Fioney: Financial Advice for a Changing World
Financial Advice for a Changing World
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Spend Management FinTech Ramp Raises $150 Million

The FinTech startup Ramp has revealed its latest "mega-round." About the round: This week, Ramp announced that it had raised $150 million. The Series D-2 was co-led by Khosla Ventures and Founders Fund. Additionally, new investors Sequoia Capital, Greylock, and 8VC joined existing investors Thrive Capital, General Catalyst, Sands Capital, D1 Capital Partners, Lux Capital, Iconiq Capital, Definition Capital, Contrary Capital, and others in participating in the round. To date,…
man holding a small model house

Lessons From a First-Time Home Buyer: The Worst Parts of Homeownership So Far

As you can probably imagine, making the jump from being a long-time apartment dweller to a first-time homeowner has been drastic. On the whole, the changes have been positive (which is why we chose to buy in the first place). But, of course, there are some downsides too — including some that I didn't really think about ahead of time. With that in mind, I wanted to share some of…
National Small Business Week Virtual Summit logo

SBA and Score Announce Small Business Week Virtual Summit

With National Small Business Week quickly approaching, the U.S. Small Business Administration (SBA) and SCORE have announced a virtual summit event. About the event: On April 30th and May 1st, the SBA and SCORE will co-host the 2024 National Small Business Week Virtual Summit. The special event will feature educational webinars with actionable insights, business resources, networking opportunities, a virtual exhibitor hall, and more. Additionally, as part of the programming,…
holding a jar with a taxes label filled with money

How I Found My Tax "Sweet Spot" This Year

Well, I waited until the last minute, but I got my taxes done and paid before the deadline. At this point, while I wouldn't say I'm good at preparing my returns, I do at least have enough experience to troubleshoot mistakes. On top of that, I also have a decent idea of how the various factors of my somewhat complicated tax situation come together and affect my total bill. Despite…
Product Reviews
gas pump

2024 Pay with GasBuddy Review: Yes, You Can Legitimately Save Money Every Time You Fill

Put simply, the value proposition of Pay with GasBuddy is that you can use a special card that's accepted at most gas stations in order to save a few cents off of every gallon of gas you buy. That sounds good — almost too good, if you think like me.
4 Greenlight Level Up apps

Greenlight Level Up Review: A Free Financial Literacy Game

Despite personal finance being an important topic for those of all ages, few schools make it a part of their curriculum. In this absesnse, several companies and institutions have offered their own ways for children, teens, and adults to gain financial literacy. Among those looking to lend some assistance is Greenlight, which now offers a free financial learning game called Level Up. Even better, the company recently announced a partnership…
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Pepper Rewards Review: Earn Rebates on Gift Cards from Top Brands

Recently, out of nowhere, an app called Pepper seemed to be all the rage in the credit card reward and deal-finding corner of the Internet. Unlike some other apps I've seen mentioned that just seem too convoluted to be worth it, the premise of Pepper is super simple: buy gift cards and earn rewards. While there are some other sites where you can buy discounted gift cards or other apps…

Empower Personal Dashboard Review

A few years ago, my wife and I opened a new chapter in our financial journey as we resolved to make 2019 the year we learned more about investing. Whether I was reading books on the subject or exploring other blogs for advice, there was one recommendation I came across again and again: Personal Capital — which is now part of Empower and is known as the Empower Personal Dashboard….
Mana debit card and app

Mana App Review: The Neobanking App for Gamers

One of the most intriguing trends I've seen emerge since I've been following FinTech is the advent of niche neobanks. These days, you can find apps geared towards certain communities, interests, and more. Among the latest examples I've seen of this is an app called Mana, which bills itself as the best debit card for gamers. Now, I may not be a big gamer, but I do know a thing…

Ibotta App Review (2024)

I remember the first time I was introduced to the concept of digital coupons. For some reason, I was looking at the website for my local grocery store when I found a section dedicated to coupons. At the time I was confused about how you redeemed these coupons since they weren't in the typical print-and-clip format but, soon enough, I realized that I just needed to link them to my…
Featured Articles

Varo Bank Review: The FinTech With a National Bank Charter

In 2020, Varo Money made history by becoming the first FinTech firm to be awarded a national bank charter — resulting in the new name Varo Bank. Although I hadn’t previously used Varo Money, they always struck me as an intriguing service that put its customers first. So, is that same spirit still present in Varo Bank? Let’s take a look at what Varo Bank has to offer, including the…
walking with a suitcase looking at the sunset

