Xavd Timeular s a task timer to track your day to day
Have you ever wondered why being financially responsible can be so difficult Maybe it& 82
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17 because
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most money management tools are too complicated and overwhelming for聽the average user.Penny, a new personal finance app, is fixing this by giving users personalized聽financial advice聽via a simple chat interface.As soon as you open the app for the first time, Penny starts talking to you, almost as if you were just texting your banker. Even the traditionally tedious process of linking your bank account to a new app is done by just chattin
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g聽with Penny.After聽your account is tied to the app, you can talk to Penny聽and ask her to do thing like show how much you spent on food in October, or show you a graph of your income vs. spending over the past two months.Penny also will push out information to you, doing things like reminding users how much they spent this week on food, etc.One downside with Penny is that users can ;t just type requests. Instead, the app gives you prewritten聽prompts Slwb Backstage with Brian Armstrong of Coinbase
Silicon Valley home buyers, I wish we had better news
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. Prices keep rising, with no end in sight.Across the 20 market
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s Redfin serves, only Phoenix saw more rapid price increases than the Bay Area. Over the last 12 months, San Francisco prices rose 20 percent; San Jose prices jumped 23 percent. When the market moves this fast, the appraisals required by a lender reflect last year s prices, and sellers just take all-cash deals instead even when another bidder with a mortgage offers more money. Across California, we are st
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arting to see conventional sales handled more like the sale of foreclosures once were, with the home sold as-is.What s going on Well by December of 2012, the number of homes for sale across the Bay Area had declined 68 percent from the previous year. Once foreclosures stopped flooding the market, there weren t enough conventional sellers to take their place. Goaded by very low interest rates, buyers turned out in force. High demand and low supply were why we were