluctuations. Whatever isn't used, I can "sweep" into savings or debt repayment.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Goodbudget\" data-superlative=\"Best budget app for the envelope method\" data-imagegroup=\"{"alt":"Goodbudget","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"1d6e0536-b804-4ad9-aaa1-c4124a00083e","title":"Goodbudget","filename":"goodb.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F1d6e0536-b804-4ad9-aaa1-c4124a00083e\u002Fgoodb.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2519060,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:25:13","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:25:19","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Goodbudget","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"1d6e0536-b804-4ad9-aaa1-c4124a00083e","imageAltText":"Goodbudget","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"goodb.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fgoodbudget-budget-planner\u002Fid471112395","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.dayspringtech.envelopes&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Goodbudget","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fgoodbudget.com\u002F","url":""}]\" data-usepricing=\"true\" data-like=\"Smart reporting~Affordable plan~Compatible with several devices\" data-dislike=\"Must manually log items~Paid plan has the best features\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c2018f22-0ecf-41fa-8bab-320d2fd25008\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree version:\u003C\u002Fstrong\u003E&nbsp;Does have ads | \u003Cstrong\u003EPaid version:\u003C\u002Fstrong\u003E No subscriptions | \u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E Free | \u003Cstrong\u003EExtra features:\u003C\u002Fstrong\u003E Bank account linking, messaging, joint banking account\u003C\u002Fp\u003E\u003Cp\u003EHoneydue is a free app that is specifically designed for two people managing budgets together, which could help when couples and young families are building a shared financial picture. The fact that Honeydue is free means couples who don't want to invest in a budgeting app don't have to, though the app does have ads.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThe Honeydue app lets users link their bank accounts for real-time expense tracking, like Mint and other budget apps do, but it also has an in-app chat that lets the couple discuss finances without switching to a messaging app.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EThere's also the option to open a joint bank account with a debit card that features no monthly fees or minimum deposit requirements.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Honeydue\" data-superlative=\"Best budget app for couples\u002Ffamilies\" data-imagegroup=\"{"alt":"Honeydue","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"cdd5b9c1-4729-4589-8512-604cffe190b8","title":"Honeydue","filename":"honeydue.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002Fcdd5b9c1-4729-4589-8512-604cffe190b8\u002Fhoneydue.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2259598,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:40:30","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:40:38","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Honeydue","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"cdd5b9c1-4729-4589-8512-604cffe190b8","imageAltText":"Honeydue","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"honeydue.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Honeydue","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.honeydue.com\u002F","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apps.apple","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fhoneydue-couples-finance\u002Fid1157633945","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Play.google","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.honeydue.honeydue&hl=en&pcampaignid=MKT-Other-global-all-co-prtnr-py-PartBadge-Mar2515-1&pli=1","url":""}]\" data-usepricing=\"true\" data-like=\"~Free to use ~Joint banking account ~In-app messaging with partner\" data-dislike=\"~Few savings\u002Ffinancial goals abilities ~There are ads\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"97d358b6-1b9c-4e90-8b03-f36235959cc4\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFree\u003C\u002Fstrong\u003E\u003Cstrong\u003E version:\u003C\u002Fstrong\u003E Basic budgeting features |\u003Cstrong\u003E Paid version:\u003C\u002Fstrong\u003E&nbsp;Debt payoff plan, unlimited budgets, extended transaction history&nbsp; | \u003Cstrong\u003ECost:\u003C\u002Fstrong\u003E $8\u002Fmonth, $35\u002Fyear, $80\u002Flifetime&nbsp;|\u003Cstrong\u003E Extra features:\u003C\u002Fstrong\u003E Pie chart reports for free and paid users, "In My Pocket" tracker\u003C\u002Fp\u003E\u003Cp\u003EUtilizing smart algorithms to manage and track spending, PocketGuard takes a modern approach to budgeting. The app monitors your bills, helping to remind you ahead of missing payments. True to its name, Pocketguard's built-in anti-fraud feature helps to keep track and alerts you of suspicious spending trends.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWith the "In My Pocket" (IMP) feature, the app automatically calculates monthly expenses and then notifies you of any leftover funds.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWhile you don't have to pay to use PocketGuard, you must subscribe if you want to access all of the best features.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"PocketGuard\" data-superlative=\"Best budget app for overspenders\" data-imagegroup=\"{"alt":"PocketGuard","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"69c262c1-fd32-4d61-b4f6-25317291a0e3","title":"PocketGuard","filename":"pocketguard.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F69c262c1-fd32-4d61-b4f6-25317291a0e3\u002Fpocketguard.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":1625464,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 15:46:16","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 15:46:24","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"PocketGuard","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"69c262c1-fd32-4d61-b4f6-25317291a0e3","imageAltText":"PocketGuard","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"pocketguard.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fpocketguard-money-budgeting\u002Fid949414211","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.pocketguard.android.app&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Pocketgaurd","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fpocketguard.com\u002F","url":""}]\" data-usepricing=\"true\" data-like=\"Suspicious transactions monitoring~Debt payoff plan~Negotiate interest rates\" data-dislike=\"Paid plan for best features~Lower Google Play Store rating\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c1a419c1-19af-4522-8912-48381505968d\" data-edition=\"us\" data-description=\"\u003Cp\u003EYNAB is our pick for the best budgeting app because it combines many features and is easy to use. However, that doesn't make YNAB the best budget app for everyone. Rocket Money is a top choice for anyone looking to save some cash, thanks to its sliding scale of pricing and expansive services. Here's how the apps we looked into stack up:&nbsp;\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EBudgeting app\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EZDNET's take\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003ECost\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EApp Store Rating\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EGoogle\u003C\u002Fstrong\u003E\u003Cstrong\u003E Play\u003C\u002Fstrong\u003E\u003Cstrong\u003E Rating\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EYou\u003C\u002Fstrong\u003E\u003Cstrong\u003E need a\u003C\u002Fstrong\u003E\u003Cstrong\u003E budget\u003C\u002Fstrong\u003E\u003Cstrong\u003E (YNAB)\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest budget app overall\u003C\u002Ftd\u003E\u003Ctd\u003E$15\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.80\u003C\u002Ftd\u003E\u003Ctd\u003E4.7\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003ERocket Money\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest free budget app\u003C\u002Ftd\u003E\u003Ctd\u003EFree or $3-$12\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.30\u003C\u002Ftd\u003E\u003Ctd\u003E4.4\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EGoodbudget\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for the envelope method\u003C\u002Ftd\u003E\u003Ctd\u003EFree or $8\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.60\u003C\u002Ftd\u003E\u003Ctd\u003E4.2\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EHoneydue\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for couples\u003C\u002Ftd\u003E\u003Ctd\u003EFree with ads\u003C\u002Ftd\u003E\u003Ctd\u003E4.50\u003C\u002Ftd\u003E\u003Ctd\u003E3.3\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EPocketGuard\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EBest for overspenders\u003C\u002Ftd\u003E\u003Ctd\u003EFree or $8\u002Fmonth\u003C\u002Ftd\u003E\u003Ctd\u003E4.70\u003C\u002Ftd\u003E\u003Ctd\u003E3.7\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"What is the best budget app?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"cc870d10-dedf-4cdd-b35f-509c47cc3b42\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe right budget app for you will depend on how you want to budget, whether you want specific features like bill negotiations or credit scores, whether you have a single or combined checking account, and what price you're willing to spend per month for a subscription.\u003C\u002Fp\u003E\u003Cp\u003EBelow, I've broken down the options further.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EChoose this budget\u003C\u002Fstrong\u003E\u003Cstrong\u003E app...\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cstrong\u003EIf\u003C\u002Fstrong\u003E\u003Cstrong\u003E you...\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EYou\u003C\u002Fstrong\u003E\u003Cstrong\u003E need a\u003C\u002Fstrong\u003E\u003Cstrong\u003E budget\u003C\u002Fstrong\u003E (\u003Cstrong\u003EYNAB\u003C\u002Fstrong\u003E)\u003C\u002Ftd\u003E\u003Ctd spellcheck="false"\u003EAre committed to creating and achieving your ideal financial budget. Its free trial lasts 30 days, so you can try it out for a month before subscribing.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003ERocket\u003C\u002Fstrong\u003E\u003Cstrong\u003E Money\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EWant great options for free or a lower price. The app can handle bill negotiations for you to get you lower prices on what you pay monthly.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EGoodbudget\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd spellcheck="false"\u003EPrefer budgeting using the envelope method. You can sync your budget(s) across multiple users&nbsp;and devices.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EHoneydue\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd spellcheck="false"\u003EWould like to include your partner in your financial planning. Track expenses together and message in-app to discuss spending.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cstrong\u003EPocketGuard\u003C\u002Fstrong\u003E\u003C\u002Ftd\u003E\u003Ctd\u003EWant to track your spending. It has a debt payoff plan to get you back on track.\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Which is the right budget app for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"280b4abe-1ff6-479d-8ac4-67c69fc92667\" data-edition=\"us\" data-description=\"\u003Cp\u003EChoosing the best budget apps on this list involved a lot of testing and creating many accounts in different apps to compare their features and test their performance. Here are some ways you can narrow down your choices to decide which is best for you:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cstrong\u003EFinancial needs:\u003C\u002Fstrong\u003E Consider not only your individual financial needs but also the goals you want to achieve. Do you want to track daily expenses and build an emergency fund? Or are you trying to cut expenses and pay down debt? Are you planning for a big life event you want to save for, like buying a car or a house? These are all things you should consider, as they will shape how you use your budgeting app.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EEase of use:\u003C\u002Fstrong\u003E It's worth testing out different options to determine which user interface you prefer in a budget app. I've been a committed budgeter for years, yet I don't like using the apps that link my bank account, so I prefer apps like Goodbudget, even if I don't use the envelope method in real life. I also like the data that PocketGuard offers, so I have a visual picture of my spending habits. If you like an app that links to your financial account in real time, then you'd do great with other apps like YNAB or Honeydue.&nbsp;\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EFees:\u003C\u002Fstrong\u003E Budgeting apps often charge a fee for their services, whether it is an upfront fee or an ongoing monthly or annual fee. Be sure to review all fees in advance, so you can be sure that you choose the right service for your needs.&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"How did we choose these budgeting apps?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e338db83-da68-4ce6-9398-b4683b088f84\" data-edition=\"us\" data-description=\"\u003Cp\u003EA budget&nbsp;app is a mobile service that typically allows you to track your spending and increase your savings.&nbsp; You can typically sync your accounts to view a complete financial portrait, all within a single app. Here, you will find our picks for the best budgeting app for your financial needs.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is a budget app?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1a69d0be-f6af-4943-ad92-a9fed6d28064\" data-edition=\"us\" data-description=\"\u003Cp\u003ELike anything else, a budget&nbsp;app only works if you use it regularly. Many apps offer financial tools and resources that can help you reduce your debt and expand your financial worth by providing expense and other reports.\u003C\u002Fp\u003E\" data-hed=\"Do budgeting apps work?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"32024c0e-7557-470f-80fe-cb796334ee11\" data-edition=\"us\" data-description=\"\u003Cp\u003EThere are many finance apps available in the App Store or the Google Play Store. However, not all of them are legit or can successfully help you create a budget. Below, are some other trustworthy budget app options.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Are there alternative budget apps worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8d67aba4-0275-4e5c-acdf-5b975aee8be5\" data-edition=\"us\" data-description=\"\u003Cp\u003EView and pay your bills, manage spending, and plan ahead for tax season with Simplifi.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Simplifi by Quicken\" data-imagegroup=\"{"alt":"Simplifi by Quicken","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"645c2b30-681f-4aaa-a628-ad55875d2a1c","title":"Simplifi by Quicken","filename":"quicken.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F645c2b30-681f-4aaa-a628-ad55875d2a1c\u002Fquicken.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":3437102,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 16:05:36","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 16:05:44","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Simplifi by Quicken","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"645c2b30-681f-4aaa-a628-ad55875d2a1c","imageAltText":"Simplifi by Quicken","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"quicken.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-linktext=\"Best alternative for tax season prep\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"https:\u002F\u002Fgo.shopyourlikes.com\u002Fpi\u002F680a238e877c5357a65ca20d54d1bfa0854d5c43?afId=614548&afCampaignId=subid_value&afCreativeId=2993&afPlacementId=2","offerMerchant":"Quicken","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.quicken.com\u002Fpersonal-finance\u002Fquicken-simplifi","url":"https:\u002F\u002Fgo.shopyourlikes.com\u002Fpi\u002F680a238e877c5357a65ca20d54d1bfa0854d5c43?afId=614548&afCampaignId=subid_value&afCreativeId=2993&afPlacementId=2"}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"7d1958af-eaf5-4624-976d-780578b41450\" data-edition=\"us\" data-description=\"\u003Cp\u003EEverydollar has features like paycheck planning, saving funds, group financial coaching, and more.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Everydollar\" data-imagegroup=\"{"alt":"Everydollar","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"b6d8a980-c131-4b4c-bc1b-3b051202c247","title":"Everydollar","filename":"every.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002Fb6d8a980-c131-4b4c-bc1b-3b051202c247\u002Fevery.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":2474782,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 16:04:41","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 16:04:47","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"Everydollar","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"b6d8a980-c131-4b4c-bc1b-3b051202c247","imageAltText":"Everydollar","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"every.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-linktext=\"Best alternative for those new to budgeting\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Everydollar","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.ramseysolutions.com\u002Framseyplus\u002Feverydollar","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"9e582cbb-ea75-4931-aa8d-7862826d093a\" data-edition=\"us\" data-description=\"\u003Cp\u003EIf you're looking for an&nbsp;app to help your kids learn how to create budgets and manage chores, BusyKid is a great choice.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"BusyKid\" data-imagegroup=\"{"alt":"BusyKid","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"Maria Diaz\u002FZDNET","imageData":{"id":"6040a20a-4424-4d14-a35c-b72465980773","title":"BusyKid","filename":"busykid.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F6040a20a-4424-4d14-a35c-b72465980773\u002Fbusykid.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":3081689,"width":3285,"height":1848,"dateCreated":{"date":"2023-11-10 16:05:11","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2023-11-10 16:05:18","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Maria Diaz\u002FZDNET","alt":"BusyKid","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"6040a20a-4424-4d14-a35c-b72465980773","imageAltText":"BusyKid","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"Maria Diaz\u002FZDNET","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"busykid.jpg","imageDateCreated":"2023\u002F11\u002F10","imageWidth":3285,"imageHeight":1848,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-overridecredit=\"Maria Diaz\u002FZDNET\" data-linktext=\"Best alternative for parents\" data-linkurl=\"Design: Mini Listicle\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Busykid","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fbusykid.com\u002F","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-11-13 19:49:00",timezone:"UTC",updated:c,published:c},description:"Mint may be gone, but there are still many great budget apps that promise to help you set financial goals and save money. We tested that promise to find out which are the best ones.",filterKey:"749c6e8e-7c82-4cba-bb05-97bebbc25289",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"c77e10c2-d0d1-417d-85e7-a107f681417d",image:{id:"3c394298-d95e-44c2-8bc9-d24bef52f01e",filename:"smart-apps-make-for-smarter-financial-planning-stock-photo.jpg",dateCreated:{created:c,date:"2023-11-10 16:09:57",timezone:"UTC",updated:c,published:c},alt:"Shot of a young man using a smartphone while going over his finances at home",credits:"Katleho Seisa via Getty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2023\u002F11\u002F10\u002F3c394298-d95e-44c2-8bc9-d24bef52f01e\u002Fsmart-apps-make-for-smarter-financial-planning-stock-photo.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:8013,height:4508,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Tech^Services & Software",relatedItems:[]},name:b,promoTitle:"The best budgeting apps: Find the Mint alternative that's right for you",section:b,slug:"best-budget-app",startYear:c,summary:b,title:"The best budgeting apps of 2023",topic:{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"0fe9b07a-ec91-11e3-95d2-02911863765e",slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:i,slug:"finance",name:"Finance",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"9d3e6108-0023-11e4-95d2-02911863765e",slug:"innovation",name:"Innovation",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"cffffbb9-4216-4598-889e-16dcbf4da4ba",slug:"investing",name:"Investing",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9a23272b-10d6-11e4-9732-00505685119a",username:"David Gewirtz",profileUrl:c,email:c,firstName:"David",lastName:"Gewirtz",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"de4475ef-be59-4858-beb8-6f7696c85945",filename:"david-gewirtz.jpg",dateCreated:{created:c,date:"2022-08-05 15:19:52",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002Fde4475ef-be59-4858-beb8-6f7696c85945\u002Fdavid-gewirtz.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"In addition to hosting the ZDNET Government and ZDNet DIY-IT blogs, David Gewirtz is an author, U.S. policy advisor, and computer scientist. He is featured in The History Channel special The President's Book of Secrets, is one of America's foremost cyber-security experts, and is a top expert on saving and creating jobs. He is also director of the U.S. Strategic Perspective Institute as well as the founder of ZATZ Publishing.\r\n\r\nDavid is a member of FBI InfraGard, the Cyberwarfare Advisor for the International Association for Counterterrorism & Security Professionals, a columnist for The Journal of Counterterrorism and Homeland Security, and has been a regular CNN contributor, and a guest commentator for the Nieman Watchdog of the Nieman Foundation for Journalism at Harvard University. He is the author of Where Have All the Emails Gone?, the definitive study of email in the White House, as well as How To Save Jobs and The Flexible Enterprise, the classic book that served as a foundation for today's agile business movement.",profile:c,title:"Senior Contributing Editor",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"adbe2cd5-594d-4483-a394-67f52326451c\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Getty Images\" data-image-alt-text=\"Metallic Bitcoin symbol standing on red question mark over black background.