Retirement Comfort: How to Avoid Running Out of Money

Nowadays, we’re all living longer, and those life expectancy numbers are only going to rise. With people living up to three or four decades in retirement, it’s crucial you have enough money to enjoy all your retirement days. What do you do if you run out of money?

There are many ways people can run out of money, but there are some easy ways to avoid that.

Write Out Your Retirement Plan (and Check It Often)

The No. 1 question we get as financial experts is: Will I have enough money for retirement? No one wants to outlive their money, so our first piece of advice is to make a plan. Having a comprehensive plan before you head into retirement can save you headaches down the road.

To create a retirement plan, you need to answer some basic questions:

  • What are your income needs?
  • Do you have any additional income sources?
  • Will you have a shortcoming in your income needs?
  • If so, what resources will you have to address those shortcomings?

A financial adviser can help you answer those questions and start putting a plan in place. Having that retirement professional helps you identify your needs now and in the future.

Invest Your Money in the Right Place

An important part of your retirement plan is deciding where to invest your money. This is one of the reasons why when we are putting a retirement plan together, one of the first things we look at is our clients’ risk tolerance. This is one of the most important things to know before investing. If you are taking more risk than you are comfortable with and the market declines, you may panic and make a costly decision. Remember that an investment that works for one person may not be a good investment for you. Talk to a financial adviser to learn your options and what approach best suits your needs.

Don’t Fall Victim to Fraud

Phishing emails and scamming phone calls are becoming more and more common. This is especially true for those already in retirement. People are trying to take advantage of our older generations. On average, senior citizens lose $1 billion a year in scams. All retirees and even those getting close to retirement need to be informed and educated on avoiding scams.

First and foremost, research any purchase, donation or investment before you jump into it. If an opportunity sounds too good to be true, it probably is. The consequences of falling victim to fraud could be far-reaching. You may think it will never happen to you, but it could. It happens more often than you think. Scammers are getting smarter and more sophisticated, especially with all of our information online.

If you are scammed or fall victim to fraud, you may not know it until it is too late. Always be proactive as opposed to reactive. Trust your gut, be concerned, and ask lots of questions. Don’t make a quick decision on your own. Always ask your financial planner if this financial decision is a smart one. 

Have a Budget and Stick to It

When most people get to retirement age, they want to maintain the same standard of living they have gotten used to. Having a budget can help get you there. While many of us may think of this as a simple step, it is surprising how many people do not have a budget.

Begin your budget planning by tracking all of your expenses. This will help you see where every single dollar is going. Start tracking your income, where it is coming from and exactly how much is coming in on a monthly basis. After tracking your income, make sure that your expenses are less than your monthly income. If they aren’t, find a way to cut back on some expenses. This budget will help you determine how much money you need on a monthly and annual basis to support the lifestyle you want and to help you continue that into retirement.

A budget is a helpful tool on your journey of financial planning. But also make sure you have an emergency fund set aside. We saw how crucial this was for many people at the height of the pandemic. Try to have at least three to six months of expenses in that fund should you lose your job, experience car trouble or have an emergency house repair.

No matter how close or far you are from retirement, you want to make sure you will have enough money. Don’t be afraid to ask your financial planner what you need to do. You want to continue living the lifestyle you have become accustomed to well into your golden years, and achieving that starts with a plan.

Founder & CEO, Drake and Associates

Tony Drake is a CERTIFIED FINANCIAL PLANNER™and the founder and CEO of Drake & Associates in Waukesha, Wis. Tony is an Investment Adviser Representative and has helped clients prepare for retirement for more than a decade. He hosts The Retirement Ready Radio Show on WTMJ Radio each week and is featured regularly on TV stations in Milwaukee. Tony is passionate about building strong relationships with his clients so he can help them build a strong plan for their retirement.

Source: kiplinger.com

Renting a Furnished Apartment: Pros and Cons to Think About

Whether you’re a first-time renter or you’re renting your next apartment in a new city, the process of finding an apartment is difficult. From scouting out the perfect location and finding an apartment that fits all your needs to buying furniture and decorations for your new apartment, the entire moving process is stressful.

Then, there’s the question of renting a furnished apartment or an unfurnished apartment in the first place. If you’re considering a fully furnished apartment as your next place, here’s everything you should know about furnished apartments.

Furnished apartment

What is a furnished apartment and what do fully furnished apartments include?

