Money talks, wealth whispers. In the age of flashy displays of wealth and conspicuous consumption, a new trend has emerged that challenges our conventional notions of showcasing financial success. Stealth wealth, as it is commonly referred to, goes beyond the idea of being frugal and understated. It involves consciously avoiding overt displays of money while still enjoying the benefits of financial prosperity. 

In this article, we'll explore what stealth wealth is, how it manifests itself, and why it has become a growing phenomenon. The idea of stealth wealth can assist you in saving more money, making smarter investments, and cutting down on spending.

What is stealth wealth?

Stealth wealth is essentially the art of living a life of financial prosperity without drawing too much attention to it. It's about keeping a low profile even if you have the means to indulge in extravagant displays of wealth. Picture someone who drives a modest car, lives in a modest house, and dresses in an unassuming manner, despite being financially well-off. It's a deliberate choice to prioritize financial security and freedom over materialistic shows of opulence.

What does stealth wealth look like?

A person practicing stealth wealth focuses on essentials rather than indulging in conspicuous luxury. They lead a simple lifestyle and prioritize experiences and personal growth over material possessions

Stealth wealth enthusiasts carefully manage their finances, prioritizing long-term financial goals such as retirement savings, investments, and building wealth rather than spending lavishly on temporary gratification.

They might enjoy certain luxuries but do so in a discreet manner. For example, they may splurge on a nice vacation, but won't go out of their way to flaunt it on social media or discuss it in conversations.

Instead of trying to impress others with material possessions, stealth wealth embraces the importance of genuine relationships and connections. They focus on building meaningful connections, fostering friendships, and helping others in unique ways.

Why is stealth wealth an up-and-coming trend?

More and more people are recognizing the importance of financial independence. By adopting a stealth wealth lifestyle, individuals can accumulate wealth without the pressure to maintain an extravagant lifestyle, allowing them to have greater control over their financial future.

The rise of social media and the desire for privacy have made people rethink their approach to displaying wealth. Stealth wealth allows individuals to keep a lower profile, avoiding unnecessary attention and potentially increasing security.

As society becomes more conscious of overconsumption, and materialism, many individuals are reevaluating their own values and priorities. Stealth wealth aligns with the desire for a simpler and less materialistic approach to life.

Traditional markers of success, such as fancy cars or designer clothing, are being questioned. People are starting to realize that true success lies in financial security, personal fulfillment, and the ability to live life on one's own terms.

In conclusion

Stealth wealth is a rising trend that challenges our societal norms of displaying wealth. It's about finding a balance between financial prosperity and leading a modest, understated lifestyle. By prioritizing financial independence, privacy, and personal values, individuals embracing stealth wealth are redefining what it means to be successful. 

So, if you find yourself drawn to the idea of a more discreet and restrained approach to wealth, consider joining the ranks of the stealthy and prosperous.

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While Bitcoin remains ahead of the pack by a mile, that doesn't mean that it's the only cryptocurrency worth investing in. With thousands of coins on the market, there is plenty of innovative solutions and impressive technology to go around. In this article, we're outlining the 7 crypto coins you should know about, providing a range of Bitcoin alternatives that hold statistical significance. 

Money in the bank is nice, but will it grow to the heights that we've witnessed in the digital currency markets? The answer is probably not. With the right portfolio, an adequate amount of research and solid trading strategies, you could be seeing impressive returns when compared to other assets in the financial sector. Consider the information below to be a strong starting point, and take it from there.

Ethereum (ETH)

Ethereum has the biggest market capitalization in the crypto industry after Bitcoin and has held this position for quite some time. The decentralised platform has made headlines in recent months as it shifts from a Proof of Work to a Proof of Stake network, requiring less energy to operate and a new means of rewarding the users for verifying transactions.

Ethereum is highly regarded in the industry for providing the first platform on which developers can create decentralized applications (dapps) and smart contracts. This allowed anyone the chance to build any app across any industry while harnessing blockchain technology. Providing a giant leap forward for blockchain development, Ethereum remains on the cutting edge of innovation. 