\" data-image-filename=\"gettyimages-903904418-metallic-bitcoin-symbol-standing-on-red-question-mark-over-black-background.jpg\" data-image-date-created=\"2022\u002F03\u002F04\" data-image-width=\"1732\" data-image-height=\"1299\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThis was supposed to be an easy article to write. In January of 2022, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fi-bought-bitcoin-from-paypal-heres-what-happened\u002F\" target=\"_blank\"\u003EI spent a few bucks investing in bitcoin\u003C\u002Fa\u003E. My plan back then was to wait a year, and then write an article (this one, in fact) showing how much I gained (or lost) over the course of the year. It was to be stunt writing at its best.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"c20a9d86-5bb9-4729-97f3-299c0b1182e4\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fc20a9d86-5bb9-4729-97f3-299c0b1182e4\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EBut that's not how its turning out. Oh, sure. I lost a huge percentage of my investment. But I can't just throw bitcoin (or even \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fcryptocurrency-101-what-every-business-needs-to-know\u002F\" target=\"_blank\"\u003Ecryptocurrency\u003C\u002Fa\u003E in general) under the bus and claim that crypto is a bad investment. That's because a wide range of investments (especially tech) plummeted in 2022. \u003C\u002Fp\u003E\u003Cp\u003EWe're way beyond the scope of a \"correction,\" where the market adjusts for an unexpected bout of exuberance. But we're not at the legendary (but \u003Ca href=\"https:\u002F\u002Fwww.smithsonianmag.com\u002Fhistory\u002Fthere-never-was-real-tulip-fever-180964915\u002F\"\u003Enot necessarily true\u003C\u002Fa\u003E) tulip craze either, where investors get their comeuppance for believing in some bonkersly stupid investment idea. \u003C\u002Fp\u003E\u003Cp\u003ENo, we're at the beginning of 2023 and much of the market has tanked. This isn't a tulip or crypto or craze sort of story. Instead, it's a story about the vagaries of investment and how you need to be careful where you put your hard-earned money. \u003C\u002Fp\u003E\u003Ch2\u003E My bitcoin journey \u003C\u002Fh2\u003E\u003Cp\u003EOn January 1, 2022, \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fi-bought-bitcoin-from-paypal-heres-what-happened\u002F\"\u003EI bought $50 worth of bitcoin through PayPal\u003C\u002Fa\u003E. That was an interesting process all on its own. It cost me a buck fifteen in fees to make the purchase, so all-in, I spent $51.15 to embark upon this grand experiment. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ESee also:\u003C\u002Fstrong\u003E \u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fi-bought-bitcoin-from-paypal-heres-what-happened\u002F\"\u003EI bought Bitcoin from PayPal. Here's what happened\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fin-just-a-week-my-bitcoin-investment-plummeted-by-almost-14\u002F\"\u003EIn just a week, my Bitcoin 'investment' plummeted by almost 14%\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Flet-me-be-blunt-dont-buy-crypto-unless-youre-fully-prepared-to-lose-your-shirt\u002F\"\u003ELet me be blunt: Don't buy crypto unless you're fully prepared to lose your shirt\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fmy-bitcoin-investment-after-exactly-six-months-how-much-did-i-gain-or-lose\u002F\"\u003EMy Bitcoin 'investment': After exactly six months, how much did I gain or lose?\u003C\u002Fa\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EWithin minutes, I lost 25 cents. After one night, my losses amounted to a whole 32 cents. But, of course, that was just the beginning. \u003C\u002Fp\u003E\u003Cp\u003EI next checked in \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fin-just-a-week-my-bitcoin-investment-plummeted-by-almost-14\u002F\"\u003Eseven days later\u003C\u002Fa\u003E and my investment had dropped again. This time, I was down a total of $7.08, for a 13.84% drop. I \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Flet-me-be-blunt-dont-buy-crypto-unless-youre-fully-prepared-to-lose-your-shirt\u002F\"\u003Echecked again at the end of January\u003C\u002Fa\u003E, and my holdings had dropped again. In three weeks, my losses doubled. I was down $14.38, for a total drop of 28.11%. \u003C\u002Fp\u003E\u003Cp\u003EThen, I waited. I gave it a full six months. Exactly six months into my bitcoin investment, I checked into my vast holdings. As of July 1, my $50 was worth $20.30. My portfolio had lost 60.31% of its value. \u003C\u002Fp\u003E\u003Cp\u003ENow, we're at a full year. I haven't looked at the value of my bitcoin since July. Let's check it together. I'm about to login to PayPal and take a look. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"4c69f9c0-39a1-47f6-b96d-a0e0870795df\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"crypto-on-paypal-2023-01-01-10-18-51\" data-image-filename=\"crypto-on-paypal-2023-01-01-10-18-51.jpg\" data-image-date-created=\"2023\u002F01\u002F02\" data-image-width=\"552\" data-image-height=\"321\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EWell, that's interesting. My bitcoin investment lost 60.31% percent of its value in the first six months of my holding it. But it lost only another 5.63% in the second six months. My bitcoin investment is now worth only a paltry $17.42. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"0a3bcd70-9ae3-46f3-afce-92135cc473e2\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"bitcoin-001\" data-image-filename=\"bitcoin-001.jpg\" data-image-date-created=\"2023\u002F01\u002F02\" data-image-width=\"1920\" data-image-height=\"1080\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EConsidering how volatile it was during the first six months (and especially the first month of 2022), it's been remarkably stable these last six months. \u003C\u002Fp\u003E\u003Ch2\u003E The rest of the story \u003C\u002Fh2\u003E\u003Cp\u003ENow is the time when I expected to mock bitcoin. After all, losing 60.31% of your investment in six months is a terrible loss. I expected to discuss how it would be better to invest in something that wasn't totally fake, yada, yada, yada. \u003C\u002Fp\u003E\u003Cp\u003EBut life isn't that simple. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"ef5a86cb-3856-4b67-830b-9e187ae4c699\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fef5a86cb-3856-4b67-830b-9e187ae4c699\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EOkay, look. I'm about to start discussing stock values and investments, so a massive disclaimer is in order. I am not a stocks or investment expert. I'm not telling you any of this to give you investment advice. I'm just reporting on behavior based on publicly available data. So, before you go betting your money on anything I talk about, think again. \u003C\u002Fp\u003E\u003Cp\u003EFrankly, beyond the fifty bucks I gambled away on bitcoin, I have no other investments. I'm not big on gambling. Since I don't have confidence in my ability to spot a sure thing, I've avoided investing in stocks and crypto altogether. End disclaimer. \u003C\u002Fp\u003E\u003Cp\u003ELet's get back to the whole crypto investment theme. To do that, we need to take a pause and look at the news of the day. \u003C\u002Fp\u003E\u003Cp\u003EWhen the markets closed for the final time in 2022 on Friday, investors were shaken by how much of a beating they'd taken overall. \u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002F2022\u002F12\u002F29\u002Fstock-market-futures-open-to-close-news.html\"\u003ECNBC reported\u003C\u002Fa\u003E, \"Stocks fall to end Wall Street's worst year since 2008.\" \u003C\u002Fp\u003E\u003Cp\u003EIf you look at the major indexes (the Dow, S&P, and NASDAQ), all were down for 2022. These are aggregated indexes of companies across industries and, as such, reflect business performance overall. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"74ea24f2-1056-4503-bf19-432c7fbc8255\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"bitcoin-002\" data-image-filename=\"bitcoin-002.jpg\" data-image-date-created=\"2023\u002F01\u002F02\" data-image-width=\"1920\" data-image-height=\"1080\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EBut these are index stocks, which means their value is representative of the movement of all their members. If some members do great, but most do poorly, then the entire index will trend down. \u003C\u002Fp\u003E\u003Cp\u003EThe biggest tech stocks did particularly badly in 2022. Apple lost 26% of its value, Amazon lost almost half, and Meta (Facebook) dropped almost 65%. IBM, on the other hand, did particularly well. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"0709cd2f-58f4-41eb-ac81-6a9331bafe98\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"bitcoin-003\" data-image-filename=\"bitcoin-003.jpg\" data-image-date-created=\"2023\u002F01\u002F02\" data-image-width=\"1920\" data-image-height=\"1080\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EStocks across other industries had more varied performance. Retailers like Home Depot and Walmart lost value, but health providers and oil companies continued to grow in value. This list is far from comprehensive, but it helps showcase that parts of the economy did rather well, even as investment performance in tech -- particularly the top tier big names -- didn't do as well. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"172373c7-f3c2-4126-a467-ce07cf696f47\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"bitcoin-004\" data-image-filename=\"bitcoin-004.jpg\" data-image-date-created=\"2023\u002F01\u002F02\" data-image-width=\"1920\" data-image-height=\"1080\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003E What does it all mean? \u003C\u002Fh2\u003E\u003Cp\u003ESo, the top-line conclusion is simple. Investing is something of a gamble. You could gain a lot. For example, if you'd invested $1,000 in Exxon Mobile at the beginning of the year, you'd have $1,802 today. \u003C\u002Fp\u003E\u003Cp\u003EBut if you'd invested that same $1,000 in Tesla last January (and yes, we all know \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Ftwitter-quit-elon-quit\u002F\"\u003Ethe whole Twitter\u002FMusk story\u003C\u002Fa\u003E is part of this), you'd have only $349 left. \u003C\u002Fp\u003E\u003Cp\u003EBut you can't blame all of tech stock's loss on Musk. A thousand dollars invested in Facebook a year ago would have been worth only $357 today. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"8ed44272-2c0b-4b6d-8ab3-dc2dd9e460a3\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"David Gewirtz\u002FZDNET\" data-image-alt-text=\"bitcoin-005\" data-image-filename=\"bitcoin-005.jpg\" data-image-date-created=\"2023\u002F01\u002F02\" data-image-width=\"1920\" data-image-height=\"1080\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThis is why investing seems like gambling to me. Last January, I considered my bitcoin investment to be an experiment for the benefit of ZDNET readers. I thought there was a (very) slim chance I might make a few bucks, but I was pretty convinced I'd lose a few instead. \u003C\u002Fp\u003E\u003Cp\u003EBut had you asked me whether my bitcoin investment was more chancy than, say, an investment in Tesla, I would have told you \"sure.\" After all, bitcoin is all magic rainbows and unicorns. It's imaginary currency and nothing is real. On the other hand, Tesla makes fine cars and has factories and technology and such. \u003C\u002Fp\u003E\u003Cp\u003EThe idea that a thousand dollar investment in Tesla stock on January 1, 2022 would have the same value on January 1, 2023 (within pennies) of a thousand dollars invested in Bitcoin would have seemed ludicrous. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Felon-musks-tesla-has-sold-75-of-its-bitcoin-heres-why\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003EElon Musk's Tesla has sold 75% of its Bitcoin: Here's why\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EAs I said, \u003Ca href=\"https:\u002F\u002Fwww.wsj.com\u002Farticles\u002Ftesla-stock-is-headed-for-its-biggest-ever-annual-decline-11672374248\"\u003Eyou can't blame it all on Elon Musk\u003C\u002Fa\u003E, no matter how much he seems like a comic book villain. A thousand bucks invested in Facebook last January is worth just a few bucks more than a thousand dollars invested in bitcoin, and Musk had nothing directly to do with that collapse. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ETiming matters, of course. Back in the day, I actually started my first company using the profits I made from an Apple stock investment. But had I made that investment in Apple in 2022, I wouldn't have had any profits to use to start much of anything. \u003C\u002Fp\u003E\u003Cp\u003EInvestment is about (hopefully) buying low and selling high. It's not about buying according to a calendar entry. So no sane investor would buy on January 1, 2022 and plan on selling on January 1, 2023. Instead, a good investor would expect to hold onto an investment until it's time to sell. That concept became such an issue of controversy among crypto enthusiasts, though, that a misspelling of the word \"hold\" launched a mocking meme for traditional investment strategy, \u003Ca href=\"https:\u002F\u002Fwww.nerdwallet.com\u002Farticle\u002Finvesting\u002Fhodl-a-typo-takes-hold-as-a-sound-cryptocurrency-strategy\"\u003EHODL\u003C\u002Fa\u003E (hold on for dear life), in response. \u003C\u002Fp\u003E\u003Cp\u003ESo, what does it all mean? \u003C\u002Fp\u003E\u003Cp\u003EI started this experiment at the beginning of 2022 expecting to show you that cryptocurrency was a much less reliable investment than more traditional investment vehicles. I'm ending 2022 showing you that it's all a crap shoot. \u003C\u002Fp\u003E\u003Cp\u003EMy experiment was, essentially, a data gathering expedition that didn't come home with reliable results. I can't tell you to avoid crypto. I can't tell you to invest in crypto. I can't tell you to avoid stocks. I can't tell you to invest in stocks. \u003C\u002Fp\u003E\u003Cp\u003EWhat I can tell you is this: if you have no idea, don't risk your money. Unless you know a lot more about stocks and investment and crypto than I apparently do, hang onto your cash or invest it in whatever is considered safe these days. That's probably something like mutual funds, but at this point, I wouldn't feel comfortable making any kind of recommendation. \u003C\u002Fp\u003E\u003Cp\u003EDo your research. Ask around. Listen to your gut. And definitely don't invest more than you can afford to lose. \u003C\u002Fp\u003E\u003Cp\u003EThat said, I have a good overall feeling about 2023. Have a great year, folks! \u003C\u002Fp\u003E\u003Cp\u003EHow are you feeling about cryptocurrency investments after 2022? What are your plans for 2023? Let us know in the comments below. And hey, if you had a great New Year's weekend, let us know about that, too. \u003C\u002Fp\u003E\u003Chr\u003E\u003Cp\u003E\u003Cem\u003EYou can follow my day-to-day project updates on social media. Be sure to follow me on Twitter at \u003Ca href=\"https:\u002F\u002Ftwitter.com\u002Fdavidgewirtz\"\u003E@DavidGewirtz\u003C\u002Fa\u003E, on Facebook at \u003Ca href=\"https:\u002F\u002Fwww.facebook.com\u002Fdavidgewirtz\"\u003EFacebook.com\u002FDavidGewirtz\u003C\u002Fa\u003E, on Instagram at \u003Ca href=\"https:\u002F\u002Fwww.instagram.com\u002FDavidGewirtz\u002F\"\u003EInstagram.com\u002FDavidGewirtz\u003C\u002Fa\u003E, and on YouTube at \u003Ca href=\"https:\u002F\u002Fwww.youtube.com\u002Fuser\u002FDavidGewirtzTV\"\u003EYouTube.com\u002FDavidGewirtzTV\u003C\u002Fa\u003E.\u003C\u002Fem\u003E \u003C\u002Fp\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2023-01-03 17:47:00",timezone:"UTC",updated:c,published:c},description:"Last year on New Year's Day, I made an investment in bitcoin with the goal of holding it for a year and reporting back on the results. To say they were unexpected is an understatement.",filterKey:"749c6e8e-7c82-4cba-bb05-97bebbc25289",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"cbfd446c-9281-4d91-8232-a0471afe38bb",image:{id:"adbe2cd5-594d-4483-a394-67f52326451c",filename:"gettyimages-903904418-metallic-bitcoin-symbol-standing-on-red-question-mark-over-black-background.jpg",dateCreated:{created:c,date:"2022-03-04 19:34:06",timezone:"UTC",updated:c,published:c},alt:"crypto-on-paypal-2023-01-01-10-18-51",credits:"Getty Images",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F03\u002F04\u002Fadbe2cd5-594d-4483-a394-67f52326451c\u002Fgettyimages-903904418-metallic-bitcoin-symbol-standing-on-red-question-mark-over-black-background.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1732,height:1299,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"analysis\u002Fopinion",hubTopicPathString:"Finance^Blockchain^Bitcoin",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"how-much-did-i-lose-on-my-2022-bitcoin-investment-its-complicated",startYear:c,summary:b,title:"How much did I lose on my 2022 bitcoin investment? It's complicated",topic:{id:"0c436018-4922-49f9-a09c-bb581ef9a388",slug:"bitcoin",name:"Bitcoin",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"0c436018-4922-49f9-a09c-bb581ef9a388",slug:"bitcoin",name:"Bitcoin",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"cffffbb9-4216-4598-889e-16dcbf4da4ba",slug:"investing",name:"Investing",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"3edc0faa-226b-4980-9b4a-f614df49135d",username:"tiernan1",profileUrl:c,email:c,firstName:"Tiernan",lastName:"Ray",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"c2f70f95-253a-47e8-969f-8313ff044e89",filename:"tiernan-ray.jpg",dateCreated:{created:c,date:"2022-08-05 17:33:23",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002Fc2f70f95-253a-47e8-969f-8313ff044e89\u002Ftiernan-ray.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Tiernan Ray has been covering technology and business for 28 years. He was most recently technology editor for Barron's where he wrote daily market coverage for the Tech Trader blog and wrote the weekly print column of that name. He has also worked for Bloomberg and SmartMoney, and for the prestigious ComputerLetter newsletter covering venture capital investments in tech. His work has been published in the New York Times, Fortune magazine, and CNN Money. He is a graduate of Princeton University and a native of New York City.",profile:c,title:"Contributing Writer",bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"ef2aa2b5-1fe0-4af5-b720-0b7a10032991\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003EStocks are more than a ticker symbol. If you understand a little bit about the financials behind the symbol, how a company reports its sales and profit, and its assets, you'll be light-years ahead of other investors. The market map above shows some of the most popular publicly traded companies based on market capitalization -- the market value of a company's outstanding shares. The sizes of the rectangles represent the relative market cap of the stock, while the colors represent the direction of the stock's share price: Green is up, yellow is unchanged and red is down.\u003C\u002Fp\u003E\" data-image-credit=\"Tiernan Ray for ZDNet\" data-image-alt-text=\"Stock symbols in rectangles of different sizes and colors \" data-image-filename=\"stocks-graphic-bordered.jpg\" data-image-date-created=\"2022\u002F06\u002F17\" data-image-width=\"1301\" data-image-height=\"1303\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EDespite recent upticks, the stock market is still in the red in 2022. \u003C\u002Fp\u003E\u003Cp\u003EThe first half of the year has been the worst January to June for the Standard & Poor's 500-Stock Index since 1970. The index, which tracks the 500 largest publicly traded US stocks based on market capitalization, plunged into bear market territory, down 20.6%. The tech-heavy Nasdaq Composite Index, comprising the share prices of two thousand US-listed stocks, fared worse during the first half, down nearly 30%. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F635210bb-41ff-11e4-b6a0-d4ae52e95e57\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003ETech stocks bore the brunt of the downturn, due in part to the effects of rising inflation (8.5% in July, down from June's four-decade high of 9.1%) and lower valuation.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Ffinancial-stress-among-american-workers-is-high\u002F\" target=\"_blank\"\u003EFinancial stress among American workers is high\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003EMany investors who have lost money in these market declines are loath to spend any more on stocks. And yet, a market downturn is a good time to consider stocks for three reasons:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EIn a market downturn, investors often get realistic about the true value of stocks. You get more of an \"honest picture\" of how companies perform during down times than when markets are flying high and investors are exuberant. \u003C\u002Fli\u003E\u003Cli\u003EYou can take a step back to see the general state of the stock market while assessing your financial portfolio, evaluating more critically the current state of the market -- and your personal finances -- and determine what you need, and can afford, when you feel it's time to invest again. \u003C\u002Fli\u003E\u003Cli\u003ESome of the best returns on investment happen precisely when stocks have plunged and no one wants to buy. As markets ultimately emerge from downturns, the beaten-down stocks of good companies with solid financial fundamentals have the potential to yield market-beating returns.\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cem\u003EZDNet\u003C\u002Fem\u003E provides insights on specific financial factors from a company's financial statement that investors should consider when investing in quality stocks. \u003C\u002Fp\u003E\u003Cp\u003EBut first, a rundown on the basics.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"392531ac-0542-4fcc-a7a2-fccfb1c6efeb\" data-edition=\"us\" data-description=\"\u003Cp\u003EBefore getting into the how, let's talk about the what. What is investing? On a basic level, investing is buying an asset in the hope that it will appreciate in value over time and, in turn, the price of that asset will increase. Some people confuse investing with&nbsp;\u003Cem\u003Especulation;\u003C\u002Fem\u003E&nbsp;however, the two are different. When you speculate, you bet that the price of your investment will go either up or down, irrespective of the value of the underlying asset. Investing is more than speculation, as it factors an investment's asset's value as well as the price of the investment.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EAs a company improves its business, it gains more in value. Chip giant Nvidia (ticker symbol \u003Ca href="https:\u002F\u002Ffinance.yahoo.com\u002Fquote\u002FNVDA?p=NVDA&amp;.tsrc=fin-srch" target="_blank"\u003ENVDA\u003C\u002Fa\u003E; share price $171.81), for example, has become more proficient at making chips for data centers and artificial intelligence over the past decade, and so its value as a company has appreciated dramatically. Nvidia is worth 58 times today what it was worth a decade ago. That's an annualized increase of 48.8%. It's like seeing your money be worth half again as much, every year, over the past 10 years. (Unless otherwise noted, share prices and related data are as of Aug. 23.)