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Get-Paid.com - Earn easy money online while doing FUN stuff. Get-Paid offers many ways to earn money online like doing surveys, offers, playing games and more.
Quick Dollar concept was born in 2017 with one objective in mind create a platform for users that is easy,fun & rewarding! It is a free website, mobile based app that allows users to earn real cash no points by completing offers & surveys, watching videos! We are growing everyday and continuously adding rewards,new advertisers and streamlining Quick Dollar to make the experience fluid and simple for the user.We help online and land-based businesses with customer acquisition and brand engagement. Quick Dollar works with advertisers to reach one common goal ROI. https://preview.redd.it/w3g860s963g41.png?width=600&format=png&auto=webp&s=2959cf506409ee7cea408483af0f441cbd141852
TreasureTrooper - a GPT (Get-Paid-To) site where you make money by doing daily surveys, completing offers, clicking ads, etc. Also, you can get cash back when shopping online. Minimum payout is $20 through check or PayPal.
Deal Hub Central - Get Paid Cash to take surveys, try products & playing games online (10$ Sign Up Bonus, USA only!)
Deal Hub Central offers the opportunity to money in exchange for taking surveys, trying products & playing games. You will get your money via check or paypal. You will need about 10 - 15 minutes per survey. You will get your money within 15 business days (via email). For your sign up you will get a 10$ bonus. The registration is free. If you are intested you can also take part in the cash back program, but you don't have to do it! You will receive cash-back when buying products and services from well-known brands. If you want you can check this website: Ref-Link | Non-Ref
SendEarnings - Get Paid Cash to take surveys, try products, read emails, shopping & playing games online (USA only!)
SendEarnings offers the opportunity to earn gift cards in exchange for taking surveys, trying products, reading emails, shopping & playing games online. Once you earn 30$, you can request a payout via paypal. You will need about 10 - 15 minutes per survey. You will get your rewards within 15 business days (via email) For your sign up you will get a 5$ bonus. If you want you can check this website: Ref-Link | Non-Ref
Beermoney for Busy People! (2021) - No Disqualifications!
Beermoney for Busy People! (2021)
Hi! I try to make this post each year about sites that don't have DQs and are worth your time to use even if you have a busy life! I have removed sites and apps that no longer exist and have also added a new one I am using this yea! I am a full-time student and work while in school so I don't always have time to grind out surveys for hours at a time. To qualify for this list, the sites can't DQ and have to be worth your time to use! Hope these help! Let's get into it.
CrowdTap is a great site for short polls and surveys that is available online and in a mobile app on iOS and Android! The questions are about things such as consumer goods, food products, and services. The polls pay 1.5 cents each and the short answer questions pay 10 cents each (converted from their points system). Some of these polls are combined into longer surveys, and some are single one question polls. All of them are well worth it for the time that they take and there are no DQ’s of any sort. Reward options include Amazon, Target, Walmart, Steam, Xbox, and more. You can cash out starting at $5 and I am able to cash out about once a week. Make sure to give quality answers and look out for attention checks because people have been banned for not giving quality answers. Definitely add this one to your routine if you have not yet.
This is a site with short surveys and no DQ’s. There are short surveys (10ish questions) to collect demographic data that pay $0.10. As you do these, your trait score increases. Having a high trait score makes it more likely to get high paying surveys. You have to be patient, and you might go weeks without a survey, but once you get to max trait score it is definitely worth it. I have a max trait score and I get at least one survey (if not more) per day. The real surveys that aren’t just for demographics can pay upwards of $2. You can cash out at $15 via PayPal, Amazon, or Walmart. Just as some inspiration to stick with it, after hitting max traitscore I am on track to make $150 on here this year!
Pinecone is a great survey site with surveys about consumer products and food that don’t DQ and pay $3 per 10ish minute survey. I get an average of one a week. They also sometimes send you samples of the products to review and I have gotten several of these this year! The catch is that you have to find an invite to join the panel. These can be found on offers or banner ads on GPT sites so keep an eye out for one! It is well worth your time to sign up. You can cash out for PayPal and many gift cards at a $5 minimum.
This one is great. You take academic surveys for universities and researchers and get paid in cash. I have been getting tons of surveys on here right now about Covid-19. As long as you don’t miss attention checks you won’t ever get disqualified. Some people get multiple surveys a day and others get only a few a week based on demographics. Usually it slows down in the summer because school isn’t in session, but they’ve had a lot of surveys available this summer. Many surveys pay at least minimum wage. Pro tip, if you ever have a problem with a survey or miss an attention check that you noticed, try contacting the researcher and often they can fix the problem for you. You can cash out with PayPal with no fees (for U.S. users).
Zogo is an iOS and Android app that pays you to learn about personal finance. It is backed by a variety of established banks and is actually quite interesting to learn through. While in the past it required a sponsor to be able to cash out, now anyone can earn in the app. You earn by answering a set of questions once daily through the “pineapple party” (the name for their currency). You earn pineapples based on your performance. You can cash out for a wide variety of gift cards such as Amazon and Target at $5. It is fun and worth it because you are learning valuable lessons about finance as well!
YouGov is a survey site/app that pays anywhere from $0.50 to $2 per survey. You never disqualify. I get a couple surveys a week. Most of the surveys are about public policy, politics, or general opinions of companies. You get the best value for your points if you save up for the $100 cash out. They offer the $100 cash out in bank transfer and Amazon. The Amazon gift card option used to be a physical mailed card but now its an e-gift card so that makes it even better! They offer other gift cards but they are for smaller values at worse rates so I would avoid them. Available online, on android, and on iOS.
E-poll is a survey site with surveys that don’t DQ. They send you surveys via email when they are available. The surveys are often about pop culture, TV shows, and celebrities. Some of them pay better than others for the time it takes to complete them, but most are well worth your time. Make sure to complete the surveys soon after you get the email, because some fill up within a day or so. You can cash out for several gift card options including Amazon and Starbucks. You get better rates with the higher valued gift cards so I always save up for the highest ones.
Forthright is a survey site with a nice twist. You sign up and receive invitations to surveys via email. I don’t usually do their “partner surveys” because they often DQ and you can get stuck in an endless loop, which doesn’t really fit with the point of this post.. Their non-partner surveys are awesome. They pay well for the time spent but they also have one of the best disqualification bonuses I have ever seen. Every three surveys you take, regardless of whether you disqualify or not, you get a $2 bonus. That is $0.66 per survey on top of its base pay regardless of whether you qualify or not. The base pay for the surveys ranges from $1-3 depending on length, which varies from 10-30 mins. They usually take much less time than the estimated length. I get a non-partner survey about once every 1-2 weeks and made around $50 here last year with minimum time spent. They pay instantly with PayPal, Amazon, or Bitcoin with no minimum.
Perksy is an app that sends you short surveys that they call “stacks”. These surveys generally pay anywhere from $0.30 to $1.00 and I get about one a week. You can’t DQ from these and they only take a minute or two. The minimum cashout is pretty high at $25 but when you sign up you get a signup bonus that gets you pretty close to your first cashout. I am able to cash out about once a year. They offer a lot of different gift cards but the most notable ones are Amazon and Target.
This one is quite popular and most of you have probably heard of it. This app is run by Google that will send you short surveys. If you have the app on iOS you can cash out to PayPal at $2, but on Android you can only cash out to Google Play balance. People who travel a lot or use a lot of Google services may get more surveys than others. I make $10ish dollars a year on here but I’ve seen others make more.
This is one of my favorites. The app will send you “Pulses” that you can answer for cash. The surveys start out paying around $0.25 each but as you level up your account they pay more. Mine currently pay $0.34. They have non-paid pulses that can level up your account but those aren’t really worth doing. The minimum cash out is $20 via PayPal. I have made about $10 here just in the last week due to pulses about Covid-19.
This is an app that is owned by SurveyMonkey, the popular survey development company. It offers short surveys that pay anywhere from $0.25 to $0.50 depending on length. The surveys take no longer than 3-5 minutes. They technically can DQ, but this happens very rarely and only at the very beginning of a survey. The nice thing about the surveys is that they use SurveyMonkey's survey software so they are consistent and easy to complete. While they do send notifications, earnings on here depend on how often you check the app because they don't always notify you. I try to check the app at least once or twice a day. You can cash out at $5 for Amazon with instant payments.
SurveyMini is a little different. The app sends you surveys when you visit different stores to review your experience there. They ask you about your satisfaction with the store, what areas you bought from, etc. The surveys usually pay $0.10 and take about a minute, but some can randomly pay up to $0.75. The more you visit stores, the more surveys you will get. You can cash out at $10 but you get slightly better rates the more you save up. They offer e-gift cards such as iTunes, Xbox, and Visa, but sadly no Amazon. I am on pace to cash out for $25 twice this year.
This is a new one this year and has easily become the most worthwhile receipt apps out there. All you have to do is submit either 10 paper or email receipts per month to earn a $10 Amazon gift card at the end of the month. I have also received a short survey from them that paid in Amazon cards as well. While this app has a waitlist, go ahead and join. It only took me a couple weeks to get accepted. A dollar per receipt is extremely high for a receipt app!
This app has surveys with a more personal and fun spin. You get paid via PayPal for each task that you finish. There aren’t always tasks available but when there are, they often pay well. I had one for testing an app that paid $9! It’s a nice option for something a little different than traditional surveys.
Thanks for reading! Hope these beermoney sites/apps help you make better use of your beermoney earning time! Let me know if there are any sites that I didn't include that would fall into those categories. Give my profile a follow for more beermoney related posts in the future! If you want to read more of my posts, here's one of my favorites to get you started!
