Tag: Dating

 

What to do When Your S.O. is Bad With Money

Being on the same page financially with your significant other is crucial to the success of your  relationship. It’s easy to understand why: Money is a leading cause of stress in relationships and results in more than 21% of divorces in the U.S.

When your partner is bad with money, it can be challenging because you are often emotionally invested in his or her money issues, which can be detrimental to the relationship.

If you feel stuck and want to help your S.O. get better with money, here are five tips to help you take action.

1. Focus on Triggers

If you feel your significant other is bad with money, start by trying to understand what triggers him or her. Does he spend too much money? If so, what is he spending money on and why?

Sa El, co-founder of Simply Insurance, says that both he and his partner had problems managing money at the beginning of their relationship.

“We decided that we needed to understand the things that triggered us to spend money at the wrong times or to buy things we actually didn’t need,” El says.

“If you don’t fix the destructive spending triggers first, it’s going to be very hard to manage your money.”

2. Lead By Example

Sometimes actions can speak louder than words when it comes to getting your partner on board with your financial goals.

Diana Hall, a writer who blogs about side hustles on her site Side Jam Biz, has a long-term partner who’s hasn’t shown an interest in getting out of debt.

“My plan is to pay off what is currently in my name to show him it can be done,” Hall says.

“I also want him to witness how much better our lives can be once we are free and clear.”

Hall says that money has caused a lot of tension in her relationships and led to some heated discussions. This is why she is choosing to take action on her end first and not push too hard – in the hopes that her partner will come around and follow her lead.

3. Accept Their Money Flaws and Lead With Transparent Communication

We all have our flaws, and perhaps in your case this means your partner isn’t great with money. You may need to accept this.

Mike Pearson, founder of Credit Takeoff, says his wife is pretty bad with money.

“Bless her, but my wife doesn’t really know anything about budgeting, investing, saving for college for our two kids, saving for a down payment for a home we hope to buy in a few years, or even how much our income and expenses come out to each month,” says Pearson.

“However, that’s okay because I’m pretty good at this stuff, and we work well as a team thanks to regular and transparent communication.”

Pearson says he handles all the family’s finances but his wife knows exactly what’s going on. Each month, they sit down to review their net worth and their 529 balances for their kids. They also review how much they spent during the last month and how much they earned.

Pearson’s solution is interesting because he was able to accept his wife’s flaws when it came to managing money. Yet, while he takes on the bulk of the responsibility when it comes to money management, his wife is still aware of what’s going on and can do her part to support their financial goals.

4. Sit Down and Create a Budget Together

Depending on your situation, you may want to dig deeper and recognize why your partner is not good with money. Perhaps he never learned about money growing up. Maybe she thinks she’s good with money when she actually isn’t.

Take the opportunity to communicate and manage money as a team. While you’re at it, show your S.O. the benefits of budgeting, tracking your spending, and saving money. This way it won’t seem so overwhelming.

McKinzie Bean, founder of Mom Makes Cents, found that sitting down and creating a budget with her husband helped him get better at handling money.

“I put together a simple budget spreadsheet and the first Saturday of each month we would sit and fill out the spreadsheet together,” Bean says.

“Seeing what he thought he was spending vs. what he was actually spending was a game changer.”

5. Say Something Before It’s Too Late

If you’re having money problems in your relationship, it’s important to speak up and talk to your partner about solutions sooner rather than later.

Robert Gale, who blogs at Real Money Robert, admits he made a lot of bad money decisions with his ex-wife and racked up a lot of debt as a result. When they divorced and she filed for bankruptcy, he had to file with her or risk taking on all the remaining debt.

“We filed for bankruptcy through the process of the divorce and I learned a valuable lesson about debt and money,” Gale says.

“My outlook has been forever changed as a result and now I refuse to incur debt and instead focus on saving money when I want to make purchases or go on trips.”

Along those lines, your relationship doesn’t have to come to an end just because your partner is bad at money.

Kim Studdard, founder of The Entrepremomer, admits she put her foot down and gave her husband an ultimatum when they were dating.

“My breaking point was when I swiped our debit card and it got declined because he had spent all our money on gadgets,” Studdard says.

“Me telling him to stop spending recklessly or I’d leave actually helped clean up his act. He promised to do better and we spent the next few months going over our finances together and budgeting as a team, which helped us pay off debt together in three years.”