&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EConversely, you may speculate that the cryptocurrency Bitcoin will rise or fall in price today, tomorrow, or next year, but rather than basing that on any underlying asset value in Bitcoin, you're likely just assuming its price will change one way or the other, perhaps based on popularity.\u003C\u002Fp\u003E\" data-hed=\"What is investing?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"903639e9-1cab-4abc-9cfb-410b942dfa36\" data-edition=\"us\" data-description=\"\u003Cp\u003EThink of a share of stock as a fraction of ownership of a company. When you buy stock in a public company, you become a partial owner of that company.\u003C\u002Fp\u003E\u003Cp\u003EOwning stock means you have a stake in how well, or poorly, it performs. One share of Nvidia stock, for example, is a minuscule fraction of the total value of the Silicon Valley-based tech giant. Nvidia has 2.5 billion shares issued (or outstanding). Therefore, buying one share means you own a tiny fraction of the company. Although buying more shares increases your proportionate ownership, you would need to buy 25 million shares of stock to own just 1% of Nvidia. And at $171.81 per share, that would cost you $4.3 billion. But don't worry, you will see the same percent increase or decrease in your money as any other holder, so buying even one or two shares, regardless of the percentage ownership, brings the same benefit.\u003C\u002Fp\u003E\u003Cp\u003EBecause you've become an owner of a company, it's important to keep consistent tabs on the performance of the company to know whether its business is improving or degrading. While there are many free data sources available on the internet to look at a stock's performance, such as&nbsp;\u003Ca href="https:\u002F\u002Ffinance.yahoo.com\u002F"\u003EYahoo Finance\u003C\u002Fa\u003E, you can't fully appreciate what those numbers mean unless you first understand where they come from.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EMost of the numbers that appear on a Yahoo Finance stock page are derived mainly from company financial statements. The majority of stocks listed are publicly traded companies and are required by the&nbsp;\u003Ca href="https:\u002F\u002Fwww.sec.gov\u002F" target="_blank"\u003ESecurities and Exchange Commission\u003C\u002Fa\u003E&nbsp;to report such information on a quarterly, semiannual and annual basis.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is a share of stock?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"eb93161c-7edb-4145-8529-972dfe483fe9\" data-edition=\"us\" data-description=\"\u003Cp\u003EWhen evaluating the performance of a company, you need to understand the three statements that illustrate the business activities and financial performance of a company: the&nbsp;\u003Cstrong\u003Eincome statement\u003C\u002Fstrong\u003E, the&nbsp;\u003Cstrong\u003Estatement of cash flows\u003C\u002Fstrong\u003E, and the&nbsp;\u003Cstrong\u003Ebalance sheet\u003C\u002Fstrong\u003E. Master your knowledge of these three statements, and you will be equipped to understand the nuances of a company's operation, value, and future potential to determine if it's worth investing in.\u003C\u002Fp\u003E\u003Cp\u003EThe point of evaluating performance in this way is to know whether a company is going in the right direction, similar to how you would track fitness goals to measure whether you're exercising productively.\u003C\u002Fp\u003E\" data-hed=\"What are the key financial statements you need to know?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"0452d408-1396-4484-b5a9-7a58128a0786\" data-edition=\"us\" data-description=\"\u003Cp\u003EAlso known as a "P&amp;L" for&nbsp;\u003Cstrong\u003Eprofit\u003C\u002Fstrong\u003E&nbsp;\u003Cstrong\u003Eand\u003C\u002Fstrong\u003E&nbsp;\u003Cstrong\u003Eloss\u003C\u002Fstrong\u003E, the income statement tells you how much revenue a company generates: in other words, how many products and\u002For services it sells, and how much profit it makes from those sales. Generally, profit is an indicator of a company's value, and how it can become more valuable over time.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EInvestors will look for different things in an income statement depending on the industry of the company and how it operates. For example, a fast-growing, young tech company such as cloud software vendor Snowflake (\u003Ca href="https:\u002F\u002Ffinance.yahoo.com\u002Fquote\u002FSNOW?p=SNOW&amp;.tsrc=fin-srch" target="_blank"\u003ESNOW\u003C\u002Fa\u003E; $153.07) has high relative revenue growth compared with an older, more established company such as Oracle (\u003Ca href="https:\u002F\u002Ffinance.yahoo.com\u002Fquote\u002FORCL?p=ORCL&amp;.tsrc=fin-srch" target="_blank"\u003EORCL\u003C\u002Fa\u003E; $76.41), on the order of 98% in the most recent 12-month period ended in April, compared with 5% growth for Oracle in the most recent 12 months.\u003C\u002Fp\u003E\u003Cp\u003EMany investors believe that the best way to tell if a young company is performing as it should -- that is, gaining value -- is for it to have relatively high revenue growth, higher than most S&amp;P 500 companies, which is what Snowflake has\u003Cstrong\u003E. \u003C\u002Fstrong\u003EThe S&amp;P 500 companies have had an average growth rate of 6.7%, annually, over the past five years. However, Snowflake has lost money, so some investors will instead look for companies that may not increase sales as fast but that have high profit, as expressed in their profit margins. Apple (\u003Ca href="https:\u002F\u002Ffinance.yahoo.com\u002Fquote\u002FAAPL?p=AAPL&amp;.tsrc=fin-srch" target="_blank"\u003EAAPL\u003C\u002Fa\u003E; $167.23), for example, is increasing revenue at only 11.5% a year, but Apple makes $6 a share in earnings, according to data from FactSet.\u003C\u002Fp\u003E\u003Cp\u003EOnce you know these numbers you can come up with very basic measures of the value of a stock. Two common measures are to divide the company's sales by the number of shares of stock, to get a figure for sales per share, and then divide that number into the stock price, to get what's known as a&nbsp;\u003Cstrong\u003Eprice-to-sales ratio.\u003C\u002Fstrong\u003E&nbsp;Similarly, the price divided by the earnings per share, known as&nbsp;\u003Cstrong\u003Eprice-to-earnings ratio\u003C\u002Fstrong\u003E, or P\u002FE ratio, tells you how much the company is valued, as measured by its current share price relative to its earnings per share. &nbsp;\u003C\u002Fp\u003E\u003Cp\u003EAs you can see in the accompanying FactSet table, although Snowflake is growing much faster than Apple, its price-to-sales ratio is several times higher, 34 versus 7. Higher means more expensive: You're paying much more for a dollar of sales for Snowflake than for Apple.\u003C\u002Fp\u003E\u003Cp\u003EIn the case of profit, because Snowflake is losing money, you could say it has a&nbsp;\u003Cem\u003Enegative&nbsp;\u003C\u002Fem\u003EP\u002FE, but really, it doesn't have a relevant P\u002FE because you can't have a negative divisor. Usually, Snowflake's P\u002FE would be indicated by "N\u002FA" on a financial summary, as in the accompanying table, for "not applicable." Apple, on the other hand, trades at about 30 times its profit per share. Snowflake doesn't have any profit to support its stock price, while Apple's P\u002FE ratio is richer than most stocks -- the Standard &amp; Poor's 500 index's average P\u002FE is 17.8 -- but probably justified given Apple makes a ton of money in absolute dollar terms.\u003C\u002Fp\u003E\" data-hed=\"The income statement\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"8219d9df-266d-4b19-b765-cc591b3edd20\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003EMost recent 12-month period.\u003C\u002Fp\u003E\" data-image-credit=\"FactSet\" data-image-alt-text=\"Sales and profit examples\" data-image-filename=\"sales-and-profit-examples-august-2022.jpg\" data-image-date-created=\"2022\u002F08\u002F23\" data-image-width=\"1082\" data-image-height=\"1096\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"14cb38d6-9d24-40da-a79b-40f3320d2750\" data-edition=\"us\" data-description=\"\u003Cp\u003ERevenue and P&amp;L aren't the only measures of valuation. The company's cash flow statement gives additional insight in two respects:&nbsp;\u003Cstrong\u003Ereal cash profits\u003C\u002Fstrong\u003E&nbsp;and&nbsp;\u003Cstrong\u003Edividends\u003C\u002Fstrong\u003E.&nbsp;\u003C\u002Fp\u003E\u003Ch3\u003EReal cash profits\u003C\u002Fh3\u003E\u003Cp\u003EWhen people talk about real cash profits, they talk about forgiving a company for such items that reduce its profit that are accounting phenomena but not actual cash expenses. The biggest one is stock options, which is the way that many companies pay their employees, especially young tech companies. Although stock option expenses need to be recorded in the company's income statement, the company hasn't actually paid anything for them; it's just an accounting formality. (For years, people have argued that stock option expense is a&nbsp;\u003Cem\u003Ereal\u003C\u002Fem\u003E&nbsp;expense and should be considered as such, but that debate is beyond the scope of this article.)\u003C\u002Fp\u003E\u003Cp\u003ETake, for example, the software manufacturer and cloud services company Splunk (\u003Ca href="https:\u002F\u002Ffinance.yahoo.com\u002Fquote\u002FSPLK?p=SPLK&amp;.tsrc=fin-srch" target="_blank"\u003ESPLK\u003C\u002Fa\u003E; $108.24). It had negative net income in the most recent 12-month period of $1.17 billion. It would be like Snowflake on a valuation basis, having an unreal \u003Cem\u003Enegative\u003C\u002Fem\u003E P\u002FE ratio.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EHowever, a large amount of that loss was attributed to stock options, to the tune of $605 million. When one removes that amount from the equation, among other items, Splunk has&nbsp;\u003Cem\u003Epositive\u003C\u002Fem\u003E&nbsp;operating cash flow of $201 million. From operating cash flow, investors will next subtract the real cash cost of major purchases, such as equipment or property, known as capital expenditures, to arrive at what's called \u003Cstrong\u003Efree cash flow\u003C\u002Fstrong\u003E&nbsp;-- the ultimate measure of profit for some investors, especially tech investors.\u003C\u002Fp\u003E\u003Cp\u003EAfter subtracting capital expenditures, Splunk turns out to have a real cash profit of $188 million, or $1.16 per share for the 12-month period. Remember that price-to-earnings ratio? Instead of using net income per share in that equation, we can use the $1.16 as the denominator.\u003C\u002Fp\u003E\u003Cp\u003EOn that basis, Splunk appears more reasonable, with a ratio of price divided by free cash flow of 93. That's not particularly cheap, but it is a lot different from the the negative P\u002FE one would get from the income statement.\u003C\u002Fp\u003E\u003Ch3\u003EDividends\u003C\u002Fh3\u003E\u003Cp\u003EAnother important item from the cash flow statement used to value companies is dividends, the cash that some companies pay out to shareholders, usually quarterly, for every share an investor owns. Dividends can be an important factor to consider when companies don't appear as rich on a cash basis.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EFor example, retail giant The Gap (\u003Ca href="https:\u002F\u002Ffinance.yahoo.com\u002Fquote\u002FGPS?p=GPS&amp;.tsrc=fin-srch" target="_blank"\u003EGPS\u003C\u002Fa\u003E; $10.10) isn't nearly as profitable as Splunk based on free cash flow. In fact, in the most recent 12-month period, Gap reported negative free cash flow of $1.90 per share when factoring in capital expenses. That's not so surprising, considering that Gap has to spend on building stores, something that software makers generally don't need to worry about.\u003C\u002Fp\u003E\u003Cp\u003EBut, Gap pays dividends, which Splunk doesn't. Gap paid 12 cents per share every quarter of the most recent 12-month period, or $191 million in total. You actually got paid 48 cents a share over 12 months to just hold onto Gap stock. Multiply that by hundreds or thousands of shares, and you can make real money as a partial owner of Gap. That's why investors like to know how much income a stock offers by knowing its dividend \u003Cstrong\u003Eyield\u003C\u002Fstrong\u003E.\u003C\u002Fp\u003E\u003Cp\u003ETo calculate dividend yield, divide the company's market cap by the amount paid in dividends, that $191 million in Gap's case. You now have a dividend yield of 5%. That's one of the highest dividend yields of all the companies in the S&amp;P 500, the average of which is a yield of just 1.5%.\u003C\u002Fp\u003E\" data-hed=\"The statement of cash flows\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"f305f744-4148-4b01-b9d2-b1619ad732ae\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003EMost recent 12-month period.\u003C\u002Fp\u003E\" data-image-credit=\"FactSet\" data-image-alt-text=\"Cash flow statement examples\" data-image-filename=\"cash-flow-examples-august-2022.jpg\" data-image-date-created=\"2022\u002F08\u002F23\" data-image-width=\"1190\" data-image-height=\"1518\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"485ad167-2c3a-44ff-aee7-bfea295593ed\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe balance sheet tells you how much a company has in assets, such as cash, the investments it holds, and also items such as receivables -- money it's due to receive from customers. It also tells you how much the company has in debt. The "balance" in balance sheet is the comparison of assets to debts.\u003C\u002Fp\u003E\u003Cp\u003EA couple of very important aspects of a business can be gleaned from the balance sheet. The first is the&nbsp;\u003Cstrong\u003Ecurrent ratio\u003C\u002Fstrong\u003E, also known as the&nbsp;\u003Cstrong\u003Eworking capital ratio\u003C\u002Fstrong\u003E. Working capital is the money a company has on hand to cover its obligations. It's an exercise in asking,&nbsp;\u003Cem\u003EIf a company stopped making money today, would it have enough assets to cover what it has to pay out?&nbsp;\u003C\u002Fem\u003EA company with a higher current ratio has a stronger balance sheet, and is better able to cover its obligations.\u003C\u002Fp\u003E\u003Ch3\u003ECurrent ratio\u003C\u002Fh3\u003E\u003Cp\u003EThe current ratio is calculated by dividing&nbsp;\u003Cstrong\u003Ecurrent assets\u003C\u002Fstrong\u003E&nbsp;by&nbsp;\u003Cstrong\u003Ecurrent liabilities\u003C\u002Fstrong\u003E. Among the highest current ratios of all S&amp;P 500 companies is home builder D.R. Horton (\u003Ca href="https:\u002F\u002Ffinance.yahoo.com\u002Fquote\u002FDHI?p=DHI&amp;.tsrc=fin-srch" target="_blank"\u003EDHI\u003C\u002Fa\u003E; $72.86). It has a current ratio of 4.9. That makes sense, given that Horton has a lot of value in current assets locked up in what's known as inventories, items such as construction in progress and land, both developed and undeveloped. Those are assets that help offset its obligation to deliver homes.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EOn the other hand, a company such as discount chain Dollar General (\u003Ca href="https:\u002F\u002Ffinance.yahoo.com\u002Fquote\u002FDG?p=DG&amp;.tsrc=fin-srch" target="_blank"\u003EDG\u003C\u002Fa\u003E; $248.73) has among the lowest current ratios, at about one times current assets to current liabilities. Dollar General has very little cash, with most of its assets being merchandise it holds in its stores. At the same time, it owes a large amount in any given period to the suppliers of its merchandise, and the two things just about cancel each other out. You could conclude that Dollar General operates with much less of a cushion than Horton.\u003C\u002Fp\u003E\u003Ch3\u003EEnterprise value\u003C\u002Fh3\u003E\u003Cp\u003EAnother important finding from the balance sheet is what's known as a company's \u003Cstrong\u003Eenterprise value\u003C\u002Fstrong\u003E. Remember our market capitalization that we mentioned above? That's normally used as the total value of a company if you added up all of its shares. But if a company has a lot of cash, or a lot of debt, you'll need to adjust market capitalization to reflect that.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EA company with lots of cash is less expensive than its share price alone would suggest, because you're getting a share of that big cash pile with every share of stock you buy. Conversely, a company with a lot of debt will be more expensive than share price alone would suggest, because you're taking on the responsibility of that debt with every share you buy.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ETo find enterprise value, take the market cap and subtract the dollar amounts for cash, and&nbsp;\u003Cem\u003Eadd\u003C\u002Fem\u003E&nbsp;the dollar amounts for debt. Take D.R. Horton again as an example. In late July the company had a market capitalization of $25 billion. But because it has more debt than cash -- $4.26 billion versus $1.68 billion -- its enterprise value, at $27.8 billion, is higher than its market cap of $25 billion by more than $2 billion. Horton is more expensive when you calculate enterprise value.\u003C\u002Fp\u003E\u003Cp\u003EDollar General, with considerably more debt than cash, has an even bigger gap between its market capitalization and its enterprise value -- it's way more expensive on the latter basis than you'd think from just checking stock price.\u003C\u002Fp\u003E\u003Cp\u003EEnterprise value adds sophistication to valuation analysis in other ways. Remember our price-to-sales and price-to-earnings from the income statement? An investor who wants to be more sophisticated than average will look beyond those two metrics. They will take enterprise value and use that number instead of market capitalization to divide by sales or by earnings. The ratio is no longer price-to-sales, it's now "\u003Cstrong\u003EEV-to-sales\u003C\u002Fstrong\u003E" or "\u003Cstrong\u003EEV-to-profit\u003C\u002Fstrong\u003E." You can also combine enterprise value with our discussion of free cash flow from the cash flow statement, and arrive at "\u003Cstrong\u003EEV-to-free-cash-flow\u003C\u002Fstrong\u003E," and really be sophisticated.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EFor example, Apple, you'll recall, has a P\u002FE of 30, more expensive compared with its S&amp;P 500 brethren. But, with almost $179 billion in cash and investments, Apple has more money than most entities on the planet. If you want to be really sophisticated, you'll use Apple's enterprise value, which takes into account that cash, and divide it by the company's trailing 12 months of free cash flow. On that basis, Apple has an EV-to-free-cash-flow of 25 -- still pricier than the S&amp;P, but not as much of a premium as it appeared based on straight P\u002FE.\u003C\u002Fp\u003E\u003Cp\u003EIn this way, if someone tells you something looks cheap, you may want to ask what it looks like when EV is used, to reflect whether cash or debt affects the valuation.\u003C\u002Fp\u003E\" data-hed=\"The balance sheet\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"caebc58e-5e00-4b50-a042-411774f35d68\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003EMost recent 12-month period.\u003C\u002Fp\u003E\" data-image-credit=\"FactSet\" data-image-alt-text=\"Balance sheet examples\" data-image-filename=\"balance-sheet-examples-august-2022.jpg\" data-image-date-created=\"2022\u002F08\u002F23\" data-image-width=\"1110\" data-image-height=\"1330\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003EThe bottom line\u003C\u002Fh2\u003E\u003Cp\u003EThe good news is that you don't have to be a Wall Street broker to calculate and understand all of these metrics yourself. You can use free financial sites such as Yahoo Finance to look up ratios such as price-to-earnings, price-to-sales, EV-to-free-cash-flow, and other basics such as market capitalization and the amount of debt. \u003C\u002Fp\u003E\u003Cp\u003EThere are several ways to use the metrics illustrated in this article, and different types of investors will give more consideration to some metrics than to others. All of that constitutes the art of stock picking. But if you can get your head around the basic concepts discussed here, you will have taken sizable strides along the road to investing and you will be much savvier than the average investor. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"6856007a-3c97-4b10-b340-bec0ab8e1480\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"FactSet\" data-image-alt-text=\"Examples of financial statement summaries\" data-image-filename=\"example-financial-statements-summary.jpg\" data-image-date-created=\"2022\u002F08\u002F23\" data-image-width=\"1791\" data-image-height=\"4088\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Cem\u003EThe information presented by ZDNet is not intended to be individual investment advice and is not tailored to your personal financial situation. It does not constitute investment, legal, accounting, or tax advice, nor a recommendation to buy, sell, or hold any particular investment. We encourage you to discuss investment options with your financial adviser prior to making any investments.\u003C\u002Fem\u003E\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"aa46de76-899f-4423-83b7-a891c88392d8\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Faa46de76-899f-4423-83b7-a891c88392d8\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-08-25 19:11:00",timezone:"UTC",updated:c,published:c},description:"A down market is a good time to get up to speed on the fundamentals of investing in stocks.",filterKey:"749c6e8e-7c82-4cba-bb05-97bebbc25289",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"9c6d8fa2-e147-459d-9485-5d0d360290c7",image:{id:"0a8cde42-590d-49b9-a44f-9d0715a25612",filename:"wall-street-nyse-girl-statue.jpg",dateCreated:{created:c,date:"2022-08-25 15:09:17",timezone:"UTC",updated:c,published:c},alt:"wall-street-nyse",credits:"Getty\u002FRobert Nickelsberg",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F25\u002F0a8cde42-590d-49b9-a44f-9d0715a25612\u002Fwall-street-nyse-girl-statue.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2048,height:1365,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"guide",hubTopicPathString:"Finance^Investing",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"how-to-invest-in-stocks",startYear:c,summary:b,title:"How to invest in stocks: What to look for when evaluating companies",topic:{id:"cffffbb9-4216-4598-889e-16dcbf4da4ba",slug:"investing",name:"Investing",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"cffffbb9-4216-4598-889e-16dcbf4da4ba",slug:"investing",name:"Investing",typeName:"content_topic",uuid:b,primary:a,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"ad35bfd1-6bd1-4815-8bd6-f43193d3d32f",username:"me51",profileUrl:c,email:c,firstName:"Greg",lastName:"Nichols",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"d29f72d1-47ad-41d7-8bc0-135ec58db813",filename:"greg-nichols.jpg",dateCreated:{created:c,date:"2022-08-05 15:23:04",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002Fd29f72d1-47ad-41d7-8bc0-135ec58db813\u002Fgreg-nichols.