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How meticulous are you about saving your spare change? This app can help

(TECH NEWS) We all know that keeping track of pennies and nickels can get annoying so Cents has been created to help you save you some time and effort.

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cents

Cents add up

Many people today are pretty careless with their change, often just sort of leaving it about until it somehow disappears. (My theory is that it goes to the same place that at least one sock always seems to go after being put into the dryer.)

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Those who keep some sort of a change bank, however, can likely attest to the value of saving your spare change. You might be surprised at how quickly it seems to add up.

Digital piggy bank

Life happens, as they say, and especially during those times when you’re scraping by on your last dollar, it’s always great to remember you’ve got an extra couple bucks stashed away. There’s a reason Coinstar machines are as prevalent as they are, after all.

For those that may be unaware, app developers and baking institutions have taken note of the value of spare change, in turn creating their own digital piggy banks. The most common shared feature among these apps and programs is the idea of “rounding up” debits.

Essentially, they round up debits to the nearest dollar amount, and place the change in a separate account.

Some, such as apps like Digit and Qapital, place the change into a savings account. Others, such as Acorn, invest the spare change in the stock market. Newest to the bunch is the aptly named app, Cents.

New app on the block

Much like the app Qoins, Cents rounds up the users’ purchases and places the change into an account that is then used to make payments toward the users’ pre-existing debt of choice.

Commenting on the similarities between the two apps, Lead Developer Robert Preston states that the “primary difference is in execution.

“From day one, we’ll support over 10,000 financial institutions that we can connect to and pull your data from including bank accounts, credit cards, student loans, auto loans and mortgages.” Further, he adds that they have “spent a lot of time perfecting the UX/UI of (our) onboarding process to make it smooth and quick to complete.” As such, he hopes that the vast number of institutions they are able to work with, as well as the ease of use and design of the app will give Cents the edge over its competitors.

One caveat

Full disclosure, I cannot vouch for any of that. I have tested neither Cents, nor Qoins. However, I can very much say that the idea has merit. Saving my spare change has saved my bum on several occasions.

And, like many, I am better acquainted with debt than I would like to be.

Pitting one’s spare change against the Hydra-esque monster that is debt may seem like an unfair fight. And, true, you will not pay off your school debts with the spare change saved from debit purchases alone. However, you may be surprised at the comparatively large chunk of debt that may begin to disappear overtime. Who knows- you may find that you are able to pay off that six-year loan in four years. And really, that’s still a completely valid win.

Battle of the apps

Again, I have tested neither of the apps, so I cannot honestly state which one I prefer. However, I can say that while Qoins is currently $1.99/month and Cents is $1/month.

So, if you’re really pinching pennies, there is that piece of information to help you decide.

#Cents

Andrew Clausen is a Staff Writer at The American Genius and when he's not deep diving into technology and business news for you, he is a poet, enjoys rock climbing, monster movies, and spending time with his notoriously naughty cat.

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2 Comments

2 Comments

  1. Robert Preston

    May 4, 2017 at 11:12 am

    Thanks for the article Andrew! We’ll drop you a line when you can test it out yourself.

  2. Pingback: Millennial women share about how they spend (and save) money - The American Genius

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Tech News

Google is giving back some privacy control? (You read that right)

(TECH NEWS) In a bizarre twist, Google is giving you the option to opt out of data collection – for real this time.

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Open laptop on desk, open to map privacy options

It’s strange to hear “Google” and “privacy” in the same sentence without “concerns” following along, yet here we are. In a twist that’s definitely not related to various controversies involving the tech company, Google is giving back some control over data sharing—even if it isn’t much.

Starting soon, you will be able to opt out of Google’s data-reliant “smart” features (Smart Compose and Smart Reply) across the G-Suite of pertinent products: Gmail, Chat, and Meet. Opting out would, in this case, prevent Google from using your data to formulate responses based on your previous activity; it would also turn off the “smart” features.

One might observe that users have had the option to turn off “smart” features before, but doing so didn’t disable Google’s data collection—just the features themselves. For Google to include the option to opt out of data collection completely is relatively unprecedented—and perhaps exactly what people have been clamoring for on the heels of recent lawsuits against the tech giant.

In addition to being able to close off “smart” features, Google will also allow you to opt out of data collection for things like the Google Assistant, Google Maps, and other Google-related services that lean into your Gmail Inbox, Meet, and Chat activity. Since Google knowing what your favorite restaurant is or when to recommend tickets to you can be unnerving, this is a welcome change of pace.

Keep in mind that opting out of data collection for “smart” features will automatically disable other “smart” options from Google, including those Assistant reminders and customized Maps. At the time of this writing, Google has made it clear that you can’t opt out of one and keep the other—while you can go back and toggle on data collection again, you won’t be able to use these features without Google analyzing your Meet, Chat, and Gmail contents and behavior.

It will be interesting to see what the short-term ramifications of this decision are. If Google stops collecting data for a small period of time at your request and then you turn back on the “smart” features that use said data, will the predictive text and suggestions suffer? Only time will tell. For now, keep an eye out for this updated privacy option—it should be rolling out in the next few weeks.

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Looking to refresh your virtual rooms? Check out Zoom’s Immersive View

(TECH NEWS) Zoom’s new Immersive View feature will help you feel like you’re back in the workplace or classroom again – or wherever you want to be.

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Zoom's new Immersive View allows users to be creative and place participants on landscapes, like this field of flowers.

If you’re tired of feeling separated from your coworkers, friends, or classmates, Zoom has a new feature that will make you feel like you’re all in the same place once again. At Zoomtopia, Zoom’s annual user conference, the company announced its Immersive View feature that they say will allow for a “more engaging and collaborative way to meet”.

