The 2 Top Money Innovations of the Year

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Dean Drobot /

As 2021 winds to a close, Time magazine has identified the year’s 100 top innovations, including two that can improve your financial life.

The first innovation can benefit those hoping to increase their property value. The publication says homeowners who are weighing potential renovations should consult the website Realm before picking up a hammer or paintbrush.

Realm crunches real estate, tax, zoning and other data and suggests “the impact of different designs, materials and financing options to calculate the return on, say, a kitchen renovation,” Time says.

It is free to use Realm, but if you live in California, you can pay a fee of between $199 to $500 (credited toward project costs) to get an adviser’s more comprehensive take on potential renovations. The adviser can also help you find architects, designers and more.

Time also lauds the Capitalize Online 401(k) Rollover Platform as one of the year’s top innovations. Capitalize aims to make it easier to transition your 401(k) plan when you leave one job for another. According to Time:

“Simply enter the names of former employers or retirement-account providers, and Capitalize does the rest — unearthing accounts, handling paperwork and suggesting IRAs where old money can make new gains.”

As with Realm, Capitalize is free to use.

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