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Greg Nichols covers robotics, AI, and AR\u002FVR for ZDNET. A full-time journalist and author, he writes about tech, travel, crime, and the economy for global media outlets and reports from across the U.S., South America, and Asia. He's a co-founder of Truly*Adventurous, a digital media platform that produces original tales of true adventure, and an award-winning author.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"6a234489-f1c2-447f-a864-596ba2d177ee\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Shutterstock\" data-image-alt-text=\"A supply chain worker surrounded by a visualization of data\" data-image-filename=\"shutterstock-1715071444.jpg\" data-image-date-created=\"2021\u002F09\u002F27\" data-image-width=\"6720\" data-image-height=\"4480\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThe global electronics supply chain is beginning to stabilize, albeit unevenly. The good news is that even though demand is expected to stay strong and issues will persist into 2023, availability is expected to improve. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"aa46de76-899f-4423-83b7-a891c88392d8\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Faa46de76-899f-4423-83b7-a891c88392d8\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EThat's according to an analysis of data from \u003Ca href=\"https:\u002F\u002Fsupplyframe.com\u002F\"\u003ESupplyframe\u003C\u002Fa\u003E, an industry ecosystem catering to businesses that design, source, market, and sell products across the global electronics value chain. Lingering factors heading into 2023 could include extended lead times, geopolitical uncertainty, and elevated logistics and labor costs, though pressures do seem to be easing. \u003C\u002Fp\u003E\u003Cp\u003E\"The electronic component supply chain is improving, but slowly and unevenly,\" Supplyframe CEO and founder Steve Flagg said in a release Aug. 11. \"The multitier electronics supply chain exists within a complicated and volatile environment in which ever-evolving, unforeseen events continue to impact capacity, costs, lead times, and other considerations. Constraints and shortages are not over. And a rebalancing of inventories and component market corrections is in play.\" \u003C\u002Fp\u003E\u003Cp\u003EThe findings, part of \u003Ca href=\"https:\u002F\u002Fviews.paperflite.com\u002Fcollections\u002F62f2cfff71938128ad628693\" target=\"_blank\"\u003ESupplyframe's Q3 Commodity Intelligence Quarterly (CIQ)\u003C\u002Fa\u003E, forecast 52% of all electronic component lead time dimensions to decline or stabilize in the third quarter. The analysis indicates shortening lead times, stabilizing prices, and lower demand for select electronic components. Capacitor and resistor demand shrank by 12% compared with the previous quarter. Global demand was down 11% month-over-month in June versus historical 4% increases, with Asia-Pacific and the EMEA region declining by 11% and 14%, respectively. Overall memory demand dipped 6% from the Q1 to Q2 and is forecasted to decrease again in Q3 by 2%. \u003C\u002Fp\u003E\u003Cp\u003ELower demand in the supply chain is correlated to increasing availability and falling prices, which has follow effects for consumer electronics and durable goods. Still, demand has climbed in other areas, including programmable logic devices, which experienced a 9% increase in demand since the previous quarter. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso:\u003C\u002Fstrong\u003E \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fhackers-tried-to-shatter-the-spine-of-global-supply-chains-in-2021\" target=\"_blank\"\u003E\u003Cstrong\u003EHackers tried to shatter the spine of global supply chains in 2021\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E \u003C\u002Fp\u003E\u003Cp\u003E\"As things become more opportunistic, now is the time for manufacturers to build resiliency,\" Flagg said. \"To do that, manufacturers of devices that rely on electronics components need to use new forms of intelligence to inform the decisions that they make during new product design that could affect their downstream product life cycles.\" \u003C\u002Fp\u003E\u003Cp\u003EFor end consumers, this all points to some light at the end of the tunnel. There are early indications of inflation cooling, with prices remaining \u003Ca href=\"https:\u002F\u002Fwww.nytimes.com\u002Flive\u002F2022\u002F08\u002F10\u002Fbusiness\u002Finflation-cpi-report\" target=\"_blank\"\u003Ebroadly flat in July\u003C\u002Fa\u003E. Combined with falling demand and easing supply chain tensions in a variety of categories, there are early indications of a return to some semblance of market normalcy in 2023. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"27b1c99c-306c-4079-bbdd-e15f4018cf06\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F27b1c99c-306c-4079-bbdd-e15f4018cf06\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-08-12 11:00:00",timezone:"UTC",updated:c,published:c},description:"Demand for electronic components remains strong and the environment is still volatile, but there are positive indications for manufacturers and consumers.",filterKey:"749c6e8e-7c82-4cba-bb05-97bebbc25289",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"95428b05-7e04-4370-8a0f-87e062b440df",image:{id:"6a234489-f1c2-447f-a864-596ba2d177ee",filename:"shutterstock-1715071444.jpg",dateCreated:{created:c,date:"2021-09-27 10:46:44",timezone:"UTC",updated:c,published:c},alt:"shutterstock-1715071444.jpg",credits:"Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F09\u002F27\u002F6a234489-f1c2-447f-a864-596ba2d177ee\u002Fshutterstock-1715071444.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:6720,height:4480,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Business^Digital Transformation",relatedItems:[]},name:b,promoTitle:"Global electronics supply chain shows promise for 2023",section:b,slug:"global-electronics-supply-chain-shows-promise-for-2023",startYear:c,summary:b,title:"Global electronics supply chain shows promise for 2023",topic:{id:"4bbd52b3-12fc-4183-9f2a-1274944fbf8d",slug:"digital-transformation",name:"Digital Transformation",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"4bbd52b3-12fc-4183-9f2a-1274944fbf8d",slug:"digital-transformation",name:"Digital Transformation",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"105f552b-ec91-11e3-95d2-02911863765e",slug:"government-us",name:"Government: US",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"57b89c3b-5b67-4357-bd53-58c9f516a044",slug:"business",name:"Business",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"8d6e1960-a728-41e5-a935-922b0bd953ed",slug:"deals",name:"Deals",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"cffffbb9-4216-4598-889e-16dcbf4da4ba",slug:"investing",name:"Investing",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9c20cf52-798b-46f0-9742-01999d97a167",username:"Lena Borrelli",profileUrl:c,email:c,firstName:"Lena",lastName:"Borrelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"302892f5-e22d-48c6-91a3-5d45643222c9",filename:"lena-borrelli-author.jpg",dateCreated:{created:c,date:"2021-07-06 17:17:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F302892f5-e22d-48c6-91a3-5d45643222c9\u002Flena-borrelli-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as Bankrate, allconnect, Healthline, Reviews.com, HomeInsurance.com, My Slumber Yard and MYMOVE. She is a financial expert who previously worked for Morgan Stanley and now specializes in all forms of insurance. Her work has also recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate, The Simple Dollar and Home Advisor, as well as many other websites and blogs around the world.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EInvesting in stocks can be an incredibly lucrative opportunity, but first, you need the vehicle to do it. There are many stock apps out there, but not all of them may give you the tools and resources you need to make the types of trades you want. That is where we come in.\u003C\u002Fp\u003E\u003Cp\u003EWe've rounding up the best stock apps available in 2022 so you can make trading easy. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c2018f22-0ecf-41fa-8bab-320d2fd25008\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures: \u003C\u002Fstrong\u003ECompatible with your phone, tablet, and Apple Watch | View up to 7 years of tax documents | Integrated charts\u003C\u002Fp\u003E\u003Cp\u003ETD Ameritrade makes it easy to access your account with several tools to help. You can view your account history, as well as any orders, balances, and positions that you have. It comes equipped with invaluable resources like quotes in real-time and integrated charts to help you increase your portfolio. You have complete control with the ability to create watch lists with price alerts that you can customize based on the types of trades that you want to make.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003ETo help you better understand the market, check out the 24\u002F7 news cycle with reports from professional analysts and daily updates to keep you in tune with changing trends. You can also view up to seven years of tax documents and up to ten years of statements.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EPersonal document access\u003C\u002Fli\u003E\u003Cli\u003EAutomated alerts\u003C\u002Fli\u003E\u003Cli\u003ENo account minimums\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EHigh financing rates\u003C\u002Fli\u003E\u003Cli\u003ENo fractional shares\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"TD Ameritrade\" data-superlative=\"Best stock app overall\" data-imagegroup=\"{"alt":"placeholder-product-image-for-best-lists.jpg","caption":"\u003Cp\u003ETD Ameritrade\u003C\u002Fp\u003E","credits":"","imageData":{"id":"e05082e6-86a1-4bf5-be2c-c9d5d0c98ce3","title":"TD Ameritrade app review | best penny stock app.jpg","filename":"td-ameritrade-app-review-best-penny-stock-app-jpg.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F10\u002Fe05082e6-86a1-4bf5-be2c-c9d5d0c98ce3\u002Ftd-ameritrade-app-review-best-penny-stock-app-jpg.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":215677,"width":1296,"height":729,"dateCreated":{"date":"2022-06-10 05:55:48","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-06-10 05:55:52","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"TD Ameritrade app review | best penny stock app.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"e05082e6-86a1-4bf5-be2c-c9d5d0c98ce3","imageAltText":"placeholder-product-image-for-best-lists.jpg","imageCaption":"\u003Cp\u003ETD Ameritrade\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"td-ameritrade-app-review-best-penny-stock-app-jpg.jpg","imageDateCreated":"2022\u002F06\u002F10","imageWidth":1296,"imageHeight":729,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003ETD Ameritrade\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Ftd-ameritrade-mobile\u002Fid534659421","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tdameritrade.mobile3&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"db41312c-45b7-4852-9383-d7add6ce62b1\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures: \u003C\u002Fstrong\u003ECompatible with Apple, Android, and Apple Watch devices, as well as most tablets | Money transfers | Check deposits\u003C\u002Fp\u003E\u003Cp\u003EE*Trade has been a leader in mobile trading for quite some time, offering its award-winning E*TRADE Mobile App. There is only mobile-based trading, but it helps keep costs down, which E*Trade passes on to the customer. There are no commissions for online U.S.-listed stocks, EFTs, and options. That makes it easy to invest in different financial products, like stocks, options, EFTs, and mutual funds.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWhen it comes time to manage your cash, you have the option of money transfers, check deposits, and even Bill Pay to simplify your life further. To improve your investing strategies, there are a ton of resources available, such as news, third-party research, and even Bloomberg TV.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo commissions on U.S. trades\u003C\u002Fli\u003E\u003Cli\u003EWide variety of investments\u003C\u002Fli\u003E\u003Cli\u003EExcellent resources\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EInvesting minimum applies\u003C\u002Fli\u003E\u003Cli\u003ELimited foreign trading\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"E*Trade\" data-superlative=\"Best stock app for mid-tier trading\" data-imagegroup=\"{"alt":"placeholder-product-image-for-best-lists.jpg","caption":"\u003Cp\u003EE*Trade\u003C\u002Fp\u003E","credits":"","imageData":{"id":"95fef10d-da4d-425f-a049-e52583234edb","title":"Etrade app review | best penny stock app","filename":"etrade-app-review-best-penny-stock-app.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F10\u002F95fef10d-da4d-425f-a049-e52583234edb\u002Fetrade-app-review-best-penny-stock-app.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":260966,"width":1296,"height":729,"dateCreated":{"date":"2022-06-10 05:54:10","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-06-10 05:54:13","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Etrade app review | best penny stock app","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"95fef10d-da4d-425f-a049-e52583234edb","imageAltText":"placeholder-product-image-for-best-lists.jpg","imageCaption":"\u003Cp\u003EE*Trade\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"etrade-app-review-best-penny-stock-app.jpg","imageDateCreated":"2022\u002F06\u002F10","imageWidth":1296,"imageHeight":729,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003EE*Trade\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fe-trade-invest-trade-save\u002Fid313259740","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.etrade.mobilepro.activity&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"4dec891d-7dc2-4111-968c-f8d1bb277b6c\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures:&nbsp;\u003C\u002Fstrong\u003EApp Store and Google Play | Trade currencies | Mobile check deposit\u003C\u002Fp\u003E\u003Cp\u003EInteractive Brokers is another app designed to help with trading, allowing you to trade stocks, bonds, options, and futures. You can even trade currencies, making it fit for international use. If you plan on making large transactions, it is a simple matter to provide pre-authorization for $1,000 or more, so you do not slow down your trades.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EWhen you download the IBKR Mobile App, you also receive access to all sorts of resources like cutting-edge research; an option spread grid, and the Order Entry Wheel, plus other tools to help you along. You can also benefit from Mobile Check Deposit, getting your funds into your account that much faster so you can make the trades, you need when you want.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ECompetitive commission rate\u003C\u002Fli\u003E\u003Cli\u003EWide access to investments\u003C\u002Fli\u003E\u003Cli\u003EFantastic resources\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EIt may be confusing to beginner investors\u003C\u002Fli\u003E\u003Cli\u003ENo transaction fees\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Interactive Brokers\" data-superlative=\"Best stock app for international trading\" data-imagegroup=\"{"alt":"placeholder-product-image-for-best-lists.jpg","caption":"\u003Cp\u003EInteractive Brokers\u003C\u002Fp\u003E","credits":"","imageData":{"id":"057c7c1a-8bf4-4c26-8371-7da98282e014","title":"stock-app-1","filename":"stock-app-1.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F08\u002F057c7c1a-8bf4-4c26-8371-7da98282e014\u002Fstock-app-1.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":172503,"width":1296,"height":729,"dateCreated":{"date":"2022-08-08 15:02:38","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-08-08 15:03:16","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Interactive Brokers","alt":"Stock app on a smartphone against a dark blue background","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":["stock app","stocks"],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"057c7c1a-8bf4-4c26-8371-7da98282e014","imageAltText":"placeholder-product-image-for-best-lists.jpg","imageCaption":"\u003Cp\u003EInteractive Brokers\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"stock-app-1.jpg","imageDateCreated":"2022\u002F08\u002F08","imageWidth":1296,"imageHeight":729,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003EInteractive Brokers\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fibkr-mobile-invest-worldwide\u002Fid454558592","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=atws.app&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"97d358b6-1b9c-4e90-8b03-f36235959cc4\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures: \u003C\u002Fstrong\u003EApp Store and Google Play | Commission-free crypto trades | 24\u002F7 customer service\u003C\u002Fp\u003E\u003Cp\u003ERobinhood has long been associated with trading, offering the ability to trade stocks, options, and EFTs with no commission fees. Also, Robinhood's crypto trades are commission-free, making it an excellent selection when looking for the best cryptocurrency apps. You have the ability to choose from a number of leading cryptocurrencies, like Bitcoin (BTC), Ethereum (ETH), and Dogecoin (DOGE). If you are just getting started, Robinhood allows for fractional shares that begin with just a $1 requirement to get the ball rolling. There is also 24\u002F7 customer service with live support in case you hit a snag and need some help.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EUser-friendly app\u003C\u002Fli\u003E\u003Cli\u003ENo account minimums\u003C\u002Fli\u003E\u003Cli\u003ECompatible with cryptocurrency table\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo mutual funds\u003C\u002Fli\u003E\u003Cli\u003ERestricted customer service\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Robinhood\" data-superlative=\"Best stock app for beginners\" data-imagegroup=\"{"alt":"placeholder-product-image-for-best-lists.jpg","caption":"\u003Cp\u003ERobinhood\u003C\u002Fp\u003E","credits":"","imageData":{"id":"cd0d7a68-0fb5-43cb-8d69-1ff5f5eaa5b1","title":"Robinhood app review | best penny stock app","filename":"robinhood-app-review-best-penny-stock-app.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F10\u002Fcd0d7a68-0fb5-43cb-8d69-1ff5f5eaa5b1\u002Frobinhood-app-review-best-penny-stock-app.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":226194,"width":1296,"height":729,"dateCreated":{"date":"2022-06-10 05:55:16","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-06-10 05:55:19","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Robinhood app review | best penny stock app","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"cd0d7a68-0fb5-43cb-8d69-1ff5f5eaa5b1","imageAltText":"placeholder-product-image-for-best-lists.jpg","imageCaption":"\u003Cp\u003ERobinhood\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"robinhood-app-review-best-penny-stock-app.jpg","imageDateCreated":"2022\u002F06\u002F10","imageWidth":1296,"imageHeight":729,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003ERobinhood\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Frobinhood-investing-for-all\u002Fid938003185","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.robinhood.android&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"74dfb47f-872d-4373-b370-bab5d3f66907\" data-edition=\"us\" data-description=\"\u003Cp\u003E\u003Cstrong\u003EFeatures:&nbsp;\u003C\u002Fstrong\u003EiOS and Android devices | No fees or commissions | Customizable charts\u003C\u002Fp\u003E\u003Cp\u003EWebull gives you all the choices for trading with zero commissions. It also skips the contract fees commonly associated with options. If you have a brokerage account or IRA, there are no fees there, either. The absence of fees makes this a fantastic choice for regular investors who trade heavily and favor a fee-less trading model. Fractional shares are a possibility here with a $5 minimum, plus there are commission-free trades for foreign stocks.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003EAlso available from Webull is cryptocurrency, which is available at just a $1 minimum to get started. Trades are available for popular cryptocurrencies like Bitcoin (BTC), Dogecoin (DOGE), and Ethereum (ETH). Before you begin investing and even after, there is help available in the form of real-time data, research, and indicators. It includes the option for customizable charts for a more personalized look at your investments.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EFree trading\u003C\u002Fli\u003E\u003Cli\u003EUser-friendly app\u003C\u002Fli\u003E\u003Cli\u003ECryptocurrency option\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons:\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ELimited products\u003C\u002Fli\u003E\u003Cli\u003EBank transfer required\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Webull\" data-superlative=\"Best stock app for active traders\" data-imagegroup=\"{"alt":"placeholder-product-image-for-best-lists.jpg","caption":"\u003Cp\u003EWebull\u003C\u002Fp\u003E","credits":"","imageData":{"id":"805f8a7e-4f1e-467f-8713-015173ac7471","title":"stock-app-2","filename":"stock-app-2.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F08\u002F805f8a7e-4f1e-467f-8713-015173ac7471\u002Fstock-app-2.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":175110,"width":1296,"height":729,"dateCreated":{"date":"2022-08-08 15:01:42","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-08-08 15:02:13","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":"Webull","alt":"A computer and a smartphone showing stocks against a blue background","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":["stock app","stocks"],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"805f8a7e-4f1e-467f-8713-015173ac7471","imageAltText":"placeholder-product-image-for-best-lists.jpg","imageCaption":"\u003Cp\u003EWebull\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"stock-app-2.jpg","imageDateCreated":"2022\u002F08\u002F08","imageWidth":1296,"imageHeight":729,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003EWebull\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fwebull-investing-trading\u002Fid1179213067","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=org.dayup.stocks&hl=en_US&gl=US","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"c1a419c1-19af-4522-8912-48381505968d\" data-edition=\"us\" data-description=\"\u003Cp\u003EThanks to its full suite of services and resources, TD Ameritrade is our pick for the best stock app. Price alerts and watch lists simplify the process of trading with personal and tax document access to round out an already attractive package.