Thursday, April 22, 2021

Indyglo's Master List of "Beermoney" Clicks

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

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

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

Games

Investing

  • Acorns - https://www.acorns.com/invite/EJLS85 - 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

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 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.
  • 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.
  • 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

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Sixty-Two of Indyglo's Current Promocodes

Here are 62 of my current promocodes, categorized by type, followed by alphabetized summaries. I am a customer of the listed sites/apps/services and appreciate any questions or feedback.

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/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

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).
  • 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://www.acorns.com/invite/EJLS85 - 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

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).
  • 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

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Thoughts on Halving, ATH, Bear Market, etc

Seems like most analysis I've seen tends to into BTC halving events as an anchor/precedent along with cyclical events to determine/predict BTC targets.

  1. 1st halving 1 year later stabilized at a ridonculous 8000%
  2. 2nd halving 1 year later around 300%
  3. 3rd halving 1 year later is 05/2020, maybe ~500%

It seems halvings have been followed up with strong bull runs coupled with usual minor corrections and then an eventual bear market, perhaps due to a negative sentiment catalyst. The overall pattern seems to be repeating itself now, and it's fair to reason that BTC bear market hasn't started and eventual support level will be well above previous cycle 2018 ATH.

This isn't advice, just sharing some thoughts.

https://hedgetrade.com/bitcoin-halving-chart-complete-guide/

https://www.publish0x.com/changelly-blog/bitcoin-price-prediction-after-halving-in-2020-xpkyej


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inflation and next couple of years predictions

BIDEN & YELLEN TO MAKE HISTORY

In the next 4 years the BY team (Biden&Yellen) will most probably be the ones who fulfil Voltaire’s prediction in 1729 that “Paper Money Eventually Returns To Its Intrinsic Value – ZERO”.

Like Matt Piepenburg , Voltaire knew he would be right because history has 100s of examples of governments and central banks destroying the currency.

Biden/Yellen don’t really need to do much since the dollar is already down 99% since 1913. So all they will do is to push it down another one percent. But we must remember that this one percent is actually 100% loss of value from today.

From the day the Fed was founded in 1913, the dollar’s demise was already written in the history books. And Biden/Yellen is the perfect team to be the executor of history as they drive the dollar to ZERO within the next 4 years.

BYE BYE DOW

Finally, we have reached the end of the fourth month of 2021.

In stocks As indicated that the long term secular top could occur in January .

So far this forecast is correct. If that is confirmed in the next couple of weeks, we are likely to see the beginning of a major secular bear market with potential dramatic crashes.

Even if the big fall in the Dow and the Dow/Gold ratio will come slightly later, it is virtually guaranteed to happen in the next few months. And that will be the end of a spectacular period of debt, fake money and toxic markets.

WALLSTREETSILVER TO ATTACK SILVER MARKET?

The ultimate insurance against a total destruction of your wealth, is obviously physical gold and silver stored outside the financial system.

Bitcoin might be a good speculative investment and might also work as a payment method if central banks don’t ban it. But it has nothing to do with real wealth preservation.

Silver is normally the leading indicator for the precious metals.

Following the spectacular short squeeze in Gamestop by the Reddit group Wallstreetbets, there is now speculation that the same could happen with silver.

Yes, everything is possible. But remember that in the gold and silver markets, against the Reddit players there will be:

The BIS (Bank of International Settlement),

The Fed, ECB and other central banks

Plus the bullion banks

So a lot of fire power to beat compared to the Gamestop opposition.

SILVER – THE INVESTMENT OF THE DECADE

The silver market is one of the most toxic of all. Heavily manipulated and with bullion banks now being 100 million oz of silver short on Comex and with no liquidity in London, as Alasdair Macleod has pointed out.

Still, even if not in the next week or two, silver will win this game in the medium and long term as the dosage of paper silver shorts is much too big to survive a short squeeze.

I would not be surprised to see the 1980 and 2011 $50 high to be taken out in 2021.

