Bitcoin Stocks to watch for 2019 - Awesome Penny Stocks

Recessions, financial savings and retirement

If you're on reddit you're probably a millennial or gen z and you're likely gen 1 or gen 2. Most hmong parents arnt the most financially savvy people out there so I thought I'd post this in hopes that it helps some of yall out.
The current situation should be reality check that highlights 1 thing for our generation:
Have enough cash and investments to support yourself
If you're a millennial this is probably the 2nd major recession in your working career, all within the span of less than 15 years. If you're just entering the job market then prepare for losses, wage cuts, uncertainty and wage stagnation for perhaps years to come. Recovery will happen, but unlike the stock market the economy usually lags.
  1. Save enough cash to support yourself - 3 months minimum
Savings: At a minimum you should have enough cash to cover 3 months of costs in case of job loss. However, this is really the minimum you should strive for before thinking about investments. I'm personally more comfortable with 5-6 months of expenses and even more if you own a house.
  1. 401k, HSA There are probably more plans out there but these are the two most common. You should be maximizing your contributions up to whatever the company match is. If you're young and healthy, you may want to think about actively managing both and changing the funds to support higher growth.
401k: Contribute up to the company match. 401k is funded by pretax money and the company match is all free money. If you dont think you can or have the time to beat the match, then leverage 401ks to the maximum. Don't have enough to contribute? Each raise you earn increase your 401k contribution to whatever your raise is. Should you contribute the yearly maximum? It depends on the match and if it's worthwhile. 401ks are a money jail so it's not worth-while to simply invest more if it does not earn you additional match money. There are better ways to invest your money.
Which fund should you choose? Again if you're on the younger side, you should probably be in 90% or more in stocks.
HSA: If you're young and/or healthy then you will want to maximize you're HSA contributions. This money is yours forever and often comes with a company match. After meeting the minimum account balance you can invest any additional contributions, just like your 401k.
You'll always have both accounts and the government has made it clear that they will waive penalties for withdrawals in cases of crisis like covid.
  1. Roth IRA and Brokage accounts
Fully vested in 401k and HSA? Roth IRA and brokage accounts may be what you're looking for. Both Roth IRA and brokage accounts allows you to invest in individual stocks. What's the difference? Roth IRA gains are tax free but you arnt allowed to withdraw gains without paying a penalty and taxes until you reach retirement age. You can still pull out what you contribute at any time. A brokage account allows you to pull your gains and contributions out at any time, but any gain on any sale is subject to tax, regardless if you withdraw from your account or not.
The general advice is if you're investing for retirement, go with a roth ira and contribute the maximum you can each year, then fund your brokage account with any extra. If you're investing to gamble or to try and earn extra cash, a brokage account gives you more flexibility on managing your earnings.
I use my Roth IRA as a second savings accounts and invest when I see good entry points. Roth gives me liquidity while also being able to invest, compared to a 401k.
The market will only grow, maybe not in the short term with the whole covid recession, but better believe it will in the long term.
  1. FIRE: Financial Independence, Retire Early.
You may have heard of FIRE, but the essence is to become Financially independent and retire early. I'm not a big fan of the following it exactly but I am a fan of being Financially independent enough to not worry about what I choose for work. But if you live FIRE, more power to you.
The single biggest costs for most people are their homes. If you can pay off your home early then a large financial burden has been taken care and while you may not be financial independent you will have an extremely large amount of flexibility. If you want to work at Costco, you can! That's what being financially flexible affords you.
  1. Real estate and Land
Yes, some people make bank flipping and renting. But profiting from a flip is estimated to be harder and harder with home prices where they are today. I dont have any expertise here beside just beginning to dive into the indusrty but from what I hear from my builder, realtor and flipping people is that we are expecting a down turn in home prices in the 2nd half of the year if covid continues to decimate the economy. Low interest rates however may offset some of this in the short term. Right now it's still a sellers market but high end houses are sitting.
  1. Credit cards
Points, points, points..seriously there's no other way to buy than with a credit card, not even mentioning security benefits. Cash, debit cards, PayPal, bitcoin, all worthless when compared to credit cards. Use credit cards to pay for everything you can.
If you're not disciplined enough, don't open cards to every department store either, you're get a credit hit if your credit is accessed too often and it becomes difficult to manage after too many cards.
Look at cards that provide the most points for your dollar. Cards that allow you to transfer points to partners often yield even more savings, especiallyon things like travel. Chase cards are great and Freedom is a great first card to have.
The key to credit cards is not to spend what you dont have and to pay off the STATEMENT BALANCE every month. To avoid interests, you need only pay off the STATEMENT BALANCE and not the full balance every month. Never take credit card loans or get into credit card debt, it's going to be a bad time.
  1. Pay off debt
There's always a fine line between investing and paying off debt. The debt we're talking about here is debt with relatively low interest rates like student loans, car loans and homes. Anything debt with high rates, like credit card debt, should be paid off immediately.
The general rule of thumb is if you can make more investing than the interest rates of the loans, invest, else pay off debt. But, investing involves risk while paying off debt is a sure thing. There's also the emotional factor. Some people don't care about debt because they want to be working their entire lives and are willing to pay it off over the long term, and that's perfectly fine. In that case, invest invest invest. Personally i think there is a balance, I rather be debt free and financially flexible than be straddled with debt.
To pay off debt, one of the most popular methods is the snow ball method. The essence of the theory is to pay off the highest interest debt off first. Once paid off, while keeping the payments the same, tackle the next highest interest debt and so on so forth. Eventually you are paying off more and more with the same payments, hence the snow ball effect. Google it for more precise definitions.
  1. Travel, hobbies and enjoying life
Seriously, enjoy your youth, health and life while it's good. Nobody wants to work and save until 65 before you start traveling and enjoying life. Traveling is one of the best things you can do. Having hobbies makes work worthwhile. Good health is worth more than all the cash in the world.
  1. Gambling and options
I dont recommend either, but if you're a gambling man, play options over penny stocks and always double down on 9 or 11...maybe. Just don't bet what you're not willing to lose, and for the love of all that is holy, dont gamble on margin. Disable that shit.
You already know all this stuff? Awesome! Help out and contribute.
Questions? Post.
Wrong Facts? Always looking to learn.
Tldr: Save, invest and pay off debt. Also enjoy life, health and youth while you have them.
submitted by Dick_sporting_good to Hmong [link] [comments]

The White Dragon : A Canadian Dragon Portfolio

Alright guys, Ive been working on this for a while and a post on here by a guy describing his portfolio here was the final kick in the ass for me to put this together. I started writing this to summarize what Im doing for my friends who are beginners, and also for me to make some sense of it for myself
Hopefully parts of it are useful to you, and also ideally you guys can point out errors or have a suggestion or two. I'm posting this here as opposed to investing or canadianinvestor (blech) because they're just gonna tell me to buy an index fund.
This first section is a preamble describing the Canadian tax situation and why Im doing things the way that I am. Feel free to skip it if you dont care about that. Also, there might be mistake regarding what the laws are here so dont take my word for it and verify it for yourself please.
So here in Canada we have two types of registered accounts (theres actually more but whatver). There is the TFSA "Tax Free Savings Account", and RRSP "Registered Retirement Savings Account"
For the sake of simplicity, from the time you turn 18 you are allowed to deposit 5k (it changes year to year based on inflation etc)in each of them. That "room" accumulates retroactively, so if you haventdone anything and are starting today and you are 30 you have around 60k you can put in each of them. The prevailing wisdom is that you should max out the TFSA first and you'll see why in a minute.

TFSA is post tax deposits, with no capital gains or other taxes applied to selling your securities, dividends or anything else. You can withdraw your gains at any time, and the amount that you withdraw is added to the "room" you have for the next year. So lets say I maxed out my TFSA contributions and I take out 20k today, on January of next year I can put back in 20k plus the 5 or whatever they allow for that year. You can see how powerful this is. Theres a few limitations on what is eligable to be held in the TFSA such as bitcoin/bitcoin ETFs, overseas stocks that arent listed on NYSE, TSX, london and a few others. You can Buy to Open and Sell to Close call and put options as well as write Covered Calls.

The RRSP is pre-tax deposits and is a tax deferred scheme. You deposit to lower your income tax burden (and hopefully drop below a bracket) but once you retire you will be taxed on anything you pull out. Withdrawing early has huge penalties and isnt recommended. You are however allowed to borrow against it for a down payment as a first time home buyer. The strategy with these is that a youngperson entering the workforce is likely to be in a fairly low tax bracket and (hopefully) earns more money as they get older and more skilled so the RRSP has more value the greater your pre-taxincome is. You can also do this Self Directed. Its not relevant to this strategy but I included it for the sake of context.
Non registered accounts ( or any other situation, such as selling commercial real estate etc) is subject to a capital gains tax. In so far as I understand it, you add all your gains and losses up at the end of the year. If its a positive number, you cut that number IN HALF and add it to your regular pre-tax income. So if I made 60k from the dayjob and 20k on my margin account that adds up to 70k that I get taxed on. if its a loss, you carry that forward into the next year. Theres no distinction between long term and short term. Also physical PMs are treated differently and I'll fill that part in later once I have the details down.
The reason why all that babble is important is that my broker Questrade, which isnt as good as IB (the only real other option up here as far as Im aware) has one amazing feature that no other broker has: "Margin Power"
If you have a TFSA and a Margin account with them, you can link them together and have your securities in the TFSA collateralise your Margin account. Essentially, when it comes to the Maintenance Excess of the Margin Account QT doesnt care if its in the TFSA *or* the Margin!
You can see how powerful this is.
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So as you can tell by the title, a lot of this is heavily inspired by Chris Cole's paper "The Allegory of the Hawk and the Serpent". You can read it here: https://www.artemiscm.com/welcome#research
Between it, his interviews and my mediocre options skills at the time my mind was blown. Unfortunately I didnt know how to do the Long Volatility part until after the crash in March but I've since then had nothing but time to scour the internet and learn as much as I could.
The way I interpret this isnt necessarily "what you should have right now", but what abstracted model they were able to backtest that gave them the best performance over the 90 years. Also, a lot of my portfolio I already had before I started trying to build this.
As such my allocations dont match the proportions he gave. Not saying my allocations are better, just showing where they are at this time.
I'm going to describe how I do Long Volatility at the end rather than the beginning since the way *I* do it wont make sense until you see the rest of the portflio.