Cardano (ADA)

Cardano was created by one of the Ethereum founders and is celebrated for being academically driven. While the project launched without a whitepaper (an unusual beginning for any cryptocurrency), at the time of launching there were over 90 academic papers written by a team of mathematicians, cryptography experts and engineers supporting the project. To this day all upgrades are rigorously tested through peer reviews before being implemented onto the blockchain.

Cardano offers developers a platform on which to build dapps and smart contracts using a proof of stake consensus. With lower fees and faster transactions, this eco-friendlier platform has been well received in the blockchain development community. 

Polkadot (DOT)

Polkadot is a blockchain platform working toward blockchain operability, meaning that it allows various blockchains and oracles to exchange data and value in a secure manner. Through an intricate blockchain structure involving a relay chain and numerous parachains, the proof of stake network provides an innovative solution to connectivity and interoperability in the industry. 

Polkadot was created by one of the Ethereum founders, Gavin Wood, and launched in 2020, quickly making its way to the top of the biggest cryptocurrencies on the market. 

Litecoin (LTC)

One of the original hard forks off of the Bitcoin network, Litecoin is a long-standing payment focused cryptocurrency. Created by a former Google engineer in 2011, Litecoin went on to become an excellent Bitcoin alternative. 

Through several changes to its predecessor's blockchain, the platform offers faster and more cost-effective value transactions over the internet. 

Dogecoin (DOGE)

You will struggle to read cryptocurrency headlines without at least a few mentions of Dogecoin. Dogecoin is the original meme token and has been around since 2013. Designed to poke fun at the seriousness of the crypto industry, Dogecoin went on to become a massive cult favourite and accumulate some big fans along the way. 

The blockchain is a hard fork off of the Litecoin network and provides fast, easy and cheap transactions. Typically sued for micropayments, such as tipping content creators on social media platforms, Dogecoin has seen massive success due to the tweets of Elon Musk and his favourable attitude toward the cryptocurrency. 

Tether (USDT)

Tether is the first stablecoin to enter the market and one of the most successful. Currently ranking as the third biggest cryptocurrency by market cap, Tether sits behind Bitcoin and Ethereum. Designed to combat market volatility, Tether's value is pegged to the US dollar and is always valued at $1. 

Tether was created in 2014 and is managed by a Hong Kong-based company of the same name. The blockchain platform provides not only an effective means of entering the crypto market but a payment solution for companies and individuals looking to conduct fast international payments without the risk of volatility. 

Bitcoin Cash (BCH)

Another fork off of the Bitcoin network, Bitcoin Cash was created in 2017 as a result of a disagreement within the Bitcoin community. With several members torn over the direction of the Bitcoin network, several members chose to create a new blockchain and implement the changes they saw best for the network.

This resulted in a new payment focused blockchain platform offering a faster and cheaper means of the transaction value. Bitcoin Cash remains a strong Bitcoin alternative, with high daily trading volumes.

Create a well-rounded crypto portfolio

By considering these 7 alternative cryptocurrencies listed above, you have the opportunity to create a well-rounded crypto portfolio conveniently from your own home. All of these coins can be accessed through the Tap mobile application. You can easily view their market prices and engage in buying and selling digital currencies directly from your mobile device.

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Tap partners with Total Processing to allow Visa debit deposits, improving its customer’s experience

Tap, the dynamic fintech platform can now offer its customers the ability to top up their accounts via Visa card deposit thanks to its new partnership with Total Processing, a leading payments specialist.

This strategic partnership offers Tap customers a new and improved way to effortlessly replenish their accounts, further enhancing the platform's reach, accessibility and convenience.

Renowned for its crypto-inclusive financial solutions, Tap provides a user-friendly platform to allow its customers worldwide to easily manage their crypto and fiat assets. The company is thrilled with its latest collaboration with Total Processing, an award-winning payment processing company that focuses on a customer-centric approach to offer a seamless payment solution.

