Posts tagged with "money"

Cryptocurrency illustration by Heather Skovlund for use by 360 Magazine

Tips in getting successful in the cryptocurrency industry

How to be a no-hit Cryptocurrency Investor?

Following the frenzied demand for cryptocurrencies this year, the globe has become divided into two camps. On one hand, there area unit people who area unit still skeptical concerning the long run of cryptocurrencies, whereas on the opposite aspect of the spectrum, there area unit people who area unit still optimistic that the worth of the digital currencies can still rise. For people who area unit unaccustomed the crypto world, there area unit many things that they have to grasp before they get into the globe of cryptocurrency. Here area unit some things for you to grasp to urge started.

Cryptocurrency capitalist may be a new venture within the market. Not heaps of individuals understand heaps concerning it. It’s a replacement business that’s apace increasing. Cryptocurrency may be a digital currency that’s encrypted and might be transferred from one location to a different over the net. It uses cryptography for security, creating it terribly tough to counterfeit. during this diary I’ll make a case for however you’ll become a no-hit cryptocurrency capitalist.

bitindexai.top aims to facilitate all the traders with a premium experience so that they get to learn and earn simultaneously. Moreover, this platform helps the traders to embark on a journey of generating a significant amount of money down the line by making the right choices. This calls for a profound study of the market which can only be done once you begin to observe the changes that unfold all around you. Such is the kind of change that has been ushered in by the crypto exchange platforms like Binance as this blog will talk about. 

Investment in Cryptocurrency Still Felt just like the western United States

As the cryptocurrency market continues to grow, it’ll become additional and additional necessary to create educated selections on that cryptocurrencies to take a position in and which of them to avoid. the primary question you wish to raise yourself is: what does one wish to attain by investment in cryptocurrency? Is it to get a passive financial gain from well-mined coins? does one wish to be an area of a project that you simply really believe in? does one wish to be an area of a project that may amendment the world? does one wish to be rich? If you would like to get a passive financial gain from well-mined coins, then the most effective plan is to take a position in a very proof-of-work coin, like Bitcoin. it’s the oldest and most secure cryptocurrency. If you would like to be an area of a project that may amendment the globe, then you wish to raise yourself a couple of additional queries. For example: what’s the project about? What drawback will it solve? is that the project already working? will it have a powerful team? will it have a good community? Is it a semipermanent project or a short-run project? If you would like to be made, then you wish to take a position in a very project that’s new which isn’t as well-known because the coins with the best market caps. this can be as a result of it’s easier to grow a smaller coin.

The marketplace for cryptocurrency remains in its early stages, however there area unit heaps of individuals that have gotten into investment in cryptocurrency. once folks that obtain cryptocurrency lie with for the primary time, they typically lie with the hopes of creating heaps of cash. However, there area unit heaps of individuals that lose cash once they invest in cryptocurrency. this can be actually because they didn’t do their analysis before they bought the cryptocurrency. after you begin investment in cryptocurrency, it’s an honest plan to find out the maximum amount as you’ll concerning the method before you create one investment.

This year has seen heaps of changes within the cryptocurrency world. It’s still quite risky to take a position in cryptocurrency, however here area unit some tips to assist you achieve success at it.

1.Start out by investment solely what you’re willing to lose. There area unit heaps of individuals UN agency have lost heaps of cash during this market. you ought to solely invest the quantity of cash that you simply area unit willing to lose. It’s continually a nasty plan to take a position extra money than you’ll afford to lose.

2. Decide if you’re willing to carry your coins for a protracted time. most of the people don’t comprehend it, however you’ll typically build heaps of cash by merely shopping for and holding the coin.

3. decide why you would like to take a position in cryptocurrency. There area unit some folks that wish to take a position in cryptocurrency as some way to create cash. These folks area unit typically remarked as “traders.” On the opposite hand, there area unit folks that endowed as a result of they believe the technology and need to be an area of it.

4. Don’t invest extra money than you’ll afford to lose. It’s not worthwhile.

5. Don’t invest extra money than you wish. If you merely would like $1,000 and you invest $5,000, you would possibly lose everything. It’s not worthwhile.

What can be the impact of Bitcoin on the advertising sector of Paris?

The impact of Bitcoin on the advertising sector in Paris could be far-reaching, as this emerging new form of currency has already begun to disrupt the financial markets. As more businesses begin to accept Bitcoin for their goods and services, they will likely begin to advertise their products and services using this new form of payment. It could create a shift in the advertising landscape. Just go  to the article  to begun.

Companies may begin to explore more innovative and cutting-edge marketing strategies that incorporate Bitcoin as part of their overall campaign. Furthermore, many consumers who hold Bitcoin will likely become interested in supporting businesses that accept this digital currency, furthering the Bitcoin economy. In short, the potential impact of Bitcoin on the advertising sector in Paris is significant. 

One potential impact of Bitcoin on the advertising sector in Paris is increased efficiency and cost savings. In addition, because Bitcoin transactions are non-reversible, advertisers will no longer have to worry about fraudulent charges or chargebacks, which can be a significant source of expense for many businesses. 

