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Rethinking the customer journey in the age of AI


Think about the last time you needed a service you’d never bought before. A new accountant. A contractor. Someone to fix your marketing.

Where did you start?

For more and more buyers, the honest answer is: they asked AI.

The research backs this up. 6sense found that 94% of buyers used a generative AI tool during their most recent purchase process. Adobe Digital Insights reports that AI referral traffic converts 42% better than traffic from other sources.

So right now, someone who needs exactly what you sell is asking AI who to hire. In seconds, they’ll get a short list of recommended names. You’ll never see it happen. And you may not be on the list.

The journey survived. The stages got rewired.

The path a buyer walks hasn’t changed. They find you, warm up to you, learn to trust you, take a small step, buy, come back, and send a friend. That part is human, and it isn’t going anywhere.

At Duct Tape Marketing we map that path with the Marketing Hourglass: Know, Like, Trust, Try, Buy, Repeat, Refer. A funnel pours people in the top and forgets them after the sale. The Hourglass widens again after the purchase, because repeat business and referrals are where the most profitable growth lives.

What AI changed is how buyers move through each stage. Walk through all seven with me and notice which ones feel thin in your business.

Know: how buyers find you

Buyers now run a full research phase inside AI before they ever reach your site. Someone asks “who helps a $5M HVAC company with marketing” and gets three names. “Best service near me” gets answered right in the AI summary while the map listings go unclicked.

And AI builds those answers from Reddit threads, directories, and reviews. Sources you don’t control. Forrester found twice as many buyers named AI their most useful research source than any other, ahead of websites, experts, and sales reps.

Whether you show up in the answer now matters more than where you rank.

What wins: pages that plainly state who you serve and what you do, structured so AI can read them. Presence on the sources AI pulls from. A mix of organic and paid.

On the paid side, we ran a small test of ChatGPT Ads for a client at $500 a month. Within a few weeks it landed an $18,000 client, larger than their average deal, with a shorter sales cycle. The buyer got educated inside AI before ever reaching out.

Like: how buyers warm up to you

AI made competent content free. So competent no longer stands out. Blog posts that could carry any company’s logo. LinkedIn posts written in the same AI cadence. Advice that repeats what every competitor is already saying.

The human voice is the one thing AI can’t copy. The founder on camera saying something a competitor wouldn’t. A story from inside your business that only you could tell. A public stance on where your industry gets it wrong. A voice people recognize in two lines.

The rule I gave the room: use AI to produce, never to think.

Trust: how buyers come to believe you

The web filled up with fakes, so buyers doubt everything by default. Reviews that all sound suspiciously alike. Testimonials with no name and no face. Stock-photo “teams” and AI-generated headshots.

When anything can be faked, real and verifiable wins. Your actual face and your actual team. Named clients a buyer can go check. A video testimonial from someone people can look up. Pricing and process shown in the open. Getting quoted or interviewed somewhere you don’t control.

Quick gut check: do you have a named, real proof asset you could point to right now?

Try: how buyers take the first step

Buyers want to try before they talk to anyone. They research and self-qualify long before they’ll book a call. Yet in most small businesses there’s no step between “interested” and “book a call.” A buyer who isn’t ready to talk has nowhere to go, so they leave.

That gap is a leak, and it’s the cheapest one to fix. AI made a real, low-risk first step cheap to build: a 2-minute diagnostic that hands back a personalized answer, a free teardown of their current setup, a calculator or scorecard they can run themselves, or a small paid engagement instead of a leap to a big commitment.

A buyer who takes your first step arrives more qualified and closes faster.

Buy: how buyers decide

Buyers show up already decided. They’ve read your pricing and your reviews. They’ve compared you to 2 or 3 competitors. They’ve fact-checked your claims against AI. The last question in their head is “why you, and can I trust you?”

Your job moved from convincing to confirming. Make the yes easy with clear pricing, a plain statement of who this is for, and one obvious next step. Answer the last doubt before it’s asked with a comparison, a guarantee, or a real result. And make sure what AI and reviews say about you backs up your own pitch.

