How the Knack Tutoring App Became a Booming Startup

Samyr Qureshi and his friend Dennis Hansen turned an idea they had in their early 20s into an app that matches college students with student tutors on campus. The app, Knack, turned into a start-up that landed them on the 2020 Forbes 30 under 30 list, which highlights the country’s top innovators.

Knack is now used on more than 24 college campuses around the country. It became even more in demand as students went online during the pandemic and is being used for K-12 education as well.

“COVID definitely accelerated the need for campuses to provide this sort of service,” Qureshi said recently in an interview.

Initially students paid for their tutors, who set their own price, and Knack took a 2.9 percent cut. But as the app spread to more than 60 college campuses, leaders at a few universities were so impressed with the help students were gaining through Knack, they wanted to make it accessible to everyone at no charge.

The colleges started paying Knack an annual fee and paying tutors an average of $15 an hour. Having fewer big payors proved better than taking a cut from thousands of individual tutors. So, the company changed its business model. Most students at all partnered campuses are using the platform for free.

As it has grown, Knack is now valued at 20 times more than at its 2015 founding.

Qureshi, 28, knows about the benefits of tutoring from both sides of the desk. He attended St. Petersburg College in Florida and entered the University of Florida with 73 credits. He excelled, worked as tutor himself and landed jobs at Apple, then Gartner, Inc. after graduating.

While at Gartner, a leading information and technology research company, he learned from his mother that he had actually struggled with learning as a young child. English was his second language since he moved to the United States at age 6 from Dubai. She had found tutoring to help her young son.

“When she told me this, it helped me understand the value and benefit of one-to-one tutoring,” Qureshi recalled. “At the same time Uber and Airbnb were really taking off.”

He talked with Hansen about how college students should have easier access to tutors. The idea of connecting students who needed help with students who were successful in the same course was born. They called their project Knack and set about creating an app.

The Knack App founder poses for a portrait against a painting depicting the magic school bus.
Samyr Qureshi, co-founder of Knack app, was reminded of the importance of tutoring after his mother told him the story of hiring a tutor to help him learn English as a second language when he was a child. The Knack app allows student tutors and students needing help with a course to connect easily. Chris Zuppa/The Penny Hoarder

Qureshi quit his job and joined Hansen at UF’s Gator Hatchery, an incubator that offers students workspace, office support, mentors and other resources for startups.

“I was living off of my savings and pretty much poured everything I had into Knack,” he said.

David Soker, who had a master’s degree in electrical and computer engineering and knew how to build apps, joined the team. He’s also a co-founder and now Chief Technology Officer at Knack.

“We intentionally put our team together to have engineers,” Qureshi said. Paying an outside company to build the app would have easily cost six figures.

They launched the beta version of Knack in late 2015. Students using it at UF and the University of Central Florida in Orlando proved the founders’ belief that there was a high demand for student-to-student tutoring. The users also offered critiques and tips for making the app better.

In 2016, Knack won first place and $25,000 cash in UF’s Big Idea Business Plan Competition. It was time to really launch the business and move out of the Gator Hatchery. They won a few grants and got investments from friends and family. These efforts plus the $25,000 prize gave them about $75,000 when they started Knack in office space in downtown Tampa. Qureshi worked part-time delivering cookies and some of the other co-founders had full-time jobs while also working at their startup.

They ran digital ads and started marketing the app to students on numerous campuses to recruit tutors and clients. The most effective way to do this was to hire campus ambassadors to represent Knack at college events around the country and gather small groups to learn about it.

“We recruited them cold from job postings and interviewed them then hired them,” Qureshi said. “We gave them $300 to $500 a month and a list of tactics that we had tested at UF: ‘Go buy pizza and entice some students to come hear about it.’”

An Indian woman with long brown curly hair poses for a portrait in front of a sign that says grow together. She's a tutor who found tutoring jobs on Knack, a mobile app.
Sonia Duraimurugan is an MBA student at the University of South Florida who used the Knack app to make money as a tutor. Chris Zuppa/The Penny Hoarder

At the same time, they were expanding the app, they were finding more people to invest in the company.

“The (Big Idea) contest put us a bit on the map,” Qureshi said. “There were really great judges who said we should come out to San Francisco and meet some folks.” They did, and secured some West Coast investors.