Additionally, because there is no central intermediary like a bank or payment processor, transaction fees are lower with Bitcoin than with traditional methods such as credit cards.

Another potential impact of Bitcoin on the advertising sector is greater transparency. It could lead to more targeted and effective marketing strategies, helping businesses to reach their ideal customers more efficiently.

Overall, the impact of Bitcoin on the advertising sector in Paris is likely to be multifaceted and ongoing.

The positive impact of Bitcoin on the advertising sector of Paris

Bitcoin has had a positive impact on the advertising sector of Paris. Bitcoin allows for micro-transactions, which are perfect for online advertising. Thanks to Bitcoin, advertisers can now pay for ads in a fraction of a second without worrying about chargebacks or fraud. It has resulted in more businesses being willing to invest in online advertising, which has led to more job opportunities being created in the advertising sector of Paris.

Furthermore, Bitcoin allows advertisers to target their ads at specific demographics and geographic areas, which is impossible with traditional payment methods. As a result, businesses can now reach their target audiences much more effectively than ever before. Overall, the positive impact of Bitcoin on the advertising sector of Paris has been very significant.

Bitcoin has allowed businesses to target their ads more effectively. The positive impact of Bitcoin on the advertising sector of Paris has been very significant.

The negative impact of Bitcoin on the advertising sector of Paris

Bitcoin has had a significant negative impact on the advertising sector in Paris. The rise of this digital currency has led to an increase in online transactions where people purchase goods or services with Bitcoin. While the use of cryptocurrencies can increase revenues by attracting new customers, it is also detrimental to the advertising sector in Paris.

One of the main reasons for this negative impact is that advertisers must be able to track and target potential customers based on their location and browsing history. However, with the use of Bitcoin, it becomes much more difficult for them to do so. Because there is no central database for tracking transactions, they cannot see where their ads are being viewed. 

As a result, advertisers must rely on more traditional methods such as billboards and television advertisements, which are much less profitable.

Additionally, the use of Bitcoin has also made it harder for businesses in the advertising sector to remain competitive. Because there is no control over what transactions take place and how much money is exchanged, businesses cannot keep up with the changing prices of Bitcoin. 

Overall, the negative impact of Bitcoin on the advertising sector in Paris is significant. The rise of this digital currency has made it more difficult for

Conclusion

While Bitcoin has the potential to revolutionize the way we think about and use money, its impact on the advertising sector of Paris is still unclear. Some experts believe it could open up new opportunities for businesses and advertisers alike, while others worry that its decentralized nature could lead to fewer customers and less revenue. 

Ultimately, only time will tell how Bitcoin will affect the advertising landscape in Paris.

Cryptocurrency illustration by Heather Skovlund for 360 Magazine

Why is it not recommended to buy bitcoin with PayPal?

With time, people find a platform through which they can spend money. Many new bitcoin investing platforms are coming on the network, and it is becoming complicated for the novice to choose the right platform for investing in bitcoin. PayPal is also like an exchange such as Yuan Pay Group that provides only a payment transfer and receiving system, but now it has added some cryptocurrencies feature to buy from the same platform.

What is PayPal?

It is a payment exchange platform where you can send cash from your account to another PayPal account and receive money from your home country and foreign countries. PayPal was only the payment gateway, but the new feature of buying and selling cryptocurrencies in one platform increased the hope of this platform. So, in short, PayPal is a system of transferring national and international payments and provides the facility of selling and purchasing bitcoin and other cryptocurrencies.

Buying bitcoin through PayPal

It is straightforward to purchase or sell crypto coins with this payment gateway because the process is steady and precise. There is the following procedure for buying bitcoin in a simple way given below:-

  1. Go on the PayPal website or download the PayPal application to continue buying bitcoins.
  2. You must upload your identity documents to know about PayPal and stop the fraudulent activities.
  3. Now choose your currency according to your country, such as USD, INR, PKR, EURO etc.
  4. Enter your bank account number and verify it through a one-time password, and you can also add your bank debit or credit card for instant depositing and withdrawing from PayPal.
  5. When funds start appearing in your PayPal account, click on the UI search bar and search for Bitcoin. Then place your order by filling in the number of bitcoins, and after some time, your bitcoins will start appearing in your PayPal account.

Why should you not purchase bitcoin with this platform?

