Tuesday, May 11, 2021

Indyglo's Hush...Hush, Sweet 65 Signup Bonuses

Below are 65 of my sweet referralcodes for cashback bonuses and discounts, categorized by type, followed by brief company summaries. I'd greatly appreciate if you use my links below if you decide to get in on any of these bonuses.

Auto/Travel

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). Additional bonus if you sign up for direct deposit.
  • 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/tgkzVpRi3fb - 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

Credit Cards

  • American Express - http://refer.amex.us/JOHNMXbYN?XLINK=MYCP - Sign up using my referral and earn $150 back after you spend $3,000 in purchases on your new Blue Cash Preferred Card in your first 6 months of card membership. Plus, earn 20% back on purchases at Amazon.com on the card in the first 6 months, up to $200 back.
  • Capital One Venture - https://capital.one/33F9Sar - Sign up using my referral link and get 100,000 bonus miles (worth $1,000 when you redeem for travel) when you spend $20,000 on purchases in the 12 months from account opening, or earn 50,000 miles if you spend $3,000 on purchases in the first 3 months (worth $500 when you redeem for travel).
  • 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/Nutrition

Games

Investing

  • Acorns - https://share.acorns.com/mpho2002 - Get $10 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

Shopping

Uncategorized

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 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.
  • Boeing Employees Credit Union (BECU) is Washington's largest member-owned, not-for-profit credit union. BECU puts the interest of its members ahead of profit, offering its members free checking, no maintenance fees and no minimum balance requirements. BECU offers business services, personal checking and savings accounts, IRAs, mortgage and home equity loans, personal loans, vehicle loans, online banking and more. BECU is a Federally Insured State Chartered Credit Union with 42 branches, headquartered in Tukwila, WA.
  • 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.
  • 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.
  • 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).
  • Full Circle - Farming organically since 1996, Full Circle delivers the season's best produce and wholesome farm products conveniently to your door when you live in Washington, Oregon, Idaho and Alaska. Each delivery includes the option to edit/customize your box online and comes hand-packed with 100% certified-organic produce, news from your farmer, recipes, produce tips and details on upcoming farm events. Adding artisan farm products to your produce deliveries is optional. Full Circle makes it simple to live the good life.
  • 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.
  • Swagbucks LIVE is a daily live trivia game show where you test your knowledge to win huge cash prizes.
  • 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 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

Thanks for checking out this post! These referrals - and more - are also available on my profile page at https://invitation.codes/@johnmego. And if you want to share your referral codes there, please use my referral link to sign up: https://invt.co/?invite=3dL2NnX9l


imagine you can get a coin called bitcoin from random events and when you have a certain amount like 10 bitcoins or something you can buy the pepe crown or the pepe trophy but those bitcoins are kinda rare

😩


Provide liquidity to help Bingus float

This is a keen request to the Bingus community

This is not financial advice. This is purely educational. I am a professional academic. Welcome to school with Dr Jamie.

What is liquidity

Liquidity is the ability to buy and sell an asset without affecting the price. On a decentralized exchange (DEX) like Apeswap or Pancakeswap, this means having a large amount of Bingus in the liquidity pool so that when one Bingus is removed or added, it is barely noticeable.

A centralized exchange (CEX) like Binance has huge trading volume (buys and sells), and so they do not suffer with liquidity issues. Though they would if everyone tried to withdraw from the exchange. I wonder what would happen if everyone tried to withdraw..?

Let us discuss the problem

Bingus is a community coin. There is no reserve Bingus held in a secret place to for later, it is all out there in private hands. So when someone wants to buy, it must come from liquidity. At the moment, the only non-custodial Bingus is the initial amount sent to be locked into Pancakeswap, though this is slowly being bought up by the community.

OK, envisage the time when every single Bingus is owned by someone. What now happens if none of us will sell and there is no Bingus left to go around..? “It will moon! Supply and demand, we all know how it is…” or you might think… WRONG. It will die!. We are not some tangible asset offering a use-case with enough renown to survive such market illiquidity, like property, for example. If someone cannot buy Bingus, they are unlikely to start offering higher and higher prices because the market is illiquid (e.g. no buys/sells). Besides, who could they even buy from? When a crypto gets to the stage where a sell is required to make a purchase, and there is not a monstrous demand (like there is for Bitcoin, for example), then that crypto becomes dead ass a dead asset.

“OMG Jamie, what are you saying, will Bingus die!?” GET OUT OF HERE WITH YOUR PAPER HANDS. OF COURSE IT WON’T DIE. This is because there are perfectly amazing mechanisms to help Bingus by becoming Liquidity Providers (LP). Yaay!

Bingus needs liquidity provers. LPs will only come from the community (and also from those highly intelligent beings who know how to make money but don’t care which coin does it for them). Without LPs, Bingus will suffer; without LPs, ANY coin would suffer. Why? Because when a whales dumps on a coin, if the liquidity pool is too small, that coin would become worthless. This is also true for when whales buy, however, we have already discussed what happens if all the Bingus is gone. Sure it will moon, but paper profits mean nothing until it is in your hand, and an as soon as you try sell into a pool with no Bingus, you will find you cannot get any of those profits out.

