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4 Ways to Send a Money Transfer Online

4 Ways to Send a Money Transfer Online

The Internet has opened up a wide range of possibilities on what can be done remotely. In fact, the way in which the Internet has taken over many functions makes us wonder how we got by before the Internet became popular. Paying for goods & services, sending, and transferring money is one of the many things that the Internet has made possible.

The rise of smartphones has also pushed the limits of mobile banking as more people find fewer reasons to go to the bank for financial transactions. Most banks have apps that you can use for your banking needs right there on your mobile device. However, the transaction costs of some of such apps might not make much sense. This post seeks to provide you with information on some other ways that you can transfer money online with ease, speed, and lesser transaction costs.

1. PayPal

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    PayPal is probably the oldest way to send and transfer money online. PayPal is designed to take the hassle out of the need to enter in your financial information every time you need to make a transaction. Apart from the fear that your financial details could end up in the hand of cyber criminals, typing out series of credit card numbers might get tiring on the small screen of most Smartphones.

    PayPal allows you to send/transfer money simply with your email address. PayPal is accepted in most online stores; hence, you only need to input your PayPal email address at checkout. If you receive funds into your PayPal account, you can also withdraw the funds into your bank account. PayPal also provides PayPal MasterCard that you can use in stores.

    2. Square

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      Square Cash is relatively younger in the online payments industry; it has gained significant traction and the firm had its IPO last month. Square seeks to become a peer-to-peer payment service that allows you to send money to people’s debit card directly. Square’s appeal lies in the fact that it supports iOS, Android, and Windows Phone—there’s also a dedicated Square Cash Web app.

      Square is also business-centric. Square Cash for Business is designed to help small business owners receive payments without credit card readers. The new $Cashtag allows people to pay directly from their debit cards, and it allows the businesses to receive the money into their accounts. Square is still in its growth stage, but the platform might become a major online payment platform once it signs up enough users.

      3. BitGold

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        BitGold is an online payment solution that looks to the past to solve the problems of the present time in order to avoid problems in the future. BitGold allows you to buy physical gold, which you can then leave in your account as a store of value because gold tends to keep its value longer than other asset classes. You can also transfer gold online to other BitGold users with minimal fees. It is a great alternatives to regular online money transfer services. You can use the gold to pay for online transactions through a Prepaid MasterCard that you’ll be issued. You can use the card anywhere that the major credit cards are accepted. You can also use the prepaid card to withdraw local currency via ATMs.

        BitGold is still young and it might not offer the perfect peer-to-peer payment system because its user base is still growing. However, the fact that you get to keep your funds in gold bullion ensures that you enjoy all the benefit of the stability in gold prices without having to worry about safety deposit boxes for gold bars. If you’d rather keep the physical gold, you can request BitGold to send you the gold in your account as physical gold cubes or gold bars.

        4. Bitcoin

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          If the idea of sending, transferring, or receiving money without a paper trail interests you, Bitcoin might be your best bet for sending money online. Bitcoin is completely decentralized, anonymous, fast and cheap. You’ll need some computer skills if you want to go the hardcore way of mining bitcoin, but you can easily fund your bitcoin wallet by purchasing bitcoin from one of the many merchants in town.

          Bitcoin tries to keep its value insulated from the manipulation of fiscal and monetary authorities—the move should ensure a fair distribution of wealth that gives everybody a fair chance to earn money. However, Bitcoin is not immune from volatility caused by events in the news. If you choose to keep your money in bitcoin, you should be ready to deal with the wild swings in its market value.

          Featured photo credit: Universal Studios Florida by Theme Park Tourist via Flcikr via flickr.com