  1. Privacy Issues like Exchanges: When you go with a bitcoin exchange, they will ask for your identity since the government regulates bitcoin exchange. They have to give the data to the government according to the rules and regulations. Since PayPal is also a centralized system thus, this platform also collects users’ information, which means your privacy is not secure. But if you will go with a separate wallet (decentralized wallet), there is no privacy issue because the government does not regulate it.
  2. Exchanges Provide Better Interface: You know that thousands of bitcoin exchanges are made only for bitcoin and other cryptocurrency services. So they work only on one work such as buying and selling, trading and improving the user experience interface for smooth functioning. But PayPal becomes more complicated in one application because it provides a payment gateway in fiat currency and cryptocurrency. But people want simplification in purchasing, selling, sending, receiving or trading bitcoin.
  3. No holding of Cryptocurrencies: In actuality, the PayPal system does not have any proof of holding cryptocurrencies in users’ accounts, which means when PayPal users buy bitcoin, they are not buying bitcoin in their ownership. In simple words, PayPal bitcoin buyers buy bitcoin indirectly, but holding bitcoins is in PayPal owners’ accounts. Thus, you cannot send bitcoin to another exchange wallet or decentralized software wallet.
  4. No Private Keys: If there is no secret key to the bitcoin wallet, the owner or holder of bitcoin or other cryptocurrencies is the owner or founder of PayPal. Private keys recognize the absolute ownership of bitcoin crypto coins, but in this case, you do not have control over your cash.
  5. High Fees: PayPal charges higher maintenance or management cost for bitcoin holding, buying or selling than bitcoin exchanges. Bitcoin exchanges get made to serve cryptocurrency users to minimize their fees because they provide the same service in bulk to many bitcoin users.
  6. Less Selection: PayPal does not have enough cryptocurrencies to buy, which means it deals in limited cryptocurrencies such as Bitcoin, Ethereum, Litecoin etc., even though there are over thousands of cryptocurrencies available on the network. On the other hand, cryptocurrency exchanges especially come into existence to provide the trading features in the market in one application or platform.
Art by 360 Magazine for use by 360 Magazine

What is a Bitcoin ATM, and why is it not recommended? 

There are now multiple bitcoin ATMs worldwide, and new bitcoins are establishing rapidly because the number of cryptocurrency users is rising. Many people want to purchase bitcoins without digital fiat currency, but with physical cash, so they have to visit the bitcoin ATMs. In addition, some people like to sell cryptocurrency because they need immediate cash. When you sell bitcoins through the bitcoin ATM, you will get the cash amount as we withdraw in traditional ATMs by using our Debit or Credit card. That is why bitcoin ATMs exist worldwide to solve these types of bitcoin user problems.

What is a bitcoin ATM?

Bitcoin ATMs get invented to solve the problem of buying or selling bitcoin with domestic currency. Since web bitcoin exchanges like bitcoin-profit.com cannot provide these features, there is only one option: finding a bitcoin purchaser or seller in your local area who is willing to buy or sell for the physical domestic currency. So in simple words, Bitcoin Automated Teller Machine is a concept of Depositing domestic money and purchasing bitcoin with it and withdrawing cash by selling cryptocurrency. Thus there is no need for any bitcoin ATM card because it happens through your virtual bitcoin wallet.

Key Features of Bitcoin ATMs:

There are following key features of bitcoin wallets are given below:

  1. You do not need a physical bitcoin debit or credit card to buy or sell bitcoins because there is only a need for a virtual bitcoin wallet that you will use for the selling or buying.
  2. Bitcoin ATMs are available in urban states and cities because many people are aware of bitcoin technology and willing to buy through these platforms.
  3. You can use your domestic currency to place bitcoin orders and get fiat cash after selling through the bitcoin ATM.
  4. It provides a straightforward method for placing orders and selling, but the transactional charges are very high.

Why should you not purchase or sell bitcoin with this platform?

There are the following reasons that you should not use bitcoin ATMs for any transaction given below:

  1. Higher transactional fees: The charges for bitcoin transactions through the bitcoin ATMs are very high because they provide the feature of selling or placing orders with your home currency that no other software wallet offers. Half of the transactions go to the company that sets up the bitcoin ATMs in the city—the average bitcoin transaction charges between five to nine percent, which is very high. Hence, you can go with an exchange to buy bitcoin; otherwise, you will get charged higher fees that you cannot bear.
  2. Not available in all the locations: Many people from different areas do not know about bitcoin technology, and they do not show interest in buying or selling this cryptocurrency. The companies who set up the bitcoin ATMs first analyze the areas and bitcoin users, and after getting the report, they set up their system. If no people are interested, they do not install bitcoin ATMs. In urban cities and states, bitcoin ATMs are available in supermarket stores. A couple of people are newly introduced to bitcoin technology and want to spend it through bitcoin. Still, they do not get ATMs because there are only a couple of people, and the ATM installation company will not spend money for these couple of bitcoin users.
  3. Different features: There are multiple bitcoin ATMs in other supermarket stores with varying processing systems for purchasing and selling bitcoins. Some people who use one bitcoin ATM when going to another bitcoin ATM get confused because of the features. Some bitcoin ATMs do not provide a selling option, but others offer one.
  4. Technical Issues: Since the bitcoin ATM is also a machine, there are technical issues over the period, and sometimes transactions get cancelled. Since no third parties are working behind this network, and if you lose your bitcoin, it becomes impossible to get it back in your wallet, and you cannot contact the government to get back your bitcoins because they do not support bitcoin.
  5. No privacy: Because the bitcoin ATMs get installed by third parties, they keep track of your transactions, which means they can see how much you withdraw cash by selling and how much money you spend by buying bitcoin. Furthermore, they are obliged to give your record to the government when required, which means your transactions are not entirely private.
TV2 illustration by Rita Azar for 360 Magazine