BINGUS NEEDS YOU

Ok. so you are convinced that this is important. Good. It is.

Providing liquidity keeps a project healthy. But what does it mean to provide liquidity? Let me explain what a “coin-pair” is. A coin pair is what you trade on a DEX or CEX, BINGUS has a BNB coin pair, meaning only BNB is sold to buy BINGUS, vice versa. Even if you went on Apeswap and paid in CUMROCKET for your BINGUS (smart move), the transaction behind the scenes goes CUMROCKET->BNB->BINGUS. That final trade is executed on the BNB-BINGUS coin pair.

What is providing liquidity

I will get into why you would add liquidity beyond helping the coin for here wanting to ride Bingus to the moon (nothing wrong with that), but first, let us clarify how it works.

To provide liquidity, you must add to the BNB-BINGUS coin pair pool. This means adding equal parts of BNB and BINGUS in dollar value.

Right now, 1 BNB = 55512100 BINGUS = $670. So to add LP here, you would have to deposit both 1 BNB AND 55512100 Bingus (e.g. $670 x 2 = $1340 worth). You can add less. You can add more. When you deposit your BNB-BINGUS pair, you are given a “receipt” called a LP Token. For Apeswap, this has the catchy name of BNB-BINGUS APE LP token. These tokens entitle you to a percentage of the pool. When you cash in your LP token, you withdraw that percentage of the pool. The pool BNB:BINGUS ratio can and will change.

That’s it. Liquidity added (I will get onto the “how to” later).

So what happens with your tokens now? Well, they are used to facilitate buys and sells of Bingus. When the BNB-BINGUS coin-pair ratio is 1:55512100, your coins stay exactly the same when you withdraw. However, if someone sells Bingus, there would be more Bingus in the pool, and less BNB (because someone deposited Bingus and withdrew BNB during the transaction). This also means the BNB went up in value and the Bingus went down in value. If you were to cash in your LP token now, you get the same percentage as you deposited, only this time, because the ratio of BNB-BINGUS has changed, you receive different amounts of tokens.

Impermanent loss (IL) is the opportunity cost difference between (i) the value if you had just HODL your tokens, and (ii) the new value of your tokens due to changes in the ratio. IL is more severe as one token changes value faster than the other. If this is still confusing, get on the Binance academy and do some watching until it makes sense. This one of the major risks of providing liquidity. Thankfully, there are yield farms, and these adequately make up for the loss, and then some. As a thank you for providing liquidity, a small proportion of every transaction is paid to the LPs.

I am telling you that you will lose money to impermanent loss for providing liquidity for BNB-BINGUS on Apeswap. I am also telling you that you will make money from transaction fees and yield farming on TakoDefi. I am also, also telling you that by not providing LP, Bingus’ survival as a project becomes more and more compromised. We need everyone to do this act of generosity so that the token thrives and animals survive.

The benefits of providing liquidity

There are two reasons.

First and foremost, it helps the project you love survive. If the project survives, Bingus will go up in value.

Second, and also basically foremost, you can earn decent money doing it! By putting your APE LP tokens into the yield farm on TakoDefi, you get paid anywhere from 250+% a year, paid out in Tako, their native token (which you can sell for cash, or Bingus, or stake further to compound your earnings!).

The yield farm pays out a consistent percentage in Tako, proportional to the value of your LP. The reward reduces as more and more people join the LP.

The Tako pool also pays out a consistent percentage in Tako, proportional to the amount of Tako in the pool. There are aslo Bermudas (similar to a pool, but more complicated and decent reward. These are one off events though).

So let us take an example * You deposit $200 worth of BNB-BINGUS and receive your LP tokens. * You take the LP tokens and deposit into the TakoDefi BNB-BINGUS LP farm, offering 300% APR (a 3% tax is applied to deposit this, so $194 goes in). * Each day, you will receive 300% / 365 days = 0.82%, every day. This is $1.60 in Tako. * At the end of the month, you have around $50. This scales proportionally with the deposited amount, so $1000 would give you $250 each month in Tako (assuming constant APR). * But the gains don’t stop there. There is a Tako pool. A pool is just conventional staking where you deposit only Tako and earn Tako at a rate of around 200-300% APR. * When your Tako from the farm has reached >$20, it is time to harvest it. - It costs about $1.20 to remove it, so don’t do it earlier than $20 else you really reduce your gains. * Deposit the Tako into the Tako pool. Your $20 will earn 250% / 365 days = 0.69% (nice) daily, which is $4.20 a month (double nice). - This sounds small. But this is ONLY the beginning. Because the next $20 from the LP that you deposit, you are at $8.20 a month etc.

Let us look at a simple example where we have constant APR and only harvest at the end of the month. We have our $50 a month from $200 invested. We then put the profits from LP farm into the Tako pool. The Tako pool is then compounded monthly.