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EStock app\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EiOS rating\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EAndroid\u003C\u002Fstrong\u003E\u003Cstrong\u003E rating\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ETD Ameritrade\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E4.5\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E3.6\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EE*Trade\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E4.6\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E4.1\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EInteractive Brokers\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E3.7\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E2.9\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ERobinhood\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E4.2\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E3.8\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EWebull\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E4.7\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E4.4\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"What is the best stock app?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"cc870d10-dedf-4cdd-b35f-509c47cc3b42\" data-edition=\"us\" data-description=\"\u003Cp\u003EWith so many choices, it can be confusing to decipher which is the right stock app for you. We can help with expert recommendations.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EChoose this stock app...\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EIf you...\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ETD Ameritrade\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWant a well-rounded stock app with extra resources\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EE*Trade\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EAre an experienced trader looking to make mid-tier investments\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EInteractive Brokers\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWant a stock app that doesn't limit your location\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ERobinhood\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EWant a beginner-friendly app to get you started investing\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EWebull\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ETrade regularly\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"Which is the right stock app for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"280b4abe-1ff6-479d-8ac4-67c69fc92667\" data-edition=\"us\" data-description=\"\u003Cp\u003ETo find the best stock apps, we consider a number of factors.&nbsp;\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EType of investments: \u003C\u002Fstrong\u003EWhether you are trading stocks or diving into cryptocurrency, it is important to consider what kinds of investments you can make through each app, so you can do the type of investing you want.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EAccount requirements\u003C\u002Fstrong\u003E: Minimums may apply, limiting your access to some stocks or investments.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003EFees\u003C\u002Fstrong\u003E: Fees can quickly cut into your profit, so we look for stock apps with low or zero commission fees.\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp\u003E\u003Cstrong\u003ESupport\u003C\u002Fstrong\u003E: Some apps like Robinhood offer 24\u002F7 customer service, which can come in handy if you have any difficulties.&nbsp;\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EWe also consider user ratings to ensure that investors are happy with the services that each stock app provides.\u003C\u002Fp\u003E\" data-hed=\"How did we choose these stock apps?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e338db83-da68-4ce6-9398-b4683b088f84\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe best stock apps are generally free to download but may vary in the type and amount of fees that you need to pay for using the service. Look out for commission fees, which can quickly add up.\u003C\u002Fp\u003E\" data-hed=\"How much do investing apps cost?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1a69d0be-f6af-4943-ad92-a9fed6d28064\" data-edition=\"us\" data-description=\"\u003Cp\u003EInvesting apps allow you to use a financial service, such as Interactive Brokers or Webull, to make trades and grow your portfolio while on the go.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"How do investing apps work?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"32024c0e-7557-470f-80fe-cb796334ee11\" data-edition=\"us\" data-description=\"\u003Cp\u003EThese are some alternative apps we considered in our search for the best stock apps.\u003C\u002Fp\u003E\" data-hed=\"Are there alternative stock apps worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"commercepromo\" data-id=\"28441582-23dd-4546-af61-2b8e1e55684d\" data-edition=\"us\" data-hed=\"Betterment: Automated investing\" data-imagegroup=\"{"alt":"","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"a74d6996-9b9d-4cb9-bd44-38260aca7547","filename":"betterment.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F07\u002F13\u002Fa74d6996-9b9d-4cb9-bd44-38260aca7547\u002Fbetterment.jpg","dateCreated":{"date":"2022-07-13 00:53:49","timezone":"UTC","timezone_type":3},"primeColor":null,"hasWarning":false},"uuid":"a74d6996-9b9d-4cb9-bd44-38260aca7547","imageFilename":"betterment.jpg","imageDateCreated":"2022\u002F07\u002F13"}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-offerurl=\"https:\u002F\u002Fwww.betterment.com\u002F\" data-offermerchant=\"Betterment\" data-monetizedurl=\"https:\u002F\u002Fbetterment.evyy.net\u002Fc\u002F159047\u002F96536\u002F2299?&sharedId=zdnet&u=https:\u002F\u002Fwww.betterment.com\u002F&subId1=[subid_value]\" data-techobjectinfo=\"{}\" data-usemonetization=\"true\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"commercepromo\" data-id=\"d62596ba-9187-470b-8587-aa0f2bc73c1e\" data-edition=\"us\" data-hed=\"Charles Schwab: Top-tier investors\" data-imagegroup=\"{"alt":"","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"2a08ad94-c23a-454a-8f3d-46662139e4e7","filename":"charles-schwab-app-review-best-penny-stock-app.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F10\u002F2a08ad94-c23a-454a-8f3d-46662139e4e7\u002Fcharles-schwab-app-review-best-penny-stock-app.jpg","dateCreated":{"date":"2022-06-10 05:53:34","timezone":"UTC","timezone_type":3},"primeColor":null,"hasWarning":false},"uuid":"2a08ad94-c23a-454a-8f3d-46662139e4e7","imageFilename":"charles-schwab-app-review-best-penny-stock-app.jpg","imageDateCreated":"2022\u002F06\u002F10"}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-offerurl=\"https:\u002F\u002Fwww.schwab.com\u002F\" data-offermerchant=\"Charles Schwab\" data-techobjectinfo=\"{}\" data-usemonetization=\"true\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"commercepromo\" data-id=\"acf88d91-0ba5-4057-93b1-59b28dcfcc58\" data-edition=\"us\" data-hed=\"Fidelity: A beginner-friendly option\" data-imagegroup=\"{"alt":"","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"e36c45c9-c175-457a-9f2a-437111cd5431","filename":"fidelity-app-review-best-penny-stock-app.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F10\u002Fe36c45c9-c175-457a-9f2a-437111cd5431\u002Ffidelity-app-review-best-penny-stock-app.jpg","dateCreated":{"date":"2022-06-10 05:54:42","timezone":"UTC","timezone_type":3},"primeColor":null,"hasWarning":false},"uuid":"e36c45c9-c175-457a-9f2a-437111cd5431","imageFilename":"fidelity-app-review-best-penny-stock-app.jpg","imageDateCreated":"2022\u002F06\u002F10"}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-offerurl=\"https:\u002F\u002Fwww.fidelity.com\u002F\" data-offermerchant=\"Fidelity\" data-techobjectinfo=\"{}\" data-usemonetization=\"true\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EFor other expert recommendations, consider our picks for the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-penny-stock-app\u002F\"\u003Ebest penny stock apps\u003C\u002Fa\u003E and the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-investment-app\u002F\"\u003Ebest investment apps\u003C\u002Fa\u003E!\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F12922153-5c9c-495e-a36a-5dbbc9302a9f\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-08-08 15:05:00",timezone:"UTC",updated:c,published:c},description:"What is the best stock app? ZDNet chose TD Ameritrade. We compared factors like pricing, reviews, features, and app ratings to choose the best stock apps, along with some honorable mentions.",filterKey:"749c6e8e-7c82-4cba-bb05-97bebbc25289",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"b8abfdca-7152-4d34-91e1-63e0cf092234",image:{id:"9d51ee7a-f8ac-42b6-a74e-f41323e33e00",filename:"stocks.jpg",dateCreated:{created:c,date:"2021-09-23 13:10:45",timezone:"UTC",updated:c,published:c},alt:"Placeholder product image alt text",credits:"https:\u002F\u002Fdepositphotos.com\u002Fstock-photos\u002Fstock-market.html",caption:"\u003Cp\u003EZDNet's Presents the Best Stock Apps\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F09\u002F23\u002F9d51ee7a-f8ac-42b6-a74e-f41323e33e00\u002Fstocks.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"best-list",hubTopicPathString:"Innovation^Services & Software",relatedItems:[]},name:b,promoTitle:"The 5 best stock apps: Grow your portfolio",section:b,slug:"best-stock-app",startYear:c,summary:b,title:"The 5 best stock apps of 2022",topic:{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"96093490-341e-45e4-b27a-bf297aa2c5bb",slug:"services-software",name:"Services & Software",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"7743b704-6c7c-42d8-b888-5811e7667d05",slug:"blockchain",name:"Blockchain",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"af36937c-c95c-4bf0-9c02-831f70ad9a0c",slug:"best-lists",name:"Best Lists",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"cffffbb9-4216-4598-889e-16dcbf4da4ba",slug:"investing",name:"Investing",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"d62f615a-7c98-4b72-9f60-4fc0b32c5008",username:"ezimmer",profileUrl:c,email:c,firstName:"Evan",lastName:"Zimmer",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"b4d24d6b-a72f-4381-9b2a-b99f7f36348b",filename:"evanzimmer3.jpg",dateCreated:{created:c,date:"2022-01-14 18:53:05",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F01\u002F14\u002Fb4d24d6b-a72f-4381-9b2a-b99f7f36348b\u002Fevanzimmer3.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Evan Zimmer is a journalist based outside of Denver, Colorado. He's been writing about credit cards and other financial products for years, and works to bring you the best, most up-to-date financial information.",profile:c,title:"Staff Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"2718cacb-c7b4-4d8a-81db-5b7390a4873e\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"Getty Images\u002FiStockphoto\" data-image-alt-text=\"Business Team Investment Entrepreneur Trading discussing and analysis graph stock market trading,stock chart concept\" data-image-filename=\"istock-1089940388.jpg\" data-image-date-created=\"2020\u002F10\u002F27\" data-image-width=\"6000\" data-image-height=\"4000\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Ca href=\"https:\u002F\u002Fm1.com\u002F\" target=\"_blank\"\u003EM1 Finance\u003C\u002Fa\u003E, a personal finance platform with more than $5 billion in assets, announced last week that clients would soon be able to allocate funds toward crypto portfolios. Investors will be able to choose the percentage of recurring deposits they want to be allocated and choose from 10 cryptocurrency coins to put funds toward in crypto portfolios designed by investors or by M1 experts, the company said.\u003C\u002Fp\u003E\u003Cp\u003ECrypto investing isn't currently up yet on M1's platform, but M1's investors can sign up on a waitlist to begin crypto trading on its new interactive portfolio dashboard called \u003Ca href=\"https:\u002F\u002Fm1.com\u002Fhow-it-works\u002Finvest\u002F\" target=\"_blank\"\u003EPies\u003C\u002Fa\u003E. M1, however, didn't provide a date when investors will be able to start crypto trading other than to keep an eye out for it in the coming months.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"3fb96e4d-260a-4131-8dcc-29a7bd6e55f2\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F3fb96e4d-260a-4131-8dcc-29a7bd6e55f2\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EAvailable cryptocurrency includes Bitcoin, Ethereum, and, according to \u003Ca href=\"https:\u002F\u002Fm1.com\u002Fblog\u002Fwhy-crypto-on-m1\u002F\" target=\"_blank\"\u003Ethe company's blog post\u003C\u002Fa\u003E, \"other large-cap liquid crypto assets.\"\u003C\u002Fp\u003E\u003Cp\u003EM1 looks to remove some of the barriers to investing by automating certain aspects of investing like fund allocation, risk management, and recurring investments. With M1, it's less about trading and more about long-term investments through portfolio management.\u003C\u002Fp\u003E\u003Cp\u003E\"In our investing vertical, it's automated investing, so it's somewhat like a robo advisor, but you're able to customize your portfolio to your heart's content,\" Brian Barnes, M1 CEO and founder, told \u003Cem\u003EZDNet\u003C\u002Fem\u003E. \"So, you can choose the individual stocks and [exchange-traded funds (ETFs)] that comprise your investment portfolio. It's almost a blend between an online trading brokerage and a robo advisor. We think it combines the best of both worlds into something that's better than either,\" Barnes added.\u003C\u002Fp\u003E\u003Cp\u003EInvestors can choose what percentage of funds they want to allocate to stocks -- and soon-to-be crypto -- and set up recurring deposits on a weekly, biweekly, or monthly basis. The minimum investment amount is $100, but no other fees are associated with the platform. Clients can sell and take money from the platform whenever they like, without incurring any fees.\u003C\u002Fp\u003E\u003Cp\u003EUsers can design their own portfolios when setting up their investments based on their own risk tolerance and investment philosophy and then choose to allocate funds to the portfolios of their choice continually.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"ad85f724-b916-4c11-9a79-cebdcdab84f9\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Fad85f724-b916-4c11-9a79-cebdcdab84f9\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\"This gets into M1's difference versus a robo advisor,\" Barnes said. \"[With robo advisors,] you tell them you have a 7-out-of-10 risk score, and they give you a portfolio based on that. With M1, you design your portfolio with whatever you want, but it's on a percentage basis. So [investors] say, 'I want 10% of my money in this investment and 10% of my money in this investment.'\"\u003C\u002Fp\u003E\u003Cp\u003EBeyond recurring investments, investors can also set up investing rules they'd like their account to follow. For example, if your M1 checking account reaches a certain balance, you can set it so that M1 moves the excess cash into the portfolios of your choice. \u003C\u002Fp\u003E\u003Cp\u003E\"There's a lot of ways to set up automatic rules, to say, 'until I tell you differently M1, just run these rules' and money just goes to work where you want it to,\" Barnes said.\u003C\u002Fp\u003E\u003Cp\u003EM1's investing platform also has a feature called \"dynamic rebalancing\" as a way to automate the buy low, sell high investment strategy, add some protection against volatility, and avoid taxable events.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Fthis-high-yield-savings-account-can-earn-you-up-to-5\u002F\" target=\"_blank\"\u003EThis high-yield savings account can earn you up to 5%\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"Let's say you want half of your money in one investment and half of your money in another,\" Barnes said. \"Investment A and Investment B. If 'B' goes up a lot, it becomes more than 50% of your portfolio, and so as new money comes into the platform, we're going to direct it to 'A' until it matches 50%, and then we're going to split it up 50\u002F50.\"\u003C\u002Fp\u003E\u003Cp\u003EInvestors choose a target allocation of how much they want to invest and in which portfolios and dynamic rebalancing always makes sure that target is hit.\u003C\u002Fp\u003E\u003Cp\u003E\"With dynamic rebalancing, we are doing as much as we possibly can without having to sell securities to push you toward that allocation,\" Barnes said. \"You're staying very tight on that allocation without having to have taxable events. So the process is put more money into underweight securities, it minimizes the need to have taxable events, it maintains the risk weighting of what you want, it maintains diversification, and it automates buy low, sell high.\"\u003C\u002Fp\u003E\u003Cp\u003EIn addition to its automated portfolio investing platform, M1 features a checking account, a borrowing product, and a credit card and a debit card.\u003C\u002Fp\u003E\u003Cp\u003EM1's checking account features an annual percentage yield (APY) of 1.70%, which -- \u003Ca href=\"https:\u002F\u002Fwww.fdic.gov\u002Fresources\u002Fbankers\u002Fnational-rates\u002Findex.html\" target=\"_blank\"\u003Eaccording to the FDIC\u003C\u002Fa\u003E -- is well above the national average of 0.10%. The debit card links to the account and earns 1% cash back on purchases.\u003C\u002Fp\u003E\u003Cp\u003EM1's \u003Ca href=\"https:\u002F\u002Fm1.com\u002Fspend\u002Fowners-rewards-card\u002F\" target=\"_blank\"\u003EOwner's Rewards Card\u003C\u002Fa\u003E has the unique reward structure of offering higher cashback rates when making purchases with retailers that the cardholder owns stock in. Cardholders can earn up to 10% cash back with eligible merchants. According to Barnes, M1 has about 70 brands across industries such as retail, airlines, online shops, and gas stations.\u003C\u002Fp\u003E\u003Cp\u003EAt a time when \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Finflation-rate-rises-above-9-in-june-driven-by-high-energy-and-food-prices\u002F\" target=\"_blank\"\u003Einflation was measured at 9.1% in June\u003C\u002Fa\u003E, having passive income from automated investing, a high-yield checking account, and a credit card that could earn 10% for gas purchases would go a long way for customers struggling with the rising cost of goods.\u003C\u002Fp\u003E\u003Cp\u003E\"I think we have a different mindset [compared to traditional banks] where we try to push as much as we feasibly can back to the customer,\" Barnes said. \"We definitely don't have a silver bullet [for inflation], but earning more on cash and making it easier to invest are the two easiest ways to protect against a higher cost of living.\"\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"aa46de76-899f-4423-83b7-a891c88392d8\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-07-27 12:38:59",timezone:"UTC",updated:c,published:c},description:"Investors looking to automate their investments can soon take advantage of cryptocurrency portfolios on the platform.",filterKey:"749c6e8e-7c82-4cba-bb05-97bebbc25289",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"4fb73929-9968-4119-957c-10875e150967",image:{id:"15d9eefe-7536-4ce4-aa0d-b6896e704b0f",filename:"investment.jpg",dateCreated:{created:c,date:"2021-10-26 12:28:41",timezone:"UTC",updated:c,published:c},alt:"investment.jpg",credits:"By Vintage Tone -- Shutterstock",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F10\u002F26\u002F15d9eefe-7536-4ce4-aa0d-b6896e704b0f\u002Finvestment.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1600,height:1069,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Finance^Investing",relatedItems:[]},name:b,promoTitle:"M1, a personal finance management company, will soon offer crypto portfolios to its investors",section:b,slug:"m1-a-personal-finance-management-company-will-soon-offer-crypto-portfolios-to-its-investors",startYear:c,summary:b,title:"M1, a personal finance management company, will soon offer crypto portfolios to its investors",topic:{id:"cffffbb9-4216-4598-889e-16dcbf4da4ba",slug:"investing",name:"Investing",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"cffffbb9-4216-4598-889e-16dcbf4da4ba",slug:"investing",name:"Investing",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"7743b704-6c7c-42d8-b888-5811e7667d05",slug:"blockchain",name:"Blockchain",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"6d17551a-4abb-41b3-ba50-b9e6958598cf",username:"zdnetacademy",profileUrl:c,email:c,firstName:b,lastName:"StackCommerce",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:c,socialProfileIds:c,authorBio:"StackCommerce offers deals on training, certifications, and a variety of products and services.",profile:c,title:"Partner",bio:b,bureau:c,awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"7384d2b7-ae61-488a-abbe-16103ee08b7c\" data-size=\"original\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"StackCommerce\" data-image-alt-text=\"replace-this-image.jpg\" data-image-filename=\"zd-stock-market-trading.jpg\" data-image-date-created=\"2022\u002F07\u002F21\" data-image-width=\"1200\" data-image-height=\"800\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003E\u003Cem\u003EThe following content is brought to you by ZDNet partners. If you buy a product featured here, we may earn an affiliate commission or other compensation.\u003C\u002Fem\u003E\u003C\u002Fp\u003E\u003Cp\u003EThe market is stressed right now, and much of that stress is trickling down. With the Fed raising rates and declining stock prices, it can be all too easy for casual investors to \"turtle up\" or pull out of the market altogether.\u003C\u002Fp\u003E\u003Cp\u003EBut while it may not be the time to make any risky moves, it's helpful to understand that similar downturns have happened before. It may not be possible to predict exactly \u003Cem\u003Ewhen\u003C\u002Fem\u003E things will bounce back, but you can bet on the fact that they will. With history-informed planning and the right resources, day traders can keep their portfolio afloat in any bear market, which is essentially when stock indices experience a 20% drop from their highs. Diligent traders may even ride some waves into a little extra income. Here's how.\u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003E1. Spread out the risk\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EIn a bear market, the growth stocks take the biggest hit. This isn't a rare insight, but it's an important one to understand. While those bigger, sexier investments may well bounce back with the rest of the economy, the hit you take in the meantime may blunt a lot of the gains. As a result, you may be better off spreading out your portfolio so that more of your money is in lower-risk areas like T-bills or fixed annuities. Over the long run, these old reliables may not climb as quickly, but they'll keep you stable.