Citizens finance project

I like the 'citizens finance' teams that take part in various events, keep up tha good work and tel us the about your latest

#citizen_finance #blockchain #nft4ART #nft4FPS #bitcoin #nft4XR #crypto #ethereum #cryptocurrencies #fintech #defi #bsc

https://citizenfinance.io/

Miami Crypto Expo After Action Report

I attended the Miami Crypto Expo at the Intercontinental Hotel in Downtown Miami last Thursday and Friday which had a great mix of workshops covering three main topics: decentralized finance; bitcoin/crypto generally; NFTs.

I attended both days and went to many workshops. I had a great time, but as a nerd it's easy for me to get carried away in such a setting. As a resident of the county and long time tourist in the bitcoin space I saw this as an early opportunity to get my ear to the ground and start to pick out the interesting future trends which may have their nascence here in South Florida due to the very open stance the Mayor and some commissioners have taken.

Some of you may already know about a large conference happening early June, which I expect to be a landmark event.

I wanted to throw this up for anyone who went talk about their own experiences, or for people who didn't know about the event to ask any questions they may have about what happened.

Oh no! The entire market moves together! It must be a scam!

Bitcoin is the main powerhouse if the crypto world that drags everything else with it. If Bitcoin goes up, the market goes up. If Bitcoin crashes, then everything crashes. This is pretty much common knowledge, but I have encountered quite a few people lately that are new to crypto and did not know this and occasionally they even wonder how is that even possible that the entire market suddenly drops, all at the same time, following the exact same curve? It must be a scam and all manipulated because no way this is a “natural” occurrence. But actually, it is.

The below is a rough explanation of one of the reasons, amongst many, why this happens. There are other reasons too, some may affect it more some may affect it less, but this one gives a good idea about why it is a logical consequence of Bitcoin pulling the market so that it is not caused by some unknown Great Manipulator in the shadows, but it is a natural phenomenon.

It is all basically happening because there is a trading pair (BTC/USDT) that have both its coins traded with most other coins, like when there is a new coin added to exchanges it is very likely it will be set up as trading pairs with Bitcoin and USDT so by now, there are trading pairs on most exchanges between any coins and Bitcoin (BTC) and any coins and Tether (USDT). This means you can trade your coins for Bitcoin and for USDT amongst others. So if there is a sharp move on the BTC/USDT pair, it imbalances the price of other coins that also trade between both coins, generating a pressure to follow.

So first, let’s assume we have 1 Bitcoin (BTC), 1 Tether (USDT) and 1 Tabby Cat Token (TCT). They all have trading pairs with each other, so there are BTC/USDT, BTC/TCT and also USDT/TCT pairs.

For simplicity, let’s assume 1BTC=1USDT=1TCT meaning you can buy 1 Bitcoin for 1 USDT or 1USDT for 1TCT or 1 Bitcoin for 1TCT. This is the balance state.

If Bitcoin drops to half of its value against USDT because someone sells a large amount of it for USDT pushing down the price, it is easy to see that suddenly the TCT/BTC and TCT/USDT price will become imbalanced. Before the deal it was 1TCT=1BTC and 1TCT=1USDT but when Bitcoin dropped to half its price against USDT it created a market price pressure on TCT since at that point 1TCT did worth 1USDT but also did worth 1BTC directly but 2BTC indirectly through USDT. So indirectly TCT went up against Bitcoin resulting in sell orders driving the price of TCT down too following the price of Bitcoin.

Since the above happens quickly, pretty much in real time, all we can see is that when Bitcoin moves, most of the market also moves with it.

Of course, this is just one of the reasons, probably not even explained very well or accurately, but I find it simple enough to make some sense in the “everything moves together” events so some people may sleep better when they understand that it is just a logical consequence of the aligned stars (Bitcoin and USDT) and not an elaborate market manipulation of some major scammer.

New York Blockchain meetup

Calling on our New York community!

RSK Co-Founder u/gabrielkurman and u/sovrynBTC will be with New York Blockchain Meetup discussing all things #Bitcoin #DeFi with #RSK!

TOMORROW, 8pm ET
Register to participate: meetup.com/es-ES/BlockchainNYC/events/277428131/

[Canada] Taxing Times

BMO

Douglas Porter, CFA

April 23rd, 2021

​

• Textbook economics tell us that a looser fiscal policy combined with a tighter monetary policy usually leads to a stronger currency. Apparently, the textbooks are still sometimes correct. The Canadian dollar forged above 80 cents(US), firming on net in a week that saw a pair of heavyweight events. While the broad strokes of the Federal budget and the Bank of Canada’s Monetary Policy Report were no big surprise, both landed on the very far end of the expectations spectrum. After an earlier pledge to spend an extra $70 bln-to-$100 bln over the next three years to support the economy, the budget in fact offered up $101 bln, with almost half front-end loaded into the current fiscal year (i.e., an extra 2% of GDP this year alone). Two days later, the currency really got a charge when the Bank tapered QE purchases from $4 bln to $3 bln per week, as widely expected, but piled on with at least four surprisingly hawkish signals for good measure. Briefly:

1. The tapering was bluntly billed as a response to economic progress, and not as a technical measure. In fact, the Bank didn’t even attempt to soften the blow by suggesting any change in the maturity of bond purchases.
2. The Bank now sees economic slack as being absorbed by the second half of 2022, much earlier than the previous “some time in 2023”.
3. The Bank projected inflation to be above 2% out in 2023 (in fact, 2.4% Q4/Q4), clearly setting the stage for a potential justification of rate hikes well before then. The CPI report earlier that day already revealed a March pop in headline trends to 2.2%, and above 2% for two of the BoC’s core measures.
4. As if to add an exclamation point, the Bank’s GDP growth forecastsuddenly jumped to the top of the class, calling for 6.5% this year, up from 4.0% just three months earlier, and well above even what the budget was premised on just two days earlier (5.8%, according to the private sector consensus).