Tanisha Scott × Lizzo

World-renowned creative director/choreographer Tanisha Scott (Rihanna, Drake) makes a very special guest appearance on Amazon Prime’s anxiously awaited new series, LIzzo’s Watch Out for the Big Grrrls, set to premiere April 14th. She teams up with legend and host Lizzo in order to uncover the best and brightest new dancers for her upcoming tour. Lizzo’s Watch Out for the Big Grrrls is a new unscripted series following global superstar and icon Lizzo, who is on the hunt for confident, bad-ass women to join the elite ranks of the Big Grrrls and join her world tour. With 10 hopeful women moving into the Big Grrrls House, they must prove they have what it takes to make it to the end and join Lizzo in front of a global audience on the center stage. In this search for dynamic dancers, Lizzo leans on Scott as well as fellow legendary choreographers and O.G. Big Grrrls Chawnta’ Marie Van, Shirlene Quigley, and Grace Holden, as well as several special guests, including choreographer Charm La’Donna, body movement expert Rashida KhanBey Miller, and Grammy-nominated singer/songwriter SZA. In addition to appearing in the series, Lizzo will also serve as executive producer alongside Makiah Green, Kevin Beisler, Julie Pizzi, Farnaz Farjam, Myiea Coy, Kimberly Goodman and Glenda Cox. The series is directed by Nneka Onuorah and produced by Amazon Studios, Bunim-Murray Productions and Lizzo’s production company, Lizzo Bangers. Stay tuned for more and to also see how Scott expands her influence yet again in the upcoming season of the series Legendary on HBO Max.

About Tanisha Scott 

Like culture itself, Scott continues to evolve over time. She has remained not only relevant but at the forefront of the industry, with recent clients including, H.E.R., Bryson Tiller, SZA, Khalid, Daniel Caesar, Da Baby and Juice WRLD. She has been named by Billboard Magazine and Italian Vogue as one of the top 30 under 30 artists in the entertainment industry and has earned multiple MTV and Billboard Music awards and nominations. Scott’s work has been featured in various award-winning videos, including Rihanna’s “Found Love,” Cardi B’s “Money” and Lil Nas X’s “Old Town Road”—which won the 2012 MTV Video Music Award for Video of the Year, the 2019 VMA for “Best Hip Hop Video” and the 2020 Grammy award for “Best Music Video,” respectively. Tanisha Scott has evolved from a dancer and choreographer to an innovation-leading and industry-crossing creative director, movement coach, and artist developer. As for what’s next, Scott aspires to take her talents to Broadway. Like her idol, Debbie Allen, Scott aims to leave a legacy of innovation and storytelling through the universal language of movement and dance.

Baby via 360 Magazine

Beeja May

As the prices of goods and services continue to rise, many people are looking for ways to save some money on their purchases. Purchasing pre-owned clothing is one way to help keep your expenses down while ensuring there can be updates to the wardrobe or that the kids have more clothes as they keep growing. There are some things shoppers can do to help save money and ensure a smooth experience while shopping online for pre-owned clothing.

“Some people may be new to purchasing pre-owned clothing, especially when it comes to online,” explains Christine Trinh, co-owner of Toronto-based Beeja May. “The great thing is that online thrift shopping provides you with many more opportunities, and you can be more selective than what is within a few miles of your home.”

There are many good reasons for purchasing pre-owned clothing. Not only will it save money, but it allows  more options, and it’s better for the environment. Clothing that may have otherwise finished its life cycle is given another chance to be used. This helps with sustainability issues and helps the planet not use as many resources.

Whether online thrift shopping for personal use or buying for the family, there are some tips to keep, including:

  • Try to meet the free shipping minimums. Often, people may be close enough to the free shipping minimum that it makes sense to add in one more item. The money either goes to shipping or scoring one more piece of clothing.
  • Do the shopping at an online thrift store that is well organized. This will save a lot of time and frustration. Items should be organized by size, brands, and more. This will help people quickly narrow the focus of what is available.
  • Be sure to take advantage of any rewards program the online store may have. This will help shoppers earn additional items or rewards, thus stretching their dollars even further.
  • Know what the company means by the item condition that is stated. Most companies have a standard guideline they follow when labeling the condition of an item. This will avoid getting things that were expected to be in better condition.
  • Look for rescue programs, such as the one offered by Beeja May. A rescue program has partnered with companies to sell their dead stock or manufacturer defect items. The items are offered at deeply discounted rates, up to 50% off retail, providing access to new things at pre-owned rates. This program helps manufacturers, the planet, and consumers, making it a win-win-win.

“We have taken many steps to make shopping online for pre-owned clothing simple and enjoyable,” shares Tan. “Since we started, we have sold over 130,000 items, showing how simple it is and how satisfied people are. We continue to look for even more ways to enhance the online thrift store shopping experience. It’s something the consumers and environment needs, and we are happy to help.”

Beeja May offers tens of thousands of secondhand clothing items, and the process to shop is simplified. Shoppers can shop by age (i.e., newborn to 24 months, toddlers, kids, maternity, etc.), by brands (i.e., Gap, Mini Mioche, Zara, Roots, etc.), and more. Plus, the items have all been carefully curated and inspected before be being listed, so there are no unwelcome surprises when someone receives their package in the mail.