Repeat: how customers come back

Anyone can generate Know, Like, and Trust content now. A delivered experience still has to be earned.

Here’s the good news for small teams. AI can personalize the relationship at a scale you never could by hand. Onboarding that adapts to exactly what the customer bought. Check-ins timed to how they actually use what they purchased, rather than a generic drip. Friendly reminders when it’s time to reorder or renew. Churn signals that catch an unhappy customer before they walk.

Refer: how customers send a friend

AI can prompt the ask, but the referral still runs on a person. Trigger the ask right after a win. Hand the customer a ready-to-forward intro. Give them something that makes them look good for sharing it. And sign the thank-you yourself.

One question worth sitting with: what happens in your business that’s worth talking about? Pick one moment.

Now score your own journey

Grade yourself 1 to 10 at each of the seven stages. Be honest.

When business owners do this exercise, a familiar picture shows up. A strong Know score sitting next to a Try score of 2. A journey that goes quiet after the first impression. A referral that never gets asked for.

Every one of those leaks traces back to the same place: no strategy holding the stages together.

AI is a multiplier. Point it at a real strategy and it pulls the right clients toward you faster. Point it at scattered tactics and it spends your money getting you lost quicker.

Strategy first, then AI

Strategy First™ is the layer that tells the AI where to aim. Who you serve. What makes you the obvious choice. The message and content that carry through all seven stages.

You have the diagnosis. Now get the plan. Book a Strategy First session and we’ll walk your journey together and find the strategy underneath it.

Mortgage Rates Narrowly Avoid New 52-Week Highs as Bond Yields Surge Higher


It’s been another bad week for mortgage rates. No surprise here.

They continue to face upward pressure thanks to a protracted war that shows no signs of abating.

We were promised a swift resolution, and after an ill-fated peace deal, it now seems there’s no light at the end of the tunnel.

As such, oil prices remain elevated and bond yields are now at the highest levels in 52-weeks.

Mortgage rates are just about at their highs as well, and could move even higher if this continues.

10-Year Bond Yields Hit 52-Week Highs as War Goes On

The ongoing conflict in the Middle East has wreaked havoc on the housing market.

Just as mortgage rates hit the lowest levels since mid-2022, a war broke out and it sent them significantly higher.

While there was some hope we’d put it behind us, that ship has sailed (while very few ships sail the Strait of Hormuz).

That sent the bellwether 10-year bond yield to a fresh high today thanks to elevated oil prices and government spending related to the war in the Middle East.

It’s now hovering around 4.75%, which is the highest level seen since the very beginning of 2025.

And now it’s at risk of matching the highs seen in late 2023, when the 10-year was just shy of 5%.

If you recall, that’s when we briefly had those 8% 30-year fixed mortgage rates. But times are different today fortunately.

Spreads Are Helping Keep Mortgage Rates Below 52-Week Highs

For the moment, tighter mortgage spreads are keeping us below new 52-week highs for the 30-year fixed.

Back in 2023, mortgage spreads widened significantly as the mortgage market struggled in a post-QE world.

Because rates had increased so significantly in such a short span, secondary market liquidity was poor and MBS investors demanded a premium.

Simply put, the 7-8% mortgage rates didn’t seem destined to last and there wasn’t really a market for them yet because rates moved up so quickly.

Today, things are different because mortgage rates have spent a considerable amount of time at, above, or near these levels.

If you look at a mortgage rate chart like the one above from MND, we’ve bounced around these 6-7% levels for a while so there’s an established secondary market.

The prepayment risk is also lower because mortgage rates seem more entrenched and not likely to drop considerably.

That means fewer borrowers will apply for a rate and term refinance, and investors have more certainty that the loans they buy won’t simply get prepaid within months.

To that end, the mortgage rate spread between the 10-year bond yield and 30-year fixed mortgage is now around 200 basis points (bps).

