What better way to teach your kids about money management than by giving them a piggy bank? Fintech across Europe has been growing rapidly and proving to be a strong element in not just the tech sector but across entire economies. Fintech development has been slow in Italy in comparison to the rest of the European Union but that has started to change in 2015 with the innovation from startups such as Borsadelcredito and Jusp. The UK has been leading fintech development in Europe with large investments into start-ups over the past 3 years.
Nutmeg is available for the retail British investors with small amounts of money to invest. Zen Assets, on the other hand, targets professional investors tired of paying huge fees to their underperforming flesh-and-blood advisors. As the levels of investment in fintech continue to rise, there is likely to be an increase in the number of platforms providing robo-advisor services all across Europe. Today’s contributor is Jill from Snugglebug University.  All posts written by Jill for Make It and Love It can be found HERE.
At my daughter’s school, kids can either bring money to buy lunch or they can use a card that their parents have added money to. It seems they always need to bring a few dollars to school for something, and I’ve found from experience that it’s super hard for my kids to not lose the money before they need to spend it!
I thought this little zippered apple pouch would be a fun solution to our lost money problem!
The pouch is small enough to be a key chain.  The apple pouch hooks onto an outside zipper pull, or clips inside one of the backpack compartments. The apple pouch is really sturdy too, even though it’s made out of quilting cotton, because it is lined and made with fusible fleece. After I finished making the apple pouch, I added a little felt leaf to embellish it a little more.
Place the apple top piece (fused to fusible interfacing) so that the right side of the apple top piece faces the front of the zipper. Now repeat with the apple bottom pieces (both the fusible fleece fused piece and the lining piece). When you finish sewing, both the top and bottom pieces of the apple front will be attached. Continue by moving the zipper into the open position, with the zipper pull in the center of the apple. If you’d like another fruit inspired craft, click on over to my blog to make this citrus pincushion!
If you have a dad, husband or even a son who’s a father and they seem to already have everything, choosing a gift can be difficult to say the least. The finance sector has been one area in which technological innovation has faltered in comparison to the e-commerce or advertising markets. One firm that has been helping Fintech development in Italy rapidly grow has been Money Farm. Berlin is leading the charge with start-ups such as Mambu and Smava; however Hamburg is creeping up led by the robo-advisor platform from Owl Hub. According to Accenture, around 53% of Europe’s fintech deals since 2004 have taken place in the UK and Ireland. It welcomes first-time investors and provides additional services, such as the Nutmeg ISA and personal pension.


It offers clients a full automated investment management service that is much more affordable than the industry average.
Robo-advisors are reforming the manner in which wealth management services are being offered.
I often forget to add money to the card and I end up scavenging around the house for change in the morning.  Other times my kids need money for a book fair or a bake sale. Make sure you leave both ends open.  Then turn right side out and top stitch along each side. It is important to leave the zipper in the open position so that it is possible to turn the apple pouch right side out. However that has now all changed with the introduction of a number of robo-advisor platforms. They provide a unique service that operates investment portfolios in a similar way to a savings account. Nutmeg and Zen Assets are two that are at the forefront of robo-advisor platforms in the UK.
You will pay a flat fee of 0.5% to get your portfolio managed for a year (regardless of its size).
My son is notorious for losing his money on pizza day at school, so this is perfect for him especially. Their robo-advisor provides a portfolio derived from ETFs that is matched to an investor’s risk appetite. Investors can then decide how much they want to save on a weekly basis and even link their portfolios to a bank account. In comparison with other European robo-advisors, Zen Assets’ investment team has stronger educational and professional background.
It is important to understand that every automated platform is backed by the human talent and fuelled by it. Methinks it would also make a great little gift for some August birthdays we have coming up.
These are then invested into a diversified portfolio of ETFs depending on the risk appetite of the investor. Prior to founding Zen, they have successfully managed over $1.25 bn in private clients’ funds at Goldman Sachs.
Initial investment methodology was developed by real people with solid educational backgrounds and years of practical experience under their belts. You can create a Father’s Day gift that is completely unique and unlike anything anyone else would even consider. Robots are here to simplify our lives, reduce stress associated with investing and cut all unnecessary fees. In honor of fathers everywhere, we have compiled a list of 60 great DIY Father’s Day gifts that you can easily make yourself. Some of these are a bit more complicated than others but they are all very unique, very special and are sure to put a smile on dad’s face.
Instead of trudging through lines at the sporting goods store to get him something that he may already have, just make him something yourself. Not only do you get to create a protective sleeve for his tablet, but the pattern has areas for holding pens and pencils and other necessities so this will quickly become his favorite accessory. It has room for everything and will fit all standard sized tablets, readers and other digital devices.


You simply use the record for the clock base and then follow the directions on the clock kit to put it all together.
If you have an old record to use, this one will only cost you the kid which really isn’t that expensive. If you don’t have a record that you can use, you can probably pick one up at a thrift store or yard sale.
Note that if you don’t have a pocket watch, they are really inexpensive at thrift stores and flea markets. Choose the pictures that you want to use and then cut them appropriately to put inside the watch. You will need mod podge to secure the pictures and protect them a bit from being scratched as they are looked at. You can change the matting in the frame if you can’t find the color that you want and then just add your special message to dad in Scrabble tiles.
Choose pictures of the family to display and then add a message saying how much you appreciate his hard work.
If you have an old tie around the house that won’t be missed, turn it into a great holder for dad’s sunglasses or reading glasses. He’ll love the uniqueness of this gift and you will love the ease of pulling it all together. This laptop riser will make it much more comfortable for him to lounge around while using his laptop. You will need a bent plywood stool, a saw, two screw-in towel hooks, an extension cord and cable tacks. This is one of the easiest DIY gifts and you can make it for much, much less than it would cost to purchase it. It is super easy to create and you can do it in whatever color or design you (or dad) prefer.
It has a sturdy handle made from wood so it’s great for piling pretty high with firewood and you can whip one up in about an hour or so even if you don’t really sew a lot.
Once the bottles are cleaned and dry, you simply fill them with dad’s favorite treats like candy, nuts or sunflower seeds, recap and then use printouts to label them and give each a special message. If dad has a mustache, or used to, this is a great gift idea and it’s one that the kids could do. You will need a plain ceramic mug which you can get at the Dollar Store for around a dollar. You also need a sharpie and Pebeo porcelain gel and pen which you can pick up at a craft store. To make it, you need a piece of dowel, a pine board and some plywood which you may have on hand already if you tend to do woodworking projects. No where in the title does it say EASY… A search engine will look for a combination of whatever words you type, you should be more deligent in reviewing the search results before you drill into themReply emily L.



Earn money online free pdf writer
Take control of your subconscious mind pdf viewer
Internet based money making opportunities 562
Can you make money online with surveys