Physical PMs 22%
I'm not sure wether he intended this to be straight up physical gold or include miners and royalty streaming companies so I will just keep this as physical.
I consider Silver to be a non-expiring call option on gold, so that can live here too. I am actually *very* overweight silver and my strategy is to convert a large portion of it to gold (mostly my bars)
to gold as the ratio tightens up.
If youre into crypto, you can arguably say that has a place in this section.
If an ETF makes sense for part of your portfolio, I suggest the Sprott ones such as PHYS. Sprott is an honest business and they actually have the metal they say they have. If you have enough, you can redeem your shares from the Royal Canadian Mint. The only downside is that they dont have an options chain, so you cant sell covered calls etc. Simple enough I suppose.
One thing to bear in mind, there is a double edged sword with this class of assets. They're out of the system, theyre nobody's business but your own and theres no counter party. That
unfortunately means that you cant lever against it for margin or sell covered calls etc. You can still buy puts though (more on that later)

Commodity Trend (CTA) 10%
https://youtu.be/tac8sWPZW0w
Patrick Ceresna gave a good presentation on what this strategy is. Until I watched this video I just thought it meant "buy commodities". A real CTA does this with futures also so aside from the way he showed, there are two other ETFs that are worth looking at.
COM - This is an explicit trend following ETF that follows a LONG/FLAT strategy instead of LONG/SHORT on a pile of commodity futures. So if they get a "sell" signal for oil or soybeans they sell what they have and go to cash.
COMT- Holds an assortment of different month futures in different commodities, as well as a *lot* of various related shares in producers. Its almost a one stop shop commodities portfolio. Pays a respectable dividend in December
If you want to break the "rules" of CTA, and include equities theres a few others that are also worth looking at
KOL- This is a coal ETF. The problems with it are that a lot of the holdings dont have much to do with coal. One of them is a tractor company. A lot of the companies are Chinese so theres a bit of a red flag.
Obviously Thermal Coal, the kind used for heating and powerplants isnt in vogue and wont be moving forward...but coking coal is used for steel manufacturing and that ain't going anywhere. The dividend is huge, pays out in December. A very very small position might be worth the risk.
Uranium- I'm in URA because thats the only way for me to get exposure to Kazatoprom (#1 producer), which is 20% of the holdings. The other 20% is Cameco (#2 producer)and then its random stuff.
Other than that I have shares in Denison which seems like its a good business with some interesting projects underway. I'm still studying the uranium space so I dont really have much to say about it of any value.
RSX- Russia large caps. If you dont want to pick between the myriad of undervalued, high dividend paying commodity companies that Russia has then just grab this. It only pays in December but it has a liquid options chain so you can do Covered Calls in the meantime if you want.
NTR- Nutrien, canadian company that was formed when two others merged. They are now the worlds largest potash producer. Pretty good dividend. They have some financial difficulties and the stocks been in a downtrend forever. I feel its a good candidate to watch or sell some puts on.
I'm trying to come up with a way to play agriculture since this new phase we're going to be entering is likely to cause huge food shortages.

EURN and NAT- I got in fairly early on the Tanker hype before it was even hype as a way to short oil but I got greedy and lost a lot of my gains. I pared down my position and I'm staying for the dividend.
If you get an oil sell signal, this might be a way to play that still.

Fixed Income/Bonds 10%

Now, I am not a bond expert but unless youre doing some wacky spreads with futures or whatever... I dont see much reason to buy government debt any more. If you are, youre basically betting that they take rates negative. Raoul Pal of Real Vision is pretty firm in his conviction that this will happen. I know better than to argue with him but I dont see risk/reward as being of much value.
HOWEVER, I found two interesting ETFs that seem to bring something to this portfolio
IVOL- This is run by Nancy Davis, and is comprised of TIPS bonds which are nominally inflation protected (doubt its real inflation but whatever) overlayed with some OTC options that are designed to pay off big if the Fed loses control of the long end of the yield curve, which is what might happen during a real inflation situation. Pays out a decent yield monthly
TAIL- This is a simpler portfolio of 10yr treasuries with ladder of puts on the SPX. Pays quarterly.

Equities 58% (shared with options/volatility below)
This is where it gets interesting, obviously most of this is in mining shares but before I get to those I found some interesting stuff that I'm intending to build up as I pare down my miners when the time comes to start doing that.
VIRT- I cant remember where I saw this, but people were talking about this as a volatility play. Its not perfect, but look at the chart compared to SPY. Its a HFT/market making operation, the wackier things get the more pennies they can scalp. A 4% dividend isnt shabby either.
FUND- This is an interesting closed end fund run by Whitney George, one of the principals at Sprott. He took it with him when he joined the company. Ive read his reports and interviews and I really like his approach to value and investing. He's kind of like if Warren Buffett was a gold bug. Theres 120 holdings in there, mostly small caps and very diverse...chicken factories, ball bearings all kinds of boring ass shit that nobody knows exists. Whats crucial is that most of it "needs to exist". Between him, his family and other people at Sprott they control 40% or so of the shares, so they definitely have skin in the game. Generous dividend.
ZIG- This is a "deep value" strategy fund, run by Tobias Carlisle. He has a fairly simple valuation formula called the Acquirer's Multiple that when he backtested it, is supposed to perform very well. He did an interview with Chris Cole on real Vision where he discusses how Value and Deep Value havent done well recently, but over the last 100 years have proven to be very viable strategies. If we feel that theres a new cycle brewing, then this strategy may work again moving forward.

I want to pause and point out something here, Chris Cole, Nassim Taleb and the guys at Mutiny Fund spend a lot of effort explaining that building a portfolio is a lot like putting together a good basketall team. They need to work together, and pick up each others slack
A lot of the ETFs I'm listing here are in many ways portfolios in and of themselves and are *actively managed*. I specifically chose them because they follow a methodology that I respect but I can't do myself because I dont have the skill, temperament or access to.
The next one is a hidden gem and ties into this. I'm not sure how much more upside there is in this one but man was I surprised.
SII- Sprott Inc. I *never* see people listing this stock in their PMs portfolios. A newsletter I'm subscribed to described this stock as the safest way to play junior miners. Their industry presence, intellectual capital and connections means that they get *the best* private placement deals in the best opportunities. I cant compete with a staff like theirs and I'm not going to try. I bought this at 2.50, and I liked the dividend. Since then they did a reverse split to get on the NYSE and like the day after the stock soared.
When it comes to mining ETFS I like GOAU and SILJ the best. None of their major holdings are dead weight companies that are only there because of market cap. I dont want Barrick in my portfolio etc.
SGDJ is a neat version of GDXJ.
Aside from that my individual miners/royalty companies are (no particular order)
MMX
SAND
PAAS
PGM
AUM
AG
MUX
RIO- Rio2 on the tsx, not rio tinto
KTN
KL
Options/Volatility: varies
So this is where we get to the part about options, Volatility and how I do it. I started out in the options space with The Wheel strategy and the Tastytrade approach of selling premium. The spreads and puts I sell, are on shares listed above, in fact some of those I dont hold anymore.
Theres tons of stuff on this in thetagang and options so I wont go into a whole bunch (and you shouldnt be learning the mechanics from me anyway) but theres one thing I want to go over before it gets wild.
If I sell a Cash Secured Put, from a risk management perspective its identical to just buying 100 shares of the underlying security. You are equally "Short Vol" as well, it just that with options
its a little more explicit with the Greeks and everything. But if I use my margin that I was talking about earlier, then I can still collect the premium and the interest doesnt kick in unless Im actually assigned the shares.
But if I sell too many puts on KL or AG, and something happens where the miners get cut down (and lets be real, they all move together) my margin goes down and then I get assigned and kaboom...my account gets blown up
So what I need to do, is balance out the huge Short Vol situation in my portfolio, be net Long Vol and directly hedge my positions. Since the overwhelming majority of my equities are all tied to bullion this is actually a very easy thing to do.

Backspreads
https://youtu.be/pvX5_rkm5x0
https://youtu.be/-jTvWOGVsK8
https://youtu.be/muYjjm934iY

So I set this up so the vast majority of my margin is tied up in these 1-2 or even 1-3 ratio put spreads that *I actually put on for a small credit*, and roll them every once in a while. I run them on SLV, and GDX.
I keep enough room on my margin so I can withstand a 10% drawdown before it sets off the long end of the spreads and then I can ride it out until it turns around and we keep the PM bull market going.
Theres another cool spread I've been using, which is a modified Jade Lizard; if already hold shares, I'll sell a put, sell a covered call, and use some of the premium to buy a longer dated call. Ive been running this on AG mostly.
I have a few more spreads I can show you but Im tired now so it'll have to wait for later.
As I said multiple times, I do intend to trim these miners later but now isnt the time for that IMO. I'm also monitoring this almost full time since I have an injury and have nothing better to do until I heal :p
submitted by ChudBuntsman to pmstocks [link] [comments]

How do I Buy Bitcoin & Crypto? - Pros & Cons of 5 Exchanges

Are you looking to start investing in cryptocurrency and wondering the best place to buy it? Or if you are in the US, are you wondering which crypto exchanges are legal for you to use? Below is a list of 5 cryptocurrency exchanges that, as of this post, are all legal for US citizens. I have also included a quick break down on the pros and cons of each exchange. This is not a complete list of every exchange available to US citizens as there are others, but these are my own personal top 5 based on characteristics such as ease of use, security, fees, liquidity and selection of available coins to trade. If you are not located in the US there is a good chance most of these exchanges are available to you as well, you will just need to check with the exchange and look up your own country's policies regarding the purchase of cryptocurrencies.
As you go through the list please keep in mind, while I do have them ranked 1 through 5, there is not a lot separating them and each of these exchanges offer something a little unique from the others. Everyone's investment goals and preferences are going to be a little different so my #5 exchange here could be your #1 based on your criteria. It is also pretty likely that if you end up wanting to invest in 5 or more coins at some point, no one exchange is going to have all of them available so you will likely need to open multiple accounts anyways. Okay, on to the list.

1) Binance US
Binance US is an offshoot of one of the largest cryptocurrency exchanges out there, Binance.com. They created Binance US in response to US citizens being banned from using their main exchange back in 2019. These two exchanges function much the same with the biggest difference being that Binance US has a slightly smaller pool of cryptos listed on their exchange, which currently is a little over 30 coins. Other than that, all of the great features of Binance.com that have helped it become one of the largest crypto exchanges in the world, apply to Binance US as well.
PROS
- Low Fees: Start at 0.10% spot trading fee and goes down from there depending on your trading frequency. You can also save an additional 25% off your trading fees by holding their native token BNB.
- High Trading Volume: Allows you to get in and out of your positions more easily.
- Coin Selection: Currently as of this writing there are over 30 different coins available to be traded.
- Reliability / Reputation: As one of the larger players in the crypto space, Binance is able to offer a bit of security as they are able to throw a lot of money at any potential problems with things like hackers. Binance US puts away a set portion of their earnings every month in a fund that acts as insurance against any funds that may be lost due to hackers. Back in 2019 they had an incident where 40 million dollars of crypto was stolen by hackers and they reimbursed every penny to their customers.
CONS
- Interface: Trading can be a little confusing for those not used to trading cryptocurrencies. While it is not too difficult to learn, a couple of the upcoming exchanges on my list are a little more user friendly for those who are new to the space.
All things considered, right now if I was getting started with Crypto trading in the US, Binance US would be the first account that I created. If you would like to open an account you can use the link below. If you are located outside of the United States I would suggest opening an account on the the original Binance.com exchange as they currently have a wider selection of cryptos to pick from. Below is a link for their sign up as well if you are interested.
Binance US Sign Up
Binance Sign Up (Non-US Citizens)

2) Crypto.com
Crypto.com is on a mission to be the leader in cryptocurrency adoption to the masses and is trying to bridge the gap between the worlds of blockchain and traditional finance. Along with trading cryptocurrencies they have programs on their app like Earn, Invest, Pay & Credit which you would find with more traditional finance companies. For instance, through their Earn program there are many coins you can earn interest on by locking them up for a set time period. Depending on the coin, how many MCO (Crypto.com native coin) you have staked and how long you keep your tokens locked up for, you can earn anywhere from 2% to 18% interest which a lot better than any bank is going to do for you these days.
One of the best features of Crypto.com, in my opinion, are their great eye-catching, metal crypto MCO reward credit cards. These cards pay you cashback, in the form of their MCO token, for all of your day to day purchases anywhere that VISA is accepted. Depending on which level of card you get, these credit cards reward 1% to 5% cashback on all spending along with other great benefits like free ATM & international withdrawals, 100% cashback on Spotify & Netflix subscriptions and airport lounge access. In order to get your hands on one of these cards you will need to open a Crypto.com account if you don’t already have one. There is good news if you don’t already have one, as new sign ups can get $50 worth of MCO tokens free by using the link and promo code I have posted below. Please note that the $50 of MCO tokens will remain locked until you deposit & stake at least 50 MCO tokens toward the sign up of the particular card you are interested in. If you want to know a little more about these cards you can check out method #3 in my earlier post 5 Easy Legitimate Ways to Earn Free Crypto where I go into a bit more detail on them. However, for the purpose of this post, let's get to some pros and cons of their exchange platform.
PROS
- Low Fees: Start at 0.20% and go lower from there depending on your trading volume.
- Coin Selection: Currently as of this writing there are 53 different coins available to be traded.
- Interface: Easy to use app that is very user friendly.- Customer Service: One of the best customer service programs in the industry if you need any help.
CONS
- App Only: No desktop version, all functions on the exchange must be done via their app.
- History: Founded in 2016 so they are still relatively new to the industry.
Crypto.com is a great option if you are looking to trade cryptocurrencies and also want to take advantage of things like their cash back VISA cards and Earn program that pay you great interest rates as you hold your coins. Below is a link you can use to sign up for a new account. If you are also interested in getting one of their MCO Visa cards, use the link below along with the promo code to get $50 of their MCO token free.
Crypto.com Sign Up
PROMO CODE: gapena3dq4

