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Investing is one of the most celebrated theme here at One Cent at a Time. Where we discuss everything about investing, including where to invest my money, real estate investment, Gold and silver investment, etc.

Its time now to talk about a new investment choice called Motif. Motif is perhaps named after “Motives”, the reason behind doing things. A Motif is an investment vehicle where you accumulate stocks as per a particular motive or idea, the set is called a “Motif”.

Motif Investing review

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The following is a guest post on Mobile Payment Technology and how can you use it for saving money.

Mobile Payment

Mobile payment technology offers an alternative to a cash or credit card transaction at stores and even some restaurants, such as Starbucks. It simply means you pay using an app on your smartphone rather than with cash or a credit card. Some applications are put out by the retailers themselves, such as the Starbucks app, while others like Google Wallet, are created by non-retail companies that collaborate with banks or credit card companies. These payment types will continue to gain market share over the coming months and represent a real shift in what has been either a cash or credit card processing dominated world.

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I got a flyer in my mailbox – a colorful red and blue 3×5 card – declaring, “Goodbye Netflix, Hello Blockbuster.” It’s now Blockbuster’s turn to fight back in the DVD rental wars. Once defeated, Blockbuster got a fresh start when DISH Network bought it (only after its huge debts were written off due to bankruptcy).

Powered by DISH Network’s 14 million subscribers and their set-top boxes, Blockbuster’s latest offerings allow you to stream movies and rent DVDs by mail.

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Beware people at PayPal, Your dominance in person-to-person payment is now threatened. You now have competitors in Google wallet, visa and AMEX Serve, to name just the major ones.

Mobile payment market is expected to grow to $640B by 2014 and big companies are working hard towards grabbing the largest pie of it. Advent of technology coupled with few fresh ideas resulted in mushrooming of start- ups in digital payment landscape.

Companies with big fat wallet were quick to notice this opportunity and grabed the most potential ones. American Express grabbed a company called ‘Revolution Money’ and after the amalgamation the product, which went live in March, is called ‘Serve’. 

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In winter I was in hospital to see my friend’s new born. There, I witnessed a heated dispute between a patient and the hospital authorities over hospital charges. There was no way that patient could have afford $5000 for a day at the hospital because she didn’t have sufficient insurance.

I am a salaried employee and only get concerned about my co-pay and deductibles, I had not much idea about health care cost prior to that incident.

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