M1 Finance is an investment and banking service for tech-savvy DIY investors. They encourage long-term investments to build sustainable wealth to carry you into retirement.
In other words, this isn’t a service for day traders or beginners (or at least, not for beginners who don’t fancy a bit of research). In our M1 Finance review, we’ll look at the platform’s features, pros and cons, and pricing to determine who is a good fit.
M1 Finance lets technologically savvy investors manage their investments and money in the same place. The service offers a variety of benefits and tools for investors, such as:
That said, M1 Finance is built for do-it-yourself investors who don’t need an advisor guiding their decisions. The service combines automation, FAQs and blogs, and “expert” portfolios to point you in the right direction. But at the end of the day, every trade decision is yours to make.
M1 Finance offers four accounts to choose from: Invest, Borrow, Custodial, and Spend. Each provides ways to customize your financial journey, although features vary based on whether you use M1 Basic or M1 Plus. (We’ll cover the differences in our pricing section.)
M1 Invest offers users the choice of four investment accounts:
Once you’ve chosen your account, you can buy whole or fractional shares of any stocks and ETFs of your choice. Or you can pick one of the site’s 80 “expert portfolios” to model your own investments after if you’re unsure of yourself.
If you don’t have enough money in your account to complete a trade, the M1 Borrow margin account has your back – as long as your portfolio is worth at least $5,000. You can borrow funds at 3.5% interest in a basic account or 2% interest with a Plus account.
M1 Finance Plus members can also open a custodial investment account for minors. With this account, you can give your kids and grandkids a head start with a well-funded, diversified portfolio.
Users can deposit and trade funds until the designated user reached the age of majority in their state (usually 18 to 21). After that, the recipient can cash out their account or transfer the securities to an account in their name.
M1 users can also open a Spend, or checking account, complete with a debit card. The account links with your investment account so you can move money around as needed.
M1 Finance offers a host of features and benefits for its users. Let’s take a look at some of the best.
Pie investing is simple. Each stock or ETF represents one “slice.” The size of each slice shows you how much of your portfolio is comprised of that one security. Then, the outside edge of the pie grows or shrinks based on how much money you pour into your investments.
The goal of pie investing is to provide users with a simple visual chart of their portfolio. When you first sign up, you’re invited to build your first pie by selecting investments and customizing each “slice” as an introduction to the platform. Then, you can save your pie or build a new one later.
And if you’re not confident in your investing skills, M1 offers 80 “expert” portfolios to model your own investments after!
M1 offers automated, dynamic rebalancing to keep your portfolio within your specified limits. By accounting for both your deposits and the price fluctuations of your assets, they can help you reduce drift. You can also rebalance your portfolio manually at any time.
M1 Finance is one of a few robo-advisor services that charges no trading or portfolio management fees for its basic account. Plus, you don’t have to pay to deposit, move, or withdraw funds.
M1 Finance is a DIY investment platform. That said, they don’t leave you completely in the dark. With dozens of FAQs and blog articles (not to mention its newsletter), you can brush up on investing and saving tips, retirement strategies, and improving your investment approach.
Both M1’s desktop portal and mobile app are designed to be simple, clean, and fully functional. Both guide you through the sign-up and investment process in just a few simple steps. And once you’ve funded your first investment, they provide plenty of dashboards to track your progress and move your money.
Every service comes with its pros and cons. And if you’re new to investing, M1 Finance’s downsides are doozies.
As a DIY investment service, M1 is sorely lacking when it comes to beginning investor resources. While their blogs and newsletter articles cover the basics, M1 doesn’t offer any advisory services to get you started. Plus, they lack both a beginner’s questionnaire and goal-setting abilities to help you track your progress and risk tolerance.
Unfortunately, M1 also falls behind with its customer service, with only phone and email support available. Even then, many users report receiving subpar service or being directed toward the website’s FAQs for answers. And with no financial consultants on board, all interactions are limited to using the website.