Be a Supportive Partner and Focus on Improvement

If your partner isn’t good with money, it doesn’t mean your relationship is doomed. If he or she is willing to make some changes and meet you halfway, you stand a better chance of getting on the same financial page.

In addition, by following these five tips, you’ll get a good running start when it comes to helping your S.O. be better with money. Just remember to be transparent and communicate often. And, discuss your differences calmly, while working together to create an action plan. It may be a cliche, but sometimes teamwork really does make the dream work!

 

The Important Relationship You Shouldn’t Overlook

Less than one-third of Americans feel confident in banks, according to a Gallup poll. This is about the same level of confidence Americans have in the criminal justice system or the presidency. Yikes.

If you’re wondering what’s to blame for this, you might consider the 2008 financial crisis, which was engineered by Wall Street. Or the cascade of bank scandals, which have besieged stalwarts like Wells Fargo and Citibank. Or the abundance of banking fees, which cost the average American $329 per year.

Rather than looking backwards, however, we’d prefer to focus on the future. We’d like to zero in on how Americans can change their relationships with banks. So, we’d like to start with a simple question: If your bank was a person, would you remain in your relationship?

Indeed, just like a bad boyfriend, a negative relationship with your bank can damage your entire perspective — and a good relationship can make everything better. Here’s how (and why) to ensure you and your bank fall into the latter category.

How Your Finances Affect Your Mental Health

While there’s no denying your finances have an impact on your psyche, a recent survey from Northwestern Mutual revealed just how much:

  • 25% of people feel anxiety about money “all the time” or “often.”
  • 44% call money their main stressor — more than their personal relationships (25%) or job (18%).

These statistics are not surprising, according to financial planner and money coach Debbie Sassen.

“Money management skills are something a lot of us are missing,” says Sassen.

“We didn’t learn them from our parents — it was a totally taboo topic of conversation — and we didn’t learn them in school… So from the outset, as adults, we feel vulnerable and intimidated about money,” she says.

With high fees, scandals and impersonal customer service, many of the big banks exasperate these feelings. “Generally and broadly, there’s a lack of trust among millennials in the financial industry, and it’s deserved,” financial planner Ariel Anderson told Fast Company.

“We constantly read headlines about the missteps of banks like Wells Fargo; we lived through the financial crisis,” states Anderson.

One such millennial is Valerie Stimac, a travel writer for Space Tourism Guide. At her traditional bank, she paid an estimated $7.95 per month to maintain her checking account.

“It felt like they were taking advantage of me, rather than providing a service. “It was frustrating to have a bank I felt like I couldn’t trust,” says Stimac.

It Doesn’t Have to Be This Way

One Gallup poll found that, at the least trusted bank, a mere 12% of customers strongly believed the company had their best interests at heart. At the most trusted bank, more than five times that number (64%) felt the same way.

Clearly, where you bank matters, and not all banks are built the same way. (Some never even charge fees.) Sassen, the financial coach, says a trustworthy bank “can be your friend” and “help you create a good safety cushion.”

In search of that “friend,” travel writer Stimac left her bank after more than a decade.

“Switching banks has been the best decision I’ve made,” she says.

“[Now] I trust my bank to look out for me as a customer — and to look out for my money, which is the foundation of my financial future.”

Stimac is far from alone when it comes to switching banks. Dan Pierson, founder of Bolt Travel, says he “got really tired of paying $12 a month for my checking account, then getting hit with $35 overdraft fees on $2.50 coffee purchases.”

So, after moving to a new city where his brick-and-mortar had no physical branches, Pierson switched to an online-only bank.

“My banking has been much simpler since moving online, and the customer service is significantly improved. It feels great to be backed by a bank that’s aligned with my financial goals,” he says.

Ready to Break Up With Your Bank?

Banking doesn’t have to be a miserable, fee-ridden chore. It can be free, and easy – and maybe even fun.

Obviously we’re biased, but we think Chime is all that — and more. By charging zero fees, offering early direct deposit, and encouraging automatic saving, we strive to overturn the negative experiences you may have had with other institutions.

We thrive off trust and transparency; on working with you, rather than against you. And we want you to like us as much as we like you.

In our opinion, that’s the way every relationship — whether it’s with a business or a human — should be. Don’t you agree?