There are three different types of furnished apartments and you may wonder exactly how much furniture comes in a furnished apartment?

There are fully furnished, furnished or semi-furnished apartments. You can find furnished apartments in all apartment sizes — from a studio apartment to a two-bedroom apartment or even, sometimes, a house. Each type of finished apartment can come equipped in a variety of ways.

Fully furnished apartments are move-in ready and can include all your basic heavy furniture, such as a bed, couch, dining room table, bathroom appliances, coffee table and dressers. However, they also go above and beyond and might include amenities like interior design and décor, basic kitchen appliances and, sometimes, even a washer and dryer.

Furnished units usually include basic needs like a bed, end tables, chairs, a microwave and a couch. Some might include more or less but it really depends on the landlord or property owners.

Semi-furnished apartments have fewer items included than furnished apartments. They still come with the basic needs including a bed, couch and some kitchen appliances but you’ll get fewer amenities in something labeled “semi-furnished.”

Before you decide on which apartment to rent, ask the landlord for an apartment tour or even reach out and ask the tenants if they enjoy living there.

Pros of renting a fully furnished apartment

As with anything, there are pros and cons to renting furnished apartments. So, here’s a list of the pros and cons to consider to make it easier to rent your perfect apartment.

moving

Moving is easy

Moving from an old apartment to a new one is time-consuming. There’s so much to get done from boxing up all your belongings to then hiring a moving company or enlisting your friend’s help. You no longer have to worry about moving heavy furniture when you rent a furnished apartment.

Lower upfront costs

If you’re looking to save money upfront, then a furnished apartment might just be for you. With a furnished apartment, not only do you not have to worry about moving furniture, but you don’t have to spend extra money buying your own furniture just yet.

Furniture is expensive and takes a long time to accumulate, leaving you with a semi-furnished apartment for a while. A furnished rental eliminates the additional costs of furniture and saves you more money upfront.

Short-term rental

Renting an apartment is a big commitment you shouldn’t take lightly. If you’re unsure about how long you’ll be in one place, consider moving apartments to a place ready to go.

A business person, college student or someone who only wants to stay in a place for a few months are good candidates for short-term rentals. If this sounds like you, then pre-furnished apartments are great for short-term tenants.

stress

Reduce stress

Renting a new place is stressful, to say the least. Then, add in all the other tasks that go into moving, from filling an empty apartment with new furniture to learning your new neighborhood. A furnished apartment can help to reduce some of the big stresses that come with moving.

Cons of renting a fully furnished apartment

With every pro, there’s a con and a furnished apartment is no exception. Here are the cons of furnished apartments that you should consider before moving.

Higher rent fees

If you already own furniture or are fine to pay for new furniture, then renting a fully furnished apartment is a bad idea. Renting a furnished apartment typically comes with higher monthly rent and a higher security deposit. The higher rent prices are due to the fact that you’re not only paying for the space but also the furniture in the apartment.

If you’re renters who plan on planting roots in one place for more than a few months, then this could be one of the bigger cons of furnished apartments to consider. In the long run, renting unfurnished apartments might actually save you money. If you’re looking to buy your own furniture but on a budget, then second-hand furniture is a great option to fill your unfurnished apartment. And over time, you’ll save the extra money that you would have had to pay for rent. This is something that future tenants should take time to consider and budget out which option is best for them.

cheap furniture

Poor quality and lack of personality

Another con of furnished apartments is you don’t know the quality of the furniture. It could be old, damaged or even dirty from previous renters. You should talk to the landlord and ask about the quality and maintenance of the furniture before you rent.

You may not like the furniture in the house or it isn’t your taste or have the amenities you’re looking for, either. And while you can add little touches here and there, it’s important to live comfortably in your space and furniture does contribute to that.

Fear of damages

It’s one of the fears all renters have — damaging the apartment, or in this case, the furniture in the apartment. Damaging your own furniture is bad enough but damaging the furniture in your furnished apartment is even worse and can result in fees. If you spill or your pooch decides the couch is their new chewing toy one day, that could mean you’ll get charged or even lose your security deposit.

This can make you feel like you’re walking on eggshells in your own apartment and is something you should really think about before you rent. It’s also a good idea to ask your landlord about their specific damage policies. This will help you also avoid rental scams.