If you’re interested in diversifying your portfolio beyond stocks and ETFs, you’ll have to look elsewhere – that’s all M1 Finance provides. (Aside from its Spend account, of course.)
The basic version of M1 Finance is free for all users. With this account, you’ll get:
But if you’re willing to shell out the $125 per year for M1 Plus, you’ll upgrade to features such as:
M1 Finance serves investors who want to take charge of their financial future with self-guided investments and a clean, well-designed platform.
While you have access to customizations galore, you’re also responsible for doing your own research, understanding basic market trends, and knowing whether an active or passive approach is right for you.
The construction industry ranks second in the United States for fatal injuries to workers under the age of 18, according to the US National Library of Medicine. Since one in ten workers is injured each year, these figures are not a surprise. Working in construction can be dangerous even if safety precautions are taken. Construction is a necessary part of life, especially as it relates to the growth of sustainable cities and communities. It is important to know the risks and the laws of the industry, and know the best practices to follow to avoid injuries.Read More
Are you someone who doesn’t like extreme temperatures? Then, visiting Germany in the summer months would be a treat for your soul!
Germany is one of the countries you can’t miss while on a Euro trip. From going on a pleasant hike to strolling in unspoiled countryside to spectacular beach spots to numerous outdoor activities. The country has everything all together to make your summer holidays memorable and better than ever!
Get to discover Germany like never before with five reasons to visit the dynamic country during summer months:
If you want to witness the real charm of Germany then you should visit the Neuschwanstein castle in summer months. Why? It is one of the most popular tourist attractions. And it’s not the only reason to visit the dreamy castle. The castle was built in 19th century and almost 1.5 million visitors go there to fulfill their Disney movies fantasies come true!
Did you know that Sleeping Beauty’s castle was inspired by the ever-popular Neuschwanstein castle? And also the castle is known to be the most photographed building in the world.
Since there is no bad time to visit the incredible castle. However, it is said that mild weather, school holidays, and longer hours of summer months make the experience of visiting Neuschwanstein castle far more fun and exciting!
In the states of Bavaria and Baden Wurttemberg, you’ll get to visit numerous wonderful castles there! Henceforth, Germany has no shortage of other fascinating castles as well. The best way to explore Neuschwanstein castle is by car. This way, you’d get to see all the wonderfulness of Germany’s castles, at affordable prices.
In case, you’d get into any car trouble while traveling around in Germany.You can get the best-all-rounder car parts with Kfzteile24 gutscheincode. Make sure to use Kfzteile24 gutschein code to avail the high-quality service within your budget!
Are you into UNESCO World heritage site or famous historical attractions? Then, you should add Sankt Goar to your summer holiday places to visit in Germany!
It is one of the best places to visit in Germany during summer season. The picturesque town is located by the bank of the Middle Rhine. Sankt Goar would be the perfect escape from the mandatory life routine. Explore the Rhine valley region and visit the cute small town to reward your summer holidays.
Rhine Cruise is the best way to discover the beautiful small town and fill your memories with the spectacular views of fairytale castles. The little town has a lot more to offer from the vineyards, rolling hills to the famous festival of The Rhine in flames to witness the charm of the stunning firework display, to Stefan Wine Paradise (one of the most loved stops by travelers), popular museums and a lot more. The views are cherry-on-top on a sunny day. So, make sure to check out the small town to make your summer holidays unforgettable!
How can any trip to Germany be completed without mentioning Berlin?
The capital of Germany is home to many famous tourist spots. But there is a lot more to the city than modern, diverse architectural sites to River Spree or Berlin Wall. If you are someone who loves art then the city central borough aka Mitte is the place you should check out definitely.
The rich history of the country can be experienced through cultural institutions, art galleries, Museum Island, and a lot more. The freezing temperatures of winter make it nearly impossible to even reach the castle. Therefore visiting Berlin to create memories is during the summertime.
Frankfurt Book Fair is known to be one of the best as well as most important book fairs in the world.