In Tampa, Qureshi joined a downtown business incubator he found by searching Google. A mentor in the incubator invested in the company and connected him to Jeff Vinik, owner of the Tampa Bay Lightning NHL hockey team. Vinik has also headed successful investments funds and is a philanthropist who has given millions of dollars to education. He invested in the company as did others.

“We initially raised about $1 million in capital from the Tampa Bay area,” Qureshi said.

His advice to college students or recent grads who have an idea that could turn into an app or a business, is to “go for it.”

“We were pretty naive and that gave us some pause. I was a pre-law student so I didn’t have any business experience. The majority of our team did not study business,” he said. “We learned a lot from mentors. We were srappy, scraping up dollars where we could.”

Katherine Snow Smith is a freelance editor and reporter in St. Petersburg, Fla., and author of Rules for the Southern Rulebreaker: Missteps & Lessons Learned.

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Source: thepennyhoarder.com

Wismo Review – An App to Organize & Share What You Spend Money On

Wismo Budget is a lightweight mobile budgeting app that takes two forms: a free version and a paid version that more than justifies its modest price. We’ll dive into the differences between the two in the Key Features section.

Getting Started With Wismo Budget

To get started with Wismo Budget, you’ll need to provide your name, email address, and phone number. You’ll then create a username that doesn’t contain personally identifiable information, such as your first and last name or your home address.

Next, you’ll answer some basic questions about your personal finances, covering your monthly income, housing costs, and transportation costs.

Once you’ve done that, you’ll land on your app’s dashboard, which lays out:

  • Your initial Personal Spending Index (more on that below)
  • Your recurring spending based on your answers to the initial questions
  • Your daily budget based on the information you’ve provided so far
  • Your daily spend, which starts at $0 and increases as you enter transactions

Adding Income & Expenses

Now, you’re ready to begin tracking your spending for real.

Daily Spend

On the main dashboard, use the “+” button to add a new one-time transaction. Snap a picture of the transaction receipt, if one exists, then enter the amount and spending category. Or, simply enter the amount of the transaction and its category.

Use “custom” for debit and credit card transactions that don’t neatly fit into preset categories such as “getting around” and “services.” For more detail, you can add the payee’s name and notes about the expense.

When you’ve entered all of your expenses, click “Close the Books” to get your final spend tally for the day and see how it compares with your daily budget. Your daily budget is your monthly income minus recurring expenses, divided by the number of days in the month.

An important word of warning: Wismo shares what you spend money on (your debit and credit card transaction amounts and categories) with other users. In other words, your fellow Wismo users will see that you spent $50 on “fun.” However, this information is anonymized and doesn’t include payee details. Other users will only see your username, not your real name.

Recurring Transactions

You can also enter recurring expenses in about a dozen categories, including housing and transportation, utilities, insurance, subscriptions, health, loans/debt, and savings goals.

Add subcategories for more granular tracking. For instance, your “transportation” category might include fuel, your parking pass, rideshare fares, and public transportation expenses. You can organize expenses however you see fit. If it makes more sense to you to add your car loan under “transportation” rather than “loans/debt,” go for it.

Monthly Income

You can add new income buckets under the monthly income tab. This space gets pretty granular, with categories such as “other jobs,” “support,” “investments,” and “retirement.” Add subcategories to put an even finer point on things – for instance, to track your various streams of freelance income.

Finding Friends & Peers

Use the “Friends” tab to find other Wismo Budget users. You can filter by age, annual income, sex, and occupation to zero in on folks who more or less resemble you. Once you’ve found some users to follow, you can compare your spending habits to theirs as revealed in their public feeds (more on that below).


Key Features

Here’s a closer look at the key features of the Wismo Budget app.

Personal Spending Index (PSI)

Wismo is built around the Personal Spending Index (PSI), a numeric distillation of your cash flow based on your self-reported or verified income and expenses.

The formula is simple:

(Spend ÷ Income) x 100 = PSI

A PSI of 100 indicates that you’re spending exactly as much as you earn. A PSI under 100 indicates surplus income that you can – and probably should – put toward savings, while a PSI over 100 indicates negative cash flow.

For obvious reasons, Wismo recommends keeping your PSI under 100. As long as you’re diligently and comprehensively tracking your income and spending, the app makes that a whole lot easier.