GME Short Squeeze and Ryan Cohen DD for Jim Cramer, The (Man)Child Who Wandered Into the Middle of the GME-Cohen Movie 🚀 🚀 🚀
The Dude:It's like what Lenin said…you look for the person who will benefit, and, uh, uh... Donny:I am the walrus. The Dude:You know what I'm trying to say... Donny:I am the walrus. Walter Sobchak:Shut the fuck up, Donny!V.I. Lenin!Vladimir Illanich Uleninov! Donny:What the fuck is he talking about, Dude? Hello again, GME Gang. What a fun day we had yesterday! Could it continue today? Only Melvin Capital (and maybe Ryan Cohen) knows! And an extra special hello today to our newest WSB lookie-loo, Mr. Cramer (Can I call you Jim? I’m gonna call you Jim). Now Jim, from what I’ve been able to gather, you and your Boomer stocks and your Hot Manic Takes don’t always get a lot of love around here. But that’s not all your fault, Jim. The Paste-Eating Rocket Kids are often good for a solid meme (FYI: it’s pronounced “Mee-Mee.” Feel free to use that on air without verifying). But the Rocket Kids can be a dense bunch and they’re also often one click away from Total Financial Ruin (Quick shout out to SPCE: Pleas fly again). So you have to dig a bit in here to separate the wheat from the chaff, as someone like you actually says in real life. What the fuck even is chaff, Jim? And why do all Boomers seem to think that folksy farm-based idioms are the perfect way to conclude a thought? Anyway. Those of us who watched your teevee clips last week where you reference your interest in WSB know that you, Jim Cramer, might be one of the Olds, but that you also Think Young(TM). https://www.thestreet.com/jim-cramestock-market-advice-moderna-boeing-fed-ftc-dec-15. So we’re going to do our best to help your young-thinkin’ brain find the Needle In the Haystack here so you can get All Your Ducks In a Row on GME. Because we know that you’re a long way from being Put Out to Pasture, and though you may be an out-of-touch millionaire prone to facile yammering, we now like you here, Jim—simply because you mentioned us and that made us blush a bit since we’re needy Millennials who just want our Boomer mommies and daddies to Tell Us They’re Proud of Us. So even though the Paste-Eating Rocket Kids here are often Buying A Pig in a Poke (Christ, please do not ever say that or the kids’ Mee-Mees are gonna fuck you up), we appreciate you recognizing that, every now and then, there’s something worth paying attention to over in this weird little pocket of the Interwebs. And since you’re actually telling your loyal single-finger-typin’ viewers to check out this WSB shitshow, and “if they’re running GME, then do some work on GME,” we assume you might actually be checking this shit out too, since all true Young Thinkers know that What’s Good for the Goose is Good for the Gander. Now, is the GME play as solid as your recent recommendation to buy Bed Bath and Beyond? Who knows? That seems pretty stupid, and I would look it up myself this weekend but my nice little Saturday is already pretty full so I don’t know—I don’t know if I’ll have enough time. But I’ll tell you one thing: the GME play is a lot more fucking fun. Life in a pandemic is boring, but here in this weird WSB place, these kids like fun. And for all your Boomer weirdness, you seem like you still like to have a little fun in this Mad, Mad world of ours. So consider joining us here more often. A word of warning, though: if you don’t like all the dern cuss words we use around here, Jim, well that’s just, like, your opinion man, and we’ll have you know that the Supreme Court has roundly rejected Prior Restraint. First thing’s first: we have a bit of a bone to pick with you (now there I go). The stuff you said last week about GME as the next Blockbuster was D-U-M dumb, Jim. You were a bit out of your fucking element with that. You even made our largest shareholder and conqueror-in-waiting, Mr. Ryan Cohen, send an emoji-only tweet in response, which if you know the super nice-guy Ryan Cohen like all of us do (we actually know nothing), that is pretty much the equivalent of him bringing his dog over to micturate on your and George Sherman’s rug. Now, I myself have never been into the whole brevity thing, but I wanted to take this opportunity to get you up to speed on the GME movie you’ve wandered into. And I know you’re down with this because you told all your viewers that if WSB is talking about GME, then “make sure you know GME.” So before you say something Absolutely Mad again and Cohen sends a tweet with an even less ambiguous emoji, it’s high time that you start Making the Sure here, Jim. Just consider this to be CPT Hubbard delivering you some Orange Sunshine and turning you on to some of that Sweet, Delicious Non-Chaff Wheat you love so goddamn much. Part 1: GME’s Bonkers-Ass Short Interest Now, I’m going to lead with the most crowd-pleasing part of the story here (Get ready, Rocket Kids!), and it’s the one that you did not even seem remotely familiar with in your “Stay out of GameStop, Deadbeat!” rant last week. Maybe that was by design or maybe not. We’ll return to that, Jim. But the point here is: the short interest here is batshit insane. And not just your garden variety Boomer in Rolled Up Sleeves Ranting About Buying Estee Lauder While Hitting Buttons On The Beep-Bop-Boop Machine kind of insanity. Really and truly fucking nuts. So to TL/DR this shit for you, Jim (to use the parlance of our times): GME is themost shorted stocktrading today—by far. https://financhill.com/most-heavily-shorted-stocks-today How shorted? Well, the value of shares short exceeds the market cap of the company; there are currently more shares short than the total number of shares outstanding. And when factoring in the institutional and insider ownership, the total short percentage of float is nearly 300%. https://www.gurufocus.com/term/FloatPercentageOfTSO/GME/Float-Percentage-Of-Total-Shares-Outstanding/GameStop-Corp Even higher, actually, now that Cohen’s interest is over 10%. Now, I’m not a numbers whiz like you, but that level of short interest and the small available float seems pretty fucked up to me. Like: “how is that even legal?” fucked up. And just for a frame of reference, the third most shorted security right now is your beloved Bed Bath and Beyond, with a short percentage of float at a nice and tidy 69%. Are you starting to gather why some of us in this weird little pocket of the Interwebs are a little excited about GME? You see, as u/Jeffamazon and RodAlzmann u/Uberkikz11 and others have explained in these here corners and on the twitter machine with their top-notch DD, and as I will translate to you in lingo you can dig, the short sellers got way over their skiis on this one expecting a bankruptcy in Spring of 2020 that never came. And yet, amazingly, the short interest has only increased since then—there has effectively been no covering in the aggregate and, in fact, the short percentage has only gone up. And now, on the threshold of 2021, we all sit atop a massive powder keg wondering what is going to be the thing that finally lights this shit up. And at the end of this little missive, I’m going to tell you what I think that thing might be (Spoiler: It’s Ryan Cohen! Better start getting used to seeing his name, Jim, because this dude does not fuck around and he’s not going anywhere). https://www.reddit.com/wallstreetbets/comments/k4csaa/the_real_greatest_short_burn_of_the_century_part/ https://twitter.com/RodAlzmann https://thecollective.finance/2020/10/gamestop-gme-a-squeeze-to-44-from-14-can-be-justified-fundamentally-100-of-the-shares-are-short-watch-out/ Part 2: GameStop Isn’t Going Bankrupt and People Actually Want to Buy Shit There So, you foul mouthed little prick, a bonkers-ass short interest is neat and all, but why is Jim Cramer wrong when Jim Cramer compares GME to Blockbuster you might be asking yourself in the third person. First, the most obvious answer, Jim, which you should fucking know already: Blockbuster was nearly $1 Billion in debt and missing debt payments left and right when it was delisted way back in 2010. That was also when there was a bit of a credit crunch, if you recall, right after that whole Housing Crash Unpleasantness that you saw coming from a mile away and from which you made hundreds of millions of dollars due to your contrarian foresight—I’m sorry, I’m clearly confusing you with Christian Bale starring as Dr. Michael Burry, weirdo head of Scion Asset Management, which also holds about 1.4M shares of GME (You really gotta start looking into this stuff, Jim. This story is made for TV, man—and you Boomers were raised by TV and you turned out TV!). Also, in 2010 when Netflix is ripping and when Blockbuster was about to be delisted and bankrupt, an analyst noted the obvious fact that Blockbuster had “nothing on the horizon that makes it look like Blockbuster is going to be more profitable.” https://www.reuters.com/article/us-blockbusteblockbuster-wins-debt-reprieve-forced-to-delist-idUSTRE66052720100702 But Jim, if your Blockbuster comparison has any plausibility, GameStop must have a major debt problem then, right? And yet just last month GameStop repaid $125M in debt several months ahead of time. It’s also really weird that over the past year management bought back a ton of shares, taking the OS from 102M down to just under 70M (making a short squeeze even more likely, my Rocket Children). The weirdness continues with a soon-to-be-bankrupt company holding almost $500M in cash on hand. And according to George Sherman’s “Thine Omnichannel Shalt Be The Omni-est Channel of Them All” Conference Call following Q3, by March 2021 GME will have retired a total of $500M in debt and returned $200M to shareholders through stock buy backs. I’m no expert here, and I do not presently own a Beep-Bop-Boop Machine, but that’s all pretty weird shit to be doing if you’re about to go bankrupt. No, no – I get it: who the fuck actually looks at balance sheets anyway before spouting off about what a stock is going to do? I sure as hell don’t. That’s why I follow my man u/Uberkikz11, since that dude is a GME DD Encyclopedia and was born to crunch numbers. No, when Really Smart People make the Blockbuster comparison, it’s usually just Mouth Sounds for: A B&M Store That Used to Be Popular But Now Is Not Because Technology, QED. But here even the Really Smart People might be missing something as well. They’re right in the sense that GME must use this new console cycle window and cash influx to quickly pivot to a tech-first gaming company (more on that and our boy RC shortly!), but they’re wrong on the timing and relevance of this Super Smart Insight. So fine, they’re doing ok on debt and cash. But who even goes to that 90s-Ass-Looking Cluttered Mall Geekery anymore anyways? I confess: in my darkest moments, as the short sellers manipulate the fuck out of this stock and I curse the names Bell and Sherman, I too have wondered this. But it turns out that, just like I have no idea why anyone listens to Maroon 5 or eats at Applebee’s, apparently a lot of people in America do shit that I do not. Crazy huh? So here is some pretty neat data showing us how out of touch we might be here, Jim: First, when a pretty large sample size of people were recently asked the question: which of the following stores or websites do you plan to buy holiday gifts from? The #5 response from United States Americans was none other than GameStop (Ticker, Jim: GME). Only Walmart, Amazon, Target, and Dollar Store (poor people buy gifts too, Jim) were ahead of little old GameStop. That’s higher than Nike, Macy’s, the Apple Store—and double the response of Bed Bath and Fucking Beyond in every category they surveyed. Check it: (h/t to my man u/snowk88) https://stocktwits.com/snowk88/message/260983915 That’s kinda crazy huh? See Jim, when you Think Young(TM), you really can learn something new every day. And by following our man u/snowk88 (@snowk88 over at stocktwits), I learn lots of cool shit. But guess who already knew that? The guy that wrote this bad-ass letter that identifies GME’s brand and customer data as being one of the most valuable things GME has going for it. https://s.wsj.net/public/resources/documents/RC_Ventures_Letter_to_GameStop.pdf So now we know that Real Life People actually buy shit at GameStop here in the year of our lord 2020. But like that analyst from 2010 said about Blockbuster, there must not be anything on the horizon for GameStop to be more profitable in 2021, right? Now, I will admit that being a bit bearish on GME in December of 2020 would make more sense if, say, GameStop were the nation’s largest purveyor of limp and half-lit pumpkin spice-scented candles and we were exiting the apogee of Shitty Candle Season. But as it turns out, GameStop is currently selling basically the most sought-after items that exist in the marketplace right now—where demand for the Xbox and Ps5 is far outpacing supply and is projected to continue well into 2021. https://www.gamesindustry.biz/articles/2020-11-17-microsoft-expects-xbox-series-x-s-shortages-until-q2-2021 I don’t really need to get into the details on that here, because it’s pretty goddamn obvious, but I think 2020 GameStop at the precipice of a new console cycle might be in a bit of a better position than, say, 2010 Blockbuster relying on the latest Adam Sandler release to lift its sagging rental numbers. But I don’t know. Millions of people don’t watch my show looking for Candid Analysis from me and my folksy man-of-the-people-lookin’ rolled-up sleeves. Part 3:Ryan Cohen is the Sword of Damocles Hanging Over the Short Sellers’ Dumbass Heads And now we’ve gotten to the best part. It’s my favorite part of all of this, Jim, and if you give this a little time, I think it will be yours too. You see, all that corporate bla bla bla about balance sheets and console cycles and early debt repayment and overleveraged short sellers and brand recognition is neat and all—and definitely worth a second look by itself. Maybe even a little Beep-Bop-Boop on the ol’ sound machine—I don’t know your methods. But the real thing that’s about to rip all our faces off here is the business and investment decisions of a mild-mannered wunderkind named Ryan Cohen. Now you can revisit my prior epistle if you want to know a bit more about the involvement of Mr. Ryan Cohen in Le AffairGameStop. https://www.reddit.com/wallstreetbets/comments/kakxrm/gme_tribe_a_story_about_how_ryan_cohen_is_about/. My fly-by-night theory of his lawyer’s possible use of the consent solicitation could have probably marinated for another day, but the thrust of my argument there was that Cohen and his attorney have been laying the groundwork to come after GameStop for a while now. And that Cohen was likely emboldened by the humiliating, lame-ass CC performance by some dude with a mid-century comic-strip sounding name that we’ll all soon know only as: The Guy With the Punchable Face Who Used to Be CEO of GameStop. But here is where things get really interesting. This is a story in the making, Jim, for fucks sake - take notes! This Monday, on December 21, Mr. Ryan Cohen filed a revised 13D showing that last week he started buying a shit-ton of shares—starting on Tuesday December 15th—which is the day after the stock price inexplicably plunged on Monday the 14th and the very same day you were yammering on the teevee about GME being Blockbuster! Instead of listening to you, however, Cohen started buying more GME shares (super-sleuth dark pool watchers u/rgrAi and u/snowk88 noticed in real-time that there was some very large accumulation taking place), which culminated in the big reveal that Cohen purchased a total of 2,501,000 additional shares last week—500,000 of which were purchased on Friday December 18, 2020 at the price of $16.02 a share. Ryan Cohen is still the single largest shareholder of GME with 9,001,000 shares in total, taking his ownership of GME above the 10% threshold from 9.98% to 12.9%. And so he apparently thinks that the floor for his investment is $16.02 per share. Is he still buying? We’ll know soon. But yesterday seemed like a little taste of what it might look like if a large buyer steps in to prevent short sellers from manipulating all of my nervous little Rocket Children here and their delicate little paper hands. There was another thing we learned from this 13D filing: Ryan Cohen has apparently hired a new attorney and law firm. Instead of the great Christopher Davis of Kline Kaplan, now Ryan Cohen is represented by Ryan P. Nebel, a partner with Olshan Frome Wolosky, LLP. Now, if you’re familiar with my prior ramblings, you might wonder if I was a bit confused, and maybe even a little sad, at this sudden change from my man C. Davis. And you might be a little right. But then the wonder of the internet allowed me to learn a bit about these new lawyers. And holy shit, things are about to get fun. Now, I liked what I knew about Chris Davis and he seems like a genuine bad ass activist attorney. But the folks at Olshan Frome and Wolosky, LLP are Next Level Players and really seem tailor-made for this exact situation. First off, Olshan is ranked as the top global lawfirm for Activist Attorneys. https://www.olshanlaw.com/assets/htmldocuments/Bloomberg%20Activism%20League%20Tables%20H12020.pdf (H/t @flummoxed at stocktwits). They seem to be the go-to law firm for major proxy battles initiated by activist investors. But possibly even more important is that Olshan is the same firm that represented Hestia and Permit in their successful proxy battle earlier this year to appoint two new directors to the GME Board. I’m not going into the fine details of that, because this is already a bit of a long-form Idiot’s New Yorker article, but GameStop just went through a proxy fight last year with Activist Investors Hestia Capital and Permit Capital, which resulted in two Board seats for our shareholder buds from Hestia and Permit. So, it’s reasonable to assume that the attorneys at Olshan might know their way around GameStop at this point and where the pressure points are here. http://www.globallegalchronicle.com/hestia-capital-and-permit-capitals-two-new-directors-to-the-gamestop-board/ https://www.olshanlaw.com/resources-mentions-HestiaCapital-PermitCapital-GameStop-BoardofDirectors-ShareholderActivism.html And if you follow u/snowk88 over at stocktwits (@snowk88)— you’d also find a wealth of DD on how Olshan rolls when entering these activist-investor-replaces-dumbass-boards-and-CEOs type disputes. To bottom line it: they get it fucking done. https://stocktwits.com/snowk88/message/266158534 https://stocktwits.com/snowk88/message/266155112 https://stocktwits.com/snowk88/message/266153175 But what else did we learn from the 13D? We learned that Ryan Cohen is definitely not going anywhere any time soon. Specifically, the filing notes that RC Ventures intends to continue to engage in discussions with GameStop’s board “regarding means to drive stockholder value, including through changes to the composition of the board and other corporate governance enhancements." And while RC Ventures “desires to come to an amicable resolution with [GameStop, it] will not hesitate to take any actions that it believes are necessary to protect the best interests of all stockholders.” I really like that last part, don’t you? And although I thought his November 16th letter was pretty goddamn clear, this 13D just ratcheted up the transparency level here. In sum, Ryan Cohen has all of our backs and he’s going to replace this Board and Sherman with people that are on the level and that will help implement his vision. And now seems like a good time to return to those “Ryan Cohen: Boy Genius” articles that were definitely NOT part of a well-coordinated pre-hostile takeover media campaign initiated earlier this year. I think there might be a few things in those articles that Mr. Cohen wanted all of us shareholders (as well as the short sellers and the Board he’s about to replace) to really and truly understand. Recall also that Cohen is not one for diversification or for playing it safe. So here’s a few choice nuggets for you to ponder: *** Bloomberg, June 2020: https://www.bloomberg.com/news/articles/2020-06-05/chewy-founder-cashes-out-bets-on-apple-wells-fargo · "It's too hard to find, at least for me, what I consider great ideas," he says. "When I find things I have a lot of conviction in, I go all-in." · Cohen uses the word “conviction” a lot. He says it’s something he learned from his father, who ran a glassware importing business in Montreal where Cohen grew up. “He taught me how to block the noise from the masses,” says Cohen. “To have a point of view and have conviction and not waver.” · He wouldn’t, however, recommend his [non-diversified] investment approach to everyone. “You need to have the temperament to block the noise,” he says. “Sometimes it feels like a roller coaster.” · He likens his obsessive focus on building Chewy to his approach to stock picking. "I don't want to swing for a single," he says. *** You hear that, Jim? Our man Cohen likes idioms too! But fuck those farm idioms, Jim – we’re upgrading to the Sportsball kind now. So what’s the takeaway here? I’d say that Cohen has his Eye On The Ball and that it’s time for all short sellers and the Board to Throw in The Towel because Ryan Goddamn Cohen likes to Take the Bull By The Horns and will ensure that he Hits a Homerun for shareholders that believe in his vision. Here’s a few more things Mr. Cohen wants all of us to know: *** Forbes, August 2020: https://www.forbes.com/sites/zackfriedman/2020/08/16/entrepreneur-chewy-founder-ryan-cohen-shares-his-best-advice/?sh=41e1370e5840 · “For me, each no sounded like they just didn’t understand my vision. It was frustrating at times, but never discouraging. Those ‘no’s never made me doubt my strategy – it was the opposite. I was motivated by all the rejections and they just got me fired up.” · “I understood that thinking big was likely going to be misunderstood along the way. I’m contrarian by nature, so being misunderstood often validates what I’m doing. It wasn’t until Chewy boxes were on doorsteps across the country that the bulk of investors started to recognize our formula.” · “[M]y biggest risk would have been not taking risk. The risk of going head-to-head against Amazon. The risk of insourcing fulfillment. The risk of building a company in Florida rather than a popular tech hub. The risk of spending $3 million a month on TV ads, more than Home Depot HD -0.1%'s budget. The risk of hiring expensive executives even though we weren’t profitable. These decisions were some of the most controversial and required me being comfortable betting against conventional wisdom, and were often contrary to the advice of my board. Suffice it to say, I was not the most popular board member.” · “Dad never swayed when he believed in something. I never compromised my vision, regardless how many investors turned me down I was not going to give up on building Chewy into the world’s biggest online pet retailer. I love to be challenged, and I’m flexible on details, but I’m never willing to give up.” *** Goddamn it, Ryan. I was done having children but now you’ve forced me into getting back on that train just so I can name this future child Ryan Fucking Cohen. Thanks a lot, asshole. But to return to my point: are those the statements of a man that seems likely to walk away at this point? Or is Cohen trying to tell us all to get ready because he is going All In on this shit? So where does this leave us? After a huge week where Cohen buys 2.5M more shares and then the SP skyrockets to $20 yesterday on that news? Well, this is where I want to tip my cap to my man Justin Dopierala over at Seeking Alpha and allow him to conclude this section. He, along with his pal Dmitriy Kozin have been pretty clear-eyed on all this shit for a while now and they both deserve some credit. And I know I gave my main man Justin a bit of a hard time in my last novella, but the dude is sharp as hell and helped a lot of us see the forest through the trees here. And you should also definitely invite him to join your poker nights (seriously: check out the dude’s tweet in response to our own Rod Alzmann’s introduction of the #WeWantCohen hashtag right after the Q3 call debacle). https://twitter.com/DOMOCAPITAL/status/1336446055685230592. You have no comment on a potential takeover involving Ryan Cohen, Justin after your hour-long googly-eyed call together? Can’t believe you’re just preemptively leaving the WSJ and Bloomberg hanging like that. Justin, I love you dude, but if I’m holding pocket Kings I’m folding after that tweet because that twinkle in your eye lets me know you’re about to drop two Aces on my ass. Anyway. Here is what our man Dopierala thinks might happen here soon (and he called this way back on November 17th- and sorry - no links here, per the mods, as apparently no Alpha must ever be Sought from these parts): I think a very likely outcome at this point is a majority slate next shareholder meeting where Cohen takes over BOD and then makes himself CEO. A majority slate proxy battle would require all institutions to call in shares and would force a squeeze. We’re intrigued, Justin. Please continue: If Ryan Cohen successfully negotiates a purchase price with the Board then the shareholders will have to vote on it. Unlike the proxy battle where Hestia and Permit were running a minority slate of directors, an offer to purchase GameStop would force institutions like Vanguard and Blackrock to call in their shares. By doing so, the shorts would be forced to close out their positions and GameStop would finally have the greatest short squeeze of all-time. Ironically, Cohen could use this opportunity to sell all of his shares and use the proceeds to entirely fund the acquisition of GameStop going down as the first person in history to acquire a billion dollar company... for absolutely nothing. In fact, his acquisition price would be less than zero. And now is when I get to speculate on what I think is going to happen here. But I do not necessarily think Cohen is going to put an offer to buy GME to take private. That would definitely trigger a MOASS, but I’m not sure I see it given the attorneys he’s hired and his recent buys up to $16 and the amount of cash that would take. Like Dopierala’s first comment, though, I think Cohen is going to nominate directors to replace nearly the entire Board of Directors with a vote happening at the annual meeting and once that Board is in place, they’ll appoint Cohen as CEO. And as Justin notes, if he nominates a majority slate of directors, shares will have to be called in to vote. And this vote and proxy battle will make the prior minority slate Hesita/Permit battle, and the tiny short squeeze that took place when that happened, look tame by comparison. Now everyone: get your calendars out. Because the date to nominate directors here is in Mid-March, and my super-smart corporate lawyer buds inform me that it’s standard practice to file about 7-10 days prior. So, if this actually happening, we should be seeing something on this by early March. But even though early March is now the mark on the wall, today’s insane price action caused me to think about all of this a bit harder and speculate a bit more. And a major h/t to my buds on the stocktwits board, especially u/rgrAi (@amarbar) for all the sharp analysis on this. But if you were Ryan Cohen and you knew this company was hugely undervalued and you had a high level of CONVICTION here and also knew you needed shareholder votes to sweep out these dumbasses and implement your vision—then how would you play this with the short interest here as crazy as it is? I’d keep buying. Why? Well, lots of reasons, you smart alecks. First, so I have more guaranteed votes (duh?). Second, so that when the building starts burning and short hedge funds run for the exits they find that a mild-mannered Millennial with super-good ideas has sealed off all the doors and windows. That’s gruesomely delicious, isn’t it? Why else, CPT? Well, finally, and maybe most importantly, because I would want to excite and delight all my fellow shareholders by triggering a slow-burn short squeeze, raising the SP significantly, so that I can once again make the point (as he did in the Nov 16 letter) that the incompetent management that caused a HUGE drop in SP following that utterly incompetent Q3 call and the shelf registration, had nothing to do with the SP increase that again happened once Cohen announced his intent and started buying. Not the console cycle, not the cost containment measures, not the buybacks and not the early debt reduction. Nope: rightly or wrongly, shareholders will see Ryan Cohen buying shares and the corresponding SP increase and everyone—especially all new buyers who are delighted at their good fortune and swept up by Ryan Cohen Fever 2021—will start getting #WeWantCohen tattoos on their ass they’ll be so happy. And all of us, newly enriched by Ryan Cohen’s Big Canadian Balls and tactical brilliance, will crawl over glass to vote for him over The Boomer Artist Formally Known As GameStop’s CEO. I could be very wrong on this last point in particular, but if we start seeing 13Ds drop here shortly, things should get very fun very quickly. Part 4: A Return to Our Short-Squeeze-to-Da-Moon Discussion: Who’s Side Are You Fucking On, Jim? Now, Jim, given the fast friendship we’re creating here, and all we’ve been through over the past 5000 words, I hesitate in bringing this up. But we’ve all seen the video, Jim. You know the one I’m talking about. Yes, the one where you actually tell the truth about how short selling hedge funds manipulate the market to knock down the price of perfectly good securities that many hard-working people invest in—many normal-ass people all assuming they wont ever have to Point Where On The Dolly The Invisible Hand of the Economy Touched Them. But that’s not life now is it Jim? And fuck those poor-ass rubes for not knowing how to play the game with you sophisticated Masters of the Universe, amirite? https://www.reddit.com/dashpay/comments/93evx4/jim_cramer_reveals_dirty_tricks_short_sellers_use/ https://dealbook.nytimes.com/2007/03/20/cramer-market-manipulato So where are you in this whole GME/Cohen story, Jim? You candidly (gleefully?) acknowledge that a prime strategy that shorts deploy is to spread negative rumors that are then amplified by Big Smart Trustworthy Financial Media Titans like yourself to shake out unsophisticated retail players like my Rocket Kids here—who because of their tiny paper hands and you mean short selling brutes often subsist on paste and paste alone. So for this particular security, are you the one helping with the manipulation and actively creating the “new truth” or are you just one of the Useful Idiots that these short sellers use to manipulate with an anodyne, TV media-ready comparison like: GameStop Is The Next Blockbuster? And how in the fuck does this fit into your Think Young(TM) project, Jim? Because if there is one thing that we over at WSB fucking hate, it’s a bunch of Manipulative Short Selling Boomer Fuckwads. Why on earth would a hip Young Thinker like you want to be included in that crew, Jim? And I know we’re all friends here now, Jim, but I need to push back a bit on some of what you said in that video in such a cavalier whatareyagonnado manner. So if I understand you, short and distort and fomenting negative reactions from retail players based on deliberately false narratives is illegal, but still easy as fuck to do "because the SEC doesn't understand it." But you fucking do understand it, Jim! So why are you helping those short and distorters break the law here? Why are you being such an obtuse dumbshit? Just check out what happens to the borrow rate and short selling every time there is any good news for GME: https://stocktwits.com/Slantedangles/message/264519950 (h/t @slantedangles). This manipulation isn't just happening with GME; it is happening everywhere. It’s baked into the cake. And that is pretty fucked up that we all just accept it because whatareyagonnado. I think that one thing that those of us who truly do Think Young(TM) have a hard time understanding is at what point in your lives do you Boomers all finally come to realize that it’s maybe time to stop playing the game like you have been? What point do you finally have enough where doing the right thing matters more than getting paid? Maybe start by telling the truth more often—and maybe don’t go out of your way to help those corrupt-ass hedge fund managers who continually fuck over average people merely because they were stupid enough to believe you all. What contempt you Masters of the Universe have for all of them—for all of us. There is a bigger story here on GME and this out-of-control short interest (naked shorting, counterfeit shares) http://counterfeitingstock.com/CS2.0/CounterfeitingStock.html than even Ryan Cohen and the inevitable short squeeze we’re about to witness here. And it begins and ends with people like you and Melvin Capital and Bank of America not giving a fuck about the rules while thinking you’re smarter than the rest of us who do—but who lack power to do anything about it. And you know what? Maybe you are smarter than us. You certainly know how to play this game pretty well, as that video shows. But if I know my old school 1980s movies like I think I do, this is usually the part of the story where the rag-tag kids from across the tracks come over to show you hubristic rich fuckheads what happens when you fuck a stranger in the ass. Now I myself have never dabbled in pacifism, Jim, so this isn’t too much of a stretch for me, but seeing that video of yours and seeing the insane short interest and all the manipulation here makes me want to burn the whole corrupt system to the ground—while barricading the doors to trap in those arrogant-ass short sellers who lie and cheat and distort to profit off average people. And though I’m certain that this larger battle is not driving him, maybe that result is one that Ryan Cohen wouldn’t mind too. Though he’s a polite Canadian and would probably just let everyone know that he’s not really mad, just disappointed. But me? I’m an Angry American and I say: Block the fucking doors and windows and light that shit up. So maybe this epistle will be useful for your Think Young(TM) project and cause you to reflect a bit more on what’s really going on out there with this whole GME thing and the likely illegal shorting that has driven the short percentage of float to these insane levels, drawing in new retail shorts too stupid to know what’s even happening. Or maybe it wont cause you to reflect in the slightest (count me as one of those cynical types that see your overtures to WSB as a transparent play for greater market share from the Young Crowd since your old-ass audience is dying and/or switching to bonds). But in a few months when all the Billy Ray Valentines and Louis Winthorpes assembled here are toasting each other in stupid shirts on a white-sand beach somewhere, we do not want you to look back on your knee-jerk boomer-ass dismissal of GME and your Useful Idiot blathering with that same tinge of regret and longing you feel when you look at a pre-Client 9 picture of you and your old roomie: warm-toes-and-hosiery-enthusiast E. Spitzer, Esq. In conclusion: GME = Blockbuster comparisons are for Simps and Corrupt Short-and-Distorters. Don’t be like them, Jim. And to my Rocket Children: the only weapon we wield in this stupid game is Diamond Hands with a float like this. Toughen the fuck up. And Happy Holidays everyone. --CPT Hubbard TL/DR: Jim Cramer likes farm-based idioms and apparently being a useful idiot to scummy short selling hedge funds. DD on the GME turnaround is solid and overleveraged short sellers should be shitting themselves. Ryan Cohen, our polite, hard-working Canadian benefactor is about to rip all our fucking faces off and trigger a MOASS. Probably even by early March, if that time is good for you (he’ll text before he comes). And fuck infinite regress: It’s rockets all the way down here. 🚀🚀🚀 Now: diamond hands, motherfuckers. **This is a shitpost and is only to be used as investment and life advice for Mr. Jim Cramer, Esq.