Back in 2023, when the market for 7% mortgage rates was unestablished, it swelled to as high as 325 bps!

That meant a sub-5% 10-year bond yield resulted in near-8% 30-year fixed mortgage rates. Ouch!

Mortgage Rate Spreads Can Only Do So Much

So this explains why the 30-year fixed is still below its 52-week high while 10-year bond yields hit new ones.

Of course, it might not last if bond yields keep rising.

The 30-year fixed, as measured by Mortgage News Daily, hit 6.83% today. It’s 52-week high is 6.85%, reached just last week.

If we get more of the same fighting, escalation, and high oil prices, bond yields could well keep rising.

And it’s not out of the question for them to climb to those levels seen in late 2023 again or even surpass 5%.

If that happens, we’ll definitely have new 52-week highs for the 30-year fixed, but again due to spreads, we’ll stay well below 8%.

That’s why the odds of even a 7%+ 30-year fixed remain pretty low at the moment.

Despite the 30-year fixed averaging 6.66% this week per Freddie Mac, odds of it rising above 7% this year at still at a low 38% chance per Kalshi.

Again, this is because mortgage rates are in an established range today unlike in 2023 when they were only a year removed from being in the 3s.

We’ve been in a fairly tight range for nearly three years now, with the 30-year fixed 6.66% at the end of 2023 and only as high as 7.5% since then.

The low has been around 6%, so we aren’t nearly as volatile as we were in the 2021-2024 era when mortgage rates ranged between 3-8%!

Be grateful.

Colin Robertson
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Southeast Asia Private Equity Investment Slumps In Q2 As Exits Rebound


Private equity (PE) investment in Southeast Asia declined sharply in the second quarter of 2026, as investors remained selective amid geopolitical uncertainty and a subdued dealmaking environment, according to EY-Parthenon.

The region recorded 10 private equity deals worth $935.5 million during the quarter, compared with 19 deals totaling $9.2 billion in the first quarter, EY-Parthenon’s Southeast Asia Private Equity Pulse for Q2 2026 report showed.

On a year-on-year basis, deal volume fell 55%, while aggregate deal value declined 58%.

Capital deployment was concentrated in mid-market transactions. Only one investment exceeded $500 million, while no transaction crossed the $1 billion mark.

Real estate accounted for 90.8% of total investment value, largely due to an $850 million equity injection into Singapore-based ESR Group by existing shareholders Warburg Pincus and Sixth Street.

Technology represented 5.3% of quarterly deal value, while the consumer sector accounted for 2.2%.

Other notable investments included Apis Partners’ $50 million investment in Singapore-based human resources technology company BIPO Service Singapore and a $20.5 million investment in Little Farms Group by Asia Partners Fund Management and Panther Mountain Capital.

Despite weaker investment activity, Southeast Asia recorded its strongest exit conditions since the first quarter of 2022.

Eleven exits generated $4.2 billion in proceeds, with aggregate exit value more than tripling from a year earlier even as exit volume remained unchanged.

The largest exit involved Cuscaden Peak Investments, an indirect wholly owned subsidiary of Temasek Holdings, selling Singapore’s Paragon property for $3.03 billion.

Blackstone’s $900 million exit from Interplex Datacom ranked second, followed by Dymon Asia Private Equity’s $136.8 million exit from industrial company Newark.

Fundraising remained muted, with only one private debt fund closing at $320 million during the quarter.

EY-Parthenon ASEAN Private Equity Leader Luke Pais said stronger exit activity was an encouraging sign for capital recycling and could support a more constructive outlook for private equity sponsors in the coming quarters.



Spain adds barrier between Ceuta and Morocco after EU states warn on ‘uncontrolled mass crossings’



Spain on Saturday installed a 500-meter-long (1,600-foot) barrier on the sea border between its North African territory of Ceuta and neighboring Morocco after tens of thousands of migrants breached the frontier earlier in the week.

At least 67 migrants died, including some who drowned and others who were killed in a stampede to cross a breakwater barrier, the Spanish government said Saturday.