3) Coinbase Headquartered in San Francisco, Coinbase is the largest US-based crypto exchange with about 20 million current users. Like Crypto.com, they are trying to bring cryptocurrency trading to the masses through an easy to use interface and education. One way they try to educate their users is through their Coinbase Earn program where they offer free crypto for watching short educational videos teaching you about the various coins they offer on their exchange. I will not go into the details of that program here, but if you are interested in checking it out I go into a bit more detail on it in my post 5 Easy Legitimate Ways to Earn Free Crypto. Now on to some of the pros and cons.
PROS
- High Trading Volume: Allows you to get in and out of your positions easily.
- Interface: Easy to use desktop interface and trading mechanisms for those new to crypto trading.
- Insurance: Coinbase carries an insurance policy that covers 2% of all assets on the exchange and they keep the other 98% in cold storage.
CONS
- Fees: While their fee structure is not horrible, it is a bit higher than Crypto.com and Binance US. Crypto to crypto trading fees are at 0.50% / bank purchases at 1.49% / credit & debit card purchases at 3.99%.
- Coin Selection: Currently they only have about 20 coins to choose from, however they are looking to add a bunch more soon.
Coinbase is a solid choice for anyone looking to get started in crypto trading. If you would like to open an account you can use the link below which will get you $10 of free Bitcoin as a sign up bonus. Please note that to get the free $10 you must buy or sell $100 worth of crypto within 180 days of signing up.
Coinbase Sign Up

4) Robinhood
Robinhood is the pioneer of no fee trading for securities which is the main benefit of this exchange. It also is, to my knowledge, one of the few exchanges that allow you to trade both traditional stocks and cryptocurrencies. Technically their stock and crypto exchanges are separate entities, however you can seamlessly trade them both from the same account on their app. This is great for those who would like to get started trading in both crypto and traditional stocks but don't want to open multiple accounts. Or for those who might want to trade back and forth between stocks and crypto but don't want to have to transfer money between accounts to do so. Now to explore some other features of the Robinhood exchange let's get into the pros and cons.

PROS
- Fees: None (FREE!)
- Flexibility: Can trade multiple asset classes (Stocks, Crypto, ETFs, Options)
- Interface: Easy to use app that is very user friendly. Desktop version available as well.

CONS
- Coin Selection: Currently only offer 7 coins that can be traded (BTC, BCH, BSV, DOGE, ETH, ETC, LTC)
- Coin Mobility: Your coins must remain on the Robinhood exchange. You cannot transfer your coins to another exchange or withdraw them to put in your own digital wallets.
With their user friendly interface and no fees, Robinhood is very appealing for those just getting into crypto trading. If you are just looking to buy some of the higher cap coins like Bitcoin and Etherium, this exchange can be a good fit for you. However if you know there are some projects you would like to invest in that are not listed above, you may want to choose some of the other exchanges on this list, or both. If you are unsure at this point if you want to invest beyond coins like Bitcoin and Etherium in the future, it doesn't hurt to start here, get your feet wet and open another account down the road if you have other projects you get interested in. If you would like to open an account you can use the link below to get one free stock with sign up! This free stock will be valued somewhere between $2.50 and $200.
Robinhood Sign Up

5) Kraken
Kraken exchange is based out of the United States and was founded back in 2011. While there is no specific trait that blows away the competition with this exchange, it does most everything pretty well. Like most crypto exchanges at this point, your funds on there are not FDIC insured, however Kraken does keep a separate fund that serves as an insurance policy and is currently over 100 million dollars. They also show great transparency and compliance with programs like their Proof of Reserves which offers proof that they hold all of the funds that they say they do. Here is quick break down of their pros and cons.

PROS
- Low Fees: Range from 0.10% to 0.26% depending on your trading frequency.
- High Security: One of the best reputations in the industry for security.
- Coin Selection: Good but not great. Currently they have about 20 coins available for trading.

CONS
- Interface: Making trades can be a little confusing for beginners who are not familiar with their format. However with a couple quick tutorials most of you should be able to get familiar with it pretty quickly.
To open an account and begin trading with Kraken use the link below.
Kraken Sign Up

Interested in some ways you can passively earn free crypto?

Below is a link to a previous post that shares my best ways to earn free crypto in 2020 with the least amount of effort.
5 Easy Legitimate Ways to Earn Free Crypto
submitted by CaliBum16 to Crypto_General [link] [comments]

Best Exchanges to Buy Bitcoin & Crypto in the US (Pros & Cons)

Are you looking to start investing in cryptocurrency and wondering where the best place to buy it is? Or if you are in the US, are you wondering which crypto exchanges are legal for you to use? Below is a list of 5 cryptocurrency exchanges that, as of this post, are all legal for US citizens. I have also included a quick break down on the pros and cons of each exchange. This is not a complete list of every exchange available to US citizens as there are others, but these are my own personal top 5 based on characteristics such as ease of use, security, fees, liquidity and selection of available coins to trade. If you are not located in the US there is a good chance most of these exchanges are available to you as well, you will just need to check with the exchange and look up your own country's policies regarding the purchase of cryptocurrencies.
As you go through the list please keep in mind, while I do have them ranked 1 through 5, there is not a lot separating them and each of these exchanges offer something a little unique from the others. Everyone's investment goals and preferences are going to be a little different so my #5 exchange here could be your #1 based on your criteria. It is also pretty likely that if you end up wanting to invest in 5 or more coins at some point, no one exchange is going to have all of them available so you will likely need to open multiple accounts anyways. Okay, on to the list.

1) Binance US
Binance US is an offshoot of one of the largest cryptocurrency exchanges out there, Binance.com. They created Binance US in response to US citizens being banned from using their main exchange back in 2019. These two exchanges function much the same with the biggest difference being that Binance US has a slightly smaller pool of cryptos listed on their exchange, which currently is a little over 30 coins. Other than that, all of the great features of Binance.com that have helped it become one of the largest crypto exchanges in the world, apply to Binance US as well.

PROS
- Low Fees: Start at 0.10% spot trading fee and goes down from there depending on your trading frequency. You can also save an additional 25% off your trading fees by holding their native token BNB.
- High Trading Volume: Allows you to get in and out of your positions more easily.
- Coin Selection: Currently as of this writing there are over 30 different coins available to be traded.
- Reliability / Reputation: As one of the larger players in the crypto space, Binance is able to offer a bit of security as they are able to throw a lot of money at any potential problems with things like hackers. Binance US puts away a set portion of their earnings every month in a fund that acts as insurance against any funds that may be lost due to hackers. Back in 2019 they had an incident where 40 million dollars of crypto was stolen by hackers and they reimbursed every penny to their customers.
CONS
- Interface: Trading can be a little confusing for those not used to trading cryptocurrencies. While it is not too difficult to learn, a couple of the upcoming exchanges on my list are a little more user friendly for those who are new to the space.
All things considered, right now if I was getting started with Crypto trading in the US, Binance US would be the first account that I created. If you would like to open an account you can use the link below. If you are located outside of the United States I would suggest opening an account on the the original Binance.com exchange as they currently have a wider selection of cryptos to pick from. Below is a link for their sign up as well if you are interested.
Binance US Sign Up
Binance Sign Up (Non-US Citizens)

2) Crypto.com
Crypto.com is on a mission to be the leader in cryptocurrency adoption to the masses and is trying to bridge the gap between the worlds of blockchain and traditional finance. Along with trading cryptocurrencies they have programs on their app like Earn, Invest, Pay & Credit which you would find with more traditional finance companies. For instance, through their Earn program there are many coins you can earn interest on by locking them up for a set time period. Depending on the coin, how many MCO (Crypto.com native coin) you have staked and how long you keep your tokens locked up for, you can earn anywhere from 2% to 18% interest which a lot better than any bank is going to do for you these days.
One of the best features of Crypto.com, in my opinion, are their great eye-catching, metal crypto MCO reward credit cards. These cards pay you cashback, in the form of their MCO token, for all of your day to day purchases anywhere that VISA is accepted. Depending on which level of card you get, these credit cards reward 1% to 5% cashback on all spending along with other great benefits like free ATM & international withdrawals, 100% cashback on Spotify & Netflix subscriptions and airport lounge access. In order to get your hands on one of these cards you will need to open a Crypto.com account if you don’t already have one. There is good news if you don’t already have one, as new sign ups can get $50 worth of MCO tokens free by using the link and promo code I have posted below. Please note that the $50 of MCO tokens will remain locked until you deposit & stake at least 50 MCO tokens toward the sign up of the particular card you are interested in. If you want to know a little more about these cards you can check out method #3 in my earlier post 5 Easy Legitimate Ways to Earn Free Crypto where I go into a bit more detail on them. However, for the purpose of this post, let's get to some pros and cons of their exchange platform.

PROS
- Low Fees: Start at 0.20% and go lower from there depending on your trading volume.
- Coin Selection: Currently as of this writing there are 53 different coins available to be traded.
- Interface: Easy to use app that is very user friendly.- Customer Service: One of the best customer service programs in the industry if you need any help.

CONS
- App Only: No desktop version, all functions on the exchange must be done via their app.
- History: Founded in 2016 so they are still relatively new to the industry.

Crypto.com is a great option if you are looking to trade cryptocurrencies and also want to take advantage of things like their cash back VISA cards and Earn program that pay you great interest rates as you hold your coins. Below is a link you can use to sign up for a new account. If you are also interested in getting one of their MCO Visa cards, use the link below along with the promo code to get $50 of their MCO token free.

Crypto.com Sign Up
PROMO CODE: gapena3dq4


3) Coinbase Headquartered in San Francisco, Coinbase is the largest US-based crypto exchange with about 20 million current users. Like Crypto.com, they are trying to bring cryptocurrency trading to the masses through an easy to use interface and education. One way they try to educate their users is through their Coinbase Earn program where they offer free crypto for watching short educational videos teaching you about the various coins they offer on their exchange. I will not go into the details of that program here, but if you are interested in checking it out I go into a bit more detail on it in my post 5 Easy Legitimate Ways to Earn Free Crypto. Now on to some of the pros and cons.

PROS
- High Trading Volume: Allows you to get in and out of your positions easily.
- Interface: Easy to use desktop interface and trading mechanisms for those new to crypto trading.
- Insurance: Coinbase carries an insurance policy that covers 2% of all assets on the exchange and they keep the other 98% in cold storage.