2023 Guide to Travel Credit Cards

In case you hadn’t heard, travel is back in a big way. With demand for flights, hotels, and more going strong, it may be time to grab a new credit card that will not only reward you on the purchases of these bookings but can also bring some perks to your travel experience. What’s more, several travel-centric credit cards are now offering some of their best welcome bonuses. On that…
editing a YouTube video

5 Things I’ve Learned After Making 200 YouTube Videos

Over the weekend, I published a new video on YouTube. That might sound pretty mundane seeing as I do this approximately once a week — but, a day after posting, I learned that this particular posting wasn’t as routine as it seemed. Instead, unbeknownst to me, I had just reached a milestone: publishing my 200th YouTube video (which I learned about thanks to VidIQ). Funny enough, this comes only a…
Popular Posts
Clarity Money, Ebates, Dosh, Long Game, and Bumped app logos

Money at 30: Top Personal Finance Apps for 2019

Happy 2019! Okay, so we may already be a few weeks into the new year but I feel like I’m just now getting my bearings. This means I’ve spent the past few days not only contemplating the coming year and working towards some financial goals of my own but also reflecting on the year that was. As part of this, I started thinking about the various personal finance apps I…

Empower Personal Dashboard Review

A few years ago, my wife and I opened a new chapter in our financial journey as we resolved to make 2019 the year we learned more about investing. Whether I was reading books on the subject or exploring other blogs for advice, there was one recommendation I came across again and again: Personal Capital — which is now part of Empower and is known as the Empower Personal Dashboard….

Yes, You Can Earn Cash Back With Dosh

The bottom line is that the Dosh app works as well as I could have hoped for earning cash back and I’m excited to try some of the other features (namely the travel bookings) it has to offer. So, if you’re looking to maximize your savings and perhaps even double up on your credit card rewards, I’d recommend checking out Dosh and seeing what cash back you can earn.
SoFi Invest app

SoFi Active Investing Review (2023)

Has there ever been a better time to be a newbie investor? It wasn’t long ago that trading stocks and purchasing ETFs required “a guy” who you could give orders to and they’d make it happen. Oh, but they would charge you a significant commission for the service. Cut to 2023 and things are much different. Not only has stock market trading moved online, allowing investors to make trades for…
Latest News

Spend Management FinTech Ramp Raises $150 Million

The FinTech startup Ramp has revealed its latest “mega-round.” About the round: This week, Ramp announced that it had raised $150 million. The Series D-2 was co-led by Khosla Ventures and Founders Fund. Additionally, new investors Sequoia Capital, Greylock, and 8VC joined existing investors Thrive Capital, General Catalyst, Sands Capital, D1 Capital Partners, Lux Capital, Iconiq Capital, Definition Capital, Contrary Capital, and others in participating in the round. To date,…

SBA and Score Announce Small Business Week Virtual Summit

With National Small Business Week quickly approaching, the U.S. Small Business Administration (SBA) and SCORE have announced a virtual summit event. About the event: On April 30th and May 1st, the SBA and SCORE will co-host the 2024 National Small Business Week Virtual Summit. The special event will feature educational webinars with actionable insights, business resources, networking opportunities, a virtual exhibitor hall, and more. Additionally, as part of the programming,…

Pepper Rewards Offering Spring Project-Themed Bonus Mission

Pepper Rewards has announced its latest special offer, allowing users to earn bonuses on select gift card purchases. About the offer: For a limited time, Pepper Rewards users can earn a bonus when buying gift cards from select brands. Specifically, this batch of bonus brands includes several stores perfect for spring projects and cleaning. The list includes: Lowe’s Ace Hardware The Home Depot TJ Maxx Marshalls HomeGoods Bath & Body…

Karma Wallet Announces Acquisition of DoneGood Marketplace

An eco-conscious FinTech is adding a sustainable shopping marketplace to its offerings via an acquisition. About the acquisition: This week, Karma Wallet announced that it had acquired DoneGood. Terms of the deal were not disclosed. However, as a result of the purchase, DoneGood will be integrated into the Karma Wallet ecosystem, simplifying the sustainable shopping process. According to Karma Wallet, the acquisition of DoneGood will further empower consumers to make…