• Effectively, in one stroke, the Bank has gone from being among the most cautious forecasters on the Canadian growth outlook this year to the most optimistic. True, we had also been calling for a strong 6.5% advance this year, but we trimmed our projection to 6.0% this week (while simultaneously lifting next year a similar amount to 4.5%). Even with the spending blast from the budget, the wave of renewed and deepening restrictions across much of the country has prompted us to rein in our estimate of Q2 GDP to nil. While we do expect a hearty rebound as things reopen, the fact is that some activity will be lost for good by these latest lockdowns. The Bank did allow that the third wave is a new challenge for the economy, and readily noted that the forecasts still carry great uncertainty. But it is quite the statement that the Bank chose to take its growth call to the very high end of consensus.
• The Bank may also be more willing to build in a fiscal multiplier from the heavy-duty federal spending than most others. The direct contribution from government outlays is expected to alone boost GDP by 1.5 percentage points this year. Its forecast assumed a middle ground of $85 bln of additional spending, so the budgetary measures may even give some upside risk to their view.
• Sidebar: One of the more notable moments of the press conference was when Governor Macklem was asked about the discrepancy between the assumption on extra government spending and the $101 bln reality. He essentially brushed off the $16 bln difference. In days of yore—like 16 months ago—that amount of money would have made a big difference for forecasts, weighing in at 0.7% of current GDP. Such is life in days of triple-digit budget deficits.
• There was much less market reaction to the budget, despite the heavy-duty build-up to the event. Clocking in well above 700 pages and containing—by our count—276 separate new initiatives, perhaps the document simply overwhelmed. And, while there’s always some mystery around new measures and the big figures on the deficit, there were no shocks on either front. The showpiece child care plan was well telegraphed, and still requires negotiations with the provinces. On the deficit, the current year did come in higher than many expected (not us) at $155 bln (or 6.4% of GDP), and the prior year’s record shortfall was equally chopped to $354 bln (16.1%). And, next year’s gap is still expected to narrow sharply to just below $60 bln (a manageable 2.3% of GDP).
• The one significant market response was a sell-off at the long end of the yield curve, as Ottawa tilted this year’s borrowing plan heavily to the long end. After the dust settled, Canada’s 30-year bond yield finished the week about 5 bps higher at just above 2%, in a week when long-term Treasuries dipped 3 bps to just below 2.25%—a large relative move. The short end of Canada’s curve eventually also saw yields move higher on the blatantly hawkish BoC message.
• One small mercy in the wide-ranging budget was the absence of broad tax hikes. No doubt, there were some targeted measures, including a tax on luxury goods, digital services, a limit on corporate interest deductions, and a 1% levy on vacant homes owned by non-residents. The latter was a mild effort to tame the raging housing market, which flashed yet more signs of wildness this week. New home prices ratcheted higher again last month, but the real eye-popper was the blow-out 335,000 housing starts in March—the highest monthly tally recorded in 30 years of data. (The all-time annual apex was set in 1976 at 273,203 units.)
• Sidebar II and a not-so-modest proposal: In some sense, it’s passing strange that we are even talking about tax hikes at all. After all, isn’t Ottawa attempting to stimulate, or “jumpstart” (in its words), the economy? Pray tell, why then is all the fiscal room taken up by the spending side, and not at least some space for lower taxes to help support the economy’s competitiveness? We would assert that trimming marginal income tax rates could, in one fell swoop: a) help housing affordability by providing more after-tax income; b) help defray child care expenses; c) incent more to join the labour force by reducing the cost of work; and, d) boost spending power and stimulate consumption. If Ottawa is perfectly fine with running deficits as far as the eye can see, in good times or very bad, then why can’t some of the gap be aimed at fundamentally lower taxes rather than permanently higher spending?
• While Ottawa’s budget didn’t talk about large tax increases—yet—the topic is now very much on the U.S. table. First, President Biden’s huge infrastructure proposal is expected to be at least partly funded by a hike in corporate taxes. Second, and the new news this week, was the proposal to lift capital gains taxes sharply for those earning more than $1 mln annually. This is expected to help pay for the next leg of the President’s domestic agenda, including a child care plan. Normally, we may be tempted to step in with the same comment as above; i.e., if deficits suddenly don’t matter… but, the starting point for U.S. finances is weaker, and the wave of stimulus programs have already been much more overwhelming in recent months than anything seen from Ottawa. While the latter’s deficit is expected to moderate to around 1% of GDP within a few years, there is no such prospect of anything in that time zone from Washington.
• Financial markets suffered a one-day hit from news of the U.S. capital gains tax plan. However, the damage didn’t prove lasting, as the reality of its challenging approval process meant cooler heads prevailed. U.S. equities dipped only slightly on the week, finding support from generally solid earnings. It was an otherwise quiet week for U.S. economic releases and for markets—aside from Bitcoin, which suddenly finds itself in a bear market, falling more than 20% in a week, perhaps crowded out by Dogecoin. And there is no truth, none whatsoever, that Bitcoin stands for Bigger Idiot Theory Coin…none. Zero.
• Next week, the U.S. economic calendar gathers some serious momentum, with the highlight reel events the FOMC meeting on Wednesday and Q1 GDP the next day. We are expecting a crackling 7% annualized advance for the latter, driven by some reopening and the two-stage fiscal stimulus packages in the quarter. Also keep an eye on Friday’s income and spending figures for March, which are likely to be ginormous amid the $1,400 payments. That same day will also bring Canada’s monthly GDP figures for February, and a flash estimate for March. Not unlike the U.S., we anticipate a whopping March advance as the economy opened a touch last month. Sadly, it’s almost a certainty that April will bring a big reversal, as shutdowns have since swept across the country, even to places like Nova Scotia and British Columbia, which had previously avoided the worst of the pandemic. However, we fundamentally believe that the flashes of strength we shall see for March simply provide a hint of what lies ahead when the economy can more fully and safely reopen.

Did I fuck up my FIFO reporting?

So I'm going to lead off by saying this is about Bitcoin, though frankly issue would apply to securities though I assume it might come up less. I am in the USA.

So the situation is that starting in 2019 I began doing a small amount of trading using Popular service A. This was the first time I ever sold Bitcoin, though I did have other holdings prior to this time, there were no taxable events. At one point in 2019 I deposit cash from my bank into service A, and buy bitcoin. Que buy/sell/buy/sell blah blah. Come tax time, I load up my transaction report of buys and sells and do the work of figuring out my profits, using FIFO, all using short term capital gains rates at the end because it was all less than a year. I had a similar situation for 2020, reported and filed, ok cool.

So it's 2021, I have trades this year already, short term trades. But now I want to cash out some of my longer term holdings, so I transfer some from my long term holdings that were held by Popular service B, and sell them on Popular service A. And immediately think- Oh fuck, will the IRS think it's weird that I've been reporting a bunch of short term, and suddenly there is going to be a sale where I am saying, oh hey I'm using FIFO still, but this bit I sold is older than anything else I have told you about up to this point...

I'm worried I screwed it up and best case just have to redo a lot of calculations and refile, I think the impact on taxes would be pretty negligible potentially even in my favor if I should have been using the older coins for my basis all along, but I do want it to be correct going forward. What do you guys think?

The trading amounts were never enough to warrant hiring a professional, and while the amount now is more significant it is one time, and I don't want to engage a CPA if I am just massively over thinking this... thank you in advance for any advice!!

Indyglo's Monday Promocodes

Below are 62 of my current signup links and promo codes for cashback bonuses and discounts, categorized by type, followed by alphabetized summaries. I am a customer of the listed sites/apps/services and appreciate any questions or feedback.

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  • You must use both these codes when signing up:
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Cash Back

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Food/Nutrition

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Investing

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Shopping

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Uncategorized

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About These Apps/Services/Sites:

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• Doordash offers delivery & takeout from the best local restaurants. Breakfast, lunch, dinner and more, delivered safely to your door. Doordash offers pickup & no-contact delivery.
• Dropbox is a cloud storage service that lets you save files online and sync them to your devices. You can use Dropbox links to share files and folders with other people without sending large attachments. Dropbox offers a free plan that includes 2GB of storage. You can pay to increase that to as much as 3TB with a subscription.
• Duolingo Plus - Duolingo is the most popular language-learning platform and the most downloaded education app in the world, with more than 300 million users. The company's mission is to make education free, fun, and accessible to all. Duolingo is designed to feel like a game and scientifically proven to be effective. Upgrading your free Duolingo account to Duolingo Plus gives you an ad-free experience. ability to download lessons in the app for offline use and unlimited skill test-outs.
• eToro is a multi-asset platform which offers both investing in stocks and cryptoassets, as well as trading CFD assets
• Evernote Premium - Evernote is an app that allows you to work from anywhere, stay in sync from any device, no matter where you are—you can even access notes when you have no WiFi or mobile data access. Evernote Premium, the top tier, adds the most features, such as the ability to search for text in Office documents and PDFs, annotate PDFs, scan business cards and suggested notes and content from the web that are relevant to the note you're currently working on.
• Fuel Rewards is a loyalty program that helps you save money on gas when you dine at participating restaurants and shop at participating grocers, local, and online merchants. Save at least 5¢/gal on every fill-up with Gold Status at Shell, and save more when you combine with other rewards (see https://www.fuelrewards.com/fuelrewards/how.html).
• GivingAssistant is a company that gives you cash back and coupon codes when shopping via their online portal. When you purchase a product via the cash-back platform, the merchant pays a commission to Giving Assistant. Then, 50% of the commission is paid back to the customer (you) as an incentive. You can choose the nonprofit and also adjust the percentage they receive.
• GNC is the largest global specialty retailer of nutritional products, including vitamin, mineral, herbal and other specialty supplements and sports nutrition, diet and energy products.
• GoCashBack is a cash-back website allowing you to get up to 31% cash back at your favorite stores. Find cash back and browse coupon codes to save even more money at over 1,500 retailers. Use the GoCashBack app to check your cash-back status from anywhere and click through while on the go to save when you shop from your phone. You can even get cash back when you dine out locally or at special events.
• Groupon, whose name combines "group" and "coupon", is a website and mobile app that offers coupons, cashback on purchases and group deals to consumers. Restaurants, retailers, and manufacturers use Groupon deals in an effort to lure customers into their establishments or to purchase their products.
• Grubhub partners with restaurants in your area to offer delivery for ones that don't normally deliver, while also offering a convenient online ordering system for the ones that do. Everything is handled through Grubhub, giving customers the flexibility to sign into one place and order nearly anything.
• Home Chef is a weekly subscription meal kit service. Customers receive orders with all the fresh ingredients you need to make restaurant quality recipes, designed by Home Chef chefs. Home Chef saves you the time of going to the grocery store, finding new recipes, meal planning, and portioning.
• Honey is a browser extension that automatically finds and applies coupon codes at checkout with a single click. Honey supports over 30,000 stores globally
• Houzz is an online platform for home remodeling, architecture, interior design, decorating, landscaping, and home improvement.
• Ibotta is a free cash-back rewards and payments app that gives you real cash for everyday purchases when you shop and pay through the app. Ibotta provides thousands of ways for consumers to earn cash on their purchases by partnering with more than 1,500 brands and retailers.
• Instacart lets you shop from local grocery stores online, then sends a “personal shopper” to fulfill and deliver your order to you the same day (or a future date/time of your choosing). Unlike other grocery delivery services, the company doesn't stockpile fresh produce in a massive warehouse.
• Instacart Shopper - Earn extra money shopping for others. As a shopper, you go to the grocery store like normal, except you’re getting paid to shop for others. Work whenever it works for you. With no set hours or days, you can shop as much or as little as you want, anytime you want. Must be age 18+ and be able to lift 40lbs.
• Invitation.Codes is a site/app where you can sign up for free and post your referral links/codes for all of the most up to date promotions that are out there at the moment. There's a great community vibe to it and it's a great way to meet other like-minds while learning about new products and signup/referral offers.
• Lemoney is a cash-back site with 1800+ stores. Find the best deals, coupons, cash-back rates, promo codes, sales, and discounts at Lemoney. Shop with Turbo Cashback and boost your cash-back rate.
• Lyft is a rideshare service that lets you call a driver and car to your location using the Lyft app who will drive you where you need to go.
• Miles is a rewards app empowering anyone to earn miles automatically for all modes of transportation. The Miles app rewards you with miles - their version of points - for no matter how you get from point A to point B (whether you drive, walk, bike, ride the train). Redeem the miles you’ve earned for rewards, discounts, and deals from brands such as Amazon, Chewy, DoorDash, HP, Reebok, Home Chef and more.
• Mr. Rebates is a shopping portal where you can do online shopping at online stores you love, and earn cash-back rebates on your purchases. They have an A+ rating from the BBB (Better Business Bureau), and you can earn as much as 30% back.
• MyPoints is a daily rewards program – just like when you earn miles on an airline or cash back on a credit card. Flexible, you don’t have to stick with one store to earn Points, and you don’t have to take your rewards in just one form. They have many partners that our members can shop with and redeem from. You can also earn points by completing surveys, watching videos and more.
• NatureBox is a snack subscription focused on providing healthier options to reduce stress and promote wellness. Their snacks are unique, delicious, and guilt-free. No artificial flavors, colors or sweeteners. No corn syrup of any kind. No hydrogenated oils. No MSG. Some newer offerings include a Wellness Collection of snacks containing adaptogens in their ingredients list, CBD Snacks infused with hemp, supplements, and coffee.
• Postmates is an on-demand goods delivery platform having a presence in more than 100 metropolitan areas in the US that enables people to get anything from local restaurants and stores delivered at their doorstep for a small fee. Postmates delivers goods with the help of their human courier networks which enables people to order anything from anywhere within the city.
• Privacy.com is an innovative way to protect your personal information over the internet. Are you feeling uncomfortable using your credit card online? Privacy.com has the perfect solution - it creates a virtual card that masks your bank statements for your online payments.
• Raise is a money-saving website aimed at helping people buy and sell discounted gift cards.
• Rakuten gets a commission from stores when you make a purchase, and shares it with you. Find the store on rakuten.com, click “Shop Now” and shop like normal on the store site. After you make an eligible purchase, you’ll earn cash back and get a check or PayPal payment every quarter.
• RebatesMe makes it easy to save at the stores you love. Earn cash back while shopping online, get access to thousands of coupons, and get the best price on millions of products.
• Shutterfly enables users to create personalized photo gifts (including photos and text) such as smartphone cases, photo books, wall art, and home decor. Through its Lifetouch division, it also provides portraiture services.
• Skillz is the world’s premier tournament platform where mobile gamers can use their skills to compete for cash and prizes. True to its name, Skillz does not host games of chance, and all winnings are based on your ability. Games include Solitaire Cube, Blackout Bingo, 21 Blitz, Texas Holdem and many more
• SoFi Invest allows users to buy and sell individual stocks as well as ETFs and select cryptocurrencies, offering innovative investment tools to help members get their money right at every stage of their financial lives.
• SoFi Money is an all-in-one product that is a hybrid checking and savings account. There are no account fees or minimum balance requirements, so you can bank freely. Pay no ATM fees at 55,000+ ATMs worldwide. Because SoFi Money is all online, you deposit checks from your phone and pay bills online. You can also use SoFi Money to transfer and receive money, like paying the babysitter or covering your share of dinner when the bill comes — All cash in your account earns 0.25% APY, which is quite high and even beats traditional banks’ high-yield savings accounts. No fees, and offers interest rate reduction.
• SoFi Personal Loan is a great option for borrowers who make a decent income and have good credit. There are no origination fees or late fees, and you won’t be penalized for paying your balance off early. They offer low rates, no fees, exclusive member benefits including access to career coaches and financial advisers, exclusive virtual events and more. Fixed personal loan rates range between 5.99% APR to 20.25% (with AutoPay).
• SoFi Student Loan Refinancing offers student loan refinancing and private student loans. Its refinancing loan is best for borrowers who want plenty of benefits with their refinanced student loan. Its private loan is best for flexible repayment options and no fees. You can see if you qualify with NO HARD credit check.
• Square is a popular service that allows you to buy, sell and send money using any Apple or Android mobile device. With three free mobile apps — Square Register, Square Wallet and Square Cash — Square is designed to help small businesses accept credit card payments and to help consumers transition to a cashless, cardless lifestyle.
• Stash aims to make the process of selecting stocks and ETFs quick and easy for beginners. Stash offers other account options, including brokerage and bank accounts, plus access to a Roth or traditional IRA retirement account.
• T-Mobile is one of the largest providers of wireless voice and data communications services in the US with more than 81 million customers. It has about 2,200 T-Mobile and MetroPCS branded retail sites (ranging from kiosks to stores).
• TopCashback is a competing cash-back web site that claims to offer higher cash back than some of the other larger sites. Rather than spend extra money on expensive commercials, TopCashBack uses the savings to provide consumers with higher cash-back payout rates.
• Uber is a rideshare company with an app that allows passengers to hail a ride and drivers to charge fares and get paid.
• Uber Driver - Turn your spare time into earnings with the Driver app - built with drivers, to bring you helpful information at your fingertips. Help as you move people and things where they need to go. Drive whenever you want — no offices, no bosses. Wherever you want to go, you can enjoy the journey and the destination. Requirements:
  • Meet the minimum age to drive in your city
  • Have at least one year of licensed driving experience in the US (3 years if you are under 23 years old)
  • Have a valid US driver’s license
  • Use an eligible 4-door vehicle
• Uber Eats is a food delivery platform that makes getting great food from your favorite local restaurants as easy as requesting a ride. Their app connects you with a broad range of local restaurants and food, so you can order from the full menus of your local favorites whenever you want.
• Uniqlo is a Japanese casual wear brand for women, men, kids & babies, operating in 20 different countries. Uniqlo is known for providing high-quality, private-label casual-wear at low prices.
• Venmo is a social payments service used by millions of people to make, receive and share payments with friends, family, and select approved businesses (without using cash or checks). It’s similar to PayPal, but is unique in that Venmo allows users to share and like payments and purchases through a social feed.
• Volcom is a lifestyle brand that designs, markets, and distributes boardsports-oriented products.
• Wayfair is an American e-commerce company that sells furniture and home-goods.
• Wish is a shopping app for iPhone and Android that lets you order cheap goods online with major savings. Most items ship straight from China, and a growing number ship from the U.S. for faster delivery. You can even pick up select items locally in minutes.
• Zogo is a FREE mobile app for kids and adults (age 13+) to learn financial literacy. Earn points towards gift cards to Amazon, Walmart, Starbucks and more by completing short, bite-sized modules. The many lessons include:
  • How to save money
  • Importance and best practices for a good credit score
  • How to minimize debt
  • How to successfully create and maintain a budget
  • Long-term investment strategies