CONS
- Fees: While their fee structure is not horrible, it is a bit higher than Crypto.com and Binance US. Crypto to crypto trading fees are at 0.50% / bank purchases at 1.49% / credit & debit card purchases at 3.99%.
- Coin Selection: Currently they only have about 20 coins to choose from, however they are looking to add a bunch more soon.
Coinbase is a solid choice for anyone looking to get started in crypto trading. If you would like to open an account you can use the link below which will get you $10 of free Bitcoin as a sign up bonus. Please note that to get the free $10 you must buy or sell $100 worth of crypto within 180 days of signing up.
Coinbase Sign Up

4) Robinhood
Robinhood is the pioneer of no fee trading for securities which is the main benefit of this exchange. It also is, to my knowledge, one of the few exchanges that allow you to trade both traditional stocks and cryptocurrencies. Technically their stock and crypto exchanges are separate entities, however you can seamlessly trade them both from the same account on their app. This is great for those who would like to get started trading in both crypto and traditional stocks but don't want to open multiple accounts. Or for those who might want to trade back and forth between stocks and crypto but don't want to have to transfer money between accounts to do so. Now to explore some other features of the Robinhood exchange let's get into the pros and cons.

PROS
- Fees: None (FREE!)
- Flexibility: Can trade multiple asset classes (Stocks, Crypto, ETFs, Options)
- Interface: Easy to use app that is very user friendly. Desktop version available as well.

CONS
- Coin Selection: Currently only offer 7 coins that can be traded (BTC, BCH, BSV, DOGE, ETH, ETC, LTC)
- Coin Mobility: Your coins must remain on the Robinhood exchange. You cannot transfer your coins to another exchange or withdraw them to put in your own digital wallets.

With their user friendly interface and no fees, Robinhood is very appealing for those just getting into crypto trading. If you are just looking to buy some of the higher cap coins like Bitcoin and Etherium, this exchange can be a good fit for you. However if you know there are some projects you would like to invest in that are not listed above, you may want to choose some of the other exchanges on this list, or both. If you are unsure at this point if you want to invest beyond coins like Bitcoin and Etherium in the future, it doesn't hurt to start here, get your feet wet and open another account down the road if you have other projects you get interested in. If you would like to open an account you can use the link below to get one free stock with sign up! This free stock will be valued somewhere between $2.50 and $200.
Robinhood Sign Up

5) Kraken
Kraken exchange is based out of the United States and was founded back in 2011. While there is no specific trait that blows away the competition with this exchange, it does most everything pretty well. Like most crypto exchanges at this point, your funds on there are not FDIC insured, however Kraken does keep a separate fund that serves as an insurance policy and is currently over 100 million dollars. They also show great transparency and compliance with programs like their Proof of Reserves which offers proof that they hold all of the funds that they say they do. Here is quick break down of their pros and cons.

PROS
- Low Fees: Range from 0.10% to 0.26% depending on your trading frequency.
- High Security: One of the best reputations in the industry for security.
- Coin Selection: Good but not great. Currently they have about 20 coins available for trading.

CONS
- Interface: Making trades can be a little confusing for beginners who are not familiar with their format. However with a couple quick tutorials most of you should be able to get familiar with it pretty quickly.
To open an account and begin trading with Kraken use the link below.
Kraken Sign Up

Interested in some ways you can passively earn free crypto?

Below is a link to a previous post that shares my best ways to earn free crypto in 2020 with the least amount of effort.
5 Easy Legitimate Ways to Earn Free Crypto
submitted by CaliBum16 to Crypto_General [link] [comments]

Up to $3940 in Free cash bonuses($602 guaranteed)! (SoFi Money, SoFi Invest, Chime, Varo, Aspiration, Stash, Webull, FirstTrade, Moomoo, M1 Finance, Robinhood, Public, Dough, TradeUP, Acorns, Abra, Voyager)

These are my favorite referral codes! All these offers (besides Gemini and Zynn) are US only.
*Newest, easy referral offers!*
Donut: (iOS Only)Free $10 for depositing $10. Use referral tag "annprod” when prompted during account signup. One of the fastest referral opportunities I've ever seen. Signed up, got my $10 bonus, and withdrew everything within 10 minutes. Doesn't work for New York, New Jersey, Wisconsin, or Pennsylvania residents. Open this link from mobile:
Long Game (iOS/Android): Free $15 for depositing $5.
Zynn (iOS/Android): Tik Tok competitor, $1-20 for new users who sign up via a referral link, enter their referral code in the app, and watch 1-2 minutes worth of videos. Available in the US and Canada.

Stocks

Banks

Cryptocurrency

Credit Cards

Other

--Details on each offer below--

Stocks-

Webull

Webull is a commission free stock trading app which is giving out 2 free stocks (1 worth $2.50-$250, and another worth $12-$1400) for opening an account and making a $100 deposit.
It is available on iOS, Android, and PC!
https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is a stock trading app which gives you a free stock (valued up to $50) when your account is approved. No initial deposit is required! They offers commission free stock ETF's and mutual fund trading via iOS or Android!
http://share.public.com/rayruiu

FirstTrade

FirstTrade is a stock trading app which gives you a free stock (valued up to $200) when your account is approved. No initial deposit is required! They offers commission free stock ETF's and mutual fund trading via the web or iOS/Android!
https://share.firstrade.com/RAYMONDU2RF

Dough

Dough is a stock trading app which gives you a free stock (valued $2- $200) when your account is approved. No initial deposit is required! They offers commission free stock ETF's and mutual fund trading via iOS or Android!
https://dough.com/referrals?referral=68AWH8RN44&referredby=Raymond

TradeUp

TradeUP is a stock trading app which gives you a free stock (valued $2.50-250) for opening an account. No initial deposit is required! They also offers commission free stock ETF and mutual fund trading via the web or iOS/Android!
Additionally, they will give you a second stock (valued at $8-$1000) for making a $100 deposit.
https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=3PPVKT

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when your account is approved. No initial deposit is required! Like FirstTrade, they offers commission free stock ETF's and mutual fund trading via the web or iOS/Android!
https://invite.robinhood.com/amadeor3

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until May 15th, 2020. You can then withdraw the money and close the account, fee free!
https://www.acorns.com/invite/TLBCPD

Moomoo

Moomoo is a stock trading app which gives you a free stock (valued $10-$1000) for opening an account and making a $500 deposit. They also offers commission free stock ETF's and mutual fund trading via the web or iOS/Android!
https://j.moomoo.com/000LR3

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. It includes zero commission trading, and has a popular subreddit community behind it! If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $10 bonus posted to the account within 14 days.
https://m1.finance/J6aLCt6SRGdW

SoFi Invest

SoFi gives $75 for anyone who signs up for a SoFi Invest account and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details below), so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $100 cash bonuses with SoFi Invest!
https://www.sofi.com/share/invest/2498539

Banks-

One Finance

One Finance gives out $20 for anyone who signs up for a One Finance (bank) account via my referral link and deposits at least $20 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $20, and then the bonus will post to your account instantly.
They will also pay you an extra $5 if you download their iOS app. Android users are only eligible for the regular $20 bonus.
https://share.onefinance.com/invite/Amadeo6c7b8c22

Stash

Stash gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
https://get.stashinvest.com/amadeowpr10

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250
So all you have to do is open a “Spend & Save” account using a referral link, spend $250 using their debit card, and then you will get $50 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want! I would be grateful if you used my referral link-
https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W

Chime

Chime is a banking app which pays you a $50 bonus for making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, but you can actually meet this requirement simply by transferring in $200 from CASH APP! So you could deposit 200 into cash app, then withdraw that 200 into chime and get the $50 bonus!
If you don't have cash app, you can also transfer in $200 from the following banks to fulfill the same requirements-
Ally, Charles Schwab, Chase, Circle Pay App, Discover, Hancock Whitney, Huntington, PNC, Serve, TD Bank, USAA, US Bank, Wells Fargo.
https://chime.com/raymondruiu/

Qapital

Qapital is a banking app (for iOS/Android) which pays you a $20 bonus for making a $20 deposit from any source. You need to set up a savings goal and a rule to automatically transfer funds to your Qapital savings account (One easy option would be to set up a $5 weekly transfer, so you can quickly qualify for the bonus). They have a monthly membership payment fee(Qapital Basic is $3/month; Qapital Complete is $6/month; and Qapital Master is $12/month.) which is waived for the first month. I would recommend you go for the Qapital Basic plan, as it has the lowest fee at $3.
If you keep your account open for 45 days, maintain a $20 account balance, and make 1 membership payment, they will credit you with a $20 account bonus. You can then immediately close the account and take your deposit + the bonus out with no additional charges. Even after the fee, that's $17 in free money.
https://get.qapital.com/SGjU8VhoM4

SkyOne

SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow these steps. People are normally legally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click 'None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits" on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Premier Members Credit Union

Premier Members Credit Union is another credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, with no fees or penalties!
They will prompt you to indicate if you were referred by someone early in the application, enter my referral code at that step- VFVJEVQQQ.
https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

SoFi Money

SoFi give out $75 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits 2 $500 direct deposits. So all you have to do is open an account with a referral link, deposit $500 2 times, and then instantly collect the bonus and then take it all back.
Direct deposits currently requires payroll contributions.
And you can cancel the account at any time with no fees or consequences-
https://www.sofi.com/invite/money?gcp=50ba4483-e582-4e5d-9733-d720b781161a

Juno

Juno is giving users a free $25 for anyone who signs up for for a checking account using a referral link and make a $1000 deposit once the product officially launches. So all you have to do is open an account with a referral link, wait for the product to officially launch, make a $1000 deposit, and then get your $25 bonus! You can then instantly collect the bonus and then take it all back.
And you can cancel the account at any time with no fees or consequences-
https://bankonjuno.com/referral/AMADjJsl

Santander

Santander is a bank which will pay you a $50 digital Visa Prepaid Card for opening a Simply Right® Checking, Santander Premier Plus Checking, Santander Basic Checking, or Student Value Checking account via a referral link and making a $250 direct deposit within 60 days.
A "direct deposit" technically means that they want you to deposit the money right from payroll, but you can actually meet this requirement simply by transferring in money from Venmo! Additionally, you can meet the requirements simply by transferring in from the following accounts-
Chase, Charles Schwabb, Fidelity, Wells Fargo.
https://santander.extole.io/s/rayruiu1959
Keep in mind that this offer is available for people in NH, MA, RI, CT, DE, NY, NJ & PA only

Cryptocurrency-

Donut

Donut is a cryptocurrency investing app (iOS only) which will give you $10 for signing up using a referral link and depositing $10. The deposit is automatically invested in bitcoin. You can sell the bitcoin immediately to avoid any risk. They pay out almost instantly (it took me 5 minutes to get my bonus), and you can withdraw instantly, making this a very quick and easy money maker.
They charge a small CC fee when depositing the $10, but its roughly 50 cents, so you can expect a profit of roughly $9.50 for only a few minutes of your time.
So all you have to do is download the app using a referral link, enter my referral ID (@annprod) when promoted, deposit $10, and you should get your $10 bonus within minutes. You can then sell your bitcoin, withdraw your money + the bonus, and close the account fee free if you wish.
https://donut.app.link/annprod/i/CVx0dbRMR

Voyager

Voyager is a crypocurrency trading app which will pay you $25 in free bitcoin for trading $100 on the platform! Make sure to use the referral code "AMA60T" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform! The bonus posts within a couple of days, from my experience.
https://www.coinbase.com/join/ruiu_8
They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Gemini

Gemini is a cryptocurrency trading app/exchange which will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency on the platform.
https://gemini.com/share/rllzke26
Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two.