Month Earned from LP farm (300%) Value of Tako in the pool Earned from Tako pool (250%)
1 $50 $0 $0
2 $50 $50 $10.42
3 $50 $110.42 $23.00
4 $50 $183.42 $38.21
5 $50 $271.63 $56.89
6 $50 $378.22 $78.80
7 $50 $507.02 $105.63
8 $50 $662.65 $138.05
9 $50 $850.70 $177.23
10 $50 $1,077.93 $224.57
11 $50 $1,352.50 $281.77
12 $50 $1,684.27 $350.89

So at the end of the year, there would be $50 + $1,684.27 + $350.89 = $2,085.16. Not bad for your $200.

Now let me be clear. This is a sub-optimal strategy.

The best gains come from harvesting and compounding every time there is $20-30 dollars. Also Tako could boom. Double nice. You could lose 25% of your $200 to IL, but you still made a 10x by being diligent and consistent with your farms.

I personally have 66% of all my Bingus inside the LP yield farm. When Bingus booms, the IL will be high. BUT, I am making around $6 an hour. Every hour. That is a cool $4,380 a month, and it compounds! YOU’RE GOD DAMN RIGHT ITS AMAZING.

I only put 66% in because I want a 33% HODL bag, AND THERE IS NOTHING WRONG WITH THAT. Don’t yeet it all in. Besides, it has risks. TakoDefi could be hacked… But also so can Trustwallet or Binance.

Now go out, help Bingus, and make them gainz.

How to gainz

  1. Through your wallet DApp, navigate to Apeswap>Trade>Liquidity and deposit equal amounts of BNB and BINGUS.

    • For the love of god, save some BNB for gas, I always keep $20 in reserve.
  2. You now have LP tokens. They won’t auto show in your wallet, but who cares. They aren’t living in your wallet. Take those LP tokens to takodefi.com/farms through your wallet DApp.

  3. Deposit those LP tokens into the farm and relax. Tako will slowly start to rain.

  4. When $20+ has accrued. Harvest. Tako is now in your wallet (use Tako contract address to manually add, if you wanna see them in the wallet)

  5. Go to Takodefi.com/pools through your wallet dapp. Deposit your Tako into the pool.

  6. If the Tako pool ever has $20 in, compound (this automatically adds the farmed Tako to the Tako pool).

  7. Repeat steps 4, 5, 6 until you’re rich.

  8. Removing LP, follow steps 1-3 in reverse.

thanks for coming to my ted talk


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Cardano Rumor Rundown MAY 11 2021

Hey Everyone!

Let's go....

Newly covered today:

  1. ADA is the most crypto of all cryptos. George of CryptosRUs pointed out in a recent video that he couldn’t find any trace of a VC firm owning Cardano in its portfolio in his search of the categories section on CMC. This makes sense if you know Cardano. Would freedom and decentralization loving Satoshi not throw up a little in his mouth to find out that VC ownership of cryptos was a metric people would care about in 2021? The lack of VC stake in the very decentralized and freedom loving Cardano only adds to our already iron-clad claim on the mantle of the most crypto of all crypto projects. Our ecosystem never sought to attract VC money that would only centralize ownership in a smaller number of hands. This doesn’t even address the current extreme centralization of block validation in BTC and ETH. https://coinmarketcap.com/cryptocurrency-category/ https://etherscan.io/stat/miner?range=7&blocktype=blocks https://www.blockchain.com/charts/pools
  2. IOHK has dropped a new article on the status of KEVM and IELE. Grigori Rosu of Runtime Verification says a proof-of-concept of IELE should be ready in six months. This is a key component in how we get to the ocean of all developers as we grow beyond the pond. https://iohk.io/en/blog/posts/2021/05/10/runtime-verification-iele-from-interoperability-to-universality/

Most recently covered items:

