Download an app on your phone, link it to your bank account, contribute some money each month to a pool shared with a bunch of people you've never met before, and wait your turn to get a payout. I'm no mind reader, but you probably have one of two reactions to that proposition: "That sounds shady as all hell," or, "That sounds like something my parents did." Well, this is the general idea behind Yahoo Finance's new app called Tanda, and it probably warrants some explanation.

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