Reports

Wismo Budget isn’t as big on reports as more robust budgeting apps, but it does have some user-friendly visualizations for users who like that sort of thing. Use the Reports tab to visualize:

  • Your total expenses for the month
  • Your daily spending for the month
  • Your recurring expenses for the month
  • Your PSI by month

Public Feed

Your public feed displays other Wismo users’ spending activities in near-real time. The “Everyone” bar is a comprehensive roundup of all non-private users’ spending; the “Friends” bar covers just those you’ve followed. Users are identified by their usernames and avatars.

Remember, if you’re using Wismo’s free version, your spending is visible in other users’ feeds. There’s no way to turn off this feature without upgrading to Premium. Wismo is transparent about its information-sharing practices, advising users to omit obvious clues to their identities from their Wismo usernames. But if you’d still prefer to keep your personal spending under wraps, you may want to consider the Premium version.

Premium Features

When you upgrade to Wismo’s Premium plan, you’ll enjoy these enhanced features.

  • Linked Accounts. Premium users can link financial accounts to Wismo, eliminating the need to enter non-cash transactions manually. Wismo uses bank-grade, 256-bit encryption for security and peace of mind.
  • Privacy Mode. Premium users can set their accounts to Privacy Mode, bypassing Wismo’s social feed feature and rendering their accounts invisible to other users. If you’re leery of sharing financial information, even anonymously, it’s a strong argument for upgrading.
  • Family Plan. Premium users can add up to four family members to track and share expenses together. That’s great for couples who’ve merged their finances and families with income-earning teens and young adults.
  • Ad-Free Experience. Wismo’s Premium version has no ads, reducing the interface’s clutter. As personal finance apps go, Wismo doesn’t feel particularly commercial, but it’s nice to have the option to go completely ad-free.

Wismo’s Premium plan costs less per year than most full-service budgeting apps. That said, it includes features such as Privacy Mode that come standard in some free budgeting apps, such as Mint and its top alternatives.


Advantages of Wismo Budget

Wismo Budget has some notable advantages:

  1. The Free Version Is Totally Free. Wismo Budget’s free version is truly free, with no hidden fees or upsells buried in the interface. As long as you’re willing to tolerate advertising and consent to anonymized data sharing, you’ll never pay a dime out of pocket to use Wismo.
  2. PSI Makes Cash Flow Easy to Understand. Wismo Budget’s Personal Spending Index is a shockingly simple cash flow conceptualization that’s easy for even the most math-challenged to understand. A PSI under 100 means you’re spending less than you earn; a PSI over 100 means it’s time for some strategic spending cuts to get back on track. It’s as close to black-and-white as you can get in the world of money management.
  3. No Need to Disclose Sensitive Personal Information. Wismo doesn’t require users to disclose sensitive personal information, such as Social Security numbers or home addresses, as a condition of use. Indeed, any information you provide to Wismo is anonymized, and linked financial account numbers are protected via bank-grade, 256-bit encryption. Avoid including obvious clues to your identity, such as your first and last name, in your Wismo handle, and no one will ever be the wiser.
  4. No Obligation to Link Bank Accounts or Transfer Funds. Wismo’s Premium users can link bank accounts to the app for a more seamless, hands-off money management experience, but they’re under no obligation to do so. That’s a big advantage over budgeting apps that require – or aggressively nudge – users to take this step. Even with Wismo’s top-shelf encryption, it’s reasonable for users not to want to give yet another third-party app access to their financial accounts. Wismo clearly respects that.

Disadvantages of Wismo Budget

Consider these potential drawbacks carefully before using Wismo – and certainly before upgrading to Premium.

  1. The Free Version Contains Advertising. Wismo’s free version contains ads. In practice, these ads don’t adversely affect the user experience, but they’re still present and unavoidable unless you switch to the paid plan. If you’re not too interested in the paid plan’s other perks, you may not want to upgrade solely to eliminate ads.
  2. Not As Robust As Some Other Budgeting and Spending Apps. Wismo is a pretty lightweight app. That’s great for consumers interested mainly in tracking and controlling spending, but not so great for serious budgeters seeking deep insights into their spending patterns and personal finances.
  3. No Desktop Version. Wismo is a mobile-only app. It’s not compatible with large-screen devices, such as laptops and desktops. If you don’t own a smartphone or prefer to manage your personal finances on a device with an actual keyboard, Wismo isn’t for you.
  4. Other Wismo Users Can See Your Financial Details in the Free Version. To use Wismo’s free version, you must permit the app to share all the financial information you enter with fellow Wismo users. Wismo only shares information anonymously and uses bank-grade encryption to keep account numbers from falling into the wrong hands. Still, Wismo’s open-source approach is sure to give some prospective users pause. Don’t feel bad if you’re among them.