  1. IOHK drops a good summary of the Alonzo Smart Contract timeline. https://iohk.io/en/blog/posts/2021/04/08/smart-contracts-%E2%80%93-here-we-come/
  2. You can now buy Cardano Estates wine with ADA. This is not a novelty crypto wine. This is legit wine. https://twitter.com/Jack22220741/status/1380603834947485700
  3. Cardano gets a little coverage on nasdaq.com. https://www.nasdaq.com/articles/cardano-is-worth-considering-for-its-utility-and-strong-leadership-2021-04-07
  4. The Cardano native token space continues to flourish. https://twitter.com/matiwinnetou/status/1380600524853108738
  5. Dewayne Cameron was on Cardano Live. Whether you are interested in DeFi or not, this is likely to be one of the big early Cardano based projects. This interview has all the latest info on Liqwid. Sounds like the alpha testnet will be end of April/early May with three or four core contracts. Rick does a really good job of asking questions that a large spectrum of listeners will be able to relate to and they get into the details of how the contracts will work. At 20:01 Dewayne mentions a “Cardano Dex, or the Dex that IOHK and Emurgo are working on...” Very interesting tidbit there! https://youtu.be/JhO5iC08xSA
  6. The Plutus Pioneer program has been open sourced! Lecture #1 has an extremely good explanation of why the EUTxO model in Cardano is so much more conducive to security and much greater predictability than the account balance model in Ethereum. https://github.com/input-output-hk/plutus-pioneer-program
  7. There is now a website that will mint Cardano NFTs for you. Thanks to Cardano subreddit user Padierfind. https://www.nft-maker.io/
  8. Yesterday was “Get ADA Day” with the end of Epoch 258. I hope everyone did well in their staking.
  9. Here’s a great way to visualize token minting and other on-chain activities thanks to Smaug Stake Pool. https://pool.pm/
  10. It looks like the automated NFT maker covered yesterday, nft-maker.io, actually charges 10 ADA per NFT. Just an update on the price there since it was unknown yesterday.
  11. The Cardano tattoo phenomenon continues. This time, we even have one that actually features a depiction of the namesake. https://twitter.com/jp_tattooist/status/1381236949567086592 https://twitter.com/jp_tattooist/status/1381351429554724875
  12. Ethiopian Prime Minister Abiy Ahmed outlines how he will liberalize the telecom industry in his country and lays out his four pillars of “Digital Ethiopia 2025”: digital ID, interoperable payment platforms, e-government applications, and e-commerce. https://telecomreviewafrica.com/index.php/en/articles/exclusive-interviews/2240-liberalization-of-telecoms-in-ethiopia
  13. Beta version of the Emurgo dApp Connector (a Metamask Killer) is out! As planned, it runs on Ergo for now but Cardano later. https://twitter.com/emurgo_io/status/1381675733605474307
  14. Charles did a quick but very interesting interview with Alessandro Konrad, co-founder of SpaceBudz. https://www.youtube.com/watch?v=IxlL3RA3UyI
  15. Emurgo Traceability Solution being used to track coffee from Indonesia to China. https://twitter.com/emurgo_io/status/1381617916018319363
  16. New IOHK blog post on Plutus from Lars. https://iohk.io/en/blog/posts/2021/04/13/plutus-what-you-need-to-know/
  17. Occam.fi partners with Bitcoin.com as custodian to create an ETH-ADA bridge. According to the article, this will allow for any Cardano native token to seamlessly switch to an ERC-20 token and vice versa. The vice versa part is what the ERC-20 Converter does for us already right? https://cointelegraph.com/press-releases/bitcoincom-to-accommodate-occams-ethereum-to-cardano-cross-chain-bridge
  18. LunarCrush interviewed Charles and he gave us some more details on the Ethiopia deal and Africa: 1) the IOHK office in Ethiopia is merging with the Singularity Net Office (it’ll be 30-50 people...so pretty large presence); 2) Africa special to be announced very soon; 3) they will be doing fintech & govtech, 4) everything on the governance side is going to be upgraded across a wide swathe of African nation states in next ten years, 5) lots of possible use cases including supply chains in agritech, putting land on a ledger, voting, identity, reputation (i.e. credit), & payment systems; 6) Africa is like investing in China in the 1980s; 7) the demographics of Africa make it a really easy call to direct investment there; 8) charles said “Ethiopia, in particular, is very special to us and WE HAVE ACTUALLY CLOSED SOME DEALS...we’ll talk about those at the Africa Special”; 9) there will be security token plays in Africa in the mid 2020s since there are no stock exchanges; and 10) there is a big unannounced partnership called “the DCF” with a brand name consultancy we will recognize. Here’s the LunarCrush interview. All queued up to the exact spot for the Africa discussion--https://youtu.be/GWpqNPdOf9E?t=3804
  19. Occam has announced that the Occam Razer IDO (Initial Dex Offering) is completed and that it sold out in 30 seconds. There was no lack of criticism for the way in which the IDO was carried out. https://twitter.com/OccamFi/status/1382377423757570052 https://twitter.com/DCdoso/status/1382406641404977157
  20. Cardano and Ergo got some positive coverage in CoinTelegraph. https://cointelegraph.com/news/life-beyond-ethereum-what-layer-one-blockchains-are-bringing-to-defi/amp
  21. Thought: the crypto knowledge stack as to adoption is really tripartite: 1) technical, 2) crypto sentiment, & 3) legacy sentiment toward crypto (including financial sector, central banks, regulatory, and general public).
  22. The Cardano Foundation drops the Native Token Registry! https://twitter.com/CardanoStiftung/status/1382700374755323916
  23. Heavy criticism of the Occam Razer IDO continues. https://twitter.com/DCdoso/status/1382464770398371842 https://twitter.com/RichardMcCrackn/status/1382677290916712448 https://twitter.com/LiquidLandon/status/1382439109763891203
  24. Occam replied with an open letter. https://twitter.com/OccamFi/status/1382432862654369798
  25. You can now get Cardano exposure in your 401(k) and IRA accounts via iTrust Capital. https://finance.yahoo.com/news/cardano-ada-ira-401k-funds-113800620.html https://twitter.com/iTrustCapital/status/1382461184461271041
