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ASKSEBBY
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Advertiser Disclosure:
Some of the card links and other products that appear on this website are from
companies which AskSebby will earn an affiliate commission or referral bonus.
AskSebby is part of an affiliate sales network and receives compensation for
sending traffic to partner sites, such as CreditCards.com. This compensation may
impact how and where products appear on this site (including, for example, the
order in which they appear). This site does not include all credit card
companies or all available credit card offers.

Editorial Note:
Opinions expressed here are the author's alone, not those of any bank, credit
card issuer, airlines or hotel chain, vendors or companies, and have not been
reviewed, approved, or otherwise endorsed by any of these entities.

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BEST STOCK BROKERAGES OF 2023

Investing should be accessible for everyone, and you shouldn't need $100,000 or
have to go through a "financial advisor" to get started. Here are some of my
favorite investing platforms for 2023, whether you're just getting started or
already established.


New platforms have better UX/UI, more features, lower minimums, and competitive
intro bonuses!



BROKERAGE WITH THE BEST SIGNUP BONUS


MOOMOO

Moomoo has $0 commission trading which includes U.S. stocks, options, ETFs, and
ADRs.


Key features:

 * Full extended trading hours including pre-market (4am to 9:30am ET) and after
   hours (4 pm to 8pm ET)
 * Free Level 2 market data and plenty of tools for options analysis, trend
   drawing, and P/L analysis
 * Moomoo is a registered broker-dealer with the SEC and part of FINRA
 * SIPC insured up to $500,000 for securities (and $250,000 cash)

GET FREE STOCKS ON MOOMOO WHEN YOU DEPOSIT ANY AMOUNT:
HTTPS://WWW.ASKSEBBY.COM/MOOMOO



BEST NEW BROKERAGE 


WEBULL

Webull is my favorite platform for trading options, advanced tools, and an
amazing UX/UI.

Key features:

 * $0 commission trading for stocks, options, ETFs, and even cryptos
 * They allow both individual brokerages and IRAs (traditional, Roth, or
   rollover)
 * Full extended trading hours including pre-market (4 am to 9:30 am ET) and
   after hours (4 pm to 8pm ET)
 * Webull is registered with the SEC and part of FINRA
 * As a member of SIPC, securities are covered up to $500,000 (and up to
   $250,000 for cash)
   

INTERESTED IN OPENING AN ACCOUNT? GET 5 FREE STOCKS ON WEBULL WHEN YOU DEPOSIT
ANY AMOUNT: HTTP://BIT.LY/ASKWEBULL


BEST ESTABLISHED BROKERAGE


ROBINHOOD

Robinhood offers commission-free investing for stocks, ETFs, options, and
crypto.

Robinhood is the most established of the newer platform options and is
constantly adding new features.

Key features:

 * User friendly app experience
 * IPO Access allows you to get in at the IPO price vs. waiting for it to trade
   (and potentially spike) on the first day of trading.
 * Fractional shares, meaning you can invest as little as $1
 * Robinhood is registered with the SEC, part of FINRA, member of SIPC for
   insurance.

Newer platforms have a brand name but tend to charge for advanced features (or
require substantial minimums). They also tend to use less modern UX/UI.


INTERESTED IN ROBINHOOD? CHECKOUT ROBINHOOD HERE.








BEST ROBO-ADVISORS 2022

Want to invest but find all the options too complicated? Robo-advisors offer
low-cost investment management, building a portfolio for a fraction of typical
financial advisors.


Robo-advisors help you invest in a diversified portfolio and offer plenty of
tools, whether you're focused on long-term planning or thematic investing.



WEALTHFRONT

Wealthfront makes it easy to invest. You start by answering some questions about
your risk tolerance, and they build a portfolio tailored to you.


Want to invest more in certain industries? Wealthfront has thematic investing
allowing you to mix in verticals of interest like tech, healthcare, or crypto.


Key features:

 * Hundreds of investment options to help you customize a portfolio that you
   feel comfortable in, including socially responsible investing.
 * Comprehensive suite of tools to help you with financial planning,
   goal-setting, and progress trackers.
 * Plenty of account options, including 529 plans.
 * Advanced features like tax-loss harvesting (done daily) to make the most out
   of your investment account.
 * The minimum for an account is $500, and there is a 0.25% management fee.
   


SOFI

SoFi automatic investing helps you consistently invest, hands-off.

Key features:

 * Tools to help you plan for goals like retirement, rebalance your portfolio,
   and diversify to reduce risk.
 * Along with retirement, they help you invest for things like a "once in a
   lifetime" trip, buying a home, or paying for a wedding.
 * Unlike many other competitors, SoFi offers access to member benefits such as
   career services and access to credentialed financial advisors -- all for
   free.

GET A FREE STOCK ON SOFI WHEN YOU FUND YOUR ACTIVE INVEST ACCOUNT WITH AT LEAST
$100: HTTPS://WWW.ASKSEBBY.COM/GO/SOFIINVEST



BETTERMENT

Betterment gives you the support and tools to make you a better investor.

