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Cash (Apps) Rule Everything Around Me

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Gone are the days of giving your waiter 6 different credit cards to split the check. With all the different peer-to-peer money apps available, it’s easier than ever to pay up. Whether you’re splitting the check, paying your share of the cable bill, or helping out your little brother with some cash, these apps have got you covered. Besides, who carries cash anymore? These days, you have options if you want to turn your wallet digital. Let’s break down the different P2P money apps available to you.

Venmo

Venmo is the first app on everybody’s mind when it comes to money transferring. The app is free to sign up and free to use. Users can send money and request payment from any of their ‘friends’ online. Its fun social feature lets you post the payment and what you’re paying for, or you can keep your transactions private.

P2P money app features

  • Offers bank card? Yes
  • Need a bank account? No
  • Transfer fees? 1-3 business days – free. Instant transfer – 1% up to $10

Cash App

The other big name in the game, Cash App is like Venmo without the social aspect. If what you do with your money is your business and yours alone, Cash App lets you transfer money using a $cashtag. $cashtag is an anonymous handle to you use to keep private. Cash App also lets you invest in Bitcoin or stocks right from the app and allows for direct deposit.

P2P money app features:

  • Offers a bank card? Yes
  • Need a bank account? No
  • Transfer fees? 1-3 business days – free. Instant transfer – 1.5% minimum $.25.

PayPal

You remember PayPal. It’s that service you signed up for when you first bought something off eBay. PayPal was one of the early pioneers that helped you spend money over the internet. PayPal has become the swiss army knife of P2P money apps. It lets you transfer money between apps, sends money directly to bank accounts, and is widely accepted on websites. PayPal also lets you purchase Cryptocurrency through the app and sends push notifications to your phone every time you spend money. You will, however, need to link a bank account.

P2P money app features

  • Offers a bank card? Yes
  • Need a bank account? Yes
  • Transfer fees? 2.9% of personal transfer from credit card plus $.30

Zelle

If you use one of the major banks, chances are you’ve seen or possibly used Zelle. Zelle operates a little differently than the other p2p money apps. Instead of keeping a separate balance of funds that needs to be replenished as it depletes, Zelle is a client that works with your bank account. Zelle has its own app or operates within your major banking app.

P2P money app features

  • Offers a bank card? Not a standalone card, only your bank’s checking card
  • Need a bank account? Yes
  • Transfer fees? No

Apple Pay Cash

You know Apple had to get in on the action. Apple Pay Cash works in tandem with your bank account like Zelle. You do not have a separate balance of money in an Apple account. The big benefit of Apple Pay Cash is that you can use it at checkouts at most retailers just by tapping your phone or Apple watch. (You do need an Apple device.) Apple Pay cash also lets you send and request money through the iPhone messaging app.

P2P money app features

  • Offers a bank card? Yes
  • Need a bank account? Yes
  • Transfer fees? No

Google Pay

Google Pay works very similarly to Apple Pay Cash. You link a bank account to make payment. You can send and receive money to peers. You can use the NFC feature on your phone or Android Smartwatch to pay at retail checkouts. The difference is Google Pay can be used on Apple devices as well as Android devices.

P2P money app features

  • Offers a bank card? Yes
  • Need a bank account? Yes
  • Transfer fees? No

Which App is King?

There are many p2p money apps, each with their own features that can appeal to different users. What features are important to you? Do you need a bank card? Do you want to be able to use it at a retail store? Do you want the app to work with your bank or separately? Rounding up the different features, it seems there is one clear leader in the p2p money game: PayPal. PayPal is blend of all the best features. You can send money to friends, invest through the app, use it online, or use the free debit card at retail stores and atm. And while you do need to link it to a bank account, it also allows you to store a balance separate from your bank funds.

Still, nobody said you need to have just one p2p money app. All these apps are free to download and use. And if someone tells you they can pay you using an app you don’t have, creating a new account seems like a no-brainer.

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Can AI Chatbots Become Your Therapist?

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ai chatbot

Mental health chatbots have become reliable companions for those who can’t afford therapy. However, these chatbots aren’t a real replacement for actual therapists. They can provide temporary comfort and aid mental health professionals in tracking patients’ moods and other necessary information to provide quality care. But with AI being more accessible and free, especially to teens, will more people depend on AI chatbots in the future?

The Latest in AI Chatbot & Mental Health

character ai ui

Mental health chatbots are on the rise. Wysa and Woebot are two well-known examples. But, one AI chatbot is much more popular than the others: the Psychologist bot on Character.ai. According to the BBC, Character.ai helps millions of users talk to the bot and other mental health-related ones to address any concerns.

Character.ai allows users to create bots to help others talk to their favorite characters or “individuals.” So far, the Psychologist and other mental health-adjacent bots have received millions of messages from multiple users. Character.ai users have shared their reviews on the social media forum Reddit about their experiences with the bot. So far, the bot has received nothing but amazing reviews.