\u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003E2. Think long-term\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EYes, even in day trading. This is a general rule that applies even in the most bullish of markets, but it's especially applicable right now. First, think of where you want your stocks to be 10 years from now. Then, realize that you're not going to get there with any moves you might make this month or even this year. You can also apply this thinking to your finances at large. SoFi's top financial planners have \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fbanking\u002Ffinancial-stress-among-american-workers-is-high\u002F\" target=\"_blank\"\u003Ea lot of great tips\u003C\u002Fa\u003E for riding out this downturn, such as not making big purchases (like expensive electric cars) that might save you only a few dollars in the current market.\u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003E3. Hit the books\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EOne of the most important things to invest in right now might be your own education, especially if you haven't been in the market during a downturn before. Individual stock tips are great, but financial classes can give you the fundamentals you need to build an overall strategy. Online courses can be a great option, but make sure you pick the right sources. One Education offers a \u003Cspan data-shortcode=\"commercelinkshortcode\" data-id=\"cf606cfb-4f14-4451-913e-f261ce049632\" data-raw-url=\"https:\u002F\u002Fstacksocial.com\u002Fsales\u002Fthe-stock-market-and-trading-beginner-s-bundle\" data-link-shortcode-text=\"Stock Market & Trading Beginner's Bundle\" data-use-monetization=\"true\" data-edition=\"us\"\u003E\u003C\u002Fspan\u003E geared toward journeyman investors and taught by a diverse panel of financial experts and entrepreneurs. The 12 courses cover everything from basic risk management to specific tools like candlestick patterns, and you can learn on your own time.\u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003E4. Use the news\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EAs a day trader, you're already insulated from many of the worst effects of the bear market. You buy and sell generally within the same 24 hours, so losses on individual stocks aren't likely to be catastrophic. If you're using some form of auto-trading or \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Finvesting\u002Flinqto-seeks-to-make-investing-in-private-tech-companies-easier-and-more-accessible\u002F\" target=\"_blank\"\u003Ebrokerage platform\u003C\u002Fa\u003E (and you should), you can protect yourself further by setting stop-loss alerts to sell when relevant news is set to come through, such as Fed rate changes.\u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003E5. Short sell\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EShort selling isn't for everyone, and it requires that you keep your ear to the ground a regarding trends. But most investors agree that this strategy works the best in a bear market, and some experts say it's \u003Ca href=\"https:\u002F\u002Fcabotwealth.com\u002Fdaily\u002Fstock-market\u002Fshort-selling-stocks\u002F\" target=\"_blank\"\u003Ethe \u003Cem\u003Eonly\u003C\u002Fem\u003E time you should short sell\u003C\u002Fa\u003E. Focus on those growth stocks that stand to lose a lot of market share and ride them down, but keep a firm hand on the brakes if the market begins to recover.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"commercepromo\" data-id=\"cf6849e0-138a-460a-9166-291e7d81b64f\" data-edition=\"us\" data-hed=\"The Stock Market & Trading Beginner's Bundle\" data-imagegroup=\"{"alt":"","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"7f43d19b-373e-4008-bff3-7e3c7de6d8b7","filename":"zd-stock-market-trading.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F07\u002F21\u002F7f43d19b-373e-4008-bff3-7e3c7de6d8b7\u002Fzd-stock-market-trading.jpg","dateCreated":{"date":"2022-07-21 13:28:05","timezone":"UTC","timezone_type":3},"primeColor":null,"hasWarning":false},"uuid":"7f43d19b-373e-4008-bff3-7e3c7de6d8b7","imageFilename":"zd-stock-market-trading.jpg","imageDateCreated":"2022\u002F07\u002F21"}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-offerurl=\"https:\u002F\u002Fstacksocial.com\u002Fsales\u002Fthe-stock-market-and-trading-beginner-s-bundle\" data-offerprice=\"348\" data-offermerchant=\"StackSocial\" data-monetizedurl=\"https:\u002F\u002Facademy.zdnet.com\u002Fsales\u002Fthe-stock-market-and-trading-beginner-s-bundle?utm_source=zdnet.com&utm_medium=referral&utm_campaign=the-stock-market-and-trading-beginner-s-bundle&utm_term=scsf-550895&utm_content=a0x1P000004VzpIQAS&scsonar=1?sid=[subid_value]\" data-usemonetization=\"true\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003E\u003Cstrong\u003E6. Mind the cap\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003ESteering clear of companies with a small market capitalization is a specific way to minimize your risk. While up-and-coming businesses can climb quicker in boom times, they stand to lose a lot more when the market is down. More importantly they can \u003Cem\u003Equickly\u003C\u002Fem\u003E lose more, making them a red flag for day traders.\u003C\u002Fp\u003E\u003Ch2\u003E\u003Cstrong\u003E7. Ride the rallies\u003C\u002Fstrong\u003E\u003C\u002Fh2\u003E\u003Cp\u003EEven in the most bearish of markets, rallies can and do happen. These are the bread and butter of savvy day traders. The most important thing to remember is that most rallies aren't won't be a total climb out of the bear market at large, especially early on. The key is to watch the trend lines. With each rally, you'll want to jump on as things start to climb but get out earlier than the peak of the previous rally. As long as the market at large stays in bear territory, the highs (and the lows) will get a little lower each time until a proper recovery starts to take hold.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cem\u003EPrices subject to change.\u003C\u002Fem\u003E\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"63ddcaa6-6835-4285-a219-690ee1a8a5a9\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F63ddcaa6-6835-4285-a219-690ee1a8a5a9\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-07-22 13:20:00",timezone:"UTC",updated:c,published:c},description:"When the market is in a downturn, all you need is a shift in strategy and the right resources",filterKey:"749c6e8e-7c82-4cba-bb05-97bebbc25289",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"8b70d3e5-7119-4ef4-ac8b-7b4eb357e9c8",image:{id:"7384d2b7-ae61-488a-abbe-16103ee08b7c",filename:"zd-stock-market-trading.jpg",dateCreated:{created:c,date:"2022-07-21 13:25:47",timezone:"UTC",updated:c,published:c},alt:"replace-this-image.jpg",credits:"StackCommerce",caption:"\u003Cp\u003E\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F07\u002F21\u002F7384d2b7-ae61-488a-abbe-16103ee08b7c\u002Fzd-stock-market-trading.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:1200,height:800,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"stack-commerce",hubTopicPathString:"Deals",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"7-ways-to-find-success-day-trading-even-in-a-bear-market",startYear:c,summary:b,title:"7 ways to find success day trading -- even in a bear market",topic:{id:"8d6e1960-a728-41e5-a935-922b0bd953ed",slug:"deals",name:"Deals",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"8d6e1960-a728-41e5-a935-922b0bd953ed",slug:"deals",name:"Deals",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"cffffbb9-4216-4598-889e-16dcbf4da4ba",slug:"investing",name:"Investing",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"f1f7db06-c6f9-4e80-8187-60ad48f035a1",slug:"zdnet-recommends",name:"ZDNET Recommends",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"b9d55db1-c979-42b8-b467-3b3a67ca331f",username:"Marc Wojno",profileUrl:c,email:c,firstName:"Marc",lastName:"Wojno",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"e932bec6-637b-457c-88c8-63587c47a71d",filename:"marc-wojno.jpg",dateCreated:{created:c,date:"2022-08-05 14:24:58",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F08\u002F05\u002Fe932bec6-637b-457c-88c8-63587c47a71d\u002Fmarc-wojno.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Marc Wojno has been a writer and editor in the financial field for more than two decades, including for such media organizations as Kiplinger Washington Editors and Dow Jones Newswires. Most recently, Wojno contributed as a writer for US News & World Report and as a contributing editor for Bankrate, a Red Ventures company. Wojno has been featured as a personal finance expert in numerous local print, radio and television outlets throughout the country, including in such major markets as New York City, Chicago, San Francisco and Washington, D.C. He received both his BA in radio and television communication and computer science, and his MBA in international business and information systems, from The George Washington University.",profile:c,title:"Senior Editor",bio:b,bureau:"AU",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EAmericans are stressed. \u003C\u002Fp\u003E\u003Cp\u003EAlong with the coronavirus pandemic, the tug-of-war from social and political issues, the canceled flights, and the high gas prices, there's yet another more frustrating and frightening factor causing anxiety for millions of Americans right down to their pocketbooks: The economy.\u003C\u002Fp\u003E\u003Cp\u003EThe first half of 2022 has been a torturous and tumultuous period for the US stock market, the worst since 1970. Through June 30:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EThe \u003Cstrong\u003EStandard & Poor's 500-stock index\u003C\u002Fstrong\u003E -- tracking the 500 largest publicly-traded US stocks based on market capitalization -- plunged into bear market territory, \u003Cstrong\u003Edown 20.6%\u003C\u002Fstrong\u003E.\u003C\u002Fli\u003E\u003Cli\u003EThe \u003Cstrong\u003ENasdaq Composite\u003C\u002Fstrong\u003E, the US tech-stock index, \u003Cstrong\u003Etook a dismal spill of\u003C\u002Fstrong\u003E \u003Cstrong\u003E29.5%\u003C\u002Fstrong\u003E. \u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EInflation rose\u003C\u002Fstrong\u003E -- high as it already was in January -- \u003Cstrong\u003Efrom 7.5% to 8.6%\u003C\u002Fstrong\u003E.\u003C\u002Fli\u003E\u003Cli\u003E\u003Cstrong\u003EInterest rates increased 125 basis points (bp)\u003C\u002Fstrong\u003E, or 1.25% after the Federal Reserve implemented two interest rate hikes in the past two months.\u003C\u002Fli\u003E\u003Cli\u003EThe price of \u003Cstrong\u003EBitcoin\u003C\u002Fstrong\u003E, once seen as America's new hedge against inflation, lost more than half of its value -- \u003Cstrong\u003Eplummeting by a nasty 57.3%\u003C\u002Fstrong\u003E (and shattering the hopes and dreams of countless eager investors afflicted with FOMO syndrome).\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EAmericans are stressed. \u003C\u002Fp\u003E\u003Cp\u003EThat stress is reflected among American workers who, last year, were eager to regain control over their lives and their finances in the ebb of the pandemic, but this year find themselves overwhelmed by higher prices at the grocery store and lower borrowing power with higher interest rates. Raises and bonuses, if any, are feared by many workers as not enough to rise above inflation and provide the means to a comfortable living.\u003C\u002Fp\u003E\u003Ch2\u003ESurvey says...\u003C\u002Fh2\u003E\u003Cp\u003EIn a survey recently released by San Francisco-based fintech \u003Ca href=\"https:\u002F\u002Fwww.sofi.com\u002F\"\u003ESoFi\u003C\u002Fa\u003E, 75% percent of US employees surveyed said they're stressed about their finances. Nearly half (40%) said they worry about inadequate retirement savings, one-third feel the weight of credit card debt and more than one-quarter (29%) said they're stressed about not having enough money to pay for their mortgages, rents, or food. (The survey, conducted by SoFi and Workplace Intelligence surveyed 800 human resource leaders and 800 full-time employees between ages 18 and 74 from December 20 and 29, 2021.) \u003C\u002Fp\u003E\u003Cp\u003EAs for debt, two-thirds of employees in the survey said they grapple with some form of it, be it credit card, mortgage, personal loan, or student loan (either for themselves or for someone else). And this stress over debt is felt among various income groups, including the rich. In fact, more than half (57%) of those surveyed who are high-income earners making more than $150,000 a year said they have at least one form of major financial stress. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"74135b60-a574-4673-8e20-1e0a60bc13d8\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"SOURCE: "The Future of Workplace Financial Well-Being: 2022 Employer & Employee Perspectives", SoFi at Work.\" data-image-alt-text=\"sofi-pic1.png\" data-image-filename=\"sofi-pic1.png\" data-image-date-created=\"2022\u002F07\u002F05\" data-image-width=\"624\" data-image-height=\"262\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EFor Brian Walsh, Senior Manager of Financial Planning at SoFi at Work, and a Certified Financial Planner (CFP), there are two key areas at the root of the financial stress of Americans. \"Number one relates to getting by with their day-to-day finances, because the biggest connection between personal finances and financial stress and well-being is not only the ability to pay their month-to-month expenses, but having a cash cushion to cover the unexpected. And from what we've seen generally that tends to be depleted,\" Walsh said in an exclusive interview with \u003Cem\u003EZDNet\u003C\u002Fem\u003E.\u003C\u002Fp\u003E\u003Cp\u003E\"The second key area is related to uncertainty and volatility in the market and it's really hard to disconnect the two even though a majority of people we work with are investing for the long term where it's easy to say 'hey, we care about the balance decades from now – not days from now.'\" That's easier said than done. Even experienced investors who know they're in it for the long haul aren't immune from the stress of seeing their balances diminish during a time of economic uncertainty. \"Those are the two biggest areas that we're seeing right now,\" he adds.\u003C\u002Fp\u003E\u003Cp\u003EThe stress that employees experience from poor financial well-being ultimately affects their employers. Financial stress, the survey revealed, has impacted employees in various ways: 38% say it has worsened their sleep, while 36% say it has affected their mental health, and 27% on their physical health. What's more, a quarter of employees surveyed said financial stress has crippled their motivation to pursue personal goals, while 22% said their relationships have been affected by it. In the workplace, be it in the office or at home, nearly one in five employees (23%) said they've had trouble focusing and 18% have had issues with their productivity.\u003C\u002Fp\u003E\u003Cp\u003EUltimately, this fear costs employers in lost time. Employees spend nine hours per week dealing with their personal financial issues; that's one full day of work per week or 60 workdays (12 weeks) per year. To combat lost time, and money, the survey suggests that employers need to step up to better support their employees with resources to help them take charge of their financial well-being. \u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ENOTE:\u003C\u002Fstrong\u003E Although SoFi's survey was conducted in late December 2021, well before the latest rise in inflation and decline of financial markets, SoFi maintains that its survey findings remain relevant and applicable well into this year.\u003C\u002Fp\u003E\u003Ch2\u003EPulling up the financial bootstraps\u003C\u002Fh2\u003E\u003Cp\u003EDespite the deepening economic challenges, employees surveyed are motivated to take charge of their finances. The SoFi survey found that 91% of the 800 workers surveyed said they have financial goals they want to achieve, the top ones including paying off credit card debt (39%), saving for retirement (38%), building an emergency fund (27%), saving for a personal expense (27%), saving for their children's education (19%), and investing in stocks, bonds, or mutual funds (19%).\u003C\u002Fp\u003E\u003Cp\u003EAnd given this drive, the time is now for employers to enhance their benefits. The survey posed questions to the 800 HR leaders surveyed about what current financial benefits they offer to their employees, such as contribution benefits, financial resources, and education tools. More than three-quarters (77%) said they offer such resources. The survey revealed that of the top five benefits, 70% of companies surveyed say they offer retirement matching\u002F401(k), 69% offer financial planning tools, 63% offer access to a financial planner\u002Fadvisor, 61% offer financial education, seminars, or courses, and 58% offer budget planning tools.\u003C\u002Fp\u003E\u003Cp\u003EEmployees, motivated to take charge, seek many of the benefits employers say they offer. Of the employees surveyed, 64% want employers to provide benefits to help them build an emergency savings fund as well as retirement matching, while 62% want financial planning tools and 61% want budget planning tools. What's more, 60% want homeownership assistance. \u003C\u002Fp\u003E\u003Cp\u003EBut why is there a disconnect between what employers say they offer versus employees who feel they don't have such benefits? The SoFi survey revealed that an average of 38% of employees aren't using their benefits mainly because of two factors: quality of benefits and awareness. Twenty-three percent of workers said their financial benefits are \"poor\" while 21% say they don't know how to get started using them. What's more, 19% say they didn't know such benefits existed. Communication is an issue between employers and employees. Half of the employees, and nearly one-third of HR leaders, surveyed say their company rarely, or never, communicates with workers about their financial benefits and well-being.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"40c64f65-54e3-4873-a4e6-855f1a1a45e9\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"SOURCE: "The Future of Workplace Financial Well-Being: 2022 Employer & Employee Perspectives", SoFi at Work.\" data-image-alt-text=\"sofi-pic2.png\" data-image-filename=\"sofi-pic2.png\" data-image-date-created=\"2022\u002F07\u002F05\" data-image-width=\"624\" data-image-height=\"399\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EEmployees surveyed say they want their companies to invest in new, and better, benefits to help them improve their personal finances and at least eight out of 10 employees believe that financial well-being benefits will have a positive impact on some of the most important aspects of their jobs and well-being, including their productivity (86%), job satisfaction and engagement (84%), mental health and stress levels (84%), desire to stay with their employer (86%), ability to focus (84%), and their physical health (80%).\u003C\u002Fp\u003E\u003Cp\u003EFortunately, there are indications of improvement. Company budgets, for example, are growing, and over the next year or two, 94% of HR leaders surveyed said they will have a budget for employee financial well-being benefits and three-fourths said their budgets will increase.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"image\" data-uuid=\"3c4e15dc-1057-4a4c-9116-93a15cfd41e7\" data-size=\"medium\" data-float=\"none\" data-image-caption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-image-credit=\"SOURCE: "The Future of Workplace Financial Well-Being: 2022 Employer & Employee Perspectives", SoFi at Work.\" data-image-alt-text=\"sofi-pic3.png\" data-image-filename=\"sofi-pic3.png\" data-image-date-created=\"2022\u002F07\u002F05\" data-image-width=\"323\" data-image-height=\"279\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Ch2\u003EWhat SoFi is doing\u003C\u002Fh2\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"7106dfb1-e648-4725-9adb-1985318e3be0\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002F7106dfb1-e648-4725-9adb-1985318e3be0\" data-float=\"right\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EDespite the drive among full-time American employees to pull themselves up by their financial bootstraps, there are steep obstacles ahead in the form of rising inflation, higher interest rates, and fears of a looming recession. To complicate matters for those working in the tech sector, the threat of layoffs compounds anxiety. Although that's unfortunate, Walsh notes that the unemployment rate is at, or near, record lows, currently 3.6% as of May. \u003C\u002Fp\u003E\u003Cp\u003EWalsh and his team are seeing more strain from SoFi members concerning expenses related to housing, transportation, and childcare. \"Housing especially is getting worse with the recent spike in interest rates where we're now talking to people who have wanted to move but now have golden handcuffs because their 30-year mortgage is less than 3% but there's no way in the world they're taking out a 6.25% mortgage. Even people who did new construction projects, where they applied for a loan and signed a contract; since then, interest rates have doubled and now they can't afford the house,\" Walsh notes.\u003C\u002Fp\u003E\u003Cp\u003ESoFi has provided one small silver lining to the cloud of rising interest rates. Last week, it \u003Ca href=\"https:\u002F\u002Fwww.sofi.com\u002Fblog\u002Fapy-hike-june-2022-for-checking-and-savings\u002F\" target=\"_blank\"\u003Eannounced\u003C\u002Fa\u003E that the APY for its \u003Ca href=\"https:\u002F\u002Fwww.sofi.com\u002Fbanking\u002F\"\u003ESoFi Checking and Savings\u003C\u002Fa\u003E account was raised to 1.50% for members who have a direct deposit account. That's the highest rate available; the national average for savings accounts is 0.1%, according to \u003Ca href=\"https:\u002F\u002Fwww.bankrate.com\u002Fbanking\u002Fsavings\u002Faverage-savings-interest-rates\u002F\"\u003EBankrate\u003C\u002Fa\u003E. (For SoFi members without direct deposit, all balances will earn 0.90%.) The rate increase to 1.50% is in reaction to the Federal Reserve's \u003Ca href=\"https:\u002F\u002Fwww.cnbc.com\u002F2022\u002F06\u002F15\u002Ffed-hikes-its-benchmark-interest-rate-by-three-quarters-of-a-point-the-biggest-increase-since-1994.html\"\u003Esecond interest rate hike\u003C\u002Fa\u003E of 75 bp (or 0.75%) in mid-June, the highest rate hike since 1994.\u003C\u002Fp\u003E\u003Ch2\u003EWays to weather the stormy economy\u003C\u002Fh2\u003E\u003Cp\u003EBut no analysis of the current state of the economy would be complete without a section devoted to solutions to help people weather the choppy waters of economic uncertainty. Walsh shared with \u003Cem\u003EZDNet\u003C\u002Fem\u003E some of his observations and takeaways for people to keep in mind as we enter the second half of the year?\u003C\u002Fp\u003E\u003Ch3\u003EHomebuyers: Stick to your budget\u003C\u002Fh3\u003E\u003Cp\u003EFor first-time homebuyers yearning to get approved for a mortgage, Walsh recommends sticking to your budget and not striving for what you think you could potentially get approved for. \"We've always been a big proponent of backing into your purchase price from your actual budget I think a lot of times people start with a high-level rule of thumb, or maybe they look at what they could potentially get approved for,\" he says. \"Both those numbers are typically much higher than what will fit comfortably in a budget while still allowing you to save and pay down debt, among other things.