Constant

Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10.
So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required.
https://www.myconstant.com?r=annoyedproduct

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry, relatively easy to pull off and with a very high bonus!
So all you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
So all you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time with no fees or penalties.
https://refer.discover.com/s/hhti4m

Other-

Root

Root is an auto insurance app that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away.
https://rootbonus.com/AmadeoRuiu

SoFi Loans

SoFi is offering a $100 bonus for people who opens a new personal loan or refinance an existing student loan.
I would definitely recommend you research the pros and cons of student loan refinancing before you consider this option, I have personally considered doing it in the past and the basic rundown is that you can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will be based on your individual circumstances.
There's also the option of taking out a SoFi loan, if you were looking into taking out a loan soon anyway, might be worth considering.
www.sofi.com/share/2498539?src=copy

Long Game

Long Game is a banking app (iOS/Android) which pays you a $15 bonus for making a $5 deposit from your bank account. They have a monthly fee ($3/month) which is waived for the first month.
So all you have to do is sign up using my referral link, set up a $5 deposit from your bank account, and then withdraw the $5 + $15 bonus as soon as it posts (takes a couple days) to avoid any fees.
$15 appears to be a limited-time offer, its normally only $5.

Zynn

Zynn (iOS/Android): is Tik Tok competitor which pays users roughly 1 penny per 10 second video they watch. They also gift $1-20 for new users who sign up via a referral link, enter their referral code in the app, and watch 1-2 minutes worth of videos.
So all you have to do is download the app using my referral code, enter my referral code (VSE7E55) in the "rewards" section (under "Enter referral code of your friend"), and then watch a couple minutes worth of videos! You can then withdraw your bonus money via PayPal (minmum withdrawal of $1, so you are guaranteed to be able to withdraw your cash if you want!)
Unlike most other offers mentioned, this is available for US and Canada residents.
submitted by Aaffvrg to referralcodes [link] [comments]

End of day summary - 04/01

The Dow fell 973.65, or 4.44%, to 20,943.51, the Nasdaq lost 339.52, or 4.41%, to 7,360.58, and the S&P 500 declined 114.09, or 4.41%, to 2,470.50.
The stock market retreated more than 4% to start the second quarter on Wednesday, as President Trump warned that the next two weeks will be "very painful" in terms of coronavirus fatalities. The S&P 500 (-4.4%), Dow Jones Industrial Average (-4.4%), and Nasdaq Composite (-4.4%) each fell 4.4%. The Russell 2000 underperformed with a 7.1% decline.
In COVID-19 news, The Hill reported that Florida Governor Ron DeSantis said he will sign an executive order requiring the state's residents to limit their movement outside of their homes. DeSantis has faced intense criticism for refusing to issue a stay-at-home order, the report noted.
Meanwhile, the latest data from the Johns Hopkins Whiting School of Engineering shows there are now 911,308 confirmed cases of COVID-19 and 45,497 deaths due to the disease.
The coronavirus task force on Tuesday estimated that deaths attributed to COVID-19 could total 100,000-240,000 in the U.S. with daily deaths projected to peak in two weeks. To help contain the outbreak, and hopefully bring these figures down, Florida, Nevada, and Pennsylvania joined the growing list of states to issue 'stay at home' orders for 30 days.
Original assumptions made by the medical community were based on the data coming out of China, which the U.S. intelligence community said underrepresented the real number of cases and deaths in the country, according to Bloomberg. The White House's projections, based on new data being released every day, had the market worried about the social and psychological effects on the economy.

In U.S. data, ADP reported private payrolls fell "only" 27,000 in March, which was not as bad as many had forecast. However, ADP acknowledged the data don't really reflect the realities on the ground as a lot of the firings have taken place after the week that ended its survey. The ISM manufacturing index dropped 1.0 point to 49.1 in March, which was also not as bad as feared. Markit's manufacturing PMI was revised down to 48.5 in the final print for March. That was a little lower than the 49.2 flash reading for the month and down 2.2 points from February's 50.7 reading. Construction spending dropped 1.3% in February.
In China, the Caixin manufacturing PMI climbed 9.8 points to 50.1 in March, almost fully recovering from the 10.8 point drop to the record low of 40.3 in February. The better than expected bounce is in line with the surprising 16.3 point jump in the official index to 52.0.
In turn, no S&P 500 sector was spared in today's sell-off with ten sectors losing at least 3.0%, including 6.1% declines in the real estate and utilities sectors. The consumer staples sector performed relatively better with a 1.8% decline.
In M&A news, TMUS announced that it has officially completed its merger with S to create the new T-Mobile. The company also announced that with close of the merger, it has successfully completed its long-planned CEO transition from John Legere to Mike Sievert ahead of schedule.
Among the notable losers was XRX, -7.1% withdrawing its offer to acquire HPQ, -14.5%, MAR, -7.6% disclosing a data breach that affected 5.2 million customers, and M, -9.8% being removed from the S&P 500.
Shares of GM fell 7.3% after the automaker announced that it delivered 618,335 vehicles in the U.S. in the first quarter of 2020, a decrease of about 7% compared to a year ago. "The industry experienced significant declines in March due to the outbreak of COVID-19," noted GM in its sales announcement. Meanwhile, FCAU reported a 10% decline in its first quarter sales to 446,768 vehicles, also noting that "the strong momentum in January and February was more than offset by the negative economic impact of the coronavirus in March." Additionally, Toyota North America (TM) reported that sales in March fell 36.9% on a volume basis and 31.8% on a daily selling rate basis year-over-year.
Among the noteworthy gainers was KGC, which rose over 11% after it said its mines continue to operate and have not materially been impacted by the COVID-19 pandemic. The company also withdrew guidance for fiscal 2020 in light of the outbreak. Also higher was AMRN, which surged 24.5% after Jefferies analyst Michael Yee hosted a conference call with life sciences patent lawyer Jacob Sherkow to discuss the Vascepa patent litigation. During the call, Sherkow said that he believes Amarin has a 50% chance to win an appeal and a more than 80% chance of getting an injunction.
In the oil market, the Wall Street Journal reported that Cherony7 is scheduled to meet Friday with the heads of some of the largest U.S. oil companies to discuss government measures to help the industry weather an unprecedented oil crash. The meeting is to take place at the White House and will include Trump, XOM Chief Executive Darren Woods, CVX Chief Executive Mike Wirth, OXY Chief Executive Vicki Hollub and Harold Hamm, executive chairman of CLR, according to the Journal.
Stocks in Asia were lower on Wednesday as a private survey showed Chinese manufacturing activity expanding slightly in March. In Japan, the Nikkei 225 led losses among the region’s major markets as it dropped 4.5% to close at 18,065.41.

Currency

The dollar advanced on Wednesday, with markets staring at what looked likely to be one of the worst economic contractions in decades as the world confronts the coronavirus pandemic. The U.S. Dollar Index rose 0.6% to 99.65, approaching yesterday's high.

Treasury

U.S. Treasuries ended the midweek session on a mixed note for the second day in a row, but shorter tenors underperformed today while longer tenors recovered yesterday's losses. The long end outperformed from the start after Treasury futures rallied overnight. That rally took place as most global equity markets faced renewed selling pressure to begin Q2. 10s and 30s built on their opening gains during the first two hours of trade, while the 2-yr note headed in the opposite direction before rallying toward its high into the close. Interestingly, the late push in the 2-yr note took place as longer tenors slipped to fresh lows.

Commodity

Gold prices firmed on Wednesday as investors sought safe-haven assets after somber U.S. economic data exacerbated fears of a economic downturn amid increasing lockdowns and other restrictions globally to combat the coronavirus pandemic.
U.S. grain and soybean futures fell in tandem with a sinking stock market on Wednesday, with wheat down more than 3% in its largest slide in more than a month after nearly two weeks of gains fueled by coronavirus grocery stockpiling. Soybeans fell more than 2%, the most in 2-1/2 weeks, and most corn contracts posted fresh life-of-contract lows as worries over burdensome supplies weighed on prices.

Crypto

Following Bitcoin’s bout of consolidation within the mid-$6,000 region, the benchmark cryptocurrency has seen a slight decline that has led it down towards the support that has been established around $6,000.

YTD

  • FAAMG + some penny stocks -18.0% YTD
  • Spoos -23.5% YTD
  • Old man -26.6% YTD
  • Russy -35.8% YTD
Summary scraped from the interweb. Took 1.20 seconds.
submitted by hibernating_brain to thewallstreet [link] [comments]

Max $4597, $971 guaranteed!- Donut, Long Game, Zynn, First Trade, Moomoo, Dough, Public,TradeUP, Robinhood,Acorns,M1 Finance, SoFi Money/Invest/Loans,One, Stash, Aspiration, Chime,Qapital, SkyOne,Premier Members FCU, Juno,Santander,Voyager,Webull,Orchid,Gemini,Constant,Chase Freedom,Discover IT,Root

Max $4597, $971 guaranteed!- Donut, Long Game, Zynn, First Trade, Moomoo, Dough, Public,TradeUP, Robinhood,Acorns,M1 Finance, SoFi Money/Invest/Loans,One, Stash, Aspiration, Chime,Qapital, SkyOne,Premier Members FCU, Juno,Santander,Voyager,Webull,Orchid,Gemini,Constant,Chase Freedom,Discover IT,Root
Hello everyone! There are a lot of awesome referral opportunities out there, these are my personal favorites! All these offers (besides Gemini and Zynn) are US only.

Stocks

Banks

Cryptocurrency

Credit Cards

Other

--Details on each offer below--

Stocks-

Webull

Webull is a commission free stock trading app which is giving out 2 free stocks (1 worth $2.50-$250, and another worth $12-$1400) for opening an account and making a $100 deposit.
It is available on iOS, Android, and PC!
https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is a stock trading app which gives you a free stock (valued up to $50) when your account is approved. No initial deposit is required! They offers commission free stock ETF's and mutual fund trading via iOS or Android!
http://share.public.com/rayruiu

FirstTrade

FirstTrade is a stock trading app which gives you a free stock (valued up to $200) when your account is approved. No initial deposit is required! They offers commission free stock ETF's and mutual fund trading via the web or iOS/Android!
https://share.firstrade.com/RAYMONDU2RF

Dough

Dough is a stock trading app which gives you a free stock (valued $2- $200) when your account is approved. No initial deposit is required! They offers commission free stock ETF's and mutual fund trading via iOS or Android!
https://dough.com/referrals?referral=68AWH8RN44&referredby=Raymond

TradeUp

TradeUP is a stock trading app which gives you a free stock (valued $2.50-250) for opening an account. No initial deposit is required! They also offers commission free stock ETF and mutual fund trading via the web or iOS/Android!
Additionally, they will give you a second stock (valued at $8-$1000) for making a $100 deposit.
https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=3PPVKT

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when your account is approved. No initial deposit is required! Like FirstTrade, they offers commission free stock ETF's and mutual fund trading via the web or iOS/Android!
https://invite.robinhood.com/amadeor3

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until May 15th, 2020. You can then withdraw the money and close the account, fee free!
https://www.acorns.com/invite/TLBCPD

Moomoo

Moomoo is a stock trading app which gives you a free stock (valued $10-$1000) for opening an account and making a $500 deposit. They also offers commission free stock ETF's and mutual fund trading via the web or iOS/Android!
https://j.moomoo.com/000LR3

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. It includes zero commission trading, and has a popular subreddit community behind it! If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $10 bonus posted to the account within 14 days.
https://m1.finance/J6aLCt6SRGdW

SoFi Invest

SoFi gives $75 for anyone who signs up for a SoFi Invest account and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details below), so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $100 cash bonuses with SoFi Invest!
https://www.sofi.com/share/invest/2498539

Banks-

One Finance

One Finance gives out $20 for anyone who signs up for a One Finance (bank) account via my referral link and deposits at least $20 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $20, and then the bonus will post to your account instantly.
They will also pay you an extra $5 if you download their iOS app. Android users are only eligible for the regular $20 bonus.
https://share.onefinance.com/invite/MilaZ/efa5e3bf

