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.
Getting an education is a process that starts early in our lives and ends up with college. However, learning never stops, no matter if you have graduated or not. History is one of the topics that is taught early in school. Students need to know how the country they live in started to exist, but also how the culture was formed. Having information about your previous ancestors and your country is essential. But knowing things about the continent and the world is crucial too, as this helps you understand the present.
This can come with inspiration, but also understanding and tolerance towards what is happening today. However, depending on the grade, college, country, and students, there are distinct ways you can teach history. Here are some examples and samples of these ways that will help you understand that history has many facets. So, wondering how history is taught in schools or how should history be taught?
Primary Sources in World History Education
When it comes to teaching world history, there are a variety of approaches that can be taken. One popular method is the use of primary source documents, such as letters, diaries, and government documents. This type of material allows students to see history through the eyes of those who lived it. And it can provide valuable insights into the thoughts and feelings of people in different time periods. Additionally, primary sources can help students develop critical thinking skills. They must evaluate the reliability and bias of the sources they are using. Critical thinking skills are crucial in their college life, but in their future career too. So, learning history helps them develop these essential skills.
Another approach to teaching world history is through the use of essays. These can take many different forms, from traditional research papers to more creative, interpretive pieces. You can read world history essays as an effective way to explore a particular topic or theme in depth and to make connections between different time periods and events. They can also be a great way for students to develop their writing skills. But their ability to organize and present information in a clear and concise manner too. In addition, investing in the teaching of history through essays can also be beneficial for the students as it can help them to understand the context and significance of historical events, making them better equipped to analyze and interpret the past in the future. A few free essay samples can be found online which can serve as inspiration for students, but they also help them learn how an essay should look.
Innovative Ways to Teach History
Wondering why is history taught in schools? It is one of the subjects that help students understand how humanity ends up existing in its actual form. There are so many historical events that triggered many technological advancements and not only. And knowing all these can turn out to be really inspiring and motivating for many students. However, as history says, the world is changing at a rapid pace. So, there are innovative ways to teach history. With the help of technology and field trips to museums. The history taught in schools can turn out to be boring for some students.
At the same time, each student has their own learning style so they acquire new information differently. But one of the most effective ways is to teach history through experiences. Visiting museums and having field trips in places where historical events took place can turn out to be a pretty enlightening teaching experience. One of the nicest things is that museums nowadays have become more modern, so they use technology to teach students essential concepts.
Many history museums use artificial intelligence and virtual reality to immerse students in historical stories and help them learn more about them by actually experiencing them. And considering the fact that students nowadays are tech-savvy, they will simply love these experiences and will learn a lot more.
History is one of the subjects that does not miss school. Studying history is essential as it helps students understand how the world works, but also the crucial events that defined it as it is today. They can learn history in a wide variety of ways.
One is by studying letters, diaries, and other documents that are relevant to the event they now learn about. They can also write essays that encourage them to research and discover more. Or, by having field trips and visits to museums, which nowadays use technology to immerse them in historical events and concepts.
Online gambling has had major innovations and improvement that has brought about its growth and a wider audience. For instance, punters can access their favorite games on online casino New Jersey from the comfort of their homes, on the road, in a bar, etc. This unlimited access has practically increased the number of gamblers across states. Moreover, whether it is seen as an occasional source of entertainment, a hobby, or a potential source of income, we can’t deny that gambling has become part of us and has also grown into a massive industry.
Gambling is a major industry in the US and is expressed in various forms. From most casinos by state to a list of Michigan online casinos. In 2008, the US Gambling industry generated huge revenue, but 2022 showed that the industry was not going to stop. A total of $53.04 billion was made, excluding offshore gambling and tribal casinos. Fortunately, more states are beginning to legalize iGaming products and services. Here, we consider the US states that gamble the most and what states has the most casinos.
Nevada has been a gambling-friendly state since its inception. It also became the gambler’s capital, seeing more than 50 million punters traveling to experience its gambling activities. Everybody wants to have the Vegas experience. It should not be surprising that this US state tops every list. Las Vegas has more gambling establishments than other cities, making Nevada one of the states with the most casinos.