 

The 7 Types of People Who Use Dating Apps

Contrary to what your sweet nana thinks, not all dating apps are the same. And if you want to keep money from flying out of your savings account faster than Mexican jumping beans, it’s important to choose wisely.

Don’t worry, we’ve got your back. We put together a list of the best dating apps for you, taking into consideration your personality type and what you’re looking for.

For the Highly-Educated, Distinguishing Shopper: The League

We see you, Ivy League graduate. You’re the type of person who wouldn’t dare be seen on Tinder. What would your friends — or worse, your colleagues — think, after all? That’s why you’ll like The League. This app requires you to add in your Facebook and LinkedIn profiles, so that you’re hidden from people you actually know – in case they are on the app as well.

You’re also the type of person who doesn’t settle. If you prefer a lifetime of intelligent conversation to quick one-night-stands, you’ll love this app. It’s designed to cultivate the best-of-the-best, which feels a little creepy, but gives you a high caliber of potential mates to choose from.

For the Flirty Adventurer: Tinder

You’re single, and you love it. After all, there’s a time and a place to settle down (maybe….) but it’s not right now. In the meantime, there’s a whole world of people out there to enjoy, and you want to meet as many of them as possible.

If this sounds like you, Tinder is your best best. But then again, you probably knew that already, since you’ve got a go-get-’em attitude.

For the Liberal Woke Folks: OkCupid

You can be found participating in the Women’s March, the March for Science, or any other number of enlightened protests that suit your interests and political leanings.

You’re also the type of person who doesn’t like to be put in a box and answer campy dating questions. This is a big reason why you’ll love OkCupid, which offers 22 — 22! — gender options, along with 13 different orientations. OkCupid also asks fun questions, not just the what’s your favorite type of food-esque questions that are found on more mainstream dating apps.

For the Marriage-Minded: eHarmony

You’re not a tire-kicker. You mean business, and the ultimate goal of the dating game is marriage, right? Maybe you’re a shy person who doesn’t like to meet endless people. Maybe you’re ready to start a family. Or, maybe you’re just looking for a serious partner to share the rest of your life with.

Either way, eHarmony is probably your best bet, because it uses proprietary, scientific-based algorithms you can’t find on any other dating platform. The goal: To help you find the best potential matches for today — not five years from now. And that’s especially important for you, since you want to spend as much time as possible with your future spouse.

For the Busy Career Professional: Elite Singles

You don’t have time to waste weeding through endless profiles, half of which haven’t been active in years. Your time is more valuable than that, and you’re an independent-minded career professional. Still, life gets boring just being alone all the time, and you think it would be nice to share it with someone.

That’s why Elite Singles is for you. This dating app delivers custom-matched active profiles straight to your phone every day, so you can cut right to the chase. You won’t find many people fresh out of college on this app, which is fine since you want someone who is equally ambitious and as mature as you are.

For the Facebook Junkie: Hinge

You’re the type of person who thinks it would be great to date someone who is an extension of your existing social circle. This way you’ll at least have shared friends in common. But you’re also the type of person who thinks it’s a little weird to ask your friends for eligible dates.

No worries — the Hinge app uses your existing Facebook profile to quickly create a profile for you. Then, it will send you custom matches based on friends-of-friends, so you don’t even have to put out an embarrassing public call for love on Facebook.

For the Bold Woman and the Men Who Respect Her: Bumble

You’re a woman who’s tired of playing second fiddle to guys. Or, maybe you’re a man who enjoys allowing women the space to shine.

Either way, if this sounds like you, you’ll love the Bumble app because it puts women in the driver’s seat. Only women are allowed to initiate conversations with men, which suits you just fine since you think the whole dating scene is full of creepy dudes anyways.

Which App is Right for You?

You’re a fan of money saving apps, so it’s a no-brainer that you want to try a dating app, too. We’ve put together a pretty extensive list here for you to choose from. Now the only question is — which app is the best one for you?

 

14 Budget-Friendly Valentine’s Day Date Ideas That Don’t Suck

For the first few years of our relationship, my husband and I never thought twice about going out for a five-star meal on Valentine’s Day. It was just the thing to do. After all, the average American spends more than $140 on this holiday.