Indyglo's Clicks For BeerMonday

These are 73 of my current sign-up bonuses, categorized by type. Alphabetized summaries also included. I am a consumer of each site/service I listed and appreciate any questions/feedback!

Auto/Travel

• Fuel Rewards - https://www.fuelrewards.com/fuelrewards/welcome.html?RefId=e9ac5597976f42e089c07adc1532ea51 - Gold Status and save 5 cents/gal when you sign up.
• Lyft - https://www.lyft.com/invite/RIDEONJJ - Varies by location ($5 in credits/first ride free/etc.)
• Miles - https://miles.app/ZD2ESE - Get $5 (2,000 Bonus Miles) when you download the app using my link or entering my code ZD2ESE.
• Uber - https://www.uber.com/invite/johnm120542ue - First ride free (may vary by location).

Banks/Finance

• Aspiration - https://my.aspiration.com/app/token/referral/AJFRATCE0M3GII6I - Get $50 cash when you join Aspiration - free bank account - and spend $250.
• Boeing Employees Credit Union (BECU) - [(U.S.) - WA, ID, OR ONLY] - We can both earn $100 when you join BECU and open a Member Share or Member Advantage savings and also a checking account.
  • You must use both these codes when signing up:
    • promo code: 100REF21
    • my unique referral code: 1412508
  • Sign up online, by phone - 206-439-5700 - or at a BECU Branch and keep acct. opened for 90 days.
  • You must perform 10 of the following transactions within the first 30 days of opening acct :
    • Make a purchase using your BECU debit or credit card (easy with grocery store self-checkout!)
    • Write a check or electronic check.
    • Make a payment using bill pay.
• Chase Bank - https://accounts.chase.com/raf/share/2735652016 - Get a $225 Bonus when you open a new Chase Total checking account.
• Privacy - https://privacy.com/join/H3S9S - $5 when you sign up using my referral link (Privacy lets you generate smart, virtual debit cards to use online).
• SoFi Money - https://www.sofi.com/invite/money?gcp=004af404-1a99-46b4-b486-44bce3a0ab1d - $50 plus cashback rewards when you sign up for a free account and fund it with $500 or more (no account fees and no ATM fees at 55,000 ATMs).
• SoFi Personal Loan - https://www.sofi.com/invite/personal-loans/?gcp=ffdeec67-6330-4093-831c-7f84dce20cf4 - You and I get $10 each when you check your SoFi Personal Loan rate, and there is NO hard credit pull for checking your rate. You and I get another $300 each when you fund your SoFi loan.
• SoFi Student Loan Refinancing - https://www.sofi.com/invite/student-loans/?gcp=6d9376c5-591a-439d-8bdb-c15da7d50852 - You and I get $10 each when you check your SoFi Student Loan Refinancing rate, and there is NO hard credit pull for checking your rate. You and I get another $300 each when you fund your student loan.
• Square - https://squareup.com/i/JOHNJJMEGO - Free processing of up to $1000 in sales.
• Venmo - https://get.venmo.com/ooGrFLhVjfb - Get $5 when you download the Venmo app using my referral link, sign up and make a $5 minimum payment to friends/family/etc. within 14 days.
• Zogo - https://zogo.app.link/OpvQLwDYodb - Earn 750 Pineapples on Zogo when you use my code: JOHNM711 when you make an account. With Zogo, you can earn gift cards while learning about various aspects of personal finance. I've personally learned quite a bit with this app, complete modules daily to learn more and have recommended this to all of my friends and family. Great for adults and kids.