  26. Santo Staking Pool will be launching “Skullys” NFTs on Cardano. https://finance.yahoo.com/finance/news/santo-blockchain-labs-mints-50-134500914.html
  27. Yesterday was “Get ADA DAY” with the end of Epoch 259. I hope everyone straight killed it on staking rewards!
  28. Now there is an app that will show you all of your Cardano NFTs. https://twitter.com/nft_craze/status/1383196757622878208
  29. As always, we are the github champions this week. https://twitter.com/ProofofGitHub/status/1383087802305380359
  30. Charles is right about the Doge bubble. This could be the excuse that the regulators use to go after the whole space. https://www.youtube.com/watch?v=rM9DWe3-glg
  31. Here’s the Cardano Development Status Update for last week. https://roadmap.cardano.org/en/status-updates/update/2021-04-16/
  32. A Cardano stake pool is actually helping people avoid scorpions, spiders, & snakes in Africa?!? https://twitter.com/DenicioBernier/status/1383497821026807818
  33. There is really good information about Cardano’s deals in Africa and its developer adoption strategy in this Cardano Chats interview that kind of flew under the radar. Probably worth a listen if you haven’t heard it. https://youtu.be/m6TeNLvMTXI
  34. There are even Ouroboros Omega tattoos now! https://twitter.com/Coinfera1/status/1383560914
  35. We just experienced a big flash crash in price. A prime suspect is the drop in hash rate in BTC due to the Blackouts in China. Is the crypto space ready to accept that Nakamoto style consensus on PoW leads directly to unacceptable levels of centralization? This has been the dirty secret of PoW crypto and its decentralization loving enthusiasts for years. https://bitcoinmagazine.com/business/bitcoin-mining-hash-rate-drops-as-blackouts-instituted-in-china
  36. Charles posted a somewhat cryptic tweet that read “Omega + Hydra + Mithral = GG”. The Ourobors Omega, Ouroboros Hydra, & Mithral parts we’ve covered before. Omega is a capstone rollup of Praos (2017), Genesis (2018), + Redux, +Chronos, +Ledger Combiners, +some other things from the rest of the space. Hydra is layer two. Mithral is trustless light wallets via zk-SNARKs. Guesses as to the “GG” ranged from “Good Game” (as in game over for competitors) to “Goguen”. See today’s video at the link above for more discussion on this. https://twitter.com/IOHK_Charles/status/1383792375860924424
  37. Danger Will Cardanoson: we’ve got fake rare NFTs being minted in Cardano now. Always check the Policy ID. https://twitter.com/pool_pm/status/1383892319896621059
  38. Today is Get ADA Day with the end of Epoch 260! I hope you crushed it! https://adapools.org/epochs
  39. Hard wallet Catalyst voting is on the horizon! https://twitter.com/ATADA_Stakepool/status/1384204498009157635
  40. IOHK is hiring something like 80 people. https://twitter.com/timbharrison/status/1384116617588535303
  41. Biden Administration in early stages of regulating crypto. But, the news outlet here is reporting chatter among securities lawyers that Gary Genseler (new SEC Head) will approve a crypto ETF as a means of throwing a bone to conservative law makers. https://twitter.com/HukAleksandra/status/1384261829463924744
  42. Africa special going down April 29th, 16:30 UTC!!!!!!! That’s 9:30amPacific; 10:30am Mountain; 12:30pm Eastern, 5:30pm Dublin; 7:30pm Addis Ababa; 11:30pm Bangkok. https://africa.cardano.org/ https://twitter.com/InputOutputHK/status/1384587491190222849 https://twitter.com/IOHK_Charles/status/1384582745116987393
  43. Shahaf Bar-Geffen, CEO of COTI (the first recipient of a Cardano CFund investment), says he just finished recording his segment in the Africa special which he mentioned was airing at the end of April prior to the IOHK announcement of April 29th. He also said: 1) ADA Pay may be ready in early May or maybe even late April; 2) there will be a big launch for ADA Pay and once the Africa Special airs “everything will connect”; 3) “people are probably not getting how big this is….but you will down the line”; 4) COTI integration with a major exchange is happening, progress is not as quick as they would like, but it’s progressing; 5) last week they released the possible designs for debit cards, they are even considering some designs submitted by the community; 6) and iOS and Android integration is coming along nicely and well on the way. https://www.youtube.com/watch?v=EorsiQfEV7o
  44. For a little more background on the work going on between COTI and Cardano, check out these links. https://www.youtube.com/watch?v=OJbMUHXmeOg https://news.bitcoin.com/cardanos-cfund-first-capital-goes-to-israeli-fintech-startup-coti/
  45. It looks like Yellow Card and Payway are listed on the Africa Special website. Given their business models, it is easy to guess that they could be valuable in the Pan Africa Strategy. https://payway.et/ https://yellowcard.io/
  46. Partnership with World Mobile in Tanzania. Credit to Reddit user /u/ricklepicklemydickle for originally finding this one. https://www.youtube.com/watch?v=m6TeNLvMTXI&t=2242s https://www.youtube.com/watch?v=IX3Fnb_l4zA https://worldmobile.io/ https://newslogical.com/cardano-partners-with-global-telecom-company-world-mobile/
  47. Recap from yesterday: the Africa Special Announcements revealed some additional puzzle pieces 1) COTI’s AdaPay is possibly the larger payments infrastructure puzzle piece, 2) payway.et is possibly the local payments puzzle piece, 3) yellowcard.io is possibly the local coin exchange puzzle piece, and 4) World Mobile (not mentioned at africa.cardano.org AFAIK) may be the network connectivity puzzle piece. I think they are going to connect a lot of disparate pieces for us on the 29th.
  48. Once again we are the champions! Not just of github commits this time, but also of total staked asset value. https://www.stakingrewards.com/