Yet, here was the problem: We couldn’t afford those dinners, especially with piling up credit card charges, burdensome student loans payments and hefty car notes. So, we started celebrating Valentine’s Day on a budget and we actually enjoyed ourselves just as much (if not more) because we had to get creative.

Although we have now paid off our consumer debt, we decided to keep up our thrifty Valentine’s Day tradition. This way we can focus on our other money goals for this year and beyond.

If you’re also looking to celebrate Valentine’s Day on a budget, check out these 14 date ideas that won’t make you look like a cheapskate:

For the Romantics At Heart

Cook together.
This is a popular at-home date night recommendation but it can be stressful if you wait until the last minute to figure out your menu. Instead, consider testing out a meal delivery service or check out Instacart, which I find to be a huge time (and therefore money saver).

At-home spa night.
While you may not have the hands of a massage therapist, you can easily recreate a calming, spa-like atmosphere right in your own home. Budget-friendly tip: Shop your hall closet for candles, aromatherapy oils and other at-home spa essentials. In the end, you may only need to spend money on rose petals to turn this idea into the most romantic Valentine’s Day ever.

Create a scavenger hunt.
It’s time to put your Pinterest skills to good use with this Valentine’s Day activity. Showcase your thoughtfulness by including riddles that incorporate memories from milestone events like your first date. Your grand finale (final clue) doesn’t have to be expensive either. It can be home cooked dinner by the fireplace, picture of the two of you or a picnic lunch.

Bury a time capsule.
Fill a box with keepsakes that represent both you and your SO, write a sweet note to your future selves and bury it. Hint: You can repurpose almost anything such as a shoebox for your time capsule instead of going out and buying something new.

Scrapbook together.

Pour a glass of wine and get ready to enjoy a trip down memory lane with your person. I also love that this sweet date night idea can double as a great way to get rid of clutter and turn it into cash (not very romantic, I know, but it is a tip worth sharing).

Treat your SO to breakfast in bed.

When was the last time you made your partner breakfast in bed? Or maybe a better question is: Have you ever made your partner breakfast? Be sure to include a sweet handwritten note when you surprise your SO with this thoughtful gesture!

At-home movie night with a twist.
Borrow a projector or even use a large television screen to create a romantic outdoor or indoor movie theater experience without breaking the bank.

For the Outdoorsy Couple

Cozy bonfire date.

My husband recently spent five dollars on a fire pit at a garage sale and we can’t wait to test it out on Valentine’s Day. I already have the marshmallows and hot cocoa mix added to our grocery list!

Sledding.

If you want to have some real fun on Valentine’s Day then add this winter activity to your to-do list. Cuddle up with a warm beverage once you’re finished acting like a big kid with your favorite human.

Winter hike.

Yes, this is a thing! Just be sure to check out these safety tips before embarking on your adventure.

For the Couple Who Doesn’t Like At-Home Date Nights

Dessert-only date.

Fill up on dinner at home and save the spending for a delicious sweet treat. Scout out a nice ice cream parlor or a quaint bakery in a cute nearby town. End the night with a romantic walk.

Trivia night.

If you and your partner are competitive then this could be the perfect date night that costs less than $25. Plus, you may even win some money when all is said and done!

Choose lunch over dinner.
Eating lunch out is less expensive than dinner. Plain and simple. For instance, Money Crashers notes that at the Cheesecake Factory, “Dinner entrees range in price from $11 to $30 [while] lunch specials cost between $9 and $14.” If you skip dessert and take it easy on the beverages, you won’t have to spend more than $50.

For the Couple Who Thinks Outside of the Box

Don’t celebrate at all.

If your main reason for celebrating Valentine’s Day is that everyone else is, then it may be time to reconsider your approach. I spoke with one couple who doesn’t celebrate Valentine’s Day at all.

Ellie from EllieMondelli.com says, “It’s very simple for us — we view this holiday as yet another excuse to spend money. It doesn’t fit in with any of our goals, so we don’t celebrate it.”

This type of discipline has enabled the Mondelli’s to pay off their mortgage before she turned 30!

 

How To Budget for Valentine’s Day

Valentine’s Day is right around the corner. Regardless of whether you spend it with your long-time love, a new acquaintance or close friends, Valentine’s Day is a holiday designed to celebrate love.