By integrating Total Processing's innovative payment offering, Tap extends this enhanced service to hundreds of thousands of customers, allowing them to directly fund their Tap accounts using Visa cards. Moreover, Tap continues to provide the flexibility of Mastercard and bank transfer deposit options, serving users in over 40 countries.

The decision to partner with Total Processing aligns with Tap's dedication to delivering a superior user experience. In response to some users experiencing issues with Visa card deposits, the fintech platform has seamlessly transitioned to Total Processing as its new trusted payment processor for frictionless Visa card loading. This move underscores Tap's commitment to delivering high-quality financial services to its valued customer base.

This enhancement is effective immediately and extends across all the 40+ countries where Tap operates. The company remains dedicated to delivering professional and world-class financial solutions, ensuring its users have access to a seamless and efficient experience.

Kriya Patel, CEO of Tap, commented, "Tap is highly committed to providing a best-in-class offering for our customers, and Total Processing delivers the perfect partnership to help achieve this goal. Tap looks forward to working closely with Total Processing to further enhance our customer-focused, innovative payment solutions."    

Alex Leigh, Co-founder of Total Processing, added: "We are excited to join forces with Tap in this strategic partnership, as it aligns perfectly with our commitment to customer-centric payment solutions. This collaboration empowers Tap's users with seamless Visa card deposit options, reinforcing our dedication to a frictionless payment experiences."

-ENDS-

About Tap
Tap is a pioneering force in the convergence of the cryptocurrency economy and traditional financial systems, striving to establish an equitable, accessible, and transparent financial landscape. Since its inception in 2018, Tap has been guided by the bold vision that individuals worldwide should enjoy effortless and secure management of their fiat and cryptocurrency assets. Presently, Tap offers a reliable and user-friendly platform that harmoniously integrates various financial services into a single, convenient hub.

For more information on Tap, visit: www.withtap.com

About Total processing
Founded in 2015, Total Processing is a leading provider of intelligent payment solutions that enable businesses to streamline their payment workflows, reduce costs and boost revenue. The company offers a range of payment processing services, including recurring payments, 198+ alternative payment methods, an agnostic payment gateway, risk prevention tools and in-depth transaction data, all managed within a unified platform.
With a focus on its customers, it provides adaptable solutions and a user-friendly interface to ensure smooth payment processing for its merchants.

For more information on Total Processing, visit: www.totalprocessing.com

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Vous débutez dans le vaste monde de la finance ? Pas de panique, ce guide est là pour vous. Le jargon financier peut vite sembler intimidant, mais il suffit parfois de quelques explications claires pour y voir plus net. Voici donc un glossaire simplifié des termes financiers les plus courants, pour vous aider à mieux comprendre vos relevés bancaires, vos investissements ou tout simplement les actus économiques.

APR – Taux Annuel Effectif Global (TAEG)

L’APR (Annual Percentage Rate), ou TAEG en français, correspond au taux d’intérêt annuel total appliqué à un crédit. Il inclut non seulement les intérêts, mais aussi les frais annexes (dossier, assurance, etc.). C’est un bon indicateur pour comparer différentes offres de prêt.

ATM – Distributeur automatique

L’ATM (Automated Teller Machine) désigne un distributeur automatique de billets. Même si leur usage diminue, ils restent bien pratiques en voyage. Avec une carte Tap connectée à des comptes en euros, dollars ou crypto, vous pouvez retirer facilement dans la devise locale.

BACS – Système de paiements automatisés au Royaume-Uni

BACS signifie Bankers Automated Clearing Services. Il s’agit d’un système de transfert électronique d’argent au Royaume-Uni, utilisé notamment pour les virements bancaires domestiques. Il rend les paiements plus rapides et plus fiables.

BIC – Code d’identification bancaire

Le BIC (Bank Identifier Code) est un code unique qui identifie une banque dans les transactions internationales. En duo avec l’IBAN, il permet de s’assurer que l’argent envoyé arrive au bon endroit, que ce soit pour une entreprise ou un particulier.

