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20 useful apps and subscriptions on sale this weekend

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We’re slowly making our way into the final quarter of 2020. This year has been a doozy — and that’s putting it lightly. 

We could all use something to boost our spirits, so how about an end of summer sale?

Through September 21, you can take an extra 40% off the below list of apps and software. Each option is designed to streamline your days and teach you something new, whether that’s a new language or how to get better sleep.

To activate the price drops, enter the coupon code VIPSALE40 at checkout.

Self-Improvement

Restflix: Restful Sleep Streaming Service Subscriptions

If you need more restful sleep, check out Restflix. Nicknamed the “Netflix for sleep,” Restflix is a sleep streaming service that helps you fall asleep faster and encourages continuous, more productive rest.

It’s usually $99, but you can use the code VIPSALE40 to slash the price of a two-year subscription down to just $29.99.

20 useful apps and subscriptions on sale this weekend

BetterMe Home Workout and Diet: Lifetime Subscription

Whether you want to start eating more healthily or just get some advice from a personal trainer, BetterMe’s health and fitness app has you covered. Featuring workout challenges, meal plans, and personalized guidance, this app can help you get on track.

A lifetime subscription usually costs $1,200, but you can sign up for just $23.99 when you use the code VIPSALE40 at checkout.

20 useful apps and subscriptions on sale this weekend

The Superhuman Lifetime Subscription Bundle

This bundle gets you subscriptions to five apps. You’ll get an app to practice mindfulness, a personalized workout and nutrition program, speed-reading software, an app to learn a new language, and more.

Regularly on sale for $79, you can slash an extra 40% off using the code VIPSALE40 and get a lifetime subscription to all five apps for just $47.40.

20 useful apps and subscriptions on sale this weekend

Beelinguapp Language Learning App: Lifetime Subscription

With Beelinguapp, you can start learning a new language by reading a fairy tale, news article, or novel. The app will show you the text in two languages side by side, allowing you to visually compare them while following along with the audio.

Get lifetime access to the app for only $23.99 when you use the code VIPSALE40 at checkout.

20 useful apps and subscriptions on sale this weekend

Productivity and Efficiency

Speechify Audio Reader: 1-Year Subscription

This app turns text into audio using AI. It can read books, documents, articles, and more out loud while you cook, commute, wait in line at the store, or go for a run, giving you more time to “read” throughout the day.

A one-year subscription is usually $390, but you can sign up for just $23.99 when you use the code VIPSALE40.

20 useful apps and subscriptions on sale this weekend

Postoplan Social Media Automation: Lifetime Subscription

Postoplan is an automatic marketing system designed to make your social media efforts more productive. You can add an unlimited number of accounts, choose from over 700 ready-made post ideas, or plan out your strategy. Most importantly, you can customize and schedule content to meet your brand needs and save you time and energy.

Get a lifetime subscription for just $59.99 (regularly $199) when you enter the code VIPSALE40 at checkout.

20 useful apps and subscriptions on sale this weekend

PDFBEAR All in One PDF Software: Lifetime Subscription

Convert PDFs into more usable formats like Word, Excel, PowerPoint, or JPEG with unlimited task conversion in PDFBEAR. You can also convert Word, Excel, PowerPoint, PNG, TIFF, and other files into PDFs for easy sharing. The software will automatically detect and choose the highest quality output possible, and it works on Windows, Mac, or Linux.

A lifetime subscription is typically $1,000, but you can get it for just $41.99 with the code VIPSALE40.

20 useful apps and subscriptions on sale this weekend

Foreceipt Receipt Tracker App: 5-Year Subscription

Rated 4.6 out of 5 stars on Apple’s App Store, this app will digitize your receipts, bills, and invoices for you. It’s used by business owners, self-employed workers, contractors, freelancers, and more to track taxes, income, and daily expenses.

Get a five-year subscription for only $17.99 (regularly $239) when you use the code VIPSALE40 at checkout.

20 useful apps and subscriptions on sale this weekend

Online Safety and Security

Dashlane Password Manager Premium Plan: 1-Yr Subscription

Dashlane generates strong, unique passwords (in other words, not “password123”) for all of your accounts, stores them for future use, and changes them in seconds. It will also automatically fill in not only the password, but also payment and personal details on any device. You’ll just need to remember a single master password.