Key features:

 * Customize your portfolio based on risk, savings, goals, and even values
   (socially responsible investing).
 * Maximize your tax benefits through tax-loss harvesting.
 * Pricing starts at 0.25%

BETTERMENT MAKES IT EASY TO START WITH AS LITTLE AS $10:
HTTPS://WWW.ASKSEBBY.COM/BETTERMENT



> Advertiser Disclosure: Some of the card links and products that appear on this
> website are from companies which AskSebby may receive compensation when you
> click on links to those products. You don't have to use our links, but we're
> grateful when you do! View our Advertising Policy .The content on this page is
> accurate as of the posting date; however, some of our partner offers may have
> expired.

Before applying to Chase credit cards, it’s important to understand the rules
for applications (2/30 Rule), eligibility (5/24 Rule), and bonuses (once every
two years).


2/30 RULE

The 2/30 rule says that you can only have two applications every 30 days or else
you’ll automatically be rejected.

If you don’t have a high credit score (700+), your chances of getting approved
for the Chase Sapphire Reserve® is slim. Chase usually looks for a great credit
score or a banking relationship. It’s a lot easier and less risky for Chase to
give you a credit line of $1,000 with the Chase Freedom Flex℠, as opposed to the
minimum $10,000 credit limit with the Chase Sapphire Reserve.


5/24 RULE

The most infamous rule is the Chase 5/24 rule. The idea is if you have more than
five new credit cards in the past 24 months, from any issuer, you’ll
automatically get rejected for certain Chase cards.

For example, if you received 4 Bank of America credit cards and 1 Citi credit
card in the past 24 months, then your Chase application will be automatically
rejected because of 5/24.

The main exception to this is Chase business cards because they don’t go on your
credit report. Even though Chase can see them on your report, they don’t care.


INTRO BONUSES

Regarding intro bonuses, you can qualify for a new bonus every 24 months. For
example, if you received the Hyatt sign up bonus in 2013 and applied for the
card again in 2017, you would be eligible to receive a new bonus.

If you’re currently an authorized user for a card you want to apply for, you
should remove yourself to qualify for the intro bonus.


“ONE SAPPHIRE RULE”

The one exception to the intro bonus rule in the section above is the Chase
Sapphire family of cards.

The “One Sapphire Rule” refers to Chase Sapphire card applications and
approvals.

You cannot apply and get approved for a Sapphire card if you currently have an
open one.

You can have an open Chase Sapphire Reserve, Chase Sapphire Preferred® Card, OR
a Chase Sapphire card, but not more than one at a time.

Exceptions to the “One Sapphire Rule”:

 * If you had more than one Chase Sapphire card before the rule kicked in August
   2018; then your cards are grandfathered.
   
 * You can product change a card to have multiple Sapphires



‍


CHASE SAPPHIRE 48-MONTH RULE

In addition to the “One Sapphire Rule,” you can only receive an intro bonus to a
Chase Sapphire card once every 48 months (4 years).

For example, if you receive an intro bonus for the Chase Sapphire Preferred in
Jan 2018, you would have to wait until Jan 2022 to receive another Chase
Sapphire bonus.

If you were to downgrade the Chase Sapphire Preferred in Jan 2019 to a Chase
Freedom card and apply for the Chase Sapphire Reserve, you would not qualify for
the bonus due to the 48-month rule.

Again, the 48-month rule only applies to the Chase Sapphire family of cards.

If you are an authorized user on a Chase Sapphire card and you want to get your
own, be sure to remove yourself as an authorized user before applying.


“ONE SOUTHWEST RULE”

You are not eligible for a personal Southwest credit card intro bonus if you:

Currently have any (personal) Southwest Rapid Rewards credit card

Received a Southwest Rapid Rewards credit card intro bonus in the past 24 months

The above rules do not apply to the Southwest Rapid Rewards Business cards.
There are currently 3 personal Southwest credit cards, so you can only get the
intro bonus for one every 24 months.

However, if you want to earn Southwest Companion Pass from credit cards, you can
apply for one personal and one business Southwest card.



‍


CHASE BUSINESS CREDIT CARDS

Chase business credit cards are affected by 5/24 (you can get rejected due to
5/24).

Chase business cards (and business cards from most issuers other than Capital
One) do not show up as a new account on your credit report and therefore do NOT
add to 5/24.

For example, you can be at 4/24, add a Ink Business Cash® Credit Card, and you
would still be at 4/24.

On the flip side, if you are at (or above) 5/24, and apply for a Ink Business
Cash® Credit Card, the application would be rejected due to the 5/24 rule.


OPTIMAL STRATEGY

If you’re looking for the optimal strategy, go for the Chase cards you want
first based on your goals (travel or cash back) before any other credit issuer.

The benefit of going for Chase cards first is that unlike other card issuers,
most of the core Chase cards have no annual fee product change options to keep
your credit history alive.

At the end of the day, we recommend applying for cards that make sense for you
and add value based on what you’re trying to achieve.