  49. Rick interviewed CardStarter which is a Cardano accelerator. The interesting items are 1) it appears they are purporting to somehow insure their community backers against certain financial losses with caveats, 2) they plan to fund projects prior to token launch through token vouchers, and 3) it sounds like they are building a DEX called Card Swap. Notice that the “insurance” comes with caveats. They were very transparent on that point and people should take notice. Is CardStarter good? Is it bad? I have no idea. Watch the interview and form your own opinion. https://youtu.be/nIklWKtr_aY https://cardstarter.io/
  50. The Cardano Foundation has adjusted its delegation strategy. This brings up a question: where does the balance lie between allowing Adam Smith’s hidden hand to work its free market magic and trying to help small pools? https://forum.cardano.org/t/the-cardano-foundation-s-delegation-methodology-is-changing/58465
  51. More details on what the COTI/Cardano partnership will actually look like. Also COTI’s Trust Chain runs on a DAG. It’s probably high time we all understand WTF a DAG is. https://cotinetwork.medium.com/how-the-cardano-deal-can-grow-the-coti-ecosystem-some-personal-thoughts-8a6b495e3e3d https://coti.io/files/COTI-technical-whitepaper.pdf https://en.wikipedia.org/wiki/Directed_acyclic_graph
  52. We’ve had really good reporting from the community on World Mobile developments with Cardano. I just want to take a second to thank you guys. Reddit user /u/ricklepicklemydickle first alerted us to the World Mobile developments and then youtube user Whiskey 1234 (love both usernames btw) let us know that he attended a conference where he encountered World Mobile and “asked them if they knew about Cardano blockchain and the reply was they were announcing partners at the end of this month.” Thank you very much for this intel guys.This is what Army of Spies is all about. Many thanks for your contributions, gentlemen.
  53. Alko Sumatra Kopi is going to export 100 tonnes of coffee from Sumatra to China and track it all farm to cup using Emurgo Trace! We reported previously on the engagement of Emurgo Trace here and now it’s being put into action. https://emurgo.io/blog/emurgo-client-alko-is-the-first-enterprise-to-utilize-blockchain-for-coffee-traceability-in-southeast-asia
  54. In Charles’s recent AMA, he mentioned that the Africa Special will be a Pan African event and they WILL talk about various deals they have in multiple countries. So, this tells us they do have multiple deals in multiple countries. That was a little unclear previously. https://www.youtube.com/watch?v=8mP0JSgf9CU
  55. IOHK’s Development Update for this week includes news that end-to-end tests of the ERC-20 Converter are commencing along with a mention of some oracle work under the Goguen update section. https://roadmap.cardano.org/en/status-updates/update/2021-04-23/
  56. The number of defi projects that have announced plans to be on Cardano just keeps climbing with Yayswap.io joining the list of Liqwid, Occam, and CardSwap/CardStarter.
  57. Kraken publishes a “What is Cardano?” article. Says “...Cardano may not promise new ground-breaking features..” Oh yeah? What about native tokens that don’t require smart contracts? What about the EUTXO model allowing predictable and accurate local calculation of transaction fees in your wallet before you execute? What about a consensus algorithm that’s so good, another top 10 coin made their system derivative of it? That’s all standard these days? https://twitter.com/krakenfx/status/1386038990864793607
  58. There’s a new stake pool explorer on the block. Check out the geographic map and the epoch calendar. https://poolpeek.com/epochcalendar
  59. First reactions from the “Ocean” are looking good! https://twitter.com/Saifadin/status/1386305951293075456
  60. I hope everyone enjoyed their sweet, savory, and delicious staking rewards yesterday! https://adapools.org/epochs
  61. In today’s video, we’re also going to go much deeper on how the COTI DAG works. But, don’t worry at all you’ll totally understand it when we’re done.
  62. Binance Smart Chain has already laid out a very compelling argument that we’re going to CRUSH Ethereum. https://twitter.com/TheADAApe/status/1386583952668958720
  63. Charles does a big interview with Forbes and points out the huge differences between a bonded staking system (ETH) and a liquid staking system (Cardano). This is highly overlooked. https://www.forbes.com/sites/stevenehrlich/2021/04/26/cardano-and-ethereum-founder-analyzes-the-newest-evolutions-in-crypto-and--blockchain-technology/?sh=6acb258e3e52
  64. Charles also covers his projections about interoperability and the future converging on a “wifi moment” when an interoperable “internet of blockchains” emerges. In this future, it will be a race to the bottom and the systems that are too expensive to operate will simply be priced out of the game.
  65. New Africa Special Trailer dropped. The narrator: “We are partnering with African governments…” That was PLURAL governments, guys! This is getting exciting. https://twitter.com/InputOutputHK/status/1386772333902319618
  66. The Africa Bird lands a few days early!!!!!!!! It’s a deal with the Ethiopian Ministry of Education to provide a Cardano ID solution and unified records system for 5 million Ethiopian students. Charles says there will be more news tomorrow at the Africa Special. https://www.nytimes.com/2021/04/27/business/dealbook/tesla-earnings-bitcoin.html. https://www.youtube.com/watch?v=yOTRp3PQKVk. https://twitter.com/IOHKMedia/status/1387051830442553351 https://iohk.io/en/blog/posts/2021/04/27/blockchain-finally-comes-of-age-with-worlds-biggest-blockchain-deployment/ https://www.cityam.com/ethiopia-overhauls-its-education-system-with-iohk-blockchain-partnership/
  67. We’re getting reports from Army of Spies member /u/ ricklepicklemydickle that World Mobile is reporting in its telegram group that it will be dropping some news tomorrow!
  68. A new Cardano metrics platform has launched https://cardanowaves.com/
  69. Today is the Cardano Africa Special. It’ll be at 9:30am Pacific, 10:30am Mountain, 12:30pm Eastern, 5:30pm Dublin, 7:30pm Addis Ababa, 11:30pm Bangkok. 1:30amTokyo. Go enjoy! We’ll recap it after.
  70. In today’s video we also cover questions about the relationship between Atala Prism and ADA and who will actually benefit from the Cardano Projects with African governments.