A one-year subscription usually costs $59, but you can use the code VIPSALE40 to knock the price down to just $17.99.

20 useful apps and subscriptions on sale this weekend

KeepSolid VPN Unlimited: Infinity Plan (10 Devices)

If you’re working from home, or just doing a lot of binge-watching, you should ensure your activities are protected — and KeepSolid VPN Unlimited is a good VPN option.

The infinity plan for 10 devices is usually $299, but you can use the code VIPSALE40 to get it for only $35.40.

20 useful apps and subscriptions on sale this weekend

Business and Branding

Design Wizard Pro: Lifetime Subscription

Whether you’re creating a website, promoting your business on social media, or just need a catchy image for an ad campaign, Design Wizard Pro has your back. Unlike a stock image arsenal, it gives you unlimited access to over 30,000 templates and over one million high-quality images. Plus, you can easily edit and resize them to match your brand’s style.

A lifetime subscription is worth $599, but you can get one for just $23.40 when you enter the code VIPSALE40 at checkout.

20 useful apps and subscriptions on sale this weekend

LongTailPro: One Time (10,000 Keyword Lookups. No Expiry, No Reset)

Long-tail keywords are a secret weapon when it comes to getting seen on the web. LongTailPro can suggest hundreds of specific long-tail keywords from a single term. You can create filters based on your average CPC bid, search volume, rank value, and more to find particular keyword suggestions quickly. Plus, you’ll get access to a seven-day SEO bootcamp.

A $1,500 value, you can get 10,000 keyword lookups with LongTailPro for just $29.99 when you use the code VIPSALE40 at checkout.

20 useful apps and subscriptions on sale this weekend

Sellfy Online Store Builder: Starter Plan

If you want to sell stuff online, Sellfy Online Store Builder can help streamline the process. Whether you’re offering physical or digital products, this tool helps you set up a store to sell up to $10,000 in merchandise every year with 0% transaction fees.

Regularly $229, you can get the starter plan for only $35.99 when you use the code VIPSALE40 at checkout.

20 useful apps and subscriptions on sale this weekend

MySignature Email Signature Generator

On MySignature, you’ll make a fancy custom-branded email signature to make your business emails look more professional. You can add logos, photos, banners, contact information, links to social media profiles, and calls-to-action to help you stand out, boost your credibility, and build trust with potential clients and customers.

Usually on sale for $29.99, you can get a lifetime subscription and three signatures for just $17.99 with the code VIPSALE40.

20 useful apps and subscriptions on sale this weekend

Hello Backgrounds: Videos and Images Package

Get access to 90 stunning videos and 305 beautiful image backgrounds for your video calls with this Hello Backgrounds package. The assets are compatible with most video conferencing apps and feature settings like stylish boardrooms, cozy study rooms, and lovely beaches. You’ll get free access to backgrounds added in the future as well.

Usually $99 and currently on sale for $39.99, you can use the code VIPSALE40 and get it for just $23.99.

20 useful apps and subscriptions on sale this weekend

Rezi Résumé Software: Pro Lifetime Subscription

Rezi’s software compares your résumé to thousands of others and highlights the parts that could use some work, what stands out, and ultimately gives you a leg up on the competition no matter the industry or job you’re chasing.

A pro lifetime subscription is usually on sale for $29 (down from $540), but you can use the code VIPSALE40 and 

20 useful apps and subscriptions on sale this weekend

Investing and Trading

Mashvisor: Lifetime Subscription

This software analyzes live data to help you find profitable real estate assets. If you want to start investing in real estate, but don’t know where to start, Mashvisor is a helpful tool to get you up to speed.

Regularly on sale for $39.99, you can slash an extra 40% off with the code VIPSALE40 and get a lifetime subscription to the basic plan for just $23.99.

20 useful apps and subscriptions on sale this weekend

Currency HeatwaveX Financial Tool: Lifetime Subscription

As currencies rise or fall in value, Currency HeatwaveX delivers up-to-the-second analytics, helping you make informed trading decisions on the spot.