Spanish Prime Minister Pedro Sánchez slammed the reaction of some other European Union leaders to the events in Ceuta, saying calls for Spain to be suspended from the EU’s borderless Schengen zone were “driven by prejudice, fake news, ignorance, or political interest.”

A handful of exhausted migrants who swam to Ceuta’s urban Tarajal beach Saturday morning were met by soldiers who escorted them across the border. Most of the 50,000 to 60,000 migrants who entered the territory between Thursday and Friday soon went back.

“We are relentless against those who break the law,” Spanish Interior Minister Fernando Grande-Marlaska told journalists Saturday.

Questioned how the massive border breach could have happened given the heavy security on both sides of the border and whether Morocco posed a threat to Ceuta, Marlaska defended the government in Rabat.

“The events require an evaluation by Spain and Morocco,” he said. But it was the cooperation with its neighbors that allowed Spain “to revert the situation in 24 hours.”

“Morocco is not a threat to Ceuta, or to the rest of Spain. It is a reliable partner,” Marlaska emphasized.

EU leaders call for coordinated response

The leaders of 22 EU countries called for a coordinated response to the situation. In a letter to top EU officials, released Saturday by the Danish prime minister’s office, the countries asked the EU’s current Irish presidency to urgently convene a videoconference of interior ministers.

“We cannot allow uncontrolled mass crossings, the instrumentalization of migration or other hybrid threats to create the perception that illegal entry into the European Union is possible. That a migrant’s illegal entry can turn into legal stay,” the letter said. “Such a perception would encourage further attempts, undermine confidence in our common migration policy and have repercussions for all Member States.”

Leaders of Italy, Denmark, Austria, Belgium, Bulgaria, Cyprus, Croatia, the Czech Republic, Estonia, Finland, Germany, Greece, Hungary, Latvia, Lithuania, Malta, the Netherlands, Poland, Romania, Slovenia, Slovakia and Sweden signed the letter.

Sánchez also asked for a videoconference of EU interior ministers to “enable us to establish a common response to situations of this kind and reaffirm that the security of our external borders is a shared responsibility of all Member States, and not only of those on the Union’s front line.”

Italian Premier Giorgia Meloni has threatened to suspend Italy’s open-border Schengen agreement with Spain, and Italy was reimposing border controls for people arriving from Spain by air and sea.

“In the current international context, the European Union cannot afford this kind of selfish, polarizing and unlawful reaction,” Sánchez wrote in his letter.

Migrants head back into Morocco

Hundreds of migrants returned to Morocco on Saturday. Some told an Associated Press reporter they were returning “of their own free will” after what they described as degrading treatment on the Spanish side of the border.

Migrants walked along a long stretch of wave breakers before slipping into Morocco through a small breach in the border fence that had become an informal entry point. Moroccan police and soldiers watched. Most of the migrants were Moroccans, while a smaller number were from sub-Saharan Africa.

Hungry and angry, some barefoot or shirtless and others nursing visible injuries, those who returned said they had “seen hell in Ceuta.”

“I decided to come back on my own,” said Ouail Lamzeiz. “I spent eight days in Ceuta, and I was about to get a bed at the migrant center, but I hadn’t eaten for days. Even the Moroccans there didn’t help,” he added, showing a document supporting his account.

His friend, Salah Eddine El Arrage, said he decided to return to Morocco after, he said, Spanish police beat him.

Migrants said they spent their nights sleeping in the forests around Ceuta because they could not find shelter, and that they often fought over food.

One, Othmane El Merzoug, asked passersby for a phone call so he could reach his family and ask them to send money for the journey back to his hometown, about 189 miles (305 kilometers) from the border.

Along Ceuta’s Tarajal beach, sunbathers largely ignored the streams of migrants walking toward the border.

Ceuta resident Mohamed Abdelatif, 21, said the border rush had ruptured the city’s peace.

“The reality is, it’s not good,” Abdelatif said, before wading into the water with his girlfriend.