For instance, one user messaged Psychologist to help with relationship issues and to communicate with their partner.

There’s one person to thank for this: Blazeman98. He hoped to help others because he wanted someone to talk to when his friends weren’t available. But this isn’t the only AI chatbot internet users can approach for their mental health concerns.

Other Mental Health Chatbots

Woebot is one well-known mental health chatbot. The team behind the chatbot uses cognitive behavioral techniques to help users talk about their feelings, and the chatbot will respond with compassion. Plus, it can give simple solutions to get you through the moment. It covers multiple mental health issues like needs, feeling capable, relationships, coping, and more. The chatbot helps adults, adolescents, and mothers. You can download Woebot in the App Store or Google Play Store.

If you have anxiety, depression, borderline personality disorders, and other mental health concerns, you can download Youper. This chatbot helps you track your moods every day. Plus, you can chat with the bot anytime you need help.

Wysa is another option to consider if you want an alternative to Character.ai. However, Wysa is ideal for businesses prioritizing mental health in the workplace. The chatbot helps the patient talk about what’s worrying them. Plus, it checks in with the patient and suggests exercises to improve their well-being. However, Wysa can connect patients to professionals.

Addressing Loneliness

Since AI chatbots don’t have any certification or accreditation to give advice or provide counseling, AI chatbots are excellent companions for lonely people. Meta-Gallup reports that a quarter of the global population feels lonely. With the rise of AI, more people can rely on AI to talk to them and provide companionship that others can’t offer, whether in real life or on the internet.

However, Business Insider writer Daniel Cox believes that more people will be lonely as they talk to AI often. It’s all because of the lack of human connection. Gen Z, in particular, will feel this loneliness even more so. Since they grew up with technology, talking to chatbots is a pathway for them when they need someone to talk to when they don’t have anyone else or because of the potential harm social media brings to users.

How Safe is it to Use AI Chatbots?

ai

Although you can talk to an AI chatbot with the touch of a button, it could be risky to depend on an AI chatbot for mental health-related issues or companionship.

One issue that arises when talking to AI chatbots is your privacy. One recent example of a data leak comes from Microsoft when an employee unknowingly leaked 38TB (that’s right, terabytes) of data. That’s a possibility, especially if data isn’t stored properly. Or, in the employee’s case, they posted the wrong URL.

Another issue that comes up is bias and discrimination. For instance, one chatbot was taken down for the language it used while conversing with users on Twitter. Due to the unfortunate incident, it was forced to shut down because of an uncoordinated attack.

The chatbots mentioned above ensure safety and security through data encryption. Plus, they use language that won’t trigger or encourage users to harm themselves or someone else. Additionally, chatbots avoid giving diagnoses and aren’t discriminatory or biased. Moreover, some AI chatbots are HIPAA-compliant, ensuring they follow regulatory health standards. Finally, the chatbots won’t sell your data to third-party or advertising companies.

Final Thoughts

AI chatbots can be a companion when you’re lonely or need to discuss mental health conditions or symptoms. However, they are not a full replacement for a human therapist as they can only provide solutions to help you get through the moment, track your moods, and give you insights. 

Character.ai provides a free solution to talk to a “Psychologist” bot anytime, but note that you’re not talking to a professional. If that’s bothersome for you, you can use other mental health chatbots to direct you to the help you need. This way, you’ll also have a safe and secure experience while conversing with chatbots built by professionals. 

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VSETT 9+ Electric Scooter Review (2024)

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vsett 9 electric scooter

Do you need to get around the city without using a bike or going on public transportation? The scooter is the ideal mode of transport for you. However, not all scooters can take you anywhere without a hitch. One of the best in the market is the VSETT 9+ Electric Scooter. Check out the features of this amazing scooter before buying one for yourself.

Features of the VSETT 9+

vsett features
Image source: VSETT Shop

Engine

The VSETT 9 series has two models, the VSETT 9 and VSETT 9+. 

One notable feature of the VSETT 9+ is the double engines. This makes your scooter accelerate faster and climb slopes better. You can reach 31.06 mph with the VSETT 9+ and travel up to 50 miles in one ride. But the 50 miles depend on other factors, like weather, weight, and speed. Additionally, the battery is 48 volts with LG cells.

Suspension

The VSETT 9 model comes with the Spring-R suspension technology. It’s their patented shock absorption tech. Plus, it has pneumatic tires, too. With these two features, you’ll have a smooth ride anywhere! 

NFC Key Lock

VSETT 9+ prevents theft with the NFC key lock. The scooter has a tag allowing you to maneuver the VSETT 9+. However, make sure to keep all tags with you at all times since a display replacement is required if you don’t have them with you anymore.