The first-ever Frankfurt Book Fair was held in 1949. It still holds its values as Frankfurt Book Fair is known globally as a marketing event for launching books, to new authors get the chance to be recognized and connect with publishers to gain knowledge regarding international publishing rights.
Almost, 110 countries get the opportunity to exhibit and nearly thousands of books, audiobooks, e-books, and digital products are launched at the Frankfurt Book Fair. It is no less than a magical event for all bibliophiles out there. Apart from various reasons to visit Germany in summer, the Frankfurt Book Fair remains one-of-unique reasons!
Do you know of a country in Europe that has extraordinary beaches as well as breathtaking mountains? Well Germany has it all! This is country situated in central Europe that provide you with different horizons in one land.
There is a lot more to Germany than beautiful castles or rich historical architecture. If you want a pleasant escape from mundane city life then, you should check out the undeniably artistic German landscapes.
The delightful horizons are a treat to the eyes. Southern Germany has a wide range of mountains. It’s a perfect spot for all the summer activities. Enjoy your vacations in stress-free zone with the pleasant walks in countryside. You can also go for a swim in lakes to take a hike to your favorite destination spot. You’ll come with lifetime memories!
Be it café-sitting, park lazing or visiting rich historical sites, to a lot more. A Euro trip can’t be completed without visiting Germany.
You can explore the city to the fullest by taking public transport or by driving! During your road trip if you face any difficulties with your car, you can use 50% Off Kfzteile24 gutscheincode to avail Kfzteile24 services or auto parts any time. Your road trip will run smoothly with our affordable prices and reliable Kfzteile auto parts. So contact us now for the best codes you will ever receive.
Monika Meyer is an auto parts consultant, who enjoys traveling by road to different Germany tourist spots. In her spare time, she likes to read and write posts about German travels and road trip safety precautions.
Do you wish to start a new business in 2022? Starting a small business is a perk on its own. It gives you freedom from 9 to 5 jobs. But, at the same time, it provides you enormous opportunities to earn income passively. You’re lucky enough if you’ve landed here. Why?
We’ve compiled the list of best business ideas that are worth trying. To stop this, you don’t need to make such considerable investment and require little expertise.
So, what are you waiting for? Let’s get started.
Would you like to start a business without investing any money? Blogging is the simple answer. To be a successful blogger, you can start your blogging website or write guest blogs for other sites. Blogging would be a great idea for women, college students, and people who want to generate passive income.
Do you have a specialty in any of the courses? Then you can sell courses online on platforms like Coursera, Udemy, and other online platforms.
Even if you have simple DIY hack expertise and any other talent you want to share and earn maximum income, start recording video and earn income. You can start recording videos with your smartphone and sell your courses online.
Starting a small restaurant is challenging, especially when you need to compete with huge restaurant chains. One way to stand out is to start a food delivery service. It will take minimum investment and run your business even from your home.
You might have seen many people migrate to other cities for work and studies. But, they prefer to have home-based food to eat. So, it would be great to start your food delivery services and prepare quality meals to serve the clients.
Maryland Betmgm is a sportsbook platform that is also best for earning income online. This is a legal sportsbook platform to bet online and make passive income. However, you will be at greater risk of losing money online. So, play safer.
The freelance content writing business is in great demand these days. It requires only a robust internet connection and computer/laptop. On the contrary, you only need to have a good command of English, and there is no other specific degree requirement.
But it would be a plus to have prior experience in writing; then, freelance content writing is excellent. In addition, there are platforms like Freelancer, Upwork, and Fiverr. You can also build a network to start your writing business without paying any cost.
Many small company owners and solopreneurs are desperate for assistance and are willing to pay for it. What’s wrong with taking advantage of this opportunity by providing virtual assistant services to such busy business owners?
You may assist them with scheduling appointments, sending and responding to emails, making phone calls to clients, answering customer questions, and much more. The greatest feature is that you really can accomplish all of this without ever having to leave your house.
