Monday, April 26, 2021

Did I fuck up my FIFO reporting?

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

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

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

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

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


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Indyglo's Monday Promocodes

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

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

Jobs

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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Indyglo's Clicks For BeerMonday

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

Auto/Travel

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

Jobs

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

https://www.reddit.com/r/Bitcoin/comments/mz0r0t/berry_coin_event/
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Apr 19 - 26 Good Crypto Weekly Market Summary

Quick weekly news:

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

Other notable events include:

- Bitcoin price crashed below $50K

- Ethereum ETFs get off to $138M

Bitcoin

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

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

Ethereum ETFs

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

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

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

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


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US Mephisto Mondays Mega Thread April 26th

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

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

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

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April 26th - 10:00AM Mountain Time

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

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

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

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

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Tuesday May 4th

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

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May 10th

  • Sticker and Merch Release

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Terms and Conditions Mephisto Mondays

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

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

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

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

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Smartlands SLT is launching this week! Tier 1 exchange listing to follow!

I have been a long time investor in SLT and if you want the reasons to join SLT just go to r/SmartlandsPlatform and just DYOR.

In short they're tokenization real estate (for now) so that a collaboration of people can own a $40 million building. The fees are distributed right back to the SLT holders through their wallets. Blah blah blah.... I've had many posts before about summaries and events and everything Smartlands. If you really want to learn about them go check them out.

I'm here to tell everyone that they are finally launching. It's felt like forever, but they confirmed a launch date before April on Bitcoin News last week and shortly after the launch they will announce the T1 exchange (currently I hold all my SLT in a LOBSTR wallet)

At the time of writing this post the price of SLT is $16.82. They are predicting the price to be $50 sometime in May and $400 in July... I know it sounds like a moonshot, but that's what I thought when it was $3 and then their prophecy came true when my money tripled within a month.

This isn't a rug pull or pump and dump either.... I'm going to say it again DYOR Smartlands has delayed announcements/launches to make sure what they are doing is correct. They have a solid business plan and what to capitalize accordingly.

Just my two cents. It will shoot up this week (and probably next week as well when the T1 announcement is made)


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