Gambling was legalized in 1931 to ease the economic burden of the Great Depression. The legislature supported the legalization of the act. The state has since grown to become the gambling and entertainment center of the world, generating up to 13, 450 million dollars annually.
The gambling industry in PA is relatively new. It was until 2004 that new rules and regulations were drafted to accommodate casino establishments. The first brick-and-mortar establishment was later opened in 2007. The state has casino resorts that host an endless collection of slot machines. The lottery sales and several casino settings put the Mid-Atlantic state among the most gambling friendly states.
According to the Pennsylvania Department of Drug and Alcohol Programs, the Penn State University, and the Pennsylvania Gaming Control Board, the state has embodied all forms of gambling, from sports to casinos, racetracks, and poker, creating a flexible ecosystem for players. Moreover, online casinos and sports betting apps provide unmatched convenience for punters in PA.
Although Nevada is known to be one of the states with the most casinos, Pennsylvania has about 17 online casinos and 13 sports betting operators. These are in addition to lottery games and fantasy sports. In 2021, the state generated about $1.1 billion from online casinos, while sports betting generated $340 million that same year.
New Jersey gaming laws are among the least restrictive, hence, their continuous growth and increased users. Although the state has had some restrictions and bans, it has found a way to maneuver these challenges. New Jersey’s Atlantic City has been known for being the original gambler’s paradise. It is still prolific today. About 12 retail casino establishments across the state generate a revenue of $2.8 billion yearly.
The state permits casino gambling, lottery, off-track betting, horse racing, charity gambling, social gambling, and amusement games. In 2013, New Jersey permitted in-state online gambling. This led to the dismantling of Nevada’s reign on regulated sports betting, redirecting punters their way. NJ history offers an attractive gambling prospect, and it’s no surprise they have more residents and visitors exploring its products and services.
Louisiana is an interesting state that has experienced much growth regarding real money gambling. Initially, the state has shown some strict practices that made it less friendly towards gambling. But several twists and turns have taken place. The Pelican State has aggressively expanded its gambling forms for residents and visitors. This has made it recognized as one of the states with many gamblers.
Punters can access casino games, lotteries, sports betting, poker, horse racing betting, charitable gaming, social gaming, bingo, and many other forms of gambling. In 2018, the state made a new law that saw the riverboat casino move inland. This also raises the number of casinos in the state.
Indiana is known to host the best casinos in the US. Its gambling forms include retail casinos, lotteries, bingo, riverboats, resorts, and racetracks casinos with slots, which have served residents and attracted many tourists to the state. In 2012, the Hoosier State generated gaming tax revenue of $807 million. However, the state has a strict online gambling and social games policy. Poker is also considered illegal, with a Class D felony as a charge. Despite these restrictions, it is still a state with many gamblers.
Gambling laws in South Dakota are convoluted. We can even describe them as overreaching. However, the state has a lot of punters due to its novel strategy or approach to gambling. There are over 25 brick-and-wall casino establishments and 11 tribal casinos scattered across the state. These numbers have allowed more punters to try their luck. Fortunately, Coyote state offers video lotteries for 25 cents per round. It is a far-off possibility to lose big. Hence, more punters are interested in trying their luck.
There are many more states with a huge number of gamblers. However, we have provided you with the states that top the list. These states have an incredible prospect as regards gambling. A few of them are yet to legalize online gambling but have a growing population of punters. Generally, legal types of gambling in most states include poker, retail casino gambling, lotteries, bingo, racetracks casino, riverboats, and many others.
Every day, people all around the United States hear the sound of gunfire. The constant threat of gun violence plagues communities all around the country. Many of these terrible encounters might have been avoided. Safety, after all, is one of the basic rights. But at the same time, gun rights are human rights too, and here comes a discussion. How are gun control and human rights connected, and why does violence lead to the crisis? Let’s try to find out.
Image source: https://unsplash.com/photos/MfM3p2yn4Ew
Americans are responsible for 42% of all civilian-owned firearms and have the highest rates of gun fatalities among developed countries. More than 200,000 firearms are smuggled into neighboring Mexico annually. The United Nations Office on Drugs and Crime reports that this fact is a primary cause of the local high gun-related murder rates.
