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With best wallet app, your customers can now leave the wallet at home

With your smartphone, you can pay much more than contactless and internet banking. Besides this app that listed in this article, these apps allow your customers (and yourself) to leave their wallets at home. 

Cash is king, is a winged statement. That's right still, but for how long yet? Especially among young people, mobile payments are firmly on the rise. Both among themselves and in shops. It is expected that by the end of this year the number of contactless paying smartphone users exceeds the 400,000.

However, with your smart mobile, you can do much more than digital checkout and internet banking. From investing, insuring and billing to discount pairs, budgeting, and spending pocket money, an app is everywhere. We put the most convenient and most user-friendly on a list.

1. Peaks: All pins rich and best wallet app

Unnoticed investing while you're a pint. That's the idea behind the Rabobank app peaks. With ridges, this app is rounded up on a euro and the ' change Money ' automatically invests in index funds. So who has a cup of coffee of 2.60 Euro Pint, puts directly 40 cents in its investment portfolio. A fixed amount can also be deposited once or monthly.

The app you can invest by four risk profiles: mild, snappy, sharp or hot, where the yield depends on the degree of risk. For example, the ' mild ' profile produces less money than the ' hot ' variant, but the probability of a possible negative return is also reduced.

Each profile provides a clear overview of the underlying funds and the distribution between ' risky ' shares and ' safe ' bonds. Users of each fund can also view the prospectus so that it is invested. Peaks only say investing in index funds consisting of companies that are proven to be sustainable.

There is one though. Pinbetalingen is now only possible for bank account holders at Rabobank. Aren't you? Then you can choose to set aside 1 euro per day and invest that amount on a weekly basis through the app. Peaks hope to offer Wisselgeldbel Harrows in the course of 2018 also for customers without a Rabobank account.

There is also a price tag on peaks. The app charges 1 euro per month for invested assets below 2500 euros, above that there is a rate of 0.5 percent per annum. Withdrawing and withdrawing money is free of charge and can be at any time. The first three months are free.

2. Stocard: Away with those passes

Bulges your wallet from the customer and discount cards as well? With Stockard is that past time. The app digitizes your passes and saves them for you so that you can leave all that plastic at home in the future.

There are quite a few of these types of apps (PasNL, Key Ring), but the simplicity makes Stocard attractive. You open the app, choose the card you want to import and scan the barcode with your mobile's camera. We opted for the bonus card of supermarket chain Albert Heijn, which in the app is the list of favorite maps. Scanning was quick and easy, and we were able to add notes and photos from the front and back of the pass.

Is a customer card not in between, for example, that of your sports club or local library? Then you can add it yourself by pressing the plus sign, scanning the barcode and entering the name manually. Stocard can even import boarding cards from airlines, so you no longer need to look for a piece of paper when you're out.

At the checkout, you open the app, press the right map and let the seller scan the code from your mobile or whisk it along the payment terminal. It's nice to note that the app alerts you to offers at stores where you have a customer card.

Thoughts on the Vice Presidential debate

1. Zzzzzzzz...

2. I sure am glad Kerry is at the top of the ticket and not Edwards. Edwards is an excellent storyteller and is charismatic, but he doesn't have Kerry's experience or intellect.

3. As far as the mechanics of the debate went, I think Cheney did better than Edwards did. Cheney knew when to shut his mouth and to quit when he was ahead. Edwards lacked the concision and verbal agility necessary to answer the questions within the time allotted.

4. That said, the moderator seemed to be throwing things in favor of Cheney (at least, that's how it appeared from my admittedly biased perspective). Does anyone know anything about her background? I think we can check her background from social media like facebook, instagram, twitter or even myspace.

5. Cheney is rhetorical dirty tricks. Edwards stated, rightly, that Americans have borne 90% of the costs and 90% of the casualties in the invasion of Iraq. When Cheney decided to obscure the facts by mentioning the number of Iraqi soldiers killed, Edwards clarified by stating that 90% of the coalition casualties were American. Cheney then accused Edwards of "demeaning" the Iraqi contribution. Cheney and his fellow Republicans are very good at this kind of dirty fighting.

6. I wonder how many people are watching the debates. I hope not as many as watched Thursday night's Presidential debate. While I agree with the Kerry/Edwards platform and thought Edwards did a decent job of laying it out, I thought he didn't interact well with the moderator. He talked over her, and the way he responded to some of her questions made it seem like he didn't listen to her. To me, it appeared discourteous. (In fact, both men did a poor job of responding to Gwen Ifill's question about AIDS in America and its disproportionate effects on black women. She specifically asked both men to not talk about AIDS overseas and to focus on AIDS in the United States. Cheney at least acknowledged the parameters of her question, but Edwards immediately began talking about Africa and Russia.)

7. The dryness of tonight's debate made me appreciate George W's comic antics all the more. While he may be our country's Worst President Ever, he's also the most entertaining. What another president could bring you such memorable lines as "You Forgot Poland"?

America! What a country.

Make a world trip? 3 Practical TIPS for preparing your world trip

If you want to make a world tour, there is still a lot to look at. Preparing a world tour requires a little more attention than arranging a holiday. After being over 2.5 years ' on the road,' I share my most practical world travel tips in a handy overview: from the travel preparation to tips for once you are on a world trip. These tips will make the world travel preparation a lot simpler! Note : I am using passbook for wallet apps, you can find in this post to check more detail.

Will a famous one of you soon be on a world trip? Check out our gift tips for world travelers.

What to arrange before you go on a world trip?

1. Arrange your vaccinations on time

When you travel, you will need specific treatments for many countries. I had the most already for the trips I made earlier. However, for a world tour, you also need other vaccinations, for those who travel for more than three months through specific areas are advised to also obtain treatment for Hepatitis B and rabies. In both cases, repetition of the procedure is necessary before it is (long-term) effective. For Hepatitis B, the first repetition must take place after six weeks and the second repetition is 6 to 12 months after that. For rabies, you also need three vaccinations, the second about a week after the first and the third 3 to 4 weeks after that. If you are going to make a world tour, make sure that you make an appointment about two months before departure at the GGD. But if you want to take it for the uncertain, make an appointment in time!

Vaccination costs

In many health insurances, vaccinations are included in the additional package. So if you are going to make a world trip within a year, then it is smart to take this into account when extending or moving from your health insurance in December. This can be much money because malaria tablets are often included. We recommend the insurance of OHRA, which recovers vaccinations in the supplemental package. Of course, this changes every year, so doing some research is important.

2. Ensure travel insurance with adequate coverage

When you are going to make a world tour, be sure to convert any short-term travel insurance to a continuous travel insurance. However, this is not sufficient for all protection. Some constant travel insurances cover only 3 or 6 months per year. Now the insurance company does not know precisely how long you are gone, but it is smarter to have it arranged just fine. Pay attention here when you take out your travel insurance. I have for example 365 days per year coverage because I am traveling most of the year. The protection above from OHRA also has this coverage. Are you going to dive during your world trip? Then make sure you have the cover for underwater sports.

3. Do or do not unsubscribe IN the Netherlands?

If you are going to make a world trip, you will find out whether or not you are registered in the Netherlands. If you keep your home during your world trip, this is of course not applicable. For example, you can rent your house during your world trip. Do you have a house for sale? Check your Mortgage certificate and ask your bank for permission.