Beeja May offers name-brand clothing, organic clothing, and ways that people can save on their orders, including by combining shipping and a robust loyalty program. In addition to children’s clothing, the store offers maternity and nursing wear, books, and footwear. They offer free shipping with a $75 purchase, a loyalty club, and all items are well organized. It also has a zero-waste shop, offering a variety of essentials, such as soap, dryer balls, reusable food wraps, pot scrubbers, lotion, shampoo, and more. 

About Beeja May

Founded in 2019, Beeja May is an online secondhand clothing store that provides a convenient way for families to shop. In addition to clothing, shoppers can find books, shoes, and zero-waste products. The company has a mission of helping the planet and helping those who need assistance with purchasing clothing.

Credit Cards via Samantha Miduri for use by 360 Magazine

Best Credit Cards

By: Skyler Johnson

Having a good credit card is important, for a variety of reasons. There are so many doors that remain closed if you don’t have one. You can’t build credit, buy a house, or even a car. However, it’s hard to know which to choose from. There are many different options, some better than others. 360 has simplified the process and made a list of the ten best credit cards to have in 2022.

Chase Freedom Unlimited

Chase Freedom unlimited is an interested card, and pairs perfectly with Chase Sapphire.

PROS:

  • 1.5% cash back on all purchases, including small purchases like groceries and electronics on first $20,000 spent
  • 6.5% cash back on travel
  • 4.5% cash back on drug stores and dining.
  • No minimum to receive cash back.

CONS:

  • Foreign transaction fees

Credit Needed: Good to Excellent

Find more information HERE.

Capital One Venture

This card is designed for travelers, as several of the benefits are specifically catered to those who vacation a lot. Benefits are measured in “miles,” which can be redeemed for money to pay for travel costs.

PROS:

  • $600 for travel expenses after your first $3,000 spent.
  • 2x miles for everyday purchases
  • 5x miles for travel expenses.

CONS:

  • Annual Fee
  • No Intro 0% APR
  • High APR (15.99-23.99%)

Credit Needed: Good to Excellent

Find more information HERE.

Wells Fargo Active Cash

This card is known to be one of the best flat-rate cash rewards cards out there, meaning the cashback percentage doesn’t change because of money spent.

PROS:

  • $200 cash reward bonus after first $1,000 spent.
  • 2% unlimited cash rewards.
  • $600 dollar protection on your cell phone.
  • Benefits can be attained for prestigious hotels (The Pierre, The Peninsula Beverly Hills)

CONS:

  • 3% Foreign Transaction Fee
  • No Bonus Categories
  • High APR

Credit Needed: Good to Excellent

Find more information HERE.

Chase Sapphire Preferred

This card is primarily reliant on a points system. Points have to be transferred into cash during specific periods. It is mainly known for its excellent rewards, particularly for travel.

  • 60,000 points after first $4,000 spent ($750 dollars)
  • $50 rewards annually on hotels
  • 25% more value for airfare, hotels, car rentals, and cruises
  • Dashpass from Doordash ($0 delivery fees)

CONS:

  • Annual Fee
  • High APR
  • 1 Point per dollar base rate

Credit Needed: Good to Excellent

Find more information HERE.

Discover It Cash Back

This card is also known for the high cash back rate, with 5% on certain purchases, making it perfect for gas and restaurant purchases.

PROS:

  • 5% unlimited cash back on everyday purchases (Amazon, restaurants, gas) each quarter.
  • Rewards can be used at Amazon checkout.

CONS:

  • High Annual fee
  • Bonus Categories only activated quarterly
  • Cashback rate is limited to $1,500 per quarter

Credit Needed: Good to Excellent

Find more information HERE.

Citi Double Cash

This card is primarily known for its impressive cash back offering, 2% back on all purchases.

PROS:

  • 2% cash back for all purchases
  • 18 months of no APR, 13.99% to 23.99% thereafter.

CONS:

  • No One-Time Offer
  • Serious consequences if late on payment

Credit needed: Good to Excellent

Find more information HERE.

Blue Cash Preferred Card from American Express

This is a great card for heavy streamers and long commuters. However, it’s the best for grocery shopping with 6% cash back.

PROS:

  • 6% cash back on select US streaming services and grocery stores
  • 3% on gas stations and transit.
  • 1% from all other purchases.

CONS:

  • Welcome bonus requires $3,000 dollars spent
  • High annual fee

Credit Needed: Good to Excellent

Find more information HERE.

American Express Platinum

This is another card designed for the traveler because of American Express Travel, which comes included.

PROS:

  • High reward potential on flights and hotels
  • Comprehensive airport access
  • Luxury travel benefits with Hilton, Marriot, etc.

CONS:

  • $695 Dollar annual fee
  • No Introductory APR

Credit Needed: Good to Excellent

Find more information HERE.

