Tuesday, February 17, 2015

Elevate - Maximize Your Cognitive Skills


Name: Elevate
By: Elevate, Inc.
Price: FREE (iOS) | FREE (Android) + In-App Purchase
Category: Education

There's more than one reason Elevate was named 2014 App of the Year​ by Apple's App Store.  Not only is it fun, beautiful, and addictive, but it also works to train your brain in a variety of challenging skill sets that are actually useful in the real world. This engaging app will keep you coming back everyday and leave you feeling mentally energized. The more you train, the more you gain!






While there are plenty of other brain-training apps out there, Elevate rises above the rest through its artistic design and perfect balance between fun and challenging gameplay. Improve your proficiency in Speaking, Writing, Reading, Listening, and Math through 29 cognitive training activities, which adjust over time based on performance. The better you get, the harder they get.  Work your way up towards the ultimate Expert status in each category and track your progress over time through high scores, total accrued points, and training milestones.

The Pro upgrade unlocks additional training games, offers unlimited access, and provides in-depth rankings to see how you stack up against other users.  So far, the free version has been enough to keep me busy, but I could certainly imagine ramping up my training in the future.

If this is starting to sound more like a homework assignment and less like an app you would actually use, don't despair!  Elevate encourages you to play 3 quick and beautifully animated mini-games each day.  In just a few minutes per week you'll be well on your way towards improvements in memory, focus, estimation, and a variety of other useful skills. 

You already exercise your body, so why not workout your brain and push that mental capacity to the max?




Tuesday, February 10, 2015

Betterment - Set Your Investments on Autopilot


Name: Betterment
By: Betterment
Price: FREE (iOS) | FREE (Android) + Paid Service
Category: Finance

Betterment makes it easy for anyone to invest in a low-cost, globally diversified portfolio based on Nobel Prize-winning investment theories. Sure, you could spend your own time setting up a diversified portfolio, or you could hire an investment manager to do it for you, but Betterment offers a third option that saves both time and money.  






Betterment streamlines the process of investing your money wisely. The intuitive web interface allows you to customize your risk and strategy to target specific goals, such as building wealth for a long-term retirement fund or accruing a short term safety net, and always stay on track through automated deposits and performance analysis. It also offers automatic rebalancing, dividend reinvestment, tax optimization, and fractional shares, making sure all of your money is working towards maximum returns.

Once you initially set up your goals, risk level, and auto-deposits, you can sit back and track your progress through their app, which offers an in-depth breakdown of your portfolio, returns, activity, and allows you to make bank transfers to or from your account. 

Fees are structured as a low percentage of your overall funds, ranging from 0.15-0.35% per year and are charged on a quarterly basis. This means you can make as many deposits and withdrawals as you'd like without paying processing fees that most other services charge.  This makes your Betterment funds extremely liquid - simply transfer cash back to your bank account whenever you need it.  Sign up now for a free 30 day trial!

I trust Betterment to manage my investments and highly recommend that you explore their service for yourself.