To rent furnished or not to rent furnished

Renting a new apartment is a big moment in life for anyone. Whether you decide to rent a furnished or unfurnished apartment, you’ll finally have a space that’s all your own. A furnished rental is a great option for people who don’t own enough furniture, people who are short-term renters or people who aren’t committed to a new location. Talk to your landlord about the furnishings included if you go this route.

Source: apartmentguide.com

Financial Stocks – What They Are & Why Should You Invest in Them

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The financial sector is one of the darling sectors on Wall Street for good reasons. Financial stocks are known for steady, reliable growth that outpaces the rate of inflation. At the same time, the sector comes with some of the best dividends on the market.  

Perhaps that’s why two of the largest holdings in the legendary value investor Warren Buffett’s portfolio are in the financial sector. 

But what exactly are financial stocks, what are the pros and cons of investing in them, and how much of your investment dollars should you allocate to the sector? Read on to find out!


What Are Financial Stocks?

The financial sector is a broad category of companies that work in the financial services industry. The sector includes:


You own shares of Apple, Amazon, Tesla. Why not Banksy or Andy Warhol? Their works’ value doesn’t rise and fall with the stock market. And they’re a lot cooler than Jeff Bezos.
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  • Retail and Commercial Banks and Lenders. Banks and lenders offer deposit accounts like checking and savings accounts and loans like mortgages and auto loans. Two of the most popular companies in this subcategory include Bank of America (BAC) and Wells Fargo (WFC). 
  • Asset Managers and Investment Banking Services. Brokerages, investment banks, and other companies that provide services surrounding the management of assets fall into this subcategory. Some of the most popular players in this corner of the financial sector include JPMorgan (JPM) and Morgan Stanley (MS). 
  • Credit Card Companies. Credit card companies, also known as card issuers, offer revolving loans that can be accessed at the point of purchase using a credit card. Some of the most popular players in this space include Citi (C) and American Express (AXP). 
  • Fintech Companies. Fintech companies blend finances with technology to provide services that make managing your finances easier. Some of the most popular fintech players include Block (SQ) — previously Square — and PayPal (PYPL). 
  • Insurance Companies. Insurance companies that provide health, life, auto, home, and other forms of insurance fall into the financials category. Metlife (MET) and Humana (HUM) are some of the most popular insurance stocks. 

Pros & Cons of Financial Stocks

As with any other sector, there are advantages and disadvantages to investing in the financial sector. Although the sector is known for stable growth and dividends, it’s not the best option if you’re looking for market-leading price appreciation. Some of the most important pros and cons to consider before investing in the space are detailed below.

Pros

The financial sector offers a relatively low-risk way to access stable growth and dividends, but that’s not the only perk of investing in the sector. Some of the biggest advantages of financial stocks include:

  1. Lower Risk. The financial sector comes with lower risk than some other sectors like technology and health care. This stability has improved significantly in recent years. According to Davis Funds, the largest U.S. banks are now holding record volumes of cash on their balance sheets thanks to lessons learned during the financial crisis of 2008. Stock prices tend to be more stable in the sector as well. 
  2. Dividend Income. Financial stocks are known for providing strong dividend payments. As of mid-2022, the sector produced a 3.11% average dividend yield, according to Dividend.com. 
  3. Strong Growth When Interest Rates Rise. Banks make more money when the Federal Reserve increases the Fed funds rate. As inflation rises, the Federal Reserve has hinted at steady increases throughout the foreseeable future, which suggests bank stocks are worth your attention. 
  4. Outpace Inflation. Historically, financial sector investment returns have significantly outpaced the rate of inflation, making them a great inflation hedge.  

Cons

Although there are plenty of reasons to consider diving into financial stocks, there are also a few big drawbacks that you should consider before taking the plunge. 

  1. Financials Aren’t Strong Growers. Financial stocks are known for steady growth, not necessarily strong growth. If you’re looking for growth stocks, you may find a few in the fintech space, but growth investors will be better served by stocks in the tech sector.  
  2. Lower Earning Potential When the Fed Funds Rate Is Low. Although the Federal Reserve has hinted at increasing its rate ahead, the rate is currently below 1%. This low rate means companies in the sector, particularly lenders, have limited revenue potential.  
  3. Lack of Excitement. The best investments are educated investments, meaning you need to research opportunities to be successful in the market. Unfortunately, the financial sector isn’t sexy like technology and biotechnology is for most people. The research process to evaluate financial companies may be daunting for some investors.

Should You Invest in Financial Stocks?