So the USA influences even neighboring countries! However, numbers alone can’t be the key to clearly seeing this issue’s reasons and consequences. The accounts of victims and witnesses can help to shed light. To understand the problem deeper, one might read gun violence essay examples, where not numbers but concepts and human lives are in the spotlight. Such an approach helps to analyze the subject and improve your writing skills simultaneously. So you will kill two birds with one stone, getting helpful knowledge for your future college essays and other papers.
A gun can be both a defense and a threat, and it’s a big question what is a more crucial aspect in this context. But the facts remain the same. There is no research needed to say gun violence is causing devastation in far too many communities. Too many people in the United States are killed, injured, or displaced annually. This problem affects individuals of all ages, backgrounds, races, religions, and genders. It is harmful to city dwellers, suburbanites, and rural residents alike. Both the wealthy and the poor suffer from this occurrence.
So what are the main human rights issues in America connected to the gun topic? All human rights are interrelated, and it is sometimes difficult to separate one concept from another. Free access to arms jeopardizes the following rights:
In regions with a high rate of gun violence, people do not have the necessary access to health care. Due to the increased need, many do not receive the necessary surgeries, medication, psychological care, and recovery therapy. There is often a lack of funding to meet these needs. Also, there is a correlation between gun violence and the deterioration of education, a decrease in student performance, and a higher risk of teachers and students being injured.
In response to the situation in the country, many public and international organizations are demanding urgent action from the government. The main requirement is gun control affirmative with a number of prerequisites. Such organizations propose a wide range of control measures to be implemented in the United States. For example, mandatory background checks, licensing for gun purchases, age restrictions, a prohibition on some weapons, etc.
In addition, the government should establish federal legislation making it illegal to carry firearms in public unless a person has a valid reason to do so. It is proposed to fund programs for victims of firearms accidents first. Amnesty International has called on Congress to approve legislation to secure “continuous financing” for local violence prevention initiatives.
So society is trying to utilize international human rights legislation as a counterbalance to the right of Americans to keep and bear weapons. Bringing up human rights legislation may be a useful rhetorical trick for lawyers. However, it would likely have little impact in a trial. That’s why the US government avoids being held responsible for the crimes voiced by international human rights organizations.
Voicing the gun violence problem through the lens of human rights forces society to view it differently. People are beginning to realize that the freedom to carry arms violates many other rights and freedoms of citizens. The debate also raised questions about the legitimacy of the claims of international organizations. After all, they do not ask for anything supernatural but only for Americans’ safety, health, and tranquility.
The United States is the country where the world’s best universities are collected. Thousands of international students come every year to receive a top-quality higher education in it. American universities and colleges offer a prestigious standard of training and unlimited career prospects. This is why many people choose to study here, although it is quite expensive.
Higher education in the United States is a symbol of prestige and success. Many foreigners dream of becoming a student at Harvard University or the California Institute of Technology. This objective can become a reality if you prepare well for the admission process and explore the associated issues, as it is not an easy task. To begin with, you need to choose the appropriate university and decide on a major, and then prepare the required documents.
U.S. universities offer a variety of academic programs for foreigners, from art history to advanced technology. It is possible to achieve various degrees, such as a bachelor’s, master’s, or even Ph.D. Once a prospective student has chosen a suitable major, he or she should immediately proceed to the paperwork and get the following set:
When students are asked what stage of the application process was the most important one. They mostly say, “Writing essays about myself.” It should contain the motivation to study a particular program. Many universities consider it as important as academic performance in pre-entrance exams. To get a grade equivalent to an A+ myself essays for USA students, it is recommended to check examples and spend enough time writing the essay. Poor quality of the latter can compromise the outcome for prospective students.
This effort is a necessary step to provide the admissions committee with an insight into who the applicant is. The following rules will help improve the chances of getting a good rating:
The above rules can help the applicant write a really good essay, which will be well evaluated by the admission committee. It is recommended to start writing the essay as early as possible because it is a rather meticulous and important effort that affects the final result of the admission campaign.
Education in the United States offers many advantages. First of all, it is an opportunity to get a really high level of knowledge from the best teachers in the world. Some of the most outstanding scholars teach at U.S. colleges and universities. They possess excellent practical skills and have achieved great success in their own fields of study. There are also several other important points that can be mentioned about the benefits of getting an education in the U.S.