Stash

Stash gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
https://get.stashinvest.com/amadeowpr10

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250
So all you have to do is open a “Spend & Save” account using a referral link, spend $250 using their debit card, and then you will get $50 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want! I would be grateful if you used my referral link-
https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W

Chime

Chime is a banking app which pays you a $50 bonus for making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, but you can actually meet this requirement simply by transferring in $200 from CASH APP! So you could deposit 200 into cash app, then withdraw that 200 into chime and get the $50 bonus!
If you don't have cash app, you can also transfer in $200 from the following banks to fulfill the same requirements-
Ally, Charles Schwab, Chase, Circle Pay App, Discover, Hancock Whitney, Huntington, PNC, Serve, TD Bank, USAA, US Bank, Wells Fargo.
https://chime.com/raymondruiu/

Qapital

Qapital is a banking app (for iOS/Android) which pays you a $20 bonus for making a $20 deposit from any source. You need to set up a savings goal and a rule to automatically transfer funds to your Qapital savings account (One easy option would be to set up a $5 weekly transfer, so you can quickly qualify for the bonus). They have a monthly membership payment fee(Qapital Basic is $3/month; Qapital Complete is $6/month; and Qapital Master is $12/month.) which is waived for the first month. I would recommend you go for the Qapital Basic plan, as it has the lowest fee at $3.
If you keep your account open for 45 days, maintain a $20 account balance, and make 1 membership payment, they will credit you with a $20 account bonus. You can then immediately close the account and take your deposit + the bonus out with no additional charges. Even after the fee, that's $17 in free money.
https://get.qapital.com/SGjU8VhoM4

SkyOne

SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow these steps. People are normally legally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click 'None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits" on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Premier Members Credit Union

Premier Members Credit Union is another credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, with no fees or penalties!
They will prompt you to indicate if you were referred by someone early in the application, enter my referral code at that step- VFVJEVQQQ.
https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

SoFi Money

SoFi give out $75 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits 2 $500 direct deposits. So all you have to do is open an account with a referral link, deposit $500 2 times, and then instantly collect the bonus and then take it all back.
Direct deposits currently requires payroll contributions.
And you can cancel the account at any time with no fees or consequences-
https://www.sofi.com/invite/money?gcp=50ba4483-e582-4e5d-9733-d720b781161a

Juno

Juno is giving users a free $25 for anyone who signs up for for a checking account using a referral link and make a $1000 deposit once the product officially launches. So all you have to do is open an account with a referral link, wait for the product to officially launch, make a $1000 deposit, and then get your $25 bonus! You can then instantly collect the bonus and then take it all back.
And you can cancel the account at any time with no fees or consequences-
https://bankonjuno.com/referral/AMADjJsl

Santander

Santander is a bank which will pay you a $50 digital Visa Prepaid Card for opening a Simply Right® Checking, Santander Premier Plus Checking, Santander Basic Checking, or Student Value Checking account via a referral link and making a $250 direct deposit within 60 days.
A "direct deposit" technically means that they want you to deposit the money right from payroll, but you can actually meet this requirement simply by transferring in money from Venmo! Additionally, you can meet the requirements simply by transferring in from the following accounts-
Chase, Charles Schwabb, Fidelity, Wells Fargo.
https://santander.extole.io/s/rayruiu1959
Keep in mind that this offer is available for people in NH, MA, RI, CT, DE, NY, NJ & PA only

Cryptocurrency-

Donut

Donut is a cryptocurrency investing app (iOS only) which will give you $10 for signing up using a referral link and depositing $10. The deposit is automatically invested in bitcoin. You can sell the bitcoin immediately to avoid any risk. They pay out almost instantly (it took me 5 minutes to get my bonus), and you can withdraw instantly, making this a very quick and easy money maker.
They charge a small CC fee when depositing the $10, but its roughly 50 cents, so you can expect a profit of roughly $9.50 for only a few minutes of your time.
So all you have to do is download the app using a referral link, enter my referral ID (@annprod) when promoted, deposit $10, and you should get your $10 bonus within minutes. You can then sell your bitcoin, withdraw your money + the bonus, and close the account fee free if you wish.
https://donut.app.link/annprod/i/CVx0dbRMR

Voyager

Voyager is a crypocurrency trading app which will pay you $25 in free bitcoin for trading $100 on the platform! Make sure to use the referral code "AMA60T" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform! The bonus posts within a couple of days, from my experience.
https://www.coinbase.com/join/ruiu_8
They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Gemini

Gemini is a cryptocurrency trading app/exchange which will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency on the platform.
https://gemini.com/share/rllzke26
Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two.

Constant

Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10.
So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required.
https://www.myconstant.com?r=annoyedproduct

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry, relatively easy to pull off and with a very high bonus!
So all you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
So all you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time with no fees or penalties.
https://refer.discover.com/s/hhti4m

Other-

Root

Root is an auto insurance app that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away.
https://rootbonus.com/AmadeoRuiu

SoFi Loans

SoFi is offering a $100 bonus for people who opens a new personal loan or refinance an existing student loan.
I would definitely recommend you research the pros and cons of student loan refinancing before you consider this option, I have personally considered doing it in the past and the basic rundown is that you can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will be based on your individual circumstances.
There's also the option of taking out a SoFi loan, if you were looking into taking out a loan soon anyway, might be worth considering.
www.sofi.com/share/2498539?src=copy

Long Game

Long Game is a banking app (iOS/Android) which pays you a $15 bonus for making a $5 deposit from your bank account. They have a monthly fee ($3/month) which is waived for the first month.
So all you have to do is sign up using my referral link, set up a $5 deposit from your bank account, and then withdraw the $5 + $15 bonus as soon as it posts (takes a couple days) to avoid any fees.
$15 appears to be a limited-time offer, its normally only $5.

Zynn

Zynn (iOS/Android): is Tik Tok competitor which pays users roughly 1 penny per 10 second video they watch. They also gift $1-20 for new users who sign up via a referral link, enter their referral code in the app, and watch 1-2 minutes worth of videos.
So all you have to do is download the app using my referral code, enter my referral code (VSE7E55) in the "rewards" section (under "Enter referral code of your friend"), and then watch a couple minutes worth of videos! You can then withdraw your bonus money via PayPal (minmum withdrawal of $1, so you are guaranteed to be able to withdraw your cash if you want!)
Unlike most other offers mentioned, this is available for US and Canada residents.
https://preview.redd.it/orie7cgdew051.jpg?width=760&format=pjpg&auto=webp&s=d99ae04285546cc69a8a5e1391a30cff82a95b1f
submitted by DarleneRamosi to referralcodes [link] [comments]

Max $4597, $971 guaranteed!- Donut, Long Game, Zynn, First Trade, Moomoo, Dough, Public,TradeUP, Robinhood,Acorns,M1 Finance, SoFi Money/Invest/Loans,One, Stash, Aspiration, Chime,Qapital, SkyOne,Premier Members FCU, Juno,Santander,Voyager,Webull,Orchid,Gemini,Constant,Chase Freedom,Discover IT,Root

Max $4597, $971 guaranteed!- Donut, Long Game, Zynn, First Trade, Moomoo, Dough, Public,TradeUP, Robinhood,Acorns,M1 Finance, SoFi Money/Invest/Loans,One, Stash, Aspiration, Chime,Qapital, SkyOne,Premier Members FCU, Juno,Santander,Voyager,Webull,Orchid,Gemini,Constant,Chase Freedom,Discover IT,Root
Hello everyone! There are a lot of awesome referral opportunities out there, these are my personal favorites! All these offers (besides Gemini and Zynn) are US only.

Stocks

Banks

Cryptocurrency

Credit Cards

Other

--Details on each offer below--

Stocks-

Webull

Webull is a commission free stock trading app which is giving out 2 free stocks (1 worth $2.50-$250, and another worth $12-$1400) for opening an account and making a $100 deposit.
It is available on iOS, Android, and PC!
https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is a stock trading app which gives you a free stock (valued up to $50) when your account is approved. No initial deposit is required! They offers commission free stock ETF's and mutual fund trading via iOS or Android!
http://share.public.com/rayruiu

FirstTrade

FirstTrade is a stock trading app which gives you a free stock (valued up to $200) when your account is approved. No initial deposit is required! They offers commission free stock ETF's and mutual fund trading via the web or iOS/Android!
https://share.firstrade.com/RAYMONDU2RF

Dough

Dough is a stock trading app which gives you a free stock (valued $2- $200) when your account is approved. No initial deposit is required! They offers commission free stock ETF's and mutual fund trading via iOS or Android!
https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila

TradeUp

TradeUP is a stock trading app which gives you a free stock (valued $2.50-250) for opening an account. No initial deposit is required! They also offers commission free stock ETF and mutual fund trading via the web or iOS/Android!
Additionally, they will give you a second stock (valued at $8-$1000) for making a $100 deposit.
https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when your account is approved. No initial deposit is required! Like FirstTrade, they offers commission free stock ETF's and mutual fund trading via the web or iOS/Android!
https://invite.robinhood.com/amadeor3

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until May 15th, 2020. You can then withdraw the money and close the account, fee free!
https://www.acorns.com/invite/TLBCPD

Moomoo

Moomoo is a stock trading app which gives you a free stock (valued $10-$1000) for opening an account and making a $500 deposit. They also offers commission free stock ETF's and mutual fund trading via the web or iOS/Android!
https://j.moomoo.com/000LR3

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. It includes zero commission trading, and has a popular subreddit community behind it! If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $10 bonus posted to the account within 14 days.
https://m1.finance/J6aLCt6SRGdW

SoFi Invest

SoFi gives $75 for anyone who signs up for a SoFi Invest account and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details below), so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $100 cash bonuses with SoFi Invest!
https://www.sofi.com/share/invest/2498539

Banks-

One Finance

One Finance gives out $20 for anyone who signs up for a One Finance (bank) account via my referral link and deposits at least $20 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $20, and then the bonus will post to your account instantly.
They will also pay you an extra $5 if you download their iOS app. Android users are only eligible for the regular $20 bonus.
https://share.onefinance.com/invite/MilaZ/efa5e3bf

Stash

Stash gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
https://get.stashinvest.com/amadeowpr10

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250
So all you have to do is open a “Spend & Save” account using a referral link, spend $250 using their debit card, and then you will get $50 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want! I would be grateful if you used my referral link-
https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W

Chime

Chime is a banking app which pays you a $50 bonus for making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, but you can actually meet this requirement simply by transferring in $200 from CASH APP! So you could deposit 200 into cash app, then withdraw that 200 into chime and get the $50 bonus!
If you don't have cash app, you can also transfer in $200 from the following banks to fulfill the same requirements-
Ally, Charles Schwab, Chase, Circle Pay App, Discover, Hancock Whitney, Huntington, PNC, Serve, TD Bank, USAA, US Bank, Wells Fargo.
https://chime.com/raymondruiu/

Qapital

Qapital is a banking app (for iOS/Android) which pays you a $20 bonus for making a $20 deposit from any source. You need to set up a savings goal and a rule to automatically transfer funds to your Qapital savings account (One easy option would be to set up a $5 weekly transfer, so you can quickly qualify for the bonus). They have a monthly membership payment fee(Qapital Basic is $3/month; Qapital Complete is $6/month; and Qapital Master is $12/month.) which is waived for the first month. I would recommend you go for the Qapital Basic plan, as it has the lowest fee at $3.
If you keep your account open for 45 days, maintain a $20 account balance, and make 1 membership payment, they will credit you with a $20 account bonus. You can then immediately close the account and take your deposit + the bonus out with no additional charges. Even after the fee, that's $17 in free money.
https://get.qapital.com/SGjU8VhoM4