Dividende

Un dividende est une part des bénéfices qu’une entreprise reverse à ses actionnaires. Si vous possédez des actions, vous pouvez donc recevoir un revenu complémentaire sous forme de dividendes, proportionnel à votre investissement.

FCA – Autorité de régulation financière au Royaume-Uni

La FCA (Financial Conduct Authority) est le gendarme financier britannique. Elle surveille les institutions pour garantir la protection des consommateurs, assurer la stabilité du marché et encourager la concurrence saine. Son équivalent américain est la SEC.

Fonds propres (Equity)

Les fonds propres, ou equity, désignent la valeur nette d’une entreprise ou d’un bien. Pour une entreprise, il s’agit de la part que vous détenez via vos actions. En immobilier, c’est la différence entre la valeur du bien et le montant de l’emprunt qu’il reste à rembourser.

Taux de change (Exchange rate)

Le taux de change indique combien une monnaie vaut par rapport à une autre. Il influence le coût de vos achats à l’étranger, vos virements internationaux ou encore vos conversions crypto-fiat.

IBAN – Numéro de compte bancaire international

L’IBAN est un identifiant unique pour les comptes bancaires dans le cadre de paiements internationaux. Il contient un code pays, deux chiffres de contrôle, et des infos sur la banque et le compte. Indispensable pour les virements à l’étranger.

ISA – Compte épargne individuel (UK)

L’ISA (Individual Savings Account) est un compte d’épargne britannique défiscalisé, équivalent au Plan Épargne en Actions (PEA) ou au Livret A en France. Il permet d’épargner ou d’investir sans impôts sur les intérêts ou les gains.

Inflation

L’inflation correspond à la hausse générale des prix dans une économie. Cela signifie que votre argent a moins de pouvoir d’achat qu’avant. Surveillez-la bien, car elle peut ronger la valeur de votre épargne.

Fonds communs de placement (Mutual Fund)

Un fonds commun de placement regroupe l’argent de plusieurs investisseurs pour acheter un panier diversifié d’actions ou d’obligations. C’est un bon moyen d’accéder à une gestion professionnelle sans devoir tout suivre soi-même.

Revenu net (Net income)

Le revenu net, ou résultat net, correspond à ce qui reste après avoir payé toutes les dépenses. C’est un indicateur clé de la rentabilité d’une entreprise — ou tout simplement de la santé de votre compte bancaire.

Remise de fonds (Remittance)

Une remittance est un virement international, souvent de particulier à particulier (comme un parent qui envoie de l’argent à sa famille à l’étranger). Ce terme est très utilisé pour désigner les transferts vers les pays en développement.

Roth IRA – Compte de retraite défiscalisé (USA)

Le Roth IRA est un compte de retraite américain financé avec de l’argent déjà imposé. Les retraits à la retraite sont donc exonérés d’impôts. Il est souvent comparé au PER individuel ou à l’assurance-vie en France.

SEC – Autorité des marchés financiers (USA)

La SEC (Securities and Exchange Commission) est le régulateur financier des États-Unis. Elle protège les investisseurs, veille à la transparence des marchés, et encadre les courtiers, les bourses et les fonds d’investissement.

SEPA – Zone de paiements en euros

La zone SEPA (Single Euro Payments Area) regroupe les pays de l’UE et de l’EEE, et harmonise les virements en euros. Grâce à SEPA, un virement entre Paris et Lisbonne est aussi simple qu’un virement entre deux banques françaises.

Code SWIFT – Réseau bancaire sécurisé

Le code SWIFT est un identifiant international utilisé par les banques pour s’échanger des instructions de paiement en toute sécurité. C’est une sorte de réseau confidentiel mondial qui permet à votre argent d’arriver au bon endroit, rapidement et sans erreur.

En conclusion

Maîtriser les termes financiers vous permet de gagner en autonomie dans la gestion de vos finances. Que vous planifiiez votre avenir, fassiez un virement ou compariez un prêt, connaître ces notions vous aidera à prendre des décisions plus éclairées et à avancer avec confiance dans le monde de la finance.

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