\"\u003C\u002Fp\u003E\u003Ch3\u003EPut your payments on autopilot    \u003Cbr\u003E\u003C\u002Fh3\u003E\u003Cp\u003EIt's easy to spend money, especially when you make instant charges from your smartphone or an impulse buy from one of your many online retail accounts. Technology is your shopping enabler. But Walsh notes that we can use technology in our favor to \"trick\" us into being more responsible in managing our pocketbooks online. \"Technology makes it so you can automate a lot of things, so you can link your account and get alerts through a platform such as \u003Ca href=\"https:\u002F\u002Fwww.sofi.com\u002Frelay-financial-insights\u002F\"\u003ESoFi Relay\u003C\u002Fa\u003E, so that if you overspend, [an alert] pops up in the palm of your hand and you get that note saying to tone back spending.\" Relay is SoFi's one-stop-shop for tracking your money, from getting credit score monitoring, spending breakdowns, and financial insights -- free of charge.\u003C\u002Fp\u003E\u003Ch3\u003EDon't make long-term purchases to cut down short-term costs\u003C\u002Fh3\u003E\u003Cp\u003ELet's face it, gas prices aren't going down soon, at least not to the more comfortable levels of $3 a gallon that we experienced last year (the current national average for the price of a gallon of gas is \u003Ca href=\"https:\u002F\u002Fgasprices.aaa.com\u002Fstate-gas-price-averages\u002F\"\u003E$4.81, according to AAA\u003C\u002Fa\u003E). Walsh notes that although people can absorb extra expenses while focusing on ways to decrease expenses in other areas, they run the risk of cutting their noses off to spite their faces. \u003C\u002Fp\u003E\u003Cp\u003ETake saving on gas as an example. Summertime is peak driving season when families travel to visit friends and relatives, and to take vacations. But this summer some people are passing up on trips because of the price of gas. \"We're trying to make sure that people don't overreact to a situation and potentially put themselves in a tougher situation,\" Walsh says. One example he provides is buying a brand new fuel-efficient or electric vehicle, even though your current automobile has several years left of vim and vigor. \"We don't want people overreacting to a small expense going up by making a really big purchase and making larger monthly payments,\" he added.\u003C\u002Fp\u003E\u003Ch3\u003EConsider these \"convenient\" tips\u003C\u002Fh3\u003E\u003Cp\u003EKeeping your spending in check during these trying economic times isn't easy, but every little bit helps. What Walsh and the team found helpful is reevaluating the concept of convenience. Shopping online, for example, is fast, convenient, and gives one instant gratification, which results in spending money. To curb your shopping enthusiasm, Walsh recommends implementing a waiting period. \"It can be 24 to 48 hours before you buy something over a certain dollar amount; something like that -- as silly as it sounds -- helps people spend less money.\" \u003C\u002Fp\u003E\u003Cp\u003EWalsh also recommends checking the prices on \"convenient\" resources such as Uber versus taking a taxi, or food delivery services versus picking up directly. \"If you look at a lot of these services that have added convenience, they started out being really low-priced. I remember when Uber used to be super cheap compared to taking a taxi; now that's reversed depending on where you're located, so you have to ask is the convenience worth it? Sometimes it is, sometimes it isn't,\" he says.\u003C\u002Fp\u003E\u003Ch3\u003EInvestors: Think long term (and don't sweat the 'firsts') \u003Cbr\u003E\u003C\u002Fh3\u003E\u003Cp\u003EThere's no going around it, people react emotionally to investing. Whether it's your stock portfolio, your 401(k), or your investment in Bitcoin (or any altcoin), the moment the markets take a dip, and the value of your investments drop, it's easy to freak out by pulling out. But the reality is that markets do fall -- sometimes into bear market territory (sometimes worse) -- and as history has shown, the markets recover, rising to new heights. Consider the S&P 500 index. From its inception in 1926 through December 31, 2021, the average annualized return has been up 10.5%. That includes the Great Depression of 1929, the Great Recession of 2008, numerous bull and bear markets, corrections, double-digit inflation of the early 1980s, and even the global pandemic over the past two years. Despite the downs, the stock market remains strong and continues to move on an upward trajectory.\u003C\u002Fp\u003E\u003Cp\u003EWalsh notes that the media is quick to amplify the small events affecting the daily performance of the markets, intensifying investor anxiety. The solution is simple: Don't overreact. \"Any time I turn on the TV, or go on the internet or my Twitter feed, it's always 'the first time ever.'\" Be it the Fed raising rates by 75 points – the first time ever since 1994 -- or the stock market dropping into bear market territory during the first half of the year -- the first time ever since 1970 -- there's always a first. \"Yes, there are a lot of firsts, but at the same time volatility in down markets is a completely normal part of investing; it's the price you pay to achieve the highest long-term returns,\" he says. Walsh simply suggests investors should \"zoom out.\" Don't look at your investments in one-week time horizons, but rather in three-, five-, 10- or 15-year horizons. After all, investors are in it for the long haul.\u003C\u002Fp\u003E\u003Cp\u003EAmericans may be stressed, but they're also resilient. Although the current economic condition is turbulent, shaky, and uncertain, we need not get caught up in the frenzy of every swing in the markets. Life is stressful enough, but by taking it one day at a time, being mindful of how we spend and better manage our money and consume resources and services, we might just be able to weather this storm and sail to calmer, more secure streams ahead. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"aa46de76-899f-4423-83b7-a891c88392d8\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Faa46de76-899f-4423-83b7-a891c88392d8\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-07-06 18:00:00",timezone:"UTC",updated:c,published:c},description:"Inadequate retirement savings, credit card debt, not enough money to pay for mortgage, rent, or food, are among reasons Americans are losing sleep, according to SoFi survey.",filterKey:"749c6e8e-7c82-4cba-bb05-97bebbc25289",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"9c6621d5-976f-4ebe-b609-276a903672f6",image:{id:"10ce8734-7001-46cc-94a5-5e402d550aef",filename:"getty-a-stressed-man-at-a-computer-in-a-dark-office.jpg",dateCreated:{created:c,date:"2022-01-24 10:29:26",timezone:"UTC",updated:c,published:c},alt:"sofi-pic1.png",credits:"SOURCE: \"The Future of Workplace Financial Well-Being: 2022 Employer & Employee Perspectives\", SoFi at Work.",caption:"\u003Cp\u003EA man looking stressed in front of a computer inside an office. \u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F01\u002F24\u002F10ce8734-7001-46cc-94a5-5e402d550aef\u002Fgetty-a-stressed-man-at-a-computer-in-a-dark-office.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:2119,height:1414,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"analysis\u002Fopinion",hubTopicPathString:"Finance^Banking",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"financial-stress-among-american-workers-is-high",startYear:c,summary:b,title:"Financial stress among American workers is high; employees want companies to invest more in benefits to improve their finances",topic:{id:"0fe9b07a-ec91-11e3-95d2-02911863765e",slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"0fe9b07a-ec91-11e3-95d2-02911863765e",slug:"banking",name:"Banking",typeName:"content_topic",uuid:b,primary:a,topicPath:[]},{id:"a4a7fc0f-7c4e-4840-b2fa-d95299fe8023",slug:"credit-cards",name:"Credit Cards",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},{id:"cffffbb9-4216-4598-889e-16dcbf4da4ba",slug:"investing",name:"Investing",typeName:"content_topic",uuid:b,primary:d,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"d62f615a-7c98-4b72-9f60-4fc0b32c5008",username:"ezimmer",profileUrl:c,email:c,firstName:"Evan",lastName:"Zimmer",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"b4d24d6b-a72f-4381-9b2a-b99f7f36348b",filename:"evanzimmer3.jpg",dateCreated:{created:c,date:"2022-01-14 18:53:05",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F01\u002F14\u002Fb4d24d6b-a72f-4381-9b2a-b99f7f36348b\u002Fevanzimmer3.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Evan Zimmer is a journalist based outside of Denver, Colorado. He's been writing about credit cards and other financial products for years, and works to bring you the best, most up-to-date financial information.",profile:c,title:"Staff Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cdiv data-shortcode=\"image\" data-uuid=\"396940dc-ab26-4d80-a78b-df4a522a1070\" data-size=\"large\" data-float=\"none\" data-image-caption=\"\u003Cp\u003Efinancial stock market graph illustration, concept of business investment and stock future trading.\u003C\u002Fp\u003E\" data-image-credit=\"Getty Images\u002FiStockphoto\" data-image-alt-text=\"stock market investment graph with indicator and volume data.\" data-image-filename=\"istock-11326602681.jpg\" data-image-date-created=\"2019\u002F09\u002F19\" data-image-width=\"770\" data-image-height=\"568\" data-image-do-not-crop=\"false\" data-image-do-not-resize=\"false\" data-image-watermark=\"false\" data-lightbox=\"false\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EGoldman Sachs announced that beginning Wednesday, June 29, it is lowering its account minimums and management fees for Marcus Investing accounts. The account minimum is being reduced drastically, from $1,000 to $0, and the minimum investment is now just $5.\u003C\u002Fp\u003E\u003Cp\u003EIn addition, the company is reducing its portfolio management fee from 0.35% to 0.25%. These are welcomed changes to the robo-advisory investment platform. A robo-advisor investment platform manages a selection of portfolios on behalf of investors. \u003C\u002Fp\u003E\u003Cp\u003EAccording to Harshal Goel, managing director of \u003Ca href=\"https:\u002F\u002Fwww.marcus.com\u002Fus\u002Fen\u002Finvest\" target=\"_blank\"\u003EMarcus by Goldman Sachs\u003C\u002Fa\u003E, portfolios are based on models created by the Goldman Sachs Investment strategy group. The portfolios are matched with investors based on their answers to questions as they create an account, as well as according to investment goals they set.\u003C\u002Fp\u003E\u003Cp\u003EPortfolios are made up of a mix of stock and bond exchange-traded funds (ETFs). Investors can choose their risk tolerance from conservative to aggressive, which determines the percentage of stocks (riskier) and bonds (conservative) in the portfolios that are suggested to them. Users can monitor how well their portfolios are doing online or via the Marcus Invest app.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EAlso: \u003C\u002Fstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Fblockchain\u002Fnova-finance-seeks-to-make-defi-accessible-to-every-investor-through-automation\u002F\" target=\"_blank\"\u003E\u003Cstrong\u003ENova Finance seeks to make DeFi accessible to every investor through automation and education\u003C\u002Fstrong\u003E\u003C\u002Fa\u003E\u003C\u002Fp\u003E\u003Cp\u003E\"Marcus Invest is designed to help make it easy for consumers to invest and brings the expertise of Goldman Sachs to a wider audience in a digital first way,\" Goel said. \"We have updated our account minimums and management fees to make the product more accessible and to deliver more value to our customers. Everything we do is grounded in customer centricity and these updates are no different.\"\u003C\u002Fp\u003E\u003Cp\u003EAt a time when the cost of living is steadily increasing, having a platform that can make your money work for you without having to do much work on your end could be a real boon. And with no account minimum and a minimum investment of just $5, this could be a good opportunity for prospective investors who haven't yet jumped into the space. But there are inherent risks involved with investing.\u003C\u002Fp\u003E\u003Cp\u003E\"Every individual circumstance is different and before beginning to invest it is important to think about how much risk you are willing to take on and to take a look at your entire financial picture,\" Goel said.  \u003C\u002Fp\u003E\u003Cp\u003EGoldman Sachs isn't the only financial services company to make changes to its robo-advisor investment platform. \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Ffinance\u002Finvesting\u002Fwells-fargo-revamps-intuitive-investor-platform-for-new-generation-of-investors\u002F\" target=\"_blank\"\u003EWells Fargo also lowered its investing requirements through its Intuitive Investor platform back in May\u003C\u002Fa\u003E.\u003C\u002Fp\u003E\u003Cp\u003EWhile not as inexpensive as Marcus Invest by Goldman Sachs, if consumers already have a Wells Fargo banking relationship, it could present an easier route to breaking into the investing world.\u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" data-uuid=\"aa46de76-899f-4423-83b7-a891c88392d8\" data-uri=\"\u002Fapi\u002Fcomponent\u002Feditorial\u002Faa46de76-899f-4423-83b7-a891c88392d8\" data-float=\"none\"\u003E\u003C\u002Fdiv\u003E",gallery:c,category:c,children:c,contentType:b,contentUrl:b,coreImages:c,date:c,datePublished:{created:c,date:"2022-06-29 18:03:00",timezone:"UTC",updated:c,published:c},description:"The global investment banking, securities, and investment management firm is updating the features of its robo-advisor investment platform.",filterKey:"749c6e8e-7c82-4cba-bb05-97bebbc25289",filterLabel:b,genreGroups:c,icon:b,nodeId:b,subCategory:c,id:"0b03fbd4-c708-41e9-9304-547124e8523b",image:{id:"2718cacb-c7b4-4d8a-81db-5b7390a4873e",filename:"istock-1089940388.jpg",dateCreated:{created:c,date:"2020-10-27 12:42:55",timezone:"UTC",updated:c,published:c},alt:"stock market investment graph with indicator and volume data.",credits:"Getty Images\u002FiStockphoto",caption:"\u003Cp\u003Efinancial stock market graph illustration ,concept of business investment and stock future trading.\u003C\u002Fp\u003E",path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2020\u002F10\u002F27\u002F2718cacb-c7b4-4d8a-81db-5b7390a4873e\u002Fistock-1089940388.jpg",cropGravity:o,crop:c,typeName:"content_image",imageUrl:c,width:6000,height:4000,bucketPath:c,bucketType:c,title:c},label:b,metaData:{typeTitle:"news",hubTopicPathString:"Finance^Investing",relatedItems:[]},name:b,promoTitle:b,section:b,slug:"marcus-invest-by-goldman-sachs-just-became-much-more-accessible-to-investors",startYear:c,summary:b,title:"Marcus Invest by Goldman Sachs just became much more accessible to investors",topic:{id:"cffffbb9-4216-4598-889e-16dcbf4da4ba",slug:"investing",name:"Investing",typeName:"content_topic",uuid:b,primary:d,topicPath:[]},topics:[{id:"cffffbb9-4216-4598-889e-16dcbf4da4ba",slug:"investing",name:"Investing",typeName:"content_topic",uuid:b,primary:a,topicPath:[]}],hubTopicPathString:c,type:"content_article",typeName:b,url:b,isSponsored:d},{author:{id:"9c20cf52-798b-46f0-9742-01999d97a167",username:"Lena Borrelli",profileUrl:c,email:c,firstName:"Lena",lastName:"Borrelli",jobTitle:c,dateCreated:{created:c,date:c,timezone:c,updated:c,published:c},image:{id:"302892f5-e22d-48c6-91a3-5d45643222c9",filename:"lena-borrelli-author.jpg",dateCreated:{created:c,date:"2021-07-06 17:17:49",timezone:"UTC",updated:c,published:c},alt:c,credits:c,caption:c,path:"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2021\u002F07\u002F06\u002F302892f5-e22d-48c6-91a3-5d45643222c9\u002Flena-borrelli-author.jpg",cropGravity:c,crop:c,typeName:"content_image",imageUrl:c,width:c,height:c,bucketPath:c,bucketType:c,title:c},socialProfileIds:c,authorBio:"Lena Muhtadi Borrelli has several years of experience in writing for insurance domains such as Bankrate, allconnect, Healthline, Reviews.com, HomeInsurance.com, My Slumber Yard and MYMOVE. She is a financial expert who previously worked for Morgan Stanley and now specializes in all forms of insurance. Her work has also recently been published on sites like TIME, ADT, Fiscal Tiger, Bankrate, The Simple Dollar and Home Advisor, as well as many other websites and blogs around the world.",profile:c,title:"Contributing Writer",bio:b,bureau:"US",awards:b,expertise:b,authorDisclosure:c},body:"\u003Cp\u003EIt does not have to cost you a ton to get involved in the stock market. In fact, it could cost you just a handful of pennies or as much as $5 when you use penny stock apps. \u003C\u002Fp\u003E\u003Cp\u003Epenny stock apps can be a simple way to invest your money with just a minimal financial investment, thus eliminating the heady risk of larger investments. Instead, the best penny stock apps offer a user-friendly way to invest your money with a low startup cost. But where is one to start? \u003C\u002Fp\u003E\u003Cp\u003EWe survey today's best penny stock apps, analyzing key features and factors before presenting the best penny stock apps for your financial future.  \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"78af2e49-1346-46e2-aa1e-2304bc43958b\" data-edition=\"us\" data-description=\"\u003Cp\u003ECharles Schwab is a well-known name in the financial world, so it makes sense that it is a trustworthy name in investing and our overall best pick for penny stock apps. It offers a user-friendly app in the form of Schwab Trading Software that is simple to use both domestically and internationally with Charles Schwab's signature service. There are multiple charting options, plus you can integrate with your social media to remain plugged in at all times. It is an app worthy of both the casual and regular investor with a straightforward approach that is user-friendly to even beginner investors. To get started, you will need to open an account. There are no minimum trade requirements, although you will face a flat transaction fee for each trade.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ECost and fees\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EThere are no monthly service fees, but Charles Schwab does charge fees per trade, according to the fee schedule below.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EType of trade\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ECost per trade\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EAutomated phone trade\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$11.95 (including $5 automated phone fee)\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EBroker-assisted trade\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$25\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003Cp\u003E\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EMultiple platforms\u003C\u002Fli\u003E\u003Cli\u003ENo monthly fees\u003C\u002Fli\u003E\u003Cli\u003EExcellent mobile app&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ELacking automated cash sweep\u003C\u002Fli\u003E\u003Cli\u003ENo FX trading\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Charles Schwab\" data-superlative=\"Best penny stock app overall\" data-imagegroup=\"{"alt":"Charles Schwab, ZDNet's best overall penny stock app","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"2a08ad94-c23a-454a-8f3d-46662139e4e7","title":"Charles Schwab app review | best penny stock app","filename":"charles-schwab-app-review-best-penny-stock-app.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F10\u002F2a08ad94-c23a-454a-8f3d-46662139e4e7\u002Fcharles-schwab-app-review-best-penny-stock-app.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":395754,"width":1296,"height":729,"dateCreated":{"date":"2022-06-10 05:53:34","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-06-10 05:53:39","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Charles Schwab app review | best penny stock app","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"2a08ad94-c23a-454a-8f3d-46662139e4e7","imageAltText":"Charles Schwab, ZDNet's best overall penny stock app","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"charles-schwab-app-review-best-penny-stock-app.jpg","imageDateCreated":"2022\u002F06\u002F10","imageWidth":1296,"imageHeight":729,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Charles Schwab","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.schwab.com\u002F","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.schwab.mobile&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apple App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fschwab-mobile\u002Fid407358186","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"98867fe4-4480-4f91-ad5d-26fb48a9f53b\" data-edition=\"us\" data-description=\"\u003Cp\u003EYou will need to create a brokerage account to begin trading, but once you do, you're all set to begin investing. There are a ton of investment tools you can use to help with strategy, such as resources for retirement planning and market news to keep you abreast of market changes. It is extra guidance that is incredibly beneficial to investors, especially those novices that are still navigating their way around the market. Commissions are reasonable, allowing you a generous discount when you have 30 or more transactions. It is a benefit that is rarely seen among penny stock apps, saving you money when you are active on the platform. You have the option to conduct either self-directed online or broker-assisted trades, but first, you have to fund the account, which can take a little while, depending on the funding method you choose. However, you do have the option to use the free Transfer Money service, deposit a check, or send a wire transfer. If you need help, there is excellent customer service with 24\u002F7 availability via phone for any help you may need.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ECost and fees\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EE*Trade charges a straightforward fee schedule.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EType of trade\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ECost per trade\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EOnline orders (less than 30 per month)\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$6.95\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EOnline orders (30+ per month)\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$4.95\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EBroker-assisted trades\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$25.00\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003Cp\u003E\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EDiscounted trading costs for bulk transactions\u003C\u002Fli\u003E\u003Cli\u003ENo minimum deposit required\u003C\u002Fli\u003E\u003Cli\u003E24\u002F7 customer support&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ESlow to fund accounts&nbsp;\u003C\u002Fli\u003E\u003Cli\u003ENo cryptocurrency available\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"E*Trade\" data-superlative=\"Best resources for a penny stock app\" data-imagegroup=\"{"alt":"E*Trade, ZDNet's pick for best resources","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"95fef10d-da4d-425f-a049-e52583234edb","title":"Etrade app review | best penny stock app","filename":"etrade-app-review-best-penny-stock-app.