SkyOne

SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow these steps. People are normally legally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click 'None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits" on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Premier Members Credit Union

Premier Members Credit Union is another credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, with no fees or penalties!
They will prompt you to indicate if you were referred by someone early in the application, enter my referral code at that step- VFVJEVQQQ.
https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

SoFi Money

SoFi give out $75 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits 2 $500 direct deposits. So all you have to do is open an account with a referral link, deposit $500 2 times, and then instantly collect the bonus and then take it all back.
Direct deposits currently requires payroll contributions.
And you can cancel the account at any time with no fees or consequences-
https://www.sofi.com/invite/money?gcp=50ba4483-e582-4e5d-9733-d720b781161a

Juno

Juno is giving users a free $25 for anyone who signs up for for a checking account using a referral link and make a $1000 deposit once the product officially launches. So all you have to do is open an account with a referral link, wait for the product to officially launch, make a $1000 deposit, and then get your $25 bonus! You can then instantly collect the bonus and then take it all back.
And you can cancel the account at any time with no fees or consequences-
https://bankonjuno.com/referral/AMADjJsl

Santander

Santander is a bank which will pay you a $50 digital Visa Prepaid Card for opening a Simply Right® Checking, Santander Premier Plus Checking, Santander Basic Checking, or Student Value Checking account via a referral link and making a $250 direct deposit within 60 days.
A "direct deposit" technically means that they want you to deposit the money right from payroll, but you can actually meet this requirement simply by transferring in money from Venmo! Additionally, you can meet the requirements simply by transferring in from the following accounts-
Chase, Charles Schwabb, Fidelity, Wells Fargo.
https://santander.extole.io/s/rayruiu1959
Keep in mind that this offer is available for people in NH, MA, RI, CT, DE, NY, NJ & PA only

Cryptocurrency-

Donut

Donut is a cryptocurrency investing app (iOS only) which will give you $10 for signing up using a referral link and depositing $10. The deposit is automatically invested in bitcoin. You can sell the bitcoin immediately to avoid any risk. They pay out almost instantly (it took me 5 minutes to get my bonus), and you can withdraw instantly, making this a very quick and easy money maker.
They charge a small CC fee when depositing the $10, but its roughly 50 cents, so you can expect a profit of roughly $9.50 for only a few minutes of your time.
So all you have to do is download the app using a referral link, enter my referral ID (@annprod) when promoted, deposit $10, and you should get your $10 bonus within minutes. You can then sell your bitcoin, withdraw your money + the bonus, and close the account fee free if you wish.
https://donut.app.link/annprod/i/CVx0dbRMR

Voyager

Voyager is a crypocurrency trading app which will pay you $25 in free bitcoin for trading $100 on the platform! Make sure to use the referral code "AMA60T" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform! The bonus posts within a couple of days, from my experience.
https://www.coinbase.com/join/ruiu_8
They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Gemini

Gemini is a cryptocurrency trading app/exchange which will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency on the platform.
https://gemini.com/share/rllzke26
Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two.

Constant

Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10.
So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required.
https://www.myconstant.com?r=annoyedproduct

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry, relatively easy to pull off and with a very high bonus!
So all you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
So all you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time with no fees or penalties.
https://refer.discover.com/s/hhti4m

Other-

Root

Root is an auto insurance app that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away.
https://rootbonus.com/AmadeoRuiu

SoFi Loans

SoFi is offering a $100 bonus for people who opens a new personal loan or refinance an existing student loan.
I would definitely recommend you research the pros and cons of student loan refinancing before you consider this option, I have personally considered doing it in the past and the basic rundown is that you can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will be based on your individual circumstances.
There's also the option of taking out a SoFi loan, if you were looking into taking out a loan soon anyway, might be worth considering.
www.sofi.com/share/2498539?src=copy

Long Game

Long Game is a banking app (iOS/Android) which pays you a $15 bonus for making a $5 deposit from your bank account. They have a monthly fee ($3/month) which is waived for the first month.
So all you have to do is sign up using my referral link, set up a $5 deposit from your bank account, and then withdraw the $5 + $15 bonus as soon as it posts (takes a couple days) to avoid any fees.
$15 appears to be a limited-time offer, its normally only $5.

Zynn

Zynn (iOS/Android): is Tik Tok competitor which pays users roughly 1 penny per 10 second video they watch. They also gift $1-20 for new users who sign up via a referral link, enter their referral code in the app, and watch 1-2 minutes worth of videos.
So all you have to do is download the app using my referral code, enter my referral code (VSE7E55) in the "rewards" section (under "Enter referral code of your friend"), and then watch a couple minutes worth of videos! You can then withdraw your bonus money via PayPal (minmum withdrawal of $1, so you are guaranteed to be able to withdraw your cash if you want!)
Unlike most other offers mentioned, this is available for US and Canada residents.
https://preview.redd.it/d3d5quumek151.jpg?width=760&format=pjpg&auto=webp&s=7acdcf2e4483abe072b5bfae330deefd0b74bbc5
submitted by DarleneRamosi to referralcodes [link] [comments]

Max $4597, $971 guaranteed!- Donut, Long Game, Zynn, First Trade, Moomoo, Dough, Public,TradeUP, Robinhood,Acorns,M1 Finance, SoFi Money/Invest/Loans,One, Stash, Aspiration, Chime,Qapital, SkyOne,Premier Members FCU, Juno,Santander,Voyager,Webull,Orchid,Gemini,Constant,Chase Freedom,Discover IT,Root

Max $4597, $971 guaranteed!- Donut, Long Game, Zynn, First Trade, Moomoo, Dough, Public,TradeUP, Robinhood,Acorns,M1 Finance, SoFi Money/Invest/Loans,One, Stash, Aspiration, Chime,Qapital, SkyOne,Premier Members FCU, Juno,Santander,Voyager,Webull,Orchid,Gemini,Constant,Chase Freedom,Discover IT,Root
Hello everyone! There are a lot of awesome referral opportunities out there, these are my personal favorites! All these offers (besides Gemini and Zynn) are US only.

Stocks

Banks

Cryptocurrency

Credit Cards

Other

--Details on each offer below--

Stocks-

Webull

Webull is a commission free stock trading app which is giving out 2 free stocks (1 worth $2.50-$250, and another worth $12-$1400) for opening an account and making a $100 deposit.
It is available on iOS, Android, and PC!
https://act.webull.com/kol-us/share.html?hl=en&inviteCode=PUnH4ruayL3j

Public

Public is a stock trading app which gives you a free stock (valued up to $50) when your account is approved. No initial deposit is required! They offers commission free stock ETF's and mutual fund trading via iOS or Android!
http://share.public.com/rayruiu

FirstTrade

FirstTrade is a stock trading app which gives you a free stock (valued up to $200) when your account is approved. No initial deposit is required! They offers commission free stock ETF's and mutual fund trading via the web or iOS/Android!
https://share.firstrade.com/RAYMONDU2RF

Dough

Dough is a stock trading app which gives you a free stock (valued $2- $200) when your account is approved. No initial deposit is required! They offers commission free stock ETF's and mutual fund trading via iOS or Android!
https://dough.com/referrals?referral=XPSSX6DFNF&referredby=Mila

TradeUp

TradeUP is a stock trading app which gives you a free stock (valued $2.50-250) for opening an account. No initial deposit is required! They also offers commission free stock ETF and mutual fund trading via the web or iOS/Android!
Additionally, they will give you a second stock (valued at $8-$1000) for making a $100 deposit.
https://tradeup.marsco.com/activity/market/us-open-price/#/share?invite=6NDX1U

Robinhood

Robinhood is a stock trading platform/app which gives you a free stock (valued $2.50 - $200) when your account is approved. No initial deposit is required! Like FirstTrade, they offers commission free stock ETF's and mutual fund trading via the web or iOS/Android!
https://invite.robinhood.com/amadeor3

Acorns

Acorns is an online investing app (iOS or Android) which is offering a free $5 bonus for simply opening an account via a referral link, depositing $5, and keeping the money in the account until May 15th, 2020. You can then withdraw the money and close the account, fee free!
https://www.acorns.com/invite/TLBCPD

Moomoo

Moomoo is a stock trading app which gives you a free stock (valued $10-$1000) for opening an account and making a $500 deposit. They also offers commission free stock ETF's and mutual fund trading via the web or iOS/Android!
https://j.moomoo.com/000LR3

M1 Finance

M1 Finance is an investing account, like Robinhood or Webull. It includes zero commission trading, and has a popular subreddit community behind it! If you open an account using a referral link, deposit $100 to a brokerage account, and keep that initial deposit in your account for 30 days, you will get a free $10 bonus posted to the account within 14 days.
https://m1.finance/J6aLCt6SRGdW

SoFi Invest

SoFi gives $75 for anyone who signs up for a SoFi Invest account and deposits $1000. This offer stacks with the SoFi Money $25 offer (see details below), so you can do both!
Plus, you can get another $25 cash bonus when you buy $10 or more of crypto like Bitcoin, Litecoin or Ethereum. That's a total of $100 cash bonuses with SoFi Invest!
https://www.sofi.com/share/invest/2498539

Banks-

One Finance

One Finance gives out $20 for anyone who signs up for a One Finance (bank) account via my referral link and deposits at least $20 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $20, and then the bonus will post to your account instantly.
They will also pay you an extra $5 if you download their iOS app. Android users are only eligible for the regular $20 bonus.
https://share.onefinance.com/invite/MilaZ/efa5e3bf

Stash

Stash gives out $20 for anyone who signs up for the Stash (bank) or Stash Invest account via my referral link and deposits at least $5 from any source (payroll, another bank account, PayPal, etc.) So all you have to do is open an account with a referral link, deposit $5, and then the bonus will post to your account!
The app will ask you to open a paid account, but you can simply open a "beginner" account for $1 a month, and then close your account after 1 month after you get your $20 bonus.
https://get.stashinvest.com/amadeowpr10

Aspiration

Aspiration is an online bank which is offering a free $50 bonus for simply opening an account via a referral link and spending $250
So all you have to do is open a “Spend & Save” account using a referral link, spend $250 using their debit card, and then you will get $50 posted to your account! There are no fees to worry about! You can close the account fee free whenever you want! I would be grateful if you used my referral link-
https://my.aspiration.com/app/token/referral/232Y47KAE4OG8Y8W

Chime

Chime is a banking app which pays you a $50 bonus for making a $200 direct deposit. There are no catches, and you can close the account at any time fee free as soon as you register their debit card (gotta wait a few days to get it in the mail).
A "direct deposit" technically means that they want you to deposit the money right from payroll, but you can actually meet this requirement simply by transferring in $200 from CASH APP! So you could deposit 200 into cash app, then withdraw that 200 into chime and get the $50 bonus!
If you don't have cash app, you can also transfer in $200 from the following banks to fulfill the same requirements-
Ally, Charles Schwab, Chase, Circle Pay App, Discover, Hancock Whitney, Huntington, PNC, Serve, TD Bank, USAA, US Bank, Wells Fargo.
https://chime.com/raymondruiu/

Qapital

Qapital is a banking app (for iOS/Android) which pays you a $20 bonus for making a $20 deposit from any source. You need to set up a savings goal and a rule to automatically transfer funds to your Qapital savings account (One easy option would be to set up a $5 weekly transfer, so you can quickly qualify for the bonus). They have a monthly membership payment fee(Qapital Basic is $3/month; Qapital Complete is $6/month; and Qapital Master is $12/month.) which is waived for the first month. I would recommend you go for the Qapital Basic plan, as it has the lowest fee at $3.
If you keep your account open for 45 days, maintain a $20 account balance, and make 1 membership payment, they will credit you with a $20 account bonus. You can then immediately close the account and take your deposit + the bonus out with no additional charges. Even after the fee, that's $17 in free money.
https://get.qapital.com/SGjU8VhoM4