SoFi is going public via merger with Chamath's IPOE spac. Here are some SoFi catalysts to look forward to! Cash deposits! SoFi is in talks to roll out cash deposits. A cash deposit solution will drive increased adoption of SoFi Money over accounts at brick-and-mortar banks. Cash deposits are a big deal because they are the main sticking point for online banking holdouts. If cash deposits take the form of partnering with a national chain, that could also mean new Member benefits. Social Investing platform and Chamath as an Influencer SoFi Invest has a "Social Investing" feature where you can view the holdings, watchlist and performance of other Members (if they opt-in). From there, you can make follow on investments/watches, discuss investments, and leave emojis. Will Chamath join SoFi's social investing platform? Seems likely! He is the ideal anchor investor to promote the platform. The Social Investing platform gives SoFi a means of growing SoFi Invest by bringing notable investors (and their communities) to SoFi. In a hint of things to come, CEO Noto says "... we're on our way to introduce portfolios for those that you're following socially on our platform." This might mean one-tap portfolio duplication, or a form of MembeInfluencer managed portfolios. SoFi hiring favoring experience with social networks suggests that Social Investing will continue to evolve. SoFi Member Rewards aka SoFi Points Currently in Early Access, SoFi's Member Rewards program is expected to roll out to everyone in 2021!
The SoFi Rewards program allows eligible members to earn points through various account activities, and then redeem those points as the member sees fit across multiple SoFi products. You can redeem your SoFi Points into cash in your SoFi Money account, into Stock Bits in your SoFi Active Invest account, as an extra payment applied to your SoFi Personal Loan or SoFi Student Loan Refinance, or as a statement credit on your SoFi Credit Card--all from your phone.
This program will increase daily engagement and cross-buy of products. Resources: SoFi Member Rewards, Rewards FAQs. Not to be confused with existing Member Benefits. Bank charter SoFi received preliminary approval for their banking charter and is on the way to full approval. The charter will enable SoFi to lower costs and compete more aggressively. SoFi hiring is seeking to fill key banking positions. Targeting $1 Billion in 2021 revenue & full year profitability SoFi's target looks well within reach. They reported ~$200MM in revenue and a return to profitability for Q3 2020.
... pulled in about $200 million in revenue in the third quarter and also generated positive earnings before interest, taxes, depreciation and amortization and other exceptions, the first time it has done so since 2017, Noto wrote in a letter to shareholders last month.
per The Information. Credit Card Currently in Early Access, the SoFi Credit Card is expected to roll out to everyone in 2021! Credit Card FAQs. SoFi-as-a-Service partnerships SoFi's consumer digital banking solution is ripe for white label expansion with major brands. The 2020 launch of Samsung Money by SoFi gives a glimpse of the massive potential.
Samsung Money by SoFi is the new way to grow your hard-earned cash, letting you save, spend, and earn -- all in one secure place. Now available on Samsung Pay.
Look for more SoFi-as-a-Service deals as consumer brands and dinosaur financial firms seek to catch up. Not limited to banking services: In October, T. Rowe Price launched co-branded financial wellness offerings with SoFi. SoFi International Expansion SoFi's international expansion was announced in Q2 2020 with the launch of SoFi Invest in Hong Kong!
Obviously, we put a lot of thought into where we chose to go with our first international foothold, and Hong Kong made sense to us for several reasons. As one of the financial capitals of Asia and a global financial center, it has a strong base of both novice and sophisticated investors that would benefit from the innovation we could bring to the market.
Members in HK can trade over 15,000 US and Hong Kong stocks for free using the SoFi Hong Kong app. This is one of SoFi's "top of the funnel" feeder products. Look for HK offerings to expand. SoFi has long planned for international expansion. From targeting mortgages in Australia (old), expansion to Canada (old), Asia and Europe (old). As SoFi's feeder products mature, they will be positioned for fast international deployment. SoFi Stadium SoFi Stadium will drive brand awareness and accelerate trust building. These are both key for growth in consumer finance. Some major events are already lined up:
The state-of-the-art stadium re-imagines the fan experience and will host a variety of events year round including Super Bowl LVI in 2022, the College Football Championship Game in 2023, and the Opening and Closing Ceremonies of the Olympic Games in 2028.
Located in LA, this massive stadium is packed with benefits for SoFi Members, including line skipping, 10% cash back on concessions and merch, free bag checking, and an exclusive SoFi Member Lounge. SoFi was planning to IPO at the end of 2022, which we can assume was in part due to the expected Super Bowl bump. More info at SoFi Stadium. Member Experiences SoFi has hosted free in-person Member Experiences for years. These include social events at Top Golf, escape rooms, bars/dining and so on, as well as teaching events in line with SoFi's "Get Your Money Right!" ethos. There are big celebration events for Members who have paid off their student loans in full. When the virus put a pause to in-person events, SoFi expanded their digital experiences. Over 20,000 Members registered for virtual SoFi events in 2020! As virus re-openings expand, look for SoFi Stadium opportunities and Member Experiences to increase. Galileo SoFi is expanding their offers across Galileo's platform of 50M-and-growing accounts. Keep up with Galileo using their Resources page. Possible tax solution & other additions A couple months ago SoFi surveyed Members about a possible tax filing solution. Maybe it will launch for this tax filing season. At the start of 2021, SoFi asked for input on which new features to prioritize. Such as portfolio analytics, more advanced spend tracking, and debt repayment budgeting. SoFi continues to iterate and improve their offerings with a focus on the Member. More information SoFi's public listing via IPOE merger SoFi Investor Presentation IPOE / SoFi Introductory Presentation EDIT: A revised and enhanced catalyst DD has been posted here: https://old.reddit.com/wallstreetbets/comments/kvz9x1/sofi_ipoe_growth_catalyst_overview_extensive_dd/
** GIVEAWAY OVER CONGRATZ TO DrainedMind, jeffcojake, and pepsipgh** Slim pickins this week! Not a whole lot of studies in comparison to other weeks. GIVEAWAY I have 2 $10 Amazon Codes and 1 $4 amazon code. So 3 winners. Thanks to Get Upside. Use the referral link in the sticky if you want to see more giveaways. Lurkers can enter. Let me know what your new years resolution is, beermoney related or not! :) Ends Tonight EST Here are some craigslist studies going on right now. I plan to do these weekly or bi weekly. I do not post “Chances to win” as I believe that EVERYONE should be paid for their time so I only post ones where they pay everyone that qualifies. I sincerely hope this is appreciated as it does take me a bit to compile and sift through dead and garbage links and surveys. As always, if something sounds fishy, don’t do it. I can’t vouch for ALL the links. PRO TIP: For Research Studies in Your area that pay in cash (there are often quite a lot so too long and too time consuming to post everything from each state here. Would take me all day) go to your craigslist site and type in "research" or "survey" and look under community, gigs or jobs. FOR RESEARCHERS WHO COME ACROSS THIS POST: First, I hope you are able to deal with the amount of people contacting you. Unfortunately we have no control over bots or false responses. Second, would you please list more information in your craigslist post? Most of the studies I come across are missing valuable information, such as when the study starts, when it ends, minimum age requirements, location requirements, how you will be contacted if you qualify, how your information is protected, etc. Your research studies often are associated with "higher education" universities so it makes no sense why these details would be left out. Please be thorough so people here know what they are getting into and think of it less to be a scam. Most of these studies pertain to the U.S but there are probably a few that may take international participants if you ask. Online $10 Amazon Psychological Experiences in Young Adults $20 Amazon/Paypal/Venmo Going Through a Breakup $40 Amazon Credit Card Debt -- New Jersey Only $25 Amazon Children’s General Health $75 Amazon Focus Group on Transportation $25 Amazon Research Interiview $25 AMazon/Paypal/Venmo Effects of COVID on Mental Health $25 Amazon Budgeting & Financial Habits $25 Visa Grocery Shopping $125 Visa Logistics Coordinator $55 Visa Talk About COVID $200 Visa Internet Safety Kids 10-16 $150 Visa TV Viewing Habits $125 Visa Kid’s Thoughts and Feelings $100 Visa Shopping for Household Essentials In person $150 Amazon Marijuana and Stress -- Oregon
I am 24 years old, live off savings and go to Medical School (preclinical) in Wisconsin
I am currently living off accrued savings and funding my schooling. When I exhaust those funds, I will transition to loans. I have an incredible place of privilege as someone without undergrad debt, and parent-provided health insurance. PSA: I have an autoimmune disorder so I am pretty home-bound with COVID. Assets and Debt Retirement Balance: $1610 in a Target Date Fund. Saving + Checking account balance: $47900. I pay my tuition at the end of the month which eat up ~20k of this. Credit card debt (and how you accumulated it): Paid in full every month. Student loan debt (for what degree): None, coming soon. Income Main Job Monthly Take Home: $0 I do not currently work and live off saved income. I did not receive any scholarships and am unlikely to, as I do not identify as an underrepresented group in medicine. I budget $1200 every month outside of tuition payments which are made biannually. Side Gig Monthly Take Home I do surveys and research studies for extra cash (usually about $100 a month). IFYOU COMBINE INCOME WITH A S/O PLEASE INCLUDE ALL OF THEIR INCOME AS WELL Last summer I moved in with my SO, L. We do not combine finances, but we do split some costs. L wanted to live in a nicer apartment, but it was outside of my budget. To make up this gap he pays for the internet, electrici/heat, and renters’ insurance. We split groceries/Costco, gas, and eating out (reported below as total monthly expenditures). Tuition: ~40k a year Rent: $702.50 (my half, includes pet fee) Parking: $62.50 (my half) Retirement contribution: contributed $500 to my Roth in 2020. This is lump sum and I do not regularly contribute. Donations: I donate $50 every year to the women’s legislation advocacy group I interned with in Uni, I love their mission and WI state politics needs every bit of help it can get. Electric/Wifi: L pays Cellphone: On my mom’s business plan Subscriptions: Spotify/hulu : $5.99 (student rate) Gym membership: $3.99 (online due to COVID) Groceries: $200 Costco: ~$100 Gas: $20 Eating out: $150 Car payment / insurance: L pays Medical Insurance: On my dad’s, thanks ACA! He works in the hospital and has low deductible. As someone who regularly uses their entire deductible, this is invaluable. Medicine: $15 Dental Insurance: $14.99 with a $90 annual deductible NYT Subscription: $4 Tuition: $39600/yearly (this increases yearly usually by 3-5k yearly) Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances? Yes. My mom was very open about her finances and how everything worked. She came from a working-class family that did not teach her financial well-being and wanted her kids to be well equipped. Additionally, she is a worker’s comp attorney and emphasized supporting businesses that treat their workers well. She was very thrifty, but not afraid to spend on quality food and exposing my sisters and I to cultural things (museums, indie movies, symphonies). I think she taught us a healthy balance of saving, and spending. Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it? Definitely. Both my parents have doctorates and were the first of their families to attend college. College was a given and the discussion was a Masters/etc. My parents divorced when I was quite young. Part of their divorce agreement was my mom forgoing maintenance and instead had my dad fund up to 100k towards my sisters’ and I’s undergrad. This was in 2001 and she thought it would be more than enough. It turns out education costs skyrocketed and amazingly 100k is tight for education now. I knew from a young age I wanted to pursue medicine and that its expensive. I chose an in-state university for undergraduate and worked throughout to save. I took a gap year working in research and kept my part-time waitressing job to save during this time. What was your first job and why did you get it? My first job was as a banquet server when I was 15 making $11/hr. This was during the summer and I am pretty sure they skirted childhood labor laws as I would work 13-14 hour days without break coming home with achy feet and pulsing legs. Despite this $11/hr at age 15 was unheard of, so I stayed quiet and bought better shoes. Did you worry about money growing up? Yes, but not in the sense of security. My dad was chronically taking my mom to court over lowering his child support payments and this created a lot of anxiety around money and the power dynamics it involved. I had to unlearn these as an adult. Do you worry about money now? If I think about how much loans I will be sitting in 2-3 years I get a bit freaked out. When this happens, I remind myself to think long-term, and stick to my budget. At what age did you become financially responsible for yourself and do you have a financial safety net? I do not consider myself financially independent. My mom is my financial safety net. Do you or have you ever received passive or inherited income? If yes, please explain. I consider my undergraduate being paid a ‘living inheritance.’ My dad also gifted me $1500 when I graduated college, which I put towards medical school applications. Day 1, Sunday: 9:30am I hear my dog, Val, whining from his crate. It’s Sunday and L and I are a bit hung over from last night. Yesterday I drank 3 large glasses of red wine and my head is a bag of sand. I get up and let Val out. He is all grunts, stretches, and wags. We go back inside, and I let him up into our bed where he slithers between L and I to sleep. I take his lead and doze. 11am: I wake up for real and make myself a latte. L bought a fancy coffee maker for our new apartment last summer and it single handedly makes my mornings. I turned him into a coffee snob, as my mom turned me. I make eggs and toast while I read the NYT. 1pm I go to Walgreens to pick up my Rx and realize I do not have my new insurance card yet. The tech tells me they can give me a weeks supply for $75 and then reimburse me if I bring the card within a week. I do not think this will be enough time, and I really do not want to pay $75 for 7 pills. I call my dad, little sister, wait 10 mins and try my dad once more. No one picks up. Finally, I remember I have my insurance app on my phone, and I see if they updated card is on there—it is, VICTORY! I thank the tech for her patience and pay ($15). I try to return a Redbox DVD and learn that the box has since been removed from this location. It's Jan 2 and I feel like these unforeseen bumps are a definite foreshadow for the rest of the year. I google the next closest location and get in the car. 1:30pm: As I return the Redbox movie at a grocery store and realize we need Q-tips and grab those too ($1.33). I swing by a local Asian bakery on the ride home and get a BBQ sweet bun for me and coconut bun for L ($2.36). 2:00pm: I scoop up L and Val and we head to the dog park. Val loves the dog park, and it is as close to live entertainment as we get during COVID. Afterward we head to the grocery store ($21.33). 7pm: I had been cooking through Masala and Meatballs by Asha Shivakumar throughout break. Tonight, I am making the Lentil Risotto with Rainbow Chard recipe. I have some left over Obe Ata I use to marinate some chicken legs. L comes back from the gym and we dig in. Daily Total: $40.02 Day 2: 8:30am: I have my small-group self-directed learning session. I like my group and they are the only classmates I feel I actually know. Almost all our classes have been online and I know maybe 25 of my class of >150. We discuss health care costs and inefficiency of the US healthcare system. I resent my peers for not knowing what a deductible is, or how much an ER visit is, but then check myself as I know if it wasn’t for my disease, I wouldn’t either. 10:30: I meet with a potential mentor for our summer research program. I think she’ll be a good mentor and I love her work. 3pm: My Ulta package has arrived. I grew up as the family Tom Boy and did not have skin routines. Over winter break, I fell to my sister’s peer pressure and ordered a few of “The Ordinary” products. I review the alchemy-like packaging and get excited. 7pm: L goes to the gym and I do yoga. This is something I used to do regularly and have recently, let it die. My disorder can make your joints and limbs stiff and yoga helps. Afterward I begin making dinner. Khao Soi by Half Baked Harvest, but I sub chicken legs and thighs for meatballs. I also bought ingredients for Mango Key Lime pie with a pretzel and Parle-G crust. Both the Khoa Soi and pie turn out delicious, and I am thrilled. Daily Total: $0 Day 3: 8am-12pm: Lecture. The professors keep it lighter as we transition back into school, discussing food insecurity and the nutrients that make up a balanced meal. My brain is tired, and I am surprised by how quickly my mental stamina dropped over break. 12:30 For lunch this week we are eating leftovers from everything I made last week from Masala and Meatballs. I grab a slice of pizza and the left-over lamb curry and dig in. After discussing balanced diets, I feel a bit guilty about my choice of food, but my mother is Deutsch and her negative views on food waste are ingrained in me. 2:30 It is sunny out for the first time in days, and I decide to take Val on a walk. I put his rubber booties and coat on and listen to a ‘This American Life,’ podcast about a Birds of Paradise feather heist. It is ridiculous, eclectic, and entertaining. 5pm: A package from Gap arrives. My mom surprised ordered me a few things from Gap during their after-Christmas sale. She grew up in a house where she had a few sets of clothes and having her kids well-dressed is a pride point for her. I call her and do a fashion show for her and my sister. We decide what is worthwhile and what I should return. Daily Total: $0 Day 4 8am: Lecture. We are beginning to dive into the biochem portion of metabolism. I have dreaded this unit as I hated biochem in Uni and it is exactly as bad as I anticipated. The man teaching us is a classic PhD who spends 15 mins going over the minute details of metabolic enzymes and nomenclature. I wonder how this will ever translate to helping my future patients and silently scream. 12:30pm: I eat the rest of the risotto and cut up an avocado. I then make myself a third cup of coffee and check my emails. My blood draw has finally been uploaded to MyChart and I review them. I can finally interpret what my levels mean and it’s empowering! I see that my C3 levels are down and have been declining for a bit. Everything else looks good. I message my Rheumy to see if I should be concerned. 2pm I check my phone as I have been doing all day to see the result of the Georgia senate run-off. I see that, instead, rioters have stormed our capitol --what country am I in? I had planned to be productive this afternoon, but now spend an hour on my phone, scrolling through madness and elevating my nerves. 3pm: Rheumy replies that she would like to have my labs redone. I would rather not do this as new year, new deductible. Additionally, my dads in-network providers are all 1.5 hours away where I grew up. We decide I can complete them in two months when I am back home for different appointment. She is satisfied. 5pm: I do some Anki flashcards. I fought against these until we started the Renal unit and using them made my test score went up by 10%, and much as I want to, I cannot argue with that data. 8pm: L and I watch some Cosmos. I learn that honeybees are 95% female and I get irrationally annoyed that every cartoon bee is depicted as male. Honey Nut Cheerio guy, I am looking at you! Daily Total: $0 Day 5: 8am: I roll out of bed and put on a sweater so that my classmates cannot see my patterned PJs from Zoom. L and I did not get much sleep as we were discussing the events at the Capitol. L is an immigrant and the events of yesterday made me ashamed and embarrassed of my country. I am groggy and cranky for my small group session. 11am: I order two new pairs of jeans from Levi’s. I am definitely using shopping to distract from everything thats going on, but I don’t care. They are having a sale, and my favorite current pair have a hole by the crotch--how?! ($94.56). 2pm: I decide I will take Val on a walk to get me out of my moodiness and listen to another ‘This American Life’ podcast. The show’s celebrating its 25th anniversary and Ira Glass reflects on his radio abilities at 25. I wonder what it’ll feel like to look back at me at my current age, and what will have change. 4pm: Google Maps sends me an email about my 2020 timeline. Any other year I would love reflecting on all the different places I have been throughout the year, this year the email feels almost sarcastic. It is L and I’s 2-year anniversary tomorrow and I am not sure what we are going to do to celebrate. Finding ‘COVID-friendly’ winter date ideas is difficult and I feel out of creativity. Daily Total: $94.56 Day 6: 9am: I have anatomy, but I cannot focus. I had a dream about my friend, Z, who died suddenly this past summer in a hit-and-run. I can never decide if these dreams are a welcomed comfort, or a horrible reminder. Usually, they occur when I am anxious, and I think the events of yesterday are to blame. I feel like crying but instead try to focus on the anatomy of cranial nerves. 3pm My sister’s text me about my mom’s birthday gift and if we should get her lululemon leggings, a handmade pie plate, or candles and what everyone is willing to spend. My mom does a ton for my sisters and I, and I hate being cheap for her birthday. We opt for all three and my older sister Venmo requests me my share ($90). 8pm: L and I order pizza and lava cakes from my favorite local joint ($38.50). We pick up a bottle of Rose (L pays). We watch Catch Me if You Can. I reflect on our two years together and how met on Tinder (yes, I am that millennial). It is crazy to think about all that had to go right for us to get here. I am feeling very lucky. 11pm: While L is taking Val out, I rush to put on lingerie and some makeup for a bit of anniversary cuteness. I look in the mirror and am surprised to see a confident little sex pixie starting back instead of the grungy COVID mole I have lately resembled. I make a mental note to do this more. Daily Total: $128.50 Day 7: 10am: Bless the weekend for sleeping in. I use the time to scroll on Reddit, sip coffee, eat avocado toast and be general unproductive. After an hour or two of this, I do yoga. 1pm: We have a coupon for 2-for-1 coffee drinks at the shop in our apartment building and we decide to get warm drinks and take Val to the dog park (L pays). 3pm: I call my older sister as I fold laundry. She just started a new part-time job in the hospital and treats elderly COVID patients. Thankfully she is now vaccinated, which takes some of her, and my stress away. We discuss COVID, my dad, my stepmoms most recent dramatics, and politics—not the lightest itinerary, but we find ways to laugh about the chaos of it all. 7pm: L and I make momos for dinner. This is one of L’s favorite dishes but requires a lot of labor, so we make it together. Were out of chutney so I run to the store and grab tomatoes and peppers to make this as well ($4.12). We prep the dumplings and drink the rest of the wine. Daily Total: $4.12 Weekly total: $267.20 I definitely spent more than usual this week. My mom’s gift and my shopping therapy were atypical expenses that made up the bulk of my spending this week. Reading this I sound a bit downer-y, but this week had a lot of unexpected national events which weighed on my mood and affected my spending. That being said, all were necessary purchases, and I am happy with them.
Did I f*ck myself by giving the dealer 4/5 stars on a post purchase survey?
Bought a car, 3 weeks later get a call asking me to fill out the survey. I say sure, just kind of rush through it, 7s, 8s, 9s, randomly, all very high numbers mind you, 4/5 on the overall one. 20 minutes later I get left a furious message asking why I didn't give a 5. The next day I got a more relaxed message asking why I didn't give a 5 and if we could talk about it. I mean it was an adequate sales experience, but my socks weren't blown off. I flipping ordered the car entirely online, paid cash, then just came in and filled out paperwork with the finance guy, I was there about 15 minutes, maybe exchanged 6 words with a salesperson. Did I screw myself with interactions with this dealer in the future? Should I be worried if I have to take my car in, or just use another location entirely for warranty work? I was reading Hyundai really values straight 10s for salesmen and anything less is bad and I'm personally possibly at risk now.
SoFi is going public via merger with Chamath's IPOE spac. Here are SoFi catalysts to look forward to: Cash deposits SoFi is in talks to roll out cash deposits. A cash deposit solution will drive increased adoption of SoFi Money over accounts at brick-and-mortar banks. Cash deposits are a big deal because they are the primary pain point for online banking holdouts. SoFi-as-a-Service partnerships SoFi's consumer digital banking solution is ripe for white label expansion with major brands. The 2020 launch of Samsung Money by SoFi gives a glimpse of the massive potential.
Samsung Money by SoFi is the new way to grow your hard-earned cash, letting you save, spend, and earn -- all in one secure place. Now available on Samsung Pay.
Look for more SoFi-as-a-Service deals as consumer brands and dinosaur financial firms seek to catch up. Not limited to banking services: In October, T. Rowe Price launched co-branded financial wellness offerings with SoFi. SoFi Member Rewards aka SoFi Points Currently in Early Access, SoFi's Member Rewards program is expected to roll out to everyone in 2021.
The SoFi Rewards program allows eligible members to earn points through various account activities, and then redeem those points as the member sees fit across multiple SoFi products. You can redeem your SoFi Points into cash in your SoFi Money account, into Stock Bits in your SoFi Active Invest account, as an extra payment applied to your SoFi Personal Loan or SoFi Student Loan Refinance, or as a statement credit on your SoFi Credit Card--all from your phone.
Members earn SoFi Points by opening the SoFi app, using the credit card, and by use of other SoFi products. This program will increase daily app engagement and cross-buy of products. Resources: SoFi Member Rewards, How can I earn SoFi Points?, Rewards FAQs. Not to be confused with existing Member Benefits. Galileo Financial Technologies SoFi acquired Galileo for $1.2B in April 2020. From the S-4:
Galileo provides the infrastructure to facilitate core customer-facing and back-end capabilities, such as account setup, account funding, direct deposit, authorizations and processing, payments functionality, and check account balance features. Additionally, Galileo provides vertical integration benefits with SoFi Money. Since Galileo is a platform-based business model, we track the number of accounts, which is defined as an open account as of the reporting date. As of September 30, 2020, there were over 49 million total open accounts on the Galileo platform. We view total accounts as an important indicator of the number of Galileo’s customers' own customers who depend on the technology platform for a variety of products and services, including virtual card products, virtual wallets, peer-to-peer and bank-to-bank transfers, early paychecks, and real-time authorizations.