Blue Card Preferred

PROS:

  • 6% cashback at U.S. Supermarkets and on selected U.S. Streaming Subscription.
  • 3% flashback at U.S. gas stations
  • Welcome offer (Earn $350 back)
  • Low intro APR (0% Intro APR for the first 12 months)
  • Flexible payment
  • $25 per month towards Equinox Gym

Cons:

  • $95 Annual fee
  • 15.49%- 25.49% APR (after Intro APR)

Blue Card Everyday

PROS:

  • Welcome Offer (Earn $200 back)
  • 0% intro APR (For first 15 months)
  • 3% cash back on first $6000
  • 2% cash back at U.S. gas stations
  • 1% cash back on other purchases
  • No annual fee

CONS:

  • Low cash back rate
  • Up to 29.99% APR

Upgrade Visa Card with Cash Rewards

The Upgrade Visa Card is one of the best options for people with only fair credit, as you don’t need the highest credit score to attain.

PROS:

  • 1.5% cash back on purchases
  • $200 reward after opening a checking account and making 3 purchases.
  • Lowest APR is 8.99%
  • Fixed rate

CONS:

  • No welcome bonus
  • Highest APR is 29.99%
  • Less flexible payments

Credit Needed: Fair to Excellent

Find more information HERE.

Apple Card

This card is pretty good if you primarily visit vendors with Apple Pay, as it has pretty good cash back for those purchases.

PROS:

  • 3% Cash back on select purchases with Apple Pay
  • 2% Cash Back on other Apple Pay purchases
  • Low APR
  • No late fees

CONS:

  • Low cash back with physical card
  • Low signup bonus
  • Low Cash back rate

Credit Needed: Good to Excellent, though may accept lower scores

Find more information HERE.

Amazon Card

Like the Apple Card, the Amazon card is perfect for those making purchases from the card’s titular brand.

PROS:

  • 3% cash back on Amazon purchases
  • 2% cash back on gas stations, restaurants, drug stores
  • No annual fee

CONS:

  • Doesn’t offer 0% financing
  • Prime Membership not included

Credit Needed: Good to Excellent

Find more information HERE.

Citibank Diamond Preferred

This card is perfect for those who want to avoid interest on balance transfers, at least for the first 21 months.

PROS:

  • 0% APR for 12 months
  • 0% intro APR for balance transfers for 21 months
  • No annual fee

CONS:

  • No ongoing rewards
  • High regular APR
  • Foreign transaction fee

Credit Needed: Good to Excellent

Fine more information HERE.

Meghan the Stallion via Berk Communications for use by 360 Magazine

Hot Girl Enterprise

Grammy Award-winning musician, philanthropist and entrepreneur Megan Thee Stallion and Cash App announced the launch of a limited-edition “Hot Girl Enterprise” Cash by Cash App apparel collection, which is currently available for purchase HERE.

Both Megan and Cash App partnered to co-design the collection, which includes a reversible bucket hat, a T-shirt and 1 bike short. All proceeds from Megan and Cash App’s collaboration on the clothing collection will go toward supporting charitable projects focused on education, housing and health and wellness in Megan’s hometown of Houston as well as across the globe.

“I’m really proud of this apparel collection with Cash App,” Megan said. “Not only did we create a fierce and stylish look for my Hotties, but we’re also giving back to communities in need in a meaningful way.”

The limited-edition collection comes after Megan and Cash App previously partnered to give away $1 million in stock to advocate the importance of financial literacy. As part of the announcement, she also released an investing tutorial on YouTube with Cash App called “Investing for Hotties,” where she educated viewers on various financial concepts, such as dollar-cost averaging and diversification.

About Megan Thee Stallion

Hailing from Houston, Megan Thee Stallion is a three-time, Grammy-winning recording artist, philanthropist, songwriter and ever-evolving cultural icon. From the release of her critically acclaimed and Gold-certified debut album, Good News, to earning two global record-breaking Billboard Hot 100 No. 1 hits with the “Savage (Remix)” featuring Beyoncé, and “WAP” with Cardi B, Megan has proven unstoppable.  Megan has been recognized for her musical achievements with three GRAMMY wins, including Best New Artist and nine BET Awards.

Megan was also honored as one of TIME’s 100 Most Influential People of 2020. In October 2020, following a powerful and politically charged performance on Saturday Night Live that demanded justice for Breonna Taylor, Megan published her monumental “Why I Speak Up For Black Women” op-ed and accompanying visual with The New York Times.

About Cash App

Cash App is the money app. It’s the easiest way to spend, send, store, and invest money. Sending and receiving money is free and fast, and most payments can be deposited directly to a bank account in just a few seconds. With Cash App, customers can also invest in their favorite companies with as little as $1, buy and sell Bitcoin instantly, get a paycheck deposited right to the app, create a unique $cashtag to share with anyone to get paid fast, and use the Cash Card to spend the money anywhere they’d like. Download Cash App for free HERE.

Bts illustration by Kaelen Felix for 360 magazine.

All You Need To Know K-POP

By: Conan Zhang, Elle Grant × Kai Yeo

Korean pop music, known as K-Pop is becoming a global force. With forceful sounds, charismatic performances, and colorful concepts, it is a maximalist’s dream perception of music. The fans are dedicated, if not overwhelming in their dedication to their favorite artists. Recently, the political successes of K-pop fans are making just as many headlines: fans crashed Donald Trump’s Tulsa rally and have been at the forefront of vocalizing issues related to Black Lives Matter. Who are the artists that inspire such loyalty and such action? Read into 360’s introduction to some of the twenty-first century mainstays below.