Lighting + Horn

Do you love riding at night but are worried about safety? Don’t fret. The VSETT 9+ is equipped with brake lights, bright headlights, and turning lights. However, VSETT recommends wearing additional reflective clothing when riding at night. You can turn on the lights by pressing a button on the handlebar. Finally, it has an electronic horn to make other riders and drivers hear you.

Foldable Design

The VSETT 9+ is a foldable scooter, allowing you to carry it anywhere! The handlebars and stem are collapsible, and you can fit the folded scooter under dining tables!

Water-Resistance

Get caught in the rain during a ride? No need to alight the scooter and grab another ride. You can still have a safe ride even in the rain with its IP54 water-resistant rating. However, it’s only suitable for light rain or when there are puddles.

Weight

Are you using your scooter for work or school? It carries up to 265 lbs of weight!

Charging

It has two charging modes: standard and fast. On the standard one, you can charge up to 10 hours and 30 minutes. Meanwhile, fast charging can take up to 4 hours and 30 minutes!

Pricing

The VSETT 9+ is 2090.00€ ($~2291.79)

What Do VSETT 9+ Electric Scooter Users Think?

Vsett Scooter
Image Source: VSETT Scooters

Many VSETT 9+ users agree on one thing. The electric scooter is steady and sturdy. You don’t have to worry about wobbling; you’re safe whenever you use this on the road. The aluminum alloy frame also contributes to the robust design, making rides safe and smooth.

Plus, many users feel safe using the scooter, not only because of the light but also because of the rear disc brakes! 

Another pro of using the electric scooter is its comfort. Not only does the suspension offer comfort, but it also has palm rests. Additionally, the kick plate helps you balance your ride and controls your speed.

However, the VSETT 9+ isn’t the ideal scooter for everybody. For one, many users aren’t exactly happy with the scooter’s weight. Since the scooter weighs 58 to 59 lbs, it can be a drag to carry everywhere. Plus, unfortunately, the horn isn’t great since it’s not too loud. Finally, some squeaks could irritate the rider.

Alternatives to the VSETT 9+

Although the VSETT 9+ is an excellent option for a ride, what are the other electric scooters to consider before saying YES to the VSETT 9+?

Hiboy S2

hiboy s2 scooter

One affordable alternative to the VSETT scooter is the Hiboy S2. It retails at $599. You can choose to buy a seated version for longer rides. It’s foldable, too, so you can bring it anywhere or park it without taking too much space. Plus, you have a max speed of 18.6 mph. Finally, you can download the app to customize your rides.

NIU KQi3

NIU KQi3 scooter

One of the most lauded electric scooters of 2024 is the NIU KQI. One of its main features is the regenerative braking system. You power up as you slow down. Additionally, it’s one of the best rides at night since it has advanced dual-disc braking systems. Plus, it has a halo headlight and bell, so that you can be seen and heard by other motorists. Additionally, it has pneumatic tires that offer a good grip and a handlebar that allows you to steer easily. The pricing starts at 599€ (~$650).

Segway Ninebot Kickscooter MAX

segway scooter
Image source: Segway

Another fan-favorite electric scooter is the Segway Ninebot Kickscooter Max. Many riders experience a comfortable and long-lasting ride. It has 10-inch pneumatic tires, 18.6 mph max speed, and built-in front LED lights. Another reason many love the Segway is its 20% hill-grade capabilities and rear-wheel drive to get you uphill without a hitch. Plus, it has three riding modes: eco, standard, and sports.

Final Thoughts

The VSETT 9+ is one of the best in smooth and safe rides. Plus, it’s one of the fastest scooters on the market. And you don’t have to worry about any wobbling and losing control with the suspension and the kick plate. However, it’s pricey, and users have found issues on the horn and other small areas that won’t fully affect your ride. Still, the VSETT 9+ scooter is one to consider if you want faster and safer rides on the road.

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Roborock S8 Robot Cleaner 2024 Review

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roborock s8

Robot floor cleaners are becoming more advanced and efficient these days. New models come up at a rapid pace, which makes finding the right one a huge challenge. One of the most popular brands, Roborock, introduces model after model of these cleaners, choosing one can be overwhelming. Here’s a review of its Roborock S8 to help you decide if this is the one for you.

The Different Roborock S8 Models

The Roborock S8 is a series of robot cleaners that comes in three variants: the entry-level Roborock S8, the mid-range Roborock S8+, and the flagship model, the Roborock S8 Pro Ultra. As expected from a series such as this, each robot has better features than its predecessors. In this instance, all of these robot cleaners can vacuum and mop your floors. 

The difference is that the Roborock S8+ and the Roborock S8 Pro Ultra have dust bins that automatically empty. And since the Roborock S8 Pro Ultra is higher up the ladder than the two others, it is equipped with an auto mop washing and drying capability.