Final Word

Not everyone enjoys budgeting. Managing a traditional household budget is a labor-intensive task involving lengthy spreadsheets with categories galore and cells for every transaction. Modern budgeting apps streamline the process a bit, but they still require time and effort to maintain with any accuracy.

Fortunately, having a formal household budget isn’t a prerequisite of fiscal responsibility. I know a few financially savvy folks who’ve sworn off budgeting yet still manage to spend less than they earn and save for the future.

Wismo Budget is different enough from other budgeting apps to attract folks who can’t be bothered with traditional budgets. Wismo is lightweight, intuitive, and fun to use – perfect for those with no patience for graphs, spreadsheets, and the other trappings of hardcore budgeting apps.

Whether you’ve attempted budgeting or know you don’t enjoy it, give Wismo a try. You might be surprised by the experience.

Source: moneycrashers.com

$16.9M French Provincial Mansion Near NOLA Is Louisiana’s Most Expensive Home

Now on the market for $16,895,000, a mansion built to the most exacting specifications has achieved the distinction of being Louisiana’s most expensive home.

Owned by Shane Guidry, CEO of Harvey Gulf International Marine, and his wife, Holly, the house on Northline Street in Metairie, LA, just outside New Orleans, is a 15,230-square-foot French Provincial masterpiece.

“It took him three years to design and build this, and they used the most high-end products in this house that you may ever come across,” says the listing manager, Peggy Bruce, who is working with the listing agent, Shaun McCarthy.

“It’s an outstanding home. When you think of luxury, this is what that entails,” she says.

For starters, to make sure there was enough marble for the ground floor and that all the marble matched, the Guidrys bought the entire quarry in Italy.

“It’s 24-by-24 marble flooring that is just luxurious. The veins are just beautiful, and it all just kind of flows together, because it all came from one quarry,” says Bruce.

Exterior
Exterior

Nola Real Estate Marketing and Photography

Entry
Entry

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Entry
Entry

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Interior
Interior

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Living space
Living space

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Master bathroom
Master bathroom

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Closet
Closet

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Quite apart from its ultra-sleek appearance, the marble flooring is heated in the first floor master bedroom and bathroom.

“In the master bathroom, it’s a walk-in shower, and there’s a clawfoot soaking tub in the front of the shower,” Bruce says. “The walk-in has two entrances and four shower-heads. It’s got hand-carved mosaic tile in the shower.”

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Watch: This Ghirardelli Family Home Is a Feast for the Eyes

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In the master closet and elsewhere in the home, the cabinet hardware is solid silver.

“It’s tremendous. Everything was hand-milled and hand-carved—custom-done,” she says.

The enormous kitchen offers an array of custom cabinetry, a chandelier, and a large island with plenty of room for seating.

Kitchen
Kitchen

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Kitchen
Kitchen

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Kitchen
Kitchen

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Kitchen and dining area
Kitchen and dining area

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Bathroom
Bathroom

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Bedroom
Bedroom

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Bedroom
Bedroom

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Bedroom
Bedroom

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The mansion in the town’s Metairie Club Gardens neighborhood has a total of six bedrooms, seven bathrooms, and four half-bathrooms, all with tall ceilings. In the entry, the ceilings are 24 feet high.

“It’s dramatic,” Bruce says, adding that the owners purchased many antique fixtures in Europe and brought them back, rewired them, and included them in their design.

“You go into a lot of homes that look like this on the outside, and you expect the inside to be a little gaudy,” she says. “This is so tastefully done. It is beautifully appointed. Everything just flows perfectly.”

Home theater
Home theater

Nola Real Estate Marketing and Photography

Home theater
Home theater

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Gym
Gym

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Many of the home’s features are connected to automated technology, and can be controlled via a mobile device or remote, including the home theater.

Bruce explains that it has leather seats for 15 people and includes a digital ceiling that can be set either to clouds, or to the night sky, with twinkling stars.