A lifetime subscription is typically $1,140, but you can get it for just $29.99 when you use the code VIPSALE40.

20 useful apps and subscriptions on sale this weekend

Just For Fun

Ashampoo® 3D CAD 7: Architecture Version

Whether you’re looking to redecorate, renovate, or build from scratch, this award-winning software helps you visualize your project before you begin. You can put together reliable 2D, 3D, and cross-section views of your projects, so you can fine-tune every single detail to your liking.

You can get lifetime access for only $17.99 (regularly $79) when you use the code VIPSALE40 at checkout.

20 useful apps and subscriptions on sale this weekend

History Hit TV Streaming Service

History Hit TV offers a trove of incredible history content, from documentaries and interviews to podcasts and epic films.

You can get two years of History Hit TV for just $29.99 (regularly $99) when you use the code VIPSALE40 at checkout.

20 useful apps and subscriptions on sale this weekend

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Business

The Trump campaign celebrated a growth record that Democrats downplayed.

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The White House celebrated economic growth numbers for the third quarter released on Thursday, even as Joseph R. Biden Jr.’s presidential campaign sought to throw cold water on the report — the last major data release leading up to the Nov. 3 election — and warned that the economic recovery was losing steam.

The economy grew at a record pace last quarter, but the upswing was a partial bounce-back after an enormous decline and left the economy smaller than it was before the pandemic. The White House took no notice of those glum caveats.

“This record economic growth is absolute validation of President Trump’s policies, which create jobs and opportunities for Americans in every corner of the country,” Mr. Trump’s re-election campaign said in a statement, highlighting a rebound of 33.1 percent at an annualized rate. Mr. Trump heralded the data on Twitter, posting that he was “so glad” that the number had come out before Election Day.

The annualized rate that the White House emphasized extrapolates growth numbers as if the current pace held up for a year, and risks overstating big swings. Because the economy’s growth has been so volatile amid the pandemic, economists have urged focusing on quarterly numbers.

Those showed a 7.4 percent gain in the third quarter. That rebound, by far the biggest since reliable statistics began after World War II, still leaves the economy short of its pre-pandemic levels. The pace of recovery has also slowed, and now coronavirus cases are rising again across much of the United States, raising the prospect of further pullback.

“The recovery is stalling out, thanks to Trump’s refusal to have a serious plan to deal with Covid or to pass a new economic relief plan for workers, small businesses and communities,” Mr. Biden’s campaign said in a release ahead of Thursday’s report. The rebound was widely expected, and the campaign characterized it as “a partial return from a catastrophic hit.”

Economists have warned that the recovery could face serious roadblocks ahead. Temporary measures meant to shore up households and businesses — including unemployment insurance supplements and forgivable loans — have run dry. Swaths of the service sector remain shut down as the virus continues to spread, and job losses that were temporary are increasingly turning permanent.

“With coronavirus infections hitting a record high in recent days and any additional fiscal stimulus unlikely to arrive until, at the earliest, the start of next year, further progress will be much slower,” Paul Ashworth, chief United States economist at Capital Economics, wrote in a note following the report.

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Black and Hispanic workers, especially women, lag in the U.S. economic recovery.

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The surge in economic output in the third quarter set a record, but the recovery isn’t reaching everyone.

Economists have long warned that aggregate statistics like gross domestic product can obscure important differences beneath the surface. In the aftermath of the last recession, for example, G.D.P. returned to its previous level in early 2011, even as poverty rates remained high and the unemployment rate for Black Americans was above 15 percent.

Aggregate statistics could be even more misleading during the current crisis. The job losses in the initial months of the pandemic disproportionately struck low-wage service workers, many of them Black and Hispanic women. Service-sector jobs have been slow to return, while school closings are keeping many parents, especially mothers, from returning to work. Nearly half a million Hispanic women have left the labor force over the last three months.

“If we’re thinking that the economy is recovering completely and uniformly, that is simply not the case,” said Michelle Holder, an economist at John Jay College in New York. “This rebound is unevenly distributed along racial and gender lines.”