Many applicants from different countries choose to study in America. After all, if you get an education in this country, you can be sure of achieving your goals and ambitions in adulthood.
The United States has around 4,000 academic institutions, such as colleges and universities. The education program has several stages with different training terms. An associate’s and bachelor’s degrees require two and four years to complete, respectively. Universities also offer post-graduate studies and Ph.D.
Education is fee-based at both public and private colleges or universities. However, there is a system of grants and scholarships, so gifted students can study free of charge. Nevertheless, the student will have to pay for campus accommodation. The average cost of a place in a room for two people is about $100. Often, there is a shortage of places, so it is highly recommended to take care of the campus accommodation in advance.
The United States is the country where the world’s best universities are collected. Higher education in the U.S. is a symbol of prestige and success. Universities offer a variety of academic programs for foreigners, from art history to advanced technology. It is possible to achieve various degrees, such as a bachelor’s, master’s, or even Ph.D.
Litecoin has been making waves in the cryptocurrency market, with its recent surge reaching the $90 level. This has led to speculation that Litecoin could possibly rally to the moon and hit the $150 mark. Is this possible anytime soon? In this blog post, we will take a look at the current state of the Litecoin market and analyse the factors that could affect its future price movements. We will also examine whether a $150 rally is possible soon and discuss the implications of such a surge. If you are interested in Bitcoin trading, you may visit bitcoins-evolution.com an online trading platform which will make your trading journey hassle-free.
The recent rally of Litecoin (LTC) has surprised many crypto investors, as the price of the digital asset has surged from around $50 at the start of the year to an all-time high of $145. The cryptocurrency, which is currently the fifth-largest digital asset by market cap, has seen tremendous growth in 2020 and is now inching closer to its previous all-time high of $150.
So what has been driving this massive rally? Let’s take a look at some of the reasons behind the recent surge in Litecoin prices:
These are just some of the reasons why Litecoin has seen such a massive rally this year. With its prices currently just shy of its previous all-time high, there is speculation that the digital asset could reach $150 in the near future. Only time will tell if this prediction will come true or not.
As the crypto market continues to experience a roller coaster of highs and lows, investors and analysts alike have their eyes on Litecoin, a popular cryptocurrency that has been quietly gathering momentum in recent months. With the current price of LTC hovering around $140, many are wondering if a rally to the $150 mark is possible anytime soon.
To answer this question, it’s important to look at the fundamentals behind Litecoin. After all, if there’s strong support for the coin, then it’s likely that prices will continue to increase.
In terms of fundamentals, Litecoin is an incredibly attractive option for investors. It has the fourth-largest market cap in the crypto world and it’s widely supported by numerous exchanges. Furthermore, Litecoin has seen great adoption from merchants due to its low transaction costs and fast transaction times. In addition, its network effect is growing steadily, with more users joining the network every day.
However, before investors get too excited about the possibility of a $150 rally in Litecoin, they should also be aware of some potential risks. For example, Litecoin could be affected by regulatory decisions or major news developments in the industry. Additionally, Bitcoin’s price could also take a hit if Bitcoin starts to experience a sell-off.
All things considered, Litecoin does seem to be in a good position for a potential rally. Analysts are bullish on the coin and believe that it could reach the $150 mark sometime soon. However, it’s important to remember that cryptocurrency markets can be volatile and that investors should always conduct their own research before making any investment decisions.
The recent surge in Bitcoin’s price has been remarkable and has caused some to ask if a $150 rally is possible anytime soon. While there are many factors that could affect Bitcoin’s price, there is no guarantee that it will reach the $150 mark.
In order to get to the $150 mark, Litecoin would need to see strong support from users, investors, and traders. This could come in the form of an increase in the number of transactions and more widespread use of the coin. Additionally, there would need to be favorable news and updates surrounding the cryptocurrency, as well as a growing sense of confidence in its future prospects.
Ultimately, predicting the future price of any cryptocurrency is impossible. However, it is clear that Litecoin has a promising future ahead and it may very well reach the $150 mark. Until then, we can only watch, wait, and see what the future holds for this popular altcoin.