Spa
Spa

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Spa
Spa

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Spa
Spa

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Shower
Shower

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There’s also a full spa with a massage room, wet and dry saunas, and hair and nail stations.

Canine friends can enjoy an indoor dog home and washing station.

Outdoor space
Outdoor space

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Outdoor space
Outdoor space

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Outdoor space
Outdoor space

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Outdoor kitchen
Outdoor kitchen

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Outside, there’s a large outdoor kitchen, along with a petite pool.

“It’s a cocktail pool”—a small pool with steps, Bruce explains. “It’s not very deep at all. It’s really for just lounging and sipping cocktails or just kind of cooling off if it’s a hot summer night or summer day.”

In addition to the three-car garage, there’s room to park a variety of vehicles on the half-acre property.

Bedroom
Bedroom

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Bedroom
Bedroom

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Living space
Living space

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The owners purchased the land in 2011 for $1.2 million, and Bruce says they poured at least $15 million into building this dream home. But times change, and the family is moving out of town to pursue other interests.

“I think the perfect buyer for this home is someone that values being in the New Orleans area and understands what went into this house—because it is a hefty price,” Bruce says.

The pool of buyers looking for this type of home in the New Orleans area is not large, and Bruce says the future owner might be someone from out of town.

“Beyoncé put a play on this house a few years back, and the owner wasn’t interested in selling at that time,” she says. “We have tried to reach out to Beyoncé using some connections we have, but haven’t received a response yet.”

Bedroom
Bedroom

Nola Real Estate Marketing and Photography

Living space
Living space

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Wine room
Wine room

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Living space
Living space

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Interior
Interior

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Living space
Living space

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Bathroom
Bathroom

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  • For more photos and details, check out the full listing.
  • Homes for sale in Metairie, LA
  • Learn more about Metairie, LA

Source: realtor.com

Is the Orbitz Rewards Visa Card Worth It?

For individuals comparing no-fee travel rewards credit cards, some may be wondering, “Is the Orbitz Rewards® Visa® Card worth it?” There are many cards out there without annual fees, but they’re not created equally, and they don’t all carry a lot of value or the same perks. The Orbitz Rewards® Visa® Card can be a worthwhile option as long as the cardmember fully understands its benefits.

Here’s what you need to know about the card to decide if it’s the right fit for your needs.

Valuable perks of the Orbitz Rewards® Visa® Card

Compared to other no-fee travel credit cards, the Orbitz Rewards® Visa® Card offers potentially more value, especially for individuals who frequently book hotel stays through Orbitz.

Here are some of the top perks of this card:

  • A $0 annual fee and no foreign transaction fees.

  • Earn Orbucks on all purchases made through Orbitz.

  • As an Orbitz Rewards Program member, earn up to 9% on hotel stays booked through the Orbitz mobile app.

  • Included $3,000 lost and stolen baggage coverage when booking with this card.

  • Included accident coverage for death and dismemberment.

  • Get a replacement card or emergency cash advance if your card is lost or stolen.

  • Complimentary Orbitz Rewards Gold status.

The more you use your card to book Orbitz hotel stays, the more Orbucks you’ll earn, and the more you can redeem your collected Orbucks. The redeeming ratio is 1 Orbuck = $1 off a future hotel stay.

A note on the welcome bonus

It’s important to highlight that this card doesn’t offer an impressive sign-up bonus: Receive a $100 statement credit when you spend $1,500 with your Orbitz Rewards® Visa® in the first 90 days of account opening. That low bonus amount is normal for a no-fee card with such a low minimum spend requirement.

Take these steps to get even more value

Using your Orbitz Rewards® Visa® Card strategically by taking steps like these will allow you to maximize its value.

Join the Orbitz Rewards program

If you’re not already a member, join the Orbitz Rewards Program. As you spend and earn Orbucks, you’ll simultaneously be pursuing the next level of elite status, Platinum. It only takes stays for 12 nights in a year to reach this tier. At the Platinum level, you’ll have access to perks like $50 Orbucks reimbursement on expenses like seat upgrades or bag fees, the ability to apply for TSA Precheck for free, and free room upgrades and early check-in (when available) at VIP Access properties.