There is a drastic change in the studies platform in a pandemic crisis. Schools start taking online classes on Zoom and Google meets. If you would like to start your own business, then home tutoring/online business ideas would be great to start.
You don’t need to invest in starting this business. All you have to do is join an online teaching platform and start teaching online. If you have any teaching specialty, choose the course and start teaching online. It will help to earn passive income.
Today, people prefer to have handmade crafted things to decorate their homes. Moreover, handcrafted things are excellent for gifting purposes. If you have any skills in designing handicraft items such as beaded bags, mittens, and any other handicraft items, start selling them online on platforms like Etsy.
Moreover, you can also create your online business account on social media platforms like Instagram and start selling your handmade crafted items online. First, you have to create the list, build the network, and start selling.
Many social media influencers hire social media managers to manage their websites. So, if you are good at handling social media accounts and post, comment, and update on behalf of the influencers, then it would be a great way to start your small business and earn passively through social media platforms.
Affiliate marketing is perfect for 9-to-5 employees, stay-at-home parents, and anybody searching for a side hustle. You locate a real or digital product that you want to market, attract attention to it, and hope to earn a sale. You are paid a commission every time that product is sold.
For example, you can join the Amazon affiliate program and sell products. For each visitor who purchases the products from the link, you will receive a 10% commission.
Starting your own business is a lot of fun and riskier at the same time. So, here are the nine best business ideas which you can start with least or no investment. Therefore, it would help generate profitable outcomes and give you freedom of earning.
Maybe you enjoy getting creative in the kitchen and are inspired by ingredients? Keep reading to find out how to make it a success.
Food blogging is a huge industry experiencing continual growth. Before starting your food blog, consider the pros and cons detailed below.
With such variety in the food blog market, selecting a niche is the first – and most important – step to creating a successful food blog.
Here are some ideas to get you thinking.
There are a wide variety of different categories of food blogs. Here are four types of food blogs including examples to help inspire you on your food blogging journey.
Ketogenic and low-carb diets are popular with people wanting to lose weight, improve their mental function, and benefit their health. However, it can feel quite restrictive and difficult to adapt to.
A good keto/low-carb blog focuses on how to transition to a keto diet and what to expect. They include information about the health benefits of adopting a low carbohydrate diet.
This type of food blog can also demonstrate how to prepare enjoyable and indulgent meals.
Source: Screenshot from Lowcarbdietitian.com
Lowcarbdietitian.com is written by a dietician and is full of advice on the health benefits of low-carb eating. In this blog, you’ll find lots of proven accurate, useful information and support if you’re trying to control your blood sugar and achieve a healthy weight. In addition, you’ll find tips to help you improve your overall health and vitality, and of course, there are lots of great low-carb recipes you can try.
Source: Screenshot from Carbophobic.com
Carbophobic.com takes you through the basics of starting a keto diet with lots of beginner tips. If you’re wondering whether keto is the right diet for you, you should be able to find the answer right here. As well as learning the basics of keto, there are lots of low-carb recipes you can try for breakfast, dessert, or your main meal.
Source: Screenshot from Marksdailyapple.com
Marksdailyapple.com is full of articles, fitness tips, and recipes related to the keto diet. The blog is run by Mark Sisson, a practitioner of the Primal Blueprint approach to health, wellbeing, and weight management. He founded the site in 2006 to fulfill his personal mission to empower people to take responsibility for their own health and enjoyment of life. He was one of the first bloggers to write about the Paleo movement.
Broad food blogs are not restricted to certain diets or eating practices. They cover information that a wide audience can relate to.
There are options to provide informative articles, how-to guides, and recipes. This makes it a popular choice if you don’t want to restrict your blog to one particular food area.
There are opportunities for collaborating with other bloggers and featuring a range of content types.