With Immersive View, video participants can all be arranged in a single virtual space. Hosts can choose from one of Zoom’s immersive virtual scenes and embed video participants within that scene.

To make sure your scene is as natural as possible, hosts can move around and resize a participant’s image so they can look like they are sitting on a chair in a classroom or conference room. For added fun, you can even set a custom background. So, if you’d rather be part of the Galactic Senate Chamber, you can create your own scene.

Up to 25 video participants can be in the same virtual space. Any additional people after that will show up as a thumbnail strip on the top of the screen. And, at any time, you can change the view back to Speaker View or Gallery View if you want to.

How to get started with Zoom’s Immersive View
Immersive View is available on Windows and macOS for desktop. By default, all Free and single Pro accounts using Zoom 5.6.3 or higher will have the feature enabled.

To use the feature, first start your Zoom meeting or webinar on your desktop. In the top-right corner, click “View” and select “Immersive View”.

To place participants into the scene, choose between automatically and manually. By choosing automatic, as many participants as the layout will allow will be added to the scene. If you choose manual, you can add and remove participants as you’d like. Since Immersive View will use the first 25 participants, manual works well for larger meetings. If participant No. 26 needs to speak up, you can remove someone and add No. 26 in.

After you’ve made your choice, select one of the provided virtual backgrounds or upload your own image. If you choose to use your own custom background, make sure to follow Zoom’s virtual background specs for the best results.

Finally, click “Start” to launch your scene, and, now, you’re all set!

Those that aren’t using Zoom 5.6.3 or higher will not be able to see the Immersive View. Instead, they will see either the Gallery View or Speaker View with a black background.

Currently, Immersive View isn’t available in breakout rooms yet. Also, recordings of Immersive Views aren’t supported. Depending on your recording settings, recordings will appear in Gallery View or Speaker View.

Considering all the video call fatigue going on right about now, the timing of Zoom’s Immersive View feature couldn’t come at a better time. It will be refreshing to see a video call without just heads inside boxes.

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Tech News

Create a pandemic-friendly sign-in with this touchless technology

(TECH NEWS) In an era where touchless communication is paramount, Wellcome brings touchless employee and visitor sign-in technology to the workplace.

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Logo page for Wellcome, a touchless technology sign-in.

Touchless technology is becoming more and more common these days and for good reasons — health and safety. Due to the COVID pandemic, social distancing is crucial in helping decrease the amount of positive coronavirus cases.

Unfortunately, some work environments require in-person employees, contractors, and visitors. And now, some businesses are even starting to bring more of their workforce back into the office. While we can hopefully assume they all have some safety protocols in place, the front desk interactions haven’t changed much. This makes it difficult to manage and see who’s in and out.

But to fill in that gap, meet Wellcome. Wellcome is a touchless sign-in platform for employees and visitors. According to their website, the app “helps you manage the workplace effectively, making it safe and easy for everyone” who’s in the office.

And the platform does this by implementing the following features in its tool.

Employee Touchless Check-in
By uploading a list of employees to the Admin, employees automatically receive an email with a one-click “Wellcome Pass”. This pass can be added to their Apple or Android digital wallet.

Once at work, employees scan their pass on an iPad at the reception desk. Then, they will see a customizable confirmation screen with the company’s health and safety guidelines messaging. This reminder can help ensure everyone is following the rules and staying safe.

Visitor Touchless Check-in
For visitors without a Wellcome Pass, they can still scan the QR code on the iPad using their device. The QR code will direct them to a customized check-in form where they can select their host and fill out a health questionnaire on their mobile device.

COVID-Safe Visitor Screening
Based on how a visitor answers the health screening questionnaire, it will grant or deny them access to the office. This health COVID screening will help HR managers “protect the office by restricting access to visitors that might be infected.”

Host Notifications
Via email, Slack, and/or SMS, Wellcome will immediately notify the host when they have a visitor and send them the visitor’s contact details. It will also let them know if their visitor was granted or denied access based on the health screening. If a visitor is denied access, the host is instructed to not meet the visitor, but contact them another way.

Contact Tracing
If there is a potential or confirmed COVID-19 case at work, Wellcome makes it easy to identify and notify anyone who may be at risk. To do this, the HR manager just needs to search by a person’s name and date range in the Admin. Search results will pull up anyone that could have come in contact with the infected person.

The Admin will also notify all employees and visitors that need to self-isolate and get tested. If needed, Wellcome also lets you download and submit a tracing report.

Manage Office Capacity
Wellcome tracks workplace capacity and occupancy data to help maintain social distancing. If occupancy reaches the capacity limit, the Admin will be notified to “take steps to reduce occupancy in order to stay within the required limits.”

In the Admin Dashboard, reports are available to view the status of current capacity. It can also predict what the occupancy will be each day so companies can plan ahead.

Book Workdays
Employees have the option to pre-book when they want to come into the office. The app displays how many slots are available for each day, and it can send out a calendar reminder. Through the Admin, HR managers can see who will be coming into the office. This is Wellcome’s other way of making sure capacity limits are always within range.

Also, setting up Wellcome is pretty simple. All you need is an iPad. You install the app on it and leave it at the reception desk for employees and visitors to check-in.

For companies who have employees and visitors in and out of the office. Wellcome does sound appealing, and it looks like they will benefit a great deal from the platform. And, if you’d like to check it out, Wellcome lets you use the app free for 14 days. Afterwards, you can select a plan that works best for you.

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