Use the app

Always book your stays through the Orbitz app instead of the website to get a higher rate back. As an Orbitz Rewards Program member, you’ll earn 9% back in Orbucks by booking through the app, versus 8% when booked on orbitz.com. That difference can add up, especially on expensive stays.

Spend primarily on hotel stays and activities

Focus on using your card for hotel stays and activities booked through the Orbitz app to get the 9% back. While you will earn Orbucks for flight bookings and travel packages, you’ll earn only 7% on these purchases.

You can also use the Orbitz Rewards® Visa® Card for everyday spending. Using your card to pay for daily expenses rather than using cash or a debit card can earn you 2% back in Orbucks. Spending categories include restaurants, groceries, services and more.

Nerd tip: Consider using other cards in your wallet to cover everyday expenses if they get more points per dollar spent in certain spending categories.

Don’t let your Orbucks expire

Make sure that you use your card for a purchase at least once every 12 months. If you do this, your Orbucks will never expire.

The bottom line: Who is a good candidate for this card?

This card’s earning potential is significant if you’re already used to booking through Orbitz — especially when booking hotels through the app.

It’s a good option for individuals who want a card with earning potential, but don’t want to commit to one with an expensive annual fee. Further, if you’re not loyal to a particular hotel brand/chain and prefer staying in hotels to home rentals, having the Orbitz Rewards® Visa® Card can make sense. Use it to book your hotel stays through the mobile app to get rewarded even more for your hotel purchases.

If you’re looking for a travel rewards card with more perks or value or one that doesn’t require you to book through Orbitz, this may not be the card for you.

How to Maximize Your Rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2021, including those best for:

Source: nerdwallet.com

How to Clean Out Your Cellphone Bill Clutter

Photo by TeodorLazarev / Shutterstock.com

Do you ever look at your cellphone bill and wonder, “Why am I even paying for all this extra stuff?”

Maybe you pay for unlimited data and you only use a few gigabytes of data every month. Or maybe you pay extra for a streaming subscription you never use.

Here are a few tips to clean out your cellphone bill and make sure you don’t pay for things you don’t need.

Review your cellphone plan

You should always start by checking what cellphone plan you currently pay for. Your cellphone bill should clearly state what plan you use and the associated costs. Here’s an excerpt from my AT&T bill for reference:

Phone bill example
Tyler Abbott / Money Talks News

You can see that my family and I use the Mobile Share Value 20GB plan, and it costs us $110 a month for that plan. Considering we rarely hit our data cap every month, it feels safe to assume that this limited-data plan works for us.

You should check and see if your data plan makes sense for your data usage. If you feel like you don’t use much data, you could consider reverting to a limited data plan that will cut your bill down.

Likewise, if you’re racking up fees because you go over your monthly data allotment, switching to an unlimited plan will likely save money in the long run.

Check whether you’re still paying off your phone

If your cellphone bill feels too expensive, there’s a good chance it has something to do with your smartphone device. Most wireless providers bundle your phone payment in your cellphone plan bill.

It can be easy to forget that you still have payments left on your phone even a year after you ordered it. Here’s another example from my cellphone bill:

Phone bill example
Tyler Abbott / Money Talks News

You can see that I’ve still got nine payments left before I officially pay off my iPhone XR. It adds an extra $26.67 to my bill every month, which nearly doubles my total.

It’s possible that your cellphone bill inflates due to your device payment as well. Hopefully, you’re close to paying off your phone completely, and you can cut your cellphone bill even lower.

Make sure you don’t pay for anything extra

Lastly, the third way your cellphone bill can subtly increase is if you’ve got any extra features attached to your cellphone bill.

Make sure to read through your bill and check if you see anything about a streaming service, international data add-on, or any extra hotspot data.

Basically, if anything looks out of the ordinary, there’s a chance an extra feature has been added to your cellphone plan that you don’t want to pay for.

Here’s an example of something I would look for in my bill:

Phone bill example
Tyler Abbott / Money Talks News

If there were any fees associated with “International Roaming,” I would know something was up with my cellphone bill.

I haven’t left the country, nor has anyone in my family plan, so any charges associated with that would be a big red flag for me to get in touch with a customer service rep and get the charge refunded.

When in doubt, check your cellphone bill, scan through your itemized receipt and make sure nothing looks fishy. Don’t feel afraid to chat with a customer service rep to clarify any charges on your bill.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Source: moneytalksnews.com