Unfortunately, this holiday comes at a high price. According to the National Retail Federation, the average American consumer spent $143.56 on Valentine’s Day celebrations last year alone. That’s a whole lot of dough.

Yet, you don’t have to spend a ton of cash to enjoy Valentine’s Day. With some wise planning, budgeting, and saving in advance, you can make this Valentine’s Day one for the books – without breaking the bank. Here are a few tips to get you started.

Set your budget

There’s nothing wrong with wanting to make Valentine’s Day fun and special, but then again, it is only one day out of the year. It’s not worth going broke over.

So, determine what your budget will be, and stick to it. To figure out your budget, it’s best to plan according to the stage of your relationship. For example, if you have a significant other, you may want to do something special that may require saving money ahead of time. And, if you’re in the early stages of a relationship, there is no need to go all out for the big holiday. A  simple, quiet get-together is probably fine.

Plan your activities

Now it’s time to plan your realistic celebrations. Whether you dream about going to a fancy, romantic restaurant, cooking at home, or something else, you may need to plan for your activities.

Check out these 10 fun Valentine’s Day activities for both kids and couples by Money Crashers. They are proof that you don’t have to spend a ton in order to express your love.

Don’t forget about additional costs

Now that you have your Valentine’s Day celebration planned, the bulk of the work is finished. But don’t forget – there are often quite a few last minute costs associated with Valentine’s Day. Don’t forget to budget for them!

Whether you want to pick up some chocolates, flowers, or even just a card, these all cost money. If you plan to purchase any additional gifts, be sure to add them into your initial budget.

Tips for an affordable Valentine’s Day

No matter what your budget is, you can make your Valentine’s Day special and memorable without breaking the bank. Take a look:

1. Don’t go overboard

Valentine’s Day can be special without going completely overboard. Who says you have to go out to a fancy, expensive dinner or buy lavish gifts?

You can have a memorable Valentine’s Day by thinking outside the box. Go hiking, enjoy a picnic, or go to a museum for a day date. Think about ways to save money, avoid crowds and create a day you and your significant other will remember for years to come.

2. Celebrate after the holiday

Valentine’s Day gets busy quickly. Restaurants get full, floral shops are overrun, and even the chocolate is overpriced. So why not make it a point to celebrate after the fact, when you can both get more bang for your buck?

Not only will you have more options available after the holiday, but you will fight fewer crowds. So, see if your significant other is on board for staying in on February 14, but willing to celebrate over the next weekend. This gives you more wiggle room in your budget, plus you can avoid the Valentine’s Day rush.

3. Get creative with gifts

Who says you have to gift a dozen roses and a box of chocolates for Valentine’s Day? Walk into any store or flower shop and you can see how much these traditional Valentine’s Day gifts cost.

Instead of buying the typical Valentine’s Day gifts, try getting creative. For instance, instead of buying chocolate and flowers, buy tickets to a movie – maybe even a matinee.

To lower the cost even more, you can make your own DIY gifts.

4. Enjoy quality time together

Some of the best times are spent staying in with your loved ones.

Instead of going out for a pricey date night, cook a homemade meal together and stream a movie or play a game. You can’t get much cheaper than that!

5. Go outdoors

We get it: February isn’t the nicest month weather-wise. But if it is semi-decent outside, you can take your holiday celebrations outdoors.

Check out some of these romantic and adventurous date ideas from Two Drifters. Not only are they memorable date ideas, but most of them can be done for dirt cheap.

Enjoy your Valentine’s Day by saving in advance

No matter how you decide to spend your Valentine’s Day, you can always be prepared by saving in advance. The easiest way to start saving for Valentine’s Day is to set a little bit aside at a time into a separate savings account. So go on and enjoy your holiday guilt-free!

 

6 Best Dating Apps When You’re On a Budget

Sometimes love doesn’t cost a thing, but that’s hardly the case these days. Even before you get to the pricey part of wining and dining a potential suitor, you can expect to run up big tabs on dating apps.

Subscriptions to these apps can come with a hefty price tag, which means less money in your savings account to actually win over your new paramour.

So, what to do? Take a look at the solid money-saving dating app strategy that we’ve put together. In addition, we rounded up some of the top dating apps to give you the lowdown on the costs involved and whether they are worth the money.