The road linking the Moroccan town of Fnideq to the border crossing bore the scars of the unrest. Burned-out vehicles sat along the roadside, while the acrid smell of smoke still hung in the air. Police barriers channeled traffic toward the crossing, and water cannons remained stationed nearby.

“Life in this city has been disrupted as a result of the border incident,” said Ceuta President Juan Jesús Vivas. “The return of people has begun satisfactorily but the process must be completed.”

In the Moroccan city of Tangier, about 75 kilometers (46 miles) west of Ceuta, the main railway station was busy with people returning. Some slept on the ground.

“I tried to cross, but I failed. I stayed near the border with Ceuta for two days, but I couldn’t find anything to eat,” said Abdalah, an aspiring migrant who asked that his last name not be published out of fear of retaliation for trying to cross illegally.

But some who made it to Ceuta were determined to stay. Among them was Mohamed Hatri, a 23-year-old Moroccan.

“They’ve closed everything down so that we can’t buy anything to eat, to force us to return to our country,” he said, adding that he and others were determined to stay “whether we’re hungry or not.”

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Trump vows to restore ‘Anti-Weaponization Fund’ while Tillis slams it as a ‘payout pot for punks’



President Donald Trump on Saturday threatened to push forward with a fund to compensate his allies if two Republican holdouts will not support his nominee for attorney general, injecting fresh uncertainty into a Senate confirmation vote planned for next weekand underscoring once more his interest in securing payouts for supporters who feel unjustly persecuted.

Trump asserted in his Truth Social post that he would keep acting Attorney General Todd Blanche in his current role and press ahead on the “Anti-Weaponization Fund” if Sens. John Cornyn of Texas and Thom Tillis of North Carolina refuse to back the former federal prosecutor who was key member of Trump’s defense team when the Republican battled four indictments.

The administration needs their votes but both lawmakers have protested Blanche’s selection because of a lawsuit settlement that created a $1.8 billion fund to compensate people who feel mistreated by the criminal justice system and provided Trump and family members with immunity from tax audits.

In a sign of apparent progress Friday, Trump pronounced the fund “dead.” As negotiations continued into the night, the chairman of the Senate Judiciary Committee, Sen. Chuck Grassley, rescheduled a committee vote for Blanche that had been postponed earlier in the week.

A spokesperson for the committee said Grassley, R-Iowa, would like to see Blanche confirmed before the August recess and that putting the Tuesday vote on the calendar “gives more time for the White House to secure the votes for the President’s nominee.”

But by Saturday morning, those plans were in jeopardy with a new announcement from Trump that appeared to put the fund back on the table — and dinged the two senators who are leaving Capitol Hill when their terms end in January.

“If Senators Cornyn and Tillis, both upset because I wouldn’t Endorse them (they lost, and quit, respectively!), aren’t going to approve Todd Blanche, one of the most respected professionals, according to everybody, in the Country, to be the United States Attorney General, then I will keep Todd as Acting A.G., and push hard” to restore the fund. The president insisted, as he previously has, that the fund “takes care of those who have been so badly treated” during the administrations of Democratic Presidents Barack Obama and Joe Biden.

Tillis, who is retiring, took note of the president’s turnabout by saying in a post on X that despite Trump’s comments Friday, he “clearly intends to resurrect the payout pot for punks either by inappropriately establishing another bogus fund or pushing Congress to vote for a bill that the majority of Republicans in the Senate would be against.”

He added: “It’s unfortunate that Todd Blanche, who I consider qualified for the job, will not be confirmed because of this reversal. Hopefully, we can resolve this by Tuesday.”

Blanche had said at a hearing two months ago that the anti-weaponization fund would not move forward after Republican senators revolted and held up an immigration funding bill.

But Tillis and Cornyn, who lost reelection this year after Trump endorsed his primary opponent, said they want to ensure that the White House does not reverse course, especially as Trump continues to argue that a fund is needed.