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F10\u002F95fef10d-da4d-425f-a049-e52583234edb\u002Fetrade-app-review-best-penny-stock-app.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":260966,"width":1296,"height":729,"dateCreated":{"date":"2022-06-10 05:54:10","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-06-10 05:54:13","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Etrade app review | best penny stock app","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"95fef10d-da4d-425f-a049-e52583234edb","imageAltText":"E*Trade, ZDNet's pick for best resources","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"etrade-app-review-best-penny-stock-app.jpg","imageDateCreated":"2022\u002F06\u002F10","imageWidth":1296,"imageHeight":729,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"E*Trade","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fus.etrade.com\u002Fe\u002Ft\u002Fuser\u002Flogin","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.etrade.mobilepro.activity&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apple App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Fe-trade-invest-trade-save\u002Fid313259740","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"5fca7401-4c47-4d84-babc-040e49186d53\" data-edition=\"us\" data-description=\"\u003Cp\u003EIn order to benefit from Fidelity's penny stocks, you first must acknowledge the risks involved before you can begin trading. In addition to its caution, this is a company that is helpful both with its website and its app. They are easy to navigate and host several invaluable tools through its Learning Center to help you, providing the latest in-depth research complete with a screener to help you choose the right penny stocks for your needs. The app offers a streamlined interface with the ability to make notations as you go. That makes it an excellent fit for beginners, but experienced investors are sure to find these resources helpful, as well. There is also the Active Trader Pro desktop program you can use for active trades. International trading is permitted, with over 20 countries and more than 15 currencies available for greater ease and accessibility.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ECost and fees\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003EFidelity does not charge a commission fee for trading. &nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EFantastic for order execution&nbsp;\u003C\u002Fli\u003E\u003Cli\u003EBuilt-in stock screeners&nbsp;\u003C\u002Fli\u003E\u003Cli\u003EActive Trader Pro access&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ELimited to U.S. citizens only\u003C\u002Fli\u003E\u003Cli\u003ENo auto-refresh feature&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Fidelity\" data-superlative=\"Best research for a penny stock app\" data-imagegroup=\"{"alt":"Fidelity, ZDNet's pick for best research","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"e36c45c9-c175-457a-9f2a-437111cd5431","title":"Fidelity app review | best penny stock app","filename":"fidelity-app-review-best-penny-stock-app.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F10\u002Fe36c45c9-c175-457a-9f2a-437111cd5431\u002Ffidelity-app-review-best-penny-stock-app.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":242472,"width":1296,"height":729,"dateCreated":{"date":"2022-06-10 05:54:42","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-06-10 05:54:45","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Fidelity app review | best penny stock app","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"e36c45c9-c175-457a-9f2a-437111cd5431","imageAltText":"Fidelity, ZDNet's pick for best research","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"fidelity-app-review-best-penny-stock-app.jpg","imageDateCreated":"2022\u002F06\u002F10","imageWidth":1296,"imageHeight":729,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Fidelity","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.fidelity.com\u002F","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.fidelity.android&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apple App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Ffidelity-investments\u002Fid348177453","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"afa81dec-ceb4-4e03-a62b-dea58bf05887\" data-edition=\"us\" data-description=\"\u003Cp\u003ERobinhood is a well-known name when it comes to investing in apps, and that is no different with penny stocks. Stocks max out at $5, and there is the ability to add fractional shares to your portfolio. You can even invest in penny stock EFTs and mutual funds. Simply search or filter by price, so you only see penny stocks below the cost of $5 per share. Penny stocks are limited, however, with access restricted to those companies listed on the NASDAQ and the New York Stock Exchange (NYSE). It is an extra built-in benefit that novice users can appreciate because it eliminates some of the risk typically associated with penny stocks. When it comes to funding your account, transfers are a simple matter. Robinhood allows you to transfer up to $50,000 per business day, but you can access $1,000 immediately.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ECost and fees\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003ERobinhood does not charge any commission, new account, or opening fees. However, there is a fee of up to $6.49 per trade for its trading activity fee.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EMore legitimate trading options\u003C\u002Fli\u003E\u003Cli\u003EFree to trade\u003C\u002Fli\u003E\u003Cli\u003EFractional shares available&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003ENo OTC trades\u003C\u002Fli\u003E\u003Cli\u003EWaiting time for deposits to clear&nbsp;\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"Robinhood\" data-superlative=\"Best penny stock app for novice investors\" data-imagegroup=\"{"alt":"Robinhood, ZDNet's pick for novice investors","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"cd0d7a68-0fb5-43cb-8d69-1ff5f5eaa5b1","title":"Robinhood app review | best penny stock app","filename":"robinhood-app-review-best-penny-stock-app.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F10\u002Fcd0d7a68-0fb5-43cb-8d69-1ff5f5eaa5b1\u002Frobinhood-app-review-best-penny-stock-app.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":226194,"width":1296,"height":729,"dateCreated":{"date":"2022-06-10 05:55:16","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-06-10 05:55:19","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"Robinhood app review | best penny stock app","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"cd0d7a68-0fb5-43cb-8d69-1ff5f5eaa5b1","imageAltText":"Robinhood, ZDNet's pick for novice investors","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"robinhood-app-review-best-penny-stock-app.jpg","imageDateCreated":"2022\u002F06\u002F10","imageWidth":1296,"imageHeight":729,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Robinhood","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Frobinhood.com\u002F","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.robinhood.android&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apple App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Frobinhood-investing-for-all\u002Fid938003185","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"44b1be05-2c9e-4ff5-adae-0cc876772634\" data-edition=\"us\" data-description=\"\u003Cp\u003ETD Ameritrade is another well-known name for investing with options for both personal and managed accounts. There is a flat fee for trades, and there also are no fees for EFT and mutual fund transactions. You have your choice of either the powerful web platform or you can opt for the app. Either way, it is a simple matter to submit a trade ticket. The app, Thinkorswim, especially shines for its advanced tools and resources. You can trade not only EFTs and mutual funds but also forex, futures, and options, depending on your portfolio. With over 400 different analytics, it is an app that is suitable for the experienced investor and packed with resources for the beginner. You can even trade via third-party platforms like Facebook Messenger and Twitter Direct Messages for emergency trades with Google Assistant for faster trading and reporting.\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003ECost and fees\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp\u003ETD Ameritrade charges $6.95 per trade, but there is no minimum opening balance requirement, nor are there commissions.&nbsp;\u003C\u002Fp\u003E\u003Cp\u003E\u003Cstrong\u003EPros\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EFew fees\u003C\u002Fli\u003E\u003Cli\u003ENo required opening balance\u003C\u002Fli\u003E\u003Cli\u003ETons of transaction-free stocks\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003E\u003Cstrong\u003ECons\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EDoes not offer fractional shares\u003C\u002Fli\u003E\u003Cli\u003ENo direct access to cryptocurrency\u003C\u002Fli\u003E\u003C\u002Ful\u003E\" data-hed=\"TD Ameritrade\" data-superlative=\"Best user-friendly penny stock app\" data-imagegroup=\"{"alt":"TD Ameritrade, ZDNet's pick for the best user-friendly app","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"e05082e6-86a1-4bf5-be2c-c9d5d0c98ce3","title":"TD Ameritrade app review | best penny stock app.jpg","filename":"td-ameritrade-app-review-best-penny-stock-app-jpg.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F10\u002Fe05082e6-86a1-4bf5-be2c-c9d5d0c98ce3\u002Ftd-ameritrade-app-review-best-penny-stock-app-jpg.jpg","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","size":215677,"width":1296,"height":729,"dateCreated":{"date":"2022-06-10 05:55:48","timezone":"UTC","timezone_type":3},"dateUpdated":{"date":"2022-06-10 05:55:52","timezone":"UTC","timezone_type":3},"needsModeration":false,"mimeType":"image\u002Fjpeg","deleted":false,"credits":null,"alt":"TD Ameritrade app review | best penny stock app.jpg","restricted":false,"startDate":null,"endDate":null,"preferred":false,"watermark":false,"doNotCrop":false,"doNotResize":false,"primaryCollection":null,"vanityUrl":null,"notes":null,"crop":null,"cropGravity":0,"preservedRegion":null,"isNew":false,"keywords":[],"primeColor":null,"hasWarning":false,"typeName":"content_image"},"uuid":"e05082e6-86a1-4bf5-be2c-c9d5d0c98ce3","imageAltText":"TD Ameritrade, ZDNet's pick for the best user-friendly app","imageCaption":"\u003Cp\u003E\u003C\u002Fp\u003E","imageCredit":"","imageDoNotCrop":false,"imageDoNotResize":false,"imageWatermark":false,"imageFilename":"td-ameritrade-app-review-best-penny-stock-app-jpg.jpg","imageDateCreated":"2022\u002F06\u002F10","imageWidth":1296,"imageHeight":729,"imageParallax":"","imageCrop":"","imageEnlarge":false}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-merchantoffers=\"[{"useMonetization":true,"monetizedUrl":"","offerMerchant":"TD Ameritrade","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fwww.tdameritrade.com\u002F","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Google Play","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fplay.google.com\u002Fstore\u002Fapps\u002Fdetails?id=com.tdameritrade.mobile3&hl=en_US&gl=US","url":""},{"useMonetization":true,"monetizedUrl":"","offerMerchant":"Apple App Store","offerPrice":"","monetizationStatus":"on","rawUrl":"https:\u002F\u002Fapps.apple.com\u002Fus\u002Fapp\u002Ftd-ameritrade-mobile\u002Fid534659421","url":""}]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"1ce44ca8-1263-4e2f-8a4d-8869f031b903\" data-edition=\"us\" data-description=\"\u003Cp\u003ECharles Schwab is ZDNet's No. 1 pick. It offers a user-friendly app, is available on multiple platforms, has no monthly fees, and is great trading app for beginner investors.\u003C\u002Fp\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EPenny stock app\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003ECost per trade\u003C\u002Fstrong\u003E \u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ECharles Schwab\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$11.95 - $25.00\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EE*Trade\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$4.95 - $6.95\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EFidelity\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$0\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ERobinhood\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EUp to $6.49\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ETD Ameritrade\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E$6.95\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\" data-hed=\"What is the best penny stock app?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"8fbce790-e00a-492d-a20a-d4867cf2bad8\" data-edition=\"us\" data-description=\"\u003Cp\u003EWith several options to choose from, it can be a bit difficult to decipher which penny stock app is best for you. These are our expert suggestions to help. \u003C\u002Fp\u003E\u003Cdiv class="table--container " data-role="table" data-rows="6" data-columns="2" data-title="6x2 Table" draggable="true" ondragstart="hub.view.control.rte.RichTextEditorTable.hDragstart(event)"\u003E\u003Cdiv class="table-wrapper"\u003E\u003Ctable\u003E\u003Ctbody\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EChoose this penny stock app...\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003E\u003Cstrong\u003EIf you want...\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ECharles Schwab\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EA well-rounded app\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EE*Trade\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003ETools to help \u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003EFidelity\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EThe best research to help with your investing\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ERobinhood\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EBeginner-friendly trading options\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003Ctr\u003E\u003Ctd\u003E\u003Cp\u003ETD Ameritrade\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003Ctd\u003E\u003Cp\u003EA simple interface that is easy to use\u003C\u002Fp\u003E\u003C\u002Ftd\u003E\u003C\u002Ftr\u003E\u003C\u002Ftbody\u003E\u003C\u002Ftable\u003E\u003C\u002Fdiv\u003E\u003C\u002Fdiv\u003E\" data-hed=\"Which is the right penny stock app for you?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"e28ed9c0-5a29-422f-a0b8-29a14ef3f5ab\" data-edition=\"us\" data-description=\"\u003Cp\u003EIn our search for the best penny stock apps, we reviewed many different options and services to offer the right option for your needs. We considered several different factors, including these:\u003C\u002Fp\u003E\u003Cul\u003E\u003Cli\u003EAccess: One of the most important things is the ability to access several different stocks. There is no shortage of penny stocks out there, but not all penny stock apps may have the exact trades you want. \u003C\u002Fli\u003E\u003Cli\u003EInterface: We look for a clean, streamlined interface that is simple to navigate, regardless of whether you are a beginner or not. \u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EAvailability: Some penny stock apps may be limited in their availability, requiring you to trade on certain days or during specific hours. Many of the best penny stock apps offer 24-hour availability for added convenience. \u003Cbr\u003E\u003C\u002Fli\u003E\u003Cli\u003EFees: Budget is always a concern, so we chose the best penny stock apps with reasonable fees. Many of the options on our list skip the commission fees or have no requirement for your minimum opening balance.  \u003Cbr\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003Cp\u003EWe also consider user experience, studying real reviews to get the inside scoop on how effective each app is for penny stock trading. \u003C\u002Fp\u003E\" data-hed=\"How did we choose these penny stock apps?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"b1773a55-75ce-4aba-9935-cc9689aa79fe\" data-edition=\"us\" data-description=\"\u003Cp\u003EA penny stock is also known as an over-the-counter (OTC) stock. They require a minimum starting investment, typically ranging between $0.10 and $5 for most of the best penny stock apps. They have low liquidity and typically come with significant risk.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is a penny stock?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"2cec19e0-ab88-471e-b9ed-75e154a4ca52\" data-edition=\"us\" data-description=\"\u003Cp\u003EPenny stocks are notorious for their high-risk nature, allowing investors to lose just as easily as they gain if they are not careful. Stocks under $5 are generally high-risk because they generally come from newer companies that have not gained their financial footing in the market. For this reason, they are inexpensive but also steeped in risk.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"Do penny stock apps make money?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"16e36fe4-76e3-46eb-b48f-16c58212d33c\" data-edition=\"us\" data-description=\"\u003Cp\u003EThe best penny stock app is Charles Schwab, thanks to its user=friendly app and strong company background. It is an app packed with resources and tools that is suitable for both the novice and experienced investor.&nbsp;\u003C\u002Fp\u003E\" data-hed=\"What is the best penny stock app? \" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"cnetlisticle\" data-id=\"85bd80c2-90ad-4e2b-ab48-1dbf83362d50\" data-edition=\"us\" data-description=\"\u003Cp\u003EIn our search for the best penny stock apps, we came across several options. These are some of the other penny stock apps we considered for our list.\u003C\u002Fp\u003E\" data-hed=\"Are there alternatives worth considering?\" data-imagegroup=\"{}\" data-merchantoffers=\"[]\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"commercepromo\" data-id=\"6fac082d-e5f3-473f-ba03-42176b25cd90\" data-edition=\"us\" data-hed=\"eToro: Suitable for new investors\" data-imagegroup=\"{"alt":"eToro: Suitable for new investors","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"47580eb4-7a8d-4e00-94c2-811862b02768","filename":"etoro-suitable-for-new-investors.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F10\u002F47580eb4-7a8d-4e00-94c2-811862b02768\u002Fetoro-suitable-for-new-investors.jpg","dateCreated":{"date":"2022-06-10 06:00:58","timezone":"UTC","timezone_type":3},"primeColor":null,"hasWarning":false},"uuid":"47580eb4-7a8d-4e00-94c2-811862b02768","imageFilename":"etoro-suitable-for-new-investors.jpg","imageDateCreated":"2022\u002F06\u002F10"}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-offerurl=\"https:\u002F\u002Fwww.etoro.com\u002Fen-us\u002F\" data-offermerchant=\"eToro\" data-techobjectinfo=\"{}\" data-usemonetization=\"true\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"commercepromo\" data-id=\"66d6f752-4fa2-4102-b3dd-b4ee61e9ca59\" data-edition=\"us\" data-hed=\"Interactive Brokers: A great choice for educational tools\" data-imagegroup=\"{"alt":"Interactive Brokers: A great choice for educational tools","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"a7154b0a-3d41-4f1d-b425-5fedfa8e1f2d","filename":"interactive-brokers-a-great-choice-for-educational-tools.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F10\u002Fa7154b0a-3d41-4f1d-b425-5fedfa8e1f2d\u002Finteractive-brokers-a-great-choice-for-educational-tools.jpg","dateCreated":{"date":"2022-06-10 06:01:19","timezone":"UTC","timezone_type":3},"primeColor":null,"hasWarning":false},"uuid":"a7154b0a-3d41-4f1d-b425-5fedfa8e1f2d","imageFilename":"interactive-brokers-a-great-choice-for-educational-tools.jpg","imageDateCreated":"2022\u002F06\u002F10"}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-offerurl=\"https:\u002F\u002Fwww.interactivebrokers.com\u002Fen\u002Fhome.php\" data-offermerchant=\"Interactive Brokers\" data-techobjectinfo=\"{}\" data-usemonetization=\"true\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"commercepromo\" data-id=\"2208917c-a893-428c-8b44-5fadbbadb3f2\" data-edition=\"us\" data-hed=\"TradeStation: Designed for active traders\" data-imagegroup=\"{"alt":"TradeStation: Designed for active traders","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"c2f96ef1-9b59-41b1-a2dc-670160c77317","filename":"tradestation-designed-for-active-traders.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F10\u002Fc2f96ef1-9b59-41b1-a2dc-670160c77317\u002Ftradestation-designed-for-active-traders.jpg","dateCreated":{"date":"2022-06-10 06:01:32","timezone":"UTC","timezone_type":3},"primeColor":null,"hasWarning":false},"uuid":"c2f96ef1-9b59-41b1-a2dc-670160c77317","imageFilename":"tradestation-designed-for-active-traders.jpg","imageDateCreated":"2022\u002F06\u002F10"}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-offerurl=\"https:\u002F\u002Fwww.tradestation.com\u002F\" data-offermerchant=\"TradeStation\" data-techobjectinfo=\"{}\" data-usemonetization=\"true\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cdiv data-shortcode=\"commercepromo\" data-id=\"101d8a80-d522-46ab-9edc-20e05a057786\" data-edition=\"us\" data-hed=\"Webull: An affordable platform for simplified trading\" data-imagegroup=\"{"alt":"Webull: An affordable platform for simplified trading","caption":"\u003Cp\u003E\u003C\u002Fp\u003E","credits":"","imageData":{"id":"0c0ffae9-986a-4208-924b-3d6a8669e35a","filename":"webull-an-affordable-platform-for-simplified-trading.jpg","path":"https:\u002F\u002Fwww.zdnet.com\u002Fa\u002Fimg\u002F2022\u002F06\u002F10\u002F0c0ffae9-986a-4208-924b-3d6a8669e35a\u002Fwebull-an-affordable-platform-for-simplified-trading.jpg","dateCreated":{"date":"2022-06-10 06:01:46","timezone":"UTC","timezone_type":3},"primeColor":null,"hasWarning":false},"uuid":"0c0ffae9-986a-4208-924b-3d6a8669e35a","imageFilename":"webull-an-affordable-platform-for-simplified-trading.jpg","imageDateCreated":"2022\u002F06\u002F10"}\" data-overridecaption=\"\u003Cp\u003E\u003C\u002Fp\u003E\" data-offerurl=\"https:\u002F\u002Fwww.webull.com\u002F\" data-offermerchant=\"Webull\" data-techobjectinfo=\"{}\" data-usemonetization=\"true\" data-usepricing=\"true\"\u003E\u003C\u002Fdiv\u003E\u003Cp\u003EWhile researching your trading options, be sure to check out our expert recommendations for the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-crypto-app\u002F\"\u003Efive best crypto apps\u003C\u002Fa\u003E and the \u003Ca href=\"https:\u002F\u002Fwww.zdnet.com\u002Farticle\u002Fbest-investment-app\u002F\"\u003Efive best investment apps\u003C\u002Fa\u003E. \u003C\u002Fp\u003E\u003Cdiv data-shortcode=\"pinbox\" 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