So silver will lead the metals and the gold/silver ratio, now at 67, will initially reach 30 like. The long term target is likely to be a lot lower, probably 15 or below.

Expect 2021 to be the year when investors wake up to the fact that gold is not a barbarous relic but actually the best wealth protection you can hold and silver the investment of the decade

THE DOW WILL LOSE 97% IN REAL TERMS

All of the above is history. Even though gold has yielded an excellent return, it is what happens to the Dow/Gold ratio in the future that determines if investors should stay with stocks or hold gold.

Gold bottomed at $250 in 1999 as the ratio peaked at 45. The ratio subsequently fell to 5 in 2011 and corrected from there to 22.5 in 2018.

Since 2018, the Dow/Gold downtrend has resumed. The indicator at the bottom of the chart is the quarterly MACD which is a very important indication of the long term trend. The MACD turned down in 2019 for the first time since the 1999 top. This is a very strong sign that Dow/Gold has now resumed the long term downtrend.

If we then look at the long term picture of the Dow/Gold ratio, it gives us a very good idea of where we are heading.

The initial target is a ratio of 1 to 1 as in 1980 when the Dow was 850 and gold $850.

STOCK INVESTORS WILL BE WIPED OUT

Stock market investors should now have sleepless nights that they are about to lose up to 99% of their wealth within the next 5 years.

As mr Elgin von grayerz repeat, holding stocks could totally wipe out all your financial wealth in real terms by 2025.

The repercussions would obviously be devastating not just for private investors but for pension funds, institutions, as well as for the global world economy.

It would lead to a highly destructive deflationary depression after a short lived hyperinflationary period as central banks apply the only trick they know – UNLIMITED MONEY PRINTING.

But this time the world will finally discover that printed money has ZERO value.

And so will the holders of US dollars as the US currency finishes its (just over) 100 year move to its intrinsic value of ZERO.

EPIC STOCK MARKET BUBBLE – END OF AN ERA

As Jeremy Grantham said, we are now seeing an epic stock market bubble that is about to crash in the next few months.

But sadly we are not just going to see a stock market crash but the end of at least a 300 year era and maybe a 2000 year cycle.

With the world fast approaching economic paralysis and physical lockdown, it is difficult to see how this can end well. Instead, what is now in front of us can only end badly and most probably VERY BADLY.

As Egon stated since September 2019, the current problems started at that point with major pressures in the global financial system. Accelerated money printing ensued.

And by February 2020, global central banks were extremely pleased that the pandemic allowed them to attribute an excuse for the panic situation they were in.

So Covid is not the reason for the world’s catastrophic situation. No, Covid was just the most horrible catalyst that will guarantee that the global bubble era will have a devastating end.

Covid allowed central banks to create a Niagara Falls of printed money and debt, gushing down chaotically over the world.

And this without having to explain to the world that the financial system was already broke before Covid. The extraordinary money creation that is now taking place will be criticised by very few.

INFLATION IS HERE

So far the $10s of trillions of printed money has not translated into inflation in official consumer prices.

But we are now seeing major inflation in commodity prices.

If we just look at food commodity prices, they are up 54% since July 2020.

WHEN THE MUSIC STOPS…

The printed $8 trillion at $15 per hour (Biden’s new minimum wage) equals 60 million man hours. But in the modern MMT (Money Market Theory) paradigm, you don’t need to work for the money. Whatever the world needs, central banks and governments can just create out of nothing.

That is until the music stops. And Biden or Harris are the likely conductors who will preside over the music stopping and the whole edifice collapsing.

The wise will obviously find a chair already now because when the music stops there will be no chairs free and all hell will break loose.

By that time debt will not just be in the $trillions or $100s of trillions. No, the printing will have reached $ and EUR quadrillions as not only most collapsing debt will need to be bought by central banks but also derivatives which probably amount to $2 quadrillion or more.