Cash Back

• Befrugal - https://www.befrugal.com/rs/PKCSCTA/ - $10 sign-up bonus when you earn $10 cash back at any of 5,000+ stores.
• GivingAssistant - https://givingassistant.org/np?rid=J9dlDtoFa6 - Get $5 when you sign up.
• GoCashBack - https://www.gocashback.com/r/1834780 - Get $5 and 5% cash back bonus when you sign up.
• Honey - http://joinhoney.com/ref/x160d1v - Get $5 when you sign up using my referral link.
• Ibotta - https://ibotta.com/register?friend=ugqlqeg - Get $10 when you sign up using my referral link.
• iConsumer - https://www.iconsumer.com/C8Qm8J0 - 100 shares of iConsumer stock when you sign up (earn more every time you shop). Another 100 shares if you try out their browser extension.
• Lemoney - https://www.lemoney.com/i/johnmego?45764498ac93d54df29b4d50664d0d2e - Receive a turbo credit to increase your cashback rate on your first purchase.
• Mr. Rebates - http://www.mrrebates.com?refid=449275 - Get a $5 sign up bonus when you use my referral link.
• MyPoints - https://www.mypoints.com?rb=49534715 - $10 gift card of your choice when you use my referral link to sign up and spend $20 or more on any shop merchant through the MyPoints site/emails in your first 30 days.
• Rakuten - https://www.rakuten.com/r/MPHO202?eeid=28187 - Get $25 when you sign up using my referral link to create an account and make $25+ purchase through Rakuten. Note: better bonus now; it was previously $10 until 4/15.
• RebatesMe - https://www.rebatesme.com/r/mph6g471a5 - Get $30 when you sign up using my link. RebatesMe usually only offers $5, so now's a great time to sign up (through 4/30/21).
  • You can quickly reach the "earn $10" requirement by choosing a store with high cashback. For instance, Restaurant.com currently has 35% cashback rate. So, a $28.58 total purchase would earn you $10 cashback and the $30 bonus (plus, the value restaurant.com gift certificates you purchased).
• Swagbucks - https://www.swagbucks.com/profile/PMNSD - get $10 (1,000 SB) when you sign up. Best moneymaker I've found, making nearly $3,000 to date through their various cash-back promotions, surveys and opportunities!
• TopCashback - https://www.topcashback.com/ref/johnmego - Get $10 when you sign up using my referral link and reach a minimum cashback threshold of $10 cashback.

Credit Cards

• American Express - http://refer.amex.us/JOHNMJN7Q?XLINK=MYCP - Sign up using my referral and earn $300 back after you spend $3,000 in purchases on your new Blue Cash Preferred Card in your first 6 months of card membership. Plus, apply by 5/5/21 and earn up to $200 back on eligible purchases at select U.S. home furnishing stores (the following merchants will qualify: Anthropologie - Home & Furniture, Bed Bath & Beyond, CB2, Crate and Barrel, Crate and Kids, The Home Depot, Lowe’s, Terrain, and The Container Store.)
• Capital One Venture - https://capital.one/33F9Sar - Sign up using my referral link and get 60,000 rewards miles (worth $600 when you redeem for travel).
• Chase Sapphire Preferred - https://www.referyourchasecard.com/6a/G9GEBC0WCM - Earn a limited time offer of 80,000 bonus points after you spend $4,000 in the first three months your account is open. Plus, earn up to $50 in statement credits towards grocery store purchases within your first year after account opening.
• Discover IT - https://refer.discover.com/s/ssjqfl - Sign up using my referral and you'll get $50 back for signing up for a Discover IT credit card and making any $1 or more purchase within 3 months.
• SoFi Credit Card - https://www.sofi.com/invite/credit-card?gcp=70c8148e-bc31-480e-9a01-33b7ace2a1fb - Sign up using my referral and get 2x points (4% cash back) on all card purchases for 30 days.

Food/Drink/Nutrition

• Bright Cellars - https://www.brightcellars.com/?rn=JohnMegowan - $50 off your first box of wine when you sign up using my referral link.
• Doordash - https://www.doordash.com/consumer/referred/John-Megowan-5991/ - Get $10 off each of your first 3 DoorDash orders over $15 when you sign up using my referral.
• GNC - https://refer.gnc.com/mpho2002 - Get $10 off your first $75+ order.
• Grubhub - https://www.grubhub.com/referral/094dd810-bd50-11e8-ab87-c5056adfa1b1 - Get $10 off your first order.
• Home Chef - https://www.homechef.com/invite/johnm071 - $35 off your first delivery when you use my referral link.
• Instacart - https://inst.cr/t/N2k5dTA0c1RI (or use code JMEGOWAN16F173 when signing up) - $10 off your first order when you use my referral link or code. Groceries delivered in as little as 2 hours
• NatureBox - http://ref.naturebox.com/v/john_160 - 20% off your first order.
• Postmates - https://postmates.com/invite/JMEGOWAN - Up to $100 free delivery credit.
• Uber Eats - Get $20 off your first Uber Eats order of $25 or more. Use my code at checkout: eats-johnm172134ue (https://ubereats.app.link/PmWdhjSNxdb)
• Wine Insiders - http://fbuy.me/v/john_29144 - Use my referral link to get $25 off your first $50+ order.

Games

• Skillz - https://skillz.com/p/GYNX3/1E1 - Get $20 when you sign up and make your first deposit.

Investing

• Acorns - https://share.acorns.com/mpho2002 - Get $5 when you use my link to open an account and make an investment.
• eToro - https://etoro.tw/39w5dup Get $50 bonus when you open an account, transfer $100, make any crypto trade, and hold for one week.
• Sofi Invest - https://www.sofi.com/share/invest/2500097 - Get $50 worth of your favorite stock to start building your portfolio when you fund your SoFi Active Invest account with at least $5,000. Get an additional $25 worth of bitcoin for buying $10 worth of bitcoin on SoFi Crypto.
• Stash - https://get.stash.com/john_h88crts - Earn $20 of bonus stock when you join using my referral link and add cash to your personal investment or bank account.

Jobs

• Doordash Driver - https://drd.sh/Cw65V5/ Earn up to $25/hour and get a $150 bonus after 240 deliveries in 60 days when you sign up using my referral link (may vary by location).
• Instacart Shopper - https://shoppers.instacart.com/?referral=JMEGOWAN7410A - Use my referral link (you may also need to copy paste my code, JMEGOWAN7410A, when signing up). Get up to $300+ bonus depending on location.
• Uber Driver - https://partners.uber.com/i/JOHNM172134UE At least $1,200 guaranteed for your first 150 trips within 90 days of signing up to become an Uber driver (may vary by location).

Shopping

• American Eagle Outfitters/Aerie - https://www.talkable.com/x/s7Vj0G - Take an extra 20% off your first AE or Aerie purchase when you use my referral link.
• Blindsgalore - https://bit.ly/2NBkthz - 50% off your first order when you use my referral link or copy/paste my personal code: 2NBkthz
• Groupon - https://www.groupon.com/visitor_referral/h/b482a215-b6bc-43c9-bfa7-851ea67ca66c - $10 off your first $10+ purchase when you sign up with my referral link and place your first order within 72 hours.
• Houzz - https://houzz.com/referral/referee-coupon/UkVGMEQwMkEx - Use my referral link to get $100 off your first purchase.
• Humble Bundle - https://www.humblebundle.com/subscription?refc=mvSpWm - 40% off Choice Premium
• Plastic Place - http://plasticplace.refr.cc/save20 - Save 20% and free shipping when you use my link.
• Raise - https://geta.raise.com/JMEGOWAN6681 - Get $5 when you sign up using my referral link.
• Samsung - https://shopsamsung.page.link/NFVHAcm83Eyd15iW9 - Get 5% off your purchase when you use my referral link or use my invite/promo code ref-23ltlr
• Shutterfly - Use one of my three Shutterfly referral links to sign up and receive the gift/discount of your choice: 50% OFF Graduation Cards - https://invite-shutterfly.com/x/5PslXU . FREE Shutterfly Photo Book - https://invite-shutterfly.com/x/87oRFO . FREE Personalized Cotton Tote - https://invite-shutterfly.com/x/QXitGw
• Uniqlo - https://refer-us.uniqlo.com/s/John360 - $10 off $75+ purchase when you use my referral link.
• Volcom - http://rwrd.io/dhl47hd - $10 off $49+ purchase when you use my referral link.
• Wayfair - https://www.wayfair.com/registry/referral_invite?PROMO_CODE=1YQFCYF9E8Z7&refid=EML_38637 - Engaged couples: use my referral link to create a Wayfair Registry and you'll receive $50 (each) in Wayfair Rewards when you receive your first gift.
• Wish - Referral code 7vgzqzk - $5 off your purchase when you sign up and use my referral code.

