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The banking app Qapital allows users to set unlimited savings goals and develop rules to trigger automatic savings. "It helped me get organized around an emergency savings account (and) down payments for important financial decisions like a car," says Josh Tammaro, a 27-year-old from Boston. "Using Qapital's rules and goal-based savings accounts helped make saving more actionable and rewarding." For instance, Tammaro created a rule that whenever he used the Lyft ride-sharing service, Qapital would transfer $5 toward his savings goals of a down payment on a car. A basic plan on Qapital costs $3 a month. Plans that include a debit card and investment options cost $6 and $12 a month.
“It’s encouraging to see people get involved again. Now people are finally starting to get it and get on board,” she said.
Financial institutions use incentives such as enhanced interest rates or cash back offers to encourage customer loyalty. For instance, Bank of America Preferred Rewards program gives a 5% interest rate boost on savings accounts and a 25% rewards credit card bonus once account holders have a three-month average balance of at least $20,000 in combined Bank of America and/or Merrill Investment accounts. Citi also offers ThankYou Rewards points to its banking customers that can be redeemed for cash rewards, travel and merchandise. Those using rewards and cash back credit cards need to pay off their balances each month though. Otherwise, the card will cost more than it saves, says Katie Ross, education and development manager for the nonprofit American Consumer Credit Counseling.


Recently, he said, a piece created by David Bowie was found at a donation centre in Northern Ontario, and cost the owner $5. The auction is still going, but bidding is "north of $20,000."