In addition, medical care, social security and unfunded pensions will probably exceed $1 quadrillion globally and add to the demise of the financial system.

Could all of us be wrong. Maybe. A close friend gave me once a T-shirt with the inscription:

“We ARe NOT ALWAYS RIGHT – But We are not never wrong”!

The gift must have been a subtle hint – Hmmm

Still, in my humble view I don’t believe that any orderly reset will change the inevitable course of events. So as far as I am concerned, it is not IF but WHEN.

A professional life of over half a century has taught me that even the most evident events can take longer to develop than you think.

But as I see risk at an extreme, now is the time to prepare.

Precious metals will clearly not solve all our problems as the world economy implodes. But it is better to hold the only money that has survived in history.

In virtually every period of crisis in history gold and silver has been a surety.

Addendum egon von greyerz..


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Trading Bitcoin tax question

Ok so I understand that pretty much every crypto transaction is considered a taxable event in the US, including mining, selling crypto, trading between cryptos, using crypto to purchase goods and services, etc.

One thing I haven’t gotten a straight answer is the following situation, which would occur in the same tax year; I bought 1 Bitcoin for $30k, and weeks later I sold that 1 Bitcoin, for $60k. The price then drops to $50k, and I re-buy 1.2 Bitcoin for the $60k I sold it at originally. At the end of the year, my currency is in Bitcoin. I’m not trading between cryptos, just reinvesting my profits to get more Bitcoin.

What does this tax situation look like? My initial thought is although there is a taxable event of $30k profit, that is nullified because every bit of that $30k gets turned back into Bitcoin.


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prepper

President Biden announced his latest steps against climate change today as he convened a virtual climate summit with 41 world leaders. He pledged to cut U.S. greenhouse gas emissions by at least in half by 2030, though the initial proposal will offer broad strokes rather than a detailed breakdown. The target would represent a near-doubling of the U.S. commitment under the 2015 Paris climate agreement, when then-President Obama vowed to slash emissions by 26-28%, compared with 2005 levels.

Bigger picture: The announcement builds on other climate policies Biden has proposed in his first 100 days in office, including a plan to integrate climate risk into the financial system and a $2T infrastructure package. He's also set to issue an executive order on climate disclosure within the capital markets, a move that could shift investments and allocations in the fossil-fuel and renewables sectors. "Suddenly people are going to be making evaluations considering long-term risk to the investment based on the climate crisis," said U.S. climate envoy John Kerry.

It may already be happening. Electric vehicle stocks jumped after the latest climate headlines on Wednesday, as well as shares of solar companies. According to Bank of America, 90% of companies in the S&P 500 also now publish sustainability reports, up from 20% in 2011, suggesting the trend has gone mainstream.

Go deeper: Corporate America is warming up to Biden's new climate target. More than 400 businesses and investors, including Apple (NASDAQ:AAPL), Alphabet (GOOG, GOOGL), Coca-Cola (NYSE:KO), General Electric (NYSE:GE), Unilever (NYSE:UL) and Walmart (NYSE:WMT), have signed an open letter that backed cutting U.S. greenhouse gas emissions by at least 50% below 2005 levels by 2030. Green investing advocate Ceres said the signatories employ a combined 6M American workers across all 50 states and represent more than $4T in annual revenue. (42 comments) Data and earnings

Stocks closed higher on Wednesday following two days of declines, though futures hugged the flatline for much of the overnight session. Traders are meanwhile looking out for more economic data that could give another snapshot of the ongoing recovery. Small caps are also in focus given the strength seen yesterday, with the Russell 2000 ending the session up 2.4% to log its best day since March 1.

On the calendar: The Labor Department is set to release the latest count for new jobless claims. Expectations are for 617,000, but there could be another surprise, following the pandemic low of 576,000 seen the prior week. Another key report is existing home sales for March. The National Association of Realtors is forecast to show sales of previously owned homes slipping half a percent month-over-month in March to a seasonally adjusted annual rate of 6.19M units.