  71. The Africa Special made it clear that Cardano has a brilliant grand strategy for the developing world. As framed by John O’Connor this would be: 1) provide digital identity; 2) provide digital transfer of value; and 3) provide programmability of that digital value.
  72. Mickey Watkins (CEO of World Mobile) added a step zero to the formula above with: 0) provide access to the digital world.
  73. As has previously been mentioned, it was officially announced that Cardano is partnered with World Mobile to provide digital connectivity to people in the developing world starting in Tanzania. They plan to have 100k subscribers in Zanzibar by the end of the year.
  74. This is just the beginning in Africa. John O’Connor had a nice tweet that very succinctly laid out some future plans. https://twitter.com/jjtoconnor/status/1387919060197855234
  75. Coindesk editor refuses to acknowledge that Cardano has a deal with a national government, gets relentlessly trolled, then finally capitulates and decides to cover the Ethiopian Ministry of Education project. https://twitter.com/zackseward/status/1387744629693599744 https://twitter.com/HukAleksandra/status/1387788814022844421 https://twitter.com/IOHK_Charles/status/1387937546978545667 https://twitter.com/IOHK_Charles/status/1387939251275198466 https://twitter.com/Cshuggin/status/1387986678741151745 https://twitter.com/IOHK_Charles/status/1388113533435482115 https://twitter.com/CoinDesk/status/1388192121006534657
  76. The Cardano Africa Mini addition gives us more details on the actual rollout of the Ethiopia Ministry of Education deal: 1) all 700k teachers and a subset of the students who will get tablets will be registered in the first year; 2) all secondary school students will be registered in the second year which will bring us to 5MM students; and 3) the data will be used to analyze both students and teachers. https://www.youtube.com/watch?v=jKT_3clxeqw
  77. If you don’t believe that Atala runs on Cardano please watch this video which lays out definitely and exactly how Atala runs on Cardano. Please feel free to wantonly debunk anyone on the interwebs who says otherwise. Thank you to IOHK technical architect Alexis Hernandez for this video! https://www.youtube.com/watch?v=8AbgzvOeb6w&t=31s
  78. I don’t know if everyone watched the last few minutes of the Africa Special. But, I think a lot of people missed the section where John O’Connor said the goal of Cardano in Africa is to issue 100 MILLION digital identities in the next two years. To give you some idea of scale here, adapools.org shows a highest ever daily number of new wallets at around 71k. If we onboard 100 Million people via digital identity over two years that would be 136,986 people per day. ETH only has 150MM unique wallets to date. https://youtu.be/yRjj662kJsk?t=8615 https://adapools.org/analysis-query/wallets https://etherscan.io/chart/address
  79. John also mentioned that all of the 100k subscribers to World Mobile in Zanzibar this year will have digital identities on Atala Prism. They will also be offering so-called “RealFi” loans by Q1 of next year that will be made via Cardano liquidity and will act as a bridge to real world value. https://youtu.be/yRjj662kJsk?t=8628
  80. Charlie Munger thinks crypto is “disgusting”. That’s a wonderful thing because it tells you how early you are. This is especially true in Cardano which is a project that leads with empathy for the developing world. Will he still call that disgusting if we’ve brought financial inclusiveness to an entire continent in five or ten years. Probably he won’t say anything because he won’t have lived that long. But, you get the point. https://www.cnbc.com/2021/05/01/charlie-munger-calls-bitcoin-disgusting-and-contrary-to-the-interests-of-civilization.html
  81. The state authorities in Wyoming are so far ahead of the curve it’s scary. Now they’re putting aside $4 million for staking. On the private side, Caitlin Long should be declared a state treasure for making a lot of this happen. https://twitter.com/Cardanians_io/status/1388756653311414272 https://decrypt.co/69390/university-wyoming-generate-revenue-crypto-staking
  82. I will be in a tent in a beautiful place where there will be very limited internet access. So, no text format Cardano Rumor Rundown until Saturday. The youtube version has been pre-recorded and is scheduled to come out on the normal daily schedule: https://www.youtube.com/channel/UCWnSP49DJf-G9E0VfqDdBCA.
  83. There is supposed to be some kind of mid-month update on Plutus. Charles hinted in a recent update that everything is going really well on that front. https://www.youtube.com/watch?v=786mOp2Xq7s
  84. There will be an update on Mithril at the end of the month. You will remember from previous coverage that Mithril is a means to create trustless light wallets via recursive snarks similar to Mina. ZK-SNARK = zero knowledge succinct non-interactive argument of knowledge. https://www.youtube.com/watch?v=786mOp2Xq7s
  85. Charles is setting aside $9MM to be shared by two research labs to be set up: one at University of Edinburgh and one at an undisclosed institution. https://www.youtube.com/watch?v=786mOp2Xq7s
  86. Doge Mania might be hitting a new peak (as a cultural artifact at least) tonight with Elon’s appearance on SNL. There are many different perspectives you can take on how this might impact ADA. I find the following two the most interesting: 1) if the Doge pump is followed by an inevitable crash it could sour a giant group of new adopters on crypto; or 2) it might be a gateway drug that will turn a large group of new adopters on to better projects. https://twitter.com/elonmusk/status/1390774840135766019
  87. The Essential Cardano List is published by IOHK. (credit to /u/cascading_disruption for pointing this out) https://twitter.com/InputOutputHK/status/1390728385945550848
  88. Cryptodoggies.org NFTs are now available. The website says 50% will go to a community voted animal charity. https://www.cryptodoggies.org/
  89. For those learning Haskell, Check out this new video on Type Theory. https://www.youtube.com/watch?v=Y7blCeETJo8
  90. Also, Lars puts out a new Plutus Pioneers video on Native tokens. https://www.youtube.com/watch?v=6VbhY162GQA