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          4 Ways to Send a Money Transfer Online INDX.guru 8 Powerful Hidden Features in Stock Market Apps You’ve Probably Missed 4 Apps To Turn You Into A Stock Market Pro (You Should Use) “I would be so successful if someone just gave me a shot”, you might think. Why not be the one to give youreself a shot? Many people out there have mindsets and attitudes that set them up for failure. They might answer my question with, “That's a crazy idea!” or “I've already tried that!” but how much of that is just making excuses? When it comes to limiting your own success, there are ten particular mindsets that turn those answers into self-fulfilling prophecy: 1. Loafing You'll write that novel just as soon as you're done with your favorite show. Oh, but now you're hungry. You'll get started after a snack. Oh, but now that snack has made you sleepy – a little nap couldn't hurt, right? One of the hardest parts, and the most obvious, of achieving success is the actual work. Procrastinating, making excuses or tricking yourself into loafing is just going to cement the fact that nothing will ever get done. It might not sound pretty, or even too easy, but the easiest way to get to success is to just jump in and get going (which is exactly how I got started). 2. Blaming It's not your fault you're not successful – the industry is bad, you don't have the money, etc, etc. When it comes down to it, however, who is the one responsible for your success? You. This is the day and age where people are launching successful start-ups in a few months, getting published online and finding their way to success one way or another. Some things might be out of your control, but blaming others is just going to waste the energy and time you need to get going. 3. Sour-grapes Being envious of the success of others is almost as bad as blaming them. All the time and energy you could be putting into your own goals is going towards a person who more than likely has done nothing but show you that the goal is attainable. You don't have to be applauding their success, but being envious and sour about it is a waste of time – let it roll off your shoulders and dig down towards accomplishing your own goals. 4. Minimizing others success Again, you don't have to be cheering and raving about the success of others, but minimizing their accomplishments looks bad on you and on your own goals. If you attained success, would you want others rolling their eyes and treating it like it is not a big deal in the slightest? I highly doubt it. “So they climbed Mount Everest, big whoop. Plenty of people have done it before”. Have you? 5. Talking You're going to do this, you're going to do that – the proof is in the pudding, ultimately. Talking about your goals and what you're going to accomplish is all well and good, but talking time is better spent actually doing. Talking about your goals has actually been shown to make you less likely to reach them, so zip up those chattering lips and dive in. 6. Making assumptions You know what they say about the word ‘assume’, it makes (a word I’ll leave out of this article) out of ‘u’ and ‘me’ . Unsuccessful people are the best at making assumptions without considering other outlets or opportunities. Missed chance after missed chance can put anyone behind or completely ruin something that you poured a lot of hard work into. People are often surprised at what happens if they take a chance instead of listening to that little pessimist inside their heads. ‘Never assume’ is good advice and it is a mindset you should get out of as quickly as possible. 7. Procrastinating This one is obvious, isn't it? It's about the same as loafing, but even worse because it applies to multiple areas of our lives. That big project? Eh, its not due for a week. My dreams? Eh, I'm going to be taking a class to learn how to write in a few months, I can relax until then. Procrastinating isn't the friend of successful people. Many of them had to learn how to either make procrastination work for them or to barrel through it and press on, even with the proverbial sloth demanding you park it on the couch. 8. Naysaying “It will never work. It is impossible, I just can't ...”. That is about when it is time to take a good look at yourself. There are a plethora of people out there that once thought the same thing: you can't get a man into space, you can't find a way for a human to fly, you can't cure a disease. Well, people did what was once considered impossible. If they can defy the entire world, why can't you defy your internal pessimist and get there? Don't tell yourself that it is impossible. In the world we live in today, it seems like impossible is becoming a word that gets weaker every day, and the same is true of your goals. 9. Consuming Fast food, energy drinks, trash TV – your brain is sobbing at the thought. With all the time spent taking in things that are not good for your brain or body, how can anyone expect it to happily balance out and produce the stuff you need to achieve success? Your output should be greater than your input; though you don't have to take the starving artist spiel literally. The point is, your production is where the value is, not the absorption. 10. Quitting “Well, I tried.” Sure, you tried once. That horse is shaking its head and trotting off to find someone who will get back on it. There's nothing necessarily wrong with cutting your losses sometimes. After all, no experience is ever truly wasted, but quitting is the top enemy to successful people. If you believe in something, if you want to find that success, there is no road map. You may very well have to carve your own path through treacherous jungle. If you give up the first time a mosquito bites you then you've doomed yourself already. Success, in large part, is about the human being in the arena. People cheer for them, their struggle and victory, but the person who watches idly and scoffs, having never tried has also never really lived. Mindsets are not set in stone. It is never too late to get started and change your perspective. After all, achieving success is completely up to you – you are the one making excuses and holding yourself back. You are also the one that will decide when it is time to stand up and get back into that arena. 10 Bad Habits That Stop People From Achieving Success 5 Tools We Always Use Which Actually Make Us Unproductive 5 Tools We Always Use Which Actually Make Us Unproductive

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          Last Updated on July 4, 2019

          25 Killer Sites For Free Online Education

          25 Killer Sites For Free Online Education

          Whether you’re five or ninety five, the internet has a lot to offer. Particularly when the topic is education, the resources on the internet are endless.