SkyOne

SkyOne is a credit union which will pay you a $25 bonus for opening a checking account with a referral link, making a $5 opening deposit, and keeping your account open for at least 30 days.
This credit union services the SoCal area, but anyone nationwide can sign up if you follow these steps. People are normally legally required to make a donation to a local charity to qualify for a local credit union bank account when they don't live in the area, but SkyOne will actually pay for a donation to the "Surfrider Foundation" themselves because they want everyone on the US to be eligible! In other words, you don't have to spend a dime! Simply click 'None of the above? We've got you! SkyOne will make a one-time donation to one of the following non-profits" on the eligibility page when signing up.
https://refer.skyone.org/amadeoruiu3

Premier Members Credit Union

Premier Members Credit Union is another credit union which will pay you a $50 bonus for opening a money market account with a referral link, and making a $5 opening deposit. They will also require you to open a savings account alongside the money market account, which also requires a $5 opening deposit.
They are located in Boulder Colorado, but will allow anyone to create an account with them as long as you make a $5 donation to one of their local charities (they walk you through it during account signup). That's a total profit of $45!
And you can close the account at any time, with no fees or penalties!
They will prompt you to indicate if you were referred by someone early in the application, enter my referral code at that step- VFVJEVQQQ.
https://www.pmcu.org/referred-by-a-friend/VFVJEVQQQ/

SoFi Money

SoFi give out $75 for anyone who signs up for a SoFi Money (bank) account using a referral code and deposits 2 $500 direct deposits. So all you have to do is open an account with a referral link, deposit $500 2 times, and then instantly collect the bonus and then take it all back.
Direct deposits currently requires payroll contributions.
And you can cancel the account at any time with no fees or consequences-
https://www.sofi.com/invite/money?gcp=50ba4483-e582-4e5d-9733-d720b781161a

Juno

Juno is giving users a free $25 for anyone who signs up for for a checking account using a referral link and make a $1000 deposit once the product officially launches. So all you have to do is open an account with a referral link, wait for the product to officially launch, make a $1000 deposit, and then get your $25 bonus! You can then instantly collect the bonus and then take it all back.
And you can cancel the account at any time with no fees or consequences-
https://bankonjuno.com/referral/AMADjJsl

Santander

Santander is a bank which will pay you a $50 digital Visa Prepaid Card for opening a Simply Right® Checking, Santander Premier Plus Checking, Santander Basic Checking, or Student Value Checking account via a referral link and making a $250 direct deposit within 60 days.
A "direct deposit" technically means that they want you to deposit the money right from payroll, but you can actually meet this requirement simply by transferring in money from Venmo! Additionally, you can meet the requirements simply by transferring in from the following accounts-
Chase, Charles Schwabb, Fidelity, Wells Fargo.
https://santander.extole.io/s/rayruiu1959
Keep in mind that this offer is available for people in NH, MA, RI, CT, DE, NY, NJ & PA only

Cryptocurrency-

Donut

Donut is a cryptocurrency investing app (iOS only) which will give you $10 for signing up using a referral link and depositing $10. The deposit is automatically invested in bitcoin. You can sell the bitcoin immediately to avoid any risk. They pay out almost instantly (it took me 5 minutes to get my bonus), and you can withdraw instantly, making this a very quick and easy money maker.
They charge a small CC fee when depositing the $10, but its roughly 50 cents, so you can expect a profit of roughly $9.50 for only a few minutes of your time.
So all you have to do is download the app using a referral link, enter my referral ID (@annprod) when promoted, deposit $10, and you should get your $10 bonus within minutes. You can then sell your bitcoin, withdraw your money + the bonus, and close the account fee free if you wish.
https://donut.app.link/annprod/i/CVx0dbRMR

Voyager

Voyager is a crypocurrency trading app which will pay you $25 in free bitcoin for trading $100 on the platform! Make sure to use the referral code "AMA60T" in the “Reward Code” field when you create your account. The bonus posts within a couple of days, from my experience.
iOS- https://apps.apple.com/us/app/voyager-buy-bitcoin-crypto/id1396178579
Android- https://play.google.com/store/apps/details?id=com.investvoyager

Coinbase

Coinbase is a cryptocurrency trading platform which will pay you $10 in free bitcoin for trading $100 on the platform! The bonus posts within a couple of days, from my experience.
https://www.coinbase.com/join/ruiu_8
They will also give you $12 worth of the "Orchid" cryptocurrency (which can be immediately re-sold for cash) if you watch 3 short videos and answer 3 easy questions.
https://coinbase.com/earn/oxt/invite/t0wvs4k2

Gemini

Gemini is a cryptocurrency trading app/exchange which will give you $10 worth of bitcoin for signing up using a referral link and buying/selling $100 worth of cryptocurrency on the platform.
https://gemini.com/share/rllzke26
Unlike the other offers listed here, this one can be used anywhere in the US (except NY), as well as Puerto Rico, Australia, Canada, Hong Kong, Singapore, South Korea, and the United Kingdom. This bonus posts VERY quickly, within a day or two.

Constant

Constant is a cryptocurrency P2P investing platform which will give you $10 for signing up using a referral link, verifying your ID (pass KYC), and depositing $10.
So all you have to do is open an account using a referral link, verify your ID, deposit $10 via any means, and then you will get a $10 bonus that posts instantly and you can withdraw to your bank immediately. No deposit required.
https://www.myconstant.com?r=annoyedproduct

Credit Cards-

Chase Freedom

Chase will pay you $200 for signing up for a Chase Freedom Unlimited credit card with a referral link and spending $500 it within the first 3 months. This is one of the best credit card bonuses in the industry, relatively easy to pull off and with a very high bonus!
So all you have to do is sign up for a Chase Freedom Unlimited credit card using my referral link, spend $500 within the first 3 months, and then get your $200! You can cancel the card at any time with no fees or penalties.
https://www.referyourchasecard.com/18/ONLMEFPEFJ

Discover IT

Discover will pay you $50 for signing up for a Discover IT credit card with a referral link and making ANY purchase using it within the first 3 months. This is one of the easiest credit card bonuses in the industry!
So all you have to do is sign up for a Discover IT credit card using my referral link, make ANY purchase using it within the first 3 months, and then get your $50! You can cancel the card at any time with no fees or penalties.
https://refer.discover.com/s/hhti4m

Other-

Root

Root is an auto insurance app that will pay you $25 to download their app, let it track your driving for 3-4 weeks, and then offer you an auto insurance policy based on your driving data. You can easily ignore their policy offer, take the bonus, and walk away.
https://rootbonus.com/AmadeoRuiu

SoFi Loans

SoFi is offering a $100 bonus for people who opens a new personal loan or refinance an existing student loan.
I would definitely recommend you research the pros and cons of student loan refinancing before you consider this option, I have personally considered doing it in the past and the basic rundown is that you can lower your interest rate, but lose some benefits from the federal government. Whether this is worth it to you will be based on your individual circumstances.
There's also the option of taking out a SoFi loan, if you were looking into taking out a loan soon anyway, might be worth considering.
www.sofi.com/share/2498539?src=copy

Long Game

Long Game is a banking app (iOS/Android) which pays you a $15 bonus for making a $5 deposit from your bank account. They have a monthly fee ($3/month) which is waived for the first month.
So all you have to do is sign up using my referral link, set up a $5 deposit from your bank account, and then withdraw the $5 + $15 bonus as soon as it posts (takes a couple days) to avoid any fees.
$15 appears to be a limited-time offer, its normally only $5.

Zynn

Zynn (iOS/Android): is Tik Tok competitor which pays users roughly 1 penny per 10 second video they watch. They also gift $1-20 for new users who sign up via a referral link, enter their referral code in the app, and watch 1-2 minutes worth of videos.
So all you have to do is download the app using my referral code, enter my referral code (VSE7E55) in the "rewards" section (under "Enter referral code of your friend"), and then watch a couple minutes worth of videos! You can then withdraw your bonus money via PayPal (minmum withdrawal of $1, so you are guaranteed to be able to withdraw your cash if you want!)
Unlike most other offers mentioned, this is available for US and Canada residents.
https://preview.redd.it/02kc72tjgq251.jpg?width=760&format=pjpg&auto=webp&s=e6718ec3a689fea6ef8d53d4e4bb1129122ae4a0
submitted by DarleneRamosi to referralcodes [link] [comments]

TOP 10 PENNY STOCKS IN 2020 BEST PENNY STOCKS BELOW Rs5 BEST PENNY STOCK IN 2020ANALYSIS & REVIEW INSANE!! BITCOIN CHART MIGHT GET REKT?!! Crypto Analysis TA Today & BTC Cryptocurrency Price News Best 5 Debt Free Penny Stocks  Top Low Price Share Multibagger Penny Stocks  #Topdebtfreestocks Penny StocksBest Penny Stocks Related VideoPenny Share NewsPenny Stocks 2020#ALOKIndustries Trident Ltd - Penny stock# Sector Leader long term रखो लाखो मे खेलोगे

However, there’s no stopping blockchain, the technology behind bitcoin. This technology has the potential to transform the world we live in, and the best blockchain penny stocks are hoping to capture a chunk of that market share. Here are some of the bitcoin penny stocks: 1. Riot Blockchain Inc. (NASDAQ: RIOT) 2. To maximize gains, a combination of a conventional buying-and-selling approach, coupled with building periodic short positions, would be an optimal investment strategy for trading in blockchain penny stocks. We can expect to see more volatility ahead as momentum builds up for Bitcoin, and by extension, for these related stocks. In light of Bitcoin’s stellar roughly two-week climb, in which it has surged roughly 60%, it is likely that other penny stocks will re-incorporate “Bitcoin” into press releases, noted Bloomberg. However, buying stocks instead of buying cryptocurrency directly saves you from a long procedure of buying crypto on an exchange. For direct purchases, you will need to manage a wallet, worry about security, documentation, and price fluctuations. If you prefer buying stocks, then check out our list of top 10 best bitcoin stocks to buy in 2020. Best Bitcoin Related Stocks. Check out the following potential bitcoin stocks to invest in: IBM Stock (IBM) The tech giant has more than 1,500 employees who are focused on the development of projects that are powered by Blockchain technology. In 2017 IBM launched the blockchain services which power CLSNet, an automated settlement and trade

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TOP 10 PENNY STOCKS IN 2020 BEST PENNY STOCKS BELOW Rs5 BEST PENNY STOCK IN 2020ANALYSIS & REVIEW

24/7 Live Bitcoin Algo Trading on Deribit Exchange (DeriBot) Bitcoin Trading Robots 225 watching Live now The Stock Market Is About To Drop - Again - Duration: 14:43. This Video is about PENNY STOCKS, sharing my real life example with these stocks, Also know the strategy to get safe returns from these stocks. Very useful v... In this video, I talk about how to trade penny stocks step by step. This video should help you learn how to trade penny stocks using catalysts and you should also be able to day trade penny stocks. 24/7 Live Bitcoin Algo Trading on Deribit Exchange (DeriBot) Bitcoin Trading Robots 203 watching Live now How to Make Money on YouTube Without Making Videos (Weird Niche) - Duration: 28:27. मात्र 1 रूपये का Stock 95% के Return क्यों भाग रहा है जानलो Best Penny Stock 2020 Penny Stock 2020 - Duration: 5:53. BAZAR KE ...

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