Saving Money With Dating Apps

Monthly subscription fees can cost as much as a good meal. But most dating apps offer a free “lite” version of the app. You still get a sense of the full functionality, ease of use, and size of the potential dating pool, but you won’t get access to the premium features.

So, before you commit to that pricey subscription, try this: Download a range of different dating apps. Only commit to the free version as a way to suss out the app’s usefulness. Only then, when you’ve narrowed it down to a favorite few, is it a good idea to spring for a paid subscription.

It’s also important to know what you get with the paid versions, and to really consider whether this is worth it. Does a paid subscription provide more access to potential partners, for example? Or is it just a dud feature that you probably won’t really use? Keeping a discerning eye on the value you get for your hard-earned cash can help keep those subscriptions trimmed to the bare essentials.

Best Dating Apps

Here are some of the most popular dating apps you’re likely to run across.

Match.com

Everyone has heard of Match.com, even your 95-year-old Nana. This website offers one of the largest user bases of any dating app, meaning the odds are good that you’ll meet people. Although you can see profiles as a free member, if you want to send and receive messages, see who saved your profile, and even attend in-person events, you’ll need to upgrade.

Subscription cost: Starting from $20.99/month

Tinder

Tinder – which revolutionized the terms “swipe right” and “swipe left” – is still one of the most popular dating apps out there. While the basic concept is simple to use, you’ll need to upgrade if you want to take the game to a new level. Plus, subscriptions allow you to change locations if you travel and undo swipe mistakes, among other things. The highest tier level, Gold, allows you to do everything in the Plus subscription while allowing you to “boost” your profile to the top of the line. You’ll also be able to see who has swiped right on your profile.

Plus subscription cost: Starting from $2.99/month

Gold subscription cost: Starting from $4.99/month

The League

If you’re a distinguishing dater and tired of all the scrubs, consider this app. It bills itself as an app for elite people who have done things like attended Ivy League schools, or at least have the conversation skills to match. You don’t join The League — you apply and hope you’re accepted — and the basic version is free. With the paid versions, you can get more “friend requests,” VIP passes, and custom-picked daily prospects.

Member subscription cost: Starting from $29/month

Owner subscription cost: Starting from $83/month

Hinge

If you like Tinder’s ease of use but aren’t looking for a short-term hookup, Hinge might be a better dating app for you. It’s also especially helpful if you’re active on Facebook, since the app will use your personal connections to find friends-of-friends to match you with. Preferred members get access to additional filters to find people, unlimited profile likes, and even access to Hinge Experts, a concierge dating service.

Preferred subscription cost: Starting from $7/month

Bumble

If you’re into flipping the script, Bumble is a great dating app to try. This app actually requires the woman to message the man first if they are a match. And not only that, there’s a time limit — she only gets 24 hours to make the first move, or it disappears. For same-sex matches, anyone can make the first move. Upgrading to Bumble Boost allows you to see who’s right-swiped your profile, find matches with expired connections, and extend your current matches longer than the 24-hour window.

Bumble Boost subscription cost: Starting from $24.99/month

OkCupid

If you consider yourself woke and are looking to meet up with other like-minded liberals, consider OkCupid. This app allows for dozens of combinations of gender identity and sexual orientations, and makes the profile-creation process a fun game of questions (If I were sent to jail, I’d be arrested for…) rather than your standard demographic listing. It offers two levels of premium subscriptions. A-List members get a wide range of features, such as seeing who has read your messages and changing your username periodically. A-List Premium members get access to a few more features, like having your profile boosted or your messages appearing in a prominent spot in your match’s mailbox.

A-List subscription cost: Starting from $9.95/month

A-List Premium subscription cost: Starting from $24.90/month

May the Odds Be Ever in Your Favor

You’re a savvy user of money-saving apps and banking apps, so why not plan a smart dating app strategy as well? As we’ve shown you above, the world is full of options — and that applies to both dating apps and the people that use them. Planning a smart approach to your dating app strategy means you’ll have the best chances of finding love and keeping your wallet as full as possible. We call that a win-win.

Banking Services provided by The Bancorp Bank, Member FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. Chime and The Bancorp Bank, neither endorse nor guarantee any of the information, recommendations, optional programs, products, or services advertised, offered by, or made available through the external website ("Products and Services") and disclaim any liability for any failure of the Products and Services.

© 2013-2019 Chime. All Rights Reserved.