Galileo's clients include Robinhood, Chime, Monzo, Revolut, Dave, Klar, Greenlight, bitpay, MoneyLion, Remitly, Uala, Shipt, Tomo, TransferWise, and many more. Galileo is a core infrastructure provider to the global neobank/Fintech industry. SoFi owns 100%. SoFi is expanding their offers across Galileo's platform of 50M-and-growing accounts. Plug-and-play loans via API. Keep up with Galileo using their Resources page. Social Investing platform and Chamath as an Influencer SoFi Invest has a "Social Investing" feature where you can view the holdings, watchlist and performance of other Members (if they opt-in). From there, you can make follow on investments/watches, discuss investments, and leave emojis. Will Chamath join SoFi's social investing platform? Seems likely! He is the ideal Influencer investor to promote SoFi. The Social Investing platform gives SoFi a means of growing SoFi Invest by bringing notable investors (and their communities) to SoFi. In a hint of things to come, CEO Noto says: "... we're on our way to introduce portfolios for those that you're following socially on our platform." This might mean one-tap portfolio duplication, or a form of MembeInfluencer managed portfolios. This platform will increase trade volume by improving discovery andsocial proof. Screenshots of the platform with Member names censored: CEO Noto's top holdings, his recent activity, some engagement, and holding activity when merger news broke. SoFi hiring favoring experience with social networks suggests that Social Investing will continue to evolve. Bank charter SoFi received preliminary approval for their banking charter and is on the way to full approval. The charter will enable SoFi to lower costs and compete more aggressively. SoFi hiring is seeking to fill key banking positions. Targeting $1 Billion in 2021 revenue & full year profitability SoFi's target looks well within reach. They reported ~$200MM in revenue and a return to profitability for Q3 2020.
... pulled in about $200 million in revenue in the third quarter and also generated positive earnings before interest, taxes, depreciation and amortization and other exceptions, the first time it has done so since 2017, Noto wrote in a letter to shareholders last month.
per The Information. Credit Card Currently in Early Access, the SoFi Credit Card is expected to roll out to everyone in 2021. Credit Card FAQs. Financial Services Productivity Loop The "FSPL" is the core of SoFi's B2C products. From the S-4:
Our strategy, what we refer to as the "Financial Services Productivity Loop", is centered around building trust and a lifetime relationship with our members, which we believe will help build a sustainable competitive advantage. In order to deliver on our strategy, we must develop best in class unit economics and best in class products that build trust and reliability between our members and our platform. When we do this on a member's first product, and they later consider using a second product, they are more likely to start with our platform and we have a higher chance that they will select one of our products to meet their other financial needs. This results in delivering more revenue per member with no second member acquisition costs, resulting in higher lifetime value per member. This also reinforces the benefits of our platform, which simplifies the entire financial ecosystem for our members, helping them get their money right. We are able to use the increased profits to further improve member benefits and product experience.
SoFi seeks to fulfill all of a Member's financial needs in one super app. Here is a FSPL visual. How is it going? SoFi reports 24% overall cross-buy of products for Q3 20. They hit 69% for Home Loans. As SoFi's products mature and deploy, their cross-buy will continue to grow, while Member acquisition costs will decrease. SoFi International Expansion SoFi's international expansion was announced in Q2 2020 with the launch of SoFi Invest in Hong Kong.
Obviously, we put a lot of thought into where we chose to go with our first international foothold, and Hong Kong made sense to us for several reasons. As one of the financial capitals of Asia and a global financial center, it has a strong base of both novice and sophisticated investors that would benefit from the innovation we could bring to the market.
Members in HK can trade over 15,000 US and Hong Kong stocks for free using the SoFi Hong Kong app. This is one of SoFi's FSPL "top of the funnel" feeder products. Look for HK offerings to expand. SoFi has long planned for international expansion. From targeting mortgages in Australia (old), expansion to Canada (old), Asia and Europe (old). SoFi is positioned for international deployment. SoFi Stadium SoFi Stadium will drive brand awareness and accelerate trust building. These are both key for growth in consumer finance. Some major events are already lined up:
The state-of-the-art stadium re-imagines the fan experience and will host a variety of events year round including Super Bowl LVI in 2022, the College Football Championship Game in 2023, and the Opening and Closing Ceremonies of the Olympic Games in 2028.
Located in LA, this massive stadium is packed with benefits for SoFi Members, including line skipping, 10% cash back on concessions and merch, free bag checking, and an exclusive SoFi Member Lounge. SoFi was planning to IPO at the end of 2022, which we can assume was in part due to the expected Super Bowl bump. More info at SoFi Stadium. Member Experiences SoFi has hosted free in-person Member Experiences for years. These include social events at Top Golf, escape rooms, bars/dining, theaters, sport events, and so on. As well as teaching events in line with SoFi's "Get Your Money Right!" ethos. There are big celebration events for Members who have paid off their student loans in full. When the virus put a pause to in-person events, SoFi expanded their digital experiences. Over 20,000 Members registered for virtual SoFi events in 2020. As virus re-openings expand, look for SoFi Stadium opportunities and Member Experiences to increase. Apex Clearing Recognize that name from your brokerage tax forms? SoFi has a ~17% stake in Apex Clearing, which provides brokerage clearing services, margin lending, compliance, transfers, and more. From the S-4:
In December 2018, we purchased a 16.7% interest in Apex, which resulted in partial integration of the transaction clearing and asset custody functions integral to SoFi Invest. The investment has also enabled us to participate in earnings from Apex's customer base. As of September 30, 2020, our ownership interest in Apex was 16.8%. Our equity method investment in Apex primarily benefits us in two ways: First, it facilitates better planning, coordination and integration in the technology stack for SoFi Invest, which requires clearing brokerage services. Second, we benefit from the income earned on providing clearing brokerage services to other institutions, and earn fees for margin lending and pay-for-order flow, the latter of which consists of arrangements whereby exchanges and market-makers pay for routing them certain orders.
Apex's clients include Ally Invest, M1, Wealthfront, Stash, Betterment, and others. Learn about Apex Clearing's solutions. Future acquisitions Once SoFi's public listing via spac merger is complete, look for more strategic acquisitions. SoFi will be loaded with ~$3B in cash. Plus their newly public stock as acquisition currency. Strategic targets may include more infrastructure providers and geographically appealing startups. SoFi's entry into HK shows the global expansion model: Buy the local regulatory approvals overnight via a small startup, re-brand, and deploy SoFi's tech stack and talent. ARK Invest? SoFi has been on ARK's radar for years. It is assumed that ARK will build a position, which will blanket SoFi in ARK's halo. Possible buyers would be funds ARKF (Fintech), ARKW (Next Generation Internet), and perhaps the queen, ARKK. Coverage at https://old.reddit.com/wallstreetbets/comments/kta42h/ark_invest_interested_in_sofi_since_2018_buckle/ Possible tax solution & other additions A couple months ago SoFi surveyed Members about a possible tax filing solution. Maybe it will launch for this tax filing season. At the start of 2021, SoFi asked for input on which new features to prioritize. Such as portfolio analytics, more advanced spend tracking, and debt repayment budgeting. SoFi continues to iterate and improve their offerings with a focus on the Member. More information SoFi's public listing via IPOE merger SoFi Investor Presentation IPOE / SoFi Introductory Presentation S-4 filing with SEC Chamath's 1-pager on the deal
Dear Beermoney Global enthusiasts! This is the third post in the series of 'site of the month' and we will be introducing TimeBucks! The goal with these series is mainly to engage with the community and get a discussion going each time. Share your experiences with the particular site, good or bad and especially share in which country you live. That way it's clear to your fellow countrymen if the site or app is worth their time. Please try not to just state "it doesn't work for me" without any context or explanation, this does not help anyone. If you're stuck or need help this would also be the thread to ask your questions!
TimeBucks is one of the most under-rated GPT sites out there. It has a lot of unique features that no other site in the world has and they strive to be different to the rest of the bunch, plus all the usual surveys and offerwalls.
UNIQUE EARNING FEATURES:
Micro Tasks – TimeBucks has a Tasks section where users get paid to perform micro tasks such as following people on Instagram, liking photos, subscribing to YouTube channels, posting comments, sharing links, etc. This is also great for advertisers who need small tasks done online for a very cheap rate.
Signups – There is a tab dedicated to signup offers where you get paid to sign up to websites. This tab is very popular with advertisers as you can literally buy referrals for any website you want. The cool thing is you can also specify what kind of quality user you want. For example they let you buy signups from only users who have earned a specific amount of money.
Clicks – This is a simple pay to click section. All of the ads are owned by TimeBucks and are exclusive to TimeBucks only. Clicks range from 5 seconds to 60 seconds and users can earn a minimum of $0.001 up to $0.004 per click.
Push Clicks – The only site in the world to offer this feature, you can opt in to receive browser notifications every hour and you get paid to click on them. Users from tier 1 countries can earn up to $0.05 per click in this offer alone.
Slideshows – TimeBucks owns and operates their own slideshow website, that no other website in the world has. You can do 1 slideshow every 10 minutes, and up to 20 per day. Rates for US users are over $0.01 per slideshow.
Links – Ever sent your friends a link to a news article or YouTube video that you thought was cool? Did you get paid for it? No? Didn’t think so. With TimeBucks , you can monetise any link you want. Grab a link to a news article, generate their shortened link and send to your friends and earn! Their link shortener is super clean and not cluttered with spammy malware ads like all the others on the internet.
OTHER COOL FEATURES:
Daily Earnings Ladder – The top 5 earners each day earn a cash bonus. $20 for 1st, $10 for 2nd, $5 for 3rd, $3 for 4th and $1 for 5th
Weekly Referral Ladder – The top 5 users who have the highest referral earnings for users referred in the last week earn a cash bonus. $100 for 1st, $50 for 2nd, $20 for 3rd, $10 for 4th and $5 for 5th
Sweepstakes – For each task you do, you earn free sweepstakes entries. Even just got logging in and doing nothing you earn sweepstakes. At the end of the week, 50 random winners get selected and win a prize from a pool of $500.
Daily Goal Checklist – They have a daily goal checklist where if you complete 5 out of 6 goals, you win a cash bonus and 20,000 sweepstakes entries. Win it 6 days in a row and you win 200,000 sweepstakes entries plus Premium Membership for 7 days.
Premium – You can either pay $4.95 per week, or complete the 6 day checklist to get premium membership. With premium, you earn 25% extra for any task you do.
Earnings Coach for US users – For all users from USA, you get a dedicated earnings coach which is available in a live chat window. This coach is there to help you with earning on the site. He is also the top earner in history on our site and has earned over $10,000 doing surveys online, so you are learning from the best.
The highest rates in the world – You may have seen EngagedHits before? All other sites in the world pay $0.001 per video completion, TimeBucks pays $0.01 (that’s 10 times higher than all other sites in the world. What about Hideout.TV? TimeBucks pays 10% higher than the base rate. That means if hideout pays TimeBucks $0.01 per view, TimeBucks pays its users $0.011! Meanwhile most other sites pay their users $0.005 per view. So if you’re doing Hideout or Engagedhits on any other site in the world, you’re losing a LOT of money!
WHAT ELSE:
$1 Signup Bonus – You get a $1 signup bonus as soon as you sign up.
Great Referral Program – Earn 15% commission on anyone's earnings that you refer. You also earn 10% commission on any advertising funds added by your referrals!
Weekly Payments – $10 minimum payout and payments are sent weekly every Thursday.