Seo Taiji And Boys

Debuted in 1992, Seo Taiji and Boys were and influential 3-member band and are known as the first “boy group” in K-pop industry consisting of Seo Taiji himself, alongside fellow members Yang Hyun Suk and Lee Juno. Their debut single, “Nan Arayo (I Know),” was an instantly catchy hit that topped the charts for a record-breaking, seventeen consecutive weeks and propelled the group to pop mega-stardom.

In April 2017 it was announced that Seo Taiji was assembling a group of modern K-Pop acts to cover songs from his past to celebrate the 25th anniversary of his debut with Seo Taiji and Boys. The first act announced for the project was BTS,  with other acts including Urban Zakapa and Younha. The first single from this project, a cover of “Come Back Home” (from Seo Taiji and Boys IV) recorded by BTS, was released with a music video on July 5, 2017.

In case you’re new to K-pop, it might be helpful to add that BTS was also invited by Seo Taiji to perform their rendition of Come Back Home and other acts at their 25th anniversary concert.

PSY

Heard of Gangnam Style? Born Park Jae-sang on December 31 1977, he is better known as the artist PSY. He is a South Korean singer, rapper, songwriter, and record producer. PSY is famous in Korea for his funny videos and stage performances. After releasing Gangnam Style on 15 July 2012, the video crossed over 2 billion views in less than two years (so many that it broke YouTube). This song can also arguably be named the first breakout Korean hit to become popular in the West. The song’s refrain was entered into The Yale Book of Quotations as one of the most famous quotations of 2012.

Since his international success, PSY has gone on to found his own record company P NATION and currently mentoring other artists.

Big Bang

No introduction needed, Big Bang is a South Korean boy band under YG Entertainment. The group consists of four members: G-Dragon, T.O.P, Taeyang, and Daesung; They are named as “Kings of K-pop,” Bigbang have greatly helped spread the Korean Wave internationally. A fifth member, Seungri, left the group and the industry in disgrace following an the Burning Sun sex scandal, of which he was an organizer, a moment that blighted K-pop’s reputation at home.

Eighteen of Big Bang’s singles have been number one hits in South Korea and have remained atop the Melon charts for a record 51 weeks. The group has sold over 150 million records globally, which rank them among the best-selling boy bands in the world. Forbes Korea ranked them as one of the most powerful celebrities in South Korea from 2009 to 2016 (placing 2nd in 2009, 2012 and 2014, and they were the first Korean artists to be included on the Forbes Celebrity 100 and 30 Under 30 list of most influential musicians in the world (2017).

Currently with 4 members discharged from military service, fans are eagerly waiting to see what happens next.

CL 

Lee Chae-rin, better known by her stage name CL, rose to fame as girl group 2NE1’s leader in 2009, one of the best-selling girl groups of all time. As a solo artist, CL made her debut with “The Baddest Female” in 2013 and has continued to pursue her own career following the group’s hiatus in 2015. The release “Hello Bitches” (2015) led CL to become the first female Korean solo artist to place onto the Billboard Hot 100, and the third Korean artist to do so overall.

In November 2016, YG announced the disbandment of 2NE1 after nearly two years of hiatus, and CL subsequently remained under the label. Shortly after leaving YG in December 2019, she released her solo EP project In the Name of Love (2019), consisting of six tracks written during the three years since her previous single “Lifted.” Her debut studio album, Alpha, was released in October 2021.

BTS

BTS, an abbreviation for Bangtan Boys, was formed in 2010 while the group debuted in 2013. The team is made up of seven members including Jin, Suga, J-Hope, RM, Jimin, V, and Jungkook. The members co-write and co-produce almost every song that they perform, marking a shift in the K-Pop industry to including artists in the songs they sing and promote.

Originally intended to be a Korean hip-hop group, they are now producing music in a wide range of genres. Their songs often focused on personal and social hot topics, mentioning mental health, troubles of school-age teenagers.

Having sold over 20 million albums on the Gaon Music Chart, BTS is now the best-selling artist in South Korean history and holds the best-selling album in South Korea with the work Map of the Soul: 7. The group’s numerous accolades include six American Music Awards, nine Billboard Music Awards, 24 Golden Disc Awards, and nominations for a Grammy Award and a Brit Award. They are undoubtedly the current Kinds of K-Pop and have broken through to Western popularity unlike any other artist.

BLACKPINK

Blackpink is a girl group formed by YG Entertainment, featuring four team members: Jisoo, Jennie, Rosé and Lisa. In August 2016, they debuted with their single album Square One, which is features the extremely popular songs “Whistle” and “Boombayah.”

Blackpink is ranked as the highest-charting female Korean act on the Billboard Hot 100 and they broke a huge number of online records since they released “Kill This Love” (2019) and “How You Like That” (2020), each become the most-viewed music video within the first 24 hours of release. Though this record was eventually broken by BTS, it is nonetheless just one of many examples proving the quartet’s impact on society.