Financial stocks fit well into most investment portfolios. Even aggressive investors who seek to beat the market find them useful as a means of diversification. Nonetheless, there are some investors who won’t find diversification with these assets beneficial. 

You might be a great candidate to invest in financial stocks if:

  • You’re an Income Investor. The financial sector is known for providing some of the strongest dividends on the market today. So, income investors benefit from the outsize dividend yields that come with investments in some of the most established companies in the industry. 
  • You’re Risk-Averse. If you have a low to moderate appetite for risk, financial stocks may be a great home for your investment dollars. These stocks are known for relatively low volatility when compared to stocks in other sectors, and most banks have beefed up their cash and cash equivalent holdings since 2008, making them a force to be reckoned with on the financial stage. 
  • You’re an Aggressive Investor Who Needs Balance. If you’re an aggressive investor who wants to beat the market, chances are you’ll want to invest most of your assets in other sectors. However, you can use financial stocks as a way to diversify your holdings and reduce the overall risk in your portfolio. 
  • You’re a Beginner. If you’re a beginner investor, it’s best to stick with large, safe companies that you know and do business with before venturing into other investments. Financial institutions often fit this bill. In fact, one of the best first investments you can make is often an investment in the stock of the bank you use. That is, as long as you work with a major financial institution. 

How Much of Your Portfolio Should You Allocate to Financial Stocks?

The amount of allocation you should direct to the financial sector is heavily dependent on your goals and risk tolerance. Here’s how you should decide how much to invest in financial stocks: 

  • Your Goals. Your goals play an important role in determining the best style of investing. If your goals include producing slow, yet meaningful and stable gains while generating income from your investments, the financial sector is a great place to start. Consider allocating a large portion of your stock portfolio to stocks in the sector. However, if you want to produce market-leading gains and you’re not so concerned about income, minimal allocation to financials is best. 
  • Your Risk Tolerance. Financial stocks experience less volatility than stocks in other sectors and are known for maintaining a hefty sum of cash on their balance sheets. As a result, they’re relatively low-risk plays. If you have a low-to-moderate risk tolerance, a large allocation to financials fits the bill. However, if you have a moderate-to-high risk tolerance, you may want to keep allocation to the sector to a minimum. 
  • Your Need for Investment Income. Financial stocks are a great option for retirees because they’re known for high dividend yields. Financial stocks are a great option if you depend on the income your investments generate. So, if you’re a retiree, a heavy allocation to this sector is warranted. 

Don’t forget your safe-haven allocation. Fixed-income investments, gold, and other safe havens protect you from significant losses when stocks take a dive. So, always keep safe havens in mind when determining your portfolio’s asset allocation.  


Consider Financial ETFs

If you don’t know how to research and maintain a balanced portfolio of stocks or don’t have the time to do it, you have another option. You can invest in financial exchange-traded funds (ETFs).  

These funds collect investment dollars from a group of investors to purchase financial stocks and other securities. When the stocks rise in value, investors share in the price appreciation. Moreover, when the stocks held in the fund’s portfolio pay dividends, shareholders receive their share of dividends based on the number of ETF shares they own. 

The best part is that financial ETFs are managed by professionals yet very inexpensive to tap into. With a little research on the best performing funds in the financial sector, you can take a largely hands-off approach to financial sector exposure. 

The best financial ETF for you depends on your investment goals. Popular financial ETFs on the market today include the Financial Select SPDR Fund (XLF), the Vanguard Financials ETF (VFH), and the SPDR S&P Regional Banking ETF (KRE). 


Final Word

Financial stocks are a great addition to just about any investment portfolio. If you’re an income investor or a risk-averse investor, you’ll enjoy the relatively stable price appreciation and meaningful dividends in the financial sector. If you’re a more aggressive investor who’s interested in growth, financial stocks are a great way to bring balance to your portfolio through diversification. 

It’s no wonder that nearly every investing mogul from Warren Buffett to George Soros seems to have at least some allocation to the sector. 

Financial stocks tend to do best when economic conditions are positive and interest rates are on the rise. As of mid-2022, that seemed to be the case. Consumer prices are rising, and the Federal Reserve has hinted at coming interest rate hikes that will bode well for financial corporation profitability. This suggests financial stocks will head up moving forward.

However, not all stocks in the financial sector are created equal. Some grow while others fall. Some pay dividends while others don’t. Simply put, some are winners and some are losers. Always do your research and get a good understanding of what you’re investing in before risking your hard-earned money. 