Credit Card Delinquency Rates Reach Decade High in Q4 2023

According to new data from the Federal Reserve Bank of Philidelphia, credit card delinquencies grew to new “series highs” in the last quarter of 2023. About the report: As Bloomberg reports, credit card delinquencies increased in the fourth quarter. In total, nearly 3.5% of consumer card balances were at least 30 days late. Furthermore, the percentage of card accounts that were 30, 60, and 90 days past due all rose during…

Survey: 76% of Gen Zers Reports Experiencing Financial Stress

In conjunction with Financial Literacy Month, a new survey from Greenlight highlights financial stress and other money matters among those of different generations. About the survey: Greenlight recently surveyed 2,310 Americans ranging from ages 10 to 59 and asked them about their financial wellness. Specifically, the survey broke respondents into general groups, including Gen Alpha kids (10 to 13-year-olds), Gen Z teens (14 to 19), Millennial parents with Gen Alpha…

Empower Financial to Acquire Petal

The popular credit-building card company Petal is being acquired. About the deal: Empower Financial (not to be confused with Empower, which acquired Personal Capital and rebranded it to Empower Personal Dashboard) has signed a definitive agreement to acquire Petal. Details of the deal were not disclosed. However, Empower anticipates the transition to close later this quarter. News of this acquisition also comes as Empower has completed its purchase of Cashalo….

Rocket Mortgage Announces AI-Powered Tool Rocket Logic

Rocket Companies has unveiled a new AI tool that it says will help makes mortgage underwriting faster and easier. About Rocket Logic: Rocket Mortgage is introducing Rocket Logic — a patented AI platform for mortgages. According to the company, Rocket Logic utilizes insights from more than 10 petabytes of proprietary data as well as 50 million annual call transcripts. As a result, the AI system is designed to help customers…

CLEAR and Amex Renew Partnership for Credit Card Perks

A popular credit perk will apparently be sticking around as CLEAR and American Express have renewed their partnership. About the deal: This week, CLEAR announced that its relationship with American Express had been extended. However, the terms and length of the deal were not disclosed in a press release. As a result of this established partnership, cardholders with select Amex cards can enjoy a complimentary membership to CLEAR. Specifically, eligible…

Brim Financial Raises $85 Million as It Eyes Global Expansion

Toronto-based FinTech infrastructure startup Brim Financial has announced a new funding round. About the round: Brim has revealed an $85 million round. The Series C was led by EDC Investments while new investor Vistara Growth and returning investors White Owl Group, Epic Ventures, and Zions Bank also participated. To date, the company has now raised $110 million including a Series B in 2021. According to Brim, the latest funding will…
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A Guide to Building Credit and Increasing Your Credit Scores

When it comes to credit, there’s some good news. The average credit score in the United States has been steadily rising in recent years, coming in at 715 in 2023. That may be because, today, consumers not only have more ways to access their credit reports and scores than ever before but also because there are an increasing number of options that Americans have for building credit in the first...

2024 SoFi Checking and Savings Review

Ever since I started taking an interest in the FinTech sector, one company whose name I’ve seen pop up over and over again is SoFi. Lately it seems as though that theme has been sent into overdrive as the company has not only become a household name thanks to its stadium naming rights deal but also because of the company’s continued product expansions. The most interesting development in my mind...
Brim logo

Brim Financial Raises $85 Million as It Eyes Global Expansion

Toronto-based FinTech infrastructure startup Brim Financial has announced a new funding round. About the round: Brim has revealed an $85 million round. The Series C was led by EDC Investments while new investor Vistara Growth and returning investors White Owl Group, Epic Ventures, and Zions Bank also participated. To date, the company has now raised $110 million including a Series B in 2021. According to Brim, the latest funding will...
Chase Freedom Flex card

Chase Reveals Q2 2024 Freedom 5%(+) Bonus Categories

Chase has announced its bonus category picks for the second quarter of 2024 — including some interesting twists. About the categories: As April approaches, Chase has revealed what categories Freedom and Freedom Flex cardholders can earn bonuses on. From April 1st through June 30th, customers can earn 5% (or more) in three categories: Amazon.com, Hotels, and Restaurants. Similar to how Chase embraced a "New Year, New Me" theme last quarter,...

FedEx Announces Winners of 11th Annual 2023 Small Business Grant Contest

Nearly three months after the entry period ended, FedEx has announced the winners of its 11th annual Small Business Grant Content. This year's event saw more than $300,000 in funds going to a variety of small businesses across the nation. Last month, the company revealed 100 finalists, with that list now being narrowed down to just 10 winners. This year's grand prize winners included KindVR, The Cupcake Collection, Up In...