The G.D.P. report released Thursday doesn’t break down the data by race, sex or income. But other sources make the disparities clear. A pair of studies by researchers at the Urban Institute released this week found that Black and Hispanic adults were more likely to have lost jobs or income since March, and were twice as likely as white adults to experience food insecurity in September.

The financial impact of the pandemic hit many of the families that were least able to afford it, even as white-collar workers were largely spared, said Michael Karpman, an Urban Institute researcher and one of the studies’ authors.

“A lot of people who were already in a precarious position before the pandemic are now in worse shape, whereas people who were better off have generally been faring better financially,” he said.

Federal relief programs, such as expanded unemployment benefits, helped offset the damage for many families in the first months of the pandemic. But those programs have mostly ended, and talks to revive them have stalled in Washington. With virus cases surging in much of the country, Mr. Karpman warned, the economic toll could increase.

“There could be a lot more hardship coming up this winter if there’s not more relief from Congress, with the impact falling disproportionately on Black and Hispanic workers and their families,” he said.

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Ant Challenged Beijing and Prospered. Now It Toes the Line.

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As Jack Ma of Alibaba helped turn China into the world’s biggest e-commerce market over the past two decades, he was also vowing to pull off a more audacious transformation.

“If the banks don’t change, we’ll change the banks,” he said in 2008, decrying how hard it was for small businesses in China to borrow from government-run lenders.

“The financial industry needs disrupters,” he told People’s Daily, the official Communist Party newspaper, a few years later. His goal, he said, was to make banks and other state-owned enterprises “feel unwell.”

The scope of Mr. Ma’s success is becoming clearer. The vehicle for his financial-technology ambitions, an Alibaba spinoff called Ant Group, is preparing for the largest initial public offering on record. Ant is set to raise $34 billion by selling its shares to the public in Hong Kong and Shanghai, according to stock exchange documents released on Monday. After the listing, Ant would be worth around $310 billion, much more than many global banks.

The company is going public not as a scrappy upstart, but as a leviathan deeply dependent on the good will of the government Mr. Ma once relished prodding.

More than 730 million people use Ant’s Alipay app every month to pay for lunch, invest their savings and shop on credit. Yet Alipay’s size and importance have made it an inevitable target for China’s regulators, which have already brought its business to heel in certain areas.

These days, Ant talks mostly about creating partnerships with big banks, not disrupting or supplanting them. Several government-owned funds and institutions are Ant shareholders and stand to profit handsomely from the public offering.

The question now is how much higher Ant can fly without provoking the Chinese authorities into clipping its wings further.

Excitable investors see Ant as a buzzy internet innovator. The risk is that it becomes more like a heavily regulated “financial digital utility,” said Fraser Howie, the co-author of “Red Capitalism: The Fragile Financial Foundation of China’s Extraordinary Rise.”

“Utility stocks, as far as I remember, were not the ones to be seen as the most exciting,” Mr. Howie said.

Ant declined to comment, citing the quiet period demanded by regulators before its share sale.

The company has played give-and-take with Beijing for years. As smartphone payments became ubiquitous in China, Ant found itself managing huge piles of money in Alipay users’ virtual wallets. The central bank made it park those funds in special accounts where they would earn minimal interest.

After people piled into an easy-to-use investment fund inside Alipay, the government forced the fund to shed risk and lower returns. Regulators curbed a plan to use Alipay data as the basis for a credit-scoring system akin to Americans’ FICO scores.

China’s Supreme Court this summer capped interest rates for consumer loans, though it was unclear how the ceiling would apply to Ant. The central bank is preparing a new virtual currency that could compete against Alipay and another digital wallet, the messaging app WeChat, as an everyday payment tool.

Ant has learned ways of keeping the authorities on its side. Mr. Ma once boasted at the World Economic Forum in Davos, Switzerland, about never taking money from the Chinese government. Today, funds associated with China’s social security system, its sovereign wealth fund, a state-owned life insurance company and the national postal carrier hold stakes in Ant. The I.P.O. is likely to increase the value of their holdings considerably.

“That’s how the state gets its payoff,” Mr. Howie said. With Ant, he said, “the line between state-owned enterprise and private enterprise is highly, highly blurred.”