The Department of Justice has provided the senators with language that says Blanche’s May 18 order establishing the “Anti-Weaponization Fund” is “rescinded and shall have no force or effect,” according to a document reviewed by The Associated Press.

Cornyn and Tillis have said they also want some clarifications on a separate piece of the settlement that would grant Trump and members of his family immunity from tax audits. Cornyn said this week that it was his understanding that the audits could extend to more than 100 different Trump organization subsidiaries into the future.

“Todd Blanche said it was limited to the parties to the litigation — and it was retrospective, not prospective,” Cornyn said. “And all we’re doing is asking them to put that in writing.”

X Money Review: Pros, Cons, and Alternatives



X Money Logo

Quick Summary

  • New personal finance app from X (formerly Twitter) 
  • High Savings Annual Percentage Yield (APY) of up to 6% 
  • Earn 3% cash back rewards on eligible debit purchases 
  • Send money to other X users free of charge

GET STARTED

Pros

  • Excellent savings APY

  • Earn 3% unlimited cash back rewards

  • No foreign transaction fees 

Cons

  • Invite-only access

  • Best features require X Premium+

  • Very new, untested platform

X Money is a personal finance app available on an invite-only basis to eligible Premium X users. It combines high-yield savings, peer-to-peer payments, a Visa debit card, early direct deposit, and everyday banking features into your X account.

Wondering if X Money is worth signing up for if and when you receive an invite, or if access is expanded to the broader public? I’m covering the key features, pros and cons, and more in this full review. 

Table of Contents

What Is X Money?
What Does It Offer?
Are There Any Fees?
How Does X Money Compare?
How Do I Open An Account?
Is It Safe And Secure?
How Do I Contact X Money?
Is It Worth It?

What Is X Money?

X Money is a new financial platform built by X, the social media company formerly known as Twitter. The product officially launched in the U.S. in July 2026, as part of Elon Musk’s plan to turn X into an “everything app.”

X Money is not a bank, but a fintech that offers traditional banking services through its banking partner, Cross River Bank. Deposits are held with partner banks and are eligible for FDIC insurance. At this point, X Money is primarily designed for X users who want to manage their day-to-day finances from a single app.

X Money homepage

What Does It Offer?

X Money combines several products you’d normally expect from other popular fintech apps. Here’s a closer look at some of its key features: 

High-Yield Savings 

One of X Money’s biggest selling points is the interest rate. At the time of writing, it offers up to 6.00% APY on qualifying deposits, a rate that is much higher than most traditional banks currently pay. This is also better than any bank on our list of the best high-yield savings accounts.

The 6% rate is available to X Premium+ Tier users, though X Premium users can qualify for a Boosted rate of 6% through a qualifying deposit of $1,000 or more. 

The deposit can be an ACH direct deposit or an X Creator Payout through the Creator Revenue Sharing or Creator Subscriptions programs. Make sure you visit X Money for full terms and conditions.

The standard rate is 4.00% APY for X Premium Tier – which is comparable to the top savings accounts today. 

X Money High-yield savings

Early Paycheck

Like many fintech apps, X Money supports early direct deposit. If your employer submits your payroll early, you may be able to receive your paycheck up to two days before your scheduled payday. You can then pay bills and transfer money without leaving the X app. 

Send Money

X has built peer-to-peer payments directly into its platform. Instead of searching for someone’s phone number or email address, you can send money using their X handle. Transfers happen in real time between eligible X Money users, making the experience feel more like sending a direct message than making a bank transfer. Currently, these transfers are limited to other X Money users, so it can’t compete with platforms like Venmo or Zelle just yet. 

Screenshot of the X Money transfers feature

X Card 

Every X Money account comes with an X-branded Visa debit card. You can use the card anywhere Visa is accepted, and it supports Apple Pay. There are no foreign transaction fees, and you’ll receive free ATM withdrawals worldwide. Many out-of-network ATM fees are even reversed. This is a great feature if you’re a digital nomad or frequent international traveler. 