IU

Lee Ji-eun is well known as IU. She is a South Korean singer-songwriter and actress. The name IU is a combination of the letters ‘I’ and ‘you’ which means “you and I become one through music.” She debuted as a singer when she was fifteen with her first mini album Lost and Found (2008). Her work “Good Day” won her five consecutive weeks at the top position of South Korea’s Gaon Digital Chart. In the year of 2019, “Good Day” was ranked number one on Billboard’s “100 Greatest K-Pop Songs of the 2010s” list.

NCT

NCT are a K-pop group created by SM Entertainment. NCT stands for Neo Culture Technology, and the idea is that they’re a group of infinite members who are constantly shifting into different sub-units in different cities around the world. Currently consisting of 5 sub-units – NCT U, NCT 127, NCT Dream, NCT 2018, WayV.

Currently, NCT is made up of 21 members – we know, it’s a handful! The members are: Taeil, Johnny, Taeyong, Yuta, Kun, Doyoung, Ten, Jaehyun, Winwin, Jungwoo, Lucas, Mark, Renjun, Jeno, Haechan, Jaemin, Chenle, Jisung, Xiao Jun, Yang Yang, and Hendery.

After debuting in 2016, they have won 7 awards from 19 nominations and are continuing their stardom today. Pionerring the “noise music” trend and have so far been the only ones that do it well – “Simon Says.” Find out more information about them through their show NCT Life streaming on YouTube for free.

TWICE

Like many of today’s K-pop acts, Twice originated from a reality competition show. The 2015 series Sixteen involved that many JYP entertainment “trainees” – the term used for aspiring idols-in-training, preparing for a potential debut. After a series of challenges and fighting for a place in the final lineup, the remaining nine formed a new ensemble, also known as Twice.

After the announcement of the label’s new girl group, founder and CEO of JYP explained that Twice refers to the act of making an impact “once through the ears and once through the eyes.” As so, the group’s fame has been propelled by hit after hit of vibrant sound through bright and colorful music videos. Their unique sound can be heard especially in “TT” and “Cheer Up.”

More on K-pop

These men and women are just of a few forcing open the door to K-Pop in the west after being mainstays in South Korean and Asian popular culture for years. This list features artists from the first to third generation of K-Pop stars, known as the generations to push international boundaries of popularity. In this new decade of the twenty-first century, K-Pop is more popular than ever. Stars of the fourth generation, coinciding with the Gen Z age group, are achieving international successes early on in their forebearers above could only dream of just years ago. A great deal of this success is owed to the listed artists, who have collectively decades breaking barriers and sharing music. New groups like ITZY, TXT, Ateez and Enhypen are achieving new heights, learning from the elders while paving the way for the future.

Twitter’s Future with Bitcoin

By: Sean Fontno, Elle Grant × Vaughn Lowery

Jack Dorsey always had a niche for technology. Back in 2000, he thought to himself, “What if you could share your status with all your friends really easily, so they know what you’re doing?” 6 years later, Jack Dorsey posted the very first tweet: “just setting up my twitter,” and became the company’s chief executive officer. In 2010, Dorsey started investing in the social networking company Foursquare and launched “Square.” Square lets people receive credit card payments through a mobile phone or computer. With his knowledge of social media and Square, it doesn’t seem like much of a surprise for Dorsey wanting to bring Bitcoin and Twitter together, creating something that can quickly connect people and their money.

What is Bitcoin? It’s a currency created back in 2009 by an unknown person using the false name of Satoshi Nakamoto. Have you ever been to the arcade or to the casino and received tokens or chips? Similarly, you must exchange real currency for cryptocurrency. Cryptocurrency is a digital currency that’s just like the normal United States Dollar (USD) but is protected by cryptography, which makes it impossible for scammers to attack this form of currency. It allows you to make payments online and money is easily moved place to place, account to account, with no credit card fees. With cryptocurrency being decentralized, YOU own that money. 

Along a contributing factor to this evolution in currency technology are NFTs. NFTs (non-fungible tokens) are the tokens used to buy things in cryptocurrency. NFTs helps the owner, artist, etc, earn a percentage of all the sales. It protects the unique original work being sold because in this day in age, everything is being used for something and wouldn’t you want your rightly earned money for that? They create an immutable record, keeping note of every sale. It’s the new modern step to your work or business. All you need is a smart device and an internet connection, and with just those two things, Dorsey’s goal to reach a worldwide audience will definitely be achieved. Especially as there are already 192 million daily active users on Twitter. 

Jack Dorsey sees a new chance to bring cryptocurrency into Twitter in the modern moment. Dorsey, who has been supporting Bitcoin for years, even discussed with his investors about the next steps. He told them it would help the company keep up with new market strategies. He explains how the native currency can help them move products like Super Follows, Commerce, Subscriptions, and Tip Jar. Dorsey sees this as an opportunity to “…reach every single person on the planet,” instead of doing the regular market-to-market approaches. So, Dorsey’s goal to always stay connected with people continues to be in play.

Bringing Bitcoin to Twitter seems like it will give businesses from small to big an option to increase profits and reach more audiences. With Bitcoin, you can create your own fees, avoid fraud, and kiss “three business days” goodbye! Having these benefits accessible on Twitter could be the next step for the social media of the future.