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Joshua Rodriguez has worked in the finance and investing industry for more than a decade. In 2012, he decided he was ready to break free from the 9 to 5 rat race. By 2013, he became his own boss and hasn’t looked back since. Today, Joshua enjoys sharing his experience and expertise with up and comers to help enrich the financial lives of the masses rather than fuel the ongoing economic divide. When he’s not writing, helping up and comers in the freelance industry, and making his own investments and wise financial decisions, Joshua enjoys spending time with his wife, son, daughter, and eight large breed dogs. See what Joshua is up to by following his Twitter or contact him through his website, CNA Finance.

Source: moneycrashers.com

SuperRare Review – One-of-a-Kind Digital NFT & Blockchain Artworks

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SuperRare is a non-fungible token (NFT) marketplace founded by John Crain in 2018 and built on the Ethereum blockchain. SuperRare has become one of the top 10 NFT marketplaces based on all-time sales volume, according to Statista. 

SuperRare isn’t like most other NFT platforms you’ll find online. Although all marketplaces claim to focus on crypto art, many of the digital assets they sell are highly pixelated, computer-generated works that would have never passed as art before the NFT boom. 

That’s not the case with SuperRare. The platform is centered around the artistic value of NFTs and doesn’t offer access to any collections of multiple similar pieces. All NFTs you’ll find on the platform are truly one-of-a-kind digital artworks. 

Key Features of SuperRare

When you sign up for SuperRare, you’ll have access to several features. Some of the most appealing to NFT enthusiasts include:

Straightforward Pricing

SuperRare’s fee structure is simple. There are two transaction fees charged:

  1. The Buyer Fee. The buyer will always pay a 3% buyer fee when making a purchase on the platform. 
  2. Primary Sale Fee. The first sale of an NFT is known as the primary sale. The platform retains 15% of the sale price on all primary sales, leaving 85% of the sale price for the artist. Keep in mind that this fee is only charged on primary sales. You won’t pay fees on secondary sales if you’re the seller.

It’s also important to keep in mind that the platform’s fees aren’t the only fees you’ll pay when buying or selling NFTs. Blockchains have their own fees, known as gas fees, that are dictated by the demand on the blockchain at the time of the sale. On the Ethereum network, where SuperRare is built, gas prices can be as low as a few bucks but have been as high as hundreds of dollars in ETH.

The best way to make sure you pay the lowest gas fees possible is to time your trades when the market is less active. There’s less demand on the blockchain at night or early in the morning. So, there’s less demand on the blockchain during these times. As such, making NFT transactions during these times could give you significant savings on gas fees. 

Built on the Ethereum Blockchain

Although Bitcoin may be the most popular cryptocurrency in the world, Ethereum is the most actively developed blockchain. Blockchains are decentralized systems that store data in smart contracts, making it possible to validate transactions and verify ownership. 

As with any technology, there’s a major benefit to using the most actively developed options. SuperRare runs on the Ethereum blockchain, meaning the NFT exchange is built on a blockchain that’s proven itself to be reliable, secure, and accessible. 

Buy Art That Isn’t Listed for Sale

SuperRare’s website displays some digital artworks for sale and others that don’t seem to be. However, everything’s for sale for the right price, and the platform makes it possible to make an offer, even when assets aren’t “listed” for sale. 

If you find a digital item that’s a must-have for your art collection on the SuperRare platform and it’s not listed for sale, simply use the offer feature. The offer you make will be sent to the verified owner of the piece. The owner then decides whether to take your offer, reject it, or make a counteroffer. 

Compatible with Four Cryptocurrency Wallet Providers

Crypto collectibles must be stored securely in a crypto wallet. The NFT marketplace is compatible with four of the most popular crypto wallets. 

The supported wallet brands include MetaMask, FortMatic/Magic, Crypto.com Wallet, and Argent. 

Focused on Art

If you’re an art enthusiast, the fact that the platform is actually focused on art is a major draw. All NFT providers call non-fungible tokens digital art. But let’s be frank here, a majority of images that are minted as NFTs would never have been considered art in the past. Suddenly, a pixelated image of a punk or one of endless iterations of cartoon apes can be claimed to be artwork worth real money.

There’s a chance for that fad to fade, but real art will always have value. 

The SuperRare platform is where some of the top artists sell their single-edition works. You’ll find the same genres of art you’d expect to see in art galleries and museums. Some of the most popular on the website include realism, photography, and animations. 