X Money Debit Card

3% Cash Back

The X Card also earns unlimited 3% cash back on eligible purchases made with your X Card, except for purchases in certain spending categories, such as Securities Brokers and Dealers, Wire Transfers and Money Orders, Video Game Arcades, Tax Payments, Postal Services, Betting and Lottery Purchases, and more. Visit X Money to see the full list of ineligible spending categories. 

You can view the cash back rewards you’ve earned in the Money section of your X account once you’ve made a purchase and the transactions have settled. According to the X website, cash rewards are credited every seven days. 

Are There Any Fees?

One thing I really like about X Money is its simple pricing. There are no monthly maintenance fees, no foreign transaction fees, no fees for peer-to-peer transfers, and no fees for regular ATM withdrawals. Bill pay, domestic wire transfers, and mailed checks are also free. 

Where X Money makes money is through your X Premium or Premium+ subscription. Remember, the platform is currently only available to these paying members. If you’re not already paying for X Premium, you’ll want to factor that cost into the equation.

X Premium starts at $8 per month ($84 annually), and Premium+ starts at $40 per month, or $395 annually*.  

*Note that these are U.S. web prices. Depending on how you subscribe to Premium or where you are located, your pricing could be higher.

How Does X Money Compare?

At the moment,
X Money’s closest competitors appear to be fintech banking platforms like SoFi, Chime, or Cash App. X Money stands out for its combination of a high interest rate, unlimited 3% cash back, and integration with the X platform. If you spend a lot of time on X, then it could be a very convenient way to manage your day-to-day spending, savings, and payments. 

However,  if you don’t use X regularly, the platform loses its appeal. In that case, you’ll be better off with established fintechs like SoFi or Ally, which offer broader banking services. 

Header
X Money Logo
SoFi Student Loans
Cash App 2024 Logo

Rating

Pricing

$8 – $40/month

$0

$0

APY On Savings

Up to 6%

3.10%

Up to 3.25%

Debit Cash Back

3%

0%

0%

Free ATM Withdrawals

Yes

Yes

Yes

Cell

OPEN AN ACCOUNT

READ THE REVIEW

READ THE REVIEW

How Do I Open An Account?

At the moment, X Money operates on an invite-only system and is available only to eligible X Premium users in the U.S.

Once you are invited, you’ll need to complete ID verification, connect your funding source, and receive your X Visa card once your account is approved. X Money states on its website that it is planning to expand access to more users soon. 

Is It Safe And Secure?

Overall, X Money includes many of the protections you would expect from most other fintechs. As mentioned, deposits are held through partner banks and, as such, are eligible for up to $250,000 of FDIC coverage. If you have a larger balance, you may qualify for expanded coverage through a multi-bank sweep program up to $10,000,000.

X Money Cash Sweep FDIC Insurance

For account security, X Money uses passkeys for fast and safe authentication, as well as advanced security controls you can opt into. 

How Do I Contact X Money?

X Money offers 24/7 customer support through in-app chat, with both AI assistants and live agents available. You can also access self-service help articles and FAQs through the X Money Help Center. 

Is It Worth It?

After looking at the features, it’s hard not to be impressed with what X Money is bringing to the table at launch. A 6% APY, unlimited 3% cash back, free global ATM access, no FX fees, and free P2P payments make for a very attractive package. If you’re an active X user, especially a creator already earning income through X, this could become a solid replacement for your traditional checking account. 

The biggest drawback right now is that it only exists through the X platform and is invite-only. And you need to pay for an X subscription to get all of the benefits. Also, the platform is very new and unproven. But if you’re on the X platform and have received an invite, it might be worthwhile to at least dip your toes in and give it a try. 

Check out X Money here >>

Editor: Robert Farrington

The post X Money Review: Pros, Cons, and Alternatives appeared first on The College Investor.

First National mortgage volumes fall 12% as housing activity slows




Higher renewal volumes partially offset weaker new business, while mortgages under administration increased to nearly $170 billion.

