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Then, I started receiving gift cards from people occasionally and found that I love this idea as a gift. 5 practical reasons I like to give gift cardsSome people may think gift cards are losing their charm, but I disagree. I can get gift cards at a discount that stretches my budget furtherI love to get gift cards from Amazon, Walmart, and Target at a discount thanks to holiday sales. Walmart also has discounted gift cards for popular retailers and restaurants, like buying a $25 gift card for $20. I don't buy gift cards for everyoneThe truth is, most people want cash or gift cards for Christmas, but may not admit it out loud.

I figure out which restaurant or retailer they like, purchase a gift card, and gift the card to them. Featured Partner Offer Cash App - Send Gift Cards to Friends and Family Instantly A tooltip *Cash App is a financial platform, not a bank. Gift cards can score deals for the giver, tooSo many retailers and restaurants offer bonuses when you purchase a gift card. I buy them a gift card, and in return, I get another gift card for myself and my wife. My home is still divided on whether or not gift cards are the best gift to give.

No one knows what they need better than they do, and gift cards give them the ability to choose it. Gift cards are requested for people in needGift cards can get a bad reputation. But, when it comes to charitable giving, I've realized that gift cards hold a lot of merit. Featured Partner Offer Cash App - Send Gift Cards to Friends and Family Instantly A tooltip *Cash App is a financial platform, not a bank. However, if a customer does not have a Cash App Card, they can instead convert their gift card to cash in the app.

☆ As BlockFi files for bankruptcy, what to know about crypto investor protections
▼ + stars: | 2022-11-28 | by ( Greg Iacurci | ) www.cnbc.com time to read: +7 min

The ongoing FTX fallout — and bankruptcies earlier this year for lenders Celsius Network and Voyager Digital — is teaching crypto investors a hard lesson about their protections relative to more traditional asset classes. Howey Co., established the so-called Howey test to determine what constitutes a security, or "investment contract." More on how the Howey test works can be found below. Here's why this is important for crypto: It's unclear in many cases if digital assets are an "investment contract" under the 76-year-old Howey test. The Securities Investor Protection Corporation insures investors for up to $500,000 in the event a brokerage firm liquidates and their holdings are tied up in the insolvent firm.

☆ Why protections for crypto investors are linked to orange groves
▼ + stars: | 2022-11-21 | by ( Greg Iacurci | ) www.cnbc.com time to read: +6 min

watch nowHow orange groves impact crypto protectionsThe reason why largely hinges on a 1946 Supreme Court case about investors in Florida orange groves. Howey Co. — established the so-called Howey test to determine what constitutes a security, or "investment contract." (More on how the Howey test works can be found below.) Here's why this is important for crypto: It's unclear in many cases if digital assets are an "investment contract" under the 76-year-old Howey test. Why the 'security' distinction mattersThe Howey test has four parts to determine if something like bitcoin is an "investment contract."

☆ Beware: The companies that hold your crypto aren’t insured the way banks are
▼ + stars: | 2022-11-13 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +4 min

But now, in the wake of crypto exchange FTX’s implosion, crypto investors were reminded of another risk they face: Crypto accounts lack guaranteed protections when the exchange or platform provider goes belly up. But most banks and brokerages, as well as 401(k) plans, do provide federally guaranteed protections and other insurance. What’s more, customers may unwittingly agree to let the company running an exchange or platform use their digital assets. Bank and credit union accountsIf you have a checking or savings account, a money market deposit account or certificates of deposit at a bank or credit union, make sure the institution has deposit insurance. There are several types of deposit accounts you may have at one bank (e.g., personal account, business account, etc.)

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Getty Images AsiaPacFor business owners curious about crypto, the Brex cards are a low-risk introduction to the space. You can only earn bonus rewards if Brex is your only corporate card, so it doesn't pair well with other business rewards credit cards Dash icon A dash. Using Brex points for crypto rewards"We think that your rewards points are an easy and interesting way to participate in crypto," Henrique Dubugras, founder and CEO of Brex, told Insider. The Brex card offers the flexibility to simply put that exposure in rewards points, and cardholders can continue to designate their rewards in other more stable categories, too. Read Insider's points and miles valuations to find out what your credit card rewards are worth.

It's important to make sure you can trust an investment app before you start using it. See Insider's guide to the best investment apps for beginners »Get the latest tips you need to manage your money — delivered to you biweekly. Before you start placing trades, you should have a sense of whether you can trust an investment app with your money. Here are more details on the warning signs to look out for when searching for an investment app. It's not transparent about how it makes moneyMost investment apps offer fee transparency and/or disclosures that detail where their compensation comes from.

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