Uncategorized

• 23andMe - https://refer.23andme.com/s/lhfeg - Minimum of 10% off your order when you use my referral link.
• Buy Me a Coffee - https://www.buymeacoffee.com/johnmego - You can set up an account and promote your ventures, connect with others, and even buy me a coffee!
• Comcast Xfinity - https://referafriend.xfinity.com/ShareTheAwesome/1RUVAR - Up to $100 when you sign up for one or more Xfinity services (TV/Internet/Home Security/Mobile)
• Dropbox - https://db.tt/pxongGTiwL - Join using my referral link and you'll receive an additional 500MB of storage.
• Duolingo Plus - https://invite.duolingo.com/BDHTZTB5CWWKSPXG5JZ4LUS4IQ - Get one week free when you use my referral link.
• Evernote Premium - https://www.evernote.com/referral/Registration.action?sig=164f7674ad363f6fbc0aeb7efbc6f3da05591e7f74884cb7621948af21623078&uid=191384629 - Free month when you use my referral link.
• Invitation.codes - https://invt.co/?invite=3dL2NnX9l - 20 coins when you sign up using my referral link (good towards premium account upgrade and benefits)
• T-Mobile - https://share.t-mobile.com/johnm-2570 - $50 referral bonus when you use my referral link. (Note: I don't know that this one has a sign-up bonus, or if it's just a bonus for the referrer).

About These Apps/Services/Sites:

• 23andMe offers two Personal Genetic Services: Health + Ancestry and Ancestry + Traits. Both services require submitting a saliva sample using their saliva collection kit that you send to the lab for analysis. 23andMe's Ancestry + Traits Service helps you understand who you are, where your DNA comes from and your family story.
• Acorns merges the robo-advisor model with an automated savings tool, making it easier to build a nest egg. Besides the $5 they give you for signing up, they'll put your money in investments automatically which increase daily, monthly, yearly. You don't need to do anything. Invest as little or as much as you want, and they will put you in a position where your investment will grow.
• American Eagle Outfitters is a leading global specialty retailer offering high-quality, on-trend clothing, accessories and personal care products at affordable prices under its American Eagle and Aerie brands. The American Eagle Outfitters brand is built on more than 40 years of customer focus, dedication and innovation.
• American Express is a lucrative cash-back card for several spending categories. Your first year of $95 annual fee is waived, and offers up to an industry leading 6% cash back for select U.S. restaurants, streaming subscriptions, supermarkets, transit, gas stations and more.
• Aspiration is an online financial institution offering a variety of accounts, with a focus on rewarding customers with cash back for purchases made from ethical companies. The money customers deposit through Aspiration is held at one of its partner banks, which offer FDIC insurance.
• Befrugal is run by a bunch of cheap, thrifty, penny pinchers who believe that a dollar saved is two dollars earned. Find tens of thousands of coupons, deals, promotional codes and earn cash back for more than 5,000 retailers, including big retailers like Amazon, Target, and Walmart.
• Blindsgalore is an online retailer of custom window coverings and was the first to do so. Wide variety of brands, styles and products. All products are custom built to exact specifications for a flawless fit and a designer look, without a designer price tag. Family owned and mother-daughter run in San Diego, California.
• Bright Cellars is a monthly subscription wine club that matches members with personalized selections. It is designed to help new wine drinkers discover and define their taste in wine. It aims to inspire and educate a new generation of wine lovers by delivering a transformative, personalized wine experience.
• Capital One is a credit card company offering many different types with a variety of cash back bonuses and other benefits.
• Chase Bank is the largest bank in the country and offers a robust menu of products and services. It provides mortgages, auto loans and one of the broadest selections of credit cards in the industry. And its website experience can compete with those at online-only banks that focus solely on checking and savings.
• Chase Sapphire Preferred is considered one of the best beginner travel credit cards and with good reason. For $95 annual fee, it's the perfect choice for someone looking to dip their toes into the world of points and miles. Benefits include getting 2x miles/points on travel and dining, an excellent sign-up bonus, primary rental car insurance, $0 foreign transaction fees, 1:1 point transfer to leading airline and hotel loyalty programs, and 25% or more value when redeemed for airfare/hotels/car rentals/cruises through Chase Ultimate Rewards.
• Comcast Xfinity is a consumer-facing internet and television brand. TV at home & on the go. Hulu on X1. Stream live sports. Advanced security. Move service stress-free. Millions of hotspots. Netflix on X1. Prime Video on X1. Services: Internet, TV, home security, mobile.
• Discover IT is a credit card company which offers a cash back match at the end of your first year (no maximum), with no annual fee, 0% intro APR on purchases and balance transfers. Earn 5% cash back on everyday purchases (places vary each quarter) when you activate.
• Doordash offers delivery & takeout from the best local restaurants. Breakfast, lunch, dinner and more, delivered safely to your door. Doordash offers pickup & no-contact delivery.
• Doordash Driver is a food delivery app. just like Grubhub, Ubereats and Postmates. It's another way for drivers to make extra money by picking up food in restaurants and delivering it to the doorsteps of customers. Besides the sign-up bonus and subsequent referral bonuses you can earn, DoorDash Driver offers peak times when you can earn extra money with each delivery, bonuses, etc.
• Dropbox is a cloud storage service that lets you save files online and sync them to your devices. You can use Dropbox links to share files and folders with other people without sending large attachments. Dropbox offers a free plan that includes 2GB of storage. You can pay to increase that to as much as 3TB with a subscription.
• Duolingo Plus - Duolingo is the most popular language-learning platform and the most downloaded education app in the world, with more than 300 million users. The company's mission is to make education free, fun, and accessible to all. Duolingo is designed to feel like a game and scientifically proven to be effective. Upgrading your free Duolingo account to Duolingo Plus gives you an ad-free experience. ability to download lessons in the app for offline use and unlimited skill test-outs.
• eToro is a multi-asset platform which offers both investing in stocks and cryptoassets, as well as trading CFD assets
• Evernote Premium - Evernote is an app that allows you to work from anywhere, stay in sync from any device, no matter where you are—you can even access notes when you have no WiFi or mobile data access. Evernote Premium, the top tier, adds the most features, such as the ability to search for text in Office documents and PDFs, annotate PDFs, scan business cards and suggested notes and content from the web that are relevant to the note you're currently working on.
• Fuel Rewards is a loyalty program that helps you save money on gas when you dine at participating restaurants and shop at participating grocers, local, and online merchants. Save at least 5¢/gal on every fill-up with Gold Status at Shell, and save more when you combine with other rewards (see https://www.fuelrewards.com/fuelrewards/how.html).
• GivingAssistant is a company that gives you cash back and coupon codes when shopping via their online portal. When you purchase a product via the cash-back platform, the merchant pays a commission to Giving Assistant. Then, 50% of the commission is paid back to the customer (you) as an incentive. You can choose the nonprofit and also adjust the percentage they receive.
• GNC is the largest global specialty retailer of nutritional products, including vitamin, mineral, herbal and other specialty supplements and sports nutrition, diet and energy products.
• GoCashBack is a cash-back website allowing you to get up to 31% cash back at your favorite stores. Find cash back and browse coupon codes to save even more money at over 1,500 retailers. Use the GoCashBack app to check your cash-back status from anywhere and click through while on the go to save when you shop from your phone. You can even get cash back when you dine out locally or at special events.
• Groupon, whose name combines "group" and "coupon", is a website and mobile app that offers coupons, cashback on purchases and group deals to consumers. Restaurants, retailers, and manufacturers use Groupon deals in an effort to lure customers into their establishments or to purchase their products.
• Grubhub partners with restaurants in your area to offer delivery for ones that don't normally deliver, while also offering a convenient online ordering system for the ones that do. Everything is handled through Grubhub, giving customers the flexibility to sign into one place and order nearly anything.
• Home Chef is a weekly subscription meal kit service. Customers receive orders with all the fresh ingredients you need to make restaurant quality recipes, designed by Home Chef chefs. Home Chef saves you the time of going to the grocery store, finding new recipes, meal planning, and portioning.
• Honey is a browser extension that automatically finds and applies coupon codes at checkout with a single click. Honey supports over 30,000 stores globally
• Houzz is an online platform for home remodeling, architecture, interior design, decorating, landscaping, and home improvement.
• Humble Bundle sells games, ebooks, software, and other digital content. Their mission is to support charity while providing awesome content to customers at great prices. Humble Bundle launched in 2010 with a single two-week Humble Indie Bundle, and are now an online store full of games and bundles, a subscription service, a game publisher, and more. To date, they've contributed over $195,000,000 to causes all over the world.
• Ibotta is a free cash-back rewards and payments app that gives you real cash for everyday purchases when you shop and pay through the app. Ibotta provides thousands of ways for consumers to earn cash on their purchases by partnering with more than 1,500 brands and retailers.
• iConsumer is a website that offers cash back, deal coupons, savings, and crowd funded ownership with online purchases.
• Instacart lets you shop from local grocery stores online, then sends a “personal shopper” to fulfill and deliver your order to you the same day (or a future date/time of your choosing). Unlike other grocery delivery services, the company doesn't stockpile fresh produce in a massive warehouse.
• Instacart Shopper - Earn extra money shopping for others. As a shopper, you go to the grocery store like normal, except you’re getting paid to shop for others. Work whenever it works for you. With no set hours or days, you can shop as much or as little as you want, anytime you want. Must be age 18+ and be able to lift 40lbs.
• Invitation.Codes is a site/app where you can sign up for free and post your referral links/codes for all of the most up to date promotions that are out there at the moment. There's a great community vibe to it and it's a great way to meet other like-minds while learning about new products and signup/referral offers.
• Lemoney is a cash-back site with 1800+ stores. Find the best deals, coupons, cash-back rates, promo codes, sales, and discounts at Lemoney. Shop with Turbo Cashback and boost your cash-back rate.
• Lyft is a rideshare service that lets you call a driver and car to your location using the Lyft app who will drive you where you need to go.
• Miles is a rewards app empowering anyone to earn miles automatically for all modes of transportation. The Miles app rewards you with miles - their version of points - for no matter how you get from point A to point B (whether you drive, walk, bike, ride the train). Redeem the miles you’ve earned for rewards, discounts, and deals from brands such as Amazon, Chewy, DoorDash, HP, Reebok, Home Chef and more.
• Mr. Rebates is a shopping portal where you can do online shopping at online stores you love, and earn cash-back rebates on your purchases. They have an A+ rating from the BBB (Better Business Bureau), and you can earn as much as 30% back.
• MyPoints is a daily rewards program – just like when you earn miles on an airline or cash back on a credit card. Flexible, you don’t have to stick with one store to earn Points, and you don’t have to take your rewards in just one form. They have many partners that our members can shop with and redeem from. You can also earn points by completing surveys, watching videos and more.
• NatureBox is a snack subscription focused on providing healthier options to reduce stress and promote wellness. Their snacks are unique, delicious, and guilt-free. No artificial flavors, colors or sweeteners. No corn syrup of any kind. No hydrogenated oils. No MSG. Some newer offerings include a Wellness Collection of snacks containing adaptogens in their ingredients list, CBD Snacks infused with hemp, supplements, and coffee.
• Plastic Place sells premium trash bags for all your personal and professional needs at a fraction of the price of SimpleHuman and other competitors.
• Postmates is an on-demand goods delivery platform having a presence in more than 100 metropolitan areas in the US that enables people to get anything from local restaurants and stores delivered at their doorstep for a small fee. Postmates delivers goods with the help of their human courier networks which enables people to order anything from anywhere within the city.
• Privacy.com is an innovative way to protect your personal information over the internet. Are you feeling uncomfortable using your credit card online? Privacy.com has the perfect solution - it creates a virtual card that masks your bank statements for your online payments.
• Raise is a money-saving website aimed at helping people buy and sell discounted gift cards.
• Rakuten gets a commission from stores when you make a purchase, and shares it with you. Find the store on rakuten.com, click “Shop Now” and shop like normal on the store site. After you make an eligible purchase, you’ll earn cash back and get a check or PayPal payment every quarter.
• RebatesMe makes it easy to save at the stores you love. Earn cash back while shopping online, get access to thousands of coupons, and get the best price on millions of products.
• Samsung is one of the world's largest producers of electronic devices. specializing in the production of appliances, digital media devices, semiconductors, memory chips, and integrated systems.
• Shutterfly enables users to create personalized photo gifts (including photos and text) such as smartphone cases, photo books, wall art, and home decor. Through its Lifetouch division, it also provides portraiture services.
• Skillz is the world’s premier tournament platform where mobile gamers can use their skills to compete for cash and prizes. True to its name, Skillz does not host games of chance, and all winnings are based on your ability. Games include Solitaire Cube, Blackout Bingo, 21 Blitz, Texas Holdem and many more.
• SoFi Credit Card is a credit card which be used everywhere Mastercard is accepted. Members earn 2 rewards points for every dollar spent on eligible purchases. Make 12 on-time payments, and APR is lowered by 1%. No Annual fees.
• SoFi Invest allows users to buy and sell individual stocks as well as ETFs and select cryptocurrencies, offering innovative investment tools to help members get their money right at every stage of their financial lives.
• SoFi Money is an all-in-one product that is a hybrid checking and savings account. There are no account fees or minimum balance requirements, so you can bank freely. Pay no ATM fees at 55,000+ ATMs worldwide. Because SoFi Money is all online, you deposit checks from your phone and pay bills online. You can also use SoFi Money to transfer and receive money, like paying the babysitter or covering your share of dinner when the bill comes — All cash in your account earns 0.25% APY, which is quite high and even beats traditional banks’ high-yield savings accounts. No fees, and offers interest rate reduction.
• SoFi Personal Loan is a great option for borrowers who make a decent income and have good credit. There are no origination fees or late fees, and you won’t be penalized for paying your balance off early. They offer low rates, no fees, exclusive member benefits including access to career coaches and financial advisers, exclusive virtual events and more. Fixed personal loan rates range between 5.99% APR to 20.25% (with AutoPay).
• SoFi Student Loan Refinancing offers student loan refinancing and private student loans. Its refinancing loan is best for borrowers who want plenty of benefits with their refinanced student loan. Its private loan is best for flexible repayment options and no fees. You can see if you qualify with NO HARD credit check.
• Square is a popular service that allows you to buy, sell and send money using any Apple or Android mobile device. With three free mobile apps — Square Register, Square Wallet and Square Cash — Square is designed to help small businesses accept credit card payments and to help consumers transition to a cashless, cardless lifestyle.
• Stash aims to make the process of selecting stocks and ETFs quick and easy for beginners. Stash offers other account options, including brokerage and bank accounts, plus access to a Roth or traditional IRA retirement account.
• Swagbucks is a popular rewards program that gives you free gift cards and cash for the everyday things you already do online. Earn points when you shop at your favorite retailers, watch entertaining videos, search the web, answer surveys and find great deals.
• T-Mobile is one of the largest providers of wireless voice and data communications services in the US with more than 81 million customers. It has about 2,200 T-Mobile and MetroPCS branded retail sites (ranging from kiosks to stores).
• TopCashback is a competing cash-back web site that claims to offer higher cash back than some of the other larger sites. Rather than spend extra money on expensive commercials, TopCashBack uses the savings to provide consumers with higher cash-back payout rates.
• Uber is a rideshare company with an app that allows passengers to hail a ride and drivers to charge fares and get paid.
• Uber Driver - Turn your spare time into earnings with the Driver app - built with drivers, to bring you helpful information at your fingertips. Help as you move people and things where they need to go. Drive whenever you want — no offices, no bosses. Wherever you want to go, you can enjoy the journey and the destination. Requirements:
  • Meet the minimum age to drive in your city
  • Have at least one year of licensed driving experience in the US (3 years if you are under 23 years old)
  • Have a valid US driver’s license
  • Use an eligible 4-door vehicle
• Uber Eats is a food delivery platform that makes getting great food from your favorite local restaurants as easy as requesting a ride. Their app connects you with a broad range of local restaurants and food, so you can order from the full menus of your local favorites whenever you want.
• Uniqlo is a Japanese casual wear brand for women, men, kids & babies, operating in 20 different countries. Uniqlo is known for providing high-quality, private-label casual-wear at low prices.
• Venmo is a social payments service used by millions of people to make, receive and share payments with friends, family, and select approved businesses (without using cash or checks). It’s similar to PayPal, but is unique in that Venmo allows users to share and like payments and purchases through a social feed.
• Volcom is a lifestyle brand that designs, markets, and distributes boardsports-oriented products.
• Wayfair is an American e-commerce company that sells furniture and home-goods.
• Wine Insiders is both a wine subscription club and delivery service where you can either order individual wine bottles or gifts, or you can sign up for a membership. Wine is sourced both nationally and internationally, with home delivery to most locations. Wine Insiders is an alternative to a grocery/wine specialty store offering wine at affordable prices without hidden/extra fees.
• Wish is a shopping app for iPhone and Android that lets you order cheap goods online with major savings. Most items ship straight from China, and a growing number ship from the U.S. for faster delivery. You can even pick up select items locally in minutes.
• Zogo is a FREE mobile app for kids and adults (age 13+) to learn financial literacy. Earn points towards gift cards to Amazon, Walmart, Starbucks and more by completing short, bite-sized modules. The many lessons include:
  • How to save money
  • Importance and best practices for a good credit score
  • How to minimize debt
  • How to successfully create and maintain a budget
  • Long-term investment strategies