YOUTUBE VIDEO: CHASE 5/24 RULES



‍


‍




WHAT’S A RICH TEXT ELEMENT?

The rich text element allows you to create and format headings, paragraphs,
blockquotes, images, and video all in one place instead of having to add and
format them individually. Just double-click and easily create content.

STATIC AND DYNAMIC CONTENT EDITING

A rich text element can be used with static or dynamic content. For static
content, just drop it into any page and begin editing. For dynamic content, add
a rich text field to any collection and then connect a rich text element to that
field in the settings panel. Voila!

HOW TO CUSTOMIZE FORMATTING FOR EACH RICH TEXT

Headings, paragraphs, blockquotes, figures, images, and figure captions can all
be styled after a class is added to the rich text element using the "When inside
of" nested selector system.




WHAT’S A RICH TEXT ELEMENT?

The rich text element allows you to create and format headings, paragraphs,
blockquotes, images, and video all in one place instead of having to add and
format them individually. Just double-click and easily create content.

STATIC AND DYNAMIC CONTENT EDITING

A rich text element can be used with static or dynamic content. For static
content, just drop it into any page and begin editing. For dynamic content, add
a rich text field to any collection and then connect a rich text element to that
field in the settings panel. Voila!

HOW TO CUSTOMIZE FORMATTING FOR EACH RICH TEXT

Headings, paragraphs, blockquotes, figures, images, and figure captions can all
be styled after a class is added to the rich text element using the "When inside
of" nested selector system.




WHAT’S A RICH TEXT ELEMENT?

The rich text element allows you to create and format headings, paragraphs,
blockquotes, images, and video all in one place instead of having to add and
format them individually. Just double-click and easily create content.

STATIC AND DYNAMIC CONTENT EDITING

A rich text element can be used with static or dynamic content. For static
content, just drop it into any page and begin editing. For dynamic content, add
a rich text field to any collection and then connect a rich text element to that
field in the settings panel. Voila!

HOW TO CUSTOMIZE FORMATTING FOR EACH RICH TEXT

Headings, paragraphs, blockquotes, figures, images, and figure captions can all
be styled after a class is added to the rich text element using the "When inside
of" nested selector system.




WHAT’S A RICH TEXT ELEMENT?

The rich text element allows you to create and format headings, paragraphs,
blockquotes, images, and video all in one place instead of having to add and
format them individually. Just double-click and easily create content.

STATIC AND DYNAMIC CONTENT EDITING

A rich text element can be used with static or dynamic content. For static
content, just drop it into any page and begin editing. For dynamic content, add
a rich text field to any collection and then connect a rich text element to that
field in the settings panel. Voila!

HOW TO CUSTOMIZE FORMATTING FOR EACH RICH TEXT

Headings, paragraphs, blockquotes, figures, images, and figure captions can all
be styled after a class is added to the rich text element using the "When inside
of" nested selector system.


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THINGS TO CONSIDER

Before you stake any crypto to earn interest, it's important to research how the
platform is able to offer high interest rates. A few things to consider:

 1. Does the account require holding bitcoin or stable coins (i.e., USDC)?
 2. Do they need you to have platform tokens (company risk)?
 3. How established is the company, and what's the risk of default?

Rates differ based on how they're earning the interest (lending, staking, etc.).

If you need to withdraw your money, it will take a few days to process before
you can transfer it out since it would require unstaking the coins and
converting it back to USD.

It's also worth noting that staking coins directly on some protocols may earn a
higher APY, but it's also a more complicated process with a learning curve. I
wouldn't suggest staking directly unless you understand what you're doing.

Note: this is not financial advice. Always do your own research.

‍


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Advertiser Disclosure: Some of the card links and other products that appear on
this website are from companies which AskSebby will earn an affiliate commission
or referral bonus. AskSebby is part of an affiliate sales network and receives
compensation for sending traffic to partner sites, such as CreditCards.com. This
compensation may impact how and where products appear on this site (including,
for example, the order in which they appear). This site does not include all
credit card companies or all available credit card offers.

Editorial Note: Opinions expressed here are the author's alone, not those of any
bank, credit card issuer, airlines or hotel chain, vendors or companies, and
have not been reviewed, approved, or otherwise endorsed by any of these
entities.

AskSebby Disclaimer: Content on AskSebby represents one individual’s experiences
and viewpoints, and your experience may differ. The owner of this site is not an
investment advisor, financial planner, nor a legal or tax professional. Articles
here are of an opinion and general nature and should not be relied upon for
individual circumstances. Research and obtain professional advice regarding all
credit decisions before attempting to duplicate any of the techniques described
on this website.
© 2024 ASK SEBBY. ALL RIGHTS RESERVED.


> Advertiser Disclosure: Some of the card links and products that appear on this
> website are from companies which AskSebby may receive compensation when you
> click on links to those products. You don't have to use our links, but we're
> grateful when you do! View our Advertising Policy .The content on this page is
> accurate as of the posting date; however, some of our partner offers may have
> expired.