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Be your net worth.Or, if you're like me, you will want to use a net worth tracking app to get it done automatically for you!Best Net Worth Trackers to Build WealthCalculating net worth is easy with these apps:Best for Free, Automated Net Worth Tracking: EmpowerBest for Investing Integration: BettermentBest for Collaboration with a Partner or Financial Advisor: Monarch MoneyBest for Spreadsheet Net Worth Tracking: Tiller MoneyBest for Tracking Traditional & Crypto Portfolios: KuberaBest for Budget Integration: YNAB (You Need A Budget)Best for Total Customizability: PocketSmithBest for Crypto Round-Up Integration: RoundlyXBest for Free, Automated Net Worth Tracking: EmpowerEmpower is a free net worth tracking app that allows you to sync your assets and liabilities.I've been using it for years now and it has everything you would need. Once you create an account, this app will be an effortless way for you to link your accounts and track your entire net worth.Empower combines smart tools with the personalized touch of a financial advisor to give you an investment strategy that fits your needs through its investment advisory services.Overall, when you create your account, it will walk you step by step through entering each and every asset and liability, allowing you to easily keep track of your net worth—for free! You can also use their free retirement planning tool to help find out how much money you need to save for retirement. 📈 Trusted by Millions | Free Retirement Tools & Insights Empower 5.0 Plan smarter, retire sooner—Empower helps you optimize your investments for free.Maximize your retirement with tools like Monte Carlo simulations and portfolio tracking.Take control of your future—get personalized insights to grow your savings. Start Your Free Retirement Plan Empower Review Best for Investing Integration: BettermentBetterment can help grow your money by making saving and investing easy. The app and web platform can allow you to invest in a tailored portfolio, set buckets for your goals, and earn rewards.Betterment can also help you track your net worth, while also providing some financial advice that can help you make smarter personal finance decisions.Learn how to manage your money and grow your net worth while also investing and doing some retirement planning with Betterment.The company recently added its Betterment Checking account, a mobile-first checking account and Visa debit card for your daily spending.If you choose to invest through them, Betterment charges a 0.25% management fee for its basic service, which it calls Betterment Digital, or 0.40% for its Premium offering.Best for Collaboration with a Partner or Financial Advisor: Monarch MoneyMonarch Money offers a cool option that allows you to share your account with a partner, each having separate logins.This can allow a couple to share the responsibility of watching how their money comes and goes, and how it grows.Make a budget that you can stick to together and watch your net worth grow. Or share your information with a financial advisor and they can offer you more customized advice.You can try Monarch Money for free for 7 days through this link without a

DUM VITA EST SPES ESTWHILE THERE'S LIFE, THERE'S HOPEStar Trek Adventures - How to PlayThank you for showing interest in playing Star Trek Adventures! This guide is to help you get started so you can Boldly Go, and all that jazz. Below you will find quick guides on what is required to play, how to create a Roll20.net account, how to join a game on Roll20.net, and mini-guides on how to create a character, quick explanations of game mechanics and links to other useful references and resources to help you get the most out of your Star Trek Adventures gameplay.What is Required to PlayTo get started, you will require several things to play Star Trek Adventures:A Microphone and access to the UFP Teamspeak ServerA Roll20.net accountOwnership of the Star Trek Adventures Core Rule Book (Physical or PDF copy)If you don't own the game, you can participate in one game, for free to see if you like it.Star Trek Adventures, like any table-top roleplaying game, is a very social and interactive game, and as such, voice communication will be required to play. This will be facilitated through the UFP Teamspeak server. If you do not have access to the Teamspeak Server, ask for help here.The game will be played on the Roll20.net Virtual Tabletop System, and will require that all players sign up for a free account in order to play. How to create an account will be covered later in this guide.Ownership of the Core Rulebook, either physical or PDF, is required just as if you were playing Stellaris, WoW, or Star Trek Bridge Crew. In the event that UFP and Modiphius (STA's publisher) develop a relationship (contests, giveaways, etc), requiring ownership from players participating in UFP sponsored events would be integral to maintaining that relationship. You can purchase Star Trek Adventures through Modiphius' Offical Store (Physical or PDF), Amazon, DriveThru RPG (PDF), or through your Friendly Local Game Store. Purchasing the PDF version of the book is by far the cheapest option, often at a third of the cost of the Physical Copy.Creating a Roll20.net AccountIn order to play Star Trek Adventures, you need a Roll20.net account, which is free. To create an account, go to and click the large, pink "CREATE YOUR FREE ACCOUNT" button, fill out the registration form, and there you go! Account created!One more thing of note though, when you create your account, your Display Name on the site is, by default, your First and Last name, to change this, go to and edit the 'Display Name' field to what you want and save changes.Joining an UFP Sponsored Event on Roll20In order to join a game being run by Starfleet Tactical staff, the Operations Officer

As we enter the second half of the year, I thought it would be a good time to check up on our net worth and show you how I track it.What is Your Net Worth?In simple words, your net worth is everything you own minus everything you owe. In accounting jargon, it is your assets minus your liabilities. Pretty simple stuff so far.Why Should You Track It? Your net worth is like the blood pressure of your financial life. Leave your blood pressure unchecked for a long time and you might be in for an ugly surprise. Same principle applies to your net worth, ignore it and most likely it will stay close to zero or even go negative.So the first reason for tracking your net worth is simple: to avoid ugly surprises. What about a more exciting reason? Motivation! Keeping track of your net worth will encourage you to make better financial decisions. After you have been at it for a few months, you will get even more motivation from seeing your net worth grow. Thus, creating a virtuous cycle to riches.How to Track it?My favorite tool for tracking our own net worth is Personal Capital. Personal Capital is a free online wealth management tool that allows you to link all of your accounts (checking, credit, investment, etc.) in one place. Here is a screenshots from my own account:1. Current net worth and history. 2. All accounts in one placeReady to get started tracking your own net worth? Follow these easy steps:Sign up for free. Link you online banking and investment accounts (debit, savings, credit cards, mortgages, 401-k, etc). These will be updated automatically every time you log in to Personal Capital.Link offline stuff. For example, my Tradeking investment account could not be linked automatically (I suppose Tradeking is too small of an institution). So I had to add those assets manually. Another thing that may fall into this category is your house, or if you have a bank account with a really small bank or credit union. So far, my Tradeking account is the only thing I haven’t