Berry coin event (x-post from /r/Bitcoin)

https://www.reddit.com/r/Bitcoin/comments/mz0r0t/berry_coin_event/

Apr 19 - 26 Good Crypto Weekly Market Summary

Quick weekly news:

• Turkey detains 62 people in cryptocurrency trading firm probe - media: Read more here.
• PancakeSwap Widens Binance Smart Chain’s Lead Over Ethereum on Transactions: Read more here.
• Mastercard-powered NFTs will help consumers offset carbon ‘down to a cup of coffee’: Read more here.

Other notable events include:

- Bitcoin price crashed below $50K

- Ethereum ETFs get off to $138M

Bitcoin

Bitcoin’s price has dropped to $48,000. This is the first time the cryptocurrency has fallen below $50,000 since March 7, 2021.

One of the reasons why Bitcoin’s price may have seen a downturn is growing fears surrounding a capital gains tax hike in the US. Under US tax law, selling cryptocurrency triggers a “taxable event,” and US taxpayers must pay tax on any profits or losses; the taxes, higher for short term holders, affect day traders more.

Ethereum ETFs

Ethereum exchange-traded funds (ETFs) began trading last week—and got off to an explosive start. All in all, the trio of Canadian ETFs have racked up $138 million in trading volume.

The Ethereum ETFs, run by Purpose Investments, Evolve ETFs, and CI Global Asset Management, started trading on Toronto’s stock exchange (TSX) on April, 20.The ETFs are products that allow investors to buy shares that represent the second biggest cryptocurrency by market cap, Ethereum. Investors can trade them continually throughout the day but don’t have to worry about the tricky stuff that comes with holding crypto, like storage.

Also, be sure to check out top altcoin gainers and losers of the week ⬇️

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https://preview.redd.it/iesqraznijv61.jpg?width=1200&format=pjpg&auto=webp&s=d7f7c27ba4699feb06f67810f9367ee122f1ec13

US Mephisto Mondays Mega Thread April 26th

Use this thread for questions, comments, issues, shit posts, and anything else drop related. Please read the FAQ if you are new here. Be civilized you filthy animals.

All low effort posts on r/MephHeads will be removed.

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PSA - The V2 Starter Pack is intended for new customers or someone who hasn't gotten an order in recently. If you already purchased a V2 then please refrain from buying another one, you are likely to get the same seeds as your first purchase.

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April 26th - 10:00AM Mountain Time

Starter Pack V2 - 118$ - The Mephisto Starter Pack is your Fast Pass to get on the Mephisto train. We put together a variety pack to simplify your order experience. Feeling indecisive? Let the Mephisto staff curate the perfect mix of strains for you.

• 3 Pack Artisinal
• 3 Pack Reserva
• 5 Pack Illuminauto

2019 Artisinal Release Bundle - 176$ - For the first time since 2019, all four strains of this legendary release are available again. Don't miss this opportunity to snag the 2019 Artisanal release that featured some heavy hitting sativa strains.

• 3 Pack Mango Smile
• 3 Pack HubbabubbaHaze
• 3 Pack Super Orange Haze
• 3 Pack Pink Panama

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Tuesday May 4th

• Wookie Special Release (Limited)
• Skywalker
• Grape Walker Kush

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May 10th

• Sticker and Merch Release

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Terms and Conditions Mephisto Mondays

Please be aware that postal services are still  is experiencing  shipping delays.  For this reason, we have decided to limit the amount of orders we take through the store.

Our hope is that this will allow us to process orders in a timely manner, but also have the bandwidth to follow up with customer service issues that could result from extended shipping delays.

The store will close when we hit our order limit, this does not mean all items are sold out. We expect to hit this limit in the first few hours of store opening, so be sure to place your order as quickly as possible.

1. The payment methods available for this event are limited to Debit/CC and Bitcoin. Info about payment methods - https://www.mephistogenetics.com/info/payments
2. Please allow 10 BUSINESS days for your order to process and ship. An order status of processing means your payment has been approved and is awaiting shipment. You will receive a tracking email once your order has shipped.
3. Orders are processed on a first come, first served basis, first paid first shipped basis.
4. Please take care when placing your order, we are not able to add on/remove items or make other changes to your order. All sales are FINAL.