Roborock S8 Overview

roborock s8

While the two other variants of the Roborock S8 have automated features, the Roborock S8 isn’t bad at all. It is the company’s entry-level model and is its most affordable option. It is not, in any way, inferior.

The Roborock S8 has impressive features and capabilities. Below is a quick overview of what it can do:

6000Pa Suction Power: this machine can easily tackle deep-seated dirt, pet hair, and debris from hard floors and carpets.

VibraRise Sonic Mopping System: it scrubs floors with 3,000 vibrations per minute, removing stubborn dirt and stains to leave your floors bright and shiny.

Reactive 3D Obstacle Avoidance: it uses 3D structured light and infrared imaging technology, allowing the robot cleaner to navigate obstacles precisely.

Multi-Level Mapping System: it can manage multi-level mapping for up to four floors. This means it uses its object recognition system to identify furniture or landmarks. This helps it determine which map it is currently on automatically.

DuoRoller Brush: dual brushes that reduce hair tangles to ensure that hair and dirt are swept away easily.

Adaptive Carpet Boost: This feature automatically increases the robot cleaner’s suction power when transitioning to carpets to ensure thorough cleaning.

Roborock App: allows easy control of the robot cleaner and sets your individual preferences.

Roborock S8 Setup

Unpacking and setting up your Roborock S8 is quick and straightforward. You can also configure it based on your preferences in the app. Firstly, you need to plug the power cord into the charging station. Then, fill the tank with about 300 milliliters of water, and it’s ready to clean! Just press a button at the top to get it started.

To set up the app, download it to your smartphone. Connect it to the Wi-Fi and map your home. Explore the app so you can set it for your preferred cleaning schedules and many more options.

Roborock S8 Features and Specs

roborock s8 features

Aside from those mentioned above, the Roborock S8 has many more features you’ll find useful. Below is a list:

PreciSense LiDAR Navigation: this feature creates accurate and detailed maps of your home for efficient cleaning and multi-level support.

No-Go Zones and Virtual Walls: you can set virtual boundaries to protect areas of your home you don’t want the S8 to go to.

Selective Room Cleaning: you can program the robot cleaner to choose specific rooms to clean, customizing it to your specific needs.

Auto-lifting Mop: the robot cleaner automatically raises its mop when moving from carpets to hardwood floors to avoid accidental wetting.

App Control and Voice Assistant Compatibility: this lets you manage cleaning tasks, monitor their progress, and adjust the settings from your smartphone or by using voice commands such as Alexa or Google Assistant.

Long-lasting Battery: this robot cleaner can do its job for up to 180 minutes on a single charge to cover a considerable number of areas efficiently.

Child Lock: to help protect against accidental activation by children or pets.

Washable Filters: keeps maintenance at a minimum and saves on costs.

Quiet Operation: a quiet mechanism to efficiently clean without disturbing the peace.

Here are the Roborock S8 specifications:

Color: black and white

Volume: 68.5dB

Suitable area: up to 300㎡

Rated power: 69W

Dustbin capacity: 400 ml

Battery Capacity: 5200 mAh lithium-ion battery

Runtime: Up to 180 minutes

Charge time: Approximately 4 hours

Weight: 4.7 kg (10.4 lbs)

Dimensions: Diameter: 353 mm (13.9 inches), Height: 96.5 mm (3.8 inches)

Water tank capacity: 300 ml

Connectivity: Wi-Fi: 2.4 GHz

Roborock S8 Pros and Cons

While the Roborock S8 offers many wonderful features, it still has its downsides. Here is a list of the pros and cons to help you make an informed decision.

Pros:

  • It has a powerful vacuum
  • Quick and easy setup
  • It provides effective mopping and scrubbing
  • Accurate mapping capabilities
  • Functional and feature-rich app
  • Precise navigation capabilities
  • It is more affordable than the other S8 robot cleaners
  • Lift function that dries carpets while mopping

Cons:

  • No auto-emptying and maintenance features
  • No replacement mop included
  • It may not be suitable for thicker carpets
  • There are reports of the app experiencing glitches from time to time

Roborock S8 Review

roborock s8 review

The Roborock S8 is an incredible robot cleaner with powerful cleaning capabilities, smart navigation, and convenience features. While it does not have the bells and whistles of others in its series, it is still a robot cleaner worth your money. It delivers top-notch performance with high levels of customization and control.

Its affordability is due to its lack of an auto-emptying dock. This option is excellent for those who want thorough cleaning but want to stay within a budget. However, this can be a dealbreaker for those who want a fully automated cleaning experience.

Final Thoughts

If you’re looking for a powerful cleaning tool that’s also cost-effective, the Roborock S8 is an excellent option. It is a high-end robot cleaning machine with a good blend of strengths and a few minor drawbacks. 

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