How Perblue made me stop spending and why I feel relieved now
Some Background I have been playing DH daily for quite a long time. My current player age is 905 days so in my 3rd year. I came from a different game and DH really pulled me in. Collecting heroes, make them stronger, combine them to create synergies... it was awesome. To get some diamonds I did surveys, played other games to a certain level but at a point I started spending. Buying a deal now and then helped me get stronger and stronger and eventually I ended up in the top guild of my server (S11). Every new hero was so strong that you had to have it to be able to compete. Jack Sparrow and later Ducky and Bunny could decimate whole arena teams so more deals were needed to keep them maxed out in terms of skills and badges. Many, MANY new and overpowered heroes followed. In the meantime I got one of my sons to play as well and later on my wife also got hooked and started spending money on the game and we did all purchases via my PayPal account. I even bought some deals now and then for my son. At one point we were all in the same top guild. Being the top guild we always won our guild wars and we pretty much always won the guild contests and also the individual contests were good. For me the top 1% rewards were the sweet spot between spending resources and getting rewards. Initially the top 1% rewards meant I had to be around top 200 in that contest. As time moved on and the game became more pay2win (which is all good and is inherent to online games like this) the population started to dwindle. Making top 1% in contests was becoming harder and required more effort (read: resources or money). Up to a point where making top 1% meant you had to be in the top 80 for a contest! A little rough math tells us that: - top 200 being top 1% > approximate active server population = 200 * 100 = 20.000 - top 80 being top 1% > approximate active server population = 80 * 100 = 8.000 This means that a LOT of people already quit playing on my server. Server Merge 1 So, the population was going down rapidly and Perblue decided to start doing some server merges. Coming from Server 11 we merged into Server 9 with some other servers (think it was 10, 11 and 12). There was more competition, also among the top guilds so guild wars were more interesting. Guild contests were also more challenging but the individual contests were a bit easier again as, once again, I could get top 1% with reasonable spending and it required me to be approx. top 180. Spending money With the level of new and powerful heroes Perblue pumped out, spending became a regular thing and while I agreed with myself not to buy the €50 or €100 deals I bought pretty much all the €5 deals and some of the €10 and €20 deals if they were really good. I guess I was spending between €50 and €100 every month and just by getting the stamina deals I was able to keep up a good amount of heroes and also max out new heroes. The number of heroes (mainly old ones) that were not updated grew larger as that would require even more money to spend. As the hero ranks kept rising it also became more expensive to max out 1 hero. It now required buying about €15 - €20 worth of stamina deals to max out the badges of a single new hero. Going from a white hero to a Red17 hero now takes such an incredible amount of badges and gold that only serious spenders can do that. Free2Play players have no chance of maxing a new hero and I believe this is one of the reasons why the population keeps going down. The gap between free players, mild spenders and the whales is tremendous! Server Merge 2 We could notice that the population was going down again on Server 9 as it required a higher and higher position to make the top 1% reward. Perblue announced another server merge and this time we were joining the good old Server 1. My son already stopped playing for a long time and my wife no longer had fun and only logged in after the server merge announcement so I could get all items on that account by consolidating her account into mine. Her account was VIP14 and my son's account was VIP10. My main account is VIP16 and very close to VIP17 and ALL payments on these accounts were done via my PayPal account. All those VIP levels together is a LOT of money spent! Shortly after the merge was done I filed a request to merge the other 2 accounts into my main account. Since they were no longer played and I paid for all the stuff it would be nice to get all items on my main account. After a while I received an e-mail from support that the request was denied because it is not allowed to share accounts. I replied that, since I paid for all items on all 3 accounts, I am the owner but my tickets kept being closed. Desperately I asked for Polaris to reply as she would surely see my point and let the consolidation go through. Sadly though, she said the same as the support person and they were not going to consolidate the accounts into my main. Period. Stopping all spending I was really angry at first and told them that I would stop spending if they did not help me with this. That didn't impress them and further tickets kept being closed but I was adamant and have not bought a single deal since. I really could not believe that they didn't care about losing a regularly spending customer and would rather drive me away from the game than consolidate the now inactive accounts into my main. I totally understand that it is not allowed to merge accounts of a third party person that may have retired already but the accounts of my family for which I paid is a different story and it was just a matter of Perblue being stubborn and arrogant. In the meantime they actually consolidated accounts of other guild mates whose family member stopped playing so I really don't understand why they refused my request. My best guess is that they did not want all the diamonds and VIP levels from the other accounts to move over to mine. My account can still last for a little while as I have quite some surplus resources but I know that I will be done in a few months. Not being able to max out the new and overpowered heroes like recent Kermit will be a pain when fighting Coliseum and Arena lineups that have them. Why I feel relieved now So, initially I was really angry and still desperately hoping they would consolidate the accounts but actually after a day of having accepted my DH fate I felt relieved. At every deal I bought in the past year or so I actually felt bad after as I saw people around me retire and the server population dwindling. Deep down I felt that this game would come to an end at one point. Server merges will continue to happen until there is 1 server remaining where all the addicted big spenders will be. They will spend until the population on that last server is so low that the game is no fun and at some point the plug will be pulled. However, I realize now that Perblue may actually have done me a favor to make me stop spending any further money on this bottomless pit. I don't even want to talk about all the despicable things they do in the game like putting badges in the badge bazaar that cost 35k diamonds(!!) among badges that cost more badge tokens so unwary players may spend a fortune on a single badge. They have done so many things to trick us into spending more during contests and while the costs for everything in the game went up insanely, the rewards in the contests stayed more or less the same. While I really love the game and the potential it has I'm happy I will be out soon. It's too obvious that the success of the game made Perblue arrogant and way out of synch with the community. I've met many awesome people and love the guild I am still in but when I will throw the towel in the ring in a while, I will enjoy the extra spare time and the extra cash that I will spend on something more lasting that this lovely game that Perblue is destroying.
Context: https://shambhalalinks.blogspot.com/2019/09/httpswww.html December 16, 2020View this email in your browser Dear Shambhala Community — The Board would like to offer the following in regard to topics on which we have received many questions and comments since our last update and that are of particular significance to the community. Governance Matters We have been asked by centegroup leadership, the community and the Sakyong Potrang to articulate our view of the role of the Sakyong, the relationship of Shambhala to the Sakyong Potrang, and related matters. We have spent a great deal of time on these issues, sought independent advice, interviewed many, reviewed the results of the survey(s) (see below), had in-depth meetings with the Process Team Government Models Group, and examined in detail what has worked or not worked in the past. The Shambhala Board recently surveyed our community’s leadership and understands that the majority of leaders believe that we need to have governance changes in order to have decision-making that reflects the best interests of all parts of the sangha. We believe such changes would: assure the continuity of care and healing initiatives; help restore the reputation of Shambhala; and ensure Shambhala’s sustainability in the future. Our policy views as presented in our August Update and at our October webinar for leaders, appear to have wide support among the sangha. Over this past year, the Shambhala Board has communicated these views through discussions and in writing to the Sakyong Potrang Board. In July, we sent the Sakyong and the Sakyong Potrang a list of legal and charitable status concerns about Shambhala USA, Shambhala Canada, the Sakyong Potrang USA and the Sakyong Potrang Canada. In October, the Shambhala Board sent a comprehensive proposal to Sakyong Mipham Rinpoche and the Sakyong Potrang Board with a proposed restructuring for a more independent Shambhala Board, the role of the Sakyong, and resolution of many issues which have divided, and could continue to divide, the sangha in its recovery and revitalization. It remains our intention to continue working with the Sakyong Potrang and the Sakyong on a way forward. We know you will all have many questions, and we will continue to communicate with you about these efforts. Practice and Education Recently, the Shambhala Board learned that Acharyas and Shastris will no longer be authorized to give the vows and lungs that they previously could give, and that the Sakyong would be offering teachings that started in November called Foundations of Dharma and Refuge. This course, which is being offered outside of Shambhala, includes refuge vows with the Sakyong, and a subsequent course will offer the bodhisattva vow. We are getting many questions about the meaning of these decisions. Like many of you, we were not informed in advance of them. We are deeply concerned that these decisions, when combined with the resignation/retirement of many Acharyas and Shastris, have already led to the cancelation of scheduled vow ceremonies, and will result in a contraction of access and opportunity for many in the sangha who do not wish to study with the Sakyong. We seek to ensure that opportunities for study and taking vows are not reduced within the sangha and will explore opportunities for those who are not studying with the Sakyong. Care and Conduct We have taken steps recently to try to mitigate the impact of past harm, and avoid recurrence of harm in the future, by initiatives such as the Right Use of Power training, the new Code of Conduct with its training and recruitment of Panel Members, our community grants program , and the recently announced Therapy Offering. We are now considering other initiatives depending on feedback, the continuing impact of COVID-19, and funding. We have recently learned of reports of harm that apparently were not earlier reported. The Shambhala Board acknowledges issues of members being harmed in the community have not been fully addressed, and we are further exploring a path forward. The Shambhala Board apologizes if we have contributed in any way to any person’s being badly treated and then ignored. We recognize that this applies to individuals and groups on all views of their relationship with the Sakyong and the organizations. We know that these issues have made it very difficult for some, whether they felt safe to stay in the Shambhala community or whether they felt they had to leave. We recognize that the care and conduct initiatives are only part of an offering to heal. We must continue to work on these issues, which are important for the organization as a whole. We are considering what can and should be done further with a renewed awareness. We are happy to receive your ideas and proposals on future actions. Recent Shambhala Board Decisions: Sent a proposal for governance changes to the Sakyong Potrang and the Sakyong Mipham Rinpoche. (As described above.) Completed a new employee Handbook for Shambhala USA and Shambhala Canada. Issued a comprehensive Annual Report for 2019 with the expectation that Shambhala will continue to publish one annually. Continued to fund community and diversity grants. (See Community Grant Recipients below.) Began to define “What is a Shambhala Center” and address policies regarding centers or groups wishing to dissolve or suspend operations. Went forward with a Therapy Offering for sangha members who have experienced harm and leaders wanting counsel. (See Care and Conduct Update below.) Created, distributed and analysed a comprehensive survey of global leaders on the state of their centres’ finances, online offerings, relationship with the Sakyong and other priority issues. We also interviewed 15 centres globally in-person concerning the survey questions. (See Survey to Leaders below.) Went forward with selling the parcel of land behind the Windhorse Retreat Center, which had not been used or developed, with the proceeds to benefit other centres. (See Windhorse Retreat Center Land Sale below.) Developed and approved priorities and allocations of resources in a 2021 Budget in response to a Shambhala Global Services (SGS) strategic planning model. Work with Shambhala Leaders October 11 Shambhala Board Webinar with Leaders The Shambhala Board had a webinar with global leaders on October 11 to both provide an update on governance, community grants, leadership surveys, advanced programming and care and conduct issues as well as to have breakout rooms to discuss current issues with our centres and groups. Please click here to view the webinar recording that includes the Shambhala Board updates with the breakout rooms summarized at the end of the recording. Survey to Leaders The Shambhala Board and Shambhala Global Services (SGS) sent out a 33-question survey to our global leaders in October. We asked each centre or group to make one inclusive response. 110 centres or groups sent in a completed survey. The Shambhala Board and SGS members also conducted in-person interviews with 15 centres globally. We are very grateful for the time and effort all of our leaders spent making considered and thoughtful answers. Please find here a link to our general summary conclusions and the tabulated survey responses. The Board is working not only on refining the results but also making recommendations on which we will continue to report in future updates. Process Team’s Sense of Shambhala Survey The final part of the Process Team's Sense of Shambhala Survey report is now complete and can be found on the Process Team Website. Part 4 analyzes the open text responses of the 3,093 Shambhalians who answered the survey in early 2020. The range of comments made about practice and study, Sakyong Mipham Rinpoche, our organization and our community relationships reflect the diversity of our views and experiences and the depth of our common connection to Shambhala. Care and Conduct Update We are pleased to announce, as part of the Reparative Process for Shambhala, we will be partnering with Robert Wright, MSW, RSW, Executive Director of the Peoples' Counseling Clinic (PCC), to pilot an ongoing Therapy Offering and Counseling Program for Shambhala. It is our hope that an offering of counselling and therapy will contribute to a healthy and vibrant Shambhala community, as well as provide individual support for community members in their healing journey. This offering was designed with the valuable input from community members with a trauma and therapy background. Please click here to view the informational e-mail which was sent on December 8. Recruitment for Code of Conduct Councils and Facilitators The Code of Conduct Support Group is currently finalizing the Code of Conduct Procedures, as well as related training and position descriptions for Code of Conduct facilitators, councillors and support people. An announcement to begin recruiting for these positions is forthcoming. Community Grant Recipients We are pleased to give an update on the first round of community grants. In our June Board update, we announced the first three grants, which were awarded to The Touching the Earth Collective ($22,000 USD), Expansion of the Shambhala Art Heritage Teachings ($7,014 USD), and the Technical Upgrade of the Shambhala Archives Data Management ($12,800 USD). Please click here to read more about these previously funded projects. Since our last update, from the first round of three grants these additional four have been approved: Addressing Bias & Trauma — $8,350 USD. Mindful Connections for Trauma-Sensitive Practices (MCTSP) pilot. Awareness Raising Officer Training — $7,500 EUR / $8,500 USD. To create a safe space where participants can explore our Shambhala culture, share