Source: Screenshot from Chefspencil.com
Chefspencil.com is an international food magazine aimed at cooks of all levels. It was launched in 2009 by a Dutch chef based in Australia, and you’ll find how-to guides and recipes from chefs at the height of their profession. Whether you’re a home cook or professional chef, you’ll find lots of exciting recipes, news from the culinary industry, professional cooking advice, and lots of tips. There’s even some help if you’re looking for a culinary school in your area. You can also follow them on Facebook, Pinterest, or Instagram.
Source: Screenshot from Justapinch.com
Justapinch.com contains a wealth of tried and tested recipes with seasonal cooking ideas for home cooks. Just a Pinch is more than just a recipe site. It also provides a network of tools to help you prepare some amazing meals. Sign up and become a member and you can search, rate, and comment on thousands of recipes. It’s quite a community of hometown cooks.
Source: Screenshot from Easyrecipedepot.com
Easyrecipedepot.com was created to showcase easy-to-make recipes that taste delicious and save time. Carrie is a busy mom, wife, and small business owner, and her goal is to deliver delicious dishes anyone can make easily and quickly. Carrie also runs several other blogs in which she shares more recipes, home decorating ideas, new craft ideas, and much more.
This category offers the opportunity to combine an interest in food with a particular health perspective.
It can include different lifestyles or fitness practices. Some examples include yoga, personal training, or the treatment of health conditions.
There is plenty of variety within this category which means you can tailor your blog to suit different readers.
Source: Screenshot from Flaxseedsandfairytales.com
Flaxseedsandfairytales.com is created by a meditation teacher who shares tips and recipes that promote relaxation. As a certified group fitness instructor, meditation coach, and health blogger, she’s helped thousands of people achieve their goals of optimal health and happiness. The recipes she includes on her site are keto recipes for beginners, healthy recipes for weight loss, paleo pie recipes, vegan keto recipes, and much more.
Source: Screenshot from Freshnlean.com
Freshnlean.com delivers healthy meals to your door along with a blog about recipes, hacks, and health. Modern life is very hectic and finding the time to create healthy meals can be a challenge. The meals you can get from Freshnlean are designed to maximize your time, energy, and wellness. You can also sign up for their newsletter and get healthy recipes, tips, and more delivered to your inbox.
Source: Screenshot from Diettogo.com
Diettogo.com creates health-conscious and affordable meals and provides information about diet options. Diet-to-go is another meal delivery company that focuses on making healthy eating both easy and affordable. In addition to their ready meals, there are also some interesting and easy to prepare recipes in the blog section of the website.
Source: Screenshot from Everydayhealth.com
Everydayhealth.com is packed with health articles along with recipes to benefit different health conditions. The blog covers topics such as alternative therapies, fitness, relationships, and various health topics. In addition, the food and eating section includes recipes suitable for a variety of diets including Atkins, DASH, Low-Carb, Paleo, Mediterranean, and MIND diets.
Fitfoundme.com shares fitness workouts and healthy, balanced recipe ideas to improve your wellbeing. When it comes to food, Stephanie, the owner of the blog, shares 30-minute quick meal ideas, clean eating recipes, desserts, keto, and low-carb recipes.
Source: Screenshot from Purition.co.uk
Purition.co.uk sells nutritional meal replacement products and shares informative articles to help you reach your health goal. As well as lots of useful advice for anyone wanting to lose weight, there’s also a recipe section that contains lots of tasty, healthy, and easy-to-make meals.
Source: Screenshot from Verywellfit.com
Verywellfit.com is a huge resource of research-backed health and fitness information. As well as fitness, nutrition, and exercise topics, there are also stacks of healthy recipes to try, whether you’re looking for low-carb inspiration, gluten-free, vegan, vegetarian, or recipes that are diabetes-friendly.
Makeyourbodywork.com features fitness tips and dietary advice for weight loss from a personal trainer. Dave has been working in the fitness industry for almost 20 years, and his mission is to help others overcome their unhealthy fixation on their appearance. His aim is to help people improve their fitness and reach their weight-loss goals.