          Best of all, many high quality sites are completely free. From history to coding, excellent free online education awaits on the following 25 sites.

          1. Coursera

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            Coursera is a website that partners with universities and organizations around the world. This brings a wide variety of topics and perspectives to one searchable database.

            Coursera is a powerful tool for free online education, and includes courses from many top universities, museums and trusts. This gives the site an extremely wide range of in-depth courses.

            Coursera is extremely useful if you’re looking to study many different topics, or want courses from different schools and groups.

            2. Khan Academy

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              Partnering with many post secondary schools, Khan Academy offers a useable, well organized interface. Also curating many courses from around the web, Khan Academy offers impressive depth on many different subjects.

              Among the more well known educational sites, Khan Academy is also incredibly useable, which may make it easier to keep learning goals.

              3. Open Culture Online Courses

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                If you are struggling to find exactly the material you are looking for, try Open Culture’s listing of free online education courses. The page highlights 1000 lectures, videos and podcasts from universities around the world. The site features a lot of material found only on universities private sites, all in easy to browse categories. This means you can find hundreds of university courses, without having to visit and search each university’s own site.

                Open Culture’s list features courses from England, Australia, Wales and many state universities around the United States. A very helpful resource for finding many courses in one area of study.

                4. Udemy 

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                  Udemy’s free courses are similar in concept to Coursera’s but additionally allows users to build custom courses from lessons.

                  Working with many top professors and schools, the site mixes the customizable platform of other sites with a heavy emphasis on top quality content. This is another site however, that mixes free and paid content.

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                  5. Academic Earth

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                    Another site with courses from many different schools is Academic Earth. Much like the three sites above, Academic Earth brings together top notch courses from many different sources, and focuses on offering a wide variety of subjects.

                    Academic Earth lists courses by subject and school, so it might be easier to find what you’re looking for.

                    6. edX

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                      Another great option for free online education is edX. Also bringing together courses from many different schools, the site has impressive, quality information for everyone. edX covers a great range of topics.

                      7. Alison

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                        Unlike the previous sites on this lists, Alison is a free education site offering certification in some areas. Alison offers courses mainly in business, technology, and health, but also includes language learning courses.

                        It’s a great option if users need certification for their learning as Alison also offers school curriculum courses.

                        8. iTunesU Free Courses

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                          A very convenient place for free online education is iTunesU, because it integrates seamlessly with your iPod, or any app-ready Apple mobile device. On iPad, iPhone, or iPod touch, users download the iTunesU app.

                          Desktop users can access  iTunesU on the upper right hand corner of the iTunes Store. iTunesU is also convenient because the store is categorized much like iTunes.

                          Users can search learning materials in many different ways, including genre and topic. However, courses are often a mix of free podcasts or videos, and paid content.

                          ITunesU does include courses on a pretty wide scope of topics, but does not integrate with Android, Google or Windows mobile devices.

                          9. Stanford Online

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                            Your hub for all the online offerings from Stanford University, Stanford Online offers self-paced and session based courses. While Coursera features some courses from Stanford, many classes are only available via other hosts. Some courses require iTunes, but most are completed in your web browser.

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                            Stanford Online is a great site for high quality courses, though the topics are somewhat limited compared to sites partnered with more than one school.

                            10. Harvard Extension

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                              Like Stanford Online, Harvard Extension features free online education courses from Harvard only. This is another excellent source for top notch course material, though the course variety is less rich than multi-school sites.

                              Additionally, Harvard Extension allows you to search for courses by professional certificate. This makes it much easier if your online education goal includes certification.

                              11. Open Yale Courses

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                                Open Yale Courses echoes Harvard Extension and Stanford Online, in that it offers only courses from Yale. While the site is similarly limited to topics taught at the school, Open Yale Courses offers a lot of videos of actual campus lectures. The availability of videos makes the site a great option if you’re looking for quality courses, but learn better by watching than by reading.

                                12. UC Berkeley Class Central

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                                  Much like the other schools on this list, UC Berkeley has a variety of free online education options. The school has slightly fewer courses than the schools above, but includes some supplementary lectures, webcasts and RSS Feeds, making it easy to keep up with the topics you choose.

                                  13. MIT OpenCourseWare

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                                    Similarly, MIT offers a variety of free courses. The school has a comparable number of courses to the schools above, plus includes very in-depth course materials on the subjects available. MIT also offers free RSS feeds, a convenient way to continue learning.