China, in less than two generations, went from having a state-planned financial system to being at the global vanguard of internet finance, with trillions of dollars in transactions being made on mobile devices each year. Alipay had a lot to do with it.

Alibaba created the service in the early 2000s to hold payments for online purchases in escrow. Its broader usefulness quickly became clear in a country that mostly missed out on the credit card era. Features were added and users piled in. It became impossible for regulators and banks not to see the app as a threat.

ImageAnt Group’s headquarters in Hangzhou, China.
Credit…Alex Plavevski/EPA, via Shutterstock

A big test came when Ant began making an offer to Alipay users: Park your money in a section of the app called Yu’ebao, which means “leftover treasure,” and we will pay you more than the low rates fixed by the government at banks.

People could invest as much or as little as they wanted, making them feel like they were putting their pocket change to use. Yu’ebao was a hit, becoming one of the world’s largest money market funds.

The banks were terrified. One commentator for a state broadcaster called the fund a “vampire” and a “parasite.”

Still, “all the main regulators remained unanimous in saying that this was a positive thing for the Chinese financial system,” said Martin Chorzempa, a research fellow at the Peterson Institute for International Economics in Washington.

“If you can’t actually reform the banks,” Mr. Chorzempa said, “you can inject more competition.”

But then came worries about shadowy, unregulated corners of finance and the dangers they posed to the wider economy. Today, Chinese regulators are tightening supervision of financial holding companies, Ant included. Beijing has kept close watch on the financial instruments that small lenders create out of their consumer loans and sell to investors. Such securities help Ant fund some of its lending. But they also amplify the blowup if too many of those loans aren’t repaid.

“Those kinds of derivative products are something the government is really concerned about,” said Tian X. Hou, founder of the research firm TH Data Capital. Given Ant’s size, she said, “the government should be concerned.”

The broader worry for China is about growing levels of household debt. Beijing wants to cultivate a consumer economy, but excessive borrowing could eventually weigh on people’s spending power. The names of two of Alipay’s popular credit functions, Huabei and Jiebei, are jaunty invitations to spend and borrow.

Huang Ling, 22, started using Huabei when she was in high school. At the time, she didn’t qualify for a credit card. With Huabei’s help, she bought a drone, a scooter, a laptop and more.

The credit line made her feel rich. It also made her realize that if she actually wanted to be rich, she had to get busy.

“Living beyond my means forced me to work harder,” Ms. Huang said.

First, she opened a clothing shop in her hometown, Nanchang, in southeastern China. Then she started an advertising company in the inland metropolis of Chongqing. When the business needed cash, she borrowed from Jiebei.

Online shopping became a way to soothe daily anxieties, and Ms. Huang sometimes racked up thousands of dollars in Huabei bills, which only made her even more anxious. When the pandemic slammed her business, she started falling behind on her payments. That cast her into a deep depression.

Finally, early this month, with her parents’ help, she paid off her debts and closed her Huabei and Jiebei accounts. She felt “elated,” she said.

China’s recent troubles with freewheeling online loan platforms have put the government under pressure to protect ordinary borrowers.

Ant is helped by the fact that its business lines up with many of the Chinese leadership’s priorities: encouraging entrepreneurship and financial inclusion, and expanding the middle class. This year, the company helped the eastern city of Hangzhou, where it is based, set up an early version of the government’s app-based system for dictating coronavirus quarantines.

Such coziness is bound to raise hackles overseas. In Washington, Chinese tech companies that are seen as close to the government are radioactive.

In January 2017, Eric Jing, then Ant’s chief executive, said the company aimed to be serving two billion users worldwide within a decade. Shortly after, Ant announced that it was acquiring the money transfer company MoneyGram to increase its U.S. footprint. By the following January, the deal was dead, thwarted by data security concerns.

More recently, top officials in the Trump administration have discussed whether to place Ant Group on the so-called entity list, which prohibits foreign companies from purchasing American products. Officials from the State Department have suggested that an interagency committee, which also includes officials from the departments of defense, commerce and energy, review Ant for the potential entity listing, according to three people familiar with the matter.

Ant does not talk much anymore about expanding in the United States.

Ana Swanson contributed reporting.

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