Food blogs are often featured in the lifestyle blog category. They are not the only content to feature but work well alongside other lifestyle content.
They are personalized to the writer’s interests and are inspired by their lives.
Lifestyle blogs can cover a wide range of topics from becoming a digital nomad to creating balance in your life.
This offers plenty of opportunities to link with food-related content. Some examples for the topics above might include cooking from a camper van or stress-free entertaining.
Source: Screenshot from Carrieelle.com
carrieelle.com includes resources to help plan your life from meals to holidays and everything in between. You’ll find tons of printables, planning help and inspiration, family travel destinations, and tips. The blog runs alongside the eCommerce shop that she runs with her husband. She says that blogging has given her a unique medium in which she can express herself and share the things she’s best at.
Source: Screenshot from Annesage.com
The lifestyle blog Annesage.com has a focus on interior design, but also includes recipes and style advice. Anne has been a blogger for more than a decade. Her success is all down to her signature smart yet stylish approach to interiors, entertaining, wellness, and more. As well as writing her blog, she also runs a very successful business that offers client services in interior design, art direction, and photo styling.
Food blogging is extremely popular in 2022. To capture the attention of your audience, you need to create content from a unique perspective, and learning how to promote your blog on social media can help boost traffic. Whichever route you take, if you provide valuable information for your readers, they will keep coming back for more.
There are many reasons to use home gym equipment. In this case, we have listed the main benefits of adjustable dumbbells and why you could use them at home during any weight lifting session.
This is one of the main benefits of adjustable dumbbells.
Although adjustable dumbbells cost more than your average set of fixed dumbbells, they take the place of not one set of dumbbells, but several sets. For example, Nüobell has ranked as one of the best adjustable dumbbells by hundreds of fitness enthusiasts thanks to its innovative system to get the desired weight range in a matter of seconds with a simple twist.
This innovative fitness equipment can be adjusted up to 80 pounds in 5 lbs ranges. That’s the equivalent of 16 sets of traditional dumbbells, each of which would normally cost $60-$100, which compared to adjustable dumbbell prices that start from $595, you’ll potentially save several hundred dollars by making a one-time investment in a more versatile piece of equipment.
Another reason to choose adjustable dumbbells is to meet the need of multiple household members.
It’s one thing to purchase gym equipment that meets your specific needs when you live alone. But when you live in a household with other family members, your ideal home gym has to allow everyone to do any strength training they want according to their fitness needs.
An adjustable dumbbell set allows anyone in your home to approach a localized or full-body workout safely and in a way that’s appropriate for their level.
Some workouts train muscles you use daily, while others strengthen muscles you don’t use as often. Having the possibility to adjust your dumbbell weight plates as you like will give you the freedom to go from one exercise to the next without losing your workout motion.
This is a great experience that only some home gym equipment can actually provide. You can aim to strengthen muscles with heavier weights and stabilize muscles with lighter weights, which can improve your overall fitness more than training with heavy weights alone.
Some people are lucky enough to have dedicated home gym spaces in their homes. But for many people, fitness can be a space-saving challenge. If you’re trying to fit a workout space into an already crowded family home or small apartment, adjustable dumbbells allow you to fit a lot of equipment into a very small space, a perk that fixed dumbbells wouldn’t allow.
Over time, your muscles become stronger and workouts become easier. To get the most out of your workout, you need heavier dumbbells to challenge your stronger muscles.
If you only purchase dumbbells in the size you need right now, you’ll soon outgrow them. This leaves you either working out with dumbbells that are too light for your needs or needing to invest in a new set of dumbbells while your old dumbbells become obsolete.
Expandable dumbbells eliminate this issue. You can improve progressively your bicep curls or any other exercises and reduce waste in the process as you allow your investments to last their longest possible life by having dumbbells with the ability to expand alongside your strength and abilities.
There are simply no excuses to reach your goals, and the only shortcut you can take is having the best fitness equipment and using it properly.