                                    14. Carnegie Mellon Open Learning Initiative

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                                      Carnegie Mellon’s free online education site is comparable with the other school’s on this list, however, Open Learning Initiative also covers a smaller range of topics. But for the topics that are covered impressive, in-depth material is available.

                                      15. Codecademy

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                                        Codecademy is a website dedicated specifically to teaching coding. Where other coding sites follow an example/practice session workflow, Codecademy includes a live practice window. This means you can practice coding while still viewing the lesson material.

                                        The courses at Codecademy are well written and easy to follow and the website is organized very nicely. Codecademy features a centralized dashboard where you can monitor your progress, plus organizes lessons into complete modules. This lets you learn an entire language without needing to pick the next course manually.

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                                        16. Code

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                                          Code is another website focused on coding and app writing. A site with high quality courses, Code also features learning options for kids.

                                          In addition to kid friendly courses, Code offers free online education classes on a wide variety of technology topics. These classes include app writing, robotics and Javascript.

                                          Most of the courses are also geared in a such a way that they can be useful in a classroom setting. This makes Code a great resource for harder to find coding topics, as well as various learning settings.

                                          17. University of London Podcasts

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                                            The podcast page on the University of London website is another great source for free education. While the courses are limited to podcasts, the site features podcasts from it’s own campus, as well as eleven universities in and around London. This gives learners a wide base of topics and lectures, but still ensures in-depth material.

                                            18. University of Oxford Podcasts

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                                              Similar to the University of London, the University of Oxford features many different podcasts. Most are public lecture series or lectures from visiting professors, with several different recordings available.

                                              The advantage to this particular site is that podcasts are organized into series, making it easy to subscribe to multiple lectures on one topic. Another good site for thoroughly in-depth lectures.

                                              19. BBC Podcasts

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                                                For the more casual learner, the BBC offers a wide variety of podcasts on many different topics. Most podcasts are updated weekly, and focus on everything from finance, to sports, to current events.

                                                Through the World Service line of podcasts, there are also many in different languages. The focus of these podcasts are less in-depth and theory based, which may be more accessible to the average person.

                                                20. TED-Ed

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                                                  Another great destination for more general learning is TED-Ed. From the same people that brought you the all encompassing, motivational web series, comes a site chocked full of educational videos. Most include impressive animation, and all are ten minutes long or less.

                                                  Not only is TED-Ed an excellent site for the curious, it also includes supplemental materials and quizzes on the videos. This makes the site extremely useful in formal education settings, as well as in entertaining ways to brush up on new discoveries and topics.

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                                                  21. LessonPaths

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                                                    LessonPaths is another great tool for those looking for a more usable and convenient way to access learning material. On this site, users create link playlists of their favorite learning materials from other sites. Users then rank these collections, making it easy to find many different high quality, accessible sources on a given topic.

                                                    22. Memrise

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                                                      Another impressive free online education site offering ease of use and convenience is Memrise. Available both on desktop and as an app, Memrise is a particularly powerful tool if you are studying a language. The site encompasses many other topics as well, though some of the course material is user generated content.

                                                      Part of what makes Memrise special is their integration of games into the learning materials, mixing learning with entertainment.

                                                      23. National Geographic Kids

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                                                        The kids site for National Geographic is another site that makes free online education applicable for younger users. For those looking for kid friendly education, a large variety of games, puzzles, videos and photos keeps kids interested on this site.

                                                        National Geographic Kids doesn’t organize learning into courses, making materials available by topic and medium instead. This makes National Geographic Kids a good option for those looking for a more casual learning environment.

                                                        24. Fun Brain

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                                                          Fun Brain is another good option for kids who want to learn online, but focuses on games and fun puzzles. Particularly focused on math and reading, Fun Brain’s game based approach can be valuable if the child in question struggles to pay attention.

                                                          Fun Brain offers rewards and challenges as well, and is another site aimed at a casual learning experience for kids K-8.

                                                          25. Whyville

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                                                            Similar to the sites for kids free online education is Whyville a destination for preteen online learning. The site includes a variety of social features, with a focus on learning materials geared for young teens.

                                                            Whyville also mixes in educational games, to make the site a well rounded option for kids too old for simple games, but too young for heavy reading based material.

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                                                            Featured photo credit: Dai KE via unsplash.com

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