~Army of Spies


Indyglo's "Sweet Dreams" Referralcodes

It's bedtime for me, but I see a lot of my fellow redditors are wide awake. So, if you happen to be looking for anything new and shiny to sign up for, here are 65 of my current referral links for cashback bonuses and discounts, categorized by type, followed by brief company summaries. I'd greatly appreciate if you use my links below if you decide to get in on any of these bonuses.

Auto/Travel

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). Additional bonus if you sign up for direct deposit.
  • 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/tgkzVpRi3fb - 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

Credit Cards

  • American Express - http://refer.amex.us/JOHNMXbYN?XLINK=MYCP - Sign up using my referral and earn $150 back after you spend $3,000 in purchases on your new Blue Cash Preferred Card in your first 6 months of card membership. Plus, earn 20% back on purchases at Amazon.com on the card in the first 6 months, up to $200 back.
  • Capital One Venture - https://capital.one/33F9Sar - Sign up using my referral link and get 100,000 bonus miles (worth $1,000 when you redeem for travel) when you spend $20,000 on purchases in the 12 months from account opening, or earn 50,000 miles if you spend $3,000 on purchases in the first 3 months (worth $500 when you redeem for travel).
  • 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/Nutrition

Games

Investing

  • Acorns - https://share.acorns.com/mpho2002 - Get $10 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

Shopping

Uncategorized

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 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.
  • Boeing Employees Credit Union (BECU) is Washington's largest member-owned, not-for-profit credit union. BECU puts the interest of its members ahead of profit, offering its members free checking, no maintenance fees and no minimum balance requirements. BECU offers business services, personal checking and savings accounts, IRAs, mortgage and home equity loans, personal loans, vehicle loans, online banking and more. BECU is a Federally Insured State Chartered Credit Union with 42 branches, headquartered in Tukwila, WA.
  • 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.
  • 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.
  • 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).
  • Full Circle - Farming organically since 1996, Full Circle delivers the season's best produce and wholesome farm products conveniently to your door when you live in Washington, Oregon, Idaho and Alaska. Each delivery includes the option to edit/customize your box online and comes hand-packed with 100% certified-organic produce, news from your farmer, recipes, produce tips and details on upcoming farm events. Adding artisan farm products to your produce deliveries is optional. Full Circle makes it simple to live the good life.
  • 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.
  • Swagbucks LIVE is a daily live trivia game show where you test your knowledge to win huge cash prizes.
  • 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 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

Thanks for checking out this post! These referrals - and more - are also available on my profile page at https://invitation.codes/@johnmego. And if you want to share your referral codes there, please use my referral link to sign up: https://invt.co/?invite=3dL2NnX9l