The earnings parade will also continue, with two DJIA members posting results this morning - chip giant Intel (INTC) and chemical maker Dow (DOW). We'll also get numbers from American Airlines (AAL), AT&T (T), Biogen (BIIB), Blackstone (BX), Freeport-McMoRan (FCX), Snap (SNAP), Southwest Airlines (LUV) and Valero (VLO).

Commentary: "Significant stimulus, with more coming from the Biden administration, has driven economic forecasts up and might push overall EPS expectations from the $174 consensus projection currently to $180-$185," Citi's Tobias Levkovich said in a research note. “We think that equities are reflecting something closer to $190, which suggests that much is already priced in and that any shortfall could cause a meaningful pullback."

More Archegos fallout

It would have been one of Credit Suisse's (NYSE:CS) best quarters in history, though it turned out to be one of the worst. Revenue at the Swiss bank soared 31% to $8.3B due to client activity in robust markets, but it logged a net loss of 252M Swiss francs ($275M) due to the Archegos disaster. The damage isn't done. While Credit Suisse has exited 97% of its trading positions related to the collapse of the investment firm, it still predicts an additional loss in Q2 of around 600M Swiss francs ($655M).

Backdrop: In late March, Archegos defaulted on margin calls from several global investment banks, including Credit Suisse, Nomura, Morgan Stanley and Goldman Sachs. The fund had large, concentrated positions in ViacomCBS (VIAC), Baidu (BIDU) and other companies, but its use of total return swaps helped hide its high exposure from the banks. The derivative contracts exposed the firm to severe losses when the trades went sour, and the news came just weeks after Credit Suisse warned of other major losses. Earlier in March, the bank froze $10B in funds connected to client Greensill Capital, after marketing funds that financed the company's operations.

Looking to counter the damage, Credit Suisse intends to raise about $2B (through 203M new shares), shoring up capital via convertible notes. That would help lift its common equity Tier 1 capital ratio, or main measure of resilience, back towards 13% (after slipping to 12.2% from 12.9% at the end of December). The bank also cut its dividend and pushed out its heads of risk, investment banking and equities.

Outlook: "The loss we had in Archegos was unacceptable," Credit Suisse CEO Thomas Gottstein said after the results, but didn't offer his resignation following the Archegos and Greensill cases. "This is the time for solutions. We do not have a risk culture problem." Switzerland's financial regulator, FINMA, still opened enforcement proceedings against the bank over how it handled the recent risks, which could possibly shorten Gottstein's tenure at the helm. He took over only a year ago after his predecessor, Tidjane Thiam, was ousted from the bank following a spying scandal on a recently departed executive. (14 comments)

TikTok sued

TikTok is facing a lawsuit over alleged misuse of children's information, which is being backed by Anne Longfield, the former children's commissioner for England. She maintains the social media app has been collecting personal data on millions of children across the U.K. and Europe since May 2018, including phone numbers, videos, locations and biometric information. The app then gives this data to unknown third parties for profit, according to the suit, which is demanding billions of pounds and transparency over what data is collected.

Bigger picture: Longfield is also demanding clarity over what ages the app is meant for (it currently targets people 13 and older). She further cited a government study from Ofcom that showed 44% of 8-12 year olds use the app, calling it a "data collection service that is thinly-veiled as a social network." TikTok has more than 800M users worldwide, with 100M users in Europe alone.

"Privacy and safety are top priorities for TikTok," the company responded in a statement. "We believe the claims lack merit and intend to vigorously defend the action."

Go deeper: This is not the first time TikTok has been in the spotlight over its data practices. Back in 2019, U.S. trade regulators fined TikTok's parent company, Chinese tech firm ByteDance (BDNCE), $5.7M over allegations of illegally collecting personal information on children under 13. The Trump administration also attempted to force a sale of TikTok's U.S. operations to an American company - Oracle (ORCL), Walmart (WMT) and Microsoft (MSFT) were interested - citing national security concerns surrounding data security and privacy. Last December, a U.S. district court judge prevented the Commerce Department from imposing the restrictions on TikTok, though the app has been banned in other countries like India.