No matter what type of crypto art you’re looking for, there’s a great chance the platform has something that’s appealing to your visual sensibilities. 

Automatic Royalties on Secondary Sales

If you’re a collector who buys an NFT, you can resell or relist it as a secondary sale to another buyer. The original creator of the NFT often receives a royalty on this secondary transaction.

Although most NFT platforms offer the option to earn royalties on secondary sales, the option is automatic with SuperRare. Artists automatically earn a fixed 10% royalty on all sales of their art in the secondary market. 


Advantages of SuperRare

The platform is one of the top 10 NFT marketplaces online today, offering a long list of advantages to collectors, artists, and enthusiasts. Some of the biggest advantages of the platform include:

  • Artists Automatically Earn Royalties. Traditional artists usually only make money off of the first sale of original works. As a crypto artist, you’ll automatically earn a 10% royalty on all secondary market sales when using SuperRare.  
  • Built on Ethereum. The Ethereum blockchain is the most popular and most actively developed blockchain in the world. Because SuperRare is built on the leading blockchain, you can expect reliability and stability as you transact. 
  • Own Unique Art. You won’t find copies or collections of pieces that look the same on the platform. All art you come across will be single-run productions designed for individual sale. You can rest assured the art you buy on the platform is unique. 
  • Sellers Don’t Pay Fees on Secondary Transactions. The 3% transaction fee is only charged to the buyer. That means you can resell your NFTs without owing a cut to the platform.

Disadvantages of SuperRare

There are plenty of reasons to consider signing up for SuperRare, but there are also a few drawbacks. The most important to consider are:

  • Gas Fees. Etherium provides reliability and security, but gas fees can be very high during peak demand periods. If you’re an artist or a seller, you pay gas fees when you mint NFTs and when you accept an offer from a buyer. If you’re a buyer, you pay gas fees when you buy fixed-price NFTs.
  • Only Accepts ETH Payments. Most NFT marketplaces accept a wide range of cryptocurrency payments, and some accept fiat-money payments like credit cards and debit cards. Unfortunately, SuperRare only accepts ether (ETH) — the native coin of the Ethereum blockchain — as a payment method. 
  • High Transaction Fee. The 3% transaction fee is high compared to popular NFT marketplaces like OpenSea and Rarible, which only charge 2.5% transaction fees.  
  • No Custom Royalty Settings. You’ll always earn a 10% royalty on secondary sales of your art through the platform. However, other marketplaces allow you to customize your royalty, with some caps as high as 50%. 

How SuperRare Stacks Up

OpenSea is the largest NFT marketplace in the world, so it’s SuperRare’s biggest competitor. Here’s how the two compare:

SuperRare OpenSea
Pay Gas Fees When Minting? Yes No; gas fees are paid only when the NFT sells. 
Payment Methods Ether (ETH) Credit cards, debit cards, and more than 150 different cryptocurrencies. 
Who Pays Transaction Fees? Buyer Seller
Types of NFTs Sold Only single-edition digital artworks.  All kinds of NFTs. 

Final Word

The digital art industry is booming, and many expect it to continue on an upward trajectory. It’s not surprising if you want to get involved. However, SuperRare isn’t a one-size-fits-all solution for everyone. 

The platform is best for you if you’re an artist who produces one-off digital works or a photographer who’s looking for a simple way to bring your work to a mass audience. It’s also a great option if you’re an art collector who wants to find something truly unique. 

If you’re more interested in collections like CryptoPunks, CryptoKitties, and Bored Apes, popular options like OpenSea are your best bet. 

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Earn a $150 cash bonus when you sign up for a new Albert account, receive a qualifying direct deposit, and use your Albert debit card. No monthly fees.

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The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
Joshua Rodriguez has worked in the finance and investing industry for more than a decade. In 2012, he decided he was ready to break free from the 9 to 5 rat race. By 2013, he became his own boss and hasn’t looked back since. Today, Joshua enjoys sharing his experience and expertise with up and comers to help enrich the financial lives of the masses rather than fuel the ongoing economic divide. When he’s not writing, helping up and comers in the freelance industry, and making his own investments and wise financial decisions, Joshua enjoys spending time with his wife, son, daughter, and eight large breed dogs. See what Joshua is up to by following his Twitter or contact him through his website, CNA Finance.

Source: moneycrashers.com