Capital One Transfer Bonus, Get 15% More Avianca LifeMiles


Capital One has a new transfer bonus that kicked off today. You can currently get a 15% bonus when you transfer your Capital One Miles to the Avianca LifeMiles program.  Besides Avianca flights, you can use these miles for Star Alliance partner airlines as well. Let’s take a look at the details of this promotion.

Capital One Transfer Bonus for Avianca LifeMiles

Limited Time Offer: Eligible cardmembers can transfer Capital One Miles to Avianca LifeMiles and receive 15% Bonus LifeMiles. Offer is valid for transfer to Avianca LifeMiles completed between August 1 and August 31, 2026.

Here are some important details about this Citi Capital One transfer bonus for Avianca LifeMiles:

  • Transfers to Avianca LifeMiles are often completed within 24 hours, however the process may occasionally take up to 5 business days. 
  • Transfers require a minimum of 1,000 Capital One Miles.
  • First and last name on your Capital One account and loyalty partner account must match.

About Avianca LifeMiles

The Avianca LifeMiles loyalty program allows members to redeem miles for airline tickets, hotel stays, car rentals, and more. As a member of Star Alliance, Avianca serves more than 100 cities in North, Central, South America, and Europe, and offers LifeMiles members access to more than 1,300 destinations worldwide.

Star Alliance redemptions have no fuel surcharges, which makes LifeMiles quite valuable. Domestic U.S. flights on United for example at just 6,500 LifeMiles each way. Business class awards start from  15,000 miles. But some of the most attractive redemptions include Lufthansa First Class or Swiss Air Business Class to Europe.

Earning Avianca LifeMiles is relatively easy. There are two credit cards, the Avianca Vuela Visa and the Avianca Vida Visa issued by Banco Popular de Puerto Rico. Plus Avianca LifeMiles are a transfer partner for Citi and American Express, in addition to Capital One.

Capital One Transfer Partners

Customers will need to transfer a minimum of 1,000 Venture X, Venture X Business, Venture or Spark Miles at a time to travel loyalty programs, and will need to transfer in 100 mile increments.

If you’re an eligible Capital One cardholder, you can transfer your rewards by signing in to your account online or through the Capital One Mobile app. Once you’re signed in, navigate to the rewards section button and select the option to transfer your miles. Before you confirm, remember that there’s no way to transfer miles back into your Capital One rewards account.

Partner Ratio
Accor Live Limitless 2 : 1
Aeromexico Club Premier 1 : 1
Air Canada Aeroplan 1 : 1
Air France KLM Flying Blue 1 : 1
Avianca LifeMiles 1 : 1
British Airways (Avios) 1 : 1
Cathay Pacific Asia Miles 1 : 1
Choice Hotels (Choice Privileges) 1 : 1
Emirates Skywards 1 : 1
Etihad Airways Etihad Guest 1 : 1
EVA Air Infinity MileageLands 2 : 1.5
Finnair Plus 1 : 1
I Prefer Hotel Rewards 1 : 2
Japan Airlines Mileage Bank 2 : 1.5
JetBlue TrueBlue 5 : 3
Qantas Frequent Flyer 1 : 1
Qatar Airways Privilege Club 1 : 1
Singapore Airlines Krisflyer 1 : 1
TAP Air Portugal (Miles&Go) 1 : 1
Turkish Airlines (Miles&Smiles) 1 : 1
Virgin Red 1 : 1
Wyndham Rewards 1 : 1

Guru’s Wrap-up

This is a decenet opportunity for those who need to add more Avianca LifeMiles to their accounts. We see this offer normally once or twice a year.

I always suggest not to transfer points speculatively, because once you transfer, there’s no going back.

Let me know in the comments if you plan to take advantage of this Capital One 15% transfer bonus for Avianca LifeMiles? Also check out all the current transfer bonuses for other currencies.

HT: Anki

Thousands in Amsterdam for boisterous WorldPride in shadow of Berlin attack




Thousands in Amsterdam for boisterous WorldPride in shadow of Berlin attack