Gambling or investing?

A new term is hitting financial markets called "swarm trading." We've seen the trend many times over the past year, ranging from the GameStop (GME) and AMC (AMC) short squeeze to the Hertz (OTCPK:HTZGQ) bankruptcy bid-up and Kodak (KODK) craze that preceded it. Other events that did not fare as well was the highly publicized "Doge Day" (DOGE-USD) this week that was supposed to take the crypto to $1. The tactic sees people pile into these names, ignoring fundamentals, technicals and other catalysts, until the last trader is left holding the bag.

Meet the newest target: Greenlight Capital's David Einhorn cited a deli in New Jersey last week as proof of a "quasi-anarchy" market that's "fractured and possibly in the process of breaking completely." The store, located in a Philly suburb called Paulsboro, generated only $35,748 in sales over the last two years, but is publicly listed as Hometown International (OTCPK:HWIN) and valued at over $100M. "The pastrami must be amazing," Einhorn remarked, as share volumes surged, with swarms of traders adding on the Russian dressing.

"It used to be that people ran away from brewing bubbles, eschewing stocks and other financial assets that seemed massively overvalued or just plain stupid. Nowadays people run towards them," writes Tracy Alloway at Bloomberg.

The latest: Hometown International was delisted from the OTCQB over-the counter market overnight "for not complying with the rules" and was slapped with a warning label, according to the group's CEO Cromwell Coulson. The retail trading sensation is also under the microscope, while its effects are being assessed in relation to market quality. Will newly confirmed SEC Chair Gary Gensler, Wall Street's top cop, make some regulatory moves?

What else is happening...

India records world's biggest single-day rise in coronavirus cases.

ECB likely to keep policy unchanged, but next steps on watch.

Spider-Man and other Marvel titles are coming to Disney+ (NYSE:DIS).

Apple (NASDAQ:AAPL) launches long-awaited Tile rival called AirTags.

Coming to Vegas... Dish (NASDAQ:DISH) partners with AWS on 5G network.

Pressure on Biden administration to waive COVID-19 vaccine patents.

Mortgage delinquency rate drops to 5.02% in March.

Marvell (NASDAQ:MRVL) closes deal for Inphi (NASDAQ:IPHI) in $10B acquisition.

MKM sees low impact from Apple (AAPL) ad change on Facebook (NASDAQ:FB).

Today's Markets

In Asia, Japan +2.4%. Hong Kong +0.2%. China -0.2%. India +0.8%. In Europe, at midday, London +0.1%. Paris +0.7%. Frankfurt +0.6%. Futures at 6:20, Dow flat. S&P -0.1%. Nasdaq -0.1%. Crude -0.5% to $61.04. Gold -0.2% at $1789.60. Bitcoin -1.9% to $54344. Ten-year Treasury Yield unchanged at 1.56%

Today's Markets

Verizon (NYSE:VZ) -0.4% despite Fios strength, fewer postpaid losses. NextEra Energy (NYSE:NEE) -3.2% on drop in Y/Y renewables sales. Halliburton (NYSE:HAL) -3.6% hobbled by a slower growth forecast. Kinder Morgan (NYSE:KMI) +3.1% AH notching gains from Texas freeze. Chipotle (NYSE:CMG) +0.6% as online sales topped in-person orders. Las Vegas Sands (NYSE:LVS) -1% AH posting a 15.6% drop in revenue.

Today's Economic Calendar

8:30 Initial Jobless Claims 8:30 Chicago Fed National Activity Index 10:00 Existing Home Sales 10:00 Leading Indicators 10:30 EIA Natural Gas Inventory 11:00 Kansas City Fed Mfg Survey 4:30 PM Fed Balance Sheet


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