personal experiences and discover blind spots. Establishing the Path of Inclusivity Warriorship & Social Liberation — $7,800 USD. This initiative develops the Path of Inclusivity Warriorship — life training in how to create brave and caring environments that welcome everyone. Shambhala Archives Phase 2 - $13,072 USD. Database entry of the collection into the new database, digitization and data entry of analog audio and video assets. A total of $79,536 USD was awarded to these seven first round projects. We are also pleased to announce the results for the second round of community grants focusing on diversity and inclusivity. Please click here to read more about all proposals that have been approved to date. In this second round, the projects awarded with funds are: Examining Whiteness:$3,900 USD - Examining Whiteness with the heart of Warriorship and the Four Dignities of Investigating Whiteness and Racism. Workshop on White Identity: $3,500 USD - Exploring Whiteness and how it shapes individual interactions. Enhancing Spirituality and Social Justice for Sustainable Change: $1,500 USD - This project provides spiritual & self-preservation resources for BIPOC people and promote more racial diversity and inclusion. Mindfulness and Attachment-based parenting: $3,560 USD - Incorporating evidence-based mindfulness, attachment, and trauma-informed parenting principles to serve high-risk, single mothers of very young children and further parenting discussion within the Shambhala Center. Lu-Collective Active Peace Circles: $5,500 USD - Configuring an Active Peace Circle – restorative justice framework – and addressing a case of conflict within our Center. Letter Writing Campaign to End Violence Against Black People: $3,000 USD - Using contemplative practice, writers are encouraged to identify incidents of violence against Black people and to connect with their feelings about it. The total amount of funds granted in this second round is $20,960 USD. We thank all of the individuals and groups who submitted proposals for grant funding and for the amount of energy and work that everybody has put into each project. Third Quarter Financials We are pleased to present the Q3 financial report to the community. These results are for Shambhala Global Services (SGS), which represents a portion of our global Mandala. For a refresher on what is included in SGS click here. The first nine months of 2020 presented many challenges for SGS due to the COVID-19 pandemic and the continued challenges faced by the Shambhala Community, all of which impacted revenues and activities. SGS had Net Income of $33,198 through September 30, which is 51% below the budgeted goal of $65,634. We expect the macro environment to be challenging for the rest of 2020 and into 2021. Based on our results for the third quarter and current trends, we expect to end the year with a loss. While the loss this year can be covered in part by restricted giving and by cash reserves, we will continue to manage with the objective that expenses must be covered by operational revenues so the reserves can be used for strategic projects, long term investments for the community and to avoid falling back into debt. Click here to view the September 30 Statement of Activities and Q3 Balance Sheet. Planned Giving To Shambhala We are pleased to announce that a new planned giving website for Shambhala community members in the U.S. is being launched. This website has helpful information about making bequests, as well as other ways to support Shambhala with planned giving. This project has been in development since 2019 and we hope it will be of benefit to those of you who are interested in planned giving. Please click here to view the new website with further details. We will be working on further developing planned giving resources and support materials for Shambhalians in Canada, Europe, and other parts of the world, but this is quite complex as the tax laws and planned giving structures vary greatly from country to country. We hope to be able to provide this level of planned giving support to all community members over time. Windhorse Retreat Center Land Sale The Shambhala Board will move forward with an offer to buy 33 acres of land in Plymouth WI adjoining the regional Windhorse Retreat Center, which suspended operations this last year. The land will be sold back to the original owners for the same price paid in 2005 and to support their purpose to use the land for educational purposes. We have consulted with the city centers in the midwest region as well as the major donors for the original land purchase, and in conjunction with their wishes, we will use the estimated $100,000 proceeds to support other Shambhala retreat centers, city centers that are struggling, and regional needs. Shambhala Mountain Center Update We continue to work with Shambhala Mountain Center on their recovery from the recent wildfires. For the latest information about SMC, please continue to visit their website. We recognize that several structures that were destroyed or damaged were on Shambhala USA land. The Shambhala Board is actively engaged in the process with SMC in deciding how, when and what to rebuild. Virtual Cushion & Virtual Chöling Virtual Cushion is a new, online gathering place for completely new meditators through to seasoned practitioners. Hosted by Shambhala Online, Virtual Cushion features information about Shambhala Centres and Groups from around the world who are offering Learn to Meditate courses, open houses, one-off meditation and sadhana sessions (public chanting practices), discussions, and programs that can be accessed virtually, no matter where you live. For Vajrayana students, be sure to check out Virtual Chöling - a calendar of free, daily virtual Vajrayana practice sessions. Any Vajrayana student or centre is invited to host a practice session. Virtual Choling is a gathering place for all of us around the world to deepen and connect with our practice and each other. We are looking for more centres, groups, and teachers that want to participate in both Virtual Cushion (for public programs) and Virtual Chöling (for Vajrayana programs). To get involved in either effort (by hosting a session or having your already-occurring sessions and programs published), contact [[email protected]](mailto:[email protected]). Appointments & Departures Departures: Veronika Bauer has retired from the Boards of Director of Shambhala USA and Canada; she remains as “Special Advisor” to these boards. Konstanze Brockstedt has retired as director of Dechen Chöling after her seven-year term of service. Eve Rosenthal has retired as an acharya. Nick Kranz has resigned as a shastri. Charlotte Linde has resigned as a shastri. Tessa Watt has retired as a shastri. Felicja Hartman has stepped down as Amsterdam Shambhala Centre Director. Lauren Newton has stepped down as Austin Shambhala Center Director. Miles Parker has stepped down as Kootenay Shambhala Centre Director. Appointments: Amsterdam Co-Directors: Aart-Jan van de Pol and Ralph Wieske Austin Center Director: David Maynard Kootenay Shambhala Centre Director: Cameron Wenaus Veronika Bauer --- Retired from Shambhala Board and Director of Europe Positions With great appreciation, we want to give all our thanks to Veronika Bauer who has worked on the Shambhala Board since 2018 at the same time she was the Director of Europe. Not being able to envision being without her strong financial, consulting, and insightful work, she will continue as a Special Advisor to the Shambhala Board to work on specific projects on a request basis. On the Shambhala Board, Veronika was the co-chair of the Finance Committee and worked on revenue generation issues, technology, and many other areas. Veronika, as the Director of Europe, worked with all European leaders and centers, brought in financial discipline and helped with Dechen Chöling. Veronika has always brought her cheerful, strong and incisive abilities to all she did. We wish Veronika everything good with her having more time to be with her family, her new leadership role on her local school board and her professional work. We wish you all a Cheerful Children’s Day and nyida time. May we all be safe and well in this time of the pandemic and continue to be of service and help to all. In the Vision of the Great Eastern Sun, The Shambhala Board of Directors Mark Blumenfeld Phil Cass John Cobb Susan Engel Lilly Gleich Peter Nowak Tai Pimputkar Susan Ryan Paulina Varas
If you’ve ever worked in a job that you didn’t enjoy, you’ve likely thought about entrepreneurship. I often dreamed of being my own boss and working from home, but back then, I had the mindset that you needed a lot of money to start a business. Luckily, with advances in technology, it is easier and more affordable than ever to launch a business from home! In today’s post, I’m covering six ways you can start a business with no money!
Digital Side Gigs If the web were around when I was younger, I would have spent so much time testing out different digital side gigs. With digital side gigs, you can complete various tasks like taking surveys, testing websites, offering advice, answering questions, completing administrative tasks — the possibilities are endless!
While you’re not going to get rich completing micro-tasks, it’s an excellent way for you to start making some money on your own terms. It also gives you experience, and it doesn’t take any money to get started! Here are some of my favorite digital side gigs to check out: Fancy Hands: Hires freelance virtual assistants to complete one-off tasks like research, appointment setting, and answering emails. Each mini assignment pays between $3-$7, and payments are distributed every other Tuesday. Fiverr: Fiverr is an online platform where you can sell mini freelance services like designing a logo, writing an advertisement, editing a photo or video, image creation, voice-overs, and so much more. With Fiverr, most gigs are priced at $5.00, which means you’ll earn $4.00 after they take their 20% cut. While this may not seem like a lot of money, some Fiverr freelancers have been known to rake in six-figures a year! InboxDollars: InboxDollars allows you can earn cash for surveys, reading emails, playing games, redeeming coupons, searching the web, and shopping online. Membership is free, and you’ll receive $5.00 for signing up. Payments are made via check. InboxDollars, which is part of CotterWeb Enterprises, Inc., has an A+ rating with the Better Business Bureau. Just Answer: JustAnswer hires independent contractors in various niches (lawyers, nurses, doctors, mechanics, tech experts, etc.) to share their expertise and answer questions online. They currently have an urgent need for experts in the areas of appliances, computers, electronics, finance, and veterinarians. Must be from the US or Canada, and payments are distributed via PayPal monthly. Swagbucks: Swagbucks is an online platform where you can earn points called SB, which can be redeemed for gift cards from Amazon, Target, Starbucks, PayPal, and Walmart. You can easily earn SB points by watching videos, playing games, answering questions, shopping online, and even surfing the web using their toolbar. Refer your friends, and you’ll earn even more SB points. Swagbucks also gives you a $5 bonus for signing up! User Interviews: User interviews recruits individuals from around the globe to participate in surveys, focus groups, and website testing gigs. Most studies take between 30-120 minutes and pay between $40-$200 per study. While digital side gigs may not seem like a lot of money initially, every little bit adds up! One entrepreneur I know, Lori Cheek, has been able to use side gigs to fund her dating app business. You can read about her success with side gigs here.
Start a Blog for Free
Obviously, I’m a huge advocate for starting your own monetized blog. However, it does become a bit tricky when you’re trying to do it for free. First, you have two options for getting started – you can either use the free WordPress option, or Blogger, which is a commercial-free platform. Both have similar features regarding functionality and design, and both can be monetized, but only through their respective ad networks. What this means is that you’re able to monetize your blog, but only by using WordAds or Blogger’s Adsense ads. WordPress does allow affiliate marketing on their free platform — as long as you comply with their terms. Using a free platform may limit your earning potential, but it gives you the initial foundation for building an audience. Once you have a little bit of money rolling in, you can easily transfer your blog over to the paid version of WordPress, where you will be able to monetize your blog any way you want. You will need some tools to get started, but here is a list of my favorite free blogging tools for beginners: Elementor – Free design plugin Sendinblue – Free email marketing service Elite Blog Academy – 20 free WordPress plugins
Provide Child Care Services
As a teen, babysitting was my bread and butter. I’d babysit my dad’s co-worker’s kids, neighborhood kids, my siblings, as well as children from the church we attended. It was an easy way to make extra money, and obviously, I didn’t spend a dime on advertising my services. While most of my clients were from word of mouth referrals, I was also able to offer my services on the local bulletin board at our church. You, too, can make good money by offering your services as a nanny, babysitter, or elderly caretaker. Gather up some positive referrals from friends and family members, and then spread the word that you’re open for business. Places like Facebook, Craigslist, and local bulletin boards are great places to promote your business and, they’re free! You can also check out on-demand platforms that connect caretakers with caregivers. If you choose to use these platforms, they’ll take a small percentage of the total transaction fee. Bambino; Care; Sitter; Sittercity; Task Rabbit; UrbanSitter; Of course, you can use this same business model to start almost any service-based business for free. Here are a few service-based businesses you can start with zero money, or you can use an on-demand app to connect you with potential customers: Dog Walking; House Cleaning; Laundry Services; Meal Prep; Pet Sitting; Yard Work;
Provide Freelance Writing Services
You don’t need to be an English major to be a freelance writer; in fact, this is an excellent way to make a living if you enjoy writing – and the more you write, the better you get. While I’m not an advocate of selling yourself short or devaluing your worth, there is a time and a place for freelance job sites. These sites are job boards for freelancers and businesses; it is a place to connect, shop around, and, most importantly, get some money into your pocket. While many of these sites may offer smaller payouts, they are a great place to gain experience and build up your portfolio. Freelance Job Boards: BloggingPro; Constant Content; Copyify; Craigslist; Guru; MediaBistro; Problogger; People Per Hour; Profinder by LinkedIn; The Work at Home Woman; Toptal; Upwork; Workhoppers; After you’ve been freelancing for a few months, you should have some good samples, testimonials, and experience that will give you the leverage to start going after better-paying clients. Remember to set up your digital footprint from the beginning; social media sites are free to join and are great for building your customer base. Not a writer? No problem! Most of these freelance sites have gigs for proofreaders, bookkeepers, graphic designers, virtual assistants, editors, transcribers, and so much more! If you have a professional skill that you can offer to the public, use this free business model to start your own freelance business.
FREE Internet Business Opportunities
While most direct sales and internet business opportunities have a small startup fee, there are a few that do not. Each company allows you to set up shop online for FREE. Then for each item that is sold through your shop, you’ll earn a specified commission. Country Scents – Candles, Melts, and Home Decor; fibi & clo – Sandals and Accessories; J. Elizabeth – T-shirts and Tanks; Kaeser & Blair – Promotional Products; Mayvenn – Haircare Products; She Anna Bella – Jewelry, Handbags, and Scarves (Canadian); StyleChest – Clothing; Stylevate – Clothing; Teespring – Graphic Tee Shirts, Bags, Pillows, and Mugs; Wink Kitten – Sells fake lashes.
Sell Stuff For Money
You can pretty much sell anything online nowadays, from old clothing and books to CDs, DVDs, games, toys, printables, art, crafts, cars, and so much more. To get started, look around your house to see what you’re no longer using, use the platforms below to sell your unwanted belongings, and cash in! Sell Stuff Online: Amazon – Anything; eBay – Anything; Gazelle – Electronics; SellBackBooks – Text Books; thredUP – Clothing; Meet In-Person to Sell Stuff: Craigslist; Facebook Marketplace; OfferUp; VarageSale; Design and Sell Things Online: Absolute Arts – Art; Creative Market – Stock Photos, Printables, Templates, and Fonts; Saatchi Art – Art; Society 6 – Everything; SpreadShop – Tee Shirts and Merchandise; Teespring – Apparel, Home Decor, and Accessories; While selling items might not seem like a business, some individuals turn it into one by reselling. Often called retail arbitrage, this is where individuals buy something for cheap and then sell at a higher price for a profit. Don't forget to upvote post, if you liked it. Source>>> HearMeFolks (Join Us Here)
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