ComboSub vs Balanced IRA

Stop paying full price for subscriptions you can share. ComboSub helps you find people to split the cost of subscription plans that allow sharing or extra members — streaming, music, gaming, productivity, and more. HOW IT WORKS Hosts share their subscription plan and set a price per member. Members browse available combos, request to join, and pay the host directly using their preferred payment method. ComboSub organizes the group and keeps everything transparent. We never touch your money. Payments happen directly between you and the other person. BROWSE & DISCOVER · Browse 50+ supported services across streaming, music, gaming, productivity, AI tools, and more · Switch between Services view and Combos view to find exactly what you need · Filter by category, country, or sort by price, available spots, or most recent · Search by service name or combo ID to find a specific group instantly CREATE OR JOIN A COMBO · Host: Share your subscription and earn back part of your cost · Member: Join a combo and pay a fraction of the full price · Flexible billing: monthly, quarterly, or yearly cycles · Multiple payment methods supported per country TRUST & SAFETY · Identity verification for hosts before they can create combos · Trust scores based on payment history and community behavior · Group chat and private host-member messaging · Report and block users who don't follow the rules · Active moderation team reviewing reports TRACK PAYMENTS & SAVINGS · Upload payment proofs so both sides have a record · Hosts verify payments with one tap · See your total savings over time — as a member and as a host · Payment history timeline for every combo COMMUNITY-DRIVEN · Suggest new features, report bugs, or share feedback · Add custom services not yet in our verified list · Available in English, Spanish, Portuguese, and French ComboSub is free to use. We believe everyone should be able to save on the subscriptions they already use.

X² Capital Balanced IRA puts your retirement account in your pocket. Open an account, verify your identity and fund your IRA. WHAT YOU CAN DO • Open an account. Guided onboarding takes you through your profile, identity verification and account preferences one step at a time, and picks up where you left off if you stop partway. • Contribute. Make a contribution by ACH transfer from a linked bank account and choose the tax year it counts toward. The app tells you when you are contributing to a prior year and when that window closes. • Roll over what you already have. Move a 401(k), 403(b) or an IRA held at another institution into your X² Capital IRA, without mailing paperwork. • Link your banks. Connect the checking or savings accounts you contribute from and manage them in one place. • Track everything. Your full contribution, rollover and withdrawal history, with the current status on every transaction. • Request a withdrawal. Submit a distribution request directly in the app. BUILT FOR YOUR PHONE • Sign in with Face ID or Touch ID instead of typing a password in public. • Dark mode throughout. • Hide your balance with a tap when you are not alone. ABOUT YOUR SECURITY Every connection is encrypted with TLS. Your credentials are stored only in the iOS Keychain, on your device, and only if you turn on biometric sign-in. Biometric data never reaches the app. iOS performs the match itself and returns only a yes or no. The app never receives, stores or transmits your face or fingerprint. We ask for your Social Security number and a government-issued ID because federal law requires a financial institution to verify the identity of anyone opening a retirement account. That is the Customer Identification Program rule under the USA PATRIOT Act, and no IRA can be opened without it. GOOD TO KNOW X² Capital Balanced IRA is for current and prospective X² Capital clients. An X² Capital account is required to use the app. Bank transfers are handled by our payments partner, Dwolla. Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. Nothing in this app is investment, tax or legal advice. Contribution and withdrawal rules, including eligibility and tax treatment, are set by the IRS and depend on your circumstances — talk to your tax adviser. X-Square Capital LLC is a registered investment adviser.